In order to find the best mortgage for you there are certain steps you can take to get you there.

Shop around and compare costs of mortgages and use their online calculators that can help indicate whether you are a viable candidate. Whether you have bought your property from a high street or online estate agents, they may be able to offer some advice about lenders or give some recommendations.
Seeking help through an independent financial advisor (IFA) can really be beneficial as they can search the whole market and obtain a list of mortgages that are suited to requirements. However, some of the best deals are only available directly through the lender so you should still do your own research.
When you search for mortgages, be sure to look into the total costs and not just the headline interest rate. You need to take into account all the fees you will have to pay before deciding to take the mortgage.
Avoid mortgages that have early repayment charges after the initial rate has ended. This way, you will not be able to switch providers without being liable for a charge. Also avoid mortgages that add the arrangement fees onto the mortgage and try to pay this out of your savings upfront, otherwise this will mean you will be paying interest on this amount as well as the mortgage amount.

If you are yourself selling a property and have asked an online estate agent to “value my home” you will be in good stead to know your budget and financial requirements for your new mortgage. It is also important to have a good idea of what type of mortgage you will be looking for, whether it is interest only or repayment, fixed or variable rate.
Fixed rate mortgages are easy to budget for, as you will pay the same monthly amount until the end of the agreed fixed period regardless of the interest rate changes elsewhere. Variable rate mortgages follow the lender’s standard variable rate, so your payments will reflect the change in the interest rates at the time. Tracker mortgages however track the Bank of England base rate which also means you will experience differing payments.
You also have other features to consider like cashback, where a mortgage deal will give you a sum when you take out their deal, but you should factor this into the overall cost of the deal before choosing one of these products.
Flexible mortgages let you over pay and under pay throughout the term duration, take payment holidays and make lump sum withdrawals. This means you could pay your mortgage off early and save on interest. Other types of flexible mortgages include offset mortgages, where your savings are used to offset the amount of your mortgage you pay interest on each month, and current account mortgages combine your account, savings and mortgage all into one so all your credit balances offset your mortgage debt.

The array of mortgages available can be quite daunting, but by seeking the correct advice and shopping around can certainly land you with the best mortgage deal.

A lubricant can be purchased in either liquid or spray form and is a great thing to keep in the garage given that it provides a simple solution to a squeaky hinge, a stuck nut, or a sliding door that has started to show some resistance. Some lubricants come in cans that make it easy to spray onto the trouble spot such as WD40. Before heading out to get any DIY supplies you should be aware that any surfaces that are made of vinyl, wood, or rubber will need a lubricant that contains a high value of silicon.

On the other hand, when you are looking at adhesives you will need to pay a bit more attention to what you intend to use them for as every surface will require a different type of adhesive, and super-glue is not the ultimate solution to every need. The most versatile adhesive is white glue which can be used on leather, wood, paper, cloth, or cardboard. However, you should never use white glue when you need a substance that is water resistant, which is why you may need to do a little more DIY supplies shopping.

Another factor to be aware of is how quickly the glue will bond to the surface you are working with, since some adhesive DIY supplies will instantly bond and others will require you to press on a surface for a substantial amount of time. Keep this factor in mind when working with a substance so that you can choose the right type for the task in front of you.

People often overlook the benefits of wood flooring, discounting it due to the expense and the effort of maintenance. However, those who have never experienced wooden floors before are missing out on a great economical, durable, hygienic and easy to maintain option.

Wooden flooring comes in three main varieties, real wood, engineered and laminate flooring. Each offers its own style and character but all share the same benefits.

Contrary to popular belief, wooden flooring does not have to be expensive. Modern production methods now mean that some types of flooring can be produced cheaply making wood floors available to all budgets. Cheaper laminate flooring still offers an amazing look and finish and with the ability to select bevelled options, it now also looks just like the real thing.

Good quality wooden floors can last a lifetime, unlike carpet which often needs replacing every 5 to 10 years due to stains or wear and tear. Wooden floors can often look better with age and offer a fantastic stain and scratch resistant surface. Hygiene is also a key benefit of wooden floors, eliminating the hidden germs and dust mites that often reside in carpets, and instead offering a clean and easily maintained dust free option. They do not trap in unpleasant odours from pets or spills so offer a fresh and clean alternative.

One thing that can be done is to find a surveyor in your local area, this can be done easily by going to a search engine and searching for example, chartered surveyors Essex. Once a reputable surveyor has been found that offers landlord and tenant services contact them and they will be able to carry out surveys on the property which will provide a detailed assessment of the property’s condition from which the landlord can make the necessary improvements which in turn will rationale increasing the monthly rent.

Following this a bit of hard work in decorating the property can also warrant having a slightly higher rent. Painting the property, doors and window frames, thoroughly cleaning the kitchen and bathroom and making the house or flat more homely and presentable will encourage prospective tenants to pay that little bit more each month.

When i was younger (oh to be young again!) i lived in a flatshare , well i lived in a few over a 10 year period and i loved every one of them.

I enjoyed living with differnt people, sharing my space was fine (well most of the time).  I think too many people snub flatshare and stuggle to buy or rent their own place, which is such a shame.

I think the process should be:

1. Live at home
2. flatshare
3. get own place

My best memories in a flatshare were when i had a flatshare in London, i lived in Greenwich for a few years.

Please use the comment box below to tell me about what you think about flatshare.