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95% mortgages are once again available to first time buyers




The property market in the United Kingdom has gotten a double dosage of support to keep it afloat. A new government scheme allows mortgage lenders to issue loans up to 95 percent of a property’s worth, which is particularly beneficial to first-time purchasers. Additionally, the stamp duty holiday has been extended till June 30th.

This good news for homeowners comes as a number of lenders seek to loosen their lending standards in order to accommodate those with poor credit or sporadic income. Boris Johnson hinted at the 95 percent mortgage programme back in October when he declared that he wants to “transform Generation Rent into Generation Buy.”

The scheme, which will be available from April, would allow homebuyers to acquire properties valued up to £600,000 with just a 5% mortgage. It is available to both first-time purchasers and current homeowners.

What is the 95 percent mortgage arrangement and how does it work?

The programme is identical to the old Help to Buy mortgage guarantee programme, which was closed to new applicants in 2017. (not to be confused with the Help to Buy equity loan scheme, which is still ongoing and is another way to buy with a 5 percent deposit).

Under the new approach, borrowers looking properties for sale including houses for sale in Bicester, taking out a mortgage should not perceive any practical difference at their end. Lenders (banks and building societies) will be encouraged to give 95 percent mortgages once more, under the condition that the government will guarantee outstanding loans if the buyer defaults and there is insufficient equity to repay the loan and provide a margin to the lender.

However, the same affordability checks will apply – these mortgages will not be available to everyone with a 5% deposit. Homebuyers must demonstrate that they can comfortably afford the monthly repayments after covering other needed expenses.

With the mortgage guarantee scheme, how much of a deposit will I need?

A 95 percent mortgage covers 95% of a property’s sale price, so you’ll still need to come up with 5% of the purchase price in cash – i.e. your mortgage deposit. Given that most lenders didn’t offer anything more generous than an 85% mortgage (requiring a 15% deposit) until recently, this means that first-time buyers may only need to save a third of what they would have needed previously. When spoken in this manner, it appears to be extremely charitable.

However, given the current state of UK housing prices, even a 5% increase can be far more significant than it appears. According to Rightmove data based on typical house prices, the UK average 5% deposit would be approximately £16,000, with the cheapest location (the North East) having a deposit of nearly £8,000. In the South East, this amount exceeds £20,000, while in London, it exceeds £31,000. It will be difficult to save these sums in their respective regions.

Is the mortgage guarantee programme beneficial to the housing market?

The government’s new strategy is a risky move in any case. It entails direct state intervention in the property market once again, this time by meddling with the underlying idea of mortgage financing.

Traditionally, a mortgage lender will provide you a loan with the understanding that if you don’t return it, they will be able to repossess your home and collect their money (along with making a sufficient profit to stay in business).

During periods of rising property prices, this approach has worked successfully because the resale value of a home usually pays the outstanding debt. As a result, during the property boom of the early 2000s, mortgages of 90%, 95%, and even 100% (or more) were popular, as house price inflation of roughly 10% ensured that lenders were always protected. All of that changed after the 2008 financial crisis, and very high LTV mortgages are now rare or non-existent.

Lenders’ reluctance to provide high LTV mortgages reflects their concern of a housing market meltdown. On the other hand, the government’s promise to guarantee such loans indicates that they intend to do all possible to maintain those prices high.

They are effectively ‘wagering against’ such a market decline. For first-time buyers, this stabilisation of house prices is a mixed blessing – but for the time being, the best thing they can do is take advantage of this opportunity to buy a property as cheaply as possible.

Some in the sector have applauded the decision. ‘A mortgage guarantee plan will help first-time buyers get on the housing ladder at a time when owning a home seems an unachievable dream for many,’ said Mark Hayward, chief policy adviser at Propertymark.

Along with the prospective extension of the stamp duty holiday that we have been advocating for, this new initiative will go some way toward giving hope to first-time buyers at a time when the size of deposits necessary prevents them from getting past the first barrier.

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Home Improvement

The Ultimate Guide to Starting a Roofing Company



Roofing Company

Starting a business is hard. You have to figure out what you’re going to sell and how much it will cost, then you need to find customers who want that product at that price. On top of all that, many states require special licenses for roofing companies (and other kinds of construction companies).

The good news is that this article breaks down each step in the process—from start-up costs to marketing materials—so you can get your business off the ground with confidence. From there, all it takes is some elbow grease!

Business licenses and permits

·         Business license: You’ll need to get a business license from the county where your company is located. This will cost between $50 and $100, depending on the size of your business and how long it has been in operation.

