Category Archives: Business Products & Services

What to know about bridging loans

In this article, we explain the different circumstances where bridging loans might be necessary.

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Which? has some useful advice on bridging loans: If you are considering a bridging loan, it pays to consult a professional adviser, who will often make use of software for financial advisers, to find the best deal.

Keeping a place in a chain

When the purchase of a property is funded out of the proceeds of another property’s sale, but the sale can’t be completed at the same time as, or before, the purchase, you might need bridging finance. 

Renovating, converting or restoring properties

Frequently, property is deemed to be unsuitable for a mortgage. This is generally due to poor condition, or because the property lacks a bathroom or kitchen. Bridging finance may be secured against such property. This helps landlords who want to renovate and then sell or rent out properties.

Excellent software for financial advisers can be found at Intelliflo.


New bridging facilities can be arranged to replace loans that are nearing the end of their term, or have passed it. This may release funds and/or extend the loan term.

Buying an auction property 

If you win at auction, a 10 percent deposit is typically paid that day, with the remainder of the money due within 28 days. Bridging loans can be put in place quickly, guaranteeing that sales can complete in time.

When a must-have item comes along

Sometimes, in order to guarantee to secure a total bargain, a purchase needs to be completed fast. A bridging loan may be quickly secured against equity available in the property.

Solving short-term cash-flow problems

Cash-flow problems can occur for various reasons in business. A bank might call in your overdraft facility, customers may pay invoices late, or brand new equipment may be required unexpectedly.

Probate and inheritance tax issues

Sometimes, when you are dealing with probate and inheritance tax issues, funds may be required. Other reasons include having to pay taxes and bills, release charges on property, and pay off beneficiaries.

Buying property below market value

A bridging loan is helpful when you are buying property that is on sale for a price below its market value.

Property development

Bridging loans may be used to raise money for financing property developments.

Everything You Need to Know About the Letting Fees Ban and How It Affects Landlords

The Tenants Fees Act received Royal Assent on 12 February this year after progressing through Parliament since its introduction as a Draft Bill in November 2017.

property inventory

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One of the changes will be a ban on letting agent fees to tenants, who will only be charged for rent, deposit, and defaults under their contracts. Significantly, landlords and agents will be banned from charging for inventories and referencing. The fee to change a tenancy will also be capped at £50.

Although housing groups have broadly welcomed the changes, pressure groups within the letting industry claim that the new legislation could mean redundancies, while others are concerned losses can only be recouped by increasing rents.


One of the issues landlords may wish to address immediately is how they go about taking inventories. They can save time and money by using property inventory software. But which businesses would use property inventory software? Any property companies.

Such property inventory software has proved increasingly popular with landlords since its first introduction and given that the service will no longer attract fees it could prove an essential investment.

tenancy deposit scheme

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The new Act also provides for a series of new fines applicable where the Act’s regulations are breached.

One of the main provisions in the Act changes the way deposits are dealt with. Tenants’ deposits will be limited to a sum which reflects six weeks’ rent and holding deposits will not be allowed to exceed one week’s rental income.


Deposits will still have to be retained in an approved tenancy deposit scheme introduced in 2007. There are, however, circumstances in which a deposit can be retained by the landlord. These are if the tenant withdraws or does not take all reasonable steps to enter into the agreement, fails to pass the Right to Rent test or if they provide misleading information.

The penalties for breaches of the Act, introduced by the new regulations, are strict. The first offense is treated as a civil violation attracting penalties of up to £5,000. If a violation is repeated within a five-year period, the penalty could reach £30,000 or be treated as a criminal offense.

The new Act does allow agents to charge for some services. These include early termination of the rental agreement at the tenant’s request, covering the costs incurred.

Six Benefits of Business VoIP

VoIP is currently the favorite solution to moving away from telephone lines. Here are some advantages of using this technology.

Business VoIP

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Using VoIP will help to reduce costs because all calls are made over the internet as opposed to telephones lines, which can be costly to maintain. However, both the business and the customer must have and pay for an internet connection, which often requires a telephone line to be in place. Businesses can find the best package using a wholesale VoIP termination provider.


Most VoIP applications can be downloaded on to mobile devices that can access the internet. This means that calls can be taken at any time, anywhere, providing that there is a stable enough internet connection. This technology has helped to improve home-based businesses and allow employees to work from home, as all that is required is the internet connection.

Business VoIP

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VoIP calls are HD quality, as they are made over the internet and not by using old telephone lines. This produces a conversation that is much clearer and allows businesses to ensure customer satisfaction. has many packages available.


