About Us

DenEco Blog by Dennis Bebo is to share professional and personal information, motivation, knowledge and experience in helping all people and organisations in living their dream, reach their full potentials and fulfill their God given talents and purpose.

I am a Property/Energy Consultant TA DenEco Consultancy – www.deneco.co.uk: A friendly, energetic and adaptable individual with keen interest and aptitude for learning and motivating others, with great academic skills and work experience in both Life science and Environmental Management, seeking an opportunity to use his proven flair for teamwork and creativity in Property Purchase, Energy Efficiency, Environmental management for sustainable development and growth in any related sector or industry.
I help individuals, businesses, SMEs and corporate clients save or make money in regards to Property investment, energy efficiency, environmental management solutions.
The foundation of my experience is environmental protection. I have a passion for helping people, businesses and corporate organization achieve their dream through Property Investment and become more efficient and effective in their energy, and environmental management. I get satisfaction from knowing that the work am doing is helping make/save money and the environment.  Contact us @ www.deneco.co.uk
Outside of work you can find me spending time with family, studying and researching for new opportunities and continuous development.
Specialties: Property Investment, EPC provider, Energy Efficiency, Environmental  management.

How to add value to your Property

There are many ways to add value to your property. Here are some tips on how to add value and get the best return on your biggest investment.

  • Kerb Appeal –  Sometimes you only get one change to make a good first impression. Keep the front of your house clean and clutter-free. This will be the first impression of your home. Keep your lawn mowed and weed-free, hedges neat and add some potted plants. Make sure your windows are clean and the front of your house is freshly painted or clean.

Property photo

  • Visibility – Where possible spend money on what can be seen. Visibility adds value. Make the most noticeable improvement on furniture and fittings. Paint all rooms in neutral colours, such as cream or white. Matching your blinds or curtains to the colour of the room will also give the feel of extra space.
  • Light up – Light creates the illusion of extra space and will make your home more attractive. Consider increasing the amount of natural light by adding skylights around your home where possible particularly in hallways, landings and kitchens. Raising ceiling and changing colour schemes will also help.
  • Flooring – Flooring has the biggest impact on the house as a whole. Today carpets are no longer desirable in certain areas of the house. Current trends and suitability should dictate what flooring to use where; generally hard flooring (tiles and wood) downstairs and in bathrooms, and carpets in bedrooms for added comfort.
  • Kitchen dinner – The trend towards using the kitchen as a family and entertaining space, instead of somewhere to simply cook dinner, means your kitchen can add greatly to the overall value of your property. Kitchen is usually one of the main selling points in a property and it is also one of the most expensive to completely redecorate. It is not advisable to rip out your kitchen and start from scratch if it is not affordable for you to do so. Changing fixtures and fittings, replacing cabinet doors and adding a worktop will greatly enhance the look of your kitchen.

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  • Bathroom – Bathrooms can really benefit from little improvement and decoration which can add value to your property. Trends has moved towards neural colours, large tiles and mosaic tiles for bathroom walls and floors. Keep your bathroom clean, re-grout tiles and add nice towels, new mirrors, chrome fixtures, a heated towel rail and matching accessories. If possible and affordable add sought after extra touches like a power shower, a Jacuzzi bath and double sinks to give you a great return on your investment.
  • Eco Living – Eco living in now the trend. Making your home energy efficient will not only add value to your property, but will also increase the overall comfort and reduce the cost of energy bills. Installing double glazed windows, energy efficient heating and cooling systems, wall and loft insulation, energy efficient lighting and solar powered systems are great ways to increase the value of your property. Due to new Building Regulations the required standard of energy efficiency in property is now very high and will only get higher as technology develops.
eco-house
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  • Open Plan Living – Open plan living has become popular with kitchens, living rooms and dinning areas being used as one large family and entertaining space. Knocking down walls to create a better flow can be an inexpensive option when trying to add value to your property. If the walls are not load-bearing it is a quick process and less expensive. If they are, it will be more complex, expensive and you will need planning permission.
  • Garden – if you have a garden or courtyard, make use of it. It can be an excellent selling point and a well-groomed garden or courtyard will definitely add value to your property. No matter the time of the year, buyers and guest will be imagining areas for entertaining, barbecues and space for children to play.
  • Extension – Extension can add value to your property especially if you are extending the kitchen area or adding extra bedroom. Beware; it will mean a smaller garden, so ensure the interior and exterior of the house are proportionate. Seek professional advice and use processional trades men. You may need planning permission, it is advisable to contact your local planning authority before going ahead.

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

UK house price growth hits eight-month low in September – Nationwide

Report by LONDON (Reuters) – British house price growth touched an eight-month low in annual terms in September, adding to signs that the market may be cooling again ahead of the October Brexit deadline, a survey showed on Tuesday.

