Property research desk

Market notes, data checks & field commentary

Some notes on housing-market research, methodology updates, and source notes, built to show how the signals are interpreted and where the numbers come from. Best case, you find it interesting, worst, you killed some time whilst the kettle boils.

Valuations

April 24, 2022

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Damage From Trees

Trees are pretty but trees are also destructive when growing too close to a property. They don't even have to be within the boundary of a property you own or are buying, it could be a neighbour's tree which can be an issue in itself.

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Valuations

April 23, 2022

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Dry Rot, Wet Rot & Woodworm

Wet and/or dry rot is not that uncommon on a property. Although it is often caused by poor maintenance it can be hidden and not noticed until it's caused too much damage or as many buyers and sellers find out, it is a valuer that finds it when inspecting a property. Even Woodworm is often left unchecked until a valuer inspects.

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Questions

April 23, 2022

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Is buying a home worth it?

A question from a young man in Inverness contemplating one of the biggest decisions he will face. Should he buy a house? Will he be able to afford it with all the rising costs and so on? These are good questions to be asked and always best asked before actually going ahead.

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Guides

April 18, 2022

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BTL - A Landlords Perspective

Guide to Buy to Let - Are you considering purchasing a property for investment purposes? This guide from a landlord's perspective may give you some useful insights. Yes, I am the Landlord, I purchased a property for BTL about a decade ago.

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General

April 11, 2022

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Affordability testing is changing

There have been many articles circulating in the media for the last few days claiming lenders are getting tough on the cost of living crisis. Some inflammatory commentators suggest lenders are deliberately squeezing some borrowers out of the market and other frankly wrong comments.

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Guides

April 3, 2022

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Mortgage Affordability

Mortgage Affordability can be a complex area. Since 2014 changes in the way affordability is assessed by lenders must take many elements into account. This can often go against borrowers either in terms of how much they could borrow or if they can borrow at all. This Mortgage affordability guide should help understand the process.

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Market notes, data checks & field commentary

Damage From Trees

Dry Rot, Wet Rot & Woodworm

Is buying a home worth it?

BTL - A Landlords Perspective

Affordability testing is changing

Mortgage Affordability

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