Selling a property in winter? Here are our tips for seasonal staging.

Winter can be a difficult time to sell a property, but with the right staging, you can turn the season to your advantage. Here are our tips for success when selling your home in winter.

Start from theoutside.

We don’t get a lot of snow in Northern Ireland, but when it comes it can be a hazard, as can the ice that appears more frequently. Make sure you keep your driveway and any paths around the outside of your house clear of snow and ice so potential buyers don’t fall when they come to view your house.

It’s also a good idea to get out and make sure any hedges or outdoor plants are presentable. It’s easy to neglect the garden when it’s cold outside, but taking care of this area will make your house look much more appealing to house hunters.

Don’t forget the windows.

Even in the warmer months, many people forget to take care of their windows, but during the winter it’s especially important to keep them clean both inside and outside. During the winter, windows can accumulate a layer of grime that blocks some of the natural light you’ll want to get in to brighten up your interiors.

Keep your house bright.

Switch the lights on when you have people in to view your house, even during the day. It’s dark enough in winter, so keeping your house well-lit will make it feel more inviting to prospective buyers. Make sure you replace any light bulbs that need changing and add a few lamps to darker spaces.

If you can make the most of what natural light is available by scheduling viewings during the late morning and afternoon, this is worth doing. Keep the curtains open to allow as much natural light in as possible.

Make it warm and comfortable.

If you have a fireplace in the house, light it before viewers arrive. This will help make the house appealing by warming it up and giving it a nice ambience. Turn the heating on as well to keep the whole house a comfortable temperature so people stay long enough to appreciate the property.

Arranging sofas and beds with heavy winter blankets, duvets and cushions will also make the house look like a comfortable place to spend cold winter days. Choosing warm colours will help set the mood as well.

Contact Us.

With so much to do when selling a house, you need an estate agent who will make the process as easy as possible for you. So, if you’re looking planning on selling, take a look at our website or visit us in one of our branches in Templepatrick or on the Lisburn Road in Belfast and find out how we can help you make your next move.

Struggling With Debts In Belfast? Make 2018 The Year You Get Your Finances Back On Track.

Debt is a normal part of most people’s personal finances. Everyone relies on credit cards, over drafts, personal loans and mortgages at some point in their lives. Whether you’re renovating your house, paying for a holiday or just tiding yourself over until payday, everyone borrows.

For some people, however, debts can become unmanageable. Sometimes a pay cut or losing a job can make your repayments unaffordable. Sometimes low wages lead to chronic debt you can’t escape from.

Often people find their debt situation gets worse at the start of the New Year. Christmas spending on credit and store cards can add to existing debts, leaving you owing more than usual.

If this situation sounds familiar to you, then we can help. At Get Help With Debt, we can help you to write off thousands of pounds in debt and provide you with a range of options for dealing with the remainder.

For some clients a debt management plan might be what they need to get to grips with their debt. With a debt management plan, you will only have one monthly payment to make and you will only pay what you can afford until your debts have been cleared.

For others, an individual voluntary arrangement, or IVA, might be the best option. An IVA is a legally binding agreement between you and your lender and could make you debt free in as little as five years. We’ll stop your creditors from calling or writing to you to demand payments and freeze any late fees or charges you’ve incurred.

For a few clients, self-petition bankruptcy might be necessary. You will have to put any available disposable income you have towards this for three years, but you won’t have to deal with your creditors anymore and once your bankruptcy is completed you will be able to start fresh.

So, if you’re living in Northern Ireland and struggling with debt, whether your credit cards have gotten out of control, store cards are mounting up or you have a mortgage you just can’t afford, we can help you.Go online to www.gethelpwithdebt.co.uk and take our free online debt assessment or request a call back to discuss your situation and take the first step to becoming debt free.

Rising Household Debt Poses Risk To UK Economy.

Rising household debt, combined with stagnant wages, poses a major threat to the UK economy, according to the Organisation for Economic Co-operation and Development (OECD).

The OECD warned that personal loans such as credit cards presented a much greater risk of default compared to mortgages and said that worsening economic conditions could make repayments unaffordable for many borrowers.

The Paris based think tank said it expected UK growth to be the lowest of the G7 economies and that this will constrain wage growth, putting more pressure on already strained household finances.

It called for tougher affordability checks to be introduced to stop banks from lending to customers who might struggle with repayments, to prevent the banks from running into trouble should they be faced with a higher default rate.

The UK’s unsecured debt on credit cards, store cards, personal loans and car finance deals reached £200 billion this year, the same level it was at just before the 2008 financial crisis.

We can help.

If you’re one of those people struggling with unmanageable store card debt, there are options, however.At Get Help With Debt, we can write off thousands of pounds in debt and help you to manage the remainder, so it’s affordable for you.

