In Buying a Home Buying a House First Home First Time Buyers House Hunting life lifestyle Property Ladder Viewing Properties Viewings

Buying a House: House Hunting

You've spoken to your mortgage adviser and found out what you could borrow roughly, now it's time to take the plunge and start house hunting, but where do you begin. There are a lot of places to look and there are thousands of houses on the market, where you begin is a real struggle.
(Image from Google)

First things first, you need to decide where you want to live, this narrows the search down massively. It also allows you to see all areas in that particular area that you would love to live in. Knowing what your after will help narrow your search down further such as whether you want a house or flat, off road parking, large garden and specifics like that.

Now it's time for the hunt. Head online to places like Right Move and Zoopla or head to the areas local estate agents to have a look at the properties on the market. The online sites are great at narrowing down the search as you can select the musts for your property. For me and Bruce with used online sites as we don't live in the area and it makes life a whole lot easier. Having a collection of properties on your phone with tones of photos is great, perfect for our busy lifestyles. Plus, you can just email the estate agents for the booking a viewing.

For me and Bruce, we looked for several months before we met with our mortgage adviser, so once we knew who much we knew what to look for. We found a few houses which we really liked and decided to email in to book viewings. Generally, the estate agents will contact you back with availability to view the property, except Purple Bricks, they send you a provisional booking with a chance that it can be cancelled. I know this as it happened to us with one of the properties which we were going to view. I must make this clear now though and it took me by surprise, estate agents aren't open Sundays and some are only open mornings of Saturdays. It seems mind boggling as usually people have Saturday and Sunday off, for me and Bruce the guaranteed day we have off is a Sunday. But, this is not to say you cannot look at a property on a Sunday, as sometimes the current home owner can take you round. Personally, it is a little awkward when the home owner takes you round as they don't know all the jargon estate agents know. Also the home owner may allow you to walk around on your own, which doesn't help when you want to ask a few questions.

(Image from Google)

Your booked in and ready to go, next step is the viewing. You can find a list of questions to ask while viewing the property online and they are great as prompts to ask if they are not answered. But, there are a few things to keep an eye out of when viewing a property;

  • Check windows/window seals. These show heavy areas of mold and damp if the area is not well ventilated. It can also show issues with condensation or misting of glass if the double glazing has failed. 
  • Check wall edges (top and bottom). This again can show damp/mold areas, especially in corners. 
  • Check radiators. Funny check but actually it is very important to know the heating for the property. I have seen some with no radiators which from stories from friends is the worst in winter. 
  • Check the number of plug sockets. This brief check lets you know whether you need to create some more plug sockets or not. In an age of technology you will need as many plugs as possible.
  • Check for an extractor fan in the bathrooms. This is a must and you need to way up whether you can install one if there isn't one. Without an extractor fan the moisture from baths/showers will just build up in the room and can go on and produce the best environment for mold. 
  • Check the bottom edges of fitted kitchens. Weird but actually can give you a great idea on the age of the fitted kitchen. I would also ask when the kitchen was fitted as if the bottom edges are starting to rot out and the kitchen isn't that old it could indicate a damp problem. 
  • Check for air bricks. These funny looking bricks are situated top and bottom of the outside of the house and have a major job to do. These bricks are designed to allow are flow through the house where timbers are situated. They are a must with timber as the timbers can become damp and start to rot without them. This can cause mold as well as serious structural issues. 
  • Check what face is your garden. This is an optional check but a must if it states south facing garden. Phones now have there own compass and it takes two seconds to check if a south facing garden is what you really want. 
(Image from Google)

When viewing a property, take your time and ask questions. This helps give you more of an insight into the property and helps making a decision better. As study found that the more time you spend at a property the more likely you are to purchase it. When you view a property you know what you want and don't and the outside doesn't always show what is inside. For us, we view properties which were great online but inside were too small or had evidence of mold. 

Once you've view the property, I would have a look around. If you drive you could park slightly out the way to give you a chance to view the area as a whole. I would then sit down and right pros and cons about the property. I would say to do this just after you have left while everything is fresh in your mind. This pros and cons list really help narrow a property down and if you are joint sharing you can both share your views on the property. You'll find chatting about the pros and cons highlight things that you or the other didn't notice or think about.

