Nottingham Estate Agents

By Merry Blinds

To sell your home most people use the services of an Estate Agent. You can of course do it all yourself but most people won't have the time, knowledge or confidence to take on such an important task themselves. That means that estate agents can almost do anything they want once they have you as a customer - you are unlikely to go anywhere else after all. One estate agent that goes the extra mile to ensure satisfaction, however, are Elite Homes UK.

Elite Homes UK, based in Nottingham, are a fairly new estate agent but with experienced owners and staff who can offer a more personal service for you. They specialise in offering a bespoke service for higher end properties. Whether it be house to buy in Nottingham or houses to let Nottingham, Leicestershire or Lincolnshire.

They offer houses to buy as well as houses to let in Nottinghamshire, Lincolnshire and Leicestershire, and are very focused on selling your house for you if that is your requirement.

What will you do differently to the other estate agents to sell my house? "We have a more professional and bespoke service, not necessarily using the same methods each time. We may be able to make a phone call to one of our database and sell your home the same day, for example. In general though, our marketing is better, with professional photography and page layouts on the important websites, such as Rightmove.co.uk."

Will you keep in contact with us regularly? This is often a major issue for many clients. They simply want to know what is going on but shouldn't have to chase the estate agent to get the information. At Elite Homes UK we give weekly updates by telephone, can send text messages and send the Rightmove reports regarding page views of your property etc. Something we are very proud of is our new "My Elite" accounts page. We give you your own page on our site, so at any time of the day or night you can log in and see your notes. This will include feedback on any viewings, brochure request and so on, but this really removes the issue of communication as you can check anytime you like.

How much can you sell my house for? "We will give you a fair market value rather than try to up the price to gain your business. We are different to most estate agents in that we can also offer you a House Doctor Service. If we spot something that will obviously help you raise your properties value we will tell you. The Service is free, so if you would like the full House Doctor report just ask. - 31386

About the Author:

Elite Homes UK would like you to be their next success story, whether you are buying, selling or renting. If you have a house for sale / rent then visit their website at estate agency Nottingham.

First Time Home Buyer's Guide to the Second Showing

By Malinda Lal

Buying your first home can be full of challenges and you will need to conduct extensive research without the help of a real estate agent in order to make the best decision. One of the most important steps to buying a home involves the showing; ideally, you should set up at least three showings per house to get a really good feel for the home and ask all necessary questions. The second showing is the best time to check the house for simple physical defects and make note of all the drawbacks as you examine each area of the house.

Ilyce Glink, author of the book "100 Questions Every First Time Home Buyer Should Ask" encourages first time home buyers to reconfirm all the things they found appealing during the first showing and to try and spot problems as early as this stage to save time and money later on the home buying process. Some of the key things to look for during the second showing include:

Checking the roof. Ask the agent or owners how old the roof is, and what types or repairs or renovations have been made. Roofing costs can be extensive, especially on an older home, so it's a good idea to learn what type of investment you may need to make with the property in the near future.

Checking for signs of wear and tear in the interior. Look for cracks on the walls, creaky floorboards or shaky stairs as you walk through the home. While touch-up work may not be too costly, you should still have a strong understanding of the extent of damage.

Check the mechanical systems. Are all the heaters and furnaces functioning well? Is there any sort of insulation that is installed? Get all the details you can about the mechanical system so you can make provisions for repairs or replacements.

Do an assessment of the area. Check out the front and back view of the place. Do you like what you see? What is the noise level? These details can only be derived by actual observation and is needed to be done so you will have an idea about the area you will be living in.

Check for pests. Do you see any tell-tale signs of rats or termites? Are there roaches or other bugs? Find out if the house is infested with pests and if the property owner has done any pest control so that you won't be walking in this kind of problem unprepared.

Visualizing your daily activities. Can you see yourself cooking in the kitchen or watching television in the living room? Will your furniture fit easily in each area? Try visualizing the things you do every day as if you are living in this home and see if it truly 'feels like home.'

Time spent wisely during the second showing to do the necessary preliminary inspections will already help you trim down your choices. Having a list of the things that you have observed will greatly aid you in deciding which house to buy when you sit down to make your final decision. - 31386

About the Author:

Looking for MN Homes for sale? A great resource for searching properties online is the Minnesota MLS, which enables you to search by price, neighborhood and several other criteria.

What You Need To Know About Changes To Canadian Real Estate Regulations

By Darlene Strang

If you are hoping to invest, Canadian real estate is a topic which may interest you greatly. You may be surprised to learn that some key differences have come about in the recent past and that will occur in the near future that may radically change your ability to purchase properties. These include mortgage changes and taxation differences. Keeping on top of them can help you prevent costly mistakes that can set you back months or even years.

Some of these changes have been brought about by the CMHC. The CMHC is the ruling body that basically sets lending practices for mortgages in Canada. They provide mortgage insurance and set housing related policies. Because they provide mortgage insurance for lending institutions, if they determine that lending practices have changed, many banks will go along with the decision. There are times that this has benefited people who want to invest in homes and commercial buildings as well.

One of the programs that was very popular was the no down payment mortgage. This allowed first time property buyers to avoid finding the five percent of a property's purchase price that was originally required. In fact, it was this lack of a down payment that allowed many people to afford their first property. Because of this, many people jumped on the purchasing band wagon and managed to finance their first property.

The mortgages were similar in many ways to mortgages in the United States. When many of these homes were foreclosed on due to questionable lending practices, this threw the practice into question. Unfortunately for many home buyers, the ability to purchase a house with no down payment was canceled by the CMHC in October of 2008. It is worth mentioning still, since many people are unaware that it is no longer available as an option. Buyers must now generally put down five percent of the cost of the structure as a down payment. There are individual banks which may offer different terms but these may be hard to find.

