LS12 1SW West Leeds, Armley, Flat 2 - 8 The Hollies - One bed first floor Armley Leeds flat to Rent. First floor self-contained s flat within converted through terraced house. Good access to Leeds & universities. All electric. Excellent condition throughout. Equipped & FURNISHED To view this house or flat please call 0113 2302303 or 4

To view this house or flat please call 0113 2302303 or 4

£285pcm available now

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LS9 6BG North east Leeds. 5 Strathmore Street. Large two mid-terrace house in Harehills To Rent near St James Hospital. Street parking. Separate lounge & dining-kitchen with some appliances. Full Gas CH. Bathroom suite with shower. Easy access to city. Some kitchen equipment otherwise PART FURNISHED.

To view this house or flat please call 0113 2302303 or 4

£430pcm available now

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LS8 5LA North east Leeds. 5 Luxor Street. Large two bed mid-terrace house in Harehills To Rent near St James hospital Harehills, near St James Hospital. The house is a large two bed mid-terrace house. Street parking. Separate lounge & dining-kitchen with some appliances. UPVC double glazing . Full Gas CH. Bathroom suite with shower. Good decor & condition throughout. Easy access to city. Some kitchen equipment otherwise PART FURNISHED.

To view this house or flat please call 0113 2302303 or 4

Available NOW - £420pcm

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To view this house or flat please call 0113 2302303 or 4
Available NOW - £290pcm

Photos below.

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Compare cheap Mortgages from UK providers

THE CREDIT CRUNCH BUNCH …
we’ve been here before

At a time when there are letting agents on almost every street corner, it is rare to find one that has survived the ups and downs in the market for 20 years.
Intercity Accommodation was established in 1980 and purchased as a going concern on 18 October 1988 as a somewhat dormant property management company. A small box of card files was included in the sale in which details of owners were found. All of those original Landlords are still with Intercity after twenty years of great partnerships.
On 18 October 2008, Intercity Accommodation will celebrate its 20 year anniversary and is probably the longest established lettings and property management agency in Leeds. Intercity was originally based on
Briggate, Leeds and relocated to Far Headingley in 1995.

20 years ago….
• There were no ‘to-let’ boards for residential property and we were the first to introduce them in Leeds.
They had to be hand-painted!
• It was common practise for agencies to charge prospective tenants for a list of available properties.
Intercity Accommodation were the first to introduce the correct system of charging tenants only when
accommodation is actually secured.
• Assured Shorthold tenancies did not exist - they were only introduced on 15 February 1989.
• There was no requirement for gas safety or energy performance certificates
• There was no legal protection in place for clients money or tenants deposits
• There was no ombudsman scheme for letting agents
• There was no government approved body overseeing letting agents - Intercity Accommodation was amongst
the first in Leeds to pass the stringent tests for membership with The National Approved Letting Scheme
(NALS)

The lettings market has matured considerably in 20 years
However, it is interesting to note that 20 years ago, there was a pretty frightening crisis in banking when interest rates reached 15% for a short while. There was a state of panic as borrowers attempted to fix their interest rates which were literally rising as people stood in queues at their banks. Confidence at the time was shattered (similar to today) but 10 years later property prices had trebled and interest rates had fallen again. Good news for all those who remained optimistic and relied upon the guidance offered by Intercity !

Intercity Accommodation considers that their secret to success is their long experience, judicious selection of tenants and their efficient handling of reports backed by reliable contractors such as T.M. West Plumbing Services Ltd. Clock Tower Carpets and Jacques Property Maintenance.

Realistic and achievable rental valuations are vital. Inflated rental valuations may secure a let but they are almost always short term. High tenant turnover is very wearing on the property and places the owner at risk of void periods. Since 1980 our occupancy rates have averaged at over 90 percent per annum!

The motto employed by Intercity Accommodation is ‘we would rather do no business than bad business’

Intercity Accommodation can be contacted at ….
21 Moor Road, Far Headingley, Leeds LS6 4BG
Tel: 0113 2302303 or 0113 2302304
Fax: 0113 2302305

Intercity Accommodation manage and let properties throughout the Leeds area and offer a let only service together with a comprehensive full management service.
Intercity Accommodation also specialise in the management of blocks of flats.

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Benefits of Home Insurance – Protection and More

There are a number of different options for individuals who are looking for home insurance. With so many different policies and combinations to choose from, it can be a time consuming and lengthy process for individuals to make sure that they get the best coverage for their individual situation. Because of this, it can help to think about the positive aspects and benefits of getting insurance as the hours potentially turn into days, as a person searches. By keeping your morale up as you search, it can be much more rewarding and less stressful for you to take your time and find the best option for you, your family and your home.

