What Is An HMO?

Rental properties are in high demand in the UK, with more and more people on the hunt for affordable properties for rent all across the country. Many tenants are looking for cheaper renting options, especially in expensive areas such as London, and HMOs can offer […]

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What Are The HMO Licensing Requirements?

Investing in HMOs (House in Multiple Occupation) can be an attractive option to many landlords. The amount of income you can earn through an HMO is often higher than with standard to buy to let properties, making them an interesting investment. Managing an HMO does […]

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How To Rent Out Your Spare Room

When you have a spare room in your home, instead of leaving it sitting empty or storing your old possessions, you could be using it to make some extra income. Renting out a spare room is an excellent way to improve your bank balance and […]

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How To Invest In Student Properties

Anyone who graduated from university over a decade ago will remember student accommodation being run-down, freezing house shares with an array of problems. In more recent years, students are choosing to spend more on their rent and live in luxurious homes and purpose-built student accommodation. […]

How To Invest In Serviced Accommodation

When you are considering investing in property and using some of your money to try to make a decent return, serviced accommodation or serviced apartments might not be your first thought. More and more people are choosing to invest in serviced accommodation instead of buy-to-let […]

How To Invest In A Holiday Home

Buying a holiday home is a dream for many; the idea of being able to escape to your own holiday destination whenever you fancy is an exciting prospect. Holiday homes are not only a nice luxury but can also make for an attractive investment opportunity. […]

11 Point Checklist For Starting Your New Business

While the idea of starting your own business can seem daunting, it’s actually a quick, easy and affordable process; one most people can do for themselves by following these ten steps. 1. Assess viability When you have an idea for a business, you need to […]

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A Quick Guide To Your Obligations As A Landlord

Renting out a property you own can be an excellent way of securing some extra income and is a great long term investment that many are making the most of. When you invest in buy to let properties, you will be a landlord to the […]

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A Guide To Taking On A Lodger

More and more people are choosing to increase their monthly income by renting out a spare room to a lodger. Taking in a lodger is a great way to utilise all the space in your home and make some extra money with little work. If […]

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A Guide To Successful Buy To Let Investing

The rise of renting in the UK has made the prospect of buy to let investing a pretty interesting one to many people. Investing in a property and renting it out can be a very profitable way of using your cash, but only if you […]

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A Guide To Going Self-Employed For The First Time

According to the Office for National Statistics, there are over 4.8 million self-employed people working it the UK, a figure that has been increasing steadily since 2001. Initially, this increase was in response to the economic downturn. However, despite unemployment now being at an all-time […]

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A Guide To Being A Landlord For The First Time

With renting in the UK becoming more and more popular, there has never been a better time to become a first-time landlord. The demand for rented properties is constantly on the rise, and it isn’t expected to slow down any time soon. Renting out a […]

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A Beginner’s Guide To Starting A Business

The number of people starting their own business in the UK has been growing steadily for over a decade, in part due to the uncertainties brought about by the economic downturn. It is also because working for yourself can mean a more flexible lifestyle and […]

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What Is Involved In The Conveyancing Process?

Most people will only buy or sell a property a handful of times during their lifetime, and the conveyancing process can often be very overwhelming to those with a limited experience of the property market. Whether you are buying or selling a property, it is […]

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What Is A Bill Of Sale?

Choosing the right type of loan can be difficult, especially when there are so many different types out there for borrowers to consider, with varying interest rates and specific requirements attached to all of them. If you are struggling to take out a loan through […]

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Mortgage Valuation Survey Explained

The home buying process can be very confusing, especially to those new to the property market. Along the way, you will likely hear many terms that you simply don’t understand, but it is important to get as much information as you can about the process […]

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How To Prioritise Your Debts

Finding yourself in financial difficulty, particularly in an economy such as this where the cost of living is on the rise can be especially tough. While debts are an everyday occurrence in a vast number of peoples’ lives, allowing them to spiral out of control […]

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A Guide to The Homebuyer Survey

Buying a new property is an exciting time and a big financial decision that is not without its risks. When you buy a new home, you will also be taking on the responsibility of looking after the property and investing in it where necessary. If […]

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Could A Logbook Lender Repossess Your Car?

Taking out a loan, through whatever means, can often be a lifeline if you’re struggling financially. However, unfortunately, sometimes financial difficulties don’t stop after you’ve taken out the loan and you may find yourself in a position where you can no longer afford the repayments. […]

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8 Home Improvements You Can Do On A Small Budget

The desire to improve your home comes regularly – but, generally speaking, it can also come at a significant cost, depending on the type of improvement you’re looking at. Finding cost-efficient ways of improving your home can give you that feeling of a brand new […]

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What Are The Alternatives To Logbook Loans?

