Why Communicating With Your Residential Park Solicitor During Your Case Is Essential

Stay Abreast Of All Negotiations In Your Mobile Home Purchase

The partnership between solicitor and buyer requires excellent communication for a smooth residential park home purchase.

Residential park homes are popular choices for those looking to live somewhere with an active community, particularly as you advance in years and wish to downsize to somewhere more manageable, yet still sociable. When you decide to purchase a residential park home, you’ll appoint a solicitor to carry out the conveyancing work, which can be a little more complex than a traditional property purchase. With this in mind, it’s important that communication channels are kept open at all times throughout your case.

Establishing The Best Method Of Communication

Clients have different ways of meeting with their appointed conveyancer – some will have visited in person, others will have secured their services digitally, or even provided details over the phone and signed paperwork to be sent back through the post. Whatever your initial method of communication when booking a conveyancing solicitor, it’s important that you establish the best way to get in touch with each other as your residential park case progresses. If you don’t have access to the Internet, then it’s probably best to request that all correspondence occurs by letter. However, it’s worth bearing in mind that if you’re looking for the sale of your residential park home to move forward quite rapidly, then email or mobile phone would be the quickest way to communicate.

Being Honest About Any Concerns

Your solicitor acts on your behalf in the purchase, but their hands will be tied if you’re not upfront about your expectations. For example, if you have a maximum pitch fee that you’re willing to pay, then your conveyancer will need to know your budget and any related information such as the going prices of neighbouring pitches, so that they’re armed with all the details necessary to approach a housing tribunal to secure you a better offer. Similarly, a local residential park solicitors Essex team explains that some residential park leases require that you’re absent from the property for a certain period of the year. If you need to negotiate on which months these are, or find out more details on how flexible this is, then be sure to keep your solicitor fully informed about your plans and preferences.  

Follow Up On Action Points

Even if you’re quite relaxed about your residential park home purchase, and don’t have anything pressing that you need your conveyancing solicitor to dispute for you, it’s still important that you make yourself available to answer any correspondence that is sent to you. Some of the documentation you’ll be sent, for example, the results of a survey, will require you to look through it and determine if you’re happy with the condition of the home. If you’re not, then you’ll need to raise this before the point of exchange. There may be other points that your solicitor has asked you to action, such as securing insurance before exchanging contracts. Failure to do so could be extremely expensive, so it’s essential that you follow the solicitor’s advice to the letter.   

Communication is key with any property purchase, but as residential park properties have slightly different regulations to traditional accommodation, it’s even more important that you stay well informed throughout the process. Make sure you choose a reputable firm of solicitors with extensive experience in the purchase of residential park homes.

The Hidden Costs Involved In Selling A Home

Budgeting For All The Extras In Your Property Sale

Selling your home is about more than paying for a removals firm. Remember to budget for these hidden extras.

With 84,490 UK property sales in June alone, Brits are on the move! But homeowners looking to sell need to be aware of the hidden costs that can eat into their sales profits. Here are some typical costs that need to be accounted for.

Energy Performance Certificate

It is mandatory for vendors to supply an Energy Performance Certificate when putting their property on the market. This allows potential buyers to understand the energy efficiency ratings of the home they may be interested in living in. Rated from A-G, with A being a highly efficient property and G having multiple energy usage issues, the EPC is conducted by external domestic energy assessors, but this can usually be arranged through your local estate agent. The cost of this requirement usually falls between £50-120.

Conveyancing Fees

Unless you come from a legal background, you’ll require the work of a professional conveyancer to carry out your house sale. Their services usually cost less than when buying a home, but it’s important to get a good deal on your conveyancing package, and ensure that you know exactly what it includes before you commit to a contract. As a guide, make sure you won’t be billed extra for postage, photocopying fees or phone calls. This should all be part of the flat fee that you’ve signed up for.

Mortgage Costs

You may be paying off the cost of your mortgage with your sale, or alternatively move it over to your new property. But in some cases, particularly if you’re using the sale as a change to re- mortgage or switch to a different product, you may be subject to an early repayment fee, as well as arrangement and product fees for your new loan. A financial advisor will be able to provide you with advice on the best way to avoid extra costs. However, it’s worth bearing in mind that many of these fees can be tagged onto the cost of the overall mortgage, or are payable at the end of the term.

Preparing Your Home For Sale

To stand the best chance of attracting potential buyers to view your property, homeowners often feel motivated to investing in some cosmetic upgrades to help encourage viewings. But such works can add up, whether you’re looking at a DIY paint job, or replacing the carpets, so be careful to seek advice from your estate agent during the valuation stage as to whether a little extra work will really add anything onto the asking price. Most homeowners would rather save their money to upgrade their new home, rather than the property they’re leaving behind.

Choosing Your Estate Agent

With so many hidden extras to account for during the house selling process, it’s important that you choose an estate agent who can get you the best price for your property. Although some sellers are tempted by the low fees charged by online agents, the reality is that complaints to the Property Ombudsman have risen by 63% in a year due to issues with transaction handling and timescales. As a result, homeowners are ditching the online agents they’ve already paid for and are switching to traditional high street agents instead. If you’re selling your Essex home and register with a local Chelmsford estate agent, then you’ll pay a flat fee for them to market your home, conduct viewings and handle all negotiations.

Now you know all the costs involved with a house sale, you’ll be able to make a budget and talk to your estate agent about how much you can expect to market your property for. Then it won’t be long before the offers are flooding in!