Financial Benefits

By investing a small amount each year in home insurance, you can save yourself potentially thousands in the event that a problem does occur in or around your home. When purchasing a home, individuals invest a great deal of money in the home. Very few people around the world can lose a home in which they have invested that much money and walk away unscathed.

A ruined home, at the very least, requires rebuilding, renovation and/or the purchase of a new home. If you have sunk all of your money in a home that is now ruined, odds are you won’t be able to afford a new home on your own. Home insurance protects the money you have invested in your home. If something happens to your home and you have insurance, the policy you have could help you to recoup your losses. If you have any financial concerns about what you would do if you lost your home, it can be very reassuring to have home insurance on your residency in order to protect yourself from dangers that may befall your home.

Mental and Emotional Benefits

Just as important as the financial benefits would be the emotional and mental benefits that come from having home insurance. Just by knowing that you are protected from certain disasters and complications as outlined by your insurance policy can help you sleep better at night. Having home insurance is great for allowing people the peace of mind to go throughout their day-to-day life without worrying about the weather, lightning, floods, earthquakes and other such disasters.

When choosing a home insurance policy it’s worth getting home insurance quotes from a number of providers before committing to a deal, RIAS and the Co-operative make for a good starting point.

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Getting Ready to Get a Home Loan

Getting a home is a very exciting time for most people. Since houses are so expensive, many people need to have their homes financed by a lending institution. The home itself is put up for collateral and the homeowners pay money back to their lenders on a monthly basis. If the homeowners are unable to pay back the money that they owe to the lenders, the lenders would be within their legal rights to recoup on the collateral – the home itself. In order to make sure that you are ready for your home loan and the responsibilities that come with it, here are some tips to help you.

1 – Plan Ahead

There are going to be a lot of decisions to make during this time. It is important to make sure that you give yourself enough time to tackle these decisions in a calm and educated manner. Do not try to get a home loan and purchase a home within a couple of weeks – that’s unrealistic and impractical. Give yourself more than enough time, such as six to twelve months.

2 – Get Pre-Approved

In order to help with the lending process, you can limit the amount of time that you spend in offices filling out paperwork if you get yourself pre-approved. Sometimes companies will send out letters informing you of the fact that you have been automatically pre-approved for a home loan or a line of credit. You can also get pre-approved by applying online. This is a convenient and relaxed manner to get a jump on your loan and all the ensuing paperwork.

3 – What do You Want from Your Home?

Look at some key questions to help you face some other decisions for your home. How long do you plan to live in your new home? Are you closer or farther from work? Do you have any children? Are you in a good school area?

4 – Submit a Reasonable Offer

If you find a home you really like, make an offer. Not sure what would constitute a reasonable offer? If you have the time, you may want to perform the research yourself. Get specifics about the home – when was it built, what type of heat does it have (gas or electric), how is the roof – will it need to be replaced? If you are not interested in doing the work yourself, you can ask an estate agent to help you.

5 – Look into home insurance

You should investigate how much home insurance will cost before you commit to a loan on a property. Take your time to gather quotes and choose a well established provider, such as Co-operative Insurance.

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Homes cost a lot of money. Since most people around the world do not have the amount of money it would take to pay for a home out of pocket, they need to have the home financed by a lending establishment. Lending establishments often design a mortgage in order to help the individual get their home and, in return, the lenders will receive a monthly payment from the new homeowners. There are five main factors that influence a mortgage.

1 – The Principal of the Loan / The Amount for Which the Loan is Being Taken Out

First, and most obviously, the mortgage will need to be for a specific amount. In most cases, this amount will be roughly the cost of the home (or the offer that you may have made to the current homeowners), less the amount of money that you would be putting down on your own as the down payment for the home.

2 – Interest Rate

Your interest rate will be the additional amount of money that you need to pay the lender for them allowing you to borrow money. When you pay back your mortgage, you will need to pay back the money that you borrowed, plus the interest - the rate at which you are charged for the financial institution having put up that great deal of money up front.

3 – Length of the Loan

The longer the term of your loan, the more interest you will have to pay. The length of the loan is directly tied to the interest you will be paying, because the longer you borrow the money, the longer it will take you to return the money to your lender. Since you may be a liability to the lender the longer your loan will be taken out for, you will need to pay more interest. Typically, mortgages are to be paid off in five to thirty years, but this differs from lender to lender.

