Buying A Holiday Home To Let

Jun 29, 2017 by

Buying A Holiday Home To Let

Perhaps you want to join the bandwagon and buy a holiday home, it’s great news if you want to invest in holidays homes abroad. It’s important to be aware of how you can buy a home abroad so take a look at these areas to consider when buying a holiday cottage to let.

Location – an important consideration when buying a holiday cottage to let

If you’re deliberating over getting a deals properties around the world on a holiday cottage to let, the likelihood is that it’s going to be away from your current place of residence. This comes with some added considerations; areas popular with tourism often carry with them a premium price, and also require a local knowledge to ensure you’re in the right place. In some locations the difference a mile can make in potential rental value you can expect to gain, and the price you’ll have to pay can be massive. Ensure you do your research; speak with a number of local agents, and also visit a range of properties in the locality to allow you a greater understanding of the market. You want to make sure what it is you’re buying is going to give you an adequate return.

Size matters

Who is going to want to stay in your property, and does the size therefore make it suitable?  If your holiday cottage is likely to be full of young families from spring to summer then it’s vital you have the space in which to accommodate them. You may also want to consider the space outside of your holiday home; does it have a large garden in which children can play? Or where romantic couples can watch the sun set? Also bear in mind that the larger your holiday home is, the more maintenance and cleaning it will require. Who will be doing that for you? Are you factoring this into your on going running costs?

Local amenities

What is it that brings people to a certain location? Whilst getting the right sized property in the right spot will significantly increase your chances of bookings, it’s important to remember that guests will actually spend the majority of their time outside of your holiday home! Tourist attractions, restaurants and pubs, walks and beaches; all these things will make great selling points when it comes to marketing your holiday cottage and it’s vital that as an industry we all work together in order to promote the destinations in which we live and work.

Specialist Holiday Letting Insurance

Once you’ve found your perfect property, you’ll need specialist holiday home insurance to protect you from incurring financial loss if your property suffers an insured peril. Working with a specialist means they understand the risks you’re facing, and can provide you with the cover that you really need. Whether it’s Loss of Rent cover that ensures you don’t lose out should your holiday home become uninhabitable due to issues such as storm damage, or Accidental Damage making sure you don’t end up out of pocket if a guest damages your property, our team will speak with people just like you every day and will be able to help.

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Things To Consider Before Moving Abroad

Jun 27, 2017 by

Things To Consider Before Moving Abroad

Last year around 320,000 people left the UK to live abroad, according to the Office of National Statistics, with Spain, the US, France and Australia among the expat hot spots. If you’re thinking of working or retiring overseas, there are a number of practical considerations to take into account before you go for an help finding international properties.

Visa

British citizens don’t need a visa to move to a country in the European Union but getting the right paperwork can be difficult if you’re going further afield, for instance to America or Australia. For those going for work, you often need to be sponsored by your workplace or have a skill which is needed. Outside the EU, those looking to retire abroad usually have to prove that they are wealthy enough to support themselves or be sponsored by a local resident and finding deals for overseas properties is a good place to get an idea of what you can afford.

Health

While a warmer climate may be better for your health, the cost of health care can be significant, especially in North America. In the European Union, you will need to apply for a European Health Insurance Card (EHIC) to receive emergency treatment at a reduced cost or sometimes for free. In Australia, Medicare is the publicly funded scheme which exists alongside a private health system.

Having health insurance is often a condition of being granted a visa. It also pays to be aware of the rules and regulations for individual countries – for example, tough new regulations in Spain mean that some expats taking early retirement there have been blocked from free medical treatment.

Property taxes

When buying a new home overseas, check the cost of tax and legal fees which can often add 6-10 per cent to the purchase price. There are also ongoing taxes which vary depending on the region.

The tax may differ for residents too. For example, taking Italian residency means you’ll pay 3 per cent purchase tax and lower ongoing property taxes, but second home owners pay 9 per cent when buying and higher ongoing taxes.