·         Contractor’s license: In most states, contractors must have a contractor’s license before they can legally perform certain types of work (i.e., roofing).

·         To get one, you must submit an application with proof that you have liability insurance coverage; pass an exam; pay fees; meet education requirements; and complete continuing education courses every two years.

·         Permit for roofing work: If you’re going to be doing any kind of roofing work yourself (and not hiring someone else), then before starting any such projects at all–even just replacing shingles on an existing rooftop-you’ll need some sort of permit from either city hall or county officials.

·         Permit for electrical work: Same thing goes here: Without getting permission beforehand from local authorities regarding wiring inside homes or buildings, there could be serious consequences if something goes wrong later down the road–like electrocution!

Customer service

Customer service is an integral part of any business, but it’s especially important for a roofing company. Your clients will be depending on you to provide them with a safe and secure place to live or work. It’s not enough just to answer the phone when the customer calls; you need to make sure that your customers feel like they’re being taken care of throughout their entire interaction with your company.

There are several ways that you can go above and beyond when it comes to customer service:

Always send out confirmation emails after scheduling appointments or accepting quotes from potential clients (and follow up if someone hasn’t responded). This way, everyone knows what’s going on in terms of scheduling or quoting. You’ll also have records of who said what so there aren’t any misunderstandings later on down the road!

If someone asks about something specific while they’re talking on the phone with one employee but another employee ends up helping them later down the line (like when ordering materials), let both know what happened so nothing falls through cracks–it would be terrible if something went wrong because neither person knew what was happening!

Working on roofs is not easy, but it is a lucrative job that will pay off over time. Today there are many companies for quality slate roofing in Sydney, and only a few are the best. It is worth making knowledge, in relationship with customers, but also in their skills and materials.

What do you need everything from the equipment?

The first step to starting a roofing company is to determine what you need. The answer isn’t always obvious, so let’s take a look at some of the basic equipment needed for roofing companies, including:

Roofing tools. This includes hammers and chisels, among other things. You’ll need these tools to remove shingles and other materials from an old roof prior to installing a new one.

Ladders. A ladder is essential for reaching high places on a building or home with ease. It should be long enough to reach your average job site without difficulty, but not so long that it’s cumbersome to use or carry around all day long.

Tarps and tarps poles . Tarps are used for covering up areas where you don’t want the weather getting in the way of your work. They’re also used for protecting other materials such as insulation or plywood during installation processes as well as protecting your vehicle when transporting materials back and forth between jobsites and storage locations (if necessary).

Safety Equipment: The most important safety equipment is safety glasses and hearing protection. If you’re going to be doing any major work, you should also invest in steel-toe boots, gloves and a hard hat.

Equipment: You’ll need basic hand tools such as screwdrivers, wrenches and hammers. You also need power tools like drills and sanders. In addition to these basic tools, you’ll need a ladder — preferably one with extendable legs — so that you can reach high places safely.

If you plan on doing any painting or staining jobs for your customers, then you’ll need a sprayer for applying paint or stain.

If you’re ready to start a roofing company, congratulations! You’ve already taken the first step. Now it’s time for you to get out there and start building your business.

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Home Improvement

Top 15 Best Washing Machines in India



Best Washing Machines in India

I know you are looking for the best washing machine in India. I am here to help!

Have you seen a house without a washing machine these days? I am sure you have not.

Now a days, there are so many options in the market. Thats why it is so difficult to make a decision. On the other hand, it is very easy to get confused and settle for a substandard product.

This article is basically a guide and a list for you to make an informed decision. On your own!

Here are the Top 15 Best Washing Machines in India. It includes different types, brands, and models.

Top 15 Best Washing Machine in India (2020)


1.  LG 8 kg Inverter Fully-Automatic Front Loading Washing Machine (FHT1208SWW, White, Inbuilt Heater)

  • LG has its washing machine on no.1. It’s a fully-automatic front-loading washing machine with the best wash quality, energy, and water-efficient.
  • The machine has a capacity of 8 kg. It means it is suitable for families with 5 to 8 members.
  • It comes with a Warranty: 2 Years comprehensive & 10 Years on the Motor
  • Useful Wash programs like Cotton, baby steam care, delicate, wool, rinse + spin, duvet, gentle care, allergy care, duvet, sportswear, quick 30 programs & stain care help you a lot.
  • The machine has 1200 rpm implying that Higher spin speeds help in faster drying.
  • Also, there are special features: Smart ThinQwith Wi-Fi, chrome door, touch panel, Slim size, 6 motion DD, crease care, Jog Dial, child lock, Tub Clean, Smart diagnosis system, Fuzzy Logic & pre-wash.

