Homes & Gardens

How the Debt-to-income Ratio for a Mortgage Works

You might be wondering, "Can you get a mortgage with debt?" Banks use something called the Debt-to-Income Ratio to decide if you can borrow for a house. This blog will show you how to calculate debt to income ratios and what numbers lenders want to see.

Stick around, because getting your dream home may depend on it!

Key Takeaways

  • Banks use the Debt-to-Income (DTI) Ratio to decide if you can get a mortgage. It compares your debts to your income.
  • There are two types of DTI: Front-End focuses on housing costs, Back-End includes all debts. Lenders
  • ...

Liv Butler

Liv Butler

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Tips for boosting the kerb appeal of your home

Whether you’re selling your home and want to get the best possible price or whether you simply want to make sure that visitors receive a favourable impression of your property the moment they arrive, boosting the kerb appeal of your property need not cost the earth and can enhance the pleasure you feel each and every time you return home.

Create a grand opening

Your front door will always be the focal point of the front of your home, so it's best to make the most of it. It's not always necessary to replace a door that has seen better days - a professionally applied coat of...

Looking to sell in the New Year? Here are the steps to make it happen

Authored by News Desk
Posted: Tue, 11/28/2017 - 12:42pm

You know what they say, new year, new me. But what about new year, now home?

For many getting through the Christmas period signifies the time to look for a new home, which of course, in many cases, means selling too!

It’s a well known fact it’s harder to sell in the winter, there’s less on the market and in turn that means fewer people are looking. You can put yourself ahead of the competition though, by knowing what a buyer wants.

A recent study by Property Rescue has found exactly that. First impressions are essential when it comes to buying a home and the recent...

Lounge proves most popular spot for online shopping

As the Christmas shopping season approaches it seems that we are happiest making our online purchases while sat in the comfort of our lounge.

A survey by five star housebuilder David Wilson Homes, which is currently building new homes across Exeter, reveals that almost 60 per cent of us would rather do our shopping from the comfort of our lounge than anywhere else in the house.

The study about where people prefer to make their online purchases found that the home office was also a popular option among those questioned, followed by the bedroom and kitchen.

The One...

Don’t leaf it to the last minute – prepare your garden for winter

New homeowners in Exeter are being encouraged to give wildlife a helping hand through the harsh winter months by preparing their gardens for the cold weather.

Barratt Homes has teamed up with the RSPB to give its customers five top tips this season on how they can give nature a home ahead of the cold weather kicking in.

The tips and tricks on what to do as the seasons change are fun for all of the family and have been carefully selected by Barratt Homes to fit around a small budget and a time frame of less than two hours.

So if you want to do a little bit to help...

Private tenants urged to take part in Exeter survey

Authored by News Desk
Posted: Fri, 11/03/2017 - 4:36pm

People who rent private properties in Exeter are being encouraged to take part in a survey. Everyone who takes part will be entered into a draw to win a £50 High Street voucher.

In Exeter, 22% of people live in private rented homes, which is above the national average.

A number of local agencies receive high numbers of complaints about local letting agents and this has led to a survey being compiled to gain an insight into the true extent of the problem.

The survey has been put together by the City Council in partnership with Citizens Advice Exeter and Exeter...

The Benefits of Owning an Income Property

Real estate is considered one of the safest and best investments that a person can make, especially if you have a long-term investment, rather than a flip-and-sell mentality. Income properties offer you a consistent, monthly income, year after year. A portion of this income will go towards repaying any mortgage or loan used to finance the property. The remainder of the monthly revenue generated provides you with a regular, consistent income that can continue for years and even decades to come. There are so many benefits to owning an income property, and here are the top five:

1. It...

6 alternative ways to refurnish your home

Authored by News Desk
Posted: Tue, 10/31/2017 - 4:44pm

Do you want to give your home a new lease of life? Instead of spending your savings on transforming you home, there are many affordable ways you can create a beautiful interior style.

Check out these alternative ways to furnish your home.

1. Auctions

If you want to secure high-quality furnishings and gadgets for a fraction of their RRP, consider taking yourself along to one of the many auctions in the UK . Whether you’re looking for a brand-new kitchen, whitegoods, or a smart TV, it’s the perfect place to secure a bargain for your home.

2. Freecycling...

5 Ideas for Future Home Improvement

Authored by Sam Richards
Posted: Tue, 10/31/2017 - 11:02am

Whether you’re selling your home or just want to update your space, now is the perfect time to start planning home improvement projects for next year. You might want to reclaim a neglected room, sort that damp problem once and for all, or just make a few minor changes to freshen up your décor.

Regardless of your budget, there are ways you can improve the look and feel of your home without calling in professionals. So, if your New Year’s resolution is to upgrade your living space, take a look at these five ideas for home improvement.

Tackle That Spare Room

If you...

How to Create a Stylish Man Cave

Authored by Sam Richards
Posted: Mon, 10/23/2017 - 11:38am

Many men dream of a sleek, stylish and comfortable space to relax, watch sports or immerse themselves in a video game. Whether you want to transform a loft, spare bedroom or basement, read our top tips on how to create a stylish man cave.

Comfortable Seating

Every man cave will require comfortable seating to unwind, watch movies or hang out with friends. Not only will the seating determine your comfort levels, but it will also shape your man cave’s style, so you must choose wisely. For example, a corner sofa is ideal for putting your feet up to absorb yourself into your...

6 Interior Trends to Look Out for in 2018

Every year brings in new fashions and trends for us to encompass and bring into our lifestyles. Some are fleeting, but others can last a lifetime and be the inspiration you never knew you needed – especially when it comes to decorating your tired-looking home. Therefore, with a new year in sight, it’s be exciting to see which styles will influence our homes. Here are the six interior trends you need to look out for in 2018.

New Colour Palettes

Pantone forecasts the latest colour trends, and for spring 2018, they foreshadow an increased popularity in fun and dramatic...

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