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Mortgage valuation v building survey: the differences

Before buying, you need to be sure that your future home is structurally sound, and that your repairs budget will suffice in the event of defects being discovered. Both mortgage valuations and building surveys address the state of the property you are buying. Here we explain how they differ.

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Valuation v building survey

A mortgage valuation is a cursory check designed to satisfy your lender that the property you’re buying is worth the price you are paying for it prior to approving your mortgage (some lenders even carry out a remote ‘desktop’ assessment). It’s not for your benefit, and won’t highlight structural issues like dry rot or damp.

By contrast, a survey is a full-length property health-check that will explain your building’s physical condition and flag up any potential problems. While one in five buyers relies on a valuation alone, it is worth investing in a detailed building …

Why the living room is the most important room in the home

Many people say that the kitchen is the heart of the home, and while this room is where a lot of important activities take place, when it comes to relaxing and entertaining, the living room is focal point. That’s why so many homeowners go to great lengths to decorate and furnish the living room to an exceptionally high standard, as this is the room that will see most families and friends come together to relax, watch TV, play games or entertain. Here are some further reasons why the living room plays such an important part in our homes:

The first room that’s seen

In most modern UK homes, the front door opens into the living room or into a hallway that leads to the living room. As such, it is often one of the first rooms of the home to be seen by the owners as they arrive home …

How to run a safer garage

For many of us, motors are a passion from a young age. Some are beguiled by their styling and performance, others fascinated by how they work. Whatever your passion, it’s a privilege to work on them and managing a garage is a rewarding vocation.

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However, despite the number of vehicles on the roads, the garage business is a very competitive market. Car manufacturing is dominated by international companies, and economies of scale trickle down making it hard for independents and new start-ups.

If you’re going to make it in this market, efficiency and organisation are paramount. Organised garages are safe garages.

Protective apparel

The welfare of employees is a matter of life and death in more ways than one. Can you afford for them to be injured, sick, or so uncomfortable they’re looking for another job? Providing personal protective equipment is EU law, but can you make them …

Developing a Personal Furnishing Style of Your Own

Whether it’s your first flat, your dream house or your retirement cottage, furnishing a home is something we all go through at various stages of our lives. Of course, we seldom get the chance to start with a completely clean sheet.

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When we’re starting out, we often inherit pieces from parents or other relatives. As we move we may choose to hang on to bits of furniture that we love whilst replacing others and developing our own personal style.

Adapting to Different Homes

On average we’ll move house three times before we’re 45, but people in the north are more likely to stay put than those in the south. Few of us are in a position to completely change our furnishings each time we move, so we have to adapt.

How we furnish is partly down to the style of the property. What suits a modern flat …

What Are the Different Electricity Metering Options in Singapore?

Most Singaporeans are now able to engage with the Open Electricity Market (OEM) by buying electricity from a list of 13 retailers. For those who intend to change to another retailer or are preparing for the OEM’s extension to your area, learning about the different metering options is a good start to your switching journey.

Types of Meters

Monitoring your electricity consumption pattern and load helps meter reading authority and yourself, as consumers, in gauging your bill.

There are two types meters – cumulative meters and smart meters. Both of them differ in how often they read your electricity consumption. Cumulative meters are the default meters fixed in most homes in Singapore, while smart meters have seen an increasing rate of adoption in recent years.

No matter which meter you opt for, SP Group will be the one reading it and provide services related to it (e.g. set-up).

Cumulative Meters

Properties For Sale in Virginia Beach

Arranged on the southeastern shore of Virginia, Virginia Beach has for quite some time been seen as a prominent vacationer goal for occupants in the Mid-Atlantic and Northeast United States. Situated far south enough to appreciate charming climate consistently, it is additionally close enough for people in New York and New Jersey to descend for an end of the week escape. It isn’t unprecedented, either, to see numerous New Yorkers migrate to Virginia Beach for occasional residency or retirement. Virginia Beach offers a lot to the newcomer, and properties to let in Wentworth Estate are more reasonable than one might suspect.

This town, some portion of the Hampton Roads metropolitan locale, verges on the Atlantic Ocean and the Chesapeake Bay, offering potential home purchasers numerous open doors for beachfront townhouses and houses. The varied Chick’s Beach neighborhood is fixed with bungalows and bigger townhomes, all with snappy access to sand …

How to build a thermally efficient conservatory

A conservatory can be a great addition to your home, providing extra space and allowing extra light in; however, all too often, conservatories are not used as they should be. To enjoy your conservatory all year round, you need to ensure it is constructed correctly.

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It is not pleasant to sit in a conservatory when it is too hot, like a greenhouse, or too cold, like an icebox. It is not sufficient to simply add radiators or underfloor heating or to open windows for ventilation; instead, you need to ensure your conservatory is constructed correctly to enjoy it all year round.

A conservatory needs to be built to be thermally efficient, so considerations need to be made when planning the construction. Reputable companies will help you to find the correct option; for example, when looking for conservatories with double glazing Gloucester has lots of options.

Consider the following …

The Secrets You Need To Know About Marble Floors

Marble polishing & sealing company  are right away conspicuous and are striking in their appearance; this rich tile is utilized in both household and business premises and offer modernity and tastefulness. Marble deck can be utilized in numerous regions of the home including kitchens, washrooms, pantries and passageway lobbies.

Most assume that sourcing marble is costly and in spite of the fact that this is valid for some marble tiles; there is a tremendous variety in evaluating which can be fit to all financial plans. There are two regular decisions in marble polishing & sealing company 
; conventional and tumbled. Customary marble has a cleaned, sparkly completion while tumbled assortments are buffed, giving a progressively regular and natural feel. The two tiles are accessible in various sizes, permitting inventiveness when laying these floor tiles. Configuration is individual and will take into consideration a really one of a kind outcome.

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Area Rug Repair and Maintenance

Area rug restoration & cleaning service in West Palm Beach FL can be good. Be it the lounge, eating region, room, kitchen or porch. In any case, this likewise implies they can get filthy actually quick and perhaps tear because of use. Normal fixing and rebuilding is basic to keep up the looks and life of your mat. Fixing and cleaning of floor coverings should be possible at home or by an expert relying upon the esteem.

Floor covering Repair

Floor coverings can be fixed at home on the off chance that you have room schedule-wise and tolerance for it. All you need is a bended upholstery needle, coordinating string, scissors and tape. Ensure you join on the posterior of the floor covering and put a tape on it to keep further harm from happening. On account of oriental and other costly old fashioned floor coverings, it is in every …

Outdoor Security Window Roller Shutters

Like any other home installations, roller shutters have received their fair share of critics concerning their safety. While they might offer a perfect solution to security, they also pose a certain risk of injury when not used or installed correctly. According to statistics, in a week there occurs an average of at least one shutter-related accident in Australia. Many of these accidents occur due to incorrect design and installation. This is why it is important to buy roller shutters that are correctly designed regardless of whether you are buying them for your home or commercial property. Outdoor Security Window Roller Shutters are designed with specific parts that enhance their safety, it is still good for the owner to take some specific steps towards preventing accidents from taking place. Since they are heavy pieces of industrial machinery and some are electronically powered, they have their own risks and fails. Thankfully, there …

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