Mortgage Archives - Fife Properties
Fife Properties

Fife Properties TV (Series 1 EP 5) Property Market Update for Sales, Lettings and the economy.

Hosts Jim Parker is joined by Letting Agent Richard Cook and Estate Agent Jimmy Mullen to discuss this week’s news in the Fife Property Market while answering questions live on their TV show every Saturday morning @ 9.30am.

Today’s agenda in case you would like to skip to the section required is:  Continue reading Fife Properties TV (Series 1 EP 5) Property Market Update for Sales, Lettings and the economy.

Fife’s ‘Generation Rent’ to Become ‘Generation Buy’? (3 min read)

Boris Johnson has attracted both praise and horror in equal measure with a new plan for 95% mortgages to help beleaguered first time buyers to get on the property ladder, but would that expose UK taxpayers to too much risk? In this article I discuss the implications of what that would mean both nationally and locally in Fife. Continue reading Fife’s ‘Generation Rent’ to Become ‘Generation Buy’? (3 min read)

How to save money on your mortgage (3 min read)

In this 3 minute read I’ll tell you how to possibly save a small fortune just by remortgaging to a better deal and how simple it is. So if you like what I say hit that like button, comment and share it with your friends as they might be able to save money as well. For some of you this could mean saving £50, £100 or more every month! Continue reading How to save money on your mortgage (3 min read)

Questions Surrounding Saving Schemes In Fife

There are so many different saving schemes out there, it can be overwhelming trying to figure out which is best for you. A saving scheme is typically a program that is designed to influence saving in a manageable way, commonly offering an interest percentage, depending on who you go with. A popular ISA was the help to buy but this is no longer available. Don’t worry, there are so many other options. For example, a good alternative is a lifetime ISA.

Continue reading Questions Surrounding Saving Schemes In Fife

How Do You Save For a House Deposit?

For most of us, the most expensive thing that we ever purchase will be a property, and the prospect of saving for that all-important deposit can be rather daunting. However, the key to saving for that lump sum is simply good financial preparation and making a few changes to your outgoings which should reap big rewards. Take a look through our handy hints and tips and you’ll be in that new home in no time.

Continue reading How Do You Save For a House Deposit?

A First-Time Buyer’s Guide To Making An Offer

If you’re a first-time buyer and have begun the hunt for your first home, you may think that once you’ve found the right one you simply offer what they ask for; job done! However, when it comes to making an offer on a home, there’s a bit more work that should go into it than simply offering the price advertised.

You need to be confident when making an offer that you’re not going to be stung by an inflated asking price or take yourself out of the running by offering too low. To help you prepare, we’ve put together the following information to help you through this stage of the home buying process.

Continue reading A First-Time Buyer’s Guide To Making An Offer

Top Tips on Downsizing to a Smaller Home

For a lot of older homeowners today, downsizing can be a great way to have a good clear out after your kids have left home, but also a fantastic way to free up some equity from your home. This financial boost will most likely come with the added bonus of a reduction in running costs as you move to a smaller home.

While there are plenty of benefits of downsizing, moving home can still be a complex and stressful experience, so we’ve put together a quick guide on what to consider to help make your move a much smoother transition.

Decide what you REALLY need Continue reading Top Tips on Downsizing to a Smaller Home

What Has Happened to the Fife Property Market Since the Crash?

A handful of Fife landlords and homeowners have been asking me what would happen if we had another property crash like we did in 2008/9?

The UK property crash in 2008/9 caused property prices in the UK to drop by an average of 18.37% in a period of 16 months.

Continue reading What Has Happened to the Fife Property Market Since the Crash?

Design trends to look out for in 2020

We’re moving into a new decade, and so the last thing that you want is for your home to look dated. Throughout 2019 we have seen some extreme trends in interior design; from the embracing of industrial elements to the resurgence of entirely neutral spaces. We have taken a look at what to expect this year and how to get ahead with your design aesthetic, whatever your budget.

  1. Colour makes a comeback

One of the key trends this decade has been that of neutral spaces with a few accent pieces to liven up the décor, however this year one of the main inclinations in design will be towards colour; bolder, brighter and braver! Rebecca Breslin, Wayfair Professional design manager, is calling for an end of “Greige, grey and all neutral everything without texture or visual interest” and therefore if you are looking for a change this year then start by adding colour into your home – burnt oranges and deep blues are set to be en vogue throughout the whole year.

  1. Paper set to tear up the market

A feature wall has been the mainstay of every makeover show and glossy magazine before-and-after shoot since the early naughties, however 2020 is set to end this fad. Rather than a singular wall that is adorned with wallpaper, we are going to see all four walls covered with paper – in line with the brighter aesthetic of 2020. Wallpaper has seen something of a renaissance over the past decade, with designs from Gucci and Dior all the way through to stick-and-peel examples flooding the marketplace, and this isn’t set to end this year. If you want to experiment, then start with smaller spaces such as studies, toilets and guest bedrooms where patterns will seem less overwhelming.

  1. Cabinet shake-up

The crisp, white kitchens that have been an enduring design staple over the last decade are set to move into retirement in 2020, with colour making its way back into the heart of the home. Kitchen cabinets, more specifically, are to become a real focus in kitchen design – therefore if you are looking to stay on-trend then think about rejuvenating your cabinets. Navy blue matte cabinets with vintage gold handles will transform your aesthetic immediately and mixes the traditional and vintage visuals that are set to be all the rage this year.

  1. Give art a start

In these modern days of mass production and consumerism, vintage art and antiques are making a huge comeback due to the perceived one-of-a-kind nature of the objects and that they possess their own unique story. If you are looking to make small changes to your home that make it chic, then adding some select pieces of art is a great start – adding pieces to your kitchen walls will add particular interest to an otherwise utilitarian space.

  1. Soften the edges

Throughout the 2010s, chicness has often been related to strong lines, sharp edges and minimalism, however as we move into the next decade this is set to be turned on its head for an altogether softer look. As well as a nod to 30s glamour (think metallics such as silver and gold, as well as scalloped seating) curves and fluid shapes are set to be popular this year; from circular side tables to rounded-edge sofas.

The £3.6 billion mortgage debt of Fife homeowners

Irrespective of the shenanigans and political goings on in Westminster recently, the housing market (for the time being anyway) shows a striking resilience, fostered by the on-going wide-ranging monetary policy by the Bank of England. With interest rates and unemployment low, UK plc is heading into 2020 in reasonable condition.  Additionally, despite the UK’s new homes industry Continue reading The £3.6 billion mortgage debt of Fife homeowners

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