Moving Property in the Eventuality of Divorce and Dividing Assets

Divorce is one of the most traumatic things that can happen to people. It will usually involve intense emotions, and the breakup can impact every aspect of the lives of the individuals involved. This is the one event that most married couples fear most. As well as the hardship involved in adjusting to the split, at least one of the couple will need to find new accommodation. There will also be the difficult, and often contentious, task of diving up assets.

What Happens to the Home After Divorce?

A marriage breakup means that at least one person will be losing their home. It many cases one half of the couple to keep living in the former matrimonial home – at least in the short-term. This is particularly likely when there are children involved. It is also fairly common for the property to sold, and for both of the former partners to move to a new property. When people divorce it changes their financial situation, and there might not be enough money to continue paying the existing mortgage. In some instances both parties will want to leave this property so they can enjoy a fresh start somewhere else.

Advice for Moving Property after Divorce

Changing accommodation after a divorce is going to involve mixed emotions at the very least. This new home can be where the healing begins, but the person may still feel sad about what they have lost. There are things that the individual can do to make the process easier such as:

Emotions will tend to be high during a divorce, but it is vital that the individual is able to keep a clear head. This is so they can make practical decisions when it comes to the new property, and that they will only choose an option that they will be able to afford going forward.

Choosing a reliable house relocation service can make things a bit easier. This will take some of the stress out of the practicalities of house relocation.

When people get divorced, it usually means that their financial situation changes. They might not be able to afford the same type of property that they enjoyed while married. It is vital that the person is realistic when choosing new property, so that they do not end up with serious debt.

If the former matrimonial home is being sold, then this may mean that the buyer will have cash from the home to invest in a new property. This could mean the buyer has a large deposit which can help to secure a better mortgage rate.

In many instances the individual will need to borrow money if they wish to buy a new home. In this situation it is vital that the person thinks carefully about what they can afford.

It can be preferable that the parent staying with the children chooses a property in the same vicinity as their old home. These young people will have already had to face a great deal of stress, and moving to a new area may add to this.

If you are looking to sell property fast then visit National Homebuyers now and get a cash offer on your home.

THIS IS A SPONSORED ARTICLE FROM NATIONAL HOMEBUYERS

Moving to a safe neighbourhood?

The winter months are traditionally a quiet time of year for house moves, but if you are planning to relocate in 2013 now’s the time to start your research. There are so many elements that factor into making a place a desirable one in which to live – good schools, leisure facilities, transport links and security and community spirit.

Moving to a new area can be unnerving when you don’t know your way around, or any of the locals, as such security can be one consideration. Rushing into a move without exploring the neighbourhood or wider region could lead you to feel less than settled when you move in and in some of the worst cases, land you with a property that you are unable to sell on in the future. So, what kind of checks can you make to ensure you are moving into a safe neighbourhood?

In the first instance you can check the Policeuk website. Here you’ll find local crime statistics by street or area, so you’ll be able to identify if you are moving into a particularly troublesome neighbourhood. You can also find out what type of crimes are being committed in the area so that you can be prepared. For example, should there be a high instance of car break-ins you might concentrate your property search on homes with secure garages or if there have been a spate of burglaries, you could install a monitored alarm system.

This recently published interactive graphic from security specialists ADT is also a useful tool. It uses the firm’s statistics to show where and when their monitored alarms go off and highlights problem areas and times.

Of course, there are very few communities that remain completely crime-free and many good areas do suffer crime problems. Be sure to visit properties during the day and evening to get a more accurate feel for the area. Chat to neighbours and call into local shops to find out whether current residents are happy and friendly and ultimately help you decide whether it’s a community you’d like to be part of.

THIS ARTICLE IS AN ADVERTISING FEATURE FOR ADT ALARMS

Brighten up your home with a Scandinavian makeover

This is a sponsored article from Harveys, The Furniture Store.

People have long held a love affair with the balanced style defined by Scandinavian design. Its characteristics of airiness and space make it an exceptionally livable interior scheme, whilst at the same time it remains accessible thanks to its simplicity. Since spring is here, what better excuse can there be to embark on a Scandinavian makeover for your interior?