(Image from Google)

After looking at a few varied properties (never look at just one and go for that as you'll miss something better) look back at your lists, especially if there is a property that you cannot stop thinking about. This could be a few days after you see the property. For us we asked each other could we see ourselves living there and we were agreed but not strongly. This is where a bit more searching beings, looking at crime rates, local amenities and potential in the property. This added an extra day to our discussions but was well worth it as it made up our minds on the property. 

You've made the decision it is time to put in an offer. This is another post to itself so I'll stop it here.

Happy house hunting!

Stay Gorgeous
XOXOX

Read More

Share Tweet Pin It +1

0 Comments

In beauty beauty review Eyes face Highend Huda Beauty Huda Beauty Review Lips makeup Makeup Review New Nude review

Huda Beauty || Review

I have been meaning to write this review since Christmas and just haven't got round to it, but here we go.
If love can be found in a makeup palette then this is it. When I saw this online everyone was raving about it, saying how beautiful the shades were and how unique the pigments were. It always seems like a lot of hype when a new palette comes out and I wasn't completely convinced on this palette. Hearing so much great stuff about the palette, I caved and had to pick it up. And let me say that the comments weren't wrong, this palette is beautiful. Perfect blend of natural nude matte shades along with 2 glitter shades and 4 beautifully blended pigments. The shades feel creamy and blend like a dream, a great palette that will work for both day and night. It is on the pricey side but completely worth it.

I am a girl who loves high coverage, it covers blemishes, redness and uneven skin tones, working well for oily skinned makeup lovers. This concealer is just that, a high coverage concealer that blends into the skin great. I picked up two shades recommended to me through the pick sheet on the Huda Beauty website (based on foundation shade). Now, this is where is got a little disappointing, the lightest shade, supposed to be for highlighting, was way too light to the point it was white. This doesn't sound like a bad thing until I tell you that it made me look like a ghost. The second shade is the next up and doesn't leave me looking like a ghost but doesn't really give me much highlight. I wish there were a few shades between the first shade and the second just to cover those who aren't completely pure white.



Other than that the concealer is heavy duty and lasts all day. It has a thick consistency and dries really quickly, and trust me a little goes a very long way. The best part is for us oily skinned people, it doesn't oxidise so it stays the shade it starts as. Being very thick it does take time to blend it out but does leave a flawless finish. For the price I would say there is something a little better out there for cheaper, but if you have your heart set on this concealer, I would go for the conceal shade and not the highlight shade.



I love loose powder to set my makeup, it has to be transparent but it really helps set my face for long wear. So, when Huda Beauty came out with a powder and everyone raved about it I had to give it a go. Out of all these products, by far I think that this is a bit of a waste of money. The packaging is beautiful and looks really professional, the powder is transparent and fine. But it has a horrible scent, similar to the foundation but a little more stronger. Which if your already wearing the foundation, really amplifies the smell. The product isn't bad, as it does what it says and mattifies the skin and blends really well. The reason however that I wouldn't recommend it is the fact I use far cheaper products which do the exact same things without the smell at a fraction of the cost.







This one is a yes from me, a highlight palette what can be better. I love the shades and they blend on to the skin like a dream. Go lightly for a subtle look or pack it on for a punch. The 4 highlights are different shades of gold that look beautiful on all skin tones. I actually managed to find this palette in TKMaxx at a fraction of the cost, so if you spot it grab it as you won't be disappointed. There isn't anything more I can say about this product other than it is well worth the price and a must have for any makeup lovers.







This lipstick was limited edition for Christmas 2018 and I picked up the shade After Party. There were 3 glitter shimmer lipsticks and this one is a purple pink shade with a lot of pigment. These lipsticks are not matte so do transfer but look beautiful on the lips. Currently there are only 2 shades still available After Party and Cake Day (a Barbie pink glitter shade). These are perfect for a fun night out but are not long lasting so you'll have to keep topping it up. Definitely worth it though and glide on like a dream.


Stay Gorgeous
XOXOX 

Read More

Share Tweet Pin It +1

0 Comments

In Buying a Home Buying a Home Where to Begin Finance First Home First Time Buyers Homebuyers Mortgage Property Ladder Where to Begin

Buying A House: Where to Begin?

Before I get into the post, I wanted to give you some pre-advise as to what to do before you get the the stage of deciding you want a house. Whether that be deciding whether you want to own your home or rent out, the first thing to think about is saving.