Foreign exchange

Not only will you need to change a lump sum into your new local currency, but you may need to transfer money regularly between the two countries, perhaps for education fees or a pension. Foreign currency brokers charge lower fees and offer better exchange rates than using your UK bank

Cost of living

Look into the living costs before deciding which country to settle in. Although property prices abroad are often cheaper than in the UK, day-to-day living may be the same or more expensive. Check out the cost of food, petrol, entertainment and energy. Remember that living in a tourist area will be pricier than less popular areas. And don’t assume the exchange rate will stay the same. The pound has risen strongly against the South African rand and the US dollar in the last year. You can protect yourself against currency fluctuations by fixing the rate you’ll receive with a forward contract for up to 24 months ahead.

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Moving Long Distances

Jun 19, 2017 by

Moving Long Distances

Taking the time to plan your move carefully will help you avoid pitfalls along the way. You need to take the differences between a local move and a long distance move into account during the pre-moving process. Whether you’re planning your first ever long distance move or simply want to make sure your next move goes off as planned, use the tips we’ve compiled for you to help you make the right choice of company like brazosmovers.com. During a long distance move, items will be handled by multiple teams of workers and riding in a truck across a large stretch of miles and long period of time. Make sure that everything you pack is cleaned well and well cushioned inside the box. Try to assure that each box is packed to the top and nothing is loose, which we understand is opposite advice to other guides! With other guides and advice from companies you’ll find that most companies tell you not to over pack but when moving abroad, maximising space is crucial to success!

Containers inside boxes should be very well sealed and buying high quality moving boxes is key. A lot can happen to your stuff over thousands of miles in the back of a truck when it’s being loaded and unloaded by a number of crews. Moving is high risk and while that’s not the fault of a lot of moving companies, items changing hands repeatedly can put your things at risk of breaking. We cannot stress to you enough the importance of insurance and insuring your possessions should be done quickly. Clean, clean, clean! You need to clean all outdoor furniture properly for signs of insect or larvae infestation. Certain moving regulations exit on furniture in order to prevent transporting contaminants overseas. When it comes to long distances especially those that go overseas, transporting bacteria is not the best idea. Your items could end up quarantined if you don’t thoroughly clean out your things before transport.

Avoid packing foods and liquids. Even non-perishable food runs the risk of getting crushed or otherwise ruined. This can also attract vermin and again, this cannot be transferred overseas. This also includes cleaning fluids and paint: if you don’t seal them properly you’ll end up with your things covered! Companies can assist you with packing your possessions well. Mark your boxes properly with your name on. Moving trucks which service long distance moves have a variety of different peoples’ belongings on the truck. In order to keep your things from being lost, make sure to write on all the boxes with your name or some other unique identifier like fluorescent paint! You’ll need to ensure that the day your belongings will be taken off the truck into your new home, that you have someone to meet them with a check list of what to make sure got their correctly. If you can send someone ahead with a typed list then that is beneficial for you!

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Long Distance Moving: Tips!

Jun 19, 2017 by

Long Distance Moving: Tips!

Taking the time to plan your move carefully will help you avoid pitfalls along the way. You need to take the differences between a local move and a long distance move into account during the pre-moving process. Whether you’re planning your first ever long distance move or simply want to make sure your next move goes off as planned, use the tips we’ve compiled for you to help you make the right choice of company like brazosmovers.com

