Modern Living

Bring your lounge up to date with these latest interior trends

We all thing of our homes as those places we go to at the end of the day in order to relax in them and prepare for the next busy day at work. Most of us put a lot of effort into making sure that our homes are exactly what we want them to be: spacious, modern, awe inspiring. Because when we invite guests over, we want to be able to offer them the best experience possible, something they wouldn’t be able to experience any place else and this is where interior decorating comes in.

Not many of us use our basements the most efficient way. As a matter of fact, we might be tempted to forget that basements can offer us plenty of space. In cities such as London, free space is rare, and the homeowners there go to a lot of trouble to make sure that they get as much as possible from their basements.

Because of their nature, basements extensions usually require specialised knowledge and expertise. While it does not require a planning permission per se, there are some things that need to be taken into account such as humidity levels, luck of sunshine, etc. If this is the case in your basement, as this is the case with most rooms situated below the ground level, you need to make sure that you take all those things into account, or otherwise you risk facing some possible problems such as mold or depression that comes together with the lack of sunshine. If this is something that describes you, you should be able to know where to look for help. Also feel free to take a look at the photos below. They showcase how wonderful things can happen when you entrust the fate of your cellar into the hands of professionals. The photos are truly amazing and they speak for themselves.

Addressing Hoarding Situations

The problem of hoarding has attracted more attention in recent years due to popular television shows and increased openness about the consequences of mental illness. If you have a friend or family member who is a hoarder, it is understandable that you might be concerned for them and their well-being. This applies particularly to situations when the hoarding becomes severe, and your loved one is living in an unsafe home.

What is Hoarding?

Hoarding is not merely a matter of living in a messy or cluttered home. Instead, hoarders hang on to items that are of little or no use. Even items that may have some value, such as electronics or collectible figurines, frequently are not cared for or stored appropriately. Eventually, the sheer amount of “stuff” in a home makes it difficult to move around, access appliances and may even create a fire hazard.

How to Manage It

Hoarding is often a symptom of an underlying mental health condition such as anxiety or depression. When your loved one can get treatment for their condition, they may be more open to addressing the hoarding and its consequences. If a hoarder is initially resistant to getting help, it may be possible to work with an experienced social worker or mental health professional who can intervene in the situation.

Professional Clean-Out Services

Hoarding situations can be difficult to address, particularly when the clutter and mess become so overwhelming that one person just cannot clean it out in a timely manner. Even when family and friends pitch in, there remains the problem of disposing of the items. What is cleaned out is frequently more than can be contained in standard trash containers, and it may be difficult to coordinate the pickup of usable items by charities.

Fortunately, there are cleaning and junk removal services, such as Remove My Junk, which specialize in these situations. A professional crew will come into the home and remove items as well as clean up any debris. When possible, the crew can bring usable items to local charities, sort out recyclables and then dispose of the rest in an appropriate way.

Final Word

If someone you love is a hoarder, they need help. Because they may feel ashamed or overwhelmed, seeking support from professionals is one way that you can compassionately assist them to deal with their situation and get the care that they need.

How to Choose a Reliable Electrician

Most of us are homeowners, and as homeowners we all want our homes to be absolutely perfect. In order to make this happen, some repairs are absolutely necessary from time to time and they might include hiring a trusted electrician.

Even though I can conduct some small jobs around my house on my own, some bigger tasks such as rewiring my house is outside of my area of expertise. Only somebody qualified can do something as complicated as this. Let’s take for example my utility room. It has a washing machine in it. As long as I don’t use it at the same time as I use my dryer or any other device for that matter everything is alright. The moment I start running more than two devices, the whole system shuts down and I need to stop running the devices immediately.

I have been thinking about rewiring my home for a while now. It seems like a bigger task, but at the same time I think that it is absolutely mandatory in my case. I have been having problems with tripping for some time now and I honestly think that it is about time something is done about it. I simply cannot afford to waste any more time on making sure that the electricity in my utility room works smoothly. And because it doesn’t at the moment it renders the area rather unusable, don’t you think?

what am I going to do about the situation? I definitely am not going to sit idle hoping that everything will sort itself out because I know that it won’t. The best thing I can do at the moment is to hope to find somebody suitable for the job. I already started looking and it seems like there might be some electricians in my area I can trust to do everything the right way.

The Importance of Cleaning

Sometimes when I look around my office I notice that it is not as clean as it could be. I am allergic to dust, as many other people are, so I prefer if it is always clean around me. Even if I did not have an allergy, I might still prefer if it was cleaner. Anyway, sometimes finding someone to clean your office is not easy as there are many choices out there like, for example, commercial cleaning, so how can you know which choice is the best? How can you know which Commercial Cleaning Service is absolutely best in your case? It seems that there might be a way to decide.

It might not be that easy to decide if you do not have experience choosing a cleaning crew. One thing that may be easy to analyze is price. You can simply compare various prices of various cleaning companies in your area. Of course, price is not the only thing that matters. Another thing is how efficiently would your commercial or office space get cleaned. Well, that may be harder to judge. I am not yet sure what to do exactly, but I know that something has to be done. It could probably help me if someone would give me some recommendation as that usually seems to help if such circumstances. While I may not know yet what to do, I think I am on the right track.

Whatever you decide to do, just try to remember that cleaning your premises on a regular basis might be a lot more important than you think. After all, the health of your employees is at stake here and you should take all the necessary steps to ensure that you don’t put this at risk. the cleaner your office space the better it is for everybody, so it is really important to remember about that.

