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What Does and Doesn’t Get Covered Under National House Building Council Warranty

When you purchase a new home in Preston or elsewhere, one of the important things to look into would be your home warranty. After all, you want to encounter as few problems as possible. Isn’t that one of the main reasons for your new purchase? Warranties are designed to ensure that any shortcoming with regard to your new home will be dealt with by the developer. It’s really an insurance policy that is taken out by the developer or the builder but for your protection and peace of mind.

National House Building Council Warranty

Builders offering houses for sale in Fulwood or elsewhere would have mostly taken a new home warranty from the National House Building Council (NHBC). It is the most common new home warranty provider covering about 80% of the new homes and adheres to the Consumer Code for Home Builders. Although NHBC warranties typically last for ten years, sometimes your home may even be covered for 12 years if it is part of a shared ownership scheme or Housing Association property.

What NHBC Covers

The warranty starts to exist from the pre-completion stage. This means that if the builder who provided your new home in Preston becomes insolvent and is unable to complete your home; your warranty provider will reimburse your deposit up to 10% of the original purchase price or £100,000 whichever is lower.  

Once your home has been built, the warranty gets split into two parts. In the first two years, your builder agrees to pay for rectifying problems that are not maintenance issues or wear and tear defects. Examples include faulty pipes leading to poor drainage. For the next eight years, your builder needs to take care of major problems which can be related to chimneys, roofs or external render.

What you need to note is the date when the warranty began so you can know when the first two years will end.

What NHBC Does Not Cover

Your home is bound to go through some natural wear and tear. Naturally, these won’t be covered under your new home warranty. The warranty will also not cover any damages as a result of poor maintenance on your part. If any major problems do arise, you will need to be sure they were as a result of failure on the part of the builder, not your neglect. In case your builder who provided your new home in Preston fails to honour the warranty, you can approach the Independent Dispute Resolution Scheme to resolve your issue.

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Important questions to ask before you invest in real estate

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How to Find the Best Home for You and Your Family

The basic necessities of life are food, clothing and shelter. Buying a home is often an intimidating prospect as there is so much to learn in the entire process. There is no right or wrong way to begin your search for a new home in Preston or its surrounding areas, but you should consider your wants and needs to make this process enjoyable. Here are some tips for facilitating you to prepare for your home buying experience. 

Establish Your Budget

The first step when you are looking for a new home is to consider your current budget. Having an idea of what you can afford can help prevent disappointment by looking for homes which are outside your price range. You will also need to finalize a bank loan and select from various funding options with the best interest rates. As home buyers are on the rise, many developers are now offering new homes in Preston and elsewhere at an attractive deposit of only 5%, with the rest being financed by banks. 

Location and Amenities

Location is one of the most important elements of the real estate equation. The right location is not necessarily the same for everyone. You need to take your family’s priorities into account to establish where you want to buy a home. Consider the amenities of the new home and the neighbourhood. Houses for sale in Newton-le-Willows, Preston or St. Helens will greatly differ from the neighbouring areas in the amenities and facilities. These areas may attract a higher premium, but in the long term, will demand more value in appreciation. Look around the neighbourhood to see if there are parks, schools, restaurants, supermarkets, hospitals and other essential services which could be advantageous to you. 

Explore Home Styles That Work for You

Take time to research home styles, layouts and designs as well as the space you visualize for your family. Are you looking for Tudor style homes, colonial-style homes or contemporary homes? Are you looking for homes with a garage or open parking? Houses for sale in Newton-le-Willows, Preston and St. Helens offer a variety of options to choose from in terms of layout and design. 

Once you visualize your desired home in your mind, finding the best home for your family does not have to be a stressful affair but rather an enjoyable process. 

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Different Types of Houses that you can Invest in

There are different kinds of houses that are found throughout the United Kingdom. If you are looking for houses for sale in Fulwood or any other part of the UK, here is a quick look at the options available.

Detached Houses

A detached house includes a structure with walls and roofs independent of any other house and with garden on the front and backside of the home. The advantages of a detached house are that it offers privacy as compared to other types of homes. This is an excellent choice if you are looking for houses for sale in Prescot or any other part of the UK.

Semi-Detached Houses

Unlike a detached house, semi-detached houses share at least one wall with a structure that is owned separately. These houses are cheaper than fully detached houses. However, they do not offer the same amount of privacy as compared with a fully detached house. This is one of the most common types of houses that you will find in the UK.

Terraced Houses

Another good choice for accommodation is the iconic terraced houses. These houses are connected by a wall on either side, literally leading to a row of structures that occupy a street. These types of houses save a lot of space and are quite popular in urban districts. Terraced houses don’t always have a front or back garden and hence are priced lower than their counterparts. If you are looking for houses for sale in Audlem or any other part of the UK, a terraced house could also be a good choice.

End of Terrace Houses

End of terrace houses has one side detached and share the other side with an adjacent structure. These houses are usually found at the end of a road and are priced a little more than terraced houses.

Flats

From studio flats to maisonettes and 2-storey apartments, these structures are known for their convenience and space-saving qualities. If you are single or have a small family and are looking for houses for sale in Fulwood or elsewhere in the UK, this is an option you can consider.

Cottages                 

If you are looking for houses for sale in Prescot, do check out their lovely cottages. This is a traditional type of house known for its sturdy construction and beautiful atmosphere.

Bungalows

These houses are usually single-storey structures that are detached from other homes and tend to be much smaller in size. This is a great choice if you are looking for a part-time holiday home.

Every type of house comes with its benefits and attributes. It is essential to do thorough research before choosing the right kind of house for you.

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Tips on Finding your Dream Home

Whether you are a first-time buyer or a seasoned mover, buying a house can be quite exciting, tiring and yes, very stressful. The housing market is quite competitive, and prices can change within minutes. If you are looking for houses for sale in Fulwood or anywhere else in the U.K., here are a few tips to make your search easier.

Finance is key!

Before you begin your search on houses for sale in Newton-le-willows, or elsewhere in the U.K., the first thing to do is get your finances in order. You would need to consider how you plan on paying for your home, your budget constraints, mortgage options, etc. Hiring a good independent financial advisor (IFA) is the safest way to go. An IFA would be able to help you with everything from a mortgage to insurance and other aspects of the transaction. You would also need to consider other costs such as legal fees, land tax, stamp duty and other similar expenses.

Map out your Criteria

Once your budget has been decided, the next step is to look for a property that meets your criteria. For example, if you work in St. Helens or if your kids go to school there, you might want to consider looking for houses for sale in St. Helens. Identify these locations on a map so that you are able to tell if the property is close by when you see the sale details. Make a list of all that you are looking for in a house, such as- how many bathrooms you require, the number of bedrooms, whether you need a double garage or just an off the street parking space, etc. Specifying your needs to the agent would help in getting your ideal dream home much faster.

Put your House up for Sale

Most buyers need to sell an existing house before buying another one. Therefore, if you are looking for houses for sale in Fulwood or anywhere else in the U.K., the first step is to sell your existing house or move to a rented place. Builders and agents may not consider your offer unless you’re serious about the deal as they may already have people who are willing to buy the property immediately. Hence, if you are planning on buying a house, it helps to sell your existing house first.

Once you have the above things sorted, you can go ahead and view the properties that you are interested in. Once you have decided on a house you want to buy, negotiate on the price. If everything goes well, you will soon be able to move into your new house.

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Situated in the metropolitan county of Merseyside, England, and not too far from Liverpool, Prescot is one of the oldest settlements in this county. The well-preserved timber-framed buildings an...