Guide: 10 ways to make the most of your garden in 2021

After a year of lockdown measures, our gardens and outdoor spaces have become far more important. In fact, more than half of people say they get a good deal of pleasure from their garden. With spring arriving, now is the perfect time to invest in yours.

Our latest guide aims to help you get the most out of your garden, whether you love entertaining outdoors, want a space to relax, or even grow your own vegetables. Did you know almost four in ten people already grow some of their own food?

Gardening doesn’t just provide you with a beautiful extension to your home, it can help you remain active and improve wellbeing too. Whether you’re a beginner or a budding Alan Titchmarsh, you should find something in the guide to help get the most out of your garden this summer and beyond.

Download 10 ways to make the most of your garden in 2021 to read more.

We hope you find some useful tips and inspiration for your garden.

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3 misjudged reasons millennials don’t have life insurance – and why they’re wrong

Life insurance is an essential protection choice for many people, as it ensures your loved ones are financially supported when you’re no longer around.

Despite this, just 26% of British millennials have life insurance, with many seeing it as an expensive and complicated product that’s only for older people.

However, life insurance is an important consideration for every adult of every age, especially if you hold a joint mortgage with your partner. Continue reading

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3 important things you need to know if you’re thinking about downsizing

As you get older, you may start thinking about downsizing. Whether it’s because your children have moved away and your home now feels too large, or you want to cash in on the equity in your property, downsizing is a popular strategy for many approaching and already in retirement.

Downsizing comes with various advantages and disadvantages. Make sure you familiarise yourself with these considerations before you start making decisions. Continue reading

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5 ways parents could help first-time buyers onto the property ladder

With house prices at an all-time high, many first-time buyers are struggling to find their way onto the property ladder.

Fortunately, whether you’re a first-time buyer in need of assistance or a parent looking to help your child, there may be strategies you can use as a family to get that first home.

Here are five ways parents can help their children onto the property ladder. Continue reading

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*******STOP PRESS ****** 95% Mortgages re-launched today

First Time Buyers can get on the property ladder with a 5% deposit.

Bank of Scotland infograph

Ahead of the Government backed scheme, that 6 lenders will be part of, Accord Mortgages have launched a 95% loan to value product this morning.

It is a 5 year fixed rate 95% loan to value at 3.99% with a £995 product fee and where needed a free valuation. There is a maximum loan of £500,000 and income loan to income of 4.49 times. We expect only clients with good to excellent credit scores will be able to apply for this.

If this product could be of interest please call the office on 0131 339 2281 to discuss.

The Edinburrgh Mortgage Team

 

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What could happen to house prices in 2021?

House price predictions are famously difficult to make, as the specific circumstances that determine how things turn out will only be known in hindsight.

Nearly every prediction for 2020 will have been blown out the window by the unprecedented pandemic, seeing house prices rise in a seemingly impossible market. Continue reading

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Mortgage deal coming to an end? Why you should always speak to a mortgage broker

Is your current mortgage deal coming to an end? If so, it’s time to consider what you want to do next. There are different options available to you, from doing nothing at all and staying with your current lender, to switching your mortgage to a new lender.

Here’s why it can pay to take expert advice if your deal is coming to an end. Continue reading

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Could a longer “marathon” mortgage be right for you? Here’s what you need to know before choosing a 40-year mortgage

2020 proved to be a whirlwind year for house prices. Despite the economic slowdown caused by the coronavirus pandemic, the average UK house price rose £13,316, with the Times reporting that it reached an all-time high of £230,920. Continue reading

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Income Protection vs Critical Illness Cover – which is right for me?

Unlike life insurance, which pays out on death, Income Protection and Critical Illness Cover both offer a financial safety-net while you’re still alive.

They’re designed to reduce the financial hardship you and your family could suffer if you became ill. Continue reading

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3 reasons you should contact your mortgage broker today

Once you’ve got your mortgage, you might assume that your relationship with your mortgage broker comes to an end.

In fact, your mortgage broker can provide ongoing support in the years and decades that follow. By getting in touch with your mortgage broker, you could save yourself thousands of pounds and protect your loved ones from unexpected events. Continue reading

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