Consider Before You Purchase Kitchen Cabinets

If you are going to remodel your kitchen, you may be looking for new kitchen cabinets. Before you make a choice, we suggest that you consider a few important things. In this guide, we are going to take a look at some basics of purchasing kitchen cabinets, such as construction, quality, style, size, budget and finish. You need to consider these things before you to purchase your desired products. Read on to find out more.

Budget

First of all, it’s important to keep in mind that cabinets consist of at least 40% of the total cost of your kitchen remodeling project. Therefore, you need to set your budget before getting started. Ideally, you may want to set a budget that you can afford to spend on this purchase. After all, you don’t want to disturb your budget by getting a product that is too expensive.

Quality

If you have a limited budget and you are not too picky, we suggest that you look for a basic type of cabinets. On the other hand, if you want to give your dream look to the kitchen, we suggest that you look for high quality construction. These cabinets features solid frames, closed backs, reinforced corners, and overall solid build quality.

Since the doors and drawers of the cabinets are opened frequently, make sure they operate smoothly. Apart from this, finishing should also be smooth.

Decorating Style

You may want to consider different magazines to get a better idea of the style you like. It is important to keep in mind that stock cabinets are available in a few styles unlike custom ones. Therefore, you may want to go for a style that complements the architecture and interior of your home. Natural wood finishes are available in a lot of colors.

Get the Measurements

Since a professional is going to install the cabinets for you, make sure you measure everything in time. Once you have got these measurements, the salesman will have accurate information. Therefore, they will be able to give you a better estimate of the total cost of the project.

Stock or Custom

As far as price is concerned, stock cabinets are your best bet. They are made in standard sizes and shapes. The good thing is that they are available in many styles and wood types. Apart from this, semi-custom ones are available in standard sizes. On top of this, they have several options as far as style, design and storage is concerned.

Long story short, if you are looking to remodel your kitchen, you can use the tips given in this article in order to purchase your desired kitchen cabinets. Hopefully, this article will help you make the best choice and avoid making some common mistakes in the process.

What To Seek In A Mortgage Banker?

Whether, one is looking, to purchase a new home, and/ or, feels it is in his best – interests, to refinance, for whatever reason (for example, other financial need, seeking better rates, etc), it’s important to carefully choose/ select, the best mortgage banker, for you! Since, each of us, is different, and, the combination of one’s personal knowledge and experience/ expertise, as well as our emotional composure/ make – up, it is, often, a significant consideration, ensuring, choosing, the right person, for you, to professionally, assist you, in your financing/ mortgage needs! With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 6 specific priorities, one should consider, in making their choice/ selection.

1. Listens effectively: Like, in many consumer positions, etc, it is wise, to choose, someone, who listens, effectively, rather than dominating the conversation! How can anyone, make the best recommendations, in terms of, mortgage – terms (lengths, down – payments, using – points, etc), unless/ he, fully considers, individual needs, in a customized way, rather than, merely, proceeding, on a one – size – fits – all, basis?

2. Custom service: Each of us, has individual needs, knowledge, etc, so, choose a mortgage banker, who customizes his approach, to best serve your needs, priorities, and best – interests, instead of, merely, the same – old, same – old, manner! Since, for most people, their house, represents their single – biggest, financial asset, doesn’t it make sense, to carefully, consider, all relevant aspects, and details?

3. Explains thoroughly, what is needed: Beware of the difference, between, being, pre – qualified, and pre – approved, for a loan! The more detail, and documentation, up – front, generally, eases the rest of the transaction period. Seek, someone, who, openly, thoroughly, explains, what will be needed, an overall strategy, and the best path, forward!

4. Explains thoroughly, what to expect: Few things, become more stressful, than being confronted with surprises, and the need, to produce, on a timely basis, additional documentation, etc. When, your chosen professional, thoroughly, explains, what to expect, and has you, as prepared as possible, it significantly, eases the process!

5. Hand – holding: Many find the entire, real estate transaction period, stressful, it demonstrates, how important, your choice of your agent, and mortgage banker, is! It is best, to choose, someone, and/ or, a team, which is there, for you, every – step, along the way, and holds – your – hand, and comforts you, throughout!

6. Expedites/ stays on – the – ball: It’s not enough, for someone, to be, simply, a glorified, order – taker! Seek someone, who, proactively, expedites, and eases the process, is consistently, prepared (no surprises), and stays, on – the – ball!

Ease the home – purchasing, and/ or, financing process, by hiring the finest, mortgage professional, for you, and your specific needs, and priorities! The wiser, you proceed, the easier, this will be!

Leasehold Houses

Off the back of Help to Buy, many builders started selling houses on a leasehold basis when traditionally homes had always been freehold. Over time this became a debatable topic at which the Government felt the need to step in.

Some of the country’s housebuilders got pointed the finger of putting profits before their social conscience while they are aware that they need to build homes for families they also have shareholders to answer.

Land Banking

The media had made it publicly known that there was a situation with land banking.

Land banking is a real estate investment scheme that involves buying large blocks of undeveloped land with a view to selling the land at a profit when it has been approved for development

Thanks to consolidation, some builders have inherited land into their organisations which is on a leasehold basis.

It’s a debatable topic that they offer both leasehold and freehold properties for sale so that buyers can make an informed choice.

What About the People?

Many people had felt that the market had swayed much too far towards leasehold when it came to light how much profit the Builders had been making off the back of the leases.

Things came to a head when the Chief Executive of one of the UK’s most prominent Builders received a bonus of over £100m. At the time, this was one of the most substantial bonuses paid in corporate history.

Some Leasehold Homeowners were shocked when they were being quoted thousands of pounds in fees when they sought permission to make alterations to their homes.

The fees were being charged by their Leasehold Management Companies.

Some of the annual ground rents were to double every ten years and owners could see that selling their home in the future once these increases have kicked in would be more difficult.

In Parliament

After notifying their MP’s and getting the subject debated in Parliament, the Government agreed that if you were buying a house (not a flat or apartment), then it is reasonable that you should own the freehold.

What can you do?

If you are in the situation of owning one of these houses and you didn’t realise if it was leasehold, then you should have been made aware. If you feel that the Solicitor acting for you did not give you the full facts about the lease you signed, you should re-contact them immediately to investigate why.

You can contact the freeholder at any time if you are interested in buying the freehold from them.

In addition to leaseholds, there is the issue of service charges.

When Councils grant permission for Housebuilders to build on the land, they don’t always agree to adopt the common areas such as

  • Grass verge
  • Roads

That means that the upkeep of these areas needs to be outsourced, usually to a private company. The owners in the area then make a financial contribution to this maintenance work on top of their council tax, this can happen whether the house is leasehold or freehold.

Service Charges

The costs of service charges can increase. Sometimes the residents in the area get together to form an association which might allow them to choose a different service provider.

If you are considering buying a leasehold property, take advice from your Solicitor regarding the lease.