2. Samsung WW65M206L0W/TL – 6.5 kg – Best Front Load Fully Automatic Washing Machine

Samsung is a renowned brand in home appliances. Its name is almost second nature when it comes to electronics. Its fully-automatic front-loading washing machine is at number 2.

  • The Capacity is at 6.5 kg. It makes it suitable for families with 3 to 4 members
  • There is a Warranty of 3 years on product
  • 1000 RPM of the machine means that Higher the spin speed, faster the drying time
  • Special features: Diamond drum, White body plus chrome door, touch panel

3. IFB 8 Kg Fully Automatic Front-Loading Washing Machine – Senator Aqua SX

International brand IFB has its home appliances at number 3. Its fully-automatic front load washing machine has great wash quality. It is energy and water-efficient.

  • The Capacity is 8 kg, making it suitable for families with 5 or more members. The door opening angle is 180 degree and the door diameter is 320 mm
  • Warranty of 4 years on product and 4 years on the motor is good.
  • It has a 1400 rpm: Higher the spin speed, faster the drying time
  • Special Features: Wash Care Programs 1: Cotton heavily soiled, cotton normally soiled, daily wash, lingerie, program repeat, silk special, curtains, mixed fabric, and wool or hand wash additives

4. Bosch 7 Kg Fully-Automatic Front-Loading Washing Machine – WAK24268IN

The international brand Bosch is well known and reputed for its appliances. On number 4 is its fully automatic front-loading washing machine.

  • Capacity 7 kg: Suitable for families with 3 to 4 members
  • Warranty: 2 years on product and 10 years on motor
  • 1200 RPM: Higher the spin speed, faster the drying time
  • Super 15 program: It has a program which helps to conveniently freshen up lightly-soiled laundry in just 15 minutes with Super 15
  • Consumption: energy – 0.99 kWh; water – 47 litres
  • Programs: Synthetics, Hygiene, Delicate/Silk, Daily wash, Wool, Cotton

5. LG FH0FANDNL02 Front-Loading Washing Machine 6 Kg Inverter Fully-Automatic

This brand LG has a wide range of appliances and is renowned. Its machine on number 5 is its fully-automatic front load washing machine with best wash quality, energy, and water efficiency

  • The Capacity of 6 kg is suitable for bachelors & couples
  • Warranty is of 2 years on product and 10 years on motor
  • The machine has 1000 rpm: Higher the spin speed, faster the drying time
  • Special Features:
    • Direct drive technology and 6 motion.
    • Temperature Range-Cold/20/30/40/60/95℃. Spin Speeds (rpm)-1000/800/600/400/No spin. Tub Clean
    • Full touch panel, Inverter Control
    • Smart diagnosis


6. Samsung WW60M206LMW/TL 6 Kg Fully Automatic Front-Loading Washing Machine

Samsung is a large and old brand, well known for its myriad electronics. Its machine on number 6 is its fully-automatic front load washing machine with best wash quality, energy, and water efficiency

  • There is a Capacity of 6 kg making it suitable for bachelors & couples
  • The Warranty of 3 years on product and 10 years warranty on DIT is good.
  • A 1000 rpm of the machine means that “Higher the spin speed, faster the drying time”
  • Special features:
    • Digital Inverter technology,
    • Aqua stop,
    • diamond drum,
    • silver wash,
    • big capacity wild door, and user-friendly display
    • Ceramic heaters prevent calcium compound build-up which otherwise absorbs more electricity and requires special detergents to dissolve

Top Load

7. Samsung – WA62M4100HY/TL

The well-known company Samsung has its machine at number 7. It has its fully-automatic top load washing machine weighing 6.2 kg.

  • Warranty of 2 years comprehensive warranty on product and 4 years on motor is good.
  • Features: air turbo, auto restart, child lock, magic filter, tempered glass window, drum-type – diamond drum, pulsator- center jet, water level – 5 levels
  • Cycles: blanket, delicates, eco tub clean, additional cycle – normal, quick wash, soak plus normal, number of cycles – 6
  • Physical specification: Voltage/frequency– 220/50, drum material- SS

8. Samsung – WA65M4100HV/TL

Number 8 is also from Samsung. This shows the quality of the products that they are producing is consistently good. Fully-automatic top-loading washing machine with 6.5 kg capacity.

