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What to do in Manchester


By on Nov 4, 2013 in Manchester |

Manchester is a beautiful city in Greater Manchester, England. With a population of approximately 520,000, and an area of 115.6 km², Manchester is brimming with life and activity. There’s a lot to do in Manchester, and below is a simple list of the most common choices: Take an open bus tour. One of the main attractions in UK, an open bus tour provides a stunning sightseeing experience, unparalleled anywhere in the world. Visit one of Manchester’s many parks and squares. A great option for those looking for some peace and quite in a metropolitan city, Manchester has 8 main parks that are worth checking out, at least. Check out the night life. As with any large city, Manchester’s nights are thriving with activity. There’s too many pubs and clubs to set up a proper list, but going out at night is definitely worth it, no matter how much of a morning person you are....

Tips for buying a home

By on Oct 28, 2013 in House & Home |

Purchasing a home is one of the most important moments in our live’s. There’s a lot to consider, and a lot of things that could go wrong, so here’s a short guide to help you make this important decision: Calculate how much you can afford to spend. Although this seems fairly obvious, many people start searching for a home without the slightest clue of how much it will cost them, and whether they can afford it. This usually leads to foreclosures, which is never a good thing. Consider a mortgage. If you have the funds to buy a home without having to resort to loans, well, that’s great. But the sad fact is that the majority of us will need that mortgage loan to buy our first home, so spend some time to research what a mortgage is and look for the best offers. Choose your home carefully. Consider everything: location, price, convenience, neighborhoods and even simple...

UK housebuilding surge

By on Oct 13, 2013 in House & Home |

The rate at which homes are being built in the UK is at an all-time high this year. With the introduction of the Help to Buy scheme and the rapid increase of available home’s, we’re looking at a situation where the housing market of the UK may finally recover to what it was before 2008. The current figure for residential construction is 64.8, the highest it’s been since 2003. What does this mean for us, though? As more home’s are built, the volume of supply will increase, forcibly lowering the average house price as per economic laws. Combined with the Help to Buy program, we may just see an affordable house market appear in UK for the first time in over half a century. This tendency is further supported by the government and some of the largest housebuilding companies in the UK. Barratt, the current leader in housebuilding in the US, has stated that they intend...

The best and worst local house markets of the UK


By on Sep 27, 2013 in House & Home |

With mortgages becoming more affordable, the question arises of where to buy? The best area’s to buy homes are, as of August 2013: Belfast Hull Dudley Middlesbrough Bradford Stoke-on-Trent Sunderland Salford Glasgow Birmingham The worst places, however, are: Chichester Oxford Guildford Brighton Exeter Winchester London Cambridge Chelmsford High Wycombe This is calculated based on property prices, as well as supply and demand. Property prices are at an all time high in Chichester, for instance, whereas Belfast’s housing market is thriving. All things considered, few people choose where to live based on where homes are cheaper, but, theoretically, it’s much more reasonable to live in Belfast than in Chichester, at least at the moment. The sad fact is that real-estate is still too expensive in the UK, and even the government-introduced Help to Buy program won’t fix...

Manchester and football


By on Sep 17, 2013 in Manchester |

Manchester is widely renowned as a city of sport in general, and football in part. Manchester is home to one Premier League football club - Manchester City, and another – Manchester United, bears it’s name. Football plays an important part in the city’s culture. Think about the first thing that springs to mind when you hear the city’s name. Of course you think of football, and that’s not surprising in the least. With one of the largest city supporter clubs in the world, Manchester’s infrastructure is well prepared to handle any number of fans. Manchester stadium seats 47,805 people, and is the twelfth-largest stadium in the UK. Few things in this world are as impressive as the city’s atmosphere during a match. The sheer volume of fans’ is, in itself, astounding. Living in Manchester automatically makes you a football fan, even if you just...

Help to Buy

By on Aug 19, 2013 in House & Home |

The UK government’s Help to Buy program is aimed at aiding the recovery of the UK house market by providing equity loans for homes worth £600,000 and less. There are two main policies in the Help to Buy program. First, Help to Buy offers loans of up to 20 per cent for any and all real estate worth up to £600,000. This loan is interest-free for 5 years, with a 1.75 per cent annual fee afterwards (subject to change as per inflation). Next, it will allow potential buyers to borrow money with just a 5 per cent deposit of the property’s price (assuming the property is valued at less than £600,000). Example For a property worth £200,000 Amount Percentage Cash deposit £10,000 5% Equity loan £40,000 20% Your mortgage £150,000 75% This loan is open to both first-time buyers and homeowners, which is supposed to increase the demand for property throughout the country. There are,...

Education in Manchester


By on Jul 7, 2013 in Manchester |

One of the most important things to consider when choosing where to live is, without a doubt, educational infrastructure. Whether it’s for your own sake, or for the sake of your children, education is incredibly important. So, let’s have a look at education in Manchester. There are over 170 primary and high schools in Manchester, a large number of which are withing the UK top 5%. There’s also a decent non-school educational infrastructure in place in Manchester, with plenty of personal tutors available for your children at decent market rates. Manchester is also home to three universities: The university of Manchester,Manchester Metropolitan University and the Royal northern college of Music. There’s a total of 73,000 students between these 3 universities at any moment in time. The combination of these two factors makes Manchester an excellent city of choice for...

A buyers view on mortgages


By on Jun 30, 2013 in House & Home |

By definition, a mortgage is a loan secured by real property. This means that should a borrower prove unable to pay back the loan in time, he or she will forfeit the property they used to secure the loan (this process is known as foreclosure). This tool is commonly used by potential buyers to purchase homes, since not everyone has the financial capability to pay the entire cost outright. The opinion on mortgages is controversial. Although it is indeed a highly convenient credit tool, and, for many people, the only way to purchase property, it’s highly reliant on one’s ability to pay the loan. The risk of foreclosure is always there, and losing property that you spent years paying for isn’t a very desirable outcome. Still, millions of people throughout the world turn to mortgages when the time comes to buy a home. It’s understandable, though. Why rent property...