Putting money away every month will help with producing money for a deposit as well as providing you with money for legal costs and anything else you may want for the house. Saving can take a lot of time when you first start, but trust me you need all the money you can save as it will make things a lot easier when the time comes. 
(Image from Google)

From here on out I will be talking about buying your first home when you have some savings behind you, or if you have money from your parents/loved ones. 

Buying your first home isn't as straight forward as it seems, looking at houses and getting a mortgage isn't exactly how you do it. The first big question that me and my partner had was where to start. No one really tells you where to look first, do you look at mortgages or houses first, do you need a mortgage adviser, do you stick with the bank your with? All of the questions seem to come to mind at once when you start thinking about getting on the property ladder.

First thing I think that would be great to have is a mortgage adviser. These people know all the info you need to know when looking for your first home. Most mortgage advisers are free as they get there commission from the bank that you take out the mortgage from. So when looking make sure you check that they don't charge as you don't want to be out of pocket straight away. We went with a family friend and highly recommend the companies services if you are looking for a great mortgage adviser. They were able to show us some figures of what we would likely be able to get for a mortgage and how much the monthly payments would be. This is great when you aren't entirely sure what you can borrow and what price houses to look at. One thing that was said to use is don't apply for mortgage in principles with lenders as this puts a mark against you, which limits the amount a mortgage adviser can find you. 

(Image from Google)

During your first talk with your mortgage adviser, I would highly recommend you write everything down and ask as many questions as you can think of. This saves on time having to keep contacting the adviser and will give you peace of mind moving forward. For me it was largely asking about how the steps to getting a house go and what we need to think about getting and paying for when buying the property. We also ask questions about student finance as we are always told it may impact your eligibility of getting a property. Thankfully we were told it doesn't really impact the decision at the end of the day, but you still have to declare it. 

Our meeting with our mortgage adviser was about 2 and a half hours long, but we got all the information we needed to progress through. But, by spending that time with your mortgage adviser at first can really help push you forward as we have found we only needed to contact ours via email after that meeting as we had all the information needed to get us through. 

So to start your journey off definitely seek out a mortgage adviser, if your in the south of the UK I would highly recommend ours here. They are really knowledgeable so take advantage and ask loads of questions and from there you can begin your property search.

(Image from Google)

Stay Gorgeous
XOXOX

Read More

Share Tweet Pin It +1

0 Comments

In about me achievements Back back again Future Future plans goals Here we go again Job life life goals Me Moving Where Have I Been work

Here We Go Again!

Here We Go Again!

Yeah Yeah. Another grand come back that leads to nothing, no posts, no interactions, no nothing. I don't know why I always say that I'm back for good, it seems to be a way of pushing myself to post and write when I just don't seem to feel like it. This hasn't been due to laziness but due to lack of time, let me explain.

Since I last wrote a lot of things have changed and have progressed in my life. I have now been working a full time job for over 6 months which is crazy as it feels like it was just yesterday when I started. I work with the best bunch of people and get to play with chickens on a daily, which is strange but I actually love them. Full of personality and more intelligent than they seem. But this takes up a lot of my time and as I work 11 day shifts and don't feel motivated to blog when I get home. To me right now my job is slightly more important then my blog, but that is not to say that my blog isn't going to be part of my life still. Hence this post.

(Image from Google)

Along with work I have also managed to achieve some of my 100 Goals in 10 years such as buying my first car and getting a much better laptop which works faster for me when editing videos and photos. But one major goal which I'm hoping to cross off in the next month or two is owning my own home. 


Yep, you read that right me and Bruce are moving out and becoming official adults!

House hunting and the process of getting a mortgage is super complicated and one which me and Bruce have not done lightly. There were a lot of deciding factors which have gone into this but never the less it is an adventure and a new chapter in both of our lives. I don't want to ramble on about the in's and out's as I am going to do a few separate posts on moving and getting a mortgage. But, it is safe to say we cannot wait till all the legal stuff is complete and we can sign it off as ours. Plus I think there maybe a few empty house tours and decorating videos which may be filmed for you guys.

(Image from Google*)

So that's that, I'm going to be managing my time a lot better and maybe starting out with just a couple of posts a week to get me back into the flow again. Plus with moving and new products, I will have tones to talk about.

Stay Gorgeous
XOXOX

*Not actual House

Read More

Share Tweet Pin It +1

0 Comments