Most people suffer some sort of financial hardship at some point in their lives. While there are plenty of options available to people who own property as a means of releasing equity, if you’re unable to do so you may find that the options available […]

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How To Improve Your Chances Of Getting A Loan If You Have A Low Credit Score

According to This Is Money, approximately 30% of people in the UK are at risk of not getting the best deals when it comes to loans because of their credit rating. The lower your credit rating, the lower your chances of being approved. Thankfully, there […]

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How To Deal With The Debts Of Someone Who Has Died

When a partner or family member dies, it can be more difficult to handle when you also have to deal with their debts. This article explains the steps you should take to deal with the debts of someone who has died. If you need further […]

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How To Deal With Late Payment Letters And Demands

If you receive a late payment letter, it can be very stressful, but you should try not to worry. Initially, it is important that you understand which of your debts are a priority. The next step is to begin to deal with them. You can […]

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5 Ways You Can Release Equity From Your Property

Life brings about those unexpected costs at the most inconvenient of times and coming up with ways to find the money can be tough. This is especially true in an economy where the cost of living is continuously on the rise. If you’re fortunate enough […]

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Can You Still Get A Loan With CCJ’s, Defaults Or Missed Payments?

According to figures released by the Office for Budget Responsibility in March 2018, the average household’s debt-to-income ratio has been steadily increasing over the past few years and is set to reach 146% by 2023. Unfortunately, this means the number of people missing payments, defaulting […]

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Are Logbook Loans Dangerous?

Understanding loans can be difficult, especially with all the different types available to lenders. If you’re struggling to take out a loan because of your credit rating, then there are options out there for you. However, these options often come with negative repercussions. Being aware […]

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A Guide To Getting Planning Permission

Having the financial backing to do work to your property is lovely, but there’s a lot more to it than saving up the money you need and hiring a team of people to carry out the work for you. Making sure you’re following all of […]

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What Are The Alternatives To Guarantor Loans?

Guarantor loans are a form of unsecured debt which – as the name suggests – require someone to co-sign your loan application, acting as a guarantor and agreeing to make repayments if you’re unable to. Generally, guarantor loans are for between £1,000 and £15,000 and […]

A Guide To Being A Loan Guarantor

A guarantor loan is an unsecured loan, generally taken out by someone who has a poor credit rating or no credit history. They need a person with good credit to co-sign their application. This person is known as a guarantor and becomes responsible for payments […]

How To Buy Property Cheaply At Auction

Buying a new home at an auction can be an exciting and thrilling way to purchase your next property. Whether you are buying your next home or a property to develop, buying at auction can be a great way to bag yourself a bargain home. […]

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Why Do Payday Loans Charge A High APR?

When you are in a difficult financial situation, applying for a payday loan can seem like the only solution. These short-term, high-interest loans are easy to be accepted for and can give you money in your bank account within minutes. They are designed to bridge […]

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What Are The Alternatives To Payday Loans?

Payday loans are a popular option for individuals who are in need of a small amount of cash quickly and are often used to help bridge the gap until the next payday, hence the name. They offer a quick and simple solution when a cash […]

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5 Ideas To Fix A Broken Property Chain

If you are buying a new home, then the chances are the seller of that property is also buying another home to move into themselves. You are probably in the process of selling your home to someone else as well unless you are a first-time […]

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How To Complain About A Payday Lender

When you are struggling to find the money to last until your next payday or an emergency arises, and you need some extra funds quickly, it might seem like a good idea to get a payday loan. Payday loans are short-term finance solutions that are […]

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How Your Parents Can Help You Buy A House

Getting onto the property ladder is hard, especially in today’s economy and as a parent, you want nothing more than to ensure a bright future for your offspring. Not everybody can afford to give their children large amounts of money to help them buy their […]

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How To Buy A Repossessed Property

According to trade association Finance UK, 4,700 homes were repossessed in 2017, approximately 500 a month. This is down almost 50% on the previous year but still means there are plenty of properties out there for buyers looking for a good deal on their next […]

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How To Buy A House At Auction

For buyers looking for a bargain or investment opportunity, auctions offer the chance for them to pick up a property at a good price without going through the many steps it takes typically to buy a house. It also presents a number of potential pitfalls, […]

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How Much Does It Cost To Move House?