The ability to amortize your mortgage over a longer time period has also ended. Typically, buyers will choose to finance their properties over a twenty or twenty five year period. For a time, it was possible to amortize your purchase over a forty year period but this is no longer an option. The CMHC canceled this program at the same time as it canceled zero down payment mortgages. This may end up causing problems for people who are trying to buy into markets where purchase prices are much higher. Cities such as Vancouver and Victoria on the West Coast have very high land prices. Many people cannot afford to purchase there with a standard twenty five or thirty year mortgage.

The first two changes occurred on a national basis but there is a major change that will affect Ontario residents. In July, 2010, Ontario will be adopting a harmonized tax that combines two current separate taxes. This means that buying a home will suddenly cost eight percent more.

As you can see, some of these changes may significantly affect your ability to buy or sell a property in Canada. Educating yourself as to the best choices for you and how changes actually affect you may be the only way that you can prevent making costly mistakes that can affect you for years to come. - 31386

About the Author:

From information see the Condos in Edmonton site for more on real estate news, great properties and buying and selling advice from Edmonton's top Realtor.

Calculations Before Applying for a Mortgage

By Darlene Strang

Before you begin looking at purchasing a home, it is important to consider your debt to income ratio. This is one of the first things a mortgage lender will look at when apply for a home loan along with your current credit rating (the ratio also has an impact on your credit rating).

The ratio is based between how much you owe each month on personal debt and how much you earn. The ratio gives you and your mortgage lender the percentage of debt you owe in relation to how much money you are making which gives the lender an idea of how much of a mortgage to give you that suites your financial state.

To arrive at your particular debt to income ratio, take all your monthly payments, such as: insurance, car payments and credit cards, and leave out groceries and utilities. Add them all up including your potential mortgage and home insurance payments and then divide them by your take home salary.

Keep in mind that the majority of home loan lenders will leery of approving a mortgage loan if it brings your debt to income ratio above 36%. If you are above the average be prepared to have you application denied or pay higher interest rates.

Note: You will want to make sure that your total expenses for your household remains under 28 percent of your gross monthly salary. Though there some mortgage lenders that will make an exception based on your credit history and ability to repay the loan, keeping your expenses under will help the application process. Once you have determined the amount you are willing to spend it is time to be pre0approved for a mortgage and star looking for a home with your realtor.

Debt to income formula: *Minimum monthly credit card payments: + Monthly car loan payments: + Other monthly debt payments: + Expected mortgage payments: *Total = *Your debt-to-income ratio is: *Your total by your monthly gross income = - 31386

About the Author:

Ready to purchase or sell a home or Edmonton condo in Northern Alberta? Contact Darlene Strang for assured success. Your personal Realtor for life and Condo specialist, Darlene Strang.

Sell House Fast For Cash Without Any Charges

By Torino T. Temkiwz

What happens at times to property owners is that suddenly they are responsible with having to sell their houses quick for fast cash. They are now stuck between a rock and hard place and have to work things out. The scenarios are countless that a home owner might encounter that will require a quick sale of his or her property.

Divorces where couples are forced to split up assets as to court orders are a significant cause folks will have to dispose of their homes for quick cash. Loss of jobs and job transfers is another principal cause. And not to reference the countless other scenarios house owners might find themselves in that will force a sell.

Regardless of the situation necessitating the fast sale of the place, the fact remains that it needs to be sold quick. Now the questions that beg to be answered are, what professionals do you have to get hold of to help you and what kind of costs will it all require. I will answer those questions and more just keep up through reading this article.

If you feel overtaken about all this, relax these sort of transactions are pretty darn easy. I'll display to you the measures to take, which need minimal effort and if executed as they are laid out will get your house sold in more or less a calendar week and give you cash in hand.

First things first, finding out what your house will assess for. Don't have the slightest clue how much your house is valued or where to find out? Finding this out is super easy so don't sweat over this, I will show you where to get it.

You're going to have to contact a real estate agent in your city and speak with them. You shouldn't have any issues contacting realtors, use common sense, use your computer or printed papers. The broker don't matter, it could be a well known name or something just local.

Let them know you are just looking into selling your home and you would like some information on your local real estate market. Tell them to email you some comparables to your home as well as active listings of places similar to yours.

Make sure you ask for several of each, comps and listings. We want to stay as close to our house as possible with our comps and listings.

Real estate agents will be tending to provide you with this information because you're a likely client. One more matter I want to state here. Do not permit the realtor to talk you into selling your house through them.

Now that we got the information from the agent in hand. Next step is to merely analyse it to price our house for a quick sale. And what is that price that will get us a quick sale then?

That price is found out by acquiring the lowest comp and the lowest listing from our lists. Having separated these two numbers from the rest. They will suffice as your ceiling price that you must not go over, with your offering price.

By pricing it in this fashion we are secured of getting a quick fast cash sale. And after all this is what we want.

All that remains now is to find ourselves a cash buying investor that wants to purchase our house. Finding a cash buyer is the easiest part of the process. These guys are all over internet or you can get in your vehicle and go looking around town for we buy houses cash or I buy houses cash signs or signs that read similar and call them. These are your cash buyers right there just anticipating to hear from people like you.

The primary thing for a rapid sale of your home to happen smoothly is going to be in how good of a deal you are prepared to give to a cash buyer. If you are attempting to pull all this off and offering only full price for your home, you can forget about selling your house fast for cash because it's just not going to happen, period.

Hopefully with everything that I have presented here you should be well on your way to getting your home sold quick for cash. - 31386

About the Author:

Has your home been on sale forever that your hair is turning grey? Are you supposing, "you know I am going to take action and let it be known that I am selling a house fast at a discount to a cash buyer so I can finally pay the debts I owe".