The Value of Gardening 

The Value of Gardening 


Welcome to the April edition of the Bramleys newsletter, where we bring you the latest property news and advice on the market.

In line with the UK Government advice all of our offices are now closed. Phone lines are still operating between 10 am and 4 pm Monday to Friday and you can registered your details and interest via our website here.

These are unprecedented events and we anticipate that many of our customers will be in contact with us so please bear with us.

Thank you for your understanding.



The Value of Gardening

With the whole country in lockdown and we’re made to spend significantly more time in our homes many are turning their attention to making long overdue home improvements. While decorating and general DIY are popular, it would appear that gardens are being given some well overdue attention.

Click here to read The Value of Gardening.



How are financial services currently affected by the coronavirus?

What is happening to borrowing rates?

Financial services, like all other business sectors, have had to make changes to respond to the current health pandemic’s effect on the economy. Less people spending money has caused financial services to make adaptations necessary to prevent damage to the financial market. The Bank of England has cut the base rate to a record low of 0.1% to reduce the cost of borrowing for consumers and minimise disruption over the coming months. This is the Bank's lowest ever interest rate in its 325 year history.

What does this mean for mortgages?

Mortgage rates are falling in line with the cheaper cost of borrowing. Although new mortgage applications are mostly on hold due to COVID-19 restrictions, those with existing mortgages should consider switching to a different offer; as they could access some great deals!

What mortgage deals are available?

Mortgage lenders are starting to bring new deals to the market for both fixed rate and tracker mortgages. Experian have launched a user-friendly remortgage calculator to support customers in the search process for the best deals on the market. They have also stated that using this will not impact on credit scores.

The greatest saving can be made for those who already own large amounts of equity on their homes, or those that have put down large deposits. However, that should not stop you from considering a new mortgage deal.

How long does my mortgage offer last?

Usually, a mortgage offer is valid to you for three months. This is from the date that the offer was made to you, up when you take the funds. However, within the current conditions, lenders are offering an additional three-month extension to their offers.
 
Click here to find out more about our mortgage services 



What Is The NHS Volunteering Scheme And How Can I Help?

 
The Coronavirus pandemic has touched all of us in one way or another, and as well as the well-publicised scenes of panic buying and empty shelves there have also been huge acts of kindness and altruism. The NHS volunteering scheme is a great example of the manner in which people have pulled together during a truly unprecedented time.

Health Secretary Matt Hancock is looking for 250,000 volunteers in order to help the most vulnerable who are shielding themselves from the virus by self-isolating, totaling around 1.5 million individuals.

After a single day of online registration being available, Hancock’s target had been met – with a quarter of a million volunteers in under 24 hours which shows how keen the country is to band together and help one another.

Volunteers will be key in order to keep the NHS from becoming overcrowded and overworked, as they enable the most vulnerable to stay out of harm’s way.

Example volunteer tasks will include tasks such as;
Delivering medicines from pharmacies
Driving patients to appointments
Taking them home from hospital
Making regular phone calls to check on people isolating at home

If you would like to sign up to be an NHS volunteer, you can do so by visiting https://www.goodsamapp.org/NHS



Keeping The Kids Entertained

 
With schools now essentially closed across the country, many parents are having to care for their children whilst also working from home. During these unusual circumstances, it is essential to keep your children’s minds active, as well as ensuring that they exert some physical energy. We have compiled a list of resources and activities which should help fill the days…

1) Joe Wicks PE lessons – Joe Wicks, known as “The Body Coach” is streaming thirty minute PE lessons for kids every morning at 9am from Monday to Friday. You can either follow the workout live or catch it on his YouTube channel here https://www.youtube.com/channel/UCAxW1XT0iEJo0TYlRfn6rYQ

2) Carol Vorderman’s maths resources – since the Government chose to close schools for the masses, Carol Vorderman’s online maths resources have been made free for all to use. You can visit the site at https://www.themathsfactor.com/ and there are plenty of resources to keep your children busy, all of which have different levels of difficulty attached.

3) TES.com – You may never have heard of https://www.tes.com/ but if you are a teacher or work in education then it is a goldmine of resources. You can sign up free and then in the “Resources” section you will find literally thousands of lesson plans, activities and ideas that teachers upload to the site and often form the basis of their own lessons. With TES you can search for a specific topic and there will often be multiple resources – if you are looking to keep up your child’s scholastic habits during the school closures, this will be a real lifesaver.

4) Audio books – David Walliams’ children’s books have proved to be extremely popular and for the next month a new audio story will be released each day totally free of charge. Just head to bit.ly/AudioElevenses each day for the latest story.

5) Twinkl – Twinkl provides professional educational resources from early years upwards and often puts together some of the most imaginative learning resources around. During the Coronavirus period, they have made many resources free of charge and are offering free guides to help you with your child’s education https://www.twinkl.co.uk/resources/covid19-school-closures

6) Teach them to cook – If you are looking to teach something extra-curricular then why not start in the kitchen? Teaching your children a few basic recipes will eat up the time, as well as teaching them valuable life skills. You can start with baking basic recipes that require few ingredients, to them helping you with dinner for the evening.

7) Learn a new skill – With the internet, there is no excuse for avoiding new skills and has there ever been a better time to do so? With your child, you could learn how to knit – order the tools online – and could watch videos together, whilst helping one another with the intricacies of the craft. Other popular crafts to learn include crochet, needlepoint and cardmaking.

8) Practise yoga – In the current climate, it is easy to feel overwhelmed with world events, and children are extremely sensitive to our own behaviours. One activity that you can do together and is mutually beneficial is yoga – there are plenty of apps or YouTube channels which you can use to guide you through the process, and it should help with your whole family’s wellbeing.