VoIP allows businesses to adopt a ‘bring your own device’ policy whereby employees use their existing smartphones and mobile devices to download the apps on to. This reduces the business’s costs, as they do not need to purchase the devices to allow VoIP to be used. This will also help the business with its productivity. Employees are empowered to become more flexible with a new option available to them to work from home, on the move and when it suits them. ( discusses further advantages)


As well as being an exceptionally functional and modern approach to allowing calls to take place between businesses and customers, VoIP apps also include a large range of features to increase the positive impact that the technology has on the business. Features include hunt groups, chat function, auto attendant, caller display, call divert and many more.


VoIP allows businesses to be ready for the future without having to plan and financially prepare for any possible future technology developments. For example, it means that businesses will be able to continue to conduct business when ISDN lines are obsolete, which it is thought will happen within the next eight years.

Lots – Getting Started & Next Steps

Why You Need Parking Payment App.

Technology has been taken to the next level and the number of cars has remarkably increased. This means that you can drive for so many hours and the upon reaching your destination town, you find that there is a parking spot for your car. Not finding a spot is not something new, almost everyone has done through this in the past. The only way to ensure that everyone had a better way of securing the parking spots was by managing them well. Now there is a better way to secure a parking without going all around the city. You just need to get a phone parking app. The benefits that are associated with this app are uncountable. The way it manages all the spots for you ensures that you just use a route that will take you directly to where there is a spot. This will ensure that the city has become decongested. Get into this website.

When you get this amazing app, you can book a parking lot in advance. This means that if you look at the slots available and you are not sure whether by the time you get there will be one, you just need to book one. Since at times you are in a new city and you cannot trace the parking well, the meter parking app will ensure that you get to that place in time. You can navigate the city just using the app, anyone can use it. You will get the benefit of seeing all the routes available but you are advised to choose the shortest there is. It has a navigation voice in case you will not be able to look at it and at the same time drive. To learn more about the app, click here.

The mode of payment is something that stresses people. Get pay by phone parking app, it is a secure way. When you are using cash method, you will be required to pay more especially when the demand for the parking is high. When you are using the parking app, some of the parking attendants will send a driver to pick your car at a place in case you are stuck. They will drive you and park the car for you. All the cost will be totaled as you pay for the parking fee. The era that people used to guess where there is an available spot is long gone. Do not waste time going all around the city, get the parking spot when you are in your car. If you happen to get a parking spot in a place that you have never been before, then you can turn on navigation. To get more on the park by app, see this website.

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How to Choose the Best Boat Propellers

Boat propellers get damaged from time to time hence needing to get replaced. It is vital to get boat propellers that function well for your boat in order to help it steer and run smoothly. Having the correct propellers will not only give you value for your money but make you comfortable when you are riding your boat. Below are guidelines for buying quality boat propellers.

You should check the model as well as the size of your boat. Boat propellers of different sizes are for use in boats of different sizes. Furthermore, numerous boat propellers are made specifically for certain boat models and cannot work with others. It is thus wise to take advantage of the internet and obtain information on which propeller to acquire for your boat to avoid making trips to and from the supplier to exchange the propeller. Also, consider if it is possible for the boat propeller to be fitted at the workstation of the supplier for the sake of getting the correct one.

Look into the material. There is a range of materials for propeller manufacturing. Before you start to shop for a boat propeller, it is good to decide which material you need. The reaction the metal making a propeller has with water, determines how long the propeller is going to last. In addition, propellers manufactured from various metals have various weights and this influences how they function. In case you need boat propellers that will last for long and perform well, ensure you choose those made from stainless steel.

Be attentive to the price. Before going to any propeller supplier decide how much you want to use. It is worth knowing that propellers of high quality cost much, unlike the low-quality ones. However, do not buy a propeller because it is costly since some sellers sell low-quality suppliers at higher rates to earn quick cash. All you desire is to buy quality propellers at a competitive price. You should thus avoid buying from the first supplier you contact regardless of how pleased you may be about their prices but compare a number of suppliers.

Ensure you pay attention to return policies and warranties. One of the best ways to ensure you get a suitable deal when buying boat propellers is checking the return policy as well as warranties. Ensure you buy from a supplier with a friendly return policy just in case the propeller does not fit in your boat. Also, consider a supplier that issues warranties to ensure any problem with the propeller before the warranty expires can be fixed or get the propeller replaced without paying extra.

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Advantages of Boat Propellers

All our automobile tools need propellers. Our tools are in dire need of them due to the crucial role they play. We are encouraged to procure the right propeller for our machines. Boats are an example of machines that must have a propeller. Boat engines are kept clean and cool once we install propellers. We have a chance to experience the best performance of our boats once we have the right propellers for our boats. We are advised to make efforts and get the right propellers for our boats always. There is need to ensure that we get the right propellers for our boats. As a result, we have surety of improved performance once we have the right propellers. Buy the right propeller for your boat to enjoy improved performance. This ensures that we have a chance of satisfying our need for boats. Boats are essential to use and we should always ensure that we get the right propellers for them. We should make efforts and get the right propellers for our boats. There are many benefits associated with boat propellers. Below is a discussion of the benefits of boat propellers.