The Main Falldown Of Hygiene In The Workplace

Cracking Down On Substandard Hygiene Habits

Educating your staff on the importance of positive hygiene is essential, but employers will also need to provide resources to encourage cleanliness.

With 11% of young office workers admitting that they don’t wash their hands at all after going to the toilet, the repercussions for colleagues in the same workplace are extremely worrying. From hotdesking environments to shared kitchen and bathroom facilities, everyone working in the same office environment is at risk if substandard hygiene habits are allowed. The question is, what to do about this issue?

Improving Bathroom Hygiene

A survey of 5,000 respondents found that only 61% of workers were washing their hands correctly after a visit to the bathroom. A further 18% only carried out a quick wash, whilst 14% occasionally wash and the much more concerning 7% bracket of workers of all ages admit that they never wash their hands at all.

Although there should be no excuses for workers failing to wash their hands, only a basic level of hygiene will be achieved if organisations don’t supply adequate methods of sanitisation for their workers. Employers are required by law to provide sanitary bins in each female bathroom, but can provide a cleaner environment still by including air and toilet seat sanitisers, sanitary dispensers for wrapping used products in, liquid soap dispensers and hand dryers. A washroom hygiene company is able to supply all of these, so you don’t have to source individual items to kit out your bathrooms. Without these features your workers may resort to using bars of soap or hand towels which are known to harbour germs.

Establishing Best Practices

Whether the reasons for this relaxed approach to toilet hygiene stem from general laziness, or a lack of knowledge about infectious diseases, it comes down to HR to educate workers on best hygiene practices to ensure good health is maintained amongst the workforce.

HR should begin by writing a section contained within their staff policies or handbook to define what is expected in terms of cleanliness. This should be distributed to all members of staff with full information on the resources available such as soap dispensers, or the location of sanitary bins so that everyone has access to all the facts. If there is an individual who is known not to abide by the rules, then it may be necessary to train managers to have difficult, yet discreet conversations about this important issue.

Hotdesking Germs

Once you believe that you’ve improved hygiene in the bathroom, it’s time to tackle the spread of germs in the rest of the office. Hotdesking has become more popular in recent years, as business owners are believed to save 30% in costs by taking static desks away from workers who may travel or be based in multiple locations. Whilst hotdesking may work in terms of efficiency, it’s not great for hygiene. A survey of 100 workers over a four-month period found that bacterial contamination was 18% higher, with a significant 41% increase in activity on the computer mouse, after hotdesking was introduced. Providing workers with their own swabs to be used as soon as they’ve finished with the desk, can help to reduce the spread of bacteria.

Remember that it only takes one employee to disregard healthy toilet hygiene for it to have a knock-on effect to the rest of your team, particularly when hotdesking or using communal workplace facilities. Begin by using a managed washroom services package to combat poor hygiene practices in the bathroom, provide swabs for any shared desk facilities and make sure staff are trained on the importance of staying clean and healthy.

A Guide To Buy-To-Let Mortgages

Making A Success Of Your Second Home Investment

Why not join 2 million British second homeowners and use monthly rental income as a solid investment strategy?

With news that second homes are now worth almost £1 trillion to Brits, there’s an understandable urge for single residence homeowners to branch out and get on the buy-to-let investment ladder. Since 2001, there has been a 50% increase in the value of buy-to-let and overseas investment properties, which was priced at around £610 billion 18 years ago. In response to the increased demand, lenders have produced 15 times as many specialist buy-to-let mortgage products since the turn of the millennium. The following guide will help you understand how to get started in the second home investment world.

How Buy-To-Let Works

Essentially, a buy-to-let property involves you purchasing accommodation with the intention of renting it out to tenants as an investment opportunity. Alternatively, you might have decided to move out of your existing property, but keep it instead of selling it, allowing you to let it out to cover the repayments. In this latter scenario, you’d need to inform the lender and switch mortgage products to the buy-to-let model.

Understanding Buy-To-Let Mortgages

Much like a traditional mortgage, the loan is taken out and secured against a specific property. But as a landlord, you’ll need a good credit history, a solid understanding of property investments and be able to take on the risk of investing. Buy-to-let mortgages usually require you to have a minimum deposit equal to 25% of the offer price of the property you’re purchasing. You can also expect these products to have higher interest rates and fees in comparison to traditional mortgages.

What Will Lenders Look At?

Lenders are required to assess any loan applications on the basis of whether they represent a risk to them – so, buy-to-let applicants should have a strong credit history. It’s also important to demonstrate how you’ll be able to keep monthly repayments up if there is a break in rental income, for example if one tenancy term comes to an end, and you struggle to find new tenants to move in. As a result, most buy-to-let products aren’t available to applicants who earn less than £25,000 per annum. However, age can also be a factor, with an upper age limit in place which is typically between 70-75 years old. This means that if you’re 45 and you take out a 25 year buy-to-let mortgage, then the term would end when you’re 70 years old – most lenders won’t go much beyond this age.

Interest Or Repayment

Many buy-to-let mortgages are taken out on an interest-only basis, and a remortgage brokers Wirral team explains that you’ll be required to pay back the amount borrowed in a lump sum at the end of the term. This allows you to maximise your monthly return, with the assumption that the property will be worth far more than you initially paid for it at the end of your mortgage buy-to-let term. However, opting for a repayment mortgage allows you to pay back some of the capital each month and safeguards against any dips in the property market.

Navigating the world of buy-to-let mortgages can be complex for newcomers to the market, and one of the main questions that potential buyers have surrounds the topic of affordability. A professional mortgage advisor will analyse your individual circumstances and find an ideal buy-to-let product for you.