How can I get a mortgage if I’m self employed?

At a time when mortgage lending rules are considerably tighter than a decade ago, it can seem almost impossible for self-employed borrowers to get the mortgages they need. Whilst it would be wrong to pretend it is easy, there are mortgages available, and this piece aims to provide some guidance.

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Gather your information

As a first step towards finding your mortgage, it is a good idea to do some research to find the lenders and brokers who can best help. Totally Money has a useful site, and This Is Money gives good guidance and has a best buy list.

Do these things

Some positive actions to take which will help the process of arranging a mortgage include:

Talk to your current lender or bank
Consult a broker
Use a certified or chartered accountant to prepare tax returns and accounts
Keep your financial records up-to-date.

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Don’t do these things

These actions should be avoided if you are in the market for a mortgage:

Give up – finding a mortgage will be difficult, but not impossible!
Minimise your profit / income with a view to saving tax – to get a mortgage you need evidence of strong healthy finances, not losses.

Using a broker, or financial advisor

Financial advisors or mortgage brokers can offer expertise and help to find the best mortgage for your needs. As well as a wide knowledge of what is available, they will use specialist tools, including back office systems for IFAs, such as provided by Intelliflo https://www.intelliflo.com/, to help them offer the right mortgage.

Other things to consider

Normally, you will need 2 years’ of financial records to apply for a mortgage, but some lenders will consider you if you don’t yet have those available. Again, different lenders take different positions about profits retained in the business, and how that affects mortgage decisions. Of course, you will need a healthy credit rating, for both you and your business, so take steps to check, and if necessary, repair them. The model under which you run your business – sole trader, partnership, or limited company – can affect your mortgage status. All in all, it is probably worthwhile getting the help of a specialist mortgage broker, preferably one who is used to self-employed applicants.

Setting Up an Appointment for Boiler Repair

There are various residential and commercial establishments with boilers for heating. These machines are designed to last for a long time. Just like any other machines, they also break down. Hence, repair is necessary. Since it is an extremely essential machine for heating, it is impossible to go on for days without fixing it. As soon as the problem arises, an appointment for boiler repair must be set up.

Look for the best repair service

Boilers are not easy to deal with. It is important to have only the best people placing their hands on the equipment. Those who are not used to boilers might further complicate the problem. Worse, the entire boiler could even break down. Make sure the boiler repair company you partner with has years of experiences in handling boiler issues, whether they are in residential or commercial areas.

Take time to compare and contrast the options available. Check the cost for their services and the number of years they have been providing services to their clients. Reading reviews or seeking recommendations from friends would also be of great help.

Schedule the repair

Once you have found the best company to help you out, call them to confirm the information you have found online. Ask questions if you are uncertain of their services. If you have agreed on the price and the time for them to come and provide their services, confirm the appointment.

Some companies require a down payment for the services before they send someone to come over and do the job. The remaining amount agreed upon will be paid after the service is done.

 

Emergency repair

There are instances in which an emergency repair is necessary. The good thing is that there are companies providing 24/7 services. Tell them what the problem is and where you are located so they can send people to do the job immediately. This is true especially if the problem involves something that could get worse, possibly causing a fire or an explosion.

Take note that emergency repair services cost a lot more. Ask for a quotation first before agreeing to the deal. However, in a case where things could get worse, you have no choice but to avail of an emergency repair service.

You need not worry if you have the best person helping you to solve this problem. Boiler repair and other related issues can be solved easily if you have the right person by your side every step of the way. Rest assured, if you need a gas Engineer London has many high quality companies which employ experts who can help you solve these problems. You just have to give them a call and schedule the repair right away.

 

Image via freedigitalphotos.net (khunaspix)

 

How to Make Your Small Warehouse Space Work Harder

Space is a crucial factor for any warehouse facility and it’s essential that businesses have enough to operate effectively and efficiently. However, extra space also comes at a cost, which impacts on profits. It can also be hard to find enough space in a suitable location, so sometimes there might have to be a compromise.

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Choose the Right Storage Equipment

If you’re running out of space, conducting an assessment of what you currently have in stock and how you use the space can be beneficial. Once you have this you can look at the various storage options that are available, such as used pallet racking, to decide which will be best for your requirements. It’s important to choose systems that have the flexibility to grow as your stock needs expand, like modular cabinets.

Benefits of Automated Systems

For those facilities that store large and bulky products that can’t be handled manually, an automated system will allow the warehouse to run smoothly and at full capacity all the time. These systems offer additional safety features, as there is less of a requirement for employees to pick and handle goods, so it also minimises the risk of human error.