  • There is a warranty of 2 years on product, and 4 years on the motor;
  • It comes with 5 Levels of Water Level;
  • The Voltage/Frequency: 220/50; Additional Cycles: Normal, Quick Qash, Soak+Normal
  • The machine has a capacity of 6.5 kg. So, it is suitable for families with 3 to 4 members
    • Special features:
    • easy iron,
    • smart check,
    • child lock,
    • air turbo,
    • drum-type: diamond,
    • eco tub clean

9. IFB – TL-RDSS 6.5 KG Aqua

International brand IFB also has top-loading machines. Its fully automatic top-load washing machine is number 9.

  • The fully-automatic top load washing machine is affordable with great wash quality. Also, it is easy to use
  • Capacity 6.5 kg: Suitable for families with 3 to 4 members;
  • Maximum Connected Load (Watts): 360 ;
  • Power Supply: AC 220 – 240/ 50Hz; Water Pressure: 0.3 bar to 8 bar
  • Warranty: 4 years comprehensive warranty and 10 years spare part support
  • 720 rpm: Higher the spin speed, the faster the drying time
  • Water Level: 8
  • Special Features: Water Inlet Selection: Cold
  • A big LED display screen is the new range of top loader washing machines that will complement your home decor and you will definitely find them easy to use too.

10. Onida – CRYSTAL – T62CG

Onida is an old-timer in the field of electronics, especially heard in the range of television sets. Its fully-automatic top-loading washing machine is at number 10.

  • The machine has a capacity of 6.2 kg. Thus, it is suitable for bachelors and couples.
  • There is a warranty of 2 years on product and 10 years on motor
  • The speed is 1000 RPM. So, higher the spin speed, faster the drying time
  • Special features: Max Spin Speed: 1350 rpm, Stainless steel drum


11. Whirlpool – SUPERB ATOM 70S

Whirlpool is an international biggie that has adapted to the Indian market needs perfectly, over the years.

  • This one is a semi-automatic top-loading washing machine with a 7 kg capacity
  • Secondly, there are 3 wash programs;
    • Wash Timer (min): 15;
    • Spin Time: 5mins;
    • Maximum Spin Speed (rpm): 1450
  • Also, it comes with a Warranty of 2 years on the product, 5 years on the motor.
  • Super soak – easy removal of tough dirt by continuous soaking and scrubbing action for 25 minutes with super soak technology
  • Impeller – Impeller provides perfect motion for clothes to remove dirt effectively
  • Inbuilt collar scrubber – the machine has been equipped with a special scrubber to give a perfect wash every time

12. LG – P7550R3FA

South Korean company LG has come a long way in India. Its semi-automatic machine is at no 12.

  • It is a semi-automatic top-loading washing machine with a capacity of 6.5 kg. It is suitable for families with 3 to 4 members
  • The machine gives a warranty of 2 years of comprehensive warranty on the product
  • The speed is 1300 RPM: The higher the spin speed, the faster the drying time
  • Special features:
    • 3 Wash Programs: Gentle, normal and strong,
    • Lint Collector, Collar Scrubber, Rat Away Technology

13. Samsung 7.2Kg Semi-Automatic Top-Loading Washing Machine (WT725QPNDMP)

If you are looking for a semi-automatic top-loading machine for a medium-sized family, then this one is it. This semi-automatic machine is the most economical and consumes the least water and energy. But it involves manual effort

  • The Capacity of the machine is 7.2 kg. It is suitable for families with 3 to 4 members
  • The Warranty is 2 years on product, 5 years on motor,
  • Rust Proof Plastic Body
  • 1000 rpm: Higher the spin speed, faster the drying time;
  • Net (WxHxD): 800 x 935 x 502 mm; Voltage: 220 Volt, Frequency: 50 Hz;
  • Additional features: Child lock and Dual Jet System
  • Special features: Wash programs: Normal, intensive and delicate.
  • Its buzzer helps you to keep score of your time by alerting you when the washing is done.
  • Air Turbo Drying system

14. AmazonBasics 10.2 kg Semi-automatic Washing Machine

For someone looking for a semi-automatic machine with efficiency, this is it. This one uses less water and low energy.

  • It is suitable for a family of 6 to 7.
  • The Warranty is 2 years on product, 5 years on motor
  • It has both washing and drying processes. And a separate spinning tub for drying.
  • 1300 rpm: Higher the spin speed, faster the drying time
  • Additional features: Buzzer, Castor Wheel, Twin Water Inlet and Lint Filter, Punch-type Pulsator,
  • Special features: Anti-rust plastic body in white color with a water-proof and shock-proof panel
  • Chrome knobs on dial and silver handles enhance the look of the washing machine. It has a transparent lid which gives a view of the wash and spin cycles in progress

15. Haier 7.2 kg Semi-Automatic Top Loading Washing Machine

If you are looking for value for money, then this one is for you. This one is popular with customers for its economical feature.

