Home decoration: Three walls to use wallpaper

Wallpaper is one of the most versatile ways of decorate your home because it can add colour, texture and pattern all in one. Best of all there is an amazing variety of designs to choose from to suit all tastes and budgets; Bold patterns, Paintable designs, Metallics and even Handmade.

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Bold pattern wallpaper

The three ways to use wallpaper are;

  1. Use it as a feature wall – With just one feature papered wall, it’s easier to be more adventures and choose a bold design which will really make an impact.

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    Paintable wallpaper
  2. Choose two contrasting wallpapers – You can add interest to your walls by hanging two wallpapers in different designs, perhaps one striking and one subtle pattern.
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    Metallic wallpaper

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    Handmade wallpaper
  3. Match wallpaper with fabrics – The trend is to use the same design on both your wallpaper and fabrics, either in a similar colour, a contrasting shade or complimentary pattern

 

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

UK biggest property investment firm M&G suspends fund withdrawals

Investors in the UK’s biggest commercial property fund – worth £2.5bn – have been temporarily prevented from taking out their money.

Investment firm M&G said withdrawals from its property portfolio fund had been suspended after investors consistently withdrew their savings.

The firm blamed “Brexit-related political uncertainty” and difficulties in the retail sector for the situation.

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The fund has shrunk by £1.1bn so far this year.

“Given these circumstances, we have now reached a point where M&G believes it will best protect the interests of the funds’ customers by applying a temporary suspension in dealing,” M&G said in a statement.

It has waived 30% of its annual charge to investors, as they were unable to access their money, although some have called for action from the regulator on such charges.

The M&G Property Portfolio has invested in 91 UK commercial properties across shopping centres, other retail, industrial and office sectors on behalf of UK investors.

The same fund was suspended in July 2016 for four months following the UK’s EU referendum when money flooded out of such funds.

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Investors range from armchair, retail investors to institutional investors, dealing with millions of pounds.

M&G has been unable to sell properties fast enough, particularly given its concentration on the retail sector, to meet the demands of investors who wanted to cash out.

The decision to suspend the fund, and its feeder fund, was taken by its official monitor – its authorised corporate director – and the City watchdog has been informed.

“The FCA is working closely with the firms involved to ensure that timely actions are undertaken in the best interests of all the fund’s investors,” a spokesman for the Financial Conduct Authority (FCA) said.

M&G said the suspension would be monitored daily, formally reviewed every 28 days, and would only continue “as long as it is in the best interests of our customers”.

This will allow assets to be sold over time, rather than as a fire sale, in order to meet investors’ withdrawal demands. The firm has written to investors to explain the current situation.

Source: BBC News

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

Making space in your home

Space – some of us have it and some of us don’t, but whether you live in a five-story mansion or a compact studio flat, you’ll want to make the most of every square inch you have. Luckily there are few tips that could get you making the best space from your home – whatever its size.

 

  • With a little creative thinking, any look can be created, despite the architectural restrictions, for example a lower ceiling immediately makes a large room feel cosier or a dropped lighting raft adds elegance and a desire mood to a room.
  • Having simple furniture that you can see through, such as the fine wishbone chairs, minimises fuss and helps make the room look bigger.
  • To make a space look more interesting, add small but significant details such as side and table lights, spotlights, handles on wardrobes, doors and units.
  • Textures add warmth and comfort to a room for example chenille, brushed cotton and velour will really help to warm up a space if it feels a bit corridor-like.

 

Thinking of buying a property?

Need help with 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

US tech giants pledge billions of dollars in housing development

As the tech industry has boomed, home prices and asking rents in such areas for example the Bay Area have roughly doubled over the past decade, becoming by many counts the highest in the US.

Last month, the San Francisco Association of Realtors said the median home price in San Francisco had hit $1.4m. The average asking rent exceeded $3,200 per month, according to research firm Moody’s Analytics-Reis.

RVs line Bay Road in East Palo Alto, California

Wages in the area have increased as well, but not as fast as housing costs.

A family needs to earn $126,800 a year to rent a typical two-bedroom property in San Francisco without spending more than 30% of their income – the share typically considered affordable. In 2017, about 40% of Bay Area renters spent more.

The high costs are forcing companies to pay more and work harder to find staff, one reason the tech firms have taken an interest.

For the most part, their pledges aren’t philanthropy.

Apple is lending the state up to $1bn to help finance affordable housing projects and providing $1bn to California’s first-time homebuyer fund.

Painted Ladies in Alamo Square, Victorian-style houses in the residential area of San Francisco with downtown in the background,

Google and Facebook also plan to invest hundreds of millions in new housing. Land owned by the tech companies that will be made available for housing construction accounts for another major part of the commitments – a full $750m worth in Google’s case.

Such large promises are “unprecedented”, but a lack of detail makes them hard to evaluate, says Carol Galante, director of the Terner Center for Housing Innovation at the University of California, Berkeley.

“It’s in their self-interest but it’s also obviously in the community’s interest.”

Multinational businesses all over the world should borrow a leaf from this and invest in housing to solve the global housing crisis.

Source: BBC News

 

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

 

Property Purchase: What does tenants in common & joint tenants ownership means?

In UK property purchase in spite of the word ‘tenants’, this has nothing to do with renting the property. It’s all to do with what happens if one of the property owner dies.

Joint tenants – If your names are written on the deeds as ‘joint tenants’ then if one of you dies the other one (the survivor) gets the whole of the property straight away.

Tenants in common – If your names are written on the deeds as ‘tenants in common’ then if one of you dies, the will is examined to see what should happen to their share. If there is no will, there are rules about this and they should be followed. Tenants in common is usually used where either party has children by a previous relationship and wants to make sure that on their death, their share of the house goes to their children.

If one person is putting more than the other then as tenants in common you can hold it in unequal shares for example 70 per cent to one, 30 per cent to the other. However in this case you should consider drawing up a Trust Deed as well to protect your interest. It is best to seek professional and legal advice.

 

 

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

Buying a property: Do I need a survey?

The Key to a happy home purchase is knowing what you are buying. Estate agents and mortgage advisers won’t tell you if you need a survey or not. It is not their job to tell you what advice you need to get before buying. It is up to yo to make seek professional advice.

All you need to know about survey;

A property survey is a detailed inspection of a property’s condition. The surveyor inspects the property and tells you if there are structural problems like unstable walls or subsidence. They will highlight any major repairs or alterations needed, such as fixing the roof or chimney chute. The amount of details that shows up in a survey will depend on the type of survey you chose. The minimum requirement for mortgage lenders is generally a valuation – this basic report merely confirms the price is right and that the property is adequate security for a loan. This is not a survey.

The next level up is HomeBuyer’s Report, which will tell you of major issues that could affect the value of the property. and may advise more specialist reports need to be carried out for woodworm or damp, for example. The most comprehensive report is a building survey, which involves an in-depth assessment of the house and should uncover any issues that are likely to need your attention, including the need for more special reports.

Surveys are a key part of the buying process and can potentially make or break a deal. You shouldn’t underestimate the importance as your property survey will highlight any issues in the house before you legally purchase it.  Often in most cases the buyer would negotiate with the vendor to reduce the price of the property by the amount required to fix the issues identified in the survey.

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