  1. During a long distance move, items will be handled by multiple teams of workers and riding in a truck across a large stretch of miles and long period of time. Make sure that everything you pack is cleaned well and well cushioned inside the box. Try to assure that each box is packed to the top and nothing is loose, which we understand is opposite advice to other guides! With other guides and advice from brazosmovers.com you’ll find that most companies tell you not to over pack but when moving abroad, maximising space is crucial to success! Containers inside boxes should be very well sealed and buying high quality moving boxes is key.
  2. A lot can happen to your stuff over thousands of miles in the back of a truck when it’s being loaded and unloaded by a number of crews. Moving is high risk and while that’s not the fault of a lot of moving companies, items changing hands repeatedly can put your things at risk of breaking. We cannot stress to you enough the importance of insurance and insuring your possessions should be done quickly.
  3. Clean, clean, clean! You need to clean all outdoor furniture properly for signs of insect or larvae infestation. Certain moving regulations exit on furniture in order to prevent transporting contaminants overseas. When it comes to long distances especially those that go overseas, transporting bacteria is not the best idea. Your items could end up quarantined if you don’t thoroughly clean out your things before transport.
  4. Avoid packing foods and liquids. Even non-perishable food runs the risk of getting crushed or otherwise ruined. This can also attract vermin and again, this cannot be transferred overseas. This also includes cleaning fluids and paint: if you don’t seal them properly you’ll end up with your things covered! Companies can assist you with packing your possessions well.
  5. Mark your boxes properly with your name on. Moving trucks which service long distance moves have a variety of different peoples’ belongings on the truck. In order to keep your things from being lost, make sure to write on all the boxes with your name or some other unique identifier like fluorescent paint!
  6. You’ll need to ensure that the day your belongings will be taken off the truck into your new home, that you have someone to meet them with a check list of what to make sure got their correctly. If you can send someone ahead with a typed list then that is beneficial for you!

 

 

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Where Should You Buy Abroad?

May 11, 2017 by

Where Should You Buy Abroad?

If you are looking to find a home in the sun, France, Spain and Portugal and properties with dreampropertydubai.com remain firm favourites, although some will, of course, set their sights much further afield.

Crucially, if you are tempted to dip a toe into the foreign property market in the hope of bagging yourself a bargain, you need to be aware that the process is complex.

When buying overseas, there are a host of legal, financial, tax, cultural and also linguistic issues to consider.

For this reason, it is essential to plan very carefully

At the outset you need to decide on a country – and a particular location within that country.

To do this, you may need to carry out lots of holidays or short visits until you get to really know an area and decide that it’s right for you.

Having decided where you want to live, you then need to decide what kind of property you want.

That might, for example, be an apartment in a block with access to a beach and a pool, or a remote cottage in the middle of the countryside.

At the same time, you need to decide exactly why you are buying: is the property for holiday use, retirement or investment. And are you going to rent out the property – or live there yourself?

You still need to sit down and work out carefully exactly what you can afford to buy in your chosen location, as you don’t want to end up over-stretching yourself.

You also need to be sure you can actually afford the property after you’ve bought it.

There might, for example, be extra fees to cover the upkeep of communal areas, such as a shared pool or gardens.

Don’t forget to spend time checking out local facilities, such as the shops, restaurants – and potentially the coast.

Also ensure there are good transport links to the main cities and airports.

When spending hefty sums on an overseas property with dreampropertydubai.com it’s vital to get the finance right.

The simplest option may be to fund the purchase by raising funds based on equity you have in your UK property or other assets. Alternatively, you may need to take out a mortgage. In more tried-and-tested markets, such as France, Spain and Portugal, you may be able to take out a mortgage in the local currency. In newer markets you will probably be limited to raising finance on other assets in the UK.

Crucially, you should look to have an “agreement in principle” before you start property hunting.

This will tell you how much you can borrow – and also demonstrates to estate agents and property developers that you are a serious buyer.

To sort your finance, consider approaching a mortgage broker which specialises in purchasing property abroad.

When buying a place overseas, you should take proper legal advice from a reputable local specialist – and someone who speaks good English.

You should also ensure they are up-to-speed on the laws and rules of the country in which you are buying.

In addition, it is essential that you choose someone who will protect your interests – and not someone recommended by the estate agent.

Personal recommendations from friends, family and colleague can be a helpful starting point.

Never sign a contract that you don’t understand or which is in a foreign language, and never make a payment without checking with your legal adviser.

Also take the time to check the tax rules on property purchases, as buying abroad can come with a host of tax challenges – such as potentially exposing yourself to inheritance tax in your chosen country.

