February: it’s all about Valentine’s Day. But did you know that on the 15th, the world celebrates Singles Day? From having the whole bed to yourself, to never having to compromise on dinner choices, there are plenty of benefits to single life – but it can make buying a property more difficult. In fact, research has shown that it takes the average single income house hunter an incredible 13 years to save for a 15% deposit!
If you’re looking to buy a property on your own, read on for our top tips…
- Understand changes to taxation: All homes under £300,000 will now not have to pay any Stamp Duty. For those looking to cut back on the costs of buying their first home on their own, significant savings can be made by looking at homes under £300,000.
You can find all of our current properties priced under £300,000 here.
- Take advantage of financial schemes: Government schemes such as Help to Buy provide financial assistance to those looking to buy a new home. The scheme allows house hunters to save just a 5% deposit to secure a Government loan of up to 20% of the cost of a newly built home.
If you’re interested in taking advantage of Help to Buy, why not take a look at our new build properties such as these plots in Crewe, Whitchurch and Tarporley?
- Shop around: Make sure you shop around for the best mortgage deals. Speaking to a mortgage advisor, as they will be able to look at your finances as a whole and advise the best providers to approach. If new house hunters are unsure where to start, new home builders such as Miller are able to share their trusted contacts to help.
If you need help finding a financial advisor, give your local branch a call – our experienced teams have plenty of trusted contacts.
- Budget, budget and budget some more: There’s no doubt about it, even with schemes, being price savvy and getting the best mortgage deal – buying a house means cutting back and putting away some savings. There are loads of small lifestyle changes you can make to start saving: try making your own lunch instead of buying it from a café when you’re at the office, buy your non-perishable essentials in bulk and try working out from home rather than expensive gym memberships.
There are even smaller money saving changes you could make which help the environment too – check out our blog brimming with energy saving tips.
If you’re looking to move to a new home with a single income, do not hesitate to get in touch and let us help you find your dream home.
Derbyshire is a county that offers the best of both worlds. On one hand it’s home to the breathtaking views of the Peak District National Park and on the other, it offers a cosmopolitan contrast with Manchester and Sheffield only a one-to-two hour drive away.
Things To Do
For fans of classic literature, living in Derbyshire you’ll never be too far away from a beautiful country house. You can visit Chatsworth House in the delightful market town of Bakewell, thought to be the inspiration for author Jane Austen’s Pemberley in the novel “Pride and Prejudice”. The stately home Haddon Hall is also nestled in Bakewell, where you can immerse yourself in the history of the Tudor architecture and Elizabethan gardens – both filmed for three versions of “Jane Eyre”. As one of England’s finest medieval manor houses, it has also been featured in “Pride and Prejudice”, “The Other Boleyn Girl” and the cult classic “The Princess Bride”.
After taking in the beauty of these country homes in Bakewell, you simply can’t pass up the opportunity to visit The Old Original Bakewell Pudding Shop – after all, the town is famous for it. You can even get involved with the baking yourself and have your very own pudding making experience!
If you love to get lost (but not too lost) in the outdoors, the Peak District offers an array of adventures, from rock climbing and potholing to rowing and kayaking: the opportunities are endless. The Heights of Abraham is a famous attraction of the Peak District, where you can take a cable car to soak up the natural beauty of Derwent Valley. There’s no experience like it in Derbyshire – it must be at the top of your list!
Call Derbyshire Home
If you love the countryside but currently reside in the city, Derbyshire could be your answer. Can you imagine yourself finishing the working day in the city and then retreating to the calm surroundings of Derbyshire?
Our Buxton office has a whole host of Derbyshire properties on offer, such as Beech View Drive in Buxton, a 4 bedroom detached family home with both a modern exterior and interior. The rear garden also features a decking area and a pergola ideal for entertaining guests.
Located next to The Pavilion Gardens and The Buxton Opera House is a 2 bedroom second floor apartment, in a sought after central location and just a 10 minute walk from the train station. This property is perfect for couples and first time buyers.
If the idea of living in Derbyshire ‘peaks’ your interest then why not get in touch with our Buxton office to discuss what’s on offer for you?
The beginning of the new year: a universal time where we all feel a little short on cash after festive spending. With the post-festive blues settled in, it certainly doesn’t seem like a wise time to be saving money by cutting down on meals out or trips with friends. So, instead of sitting miserably at home, we’re sharing our 3 top tips on how to save money by cutting down on your energy bills instead!
It’s so much easier than one may think to start seeing those pennies turn into pounds by making some simple lifestyle changes. We’re not going to give you the old tropes we hear every year such as ‘put a jumper on if you’re cold’ and ‘turn off all lights when you leave the house’ (though we will add a version of this) – we’ve heard them all before – but real, achievable changes which can save you money over the weeks, months and years.
As we said, we’re not going to tell you to stick on a jumper and forgo central heating. Of course, it’s not smart to be walking round in shorts and t-shirt with the radiators on full blast, but we all know that sometimes we really do need the heating on! A far more achievable way of saving money on your central heating bills is to only heat the rooms you actually use. If you usually eat in the kitchen, there’s no need to have the radiators on in the dining room until you have guests round; if you tend to spend your evenings in the living room, don’t turn your heating on in the bedroom until an hour before you head to bed.
We promised that light switches would make an appearance! We all know that we should be turning all lights off when you leave the house, but it’s time to really think about whether electricity is always the way to light up your home. When you’re settling down after dinner, why not skip the light switch and reach for the matches and light candles around your living room? Not only will you save on your energy bills, but it will help being the ever-popular cosy hygge feel to your home and help encourage relaxation.
Our final tip is to clean smart! Only put your clothes in the washing machine if you have a full load, and the same goes for the dishwasher. If the dishwasher isn’t quite full by the end of the day, simply wait until the morning so that the breakfast dishes and cups can be put in there too. If you really need one item (best shirt for a meeting, favourite wine glass…), simply wash up by hand! It’ll take a little more time, but will save money in the long run.
So don’t go without your weekend meal out or midweek cinema trip to save money this month, simply be more mindful in how you use energy in your home! If a new home is what you’re saving for this year, why not check out our huge range of current properties?