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

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Exmouth now recycling 60% of their waste every week

Exmouth householders are now recycling almost 60% of their waste every week thanks to a new improved recycling service introduced by East Devon District Council in February.

Provisional findings show that recycling in the town has risen from 44% before the service was launched, to 59% in the first six weeks of the new scheme. Significantly, the amount of rubbish people are throwing away has dropped during the same period from 56% to 41%.

The council’s contractors SUEZ is now collecting, on average, around 90 tonnes of recycling from the town every week – an increase of more...

How to Furnish a Rental Property

The majority of properties in the private rental sector are offered to tenants unfurnished. Most tenants don’t want to take on someone else’s furniture as they have their own, but if you are managing a holiday let or targeting vulnerable tenants, you will need to supply basic items such as a bed, sofa, and other bits and pieces. Here are some tips to help you source the right furnishings without breaking the bank.

Wear and Tear

Rental properties are subject to more wear and tear than the average property. Tenants don’t always take care of your property as you might like, so...

Protect your home with these 5 effective solutions

The threat of your home being burgled can be enough to keep you awake at night or stop you from enjoying a vacation. It is an unfortunate expectation of the world that we live in these days and everybody must be vigilant to the threats of burglary. Whether you live in a quiet area or a busy area, the fact remains that you could be targeted and therefore should be making your home as difficult to break into as you possibly can.

Here are some security features that you could introduce to your home:

1 - Security cameras – Due to the advances in technology, you can now purchase...

Exeter teen's ‘perfect home’ wins nationwide competition

An Exeter teenager has won a nationwide competition looking for the UK’s ‘perfect home’.

Amelia-Jane Clyde beat other entrants to the winning spot after impressing judges with her creativity and attention to detail.

Leading UK housebuilder Redrow ran the nationwide competition to find the ‘perfect home’, with young people across the country submitting drawings of their dream property, including which features they would incorporate.

Sixteen-year-old Amelia-Jane’s dream home included a ballet studio, trampoline park, library, kitchen, cinema, bedroom, slide, bathroom...

How to furnish your first family home

Your first family home is an exciting, but slightly scary prospect, a sure indication that you have made a firm commitment.

You might think that once you have negotiated the minefield that is choosing your first home, whether you have chosen to buy or rent, then the hard work is done. Not true – the work is just beginning, as your next job is to furnish your new home from top to bottom.

Here are some pointers to help you create a home that can live up to the wonderful memories that you will soon be creating there.

Plan

You might think you are “not a lists...

Renaissance Villages launches local history exhibition alongside new collection of apartments

On Wednesday 15 March, award winning developer Renaissance Villages launched an exhibition on the history of the site of Millbrook Village, Exeter’s only retirement village.

The event also marked the official opening of Buller House, a new collection of 23 two-bedroom luxury apartments, the latest phase of homes to be released at this sought-after development.

The exhibition has been curated in partnership with a local historian and explores the rich heritage of the Millbrook Village site, from Roman occupation to the thriving retirement community that it is today. It is...

Young people in South West struggling to get on property ladder

A recent nationwide study has revealed figures that show that young people are struggling to find their place on the property ladder, perhaps due to their lack of understanding about the buying process and the schemes and support available to them as first-time buyers.

The study was commissioned by life insurance provider Beagle Street , and surveyed 2000 UK residents age 18-40 years old who have never owned a home. Of those surveyed, 80% said they hoped to be on the property ladder at some point, and only 3% said they never wanted to buy a home. Most of the people surveyed in the...

Berloni opens first UK showroom in Exeter

Berloni, the Italian kitchen brand, have recently opened their first UK store in the heart of Exeter, showcasing the very best in Italian design and the most up to date technology to be found in kitchens today.

Located on Roman Walk in Princesshay, Berloni has been manufacturing beautiful, functional kitchens at remarkable value for more than 50 years, bringing their premium quality, heritage and exclusive designs to many homes.

Stepping into the Exeter showroom is like walking into the ultimate kitchen design experience and the perfect escape from the hustle and bustle of...

EDDC takes innovative step towards setting up local housing company

East Devon District Council is looking at setting up its own local housing company to play a more significant role in the local housing market and increase housing supply in the area to meet the demand for good quality housing.

The company, which would be wholly owned by the council, could play a key role in delivering new homes to the district’s growing population. It would be financed by the council and any profits would come back to the council.

Other key priorities for the new company would be to improve the quality of rented accommodation across the district, provide...

Win a composter in free prize draw ‘Binanza’

Devon residents can win a composting bin if they pledge online to recycle their kitchen and garden waste.

One hundred composting bins and other prizes, including a wormery, a food waste gadget kit and a gardening hamper can be won in the draw which closes on Sunday 2 April 2017.

Composting is the most effective way to reduce waste and help the planet, and at least 30% of the contents in an average household bin can be composted.

Composting at home over 12 months can reduce carbon emissions equivalent to that produced by a kettle in a year, or a washing machine over...

Homes & Gardens

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

Exmouth now recycling 60% of their waste every week

How to Furnish a Rental Property

Protect your home with these 5 effective solutions

Exeter teen's ‘perfect home’ wins nationwide competition

How to furnish your first family home

Renaissance Villages launches local history exhibition alongside new collection of apartments

Young people in South West struggling to get on property ladder

Berloni opens first UK showroom in Exeter

EDDC takes innovative step towards setting up local housing company

Win a composter in free prize draw ‘Binanza’

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