There are various types of boat propellers. We have a chance to choose the one that fully suits us. You can either choose an aluminum propellers of a stainless steel one. We only need to decide the one that properly suits our needs. We have a chance to take good care of our boats by having the right propellers. Improved performance will enable us to fully utilize our boats. Visit a propellers depot and choose the right propeller for your boat. At the depot, you will have a chance to select the best for your boat. We have a chance to get various boat propellers at the depots as well as being able to learn the benefits of each. There is always need to choose the one that gives you better results and all times.

Boat performance is improved by having the right propellers. Whenever we have the right propellers, our boat will be sailing at the desired speed. It is advisable to always monitor our boats and replace their propellers whenever there is need. Our boats will be able to consume fuel in an economic way once we have the right propellers. It is advisable to have the right propellers to enjoy full benefits of our boats. We are encouraged to use our boats only when they have the right propellers. Selecting the right propellers is always encouraged. We have a chance to enjoy high performance while being economical. Propellers must be compatible with our boats in order to get the best performance.

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Why Lawyers Aren’t As Bad As You Think

Benefits Of Hiring Lawyer

Truly, you do require a legal counselor. There are not a lot of legal issues that needn’t waste time with any real depiction. Going for a small claim court is one example. In any case, most conditions including a real discussion will require that you obtain a legal representative or some may have their own depiction. Lawful consultants go with a cost. Despite whether it is government law, arrive law or even ordinary law, someone has considered and focused on the purposes of enthusiasm of the law. They will, along these lines, require an organization charge to give you the best depiction in an official court.

Genuine depiction of different cases and people matter. The charges for different cases will in any case matter. It will rely upon the idea of the case. Failing to work with an attorney can lead to agreements broken or even you can experience lost claims. You even danger imprison. Before we go any further, this article looks to demonstrate to you the best reasons you have to employ a legal advisor.

Law is entangled. The legitimate instructors need to put in over 6 years in a doctoral level college. Do you relay think you can substitute this knowledge to have your own representation and get away with it? Even experienced lawyer find experienced lawyers to represent them in a court of law. Diverse lawyers frequently have some skill in explicit laws like precedent-based law, arrive law or even criminal law.

It may cost you a ton of cash in the event that you disregard the part of employing a layer. This is a risk of being imprisoned. Procuring a legal advisor will either spare you cash or profit. They might get a reduction of the damages that you were to pay or your fine to the court. In the case of a settlement, the lawyer will have your interest at heart and help you get the best of the share of the settlement.

You can without quite a bit of a stretch decimate the entire collection of proof against you by filling the wrong record. The procedure also can risk your entire case. You, thusly, require a legal depiction through a lawful guide who will empower you to get the right papers on the table. They have association in this field and thusly appreciate what is required by at that point. A legitimate consultant will save you an impressive proportion of forward and in reverse of records. They will help you get the documents of the right case.

Lawyers are trained to challenge any kind of kind of evidence. They have encountered these cases and it is extremely possible that they may have as of late dealt with a case like yours. Despite how high and clear the verification might be, they will constantly get a way to deal with test. They give you a chance of getting away with it or getting the right just in case you reframed for a crime.

Laws – Getting Started & Next Steps

Laws – Getting Started & Next Steps

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Factors to Consider in Buying a Myrtle Beach South Carolina Real Estate

When you visit Myrtle Beach in South Carolina, you may want to purchase a condominium in the are. Here are what you need to look at when choosing a condo in South Carolina. The process of purchasing condominiums involves steps that buyers are advised to follow. Before spending a cent on a condo, you need to keep in mind that every property is different. Every area has its own rules, management companies, amenities and association fees pertaining to the purchase of condos.

First and foremost, you need to determine your needs. As mentioned earlier, the process of buying a condo is way too far different from that of owning a family house, therefore, buyers of condominiums need to know what is right for them and also check for both merits and disadvantages of the properties they want to hire. It is worth noting that condominiums are closer to neighbors than single family residence.

Before choosing a condominium, you need to check the included association fees. When buying a condominium, you will be required to pay an association fee that is inclusive of services such as lawn maintenance, exterior maintenance, among others. The fact that in most condos, maintenance services are offered by the service providers, makes them not to be ideal for people who prefer and enjoy doing the services on their own.

