by MnM | Aug 17, 2013 | Blog |
Government help to get you on the property ladder-For first time home buyers
The government help to get you on the property ladder-For first time home buyers have launched a £3.5 billion in shared equity new homes programme called the help to buy scheme with the government help to get you on the property ladder-For first time home buyers allowing for first time buyers to get on the first step of the property ladder.
The new government help to buy scheme helps first time buyer to have the chance to own their own home with a deposit of just 5%. Providing the property is worth less than£600,000, your 5% deposit will attract 20% of the value of newly built homes from the government. Subject to finale design a mortgage guarantee scheme can also make £12 billion of government money available to help increase mortgage lending. The British Government help to get you on the property ladder-For first time home buyers read on to see how this may help you.
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Although in the past tax incentives have been offered by the government supporting home buying , it has now been many years since UK taxpayers could benefit from mortgage interest tax relief. George Osborne and his team have now elected to try out two different systems : an equity loan scheme and a mortgage guarantee.
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Equity loans
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[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]From 1st April 2013 a new scheme will run for three years. It is proposed to provide £3.5bn of additional investment.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]The scheme will apply to new build properties only
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]You do not have to be a first time buyer all home buyers can apply
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]A minimum of 5% deposit will be required only for the Government help to get you on the property ladder-For first time home buyers
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]A government equity loan will lend up to 20% of the value of the property. This can be re paid at any time or once the property is sold. For the first 5 years the loan is interest free.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]The equity loan arrangement will only apply to home purchases of £600,000 or less.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]By using this scheme the government will share ownership of the property so if the value of the property increases so does the equity loan.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]You can apply if you currently rent a council or housing association property
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]If you are aged over 55 years then you can get another help to buy scheme called ” older peoples, shared ownership“. It works in the same way as the general scheme but only allows you to buy up to 75% of your home. Once you own 75% you will not have to pay rent on the remaining share.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]You can also buy more shares in your home once you become the owner, this is known as stair casing.
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Mortgage guarantee
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[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]From 1st January 2014 a mortgage guarantee scheme will run for 3 years. Buyers need to secure a mortgage from a lender who should be encouraged to offer low deposit mortgages by the government guarantee.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Guarantees can apply to existing homes and new builds
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]A minimum 5% deposit will apply
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]A £600,000 maximum purchase of a home applies
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Both new building and the housing market are set to benefit from these schemes.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]The house will be in your name so you can sell it at any time you may choose, at which point you will then have to pay back the equity loan. If you do not sell your home you will have to pay back the loan once you reach the end of your mortgage period. Whichever comes first.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]You also have the option to pay back up to 20% of the equity loan without selling your home. If you wished to pay back the full amount you would need to speak to your lender and help to buy agent.
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To save on your moving arrangements
by MnM | Aug 16, 2013 | Business Moves, Leicestershire Removals, Transport & Logistics |
Highly Rated Transport, Logistics & Haulage Company Leicester
You can trust MnM Transport & Logistics to be the face of your business and with our expertise and fully qualified staff we can take on the transportation for your company, leaving you to complete the important task your business needs.
Why Choose Us
Choosing MnM Transport & Logistics to under take your transportation, our specially trained team offer a reliable door-to-door and transport and haulage service for all businesses we will ensure that your consignment reaches its destination quickly and safely. We can transport anything from brand new fully packed Sofa’s, table’s, bed’s, envelope etc to your consignment of pallets and crates and even your important documentation that may require a 24hr fast track delivery, we can do it all. We work closely along side many major furniture companies in the East Midlands areas.
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What Makes Us Different
- Our professional transport and haulage team will cater for big or small companies in and around the East Midlands area.
- Our professional transport and haulage team will always work to the highest of standards required when completing a delivery on behalf of any company or furniture retailer.
- Our fully trained staff will ensure a reliable, professional and very careful service.
- Our clients are based throughout the UK, our friendly team can provide services ranging from a one-off delivery to a complete home delivery solution for all furniture retail stores.
