The latest scare for the property market revolves around mortgages, it seems that first time buyers are not the only ones feeling the heat of the mortgage lending crunch. Even second time buyers or second-steppers with little equity are being refused mortgages unless they can stump up 25% or even 40% as a deposit.
So if you only have a small deposit of around 5% or 6% you could be refused or pay the price with a huge mortgage rate to pay.
Buyers who profited from the mid noughties mortgage boom are now paying the price, while those with money are relatively unaffected.
So what can low-equity buyers do? Since your money isnt earning in bank accounts its better in your property. Buy a reliable property which can easily be sold and goes up in price every year and put your monly into the deposit! Easier said than done of course!
See how property prices have been changing at House Price Spy thwe free property prices service!
Join this members only savings club with exclusive savings on the finest interiors brand and products! Every month they add new brands and they are only available for a limited time, dont miss them you could save 70%!
Its free to sign up for Achica and they have a great eye for new trends and brands. Snap up deals on bedding, lighting, cleaning, furniture, soft furnishings, home art, clothing and kids amongst many other categories.
They even have a celendar of offers so you can see whats coming, what money saving offers to look out for. There are always plenty to choose from!
Only members of Achica can view and take advantage of any of these offers but the good news its its free to join you just give them your name and email address.
If you want to update your home with some great designer furnishings or luxury goodies then this is for you!
Once these deals are gone they never come back, what are you waiting for?
Whats that you say? You didnt even watch the Olympics? Well most other people did and believe it or not the UK housing market dropped (asking price) by on average 4.5% with almost £10k being wiped off the price during that time.
So much so that when the games ended with the Spice Girls (the Rolling Stones would have been better surely?) the property market bounced back by 3.5% creating a mini housing boom for late 2012 with more and more people venturing out of their bunkers to sell their house.
The market is up 1.5% on the same time last year and a fragile confidence is growing that 2013 might be the time when the big turn around comes.
It could be that sellers are over pricing their properties and we will see a reverse in the months to come. Its seems there may be split in that upper value properties are rising in value and only lower value ones and ones in struggling markets stagnating.
Find out how much your house is worth at House price Spy the free property service!
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Now TV is a new service which allows you to watch both Sky Movies and Pay On Demand titles online without the need for a dish, set top box or long contract. After your 30 day free trial you pay just £15 per month and need no extra hardware, you watch unlimited movies online including the latest action, horror, drama and comedy hits! There are hundreds of movies to choose from!
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Get cheap gas and electricity for your household from British Gas, they have more tarriffs and better value to help you save on your home utilities!
Prices might be going up across the board but you always know you can get the best value from the biggest name in energy in the UK.
Get some amazing bonuses when you sign up for British Gas, including a free electricity monitor, dual fuel discounts, Direct Debit discounts and fixed pricing are all available.
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Get the best value home support cover from npower Hometeam! They beat the prices of all competitors, they even let you compare them!
Rest easy knowing a top company has your boiler or heating system covered from just a few pounds a month. It could save you thousands in the long run and in the short run you get a discounted rate for the first 12 months (£15 p/month) and your first call out free of charge!
npower Hometeam have packages for repairs, servicing and specialist solutions like wireless controls and eco options.
You never know when you’ll have problems with your heating (except it will be snowing outside), but with npower Hometeam you know a qualified technican is just a 24/7 call away.
These offers cant be beaten, so why look anywhere else for a great deal on home heating repair and servicing?
npower Hometeam could save you thousands of pounds of damage and freezing when you boiler has faults.
I Think Property uses the power of the best online advertising to get you the price you want for a minimum of expense and hassle for you! Whether you are wanting to sell or rent for just £225 you can use this site to get the best possible price for it.
Just upload your images and copy for your property and they do the rest. They list your property on the best websites including Rightmove, they take all your viewing appointments and negotiate with buyers and renters on your behalf. Easy and for a bargain price too!
If time is money then you’re well on your way with I Think Property, a great, proven service that is the future of the property market.
You could start the process off in seconds with I Think Property, the easy way to sell or rent out property.
Your online estate agent that works on one small fee up front, no percentages or hidden fees.
In this day and age who can afford to ignore a handy, bargain service like this?
Save over £300 per year on your utility bills with Free Loft Insulation!
They offer everyone free insulation for their house including wall and cavity insulation provided by qualified technicans. There is a limited number available so get in now! This service is worth thousands and year on year could really cut down your electric and gas bills to size!
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Some T&Cs apply and this is not suitable for all flats and houses.
Free Loft Insulation is a limited offer, so dont miss out!
Cutting your household bills down to sizes has never been more important. Rising fuel prices mean the electricity and gas your home uses is becoming more and more expensive. But there are things you can do! We’re not talking about disconecting everything and looking out the winter woolies!
Join SSE as a utilities customer and you get a free power meter worth £49 which lets you cut your bills around the house by finding where and when you home uses the most power and cut this down and save money. Its a simple bit of kit which anyone can use, you can track your usage and cut out where you’re losing money and change your habits. Old devices, leaving devices on, poor insulation and many other factors could really be costing you every month. Track down where you’re money is going with this free power meter!
SSE also offer you a more modern interface which lets you deal with your utilities. All online, a personal profile which lets you track your payments and usage, get handy money saving tips and advice free.
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This scheme could save everyone in terms of the environment, just by saving them money on their household bills.
SSE offers great prices on electric and gas, see why they are so popular!