March 13th, 2012 HIP-Consultant.co.uk Posted in Insurance, Landlords, Property Market 4 Comments »
The decision to become a landlord involves many factors – but how many landlords consider exactly where the best areas are in order to have the best chance of succeeding?
With renting becoming increasingly vogue, this is good news for landlords all over the country. You may want to take in certain geographical factors, however, into your decision-making.
February 28th, 2012 HIP-Consultant.co.uk Posted in Energy Saving, Insurance, Landlords 3 Comments »
The energy crisis is something that is likely to become more and more prominent over the coming years as the UK as a whole looks to reduce its energy consumption, lower carbon emissions and work towards having renewable energy in the future.
This is an issue that is pertinent to everyone, including landlords who will be coming across more and more tenants and letting agents who want to know how green and carbon friendly their properties are!
February 6th, 2012 HIP-Consultant.co.uk Posted in Insurance, Property Market 4 Comments »
The properties in which we live are generally our biggest purchases in life, they are the places we spend much of our time, the places we fill with valuable possessions and one of the things we would least like to live without. Taking these simple facts in to account, the questions we must ask are, do our homes need protecting? If so, what type of protection do they need?
January 4th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Property Market 2 Comments »
Being at risk of having your property can be terrifying and can be very lonely. You are worried about what will happen if you lose your home and perhaps embarrassed about what people will think. The reality is you should not be embarrassed – tens of thousands of people are repossessed each year and as the recession bites harder they are on the increase.
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December 20th, 2011 HIP-Consultant.co.uk Posted in Energy Saving, Home Improvements, Insurance 7 Comments »
You might think that installing something as large and life-changing as a solar panel on your home means big repercussions on your insurance premium, whether for the better or worse.
Well, there’s a balance at work: on the one hand, environmentally aware homeowners like yourself are usually less likely to claim and insurers can’t really penalise people for doing something that’s so eco-friendly and positive. On the other hand, the solar panels are both valuable in themselves and add value to your home, which means your payout might have to be larger if you were to claim.
December 12th, 2011 HIP-Consultant.co.uk Posted in Mortgages, Property Market 1 Comment »
These are tough times for first time buyers trying to get a foot on the first rung of the property ladder. The high loan to value mortgages of the noughties are consigned to banking history and these days, a deposit of 15% – 20% will need to be raised, along with legal costs, survey costs and all of the other expenses associated with moving in to a new home. In reality this means that first time buyers are needing to raise at least £15,000 to £20,000, often much more to have a hope of buying their first home.
November 11th, 2011 HIP-Consultant.co.uk Posted in Insurance, Property Market 5 Comments »
Whether you’re becoming a landlord for the first time or just looking to maximise the income from existing properties, there are a number of things you can do to protect your investment.
November 4th, 2011 HIP-Consultant.co.uk Posted in Financial Products, Mortgages 1 Comment »
Choosing the right mortgage is possibly the biggest financial obligation most people make in their lifetime, so it’s imperative that you do your research before making your decision.
With an abundance of selections of mortgage options and an endless array of financial institutions offering their own programs, you can be left feeling overwhelmed.
October 27th, 2011 HIP-Consultant.co.uk Posted in Insurance, Landlords Comments Off on Your guide to landlord insurance
Landlord insurance is an extremely important thing for people in the property rental industry to have in place. Sometimes referred to as “buy-to-let insurance” for this exact reason, this form of cover is taken out as a means to protect a landlord’s property.
October 20th, 2011 HIP-Consultant.co.uk Posted in Mortgages, Property Market 3 Comments »
I was reading about Nick Clegg’s proposal at the Liberal Democrat conference to impose an additional tax on empty homes the other day with the aim of stimulating the housing market and it got me thinking about a couple things. Firstly, why oh why did I think voting Liberal was a good idea and secondly, what could be done to stimulate the housing market?
September 15th, 2011 HIP-Consultant.co.uk Posted in Estate Agents, Mortgages, Property Market 3 Comments »
You would need to have been living on Mars for the past ten years not to know about the rise and fall of the UK Housing Market. From the incredible price inflation of the early 2000s to the near collapse following the 2008 banking crisis, house prices regularly make for headline news. So what’s next?