Saturday, 4 March 2017

How to avoid headaches

  • Maximum of three normal strength coffees per day
  • Do not use analgesics on a regular basis
  • Keep windows open when indoors
  • Drink water regularly
  • Use natural personal care products
  • Use natural cleaning products in your home
  • Eat natural food - avoid E numbers, sweeteners, flavour enhancers, artificial colours, artificial preservatives, anything canned.
  • Avoid alcohol
  • Cut down on salt (ideally 2g per day but max 4g per day)
  • Get enough sleep
Failing that:
  • Try elimination diet
  • Seek medical tests

Saturday, 2 January 2016

Top tip for renting a property

  • A six month break clause is industry standard.
  • However, estate agents hate break clauses.
  • If the agent says the landlord has refused a break clause, ask agent to ask landlord again - be adamant.
See other tips on Buying a Property, Renting a Property and Selling a Property.

Advantages of moving to rented property before buying

  • Some people sell their home, move to rented accommodation for short time, and then buy a property.
  • When selling, this allows you to market your property as "chain free".
  • You can also accept a wider range of buyers (e.g. someone with an unsold house).
  • You can afford to wait a while if you don't get any offers you are happy with.
  • If house prices are falling, you may save money.
  • When buying, your offer will be more attractive as you will be "chain free"
  • If the house you buy needs building or decorative work, you can complete on the purchase but delay moving in until the work is complete.
  • If you are planning to move to an unfamiliar area, renting will give you time to assess the area before you commit to buying.
See other tips on Buying a Property, Renting a Property and Selling a Property.

Considering offers when selling a property

  • Some agents will make up fictitious (low) offers, to get client to lower the asking price
  • Insist that agent confirms all offers in writing
  • Buyers are ranked as follows (worst to best):
    • Buyer has property of their own to sell which is not yet on the market
    • Buyer has property of their own to sell which is on the market
    • Buyer has property of their own to sell which is under offer
    • First time buyer
    • Cash buyer
  • Before accepting an offer, ask agent to check they have mortgage agreement in principle in place and that they are in a position to move.
  • If not, keep the property on the market.
  • To test commitment of buyer, push them to have mortgage survey carried out asap after offer accepted.
  • If buyer asks you to take property off the market, agree a short deadline for exchange of contracts and make clear that property will go back on the market if their solicitors delay.
See other tips on Buying a Property and Selling a Property.

How to conduct a viewing when selling your property

  • Best to leave it to agents so that buyers feel comfortable poking around
  • If you do it yourself, show the best room first
  • Open doors to allow buyers to enter rooms before you
  • Have copies of particulars of sale ready to give to buyers
See other tips on Buying a Property and Selling a Property.

Tips on conveyancing when selling a property

  • Line up a solicitor as soon as you put your property on the market.
  • Tell them you want to do as much as possible now, to avoid delays down the line.
  • In particular, get them to prepare a sale contract asap.
  • Check whether the individual dealing with your property is going on holiday at any point in the next three months.
  • Ask them how long the transaction generally takes (to get an idea of their proactivity levels)
  • No sale, no fee deals encourage solicitors to work in your interests (i.e. getting the deal done)
  • Fixed fee deals are also good.
  • Once sale agreed, chase the solicitor regularly.
  • Avoid completing on a Friday (if there any issues causing delay, you won't complete until Monday)
See other tips on Buying a Property and Selling a Property.

How to deal with estate agents when selling a property

  • Once your house is up for sale, ask a friend to mystery shop the agent to see how well they promote it.
  • If unhappy, tell the agent you are going to market the property with more than one agent.
  • If they try to hike fees, threaten to sack them using your notice clause - most will back down.
  • Then go to other agencies and make sure you get the same deal from them.
  • Write up the ten top points about your home, and give it to the agent to refer to before viewings.
  • Keep in regular contact with your agent so they do not forget about your property and focus on others.
See other tips on Buying a Property and Selling a Property.