We pride ourselves on leading the way when it comes to transport and haulage services. We understand that are transport driver’s and vehicles represent the companies that they deliver for, this means that great emphasis is placed on the importance of fully trained, friendly and uniformed staff. We view our transport and haulage as an important opportunity to help you to build up your customer relationship and secure repeat business.
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Our Transport, Logistics & Haulage Services
(please note: all of our drivers will be smartly uniformed and all our vehicles will be plain white and unsigned)
1. We can collect item(s) directly from your supplier
2. When loading and unloading our vehicles specialist moving equipment will be used if required
3. when moving furniture or pallets in and around your store our staff will always uphold a professional standard
4. Our drivers will always contact your customers one hour prior to the delivery
5. Our team will deliver item(s) into a downstairs room(s) of your choice (upstairs only if arranged prior to delivery)
6. When delivering item(s) to your customers we understand that we are representing your business/company and will always maintain a positive and friendly attitude
7. We will obtain a signed delivery note and provide your customers with a delivery receipt
8. We are fully insured for the purpose of furniture deliveries and courier transportation and haulage to a high value
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We offer very Competitive rates for transport and haulage, We will collect your products directly from the factory, warehouse gate to other factory destinations and directly to retail outlets. We will assist you with full or part load road services throughout the UK.
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by MnM | Aug 15, 2013 | Derby Moves, Moving Advice, Moving Home, Property |
How the Government help to buy scheme when moving home in Brailsford, Derbyshire could help you
The government have launched a £3.5 billion in shared equity new homes program called the help to buy scheme which allows for first time buyers to get on the first step of the property ladder.
How the Help to Buy Scheme Works
The new government help to buy scheme when moving home in Brailsford , Derbyshire helps first time buyer to have the chance to own their own home with a deposit of just 5%. Providing the property is worth less than£600,000, your 5% deposit will attract 20% of the value of newly built homes from the government. Subject to finale design a mortgage guarantee scheme can also make £12 billion of government money available to help increase mortgage lending.
Although in the past tax incentives have been offered by the government supporting home buying it has now been many years since UK taxpayers could benefit from mortgage interest tax relief. George Osborne and his team have now elected to try out two different systems : an equity loan scheme and a mortgage guarantee.
[divider icon=”” style=”simple”]
Equity loans
- From 1st April 2013 a new scheme will run for three years. It is proposed to provide £3.5bn of additional investment.
- The scheme will apply to new build properties only
- You do not have to be a first time buyer all home buyers can apply
- A minimum of 5% will be required
- A government equity loan will lend up to 20% of the value of the property. This can be re paid at any time or once the property is sold. For the first 5 years the loan is interest free.
- The equity loan arrangement will only apply to home purchases of £600,000 or less.
- By using this scheme the government will share ownership of the property so if the value of the property increases so does the equity loan.
- You can apply if you currently rent a council or housing association property
- If you are aged over 55 then you can get from another help to buy scheme called ” older peoples, shared ownership”. It works in the same way as the general scheme but only allows you to buy up to 75% of your home. Once you own 75% you will not have to pay rent on the remaining share.
- You can also buy more shares in your home once you become the owner, this is known as stair casing.
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Mortgage guarantee
- From 1st January 2014 a mortgage guarantee scheme will run for three years. Buyers need to secure a mortgage from a lender who should be encouraged to offer low deposit mortgages by the government guarantee.
- Guarantees can apply to existing homes and new builds
- A minimum 5% deposit will apply
- A £600,000 maximum purchase applies
- Both new building and the housing market are set to benefit from these schemes.
- The house will be in your name so you can sell it at any time you may choose, at which point you will then have to pay back the equity loan. If you do not sell your home you will have to pay back the loan once you reach the end of your mortgage period. Whichever comes first.
- You also have the option to pay back up to 20% of the equity loan without selling your home. If you wished to pay back the full amount you would need to speak to your lender and help to buy agent.
