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Discount Home Improvement
Home improvement can be expensive at the best of times so
finding somewhere that offers home improvement discounts is
essential. Budgeting is also crucial in the quest for a newer
and improved home! People are always striving for better...
Home Improvement Ceiling Fans
Ceiling fans come in a wide variety of styles and colors to match any homeowners interior design wishes. They come with and without lighting. Three to five blades. In colors of black, white, brown, made of wood, covered with animal print...
How To Finance A New Extension?
Want to improve the look of your property? Want to add value to your property?
The extension plans are ready but the finances are not.
Rather than waiting another year why not consider a Home Improvement Loan.
Make the dream become...
Style Your Home With Decorative Plantation Shutters
Choosing plantation shutters for form or function? Plantation shutters offer both to today’s homeowner. These unique window treatments trace their roots to ancient Greece. The Greeks used them for both privacy and security. Interior shutters...
The History Of The Vacuum Cleaner: Perfection Has Taken A Bit Of Time!
The first vacuum cleaner is thought to have been created in the United States, in the mid 1800’s. Today, the vacuum cleaner is found in just about every household in the world! It is depended upon to keep carpets and other floors clean and free of...
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Right To Buy: Your Right To Buy Your Home
Right to buy is one of the most popular policies that have a profound social impact increasing the owner occupancy. Right to buy schemes introduced in 1980 has given the right to tenants to buy their property at discounted rates. More than five million council right tenants have become homeowner through this scheme. You can be a part of the “most important social revolutions of this century” by endorsing council right to buy scheme.
If you are a secured tenant of
· a local authority
· London borough council
· Housing action trust
· Registered landlord (non charitable)
Then you are legally capable of buying the house under the Housing Act. Buying a home can be expensive. Right to buy mortgage can help you meet the cost of home. For right to buy a council tenant needs to have two years public sector tenancy. A new council tenant that is if the tenancy began on or after 18th January 2005 will require minimum five year tenancy.
Before going to right to buy mortgage, calculate the amount you have to pay for right to buy. Most lenders will provide 95%-100% of the right to buy amount. To find such a lender you will be required to do some research. There will be lenders who offer specialized right to buy mortgage products.
Start the day you get council right to buy offer. The time spent on research will be the time well spent. There are companies who may try to contact you with plans to aid you with council right to buy scheme. They may offer all in one packages including mortgage and home improvement etc. this may lead you to take a mortgage deal without bargaining or one that you can’t afford. There may be mortgage lenders who want to tell you that buy to right scheme is nearing closure. That is, however, not true.
Discounts available on ‘right to buy’ can be anywhere between 32%-70%. The discount available with council right to buy is dependent on how many years you have spent as council tenant and the maximum discount limit of your area. Right to buy is available for both houses and flats.
· For houses the discount after two years is 32% and will add 1% for every addition year of tenancy with an upper limit of 60%.
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Flats have discount of 44% after two years and additional 2% for every year. The maximum discount for flats will be 70%.
For the 5 year schemes (tenancy starting after 18th January 2005)
· 35% for houses and 1% for each year spent as a tenant. The maximum limit is 60%.
· 50% for flats with 2% discount for every extra year. The maximum limit is 70%.
There will be different maximum discount limit for right to buy in different areas. For example
· London or south-east - £38,000.
· Eastern Region - £34,000
· South-West - £30,000
· North-West or the West Midlands - £26,000
· Wales, the East Midlands or Yorkshire and the Humber - £24,000
· North-East - £22,000
A right to buy mortgage will not make sense to you if your home is sheltered housing for elderly, only temporary accommodation, or your home is provided by the company you are working with.
Council right to buy would require some documents to be filled as part of the application process. With an RTB1 form you make an application for right to buy. After that a notice form RTB2 form is sent to you telling whether you have right to buy. An important document called Section 125 tells you about the price you have to pay and the terms and conditions. This should to be read carefully.
Right to buy is an opportunity of becoming a homeowner at affordable rates. It is not easy to become a homeowner but it seems like a realistic possibility. Right to buy has encouraged tenants to remain in their neighbourhood and construct stable income communities. With ‘right to buy’ any individual can hope to transform his or her life socially.
About the Author: Amanda Thompson holds a Bachelor’s degree in Commerce from CPIT and has completed her master’s in Business Administration from IGNOU.To find a Personal loans,bad credit loans,Debt consolidation,home equity loans at cheap rates that best suits your needs visit http://www.chanceforloans.co.uk
Source: www.isnare.com
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| Lowe's Home Improvement |
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| "Home Improvement" (1991) |
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| Hometime: Home Improvement, Remodeling and Repair |
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| Home Improvement Encyclopedia |
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| www.homedepot.com/ - 2k - Cached - Similar pages |
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| Home Improvement - Do It Yourself - Home Remodeling | BobVila.com |
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| Research do-it-yourself improvements with home improvement information from our website. Search home repair articles by subject, task or location. |
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| Energy Star Home Improvement Toolbox |
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| www.energystar.gov |
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| Home Tips: The Web's Most Helpful Home Improvement and Repair Site |
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| Home Improvement TV Show - Home Improvement Television Show - TV.com |
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| Home Improvement - Wikipedia, the free encyclopedia |
| From the outset of Season 2, Tim and Al would make a theme of a particular home improvement project or item on Tool Time by hosting a week long "salute" to ... |
| en.wikipedia.org |
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| Home Improvement Archive |
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| DIY Home Improvement, home repair Tips |
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| Amazon.com: Home Improvement: Electrical, Plumbing, Hardware ... |
| Online shopping for Home Improvement from a great selection of Tools & Hardware; Electrical, Plumbing, Hardware, Heating & Cooling, Building Materials ... |
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| Home Improvement |
| AsktheBuilder.com: Build and remodel your home the right way. Learn how the master craftsmen of old built things to last. |
| www.askthebuilder.com |
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