Though the market is flooded with real estate agents, you need to look for those who have vast experience in selling condos. It is recommended to work with real estate agents who are experts ins selling condos since the purchase contract for a condo is not the same as it is for other types of residences. Unlike other properties, condos need an agreement to be signed in addition to the typical sales contract prior to closing. For this reason, buyers need to consider working with real estate agents who have experience selling condos. By choosing an experienced real estate agent, you will be assured of getting assistance in the process and ensure necessary documents are not overlooked.

Furthermore, it is a good idea to ask what the condos include. If you own a car, you will need a place to park the car, it is vital to ask the seller if the condo will have a parking lot for convenience sake. As much as you need parking, ensure that it is enough for your guests who come to visit you.

Buyers of condos also need to go through the association rule. People need to review the rules in a condo as they will guide them on how to stay next to each other since most condos are closer to each other. Due to many associations, the chances are there will be many rules; therefore, buyers need to consider all of them. By following the tips, you will be guaranteed of getting an ideal condo in Myrtle Beach in South Carolina.

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Factors You Have to Consider When Fetching for the Best Windows and Remodeling Services

Windows are found in the walls of buildings and facilitate the entrance of cool clean air and exit of hot dirty air. On the windows, there are panes of glasses and other transparent materials which are held in place by a frame. The frame which is also known as a window allows the opening and closing of a window. In remodeling, the existing features of a building are upgraded and new ones are added. Remodeling involves activities such as window and door installation, interior and exterior renovations, kitchen renovations and many more. Of late, there are companies which offer windows and remodeling services. Before you hire a window and remodeling contractor, you should consider the following.

A competent windows and remodeling contractor should be licensed and insured. In order to offer goods and services legally, an entity should have a license. Only the competent windows and remodeling contractors are supposed to get a license. A windows and remodeling handyman may slide and fall as he/she is doing window and installation and this is why a window and remodeling contractor should be covered by an insurance company. A good example of an accredited window and remodeling contractor is Forde Windows and Remodeling.

A good windows and remodeling contractor should be reliable. A reliable contractor is the one who will keep his/her promises. For instance, the windows and remodeling contractor is supposed to complete the contract before the expiry of the right time frame. Once you hire a reliable window and remodeling contractor, clean up all the sawdust and other remaining after completion of the project.

The best windows and remodeling contractors have relatively lower prices. A good windows and remodeling contractor is supposed to offer improved services at reasonable prices. There are many companies which offer windows and remodeling services, hence it is good to look at their pricing before you pick one. It is also good to have a budget on your home remodeling in order to spend wisely.

The best windows and remodeling contractors have a high level of professionalism. You should hire a window and remodeling contractor who is highly skilled and dedicated. The windows and remodeling contractor should also have good communication skills in order to update the client on the progress of the project. Having a lot of affiliations is enough proof that the windows and remodeling contractor is highly professional. For instance, if you are looking for the best window replacement Chicagoland services, you need to hire a professional company.

Before you hire a window and remodeling contractor for your home improvement, you need to make sure that he/she has a high level of integrity.

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Top Reasons Why You Should Hire a Real Estategent

Some people might not see the need of a real estate agent since there are a lot of information that one can use over the internet. You could see it as an easy thing to buy or sell anything through the internet. Some might easily make it on their own, but not many will be successful. Below are some advantages of hiring a real estate agent.

Agents are more educated with the real estate business. Not everyone in the world who has enough knowledge concerning buying and selling of property. You are likely to think that you have enough information but know little about real estate. It would be good for you to choose someone who can help you in such situation and make sure that you are in the right direction. People should always accept that there are those people who are better than others in a certain field.

It is important to deal with someone who has some experience. You will be in a good position when dealing with a person who is experienced in real estate. Those who have been employed in the real estate business, knows all the deals and things involved in real estate. Since they have experience in the industry, they will always work hard towards achieving the best for their clients. It is not hard for any real estate agent to be able to handle all things involved in a real estate since they have been doing the same business for many months.

The real estate agent will act as your guard against many things that you are likely to encounter during your business. The agent will be the one to deal with any buyer or seller before you get to meet the right person. Not many people will be available all the time to talk over the phone trying to negotiate for something. The agent will talk with anyone who is willing to talk to you about the property issue and get to pick the one who will serve you the best.

With the real estate agent you will be at a better position if you do not know the exact cost of something. It might not be possible for you to know the exact cost of a property at a certain period. You are likely to end up spending more money than expected or you get less money that you are supposed to receive for your property. The agent will always help you to use or get the exact money as expected. The location and condition of that property are what determines the exact price of the property.

A Simple Plan For Investigating Sales

A Simple Plan For Investigating Sales