Using Bridging Finance For A House Purchase

Cash is king and this is no more true today when buying a property. If you are in competition to buy a house and you are relying on the sale of an existing property to provide the funds then you may find you up against it when it comes to the competition. So how do you make sure you are in pole position when it comes to securing your dream property?

One way to make things happen fast is by using bridging Finance. Bridging finance is a short-term funding option. It is primarily used to ‘bridge’ a gap in funds, for a set time. Bridging finance is a short term loan, usually for 12 months or less, that can be used by individuals and businesses for any purpose, including commercial and residential property, until some form of permanent funding becomes available.

Residential bridging finance is secured against either the home you are buying or your existing home or both to facilitate the transaction when there is a gap between the sale and completion dates in a chain.

One of the main reasons the bridging loan differs to a regular loan is the time frame. It is generally much faster to apply for and receive a bridging loan; a regular loan can take months to complete.

What is bridging finance used for?

Bridging finance is designed to help in a number of different ways:

1. To help people to purchase a property before they have sold their existing home. This allows the borrower freedom to continue with the purchase while also having the flexibility to sell the property when convenient
2. It’s very useful for property developers as they are able to use the loan to purchase the space and make the necessary refurbishments before selling the property to pay off the loan
3. Bridging finance can also be useful for renovations and home conversions
4. Using Bridging Finance at a property auction can be incredibly useful as you’re often required to put down a large deposit within a short space of time. If you haven’t sold your existing property yet, bridging finance can provide you with the freedom to purchase the property rather than lose it to someone else
5. If there’s a need to complete the transaction quickly. This might include property developers, who often have the opportunity to secure a great deal if they can complete quickly
6. If someone would like to purchase an uninhabitable property as traditional lenders will not lend on a property that does not have standard living facilities, such as a kitchen or bathroom, and running water
7. It is very useful for people who are downsizing their property and therefore, don’t need a mortgage. Bridging finance allows people to buy a property before their existing property is sold. Allowing them the option to move faster

What does it Cost

While bridging finance can be very convenient, it’s not necessarily the cheapest way to borrow.

Typically,

• Bridging finance comes at a high interest rate, normally in the range of 1-1.5%, which is higher than other bank loans and mortgages
• Fees for bridging loans can be expensive. Fees are usually in the region of 1.5% and are normally taken out of the loan
• There is also the possibility of broker fees, valuation, legal fees and early exit fees

While there are many benefits to bridging finance, make sure it’s right for your situation before applying as you will be able to find a cheaper deal by using a regular loan.

Fixed and Variable Bridging Finance

Similar to mortgages, bridging finance can be provided at a fixed or variable rate.

1. A fixed rate means the same interest rate is applicable across the term of the loan, so each monthly payment will stay the same
2. A variable rate means that the interest rate may change, so your bridging loan payments could go up or down

During the application, you may be able to choose to ‘roll up’ your interest which means you don’t have to pay interest every month but instead pay the interest at the end of the term. This may suit borrowers who cannot make the monthly payments.

You can also choose to ‘retain’ the interest from the loan amount in advance, to cover the interest payments. However, interest will still be charged on this retained amount.

How do I get it?

From any reputable bridging finance broker with a proven track record with the following accreditations:

Once you’ve selected a regulated bridging finance broker, you can usually apply online by completing a form, although some providers may require that you come in to see them. Aside from your personal details, information they need could include:

• The purpose of the loan
• The property details on which the bridging loan will be secured
• Loan amount
• Term of the loan
• A detailed explanation of how you intend to repay the loan (sale of a property etc.)
• How much finance or mortgage you have outstanding

What can Bridging Finance offer?

1. A straightforward, short-term lending facility that can be obtained faster than a regular bank loan.
2. Options that can solve financing requirements on all types of residential and commercial property transactions
3. Another option when high loan-to-value (LTV) mortgage finance is not available
4. The sum of money you’re entitled to will depend on your personal circumstances and those of the lender but borrowing is typically between £25,000 – £10,000,000. They can also offer two kinds of repayment terms:

Closed bridge: This is when the date of the loan repayment has been confirmed. This would suit a borrower who has a known date of when they will receive their money, i.e. though the sale of a property and so know when they will be able to pay off their bridging finance.

Open bridge: The open bridge will allow a proposed time period with a clear cut-off point when the loan will have to be repaid but there is no specific date. This is better for people who know they will come in to money at a certain time but can’t commit to a fixed date.

In addition:

The lowest rate of interest and an interest payment plan to suit you. Bridging loans often come at a high interest rate and with several other fees attached. Make sure you research lenders to find one to suit you

Consider the amount of time you’re borrowing for, if you need a longer term option then bridging finance may not be for you

Look for a lender that has worked on similar projects as yours. This can speed up the borrowing process

Conclusion

Bridging finance has grown in popularity due to its flexible finance options, however, there are still many potential borrowers who aren’t aware of how useful bridging finance could be for their needs.

This type of finance is now used around the UK for a large range of investment opportunities. This includes: buying property at an auction, commercial development, property refurbishment and developing properties to sell on.

Many lenders are now offering bridging finance from smaller amounts to much larger amounts meaning borrowers are able to utilise them for a vast range of short-term projects.

While interest rates can be higher with bridging finance and overall they aren’t necessarily the cheapest option, they can be incredibly useful in a range of business and property projects which makes them a valid option for a growing number of people for a vast range of purposes.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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