Go online to our website and take our free online assessment, then book your free, no obligation consultation with one of our debt advisors to find out how we can help you.

Once you’ve met with your advisor we can present you with a range of bespoke solutions and you can make an informed decision about what approach is best for you. After that we do all the hard work, handling all third party communications for you, so you don’t have to deal with your lender anymore.So, go to www.gethelpwithdebt.co.uk and start the process of becoming debt free.

Moving and need to sell a house fast?

Selling a house can be a long process. In Northern Ireland, the average time it takes to sell a property is 119 days, about three months, and for some sellers this is just too long.

If you need to move house, perhaps because you have a sale agreed on another property or you need to move city, or even country for a new job or to enjoy your retirement somewhere warm you can’t afford to wait three months to sell your existing home.

Moving can be a difficult enough process, especially if you’re going to live abroad, and having to handle a protracted sale at the same time is only going to make it more difficult.

We can help you get your home sold as quickly as possible, so you can move on with your life without the burden of an old property holding you back.

At Fast House Sale NI, we can agree an offer on your property within 24-48 hours and can complete the sale as quickly or as slowly as you like depending on your needs. Once we have made an offer it will remain valid for 28 days, so you have time to make your mind up, if you need to, and we never pressure you during that time.

Selling a house with us could also save you money. We typically buy properties for 80-85% of their market value. This might sound like you’re going to make a loss, but you will make important savings along the way.

If you sell your property through an estate agent, you will have to have a valuation, there will be solicitor’s fees, the estate agent will have to get their share and, of course, you will have to keep paying your mortgage until the sale is completed, however long that takes.

If you chose to sell your home with us, however, we provide a free valuation, consultation and we will pay up to £1000 of your solicitor’s costs. Selling your house to us is much cheaper than a conventional sale and you could save money on the mortgage as well.

We also offer much more discretion, than you will get with an estate agent. Privacy is important, especially during a difficult time, such as when you are going through a divorce. When dealing with us, there’s no need for a billboard outside your house. We won’t post pictures of your house online or in a shop window for everyone to look at. When you sell your house with Fast House Sale NI, we guarantee confidentiality.

So, if you’re in Northern Ireland and you need to sell your house quickly, call Fast House Sale NI now on 0844 846 8880 and we will make you an offer within 48 hours.

At CD Fairfield, we recently sponsored Noireland, Ireland’s first three day crime fiction festival, organised by No Alibis independent bookshop.

We supported Noireland in organising a series of creative writing workshops with leading crime writers to develop a new generation of local authors and screenwriters.

With more than 2000 people attending the festival, organiser David Torrans, was pleased with how it went.

He said; “This was the first three day crime fiction festival in Ireland and it went very, very well. We had a full house for the opening event on the Friday, with more than 500 people. Over the weekend we had over 2000 people attend the festival.”

According to David, the festival wouldn’t have been as successful without the support from CD Fairfield.

“Without the support from CD Fairfield, we simply wouldn’t have had as complete or full a festival. CD Fairfield helped us to organise workshops so people could engage directly with leading crime fiction authors, helping to sow the seeds of future creativity.”

At CD Fairfield we’re pleased to have been able to support this great new addition to Belfast’s cultural calendar and to help aspiring new writers develop through the Noireland workshops.

Credit card debt spiralling out of control?

Northern Ireland has a serious debt problem. According to research by debt charity Step Change, the average amount of debt in Northern Ireland has now reached £14,367 and it’s growing.

Credit card debt is the most common form of unsecured debt people here are struggling with, with more than two thirds, 67.2%, of people who seek debt advice dealing with more than £8,000 in credit card debt.

With wages stagnant since the financial crisis a decade ago and the cost of living continuing to rise, it’s no surprise that many people have been forced to turn to credit just to make ends meet. With inflation rising and no sign of wage growth, the situation could still get worse.

In fact, with speculation mounting that the Bank of England might raise interest rates soon, many borrowers could find themselves having to pay more if their lender choses to pass on some or all of the increase to their customers. This won’t affect the rate you’re currently paying on existing loans, but if you borrow more money you could find it more expensive.

If you’re one of those people struggling with unmanageable credit card debt, there are options, however.

At Get Help With Debt, we can write off thousands of pounds in debt and help you to manage the remainder, so it’s affordable for you.

Go online to our website and take our free online assessment, then book your free, no obligation consultation with one of our debt advisors to find out how we can help you.

Once you’ve met with your advisor we can present you with a range of bespoke solutions and you can make an informed decision about what approach is best for you. After that we do all the hard work, handling all third party communications for you, so you don’t have to deal with your lender anymore.