  • The machine has 2 good wash programs.
  • It has a warranty of 2 years on product and 5 years on motor
  • Spray: It is a design to divide water into separate flows and intensity, for better cleaning.
  • Anti-rat mesh to keep rats away.
  • This one has a rust-free body (plastic exterior).
  • It has castors to support the 4 legs of the machine.

All these branded washing machines are very popular because of their durability and ease of use. When you buy these new, they come with limited period of warranty within which company replace completely new or spare parts for free. But, after the period is over, you need to hire a professional company who provides washing machine repair service in Kolkata at your doorstep.
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Home Improvement

A Step by Step Guide to Deep Cleaning your Apartment



Deep Cleaning your Apartment

If you’re considering to do the deep cleaning , whether you’re getting ready to move, want to update your living space, or just want to keep your home clean and healthy, your apartment is a fantastic place to start. Here’s a step-by-step guide to assist you finish this task fast.

Step 1: Organize and tidy up first

Decluttering and organizing your possessions is the first step in completely cleaning your flat. This will not only make cleaning easier, but it will also improve your understanding of the area and what has to be cleaned. Purge whatever you don’t want, need, or use any longer, starting with each room.

After removing the clutter, classify the goods that are still there into categories, such as kitchenware, clothing, or books.

Consider using a experienced bond cleaning in Melbourne for a comprehensive and effective cleaning if you’re short on time or simply want a professional touch.

Step 2: Vacuum and Dust

After organizing and decluttering your space, it’s time to dust and vacuum your apartment. Before cleaning carpets, rugs, and upholstered furniture, start by dusting flat objects like shelves, desks, and tables.

Use a vacuum attachment to collect dust and debris from confined areas, being sure to reach all baseboards, corners, and crevices.

Step 3: Scrub the mirrors and windows

Cleaning the windows and mirrors comes next. To accomplish this, wipe them down with a moist cloth or squeegee before wiping them dry with a fresh, clean cloth. Make sure to thoroughly clean the glass on both sides, paying close attention to any streaks, smudges, or fingerprints.

Step 4: Clean Kitchen and Bathrooms

Your kitchen and bathrooms are two of the most important rooms to clean in your apartment, as they are the areas that get the most use and can harbor germs and bacteria.

Start by cleaning countertops, sinks, and toilets, using a solution of warm water and mild dish soap.

Scrub any stuck-on grime or stains and rinse thoroughly. Next, clean the inside and outside of the oven, microwave, and dishwasher, and then move on to the shower and tub. Be sure to remove any soap scum, mildew, or grime and rinse thoroughly.  Once you finish cleaning with cloth or rag, make sure you throw it in the washing machine for thorough cleaning.

Step 5: Mop and sweep the floors

It’s time to sweep and clean the floors in your flat at last. Hard floors like tile or wood should first be swept, and they should then be mopped with a clean, moist mop. Make sure to clean under any furniture and any confined areas, including sinks, corners, and tight spots. If you have carpet, you have two options for deep cleaning it. Either hire a professional carpet cleaner or rent one.

Step 6: Cleaning the light fittings and ceiling fans

When cleaning, ceiling fans and light fixtures are sometimes overlooked, despite the fact that they can accumulate a lot of dust and grime over time.

Use a soft cloth or duster to clear any dust and cobwebs after turning off the fixtures and fans. You can use a wet towel and a mild soap solution to gently clean the fixtures and fans if they are extremely dirty. Ensure they are thoroughly dry before turning the power back on.

Step 7: Clean Walls and Baseboards

Walls and baseboards can accumulate dirt, fingerprints, and scuffs over time, so it is important to give them a good cleaning as part of your deep cleaning process.

To clean walls, use a solution of warm water and mild soap, and then gently wipe down any dirty or stained areas. To clean baseboards, use a damp cloth or mop and a mild soap solution, and be sure to get into any tight spaces and corners.

Although deep cleaning your apartment might seem like a difficult undertaking, it is manageable with the correct equipment and a step-by-step procedure. You may quickly have a clean, fresh, and healthy living space by decluttering and arranging your possessions, dusting and vacuuming, cleaning windows and mirrors, taking on the kitchen and bathrooms, and mopping and sweeping the floors. So get your cleaning tools and gloves and begin your deep cleaning project right away!

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