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Tips For Buying Property Abroad

May 11, 2017 by

Tips For Buying Property Abroad

The Arab world, once characterized by unrest and instability, with laws that severely limited foreign ownership, was an unpopular place for foreign investment in the real estate sector prior to 2002. However, in 2002, when the Freehold Decree was introduced as formal legislature permitting foreign nationals to buy, sell, lease or rent property, the Middle East and Dubai in particular, became an immensely popular destination for real estate investments. Today, with the soaring cost of rentals and a healthy property market that continues to grow, buying property is becoming an increasingly viable and attractive option for expats living in Dubai. The purchasing process with dreampropertydubai.com in Dubai is fairly simple compared to many other countries in the world; this can be both an advantage as well as a hindrance to purchasers. While the purchasing process is fairly straight forward in some cases (when you buy on the secondary market from a seller who has no loan on the property), the relative immaturity of the legal system in Dubai makes it even more imperative that buyers exercise caution when undertaking such a major monetary transaction. It always pays to understand the purchasing process and to minimize any risks associated with what is usually the largest money-related transaction that most people will ever undertake. 

1) Understand the purchasing process in Dubai

In Dubai, property can be purchased either ‘off-plan’ from a developer or ‘resale’ from a private seller like dreampropertydubai.com. When purchasing off-plan, expats will need to submit their passport, along with a reservation form that outlines the terms and conditions of the deal. A reservation fee, of between 5 to 15% is then paid to draw up the Sales and Purchase Agreement (SPA), that commits both parties to the deal. For properties that are still under construction, ensure that the agreement includes a completion date and outlines any compensation to be paid if there is a delay in completion by the stipulated time period. When purchasing resale property from a private seller, a Memorandum of Understanding (MoU) outlines the terms and conditions of the deal, after which the buyer usually puts down a 10% deposit of the property price to confirm his purchase of the property, pending approved financing. Once financing is obtained, the transfer of deeds can take place.

2) Consider why you want to purchase property

Deciding on whether to purchase a property for investment purposes or to buy property that you intend to occupy yourself can have a huge impact on the type of property purchased. If the primary purpose of purchasing property is for investment, most expats will be likely to rent out such a property. It is then important to look at the property market and study the types of properties that have the highest rental yield. Investing in a one or two bedroom apartment would be a more sound investment decision than indulging in a villa purchase, as the former have better rental yields than the latter, even though the latter may seem more luxurious to own.

3) The importance of due diligence

Whether buying off-plan or resale properties, it is important for buyers to ask plenty of questions to determine the reputation of either the developer or the real estate agent. If buying from a developer, you will want to look at the developer’s reputation particularly with respect to quality as well as being able to deliver on time. In most cases when buying from a developer, the unit you purchase is not even ready, so it becomes doubly important for potential buyers to visit show homes to get an idea of what they can expect. If you intend to purchase through a real estate agent, find one that is registered.

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Must See Things In Hull

May 11, 2017 by

Must See Things In Hull

1 White phone boxes

Hull’s independence and proud municipal history are symbolised by its unique white phone boxes. The city’s council-run telephone exchange, Kingston Communication, was flogged off to a private company in 2007, but the creamy white phone boxes remain. It is still the only locally operated telephone company in the UK. Make sure you book fantastic accommodation like tudorcroft.com so you can enjoy your stay.

2 Few green cars

According to one of Hull’s many fishing superstitions, the colour green is considered unlucky. Veteran trawlermen would rip off any green scarves or hats worn by young deck-hands unversed in local lore. The fear was that green would be followed by black. Even today there are few green cars on the streets of Hull, and the city council avoids using the colour.