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Make the Most of Height

As it becomes harder to get sites with sufficient storage space in the best locations, companies are looking at alternatives, with some even choosing to build warehouses underground. However, an easier way of making your space work more efficiently is to use vertical storage systems, such as the used pallet racking available from www.rackzone.ie/pallet-racking.

This allows you to maximise every cubic foot and gives you more floor space to use for other features. Innovative handling systems have reduced the need for fork lift trucks to access high racks, which improves safety and limits the amount of aisle space that is required.

Look to the Future

As well as considering your current requirements, you also have to have one eye on the future, to ensure that you choose a cost effective system that can grow with you. As your need for warehouse space expands, having a flexible system that can adapt to these changes means that you can simply add to what you already have, rather than needing to start again, which would disrupt the operation of the business.

How professional hockey is getting serious about technological advantage

Professional hockey has experienced many developments in the sport over recent years, particularly when it comes to technology. Tech in sport is always an exciting subject because it has the potential to completely change the way we play, watch and judge sport. Several new technological developments were seen at the Hockey Word Cup this September. Read on to discover the technology that is changing the face of hockey.

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Player and Puck Tracking

The Hockey World Cup saw the first use of tracking players and pucks in its non-exhibition matches. The league and NHLPA worked with SportVision to use infrared sensors on the back of the players’ jerseys and in the puck. This enabled the tracking of data points, including skating speed, skating distances, puck trajectory and speed, and player location.

The data from the player and puck tracking technology will be used by broadcasters to feature graphics live on replay, in analysis and for in-depth editorial. However, the tracking experiment does not include a tool for fans to interact with the data, which will be a disappointment to some spectators.

Dasherboard Developments

Another tech development during the World Cup of Hockey was digitally-enhanced dasherboard tech during the live games. This provided the ability to replace TV-visible dasherboard ads that have different advertisements. This will allow the league and union to provide advertising options specific to each broadcast feed.

Sponsorship

The event brought in a huge amount of sponsorship revenue. Many new partnerships have been announced, including sponsors from Asia and Europe. It is thought that the event brought in more than $120M in total revenue. Despite the US’s poor showing at the World Cup of Hockey, there has still been much sponsorship interest due to the wide audience that comes from international video streaming.

Video Drills

Technology is also being used at the national and club level to improve training with field hockey drills available online, such as those available at https://www.sportplan.net/drills/Hockey/. These give players useful ways to improve their skills by watching videos with images and discussion about positioning, shooting, tackling, passing and more.

Technology is becoming more involved in sport than ever before. From training to advertising, new tech can help clubs, fans, players and advertisers get more from the game of hockey.

Choosing a Good Mold Removal Company In Alberta

Everyone wants their home to be a place where they and their loved ones can relax, enjoy and feel the safest. However, there are some things that interfere with this from time to time. Things such as mold can make your home less habitable, or even a health hazard. If left unattended, mold, mildew and asbestos can pose a health risk to your family. If you suspect mold or asbestos is in your home, you should immediately contact a company that deals in mold testing and asbestos testing in Alberta. Mold can worsen allergies, cause breathing issues, and can spread quickly, causing damage to your house.

If you intend to hire a professional service for mold testing and removal, do not attempt to clean the mold by yourself. This also applies for asbestos. If you suspect asbestos in your home that is causing health issues to your family, engage a professional for asbestos testing in Alberta. These professionals know how to go about the testing and removal processes carefully, without causing more harm.

There are several things that should be considered when choosing a professional company for mold testing and removal. First, check the experience of the company. Ask how long the company has been offering these services in your area. Companies that have been operational for at least five years should be preferred as they are likely to offer high quality services.

Ask for references from the past clients of the company and contact them to know what to expect from a potential company. Clients who have used the company for asbestos testing in Alberta in the recent past should be able to give you valuable information about the company. Ask how professional the company was and if they would hire them again in the future if given a chance. Avoid any company that is reluctant to give you this information.

Licensing is another important thing to consider when choosing a company for mold testing and removal. Ask to see proof of licensing and ensure that the license presented is authentic. If you have doubts, contact the relevant authorities for confirmation. You should also ensure that your potential mold removal company belongs to the relevant trade associations. Membership in these organizations shows that the company is committed to using the most recent techniques and tools for mold removal.

The reputation of a company is also important. Before hiring a company, ask what other people around you think about it. This includes your friends, relatives and close workmates. The Internet is also a good place to learn about a company’s reputation. Read client reviews on different companies and avoid those with many negative comments.

Finally, consider cost. Compare pricing from one mold testing and Removal Company to another to get the most reasonably priced. However, never make your decision solely based on price. If you have to pay a little more to get a much better service, you will be doing your family a huge favour. Avoid mold removal companies that are extremely cheap, because this could be an indication of substandard services.