So, if you’re in Northern Ireland and struggling with debt you can’t afford, go to www.gethelpwithdebt.co.uk and start the process of moving on from your debts.

Need Help With Debt?

Debt is a normal part of most people’s personal finances. Everyone relies on credit cards, over drafts, personal loans and mortgages at some point in their lives. Whether you’re renovating your house, paying for a holiday or just tiding yourself over until payday, everyone borrows.

For some people, however, debts can become unmanageable. Sometimes a pay cut or losing a job can make your repayments unaffordable. Sometimes low wages lead to chronic debt you can’t escape from.  Whatever the circumstances, we can help.

At Get Help With Debt, we can help you to write off thousands of pounds in debt and provide you with a range of options for dealing with the remainder.

For some clients a debt management plan might be what they need to get to grips with their debt. With a debt management plan, you will only have one monthly payment to make and you will only pay what you can afford until your debts have been cleared.

For others, an individual voluntary arrangement, or IVA, might be the best option. An IVA is a legally binding agreement between you and your lender and could make you debt free in as little as five years. We’ll stop your creditors from calling or writing to you to demand payments and freeze any late fees or charges you’ve incurred.

For a few clients, self-petition bankruptcy might be necessary. You will have to put any available disposable income you have towards this for three years, but you won’t have to deal with your creditors anymore and once your bankruptcy is completed you will be able to start fresh.

So, if you’re living in Northern Ireland and struggling with debt, whether your credit cards have gotten out of control, store cards are mounting up or you have a mortgage you just can’t afford, we can help you.

Go online to www.gethelpwithdebt.co.uk and take our free online debt assessment or request a call back to discuss your situation and take the first step to becoming debt free.

 

Buying a house? Here’s our guide to the different types of mortgage.

Buying a house can be a complicated process, with borrowers having to make decisions about their budget, the type of property they want, their solicitor and more.

One of the most important decisions you’ll have to make is deciding what type of mortgage you want to take. This isn’t helped by the fact that the mortgage products which are available can change.

So, whether you’re a first time buyer, buying to let, or planning on downsizing, here’s our guide to the different types of mortgages available.

Fixed Rate.

Fixed rate mortgages have become increasingly popular with homebuyers. As the name suggests, the interest rate on these mortgages is fixed for an initial term when you take it out. This term can be two, five, or sometimes as much as ten years. A fixed rate mortgage ensures that your monthly repayments will stay the same over this initial period.

The main selling point for fixed rate mortgages is that it offers certainty about what your mortgage costs will be, allowing you to plan your finances more effectively. With speculation mounting that an interest rate rise may be imminent, many mortgage experts are advising customers to fix their mortgage for as long as possible to avoid any unexpected rate rises that may be coming.

One possible downside of opting for a fixed rate mortgage is that you will probably miss out on a more competitive deal if your lender’s standard variable rate (SVR) is lower than the fixed rate, or falls below it.

Standard Variable Rate.

The standard variable rate is set by your lender and varies from one lender to the next, though the average rate is currently around 4.5%. This rate is influenced by the Bank of England’s base rate, but isn’t directly tied to it and the lender can increase or cut this rate at any time.

With the base rate currently low, opting for an SVR can be good value, however, sooner or later this rate will go up and you have no control over when or by how much it increases, so it offers less certainty and security.

Tracker.

Another type of variable rate loan is a tracker mortgage. As the name suggests, a tracker mortgage tracks the Bank of England’s base rate, rising or falling as it does.

Typically a tracker mortgage will follow the base rate at a given margin above or below it. So, if your tracker mortgage were to be base rate plus 1%, that would mean your current interest rate would be 1.25%. Longer term tracker mortgages will usually have a larger margin, for example base rate plus 3.5%.

Tracker mortgages can either be taken as an introductory rate, usually for a period of one to five years, or they can cover the whole life of the mortgage.

With interest rates having been kept at historically low levels for years, tracker mortgages have offered some very good deals, however, interest rates can’t really fall any further and, as we noted above,
speculation is mounting that a rise in the base rate will happen quite soon, so these mortgages may lose their appeal for many borrowers.

Interest Only.

All of the loans we’ve talked about have been repayment have been repayment mortgages, where you pay off the loan itself, plus some interest, every month. You can, however, also take out an interest only mortgage, where you only pay the interest on the loan every month.

This has the advantage of keeping your monthly repayments down, but does mean that you will need to have a repayment vehicle in place so that you can repay the full value of the loan when the term ends.

Interest only mortgages are popular with landlords who want to keep their monthly repayments down in order to maximise their rental yield. For other borrowers, taking out an interest only mortgage can be a risky strategy, as you may find you can’t afford to repay the capital on the loan at the end of the term, which could lead to your home being repossessed.