Scandinavian style isn’t a matter of whitewashing the walls to within an inch of their life, and neither is it an attempt to obtain design magazine levels of perfection. It is about finding your balance of chic, practical living. Follow the fundamentals of colour, aesthetic creativity and harmonious furniture, and you will soon be relaxing in your own small slice of Stockholm.

Unless you have unresolved issues with hoarding, switching to Scandinavian is easier than you might think. Remember, this is not minimalism. There is no need to de-clutter for no good reason. Think equal parts busy and equal parts quiet. By all means parade your collectable thimbles or that set of match programmes from the 1961 season, but make sure you juxtapose against pastel shaded walls or display in spacious cabinets.

Light pastel shades and white walls are not essential parts of the Scandinavian look but they help. Going gentle on the partitions means that the bold colours and patterns are liberated to pop in bursts elsewhere. Once again it is that equilibrium between quiet and busy.

A difficult moment when transforming the interior of one’s home, comes when it is time to confront your soft spots. Whether it is the creaking old rocking chair in the corner or the well-loved armchair in front of the flat screen, sometimes things have to go. At this point a trip to the furniture store is the quickest way to cheer yourself up as you choose your next comfort companion.

Keep the key characteristics of Scandinavian design in mind when it comes to looking at new sofas and chairs. Large and bulky is out, contemporary and clean is in. Pick a suitable colour to match the scheme of your walls and your sofa will become a focal part of your living room.

Your home’s assimilation into a haven of contemporary Northern European living does not stop in the living room though. With some creative decorating, the kitchen can follow. Wooden worktops add a rustic effect, high stools create contemporary flair and exposed metal will cool the whole room.

Finish with a flourish of personal touches. Employ your own decorative aesthetic brand remembering the Scandinavian penchant for peculiar sculpture, weird wall hangings and oversized clocks. Or just make do with a pastel striped rug thrown across varnished floorboards.

Scandinavian countries often top the charts for standard of living, just think, with a simple North European makeover you might begin reaping the benefits too.

Five things you didn’t know about home insurance

Often considered the biggest financial asset which we can obtain throughout our lives, our homes are sometimes taken for granted. Roughly five million homes are not covered by home insurance, despite the widespread availability of the product within the UK’s diverse insurance market, and ignorance could be partly to blame for this – so what don’t you know about home insurance in the UK?

1. You don’t want to live at number 243

Statistically these houses (and not those numbered 13 as might be expected) are the unluckiest in the UK with homeowners twice as likely to make a claim as anyone else. According to a report in The Daily Telegraph, 45% of people living at number 243 made a claim between 2008 and 2011.

2. There is more than one type

With the biggest insurance industry in Europe, it is understood that Brits can sometimes get confused over the number of different policies and types of insurance which are offered. Home insurance can be split into numerous types and there are plenty of variables for homeowners to consider when choosing their level of cover.

As a general rule, there are three main types of home insurance for you to choose from: contents insurance, buildings insurance and comprehensive home insurance. The former will only cover the personal possessions within your home whilst buildings insurance provides financial protection for the physical structure. Comprehensive home insurance combines the two products together to offer the highest level of cover.

3. Insurance claims are expected to rise in 2012

Due to the large number of events that are scheduled in the UK for the coming year, house insurance claims are expected to grow as Brits either leave their homes vacant to attend parties or host their own celebrations. Either situation places your home at risk and that means those five million homeowners without insurance could be facing expensive bills this summer.

4. Burglaries are prolific

Protecting your home from harm doesn’t just involve safeguarding it from natural disasters and accidents; you need to take preventative measures against burglars too. Burglaries are surprisingly common these days, with one occurring every 37 seconds and one fifth of homes experiencing more than one of these events each year.

These statistics are made even more shocking when you realise that property is stolen in 40% of burglaries yet only half of victims have their contents fully protected with insurance.

5. Automatic renewals waste money

An average saving of £125 can be made on annual home insurance costs simply by visiting home insurance comparison sites and choosing a better deal. In total, automatic renewals cost UK citizens more than £600 million a year and that means that something as simple as filling out an online form can save you a significant amount of cash.