DenEco Products and Services - Property Services and more 2014-05-27 14-58-35

House prices rose 0.2% on the year, slowing from a 0.6% increase in August, mortgage lender Nationwide said. A Reuters poll of economists had pointed to a 0.5% rise.

In September alone, house prices fell 0.2% against expectations for a 0.1% rise.

https://uk.reuters.com/article/us-britain-economy-houseprices/uk-house-price-growth-hits-eight-month-low-in-september-nationwide-idUKKBN1WG2Y4

 

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

How to Save Energy at Home to Save Money & the Planet

Climate change is upon us and we must all start doing something now before it is too late. They say charity begins at home and if we must succeed in reverting the effect of climate change, we must all begin from our various home.

Greta

A quick glance through the list below will show you how easy it is to make real energy savings by following a 12 simple do’s and don’ts that will make significant impact to the fight against climate change and also make you big savings from energy bills. Even little things such as not leaving your TV on stand-by or checking furniture isn’t placed too near radiators or heaters will make a big difference to how much energy you use and how much money you save. It’s Win-Win for all.

eco-house
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  1. Do think about turning your thermostat down by just 1°c as this can cut up to 10% off your energy bill
  2. Don’t leave central heating switched on if you don’t need it. Background heating is only needed if the temperature is freezing or if you are are going away for a few days and should be regulated by a programmer and room thermostat
  3. Do close your curtains at dusk to keep heat from being lost through the windows. Also make sure curtains are placed behind radiators, to keep the heat in the room
  4. Do open doors in sunny rooms and let warm air into other parts of the room
  5. Do turn off lights when you leave a room. Beware of leaving dark areas which might be dangerous for children and the elderly
  6. Don’t use more lights than you really need to during daylight hours. Ensure your curtains or blinds are adjusted to let in as much light as possible
  7. Do fit an energy saving light bulb if you use a light for an average of three hours a day or more. It uses around a quarter of the electricity and lasts eight times longer than an ordinary light bulb
  8. Don’t forget if you fit lower wattage bulbs in main lights, directional lights can be used for reading and sewing. Make sure you have adequate lighting in areas such as hallways
  9. Do make sure you defrost your fridge regularly as this will help keep it running efficiently, and reduce running costs
  10. Do always put the plug in a basin or sink. Leaving hot water taps running without the plug in is both wasteful and expensive
  11. Don’t have your water to a scalding temperature. For most people, setting the thermostat to a level of 50°c to 55°C is quite adequate.
  12. Do make sure you buy eco friendly and energy efficient products. Always remember to Reuse, Reduce and Recycle as much as you can

buying-green

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

How to increase your Credit Score for a successful UK Mortgage

To get a mortgage in UK to buy a property, you will need to have a good credit score. UK mortgage lenders are required to carry out a credit check to access your present and past financial liabilities and details of how they are managed.

Credit score can affect mortgage eligibility, deposit requirement and rate. Other factors are also used.

Good-Credit-Score

Below are major steps you can take to increase and improve your credit score;

  1. Prove where you live.
    Register on the electoral roll at your current address – you can do this even if you’re in shared accommodation or living at home with your parents.
  2. Build your credit history.
    Having little or no credit history can make it difficult for companies to assess you, and your credit score may be lower as a result. This is a common problem for young people and people who are new to the country. Luckily, there are some steps you may be able to take to build up your credit history. default
  3. Make payments reliably.
    Paying your accounts on time and in full each month is a good way to show lenders you’re a reliable borrower, and capable of handling credit responsibly. Old, well-managed accounts will usually improve your score – although be sure to read about the potential impact of unused credit cards.
  4. Keep your credit utilisation low.
    Your credit utilisation is the percentage you use of your credit limit. For example, if you have a limit of £2,000 and you’ve used £1,000 of that, your credit utilisation is 50%. Usually, a lower percentage will be seen positively by companies, and will increase your score as a result. If possible, try and keep your credit utilisation at 25%.
  5. Limit credit applications.
    Applying for credit frequently in a short space of time can make lenders think you’re overly reliant on credit and therefore a higher risk. It doesn’t matter what form of credit you apply for, or how much you’re asking to borrow – each application will record a hard search on your report which companies can see. So, try to space out any credit applications – a good rule of thumb is no more than one every three months, but remember lenders’ criteria can vary. credit-score--mortgages_52572463eb46d_w1500
  6. Consider closing unused accounts.
    Having a large amount of available credit may make lenders think you can’t handle more. So, you may want to close any dormant credit accounts. Read more about deciding what to do with unused credit cards.
  7. Avoid delinquent and defaulted accounts.
    Delinquent accounts happen when you’re late on payments, and defaulted accounts are when your relationship with the company has broken down, usually because several missed payments. Both will harm your credit score.
  8. Only borrow what you can afford.
    Getting into trouble with debt may lead to things like County Court Judgements (CCJ), an Individual Voluntary Agreements (IVA) or even bankruptcy. These things will stay on your credit report for up to six years and will put a big dent in your credit score.
  9. Keep an eye out for fraudsters.
    Keeping a close eye on your credit report and looking out for any signs of fraudulent activity could help protect your credit score. If you see a surge in the amount you owe, or any applications you didn’t make, you may be a fraud victim. Note that if you do become a victim of fraud, your lenders should fix any damage to your score quickly.