Moving house can be ridiculously expensive, with large amounts of money made payable to different companies and individuals for different things. Before you make the decision to move from one house to another, figuring out what you’ll have to pay and to who is one […]

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How To Consolidate Credit Card Debts

When you replace several credit card debts with one larger loan, it is called debt consolidation. One way to consolidate your credit card debt is to transfer the balances of all of your existing credit cards to one new one. Some credit card providers offer […]

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A Guide To House Repossession

According to the UK government, there were approximately 500 home repossessions a month in 2018. Repossessions happen when a homeowner with a mortgage can no longer afford their repayments, and the lender takes back ownership of the property. They have a number of stages, each […]

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A Guide To Buying A Second Home

Ah, the dream – purchasing a second home. You’ve worked hard, and you’ve got the dough to do what so many dream of their entire lives. If you’re considering buying a second home, then you ought to consider a number of different things beforehand, because […]

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A Guide To Building Your Own Home

More and more people want to build their own homes, approximately 10% in 2017 according to government figures. They’re attracted by the idea of getting to live in a house they’ve designed in a location that suits them. The price, which can be much more […]

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Which Debts Should You Pay Off First?

Debt happens to the best of us but if you find yourself with several different types of debt then working out what to pay off first can be particularly daunting. Getting rid of your debts through repaying your lenders is hard work and takes a […]

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Where Can I Go For Free Debt Advice?

Finding yourself in financial difficulty can be tough, particularly if you’re unsure where to look for help. In almost all cases of debt, the problem itself can be solved. It may take longer for some people, but there is always a way of ensuring that […]

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A Guide to Sequestration – Scottish Bankruptcy

Finding yourself in a range of financial difficulties is tough, but the last thing you want is complicated jargon thrown in your direction when you’re trying to come up with a solution to your issue. If you’re Scottish and having trouble repaying large debts then […]

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Ways To Consolidate Your Unmanageable Debts

As of September 2018, the average level of debt in the UK was £58,540 per person, approximately 114% of average earnings. It’s probably no wonder, then, that a recent report by the National Audit Office found 8.3 million people were unable to pay their debts […]

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Minimal Asset Process Explained

Having financial issues and rising debts is difficult for anyone- but especially so for people who are of lower financial means. Keeping on top of things when money is tight is particularly difficult, and the temptation to take out credit to cover basic costs can […]

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How To Get Help With Payday Loan Debt

Payday loans are short-term loans generally used by people in need of money before their next payday (hence the name), though longer-term loans are also available. Also known as cash advance loans, they have high interest rates and steep penalties, e.g. for late payments. As […]

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How To Get Help With Credit Card Debt

The average person in the UK has credit card debts of £7,912, with an average credit card interest rate of 18.3%. If this is you, and you only make minimum payments, it will take 26 years and seven months to pay off your debts. Which […]

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How To Consolidate Catalogue Debts

Catalogues allow you to buy everything from household items to electrical goods to clothing and pay from them monthly by opening a credit account. In a way, it is similar to a credit card as the credit is unsecured and you are charged interest on […]

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A Guide to Debt Arrangement Schemes

Financial trouble is a particularly difficult situation to find yourself in and getting out of it can be an endless process unless you approach your debt from the right viewpoint. There are so many different options out there if you find your finances spiralling out […]

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Are There Legal Ways You Can Write Off Your Debts?

When you’ve debts you can’t pay, you have a number of options. None simply write off your debts, but they do make them more manageable, meaning it’s easier to become debt free. Debt Management Plan (DMP) A Debt Management Plan (DMP) is an informal agreement […]

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A Guide to Negative Equity

When you are in negative equity with your property, it can cause some issues if you want to move to a new house or remortgage. Being in negative equity is a difficult situation that is often difficult to fully understand. If you are in negative […]

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What Is A Sale And Rent Back Scheme?

When you are in a situation where you are struggling to pay your mortgage but don’t want to move home, you could consider a sale and rent back scheme to stay in your home. The sale and rent back industry has received a huge amount […]

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How To Buy A House With No Deposit

For most people trying to take their first steps on the property ladder, getting the deposit together is the biggest challenge. Saving enough to put down just a 10% deposit can take years, making the idea of owning a home a distant dream for many. […]

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Tips When Negotiating The Sale Of Your House

Selling a property is often going to be one of the most significant financial transactions you will make during your lifetime. When it comes to deciding on a final price with your buyer, it can be challenging to negotiate, and the outcome will have a […]

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Selling A House In Probate – Explained

When you are left to sell the estate of someone who has died, it can be a complicated process. The process of selling a probate property has more complications than an ordinary property transaction, and it is not something that many people have to deal […]

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How To Successfully Downsize Your Home

At some point in your lifetime, the chances are you will have to downsize your home for one reason or another. Whether your children have all flown the nest and you no longer need such a big property, or you’re relocating to a more expensive […]

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How To Sell Your House For The Best Price

The housing market is always changing and knowing when the best time is to put your house up for sale can be difficult. Selling your home is a big decision, and whether you are selling because you are relocating, moving to a bigger home, or […]

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How To Reduce Your Spending And Get Out Of Debt

