The Quotatis Guide to Buying your First Home

Written by   |  Published July 25, 2016  |  Posted in: Advice & Tips, Removals, Surveyors  |  Tags:

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Buying your first home is a fantastic experience, but it can be daunting and sometimes pretty stressful.

That’s why we’ve put together our own guide to buying your first home so you can make the process as easy as possible.

Use our guide as a starting point to each step. After you’ve read it, go away and do your research.

That way you’ll make sure you get the best deals you can, and you’ll be so clued up you’ll be ready for anything the process throws at you.

Save for a deposit

If you want to get on the property ladder, the first thing you’ll need to do is save up enough money for a deposit. You’ll need at least 5% of the cost of the home you’re looking to buy. If you save for a larger deposit, you’ll have better mortgage rates available to you.

Make sure you open a Help to Buy ISA if you haven’t already. you’ll get some of the best rates around – and for every £200 you save, the government will give you £50.

Remember – we’re not financial advisers, so always speak to an expert before opening an ISA.

Get a mortgage

This is the part of buying your first home that can be daunting. There are so many deals and rates out there that it’s difficult to know what to go with. Make sure you do a lot of research and speak to lots of advisers who can help you.

Remember all the extra costs

Make sure you budget for all the added costs that come with buying a house. These include the charges for the mortgage agreement, a surveyor, solicitors and removal services.

Put in an offer

Once you’ve found your dream home, you need to put in an offer. Make sure you do your research and find out whether the owners are in a rush to sell, as they might be willing to accept a lower offer.

When the property owners have accepted your offer, you can formally apply for your mortgage.

Employ a solicitor

A solicitor will do all the legal and admin work for you and ensure there are no planning issues around your property.
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Get a survey carried out

You’ll need to have a survey done to rule out any structural issues with the property. There are three different types of survey to choose from:

  • Condition report: This is the cheapest type, and is best suited to new-builds as they shouldn’t have any structural issues.
  • Homebuyer report: A more detailed survey that looks at interior and exterior condition of the property and offers a valuation.
  • Building/Structural survey: You should use this type of survey if you’re buying a property that is older or more unusual.

Exchange contracts

When you’re happy with everything and your solicitor has finished their work, you can sign the contract! Exchange with the sellers, pay your deposit, and then you can get the keys!

Now you can get into your home and decorate and furnish it exactly how you want it. Once you know the steps, buying your first home needn’t be as daunting as it seems.

Air Conditioning: Do You Need It?

Written by   |  Published July 4, 2016  |  Posted in: Advice & Tips, Air Conditioning, Windows  |  Tags: ,

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For most of the year, the temperatures in the UK are so mild that there’s no point in us even thinking about getting air conditioning.

But there are some days in the summer (we’re praying they start coming soon) where it’s so hot that all we wished we had was some cool air blowing over us.

Is there any point in us getting air conditioning in our homes? After all, we’ll only have to use it for a tiny portion of the year. On the other hand, we’re all used to having it in our cars.

So should we think about investing in air con? We examine the pros and cons and some solutions.
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4 Ways to Upgrade your Home for Less

Written by   |  Published June 27, 2016  |  Posted in: Home Renovation, Painting & Decorating  |  

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If you are looking to upgrade your home, you might be put off by the thought of a huge budget. But what if we were to tell you that you could renovate your home on a budget? It is possible.

One of the best ways to upgrade your home for less is to do it bit by bit. That way, you only have to put aside small sums of money rather that a huge lump that will take you a long time to save up for.

Here are some ideas to help you save money when you’re renovating your home.
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5 Ways to Enjoy National Unplugging Day

Written by   |  Published June 26, 2016  |  Posted in: Energy Saving, Renewable Energy  |  Tags:

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It’s National Unplugging Day, the day when parents around the UK pledge to spend the entire day without technology. Whilst the aim of this day is to allow families to increase their emotional and physical wellbeing by tackling technology overuse, it’s also a great way to help the environment.

The thousands of different gadgets available now all need electricity to power on or charge up. That means that many of us have seen our bills rise in the past decade or so. Simply cutting down on how often you use technology can make a huge difference.

So what can you do to enjoy National Unplugging Day? We’ve put together a few ideas.
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How to Create the Perfect Second Bathroom

Written by   |  Published June 13, 2016  |  Posted in: Bathrooms, Country Homes  |  Tags: ,

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For lots of us, a second bathroom is essential. We can’t imagine the days when homes didn’t even have bathrooms, and we had to make do with a tin bath and an outside loo.

If you haven’t got a second bathroom already, you’re probably trying to find out where you can fit one.

Whether you’ve already got a second loo tucked away downstairs somewhere or you’re still trying to find the perfect place, here are some ideas for how to create a second bathroom that guests will envy.
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Why you Should Never Overlook your Kitchen and Bathroom

Written by   |  Published June 6, 2016  |  Posted in: Advice & Tips, Bathrooms, Kitchens  |  Tags: ,

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Are you planning to sell your home in the near future? We all know that our homes need to look the best if we want to get the asking price. But did you know that the kitchen and bathroom are the top rooms that buyers look for in a property? That’s why it’s important to make sure they’re looking their best.
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How to Make the Most of your Loft Conversion

Written by   |  Published May 30, 2016  |  Posted in: Home Renovation, Loft Conversions  |  Tags: ,

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A loft conversion is a great way to maximise space in your home. It increases the value of your property by up to 20%, can benefit from sunlight for most of the day and has an interesting ceiling shape.

The chances are that you already know what you want to use your loft conversion for, as most people convert their loft for a specific reason.

Whether that be a bedroom, study or even a bar, find out how to make the most of your conversion.
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The Truth on Whether you Should Improve or Move

Written by   |  Published May 26, 2016  |  Posted in: Building Contractors, Conservatories, Home Improvement, Home Renovation, Loft Conversions, Removals  |  Tags: ,

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Should you improve or move? That’s the question on lots of families’ minds as they grow and need more space. With the state of the housing market in the last few years, lots of people have been opting to stay put and improve the home they’re living in to accommodate for their new needs.

And when you actually compare how much it’s going to cost to move, sometimes it’s simply not worth the hassle.

We’re going to uncover the truth about whether it’s better to improve or move; here are the hidden costs behind moving.
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Why Spring is a Great Time to Focus on Energy Efficiency

Written by   |  Published May 9, 2016  |  Posted in: Energy Saving, Insulation, Roofing, Windows  |  Tags:

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Spring is well and truly here! After the glorious weather we had at the weekend, it seems like it’s finally safe to get our summer wardrobes out. Although our heating’s off and our windows are open, it’s no time to forget about energy efficiency.

Now that the weather is good, it’s a great time to think about energy-saving measures like insulation and new double glazing. Not only might installation costs be cheaper, but you won’t feel the elements as the work’s going on either.
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Artificial or Real?

Written by   |  Published May 3, 2016  |  Posted in: poll  |  

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Where do you stand? Is artificial turf the answer to those issues of long grass and weeds? Or if you want to have the perfect lawn does it have to be real?

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