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

 

Help to Buy ISA will end on 30 Nov. 2019

Getting into the UK property market as a first time buyer can be daunting and very difficult, especially saving for deposit as average UK property prices and living expenses are expensive.

If you’re dreaming about buying your first home within the next 10 years, the Help to Buy ISA could be the savings account for you. It lets you save tax-free, gives you instant access to your cash, pays a competitive interest rate, and when you buy your first home you can claim a 25% government bonus on amounts saved between £1,600 and £12,000.mortgage-imagery-homes-made-from-twenty-pound-notesYou can only open a Help to Buy: ISA until 30 November 2019. After this date, the account will not be open to new savers, as the government is closing the scheme.

Even if you’re not planning on buying any time soon, or are unsure of your future plans, you can still open a Help to Buy: ISA with as little as £1 today, and continue saving into the account up until 30 November 2029. The government will boost your savings when you buy your first home up until 1 December 2030.

You can earn a competitive interest rate which will help your savings grow – up to 2.58% AER per year/2.55% or more tax-free per year variable depending on the bank or financial institution current interest rate available.. You can pay in up to £1,200 in the first calendar month, then up to £200 per calendar month afterwards.

Because it’s an ISA, interest paid on the account will be tax-free – just remember you can only pay into one cash ISA per tax year.

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

 

I am a First Time Buyer. How do I choose the best Mortgage?

As a first time buyer, the property market and process can be very complicated and stressful. To most this might be the biggest purchase or investment they will have to make in their life, so getting it right is very important to avoid unnecessary risk and costly consequences.

The aim of this article is to make you understand the basics of mortgage as a first time buyer and how to get the best mortgage that meets your need and financial circumstance.

PIPA property photo

We will start with knowing what is a mortgage and the basic requirement for a mortgage application.

What is a Mortgage?

In basic terms, you take out a mortgage from a mortgage lender as a long term loan to make payments on a property.

The mortgage lender has the option of taking possession of the property and selling it on if the mortgage repayments aren’t made. This is so that the lender doesn’t lose money as they would be making it back from the property sale.
Any time you take out a mortgage, the loan is then split into two aspects. One of which is the interest , which is what the lender charges for lending the money. The other is the capital, which is the actual amount of money used to purchase the property.

How much can you borrow?

The actual amount you’re eligible to borrow will be determined by the cost of the property you wish to purchase and by how much money you make.

As a first time buyer, you can borrow up to 95% of the property value. It is advisable to have more percentage deposit if affordable to get the best rates available. Also there are considerable amount of fees to pay during and before completion.

There are even some lenders that will go to 100% – however more often than not, you will be made to pay over the odds for this and will most likely be made to purchase mortgage indemnity insurance in addition.mortgage-imagery-homes-made-from-twenty-pound-notesThere are some that will, in rare cases, lend over the 100% mark, although there will be circumstantial rules that must apply.

There is a general rule of thumb that you can borrow around three and a half times the amount you earn annually. The actual figures differ between different mortgage lenders.

A little secret: If you have a good credit history and a regular income then you are quite likely to be offered the finance relatively easily.

How to get the best UK Mortgage as a first time buyer?

Well it depends on your need and financial situation. As a first time buyer, you are likely to have some particular requirements.

You will probably have a very small deposit or possibly no deposit at all.

You may be having to push your budget to the limit just to afford a mortgage, but are determined to get a foot on the property ladder.

One thing that applies to almost all types of UK mortgage is whether you should choose a  fixed rate mortgage or one with a variable interest rate.

The best choice depends on your own circumstances and to an extent on interest rate levels at the time, but things to consider are:

  • Can you afford to have your payments go up each month? This could happen with a variable rate mortgage.
  • Are rates generally low at the moment? It could be a good time to get tied into a fixed rate mortgage.
  • Do you want the security of a fixed monthly payment for several years? Fixed rate periods from 1 – 10 years are available.
  • Are you having difficulty borrowing enough money? An interest only mortgage can mean lower monthly repayments ie you can borrow more against your salary. But there are drawbacks.

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk