Moving tips | help and advice on Packing boxes

Thursday, 25 September 2014

New Mortgage Rules UK: Will They Trouble You?

Back in April 2014, tougher lending rules were introduced throughout the United Kingdom in order to ensure that banks and lenders no longer over-burden borrowers.

One of the causes of the great recession we’ve just emerged from was borrowers taking on more debt than they could realistically repay – especially with fluctuations in interest rates. Just a small increase in interest rate led to huge increases in repayments, which some borrowers defaulted on.

new-mortgage-rules-2014, Will they worry You?

The new rules look at your total cash flow – and take into account how much money you have “spare” each month when your fixed monthly costs are taken into account. Things like credit card repayments, car finance repayments and even haircuts are being factored into the equation. Now banks will only approve mortgage applications if they’re absolutely certain that the borrower can repay what they owe, without difficulty.

Of course things change, people lose their jobs, and others go on to work their way up the career ladder – increasing their income at the same time. The new mortgage checks won’t stop people defaulting on mortgage repayments altogether, but they’re designed to prevent reckless lending – and promote responsible borrowing.

Lenders and experts are advising would-be borrowers to get their finances in order before applying for a mortgage, that also includes devising a realistic monthly budget that can be supported through bank statements and pay slips. While in the past lenders carried out limited affordability checks on borrowers, the onus is now on them to ensure that borrowers can afford to repay mortgages; otherwise they face large fines and other sanctions from the regulator.

If your finances are in order and you have a monthly budget devised, then the chances are that these new rules won’t trouble you, should you apply for a mortgage, buy and move into your new house. You also will need to be able to demonstrate that your income is sufficient to meet the repayments and other bills that you have to foot before a lender will approve your application, however. Yo

Thursday, 18 September 2014

Removal Tips To Make Your Move Go Smoother

Moving house is always stressful. In this post we’re going to look at three great tips that will help your big day go that little bit smoother!

tips-for-a-smooth-house-move

Stock up on boxes from your local supermarket

It’s amazing how much boxes cost if you buy them online, or even from your local packing or stationary shop. One of the best places to pick up boxes for free is from your local supermarket – supermarkets give boxes away because in a lot of cases it costs them money to dispose of them, or to have them taken away to be recycled. By giving them away to customers they can kill two birds with one stone – they can make you happy, and save money! If your local supermarket doesn’t have any boxes out for you to take around the till area, be sure to ask a member of staff, the chances are that they’ll have a mountain of boxes at the back of the store waiting to be crushed or taken away.

Pay the charity shop a visit

You might not like the idea of “de-cluttering” or giving away some of your possessions – but by taking less “stuff” you can make your moving day a lot easier. Do you really need all of those clothes in your wardrobes and drawers? Do you need those rusty bikes in the garage – or even that broken furniture that’s stashed up in your loft? Be objective, be realistic and be honest with yourself. There’s no point hoarding things you don’t need because it’ll only cost you time and money when moving them to your new home. A new home should represent a new start – so get rid of things you don’t need. Of course you might not want to give everything away to your local charity shop – if you’ve got items of [real] value, why not list them on eBay or Gumtree? You can even make a bit of extra money to help ease the financial burden of your move!

Keep important documents with you at all times

When we say “important documents” we’re referring to things like passports, birth certificates, marriage certificates and so on. The number of people who throw these things into boxes then forget where they’ve put them is truly mind-boggling. You can buy big metal document stores in supermarkets and stationary shops – put all of your documents into one of these, lock it with a key then put it into your car boot on the day of the big move. Don’t run the risk of losing your most important documents – some are irreplaceable, while others can be replaced but at a huge cost.

There are lots of things that can go wrong on your bid day, but by following these three simple tips you can save yourself time, money and worry – as well as a lot of sweat and tears if you manage rid yourself of the clutter that you no longer want, need or use.

If you would like any help or advice on Moving House or wish to book our estimator for a quote on your removal please call 0800 146 086 or simply fill out our on-line quotation form and we will promptly reply with a quotation for your removal

Tuesday, 2 September 2014

First Time Buyer Figures Hit Seven Year High in the UK.

As the UK emerges from recession, one of the best indicators to measure the strength of the economy is to look at first time buyer figures.

Increase in first time buyers in the UK

A recent article on thisismoney.co.uk discusses newly acquired figures from July 2014, these figures show that the number of first time buyers has increased for the first time since August 2007 – before the property bubble burst as the country headed into recession.

First time buyers are finding that the deposit needed to secure a property has decreased by around £3,000 on average – but most first time buyers are still coughing up a deposit of over £26,000 in order to be accepted for a mortgage, and to land their first home.

Although some statistics point to the housing market picking up, other figures released by some mortgage lenders point to a slowdown in the amounts of money that they’re lending to buyers. These reports of decreased lending suggest that the property market may slow down once again in the near future.

There are various theories circulating as to why more first time buyers have been able to enter the market, with the most likely reason being the increase in government backed assistance for buyers thanks to the Help To Buy Scheme. This scheme offers higher loan to value mortgages for buyers, allowing them to purchase and move into a property with a much smaller deposit – sometimes of just 5%.

As the country continues to witness financial growth following on from the recession, many experts and observers are calling for buyers to be aware of the potential increase in mortgage costs, when the Bank of England increases the base rate. With buyers spending a higher proportion of their income on mortgage repayments, even a small increase in the base rate could lead to significantly higher mortgage repayments – which can in turn lead to financial difficulties.

Friday, 9 May 2014

Packing Tips | Moving house ideas | Moving Tips

Get organised with a little planning to make your removal day run smoothly

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Here at Dee Dee Moving we know the stresses and strain of moving house, we have been moving individuals, families and businesses to their new homes and properties for over 30 years.

Moving Home consists of Packing and transporting often thousands of different objects, each of different value, shape and size, from one location to another. Given the stress of selling, buying and renting homes, it’s no wonder that people often give little time to thinking exactly what will or will not be moved to their new home.

Take a long hard look at what you really want to keep and what you’ve kept for years passed its usefulness. You may be able to sell them and taking less may reduce the removal charge.

Draw a Floor plan of your new home -

Draw a floor plan of your new home and name each room so that it can be identified by our removal crew that way items will be delivered to the right location.

Labelling Furniture

Clearly label particularly large items and mark on the floor plan the position you want them in, in a particular room.

Don’t use boxes that are very large,

don’t overload boxes, mark on boxes what is in them, mark on the boxes in which room they are to be left and finally mark on the boxes information such as ‘fragile’ or ‘this way up’.

Packing Tips

: moving-house-help-ideas

Our strong advice is that you get Dee & Dee Moving to professionally pack for you, however, if you decide to self pack, have an area set aside where items that you are going to personally transport to your new home are kept, along with cartons, bags and cases into which they will be put.

China & Glass - Line the carton with shredded newspaper and wrap pieces individually in tissue paper. Mark the box ‘Fragile’.
Books - For weight reasons, rule is no more than 30 books to a carton.
Plates, Records & CD’s - Stand on side, do not pack flat.

Dee Dee Moving has come up with a price guide in the Removal Company costs, these prices are guide line prices only as all of the above have to be taken into consideration. MOVING HOUSE PRICE GUIDE
just to help you keep on track on what needs to be done and check listing what's already done.

Printable Moving House Checklist UK

Dee Dee moving can also offer extra services for:

If you would like to know the full Removal Price or would like more information any of the services we offer there are a number of ways to contact us below or speak to a member of staff on freephone 0800 146 086.

Please find below a list of other useful websites that may be of further help