Downsizing? How to live large in a small space

December 11th, 2012 HIP-Consultant.co.uk Posted in Guest Articles, Mortgages 1 Comment »

Looking around my in-laws’ family home, it was hard to know where to start. Decisions as to whether to keep, throw or consign to storage had to be made on every single treasured item collected over the past forty years.

With three empty bedrooms and an unruly garden on their hands, their decision to downsize made perfect sense. Yet the reality of squeezing the contents of an entire family home into a lovely (but far smaller) bungalow was starting to hit.

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An Essential Guide to Buildings’ Insurance

December 10th, 2012 HIP-Consultant.co.uk Posted in Insurance, Top Tips No Comments »

Have you ever considered what would happen if your home was destroyed in a flood or fire? Would you have enough money to build your home back to its original state? As much as thinking about worst-case scenarios is often something we put to the back of our mind, by being prepared with buildings’ insurance for such disasters it could save you a lot of money and heartache in the future.

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Spotting Cracks in Your Home & How to Treat Them

November 29th, 2012 HIP-Consultant.co.uk Posted in Home Improvements, Insurance No Comments »

They appear in almost every home at some point or other, and if your house is a new build, you’ve probably noticed quite a few. But do you know the natural cracks caused by the slight movement of your home from the cracks that mean there could be a more significant problem than you first thought? In a lot of cases cracks become part of the furniture until you decide to decorate again, but by being able to identify and treat cracks, you could get to the root of the problem before it becomes anything more serious.

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Report asks landlords – Do you trust your tenants?

November 8th, 2012 HIP-Consultant.co.uk Posted in Insurance, Landlords No Comments »

Many would argue that for landlords, if you want to have peace of mind. We thought that we’d therefore conduct an investigation into the how trusting the relationships between landlords and tenants are.

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Do We Really Need a House Phone?

October 11th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Home Improvements 1 Comment »

In a week when the new I phone 5 was unveiled it proved a timely reminder that the house phone is becoming ever more superfluous. Almost everyone now carries a mobile phone and with smart phones they can do just about everything but cook your dinner! The final nail in the coffin for the landline seemed to come this year when statistics confirmed that texting is now the most popular form of communication ahead of actually ringing.

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Start Dealing with Debt Today

September 26th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Legal No Comments »

Being in debt can be one of the most frightening experiences there is. If you’re in debt you can end that fear – right now. Not tomorrow, not next week, not ‘when I get a chance,’ – literally in the next few minutes. Being in debt can mean a future full of uncertainty and worry so understanding how to start tackling debt can end all that and put you on the road to a debt-free life.

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The Perils of Payday Loans

September 18th, 2012 HIP-Consultant.co.uk Posted in Financial Products No Comments »

The adverts promise a solution to your financial worries, with the money in your account by the time your favourite show has returned from the break. Payday loans offer easy money so in the current economic climate it is no surprise to hear that the number of people using this service is on the rise.

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Learn more about Shared Ownership Schemes

August 18th, 2012 HIP-Consultant.co.uk Posted in Mortgages, Property Developers, Property Market 1 Comment »

The government’s shared ownership scheme is in place for those who want to buy a property of their own, but just can’t afford to. In these schemes, people are offered the chance to buy a share of their home, paying rent on the share that is leftover.

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Pre-paid Funeral Plans – good planning?

August 8th, 2012 HIP-Consultant.co.uk Posted in Financial Products No Comments »

Our own funeral is not something we all want to think about. However, funerals are expensive (the average funeral costs around £3000) and we do not want to leave our loved ones with a financial burden at an emotional time. That is why an ever-increasing number of people are taking out pre-paid funeral plans.

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First-Time Buyers guide to HomeBuy Schemes

August 6th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Mortgages, Property Market No Comments »

Looking to buy your first home can be one of the most exciting but most daunting experiences so far in your life. All this talk of deposits, mortgages and insurance can leave you feeling unsure, concerned and a bit like a fish out of water. That’s why it is vital that you understand each and every part of the house buying procedure so you don’t find yourself in financial difficulty further down the line.

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Lender Assisted Sales to Avoid Repossession

July 9th, 2012 HIP-Consultant.co.uk Posted in Mortgages, Property Market No Comments »

With a combination of falling house prices and rising unemployment, conditions are ripe for another sharp spike in repossessions. Only low interest rates are keeping repossessions in check at the moment but a rise of even a couple of percentage points, which is surely inevitable in order to control inflation, and a large number of families will begin to default on mortgage repayments. When they do, many will find they can’t sell their way out due to negative equity (they owe more on the property than it is worth).

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