Contact Us.

With so much to do and so many costs to meet when buying a house, you need an estate agent who will make the process as easy as possible for you. So, if you’re looking for a new home, take a look at our website or visit us in one of our branches in Templepatrick or on the Lisburn Road in Belfast and find out how we can help you find the perfect home.

Why use Fast House Sale NI?

For most people planning on selling their home, the best option will be to use a conventional estate agent. For some sellers, however, getting the house sold as quickly as possible might be important. There are a number of reasons why this might be the case, they may be emigrating or dealing with debts, for example. In those cases Fast House Sale NI offers the best service for people who need to get a sale as quickly as possible.

It’s fast.

This might sound obvious, it’s in the name after all, but for some people selling their property it really is important to get a sale sorted as quickly as they possible can.

At Fast House Sale NI, we can agree an offer on your property within 24-48 hours and can complete the sale as quickly or as slowly as you like depending on your needs. Once we have made an offer it will remain valid for 28 days, so you have time to make your mind up, if you need to, and we never pressure you during that time.
Change of Circumstances.

Most people buy their home with the intention of staying in the property and making a life there, but sometimes circumstances change. Perhaps you bought your home as a young couple, but now you have a child on the way and the house just isn’t big enough. Maybe you bought with your partner and now you’re separating and want to move on from the house you shared. You might have found a new job and need to move before you start.

Whatever the circumstances, it’s important for you to deal with your existing property before you can move on. We can take the property off your hands as quickly as you need, leaving you free to move on.

It can save you money.

At Fast House Sale NI, we will usually offer around 80-85% of the value of your property. For some sellers this might sound like they’re losing money, but in some situations this can amount to a saving. Selling a house can be expensive in itself. You will have to have a valuation, there will be solicitor’s fees, the estate agent will have to get their share and, of course, you will have to keep paying your mortgage until the sale is completed, however long that takes.

At Fast House Sale NI, there are no hidden costs or catches. We provide a free valuation, consultation and we will pay up to £1000 of your solicitor’s costs. Selling your house to us is much cheaper than a conventional sale and you could save money on the mortgage as well.

So, if you’re in Northern Ireland and you need to sell your house quickly, call Fast House Sale NI now on 0844 846 8880 and we will make you an offer within 48 hours.

Struggling with mortgage arrears and negative equity? We can help.

Taking out a mortgage and buying a house is the biggest financial decision most people will make in their lives. No one makes this decision with the intention of falling behind on their payments or not paying back the loan, but sometimes situations arise which make it impossible for borrowers to meet their mortgage costs.

This situation is even worse when the value of your home is less than the outstanding value of the mortgage on it. This is known as negative equity and it compounds your problems with arrears.

If left unresolved, mortgage arrears could ultimately lead to your property being threatened with repossession. Negative equity gives you less scope for dealing with your debt because selling your property will not generate enough to pay off your mortgage or arrears, leaving you burdened with the shortfall.

Negative equity has become quite common in the UK since the financial crisis ten years ago, when house prices collapsed, forcing down the value of many peoples’ homes and leaving them owing many thousands of pounds more than their property was now worth.

At Negative Equity UK, we’ve seen hundreds of clients who can’t pay their mortgage and have fallen into arrears for a range of reasons. Some people have lost their job or had their working hours cut. Others bought their house before having children, only to find their costs becoming unmanageable once they start a family. In some cases, an illness has forced them to leave work or make changes to their home.

Whatever the source of your mortgage problems, the consequences of falling into arrears can be serious. In the worst case scenario, you could potentially lose your home and damage your credit rating badly enough you may struggle to borrow again.

With arrears mounting and your property already in negative equity, you need to take steps to deal with your debts. Holding out for your circumstances to change is not going to help and waiting could make the problem worse.

At Negative Equity UK, our team of property debt specialists offers a range of possible solutions based on your situation. Whatever your circumstances, the process starts with a case review. We will obtain all of the original documentation on your mortgage from your lender so we can assess your needs and work out the best way for us to help you.

Rather than take a one size fits all approach, we off bespoke solutions based on our clients’ specific problems and financial circumstances.

Many people need to sell their house in order to deal with their debt. In this case, we can arrange a shortfall sale and negotiate with your lender in order to write off as much of the remaining debt as possible, leaving you with a much smaller amount left to pay.

In September alone we wrote off a total of £1,287,323 of unaffordable mortgage debt for our clients.

If you’re in arrears on your mortgage, or you’re trapped in a property in negative equity and you need to move on take a look at our reviews and contact us on 0161 631 2727 or fill out a contact form on our website and we will arrange a call back and start the process of dealing with your property debt.