There are no debt problems that are not able to be solved. The solutions will not always be simple, and you might not get immediate results, but there is always a way. Prompt action will put you in a better position to repay your debts […]

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How To Buy Your Housing Association Property

Recent government schemes are giving housing association tenants the opportunity to purchase their home and make it their own. If you are living in a housing association property, then you might be able to purchase it under the Right to Acquire government scheme. Similar to […]

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How To Buy Your Council House

Many individuals in the UK live in council housing and have done so for many years. In recent years it has become increasingly popular for families in council homes to buy their properties. Not only are they much cheaper to buy than other properties, but […]

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A Guide To Emigrating And Living Abroad

Deciding to start a new life elsewhere in the world is an exciting yet daunting experience. If you’ve got your heart set on emigrating and living abroad, then it can be difficult to know where to start or what to do first. There is a […]

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What Is A Debt Management Plan (DMP) And How Can It Help Me?

Debt Management Plans (DMPs) are informal agreements allowing you to pay off unsecured debts by making one, affordable, monthly payment. They do not reduce the size of your debt, which still needs to be paid off in full. Is A DMP The Same As Debt […]

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What Is An IVA And How Can It Help Me?

An Individual Voluntary Arrangement (IVA) allows you to pay off your creditors through monthly payments facilitated by an Insolvency Practitioner. In Scotland, it is known as a Deed of Trust. Unlike declaring bankruptcy, an IVA lets you keep more control of your money and continue […]

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Debt Relief Orders Explained

A debt relief order (DRO) allows you to freeze your debt for a year, before writing it off entirely if there is no change in your personal circumstances. They are a good option for people on low incomes who owe less than £20,000 and don’t […]

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How To Declare Yourself Bankrupt

If you aren’t able to pay off your debts, you can declare yourself bankrupt, a process whereby your debts are written off (allowing you a fresh financial start) as long as you abide by certain conditions. Applying For Bankruptcy Applying for bankruptcy costs £680 and […]

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How To Deal With Debt As A Student

The stress caused by debts that you can no longer afford to pay, on top of exam pressure, coursework, dissertations and paying your monthly bills can turn student life into a living nightmare. If you’re finding it difficult to make the payments on credit cards […]

A Guide To Getting Out Of Debt

A debt of any size can cause stress, sleepless nights and strains in relationships. Furthermore, debt can damage credit scores which can impact your financial situation in the future. However, many of us rely on borrowing to make ends meet or to cover costly expenses […]

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A Deed Of Trust Explained & How It Can Help You

A deed of trust, also known as a trust deed, is an arrangement that allows you to combine your debts into one monthly payment in order to more easily pay off your debts. They normally last for two to four years, are only available in […]

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A Guide To Buying A Plot Of Land

Many people dream of buying a plot of land and building their perfect home, but buying land isn’t always straightforward and can come with complications. Purchasing land is often seen as a risky investment, but it allows you to build your ideal home or even […]

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What To Consider When Buying A Home Abroad

Buying a home abroad is a dream that many Brits have, whether it’s a holiday home for a bit of sun throughout the year or the perfect retirement plan. Whatever your reason for wanting to purchase a property abroad, it is important to properly research […]

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What Do Leasehold And Freehold Mean?

Knowing if your property is leasehold or freehold might seem like technical legal jargon, but actually, it is one of the most important things that you should know about your own home. It can be the difference between owning your home outright and having a […]

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The Home Buying Process Explained

Buying a new home, especially if you are a first-time buyer can be very overwhelming. The home buying process is lengthy, and complications can occur. It is often the biggest purchase of your life, and all the decisions you make during the process of buying […]

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Cash House Buyers Explained

During the property buying and selling process, you will probably come across the term cash buyers. More and more people in the UK are selling their homes to cash buyers but understanding what a cash house buyer is and how it differs to a regular […]

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Buying Vs Renting – The Pros And Cons

Choosing whether to buy or rent a property can be a difficult decision, and it is a debate that has been ongoing for many years. Buying your own home is often the biggest financial decision you will ever make, so it is vital that you […]

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A Guide To Using An Online Estate Agent

In recent years the property market has changed significantly, and the rise of online estate agents has played a major role in the way homes are now sold and purchased. For those who are accustomed to traditional estate agents, using an online only service can […]

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A Guide To Using A Letting Agent

If you are thinking about renting out your home or a second property, it can be overwhelming knowing where to start. Letting a property can seem like an easy way to make a bit of money, but there is often a lot more to it […]

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A Checklist For Moving Home

Moving into your new home should be an exciting time in your life, but when you are organising final bills, exchanging contracts and frantically packing up boxes it can become very stressful. Forward planning and careful organisation can minimise some of the stresses of moving […]

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