3 Rugby League

Hull City may enjoying their second foray into the Premier League, but the city’s first sporting love is rugby league. The city boasts two top-flight rugby clubs: Hull KR (formerly Hull Kingston Rovers) and Hull FC. Traditionally people from the east of Hull are Rovers fans, while those to the west support Hull FC. The city’s love of the sport is immortalised in a stretch of A63 named Clive Sullivan Way, after the Wales and Great Britain winger. Diplomatically he had stints playing for both Hull and Hull KR. In 1972 Sullivan became the first black captain of any British national sporting side, and led the team to the Rugby World Cup.

4 A fearsome of reputation for law and order

In 17th-century Hull, decapitation was once considered too good for criminals. Instead they were tied to gibbets in the Humber estuary at low tide and left helplessly to watch the return of the tide that would eventually drown them. The punishment is thought to be the reason for an infamous line in the 1622 poem the Beggar’s Litany: “From Hell, Hull and Halifax, Good Lord deliver us.”

5 The Scale Lane bridge

It was supposed to connect the city centre to a hoped-for redevelopment on the eastern side of the river Hull. Inevitably it was dubbed the bridge to nowhere after the regeneration failed to materialise. But the Scale bridge, also known as the “pinball flipper”, which the public can ride as it rotates to allow ships to pass, has become a destination in its own right

6 The Deep

In pre-austerity Europe there was a fad, and the funds, for iconic buildings to lead regeneration of rundown industrial cities. Bilbao got the Guggenheim museum, Hull got the Deep – an aquarium, museum and environmental charity, housed in Sir Terry Farrell’s £45m glass and aluminium building overlooking the Humber estuary. It attracted more than double the expected number of visitors in its first year.

7 Hull’s museum quarter

Hull has an abundance of free museums. They include the Hull and East Riding Museum for archaeology and local history; the Streetlife Museum; the Ferens art gallery, and Wilberforce House, charting the history of slavery and its eventual abolition. Hull’s fishing history is celebrated in the Maritime Museum and a renovated trawler in the harbour, the Arctic Corsair.

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The Importance of Needing An Outdoor Instructor For Training

May 4, 2017 by

The Importance of Needing An Outdoor Instructor For Training

If you are planning to try something new, something daring into your life then you should consider trying out outdoor training. When you hear the word outdoor training what’s the thing that comes to your mind? Jogging across the park? Working outside? Those are the things that come to your mind when you think about outdoor training right? Well, there’s another type of outdoor training and this kind of training consists of you climbing up the mountain, swimming in a lake, canoeing, and sea kayaking. That kind of exercise is training. There’s a reason why you need an instructor for that kind of training. For one, you need safety measurements and the instructors are professionals including safety and security to your person and to your life. Another thing is that what do you get out from training for outdoor instructing? Well, you get the chance to reconnect with Mother Nature, and spend time with your loved ones.

Going out and have outdoor training can be a vacation if you like to think about it. You can get the chance to travel to different countries and explore the sights while trying out different and the most challenging activities. You get to try out those activities that no ordinary exercises could match and with the help of an instructor that can guide you through all those exercise then your training will begin. The point in getting trained in that kind of activity is so that you could live a healthy lifestyle, and having to travel and trying to performed to activities will motivate you even more. The difference of doing outdoor activities back at home while attending this kind of training is that it has a course with professionals that will help you and guide you through the program.

With the instructor, you can be assured that you will be attending different kinds of program that will require performing certain activities and they will assist you in any way if you need them. These activities can be difficult especially when you have no experience in mountain climbing and canoeing but under their supervision and their care, you will be safe from potential harm. Under the instructor’s guidance, you will be protected, and trained while you’re with them. They are hired to teach you and will demonstrate on how to survive when out in the woods and teach you the mechanics in performing certain exercises. It can still be a vacation with you and your family, who are 18 and above, and you won’t be alone because of the lack of experience on your end, the instructor has to teach you on how it goes.

With the instructor, you will won’t be feeling insecure or worried. It is their job to ensure that you will be having fun while being safe. You will get the chance to appreciate the environment while enjoying those activities while living with them. You cannot deny that with their help you can finally begin your long deserved training.

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