4 – Are You Using Points?

Homeowners have an option of getting points. These are optional and they vary on a case-by-case basis. Points may allow you to make lower monthly payments - and you might even be able to get a lower interest rate. You need to pay for the points at the time of your closing on your home, when the details of your mortgage will be spelled out in the mortgage contract/agreement.

5 – Fees

Your mortgage would not be complete without all the various fees that accompany it. Lenders, real estate agents, contract signings – all of these things require fees and this will probably be worked into your mortgage amount.

Alliance and Leicester have designed a mortgage calculator to help you work out the costs of a mortgage and it can be found on their website along with deals on loans and mortgages.

For a variety of different loans and mortgage deals try Alliance and Leicester.

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In any investment, negotiating to an agreement is something to be jovial about but is considered the toughest area of any venture. Both parties need to share in all thoughts and ideas in order to make an agreeable deal. One has to make plans in accordance with the other to make a peaceful settlement of plans. Negotiating could be a little hard, but like any other skill, it can be learned.

Two of the most successful and basic tools needed in negotiating are information and knowledge. Having information about almost everything in the business is a plus point for the dealer; and having much knowledge could put you above the market. Although these two things may seem very easy to hear, a great deal of practice should still be exercised.

Negotiating: Before Making the Offer

Before making any offer in negotiating, these things should be reviewed first:

*Know the market and ask probable questions pertaining to the number of years the property is on the "for sale" list.
*Find out other competing offers available and at what price.
*Take a look at the background of the seller and find out if the lot is in foreclosure; if not, try to ask the reason why they are eager in selling the lot.
*Confirm for any outstanding debt or any recent cash payments.
*Have a professional inspection made in order to know the value and the existing condition of the house.
*Before you finally subject yourself to negotiating, find out more about the surrounding lot and their condition.
*Remember, have your finances ready and get pre-approved before properly negotiating.

Negotiating: Closing a Deal

Closing a deal comes after negotiating; it gives a feeling of relief for both the buyer and the seller. Of course prices are settled just before you come to an end. Negotiating with the price should never be left too high nor too low; the value and the costs you've spent should always be considered.

In making an offer, remember to be fair but consistent with the range of price in the market. Also, suggest a non-round figure since it puts a broker momentarily off guard. Bear in mind to keep wise and intelligible in front of the seller.

Do not forget to include all costs covered such as the house insurance, cost of the title, repair fees, and agent charges. Be sure to have sufficient knowledge in law and accounting; if you don't have such skills, then hiring would be an option. Just remember to step out of any deal that wouldn't satisfy you and your criteria.

Buying or Renting

For some people purchasing a house makes the most sense, but for others, renting is still the best option. To know which one is right for you, you need to determine first whether or not you can afford to buy. Of course, you also have to review some other factors such as the real estate taxes, the time you are going to stay in that home and the cost effectiveness of the type of housing that you are planning to buy.

Pros and cons of renting a home

When you rent a home, there are several advantages that you can greatly benefit upon. For instance, rental homes are at fixed costs for the term of the lease. Rents are generally cheaper than paying mortgage fees which still include interests in case you are not able to pay on time. You also do not gain equity as much as you cannot lose it when you rent. When the lease becomes more expensive, you can easily move out of the house after the contract and find somewhere else where rent is cheaper. There is also less work involved in the maintenance of the house if you rent it. Lastly, the ‘up front’ cash is generally less compared to buying a home.

Renting also has its disadvantages. Your apartment or temporary home will never gain equity no matter what happens with its value. You cannot personalise every room because everything is set and designed by the owner. And lastly, you cannot have tax advantages because your landlord gets most of it already. Because of these reasons, renting a home should be carefully and properly evaluated upon.

Advantages and disadvantages of buying a home

Buying a home is a major step in one's life. The main advantage of buying a home is that it gives you total independence and is a very good way of securing money. Although getting a mortgage is a real drain on finances the mortgage balance will decrease over time, even if the value of the home increases. You also have the ability to remodel your home as you please.

Buying a home has some disadvantages and these fundamentally come down to matters of cost: the property’s equity will fluctuate, any remodeling will have to be supervised and paid for by you, there will be larger down payments and you will have to organise, and pay, for bills and insurances. If you are able to keep on top of your finances and get a comprehensive home insurance policy (try a recognised provider like RIAS), then the benefits far outweigh the disadvantages.

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