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by MnM | Aug 15, 2013 | Leicestershire Removals, Moving Home, Moving House, Property |
The benefits of buying a new build property in Leicester are endless. If you would like to know why buying a new home is a good idea please read on
We understand that buying a new build property in Leicester and moving out of your old one can be exciting and very emotional at the same time, this is why when choosing our professional home moving service you can rest assured that your whole experience from start to finish is a nothing but a success.
[icon icon=”thumbs-up” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Start enjoying your new home immediately
- If you are buying a new build property you can if you wish, move in straight away as it has been completed.
- You will not have spend a single penny on restoring and decorating. Most new build developers will design your new home to your exact requirements before it has even been built including the decorating of your home.
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[icon icon=”thumbs-up” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Don’t worry its brand new
- New build developers registered with National House Building Council provide a 10 yr warranty, Most new home developers offer these guarantees.
- You can avoid waiting a long time for detailed surveys to be completed on your new home, because your guarantee will cover any issues you may have.
- Nearly all new homes are equipped with the latest security features as standard, which also includes fire, smoke alarms and circuit breakers.
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[icon icon=”thumbs-up” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]New build efficient and saving you money
- Most new build homes are way more energy efficient than most older homes, this is because your new home has been fully insulated with the most updated energy saving devices added. This will decrease running cost compared to older homes, making your new home a more eco-friendly way to live.
- New homes are built to reduce waste and work to in balance with our environment. The developers of today are striving to create a sense of community within the development in return adding parks, play areas and many more benefits for the residents.
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[icon icon=”thumbs-up” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Where to live-Location
- There are a lot of new homes built close to shops, schools and public transport.
- When developers choose a location site to build new homes, they always give careful thoughts into the access points and the area as a whole.
- There is no need to feel like the newcomer as every one will be in the same boat as you.
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[icon icon=”thumbs-up” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]New home less stress
- When buying your new home in Leicester remember that there is no upward chains to think about making the whole process simple and easy, developers can offer part exchange deals to make the process even quicker.
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[icon icon=”thumbs-up” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Contemporary living for all residents
- If you are a first time home buyer, retired or you have a big family seeking more space, the new home developer will create new homes for every one. A lot of new home developers have a variety of choices for home buyers which include apartments and older homes.
- A new home is designed to fit in with modern day living, the space in a new home is used efficiently and effectively.
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by MnM | Aug 15, 2013 | Moving Advice, Moving Home Nottinghamshire, Moving House, Removals and Self Storage, Specialist Removals
Are you living above a pub and moving house in Nottingham?
If you are living above a Pub and moving house in Nottingham you are going to have a lot of planning and organizing to do. Relocating your pub from one location to another is a tricky job, one best left to experienced professionals. The move needs to be handled quickly and efficiently to ensure you will be able to recommence business as soon as possible.
[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Worried about loosing business
Bottles, glasses and stools are just a few of the items that will need to be moved. Since a lot of glass and breakable items are involved when moving from a pub to a pub these moves need extra care to avoid damaging any delicate items. Some may find it cost effective to take on the roll of wrapping and packing all the items ready for your move before the arrival of the house removals team
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[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Pub clearance
This is a good opportunity for pub management to have a clear out and dispose of any damaged or unwanted items. Old cardboard boxes, bottles and broken stools are just a few of the items that may have been gathering dust in a store room and can now be disposed of through our clearance service. It may be a good idea to delegate someone to sort through the items and decide what is no longer used or needed.
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[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Packing materials
Using the right packing materials is important.To help prevent or reduce the occurrence of accidents or damage it is better to use lots of smaller boxes to pack glasses and bottles as they are easier to move around than larger boxes once filled. Specialist box dividers are a good idea as well as wrapping glassware in bubble wrap before placing into boxes.
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[icon icon=”info” size=”small” style=”simple” shape=”inherit” text_color=”#000000″ bg_color=”#f48a00″]Preparing for your pub move
Advance preparation should include looking for a competent professional house removals firm in advance. This will give you time to discuss all of your service options, including packaging and costs well before the scheduled date of your move. Other preparations when moving from a pub to a pub will include gathering of needed boxes and moving supplies. It is also a good idea to postpone restocking just prior to your move to reduce the amount of items that have to be moved
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