What is a high-efficiency condensing boiler

For the best efficient space heating and hot water heating boiler for domestic property, a high-efficiency condensing boiler is the most recommended. A high-efficiency condensing boiler works on a principle of recovering as much of the heat normally wasted from the flue of a conventional (non-condensing) boiler as possible.

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A modern high-efficiency condensing boiler has a much larger heat exchanger. The heat exchanger is designed to extract over 90% of the wasted heat from the fuel it burns which would normally be lost to the atmosphere through the flue, and recycles it back into the heating system. By fitting a condensing boiler and improving your heating See the source imagecontrols, you could cut your carbon footprint by nearly two tonnes and save as much as £275 a year on utilities bills.

A combination boiler can be more efficient as it also supplies hot water to your home, this option is most suitable for smaller homes. Ask your installer about what’s best for your home.

High-efficiency condensing boilers are the most energy efficient and can save you up to a quarter on your heating bills once you replace your old boiler and heating controls.

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

 

5 tips on how to stay on top of your finance & mortgage

Knowledge is power – People are living increasingly hectic lifestyles and this lack of spare time means many mortgage-holders put reviewing their finances and mortgage. Keeping on top of your money matters should be a priority and doesn’t necessarily have to be a laborious, time consuming task. And, the reality is that circumstances change – interest rates fluctuate, commodity prices fluctuates, our personal situations change, such as jobs and family affairs – so being equipped with knowledge about the health of your finances and planning ahead is a necessity to overcome most financial challenges in life.

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How to review your finance and mortgage

  1. Check your current statement(s) – to see what you’re paying, when any special deal or contract ends, what happens at the end of your deal or contract and the balance left to pay.
  2. Check if you’re still on a good deal – compare like for like current market deals or contracts.
  3. Check if and when you can switch – to get a better deal if available.  It makes sense to start shopping around a few months before any special deals ends. Switching can cut down your monthly payments but you’ll need to weigh up theses monthly savings or other benefits against the costs of making the switch.
  4. Make a list of all your incomes and expenses – prioritise your mandatory expenses and work on maximising your disposable income by reducing where necessary your lifestyle expenses.
  5. Make saving a habit – save as much as you can not just money but energy and the environment. Remember the saying ‘if you fail to plan, you have already plan to fail’.

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

HMRC: UK residential property transactions rise by over 6%

The number of residential property transactions rose by 6.2% from November to December, HMRC’s Property Transactions Statistics have shown.

There were 104,670 residential property transactions last month which is up 6.8% year-on-year.

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Similarly, the number of non-residential transactions increased by 13.4% from November and 0.8% from December 2018.

Gareth Lewis, commercial director or property lender MT Finance, said: “The back-end of the year saw an increase in activity and purchases after the general election as a lot of transactional flow held off until after the result was known.

“Estate agents and lenders were extremely busy as people were keen to get on with things.

“There is a positivity around transactions and market sentiment that we haven’t seen for a while – maybe we are seeing the green shoots of spring appear a little earlier than usual.”

Source: Mortgage Introducer

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

How to identify a cowboy builder

One of the most important decision you are likely to make when undertaking a building project of any size is that of employing the services of a builder or contractor. These decisions can be narrow down by making the right enquiries and only inviting appropriate  builders or contractors to quote in the first place.

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Before making the all-important decision of awarding the contract to a specific builder, it would not be unreasonable to ask to see work on which they are currently engaged. Seeing at first hand how they treat the client’s property and how they work will give you an idea of what to expect if you do decide to employ them. See the source image

Some tell-tale signs of bad building practice and irresponsible behaviours would be:

  • Untidy site
  • materials poorly stacked and unprotected
  • lack of signs generally
  • loud radios
  • poor site facilities
  • workers not wearing Personal Protective Equipment
  • poor standards of work
  • signs of burning material on-site
  • inadequate security, e.g. no fencing (if appropriate).

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

UK Soldier commit suicide over £13k debt used for property investor training

A soldier killed himself after paying £13,000 for training with a property company that promises to help people become “financially free”.

The family of army reservist Danny Butcher, 37, said he never made the money he thought he would.

Dozens of people want refunds from Property Investors, which has been described as operating like a “cult”.

The company, run by former illusionist Samuel Leeds, said: “People should only purchase courses they can afford.”

Mr Butcher, from Doncaster, had spoken about his mental health in the past and his family said he had existing debt before he took on loans and credit card debt to pay Property Investors.

His family said he had been led to believe he would make enough money from property deals and rental income to replace a wage or salary.

Mr Butcher’s widow Charlotte, 32, said: “I think that he felt that he’d let everyone down, that he’d messed everything up and that there was no way out of it.

Danny and Claire on their wedding day
Mr Butcher took his own life just 11 weeks after his wedding

“All he wanted was his own chance at making something of himself for me and his son, he saw this as his opportunity.

“Obviously taking out all of the loans, he put himself on the line, but it was a bit like ‘yeah it’s scary but without risk there’s no reward’.

“He genuinely thought this was his chance because of how easy they made it all sound.”

Property Investors puts on free two-day crash courses, offering people the option to sign up to a training academy where they will learn how to become “financially free” by investing in property.

The company described Mr Leeds as having “found his own success” after attending training courses, with his wealth coming “primarily from his property investment activity”.

Mr Leeds posts videos on YouTube nearly every day promoting his methods. In one he joked that he would punch people in the throat unless they subscribed to his YouTube channel.

In one clip he promises to work one-on-one with his customers, to provide “a custom, tailored, bespoke plan” and “hold your hand, make it happen”.

Mr Butcher attended a free course in March with his brother-in-law Glyn Jones.

Mr Jones said: “It felt like brainwashing, like a religious cult kind of thing but done on a much smaller scale.

“What he’s offering never appears, I don’t see how it can.”

According to his wife, Mr Butcher’s “gut instinct” told him not to sign up for the academy and he held out for two days before changing his mind, swayed by the promise of exclusive mentorship and one-to-one training.

Mr Butcher’s family said he did not get the support he had been promised.

The company said academy members had access to weekly video calls and monthly webinars with specialist property coaches.

After failing to make any money, Danny Butcher took his own life in October.

Source: BBC News

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk