How to Secure Your Dream New Build Plot Early

How to Secure the Best Plot When Buying a New Build Home

Securing the best plot in a new build development is a top priority for many buyers. Whether you’re after a prime corner plot, a south-facing garden, or a home with the best views, acting early is essential. This guide will help you stay ahead of the competition and increase your chances of securing the perfect new build home.

1. Research the New Build Development Before It’s Launched

The most effective way to get ahead of other buyers is to start your research early. Developers often release information about upcoming phases well before the official launch.

How to do it:

2. Get Pre-Approved for a Mortgage

Securing a mortgage agreement in principle before the plot release makes the process smoother and faster. Developers prioritise buyers who can demonstrate financial readiness.

Why this matters:

How to do it:

Read: How to apply for a mortgage UK

3. Attend Early Previews and Soft Launches

Developers often host VIP previews or soft launches for registered buyers before the official release. These events give you an early opportunity to view and secure the best plots before they open to the public.

How to do it:

4. Know What You Want in a New Build Home

Having a clear idea of your preferred plot can speed up decision-making. Developers expect quick choices, especially in sought-after locations or during early phases of the development.

Consider:

How to do it:

5. Be Ready to Act Fast When Buying a New Build Home

Plots in desirable developments often sell quickly. Once you’ve done your research and attended any pre-launch events, be prepared to act when plots become available.

How to do it:

6. Consider Part Exchange or Help to Buy

Many developers offer incentives to simplify the buying process. If you’re still selling a home or need financial assistance, these schemes can help.

Why this helps:


Looking to buy a new build home? Sign up for the Hurstwood Homes newsletter for expert advice and updates on the latest new build developments and available plots!

The final phase of new build homes at Newchurch Meadows, Rawtenstall, is move-in ready now, and our new development at Cotton Meadows, Barnoldswick, will be launching soon. Register your interest today to ensure you don’t miss out on this beautiful collection of homes!

New Year, New Home: Discover your Dream Hurstwood Home in 2025

As we embrace the new year, there's no better time to make a fresh start by moving into a home that suits your needs and lifestyle. Whether you're looking to upsize, downsize, or simply find a home that fits your vision of the future, 2025 offers a unique window of opportunity. With favourable market conditions, lower mortgage rates, and impending changes to stamp duty, now is the ideal time to make a move—and there's no better place to find your dream home than with Hurstwood Homes.

Wanting to Make a Change?

Making the decision to move is a significant one—emotionally and financially. Whether your family is growing, your needs are shifting, or you're simply looking for something new, it’s important to consider the right time to act. If you've been finding yourself browsing properties or feeling like it's time for a change, you're not alone. At Hurstwood Homes, we understand the importance of making a home that works for you. Here are some signs it might be time to make the move:

  1. You Need More Space
    For families growing or those welcoming guests over the holidays, a lack of space can feel overwhelming. If you're constantly struggling for storage or fighting for bathroom time, it might be time to move. Hurstwood’s generously proportioned homes, like the Willow with five bedrooms and three bathrooms, can ensure everyone has their own space.
  2. You Want a Layout That Works for You
    We’ve all experienced the frustration of a home that doesn’t quite fit our needs. Perhaps you’re looking for an open-plan space or more privacy for work and relaxation. Whether it's a spacious kitchen, family room, or the addition of a home office, Hurstwood Homes offers a variety of layouts to suit your preferences. Our Chestnut four-bedroom home, for example, has an open-plan kitchen and dining space perfect for family gatherings.
  3. Your Circumstances Have Changed
    Whether you’re moving in with a partner or need to relocate for work, changing life circumstances can make it clear that it’s time to look for a new home. Many of our homes come with flexible spaces—such as extra bedrooms or additional reception rooms for home offices —to adapt to your changing needs.
  4. You Want to Redress the Work/Life Balance
    If you’ve started working remotely, or simply want to reduce your commute, moving closer to work or to a more peaceful environment could improve your life balance. Our developments are strategically located to offer easy access to transport links while providing a tranquil environment to call home. Read our article on why Rawtenstall, the home of Newchurch Meadows, is ideal for commuters.

Why Move Now?

2025 is shaping up to be a promising year for the housing market, and there are several reasons why it’s the perfect time to make your move:

  1. Lock in Savings Before Stamp Duty Relief Ends
    The current stamp duty relief ends on 31 March 2025, which could mean higher costs for buyers later in the year. By acting now, you can save thousands and secure your new home before the stamp duty changes. Plus, purchasing from Hurstwood Homes means you’ll benefit from a smooth process with no upward chain, speeding up your move and maximising your savings.
  2. Take Advantage of Low Mortgage Rates
    Mortgage rates have stabilised after their highs in 2022, and many experts predict that they will continue to fall in early 2025. Lower rates make it easier to secure a manageable monthly payment, so it’s an excellent time to lock in a competitive rate. Plus, Hurstwood Homes offers tailored mortgage options, including our exclusive Own New Rate Reducer scheme, making homeownership more affordable. Act now to secure a competitive interest rate and potentially lower your monthly mortgage payments.
  3. Beat the Spring Rush
    The property market tends to heat up after the holiday season, and prices are expected to rise by 2%-4% in 2025. By starting your home search now, you can avoid the competitive spring market and secure your dream home at a better price before demand pushes costs higher. This also means your home’s value is also likely to increase once you own it!

Make the Move to a Hurstwood Home

Choosing to move into a Hurstwood Home means choosing a lifestyle of luxury, comfort, and sustainability. Our homes are designed not only for modern living but also for long-term savings and environmental responsibility.

What Makes a Hurstwood Home Special?

Ways You'll Save in a Hurstwood Home
One of the major benefits of choosing a Hurstwood Home is the money you'll save over time. Our homes are built with the latest in energy-efficient technology, from high-quality insulation to solar panels and air source heat pumps in our newest developments. This reduces your energy costs and ensures your home stays comfortable all year round.

Start Your Search Today

2025 offers a perfect opportunity to secure your dream home with Hurstwood Homes. With an ideal combination of lower mortgage rates, favourable stamp duty relief, and a growing housing market, now is the time to make your move.

By choosing a Hurstwood Home, you're not just investing in a house—you're investing in a better way to live. With modern features, energy efficiency, and a design that suits your lifestyle, there’s no better time to find your perfect home.

Start your search with Hurstwood Homes today. Make 2025 the year you move into the home you have always wanted!

Contact us today to schedule a viewing and discover your perfect Hurstwood Home.

Hosting in Your New Hurstwood Home: A Guide to Memorable Gatherings

With the holiday season approaching, there’s no better way to celebrate than by hosting a cosy dinner party in your new Hurstwood Home. Known for their open layouts, luxurious finishes, and thoughtful details, Hurstwood Homes are crafted to make gatherings both seamless and unforgettable. Let your new home shine as the perfect backdrop for a night of warmth, laughter, and lasting memories. 

Here’s a guide to hosting a dinner party that both you and your guests will cherish.

Homes Designed for Hosting

Open-Plan Living Spaces: Hurstwood Homes feature spacious open-plan layouts that create a welcoming, sociable atmosphere. The kitchen flows effortlessly into the dining areas, so you can easily mingle with your guests while preparing dishes. The design invites everyone to gather, watch, and even smell the delicious food as it’s prepared—adding a unique sensory experience to your event.

Kitchen Island Conversations: Your Hurstwood kitchen island, equipped with Neff appliances and stylish SieMatic design, is the perfect place for pre-dinner conversations. You can use it to display an appetiser spread with charcuterie, cheeses, or seasonal snacks. This encourages guests to gather, snack, and chat, keeping the energy lively as the evening begins.

Utilise Your Kitchen’s Features: Take full advantage of your well-equipped Hurstwood kitchen - use the integrated Neff appliances wisely. With a thoughtfully planned menu, you can ensure your evening is enjoyable for you too! Prep dishes ahead of time to add finishing touches to as your guests arrive. Or, a starter that simply needs warming means you can join in the conversation as everyone catches up.

Decorating the Dining Table: If this is your first time with a full dining table, now’s your chance to make it shine. Decorate it with seasonal touches like a lush centrepiece, candles, or sprigs of pine or holly. Simple, personalised place settings—like name cards or mini ornaments—add a special touch. With a Hurstwood Home, hosting becomes an opportunity to make every meal a memorable experience.

Crafting the Menu

A Signature Drink: Start the evening with a festive signature cocktail or a warming drink. Always have a drink ready for when your guests arrive, whether it's a specialty drink to impress them or a simple beverage to make them feel at home. You could also set up a cocktail station on your quartz-topped kitchen island so you can mix drinks as your guests arrive or let them help themselves to a festive drink while you cook.

Here are some festive “make-your-own” hot drink station ideas:

It’s practical for a chilly evening and helps guests feel right at home.

Tip: Plan out your appliance usage to avoid juggling multiple dishes at once.

Seasonal Ingredients: Choose seasonal, winter-inspired ingredients to complement the cosy ambiance of your Hurstwood Home. Root vegetables, hearty greens, and warming spices are perfect for crafting a comforting winter menu. Not only are seasonal ingredients more affordable, but they also bring a natural festive feel to your gathering.

Planning & Prep: Thoughtful planning can make the evening stress-free. Plan a menu that feels comfortable for you to prepare, adding canapés for an appetiser, a show-stopping dessert, and considering dietary needs. This way, everyone feels included and cared for. Sharing plates are ideal for creating a sociable atmosphere and allow guests to build their own plate. Consider three or four dishes that everyone can help themselves to and that cater to all - during this festive period, consider some roast potatoes or a seasonal salad. (This also saves on plating time and reduces waste!)

Post Meal Pudding: No festive gathering in your Hurstwood Home is complete without a cosy post-meal pudding, and making it can be a shared experience. If you don’t already have a Christmas pudding stored in your pantry or utility room, invite friends or family over beforehand to help bake classic treats like gingerbread or mince pies. There’s nothing like preparing these holiday sweets together, filling your home with warmth and festive aromas and giving you more time to enjoy your evening. Then, after dinner, serve these comforting desserts by the log burner, letting everyone enjoy the sweet end to a memorable evening.

Show Off Your Space

Create an Ambiance: Set the mood with soft lighting, subtle music, and seasonal scents. Dim the lights, add a few candles to your beautifully set table, and put on a curated playlist that evolves with the evening—from light instrumentals during dinner to festive classics for later on. Thoughtfully selected music enhances the ambiance without overshadowing conversation.

Thoughtful Touches:  Take advantage of Hurstwood Homes’ thoughtful design and decorate a few cosy corners. Add holiday pillows and blankets to your seating areas, arrange a small seasonal centrepiece in the entryway, and hang garlands or wreaths on the stairs. These touches bring the holiday spirit into every part of your home.

Thoughtful touches can make your Hurstwood Home feel especially welcoming for your guests. Fresh flowers add elegance and warmth, while mistletoe in hallways add a cheerful, seasonal touch. A seasonal candle or arrangements of pine branches bring a subtle, natural fragrance, and bowls of clove-studded oranges add a nostalgic, festive scent. Set out a few well-loved games or offer nostalgic nibbles that spark memories and conversation. These little gestures show your loved ones how much you care about them and the joy you find in sharing your beautiful new home.

Finish by the Fire: If your Hurstwood Home is fitted with a log burner, it’s the perfect spot to gather after dinner. Arrange seating nearby with throws and floor cushions to create a cosy area where guests can relax, chat, and enjoy a warm drink, a festive digestif or a post-dinner game. It’s the perfect way to reminisce on the evening and wind down with your loved ones.

Enjoy the Moment

Remember, the most memorable gatherings are all about the shared experiences—the laughter, the conversations, and the time spent together. Share hosting tasks with a partner or family member to keep things light, allowing you to focus on making lasting memories in your beautiful new home. With a Hurstwood Home, designed with thoughtful details and luxurious finishes, your gatherings will be full of warmth and togetherness.

Each detail in your Hurstwood Home—from the individually designed SieMatic kitchens by Stuart Frazer to the cosy log burner—has been crafted to make entertaining effortless and enjoyable. Utility rooms add convenience, serving as the perfect place for preparing additional courses or storing essentials, keeping your kitchen clear and ready for hosting.

Find your forever home with Hurstwood, where every gathering is an opportunity to create memories that last a lifetime.

New Hurstwood Homes are available at Newchurch Meadows and more coming soon at Cotton Meadows. Get in touch to find your dream home and start making memories.

Energy-Saving Strategies for a Cosy Home

As the colder months approach, we are all looking for ways that we can keep our homes warm and cosy without building up a larger energy bill. At Hurstwood Homes, we understand the importance of energy efficiency in modern homes, for your comfort, environment and budget.  With rising energy costs and environmental concerns, finding ways to reduce your carbon footprint while saving money is more critical than ever.

Here are some practical and specific tips to help you cut down on energy use while staying comfortable all year round.

Heating and cooling: 

One of the most significant areas where you can reduce energy consumption is in your heating. Here are some easy steps to consider:

Our new homes at Cotton Meadows and Tabley Homes development Beeston Park have air source heat pumps. These pumps are a sustainable alternative to traditional heating systems. These innovative pumps extract heat from the outside air, even in temperatures as low as -15°C, to provide heating and hot water. This process is highly efficient, significantly reducing CO2 emissions and lowering heating costs. 

Water Usage

Appliances and Electronics

Small changes in how you use your appliances can lead to big savings:

Tip: Consider a smart plug - smart plugs are controlled by your voice or smart phone and mean you can always switch off your appliances if you forget! They are also super handy for the festive period to control your Christmas lights - in the app you can create schedules or turn them off when no one is in the room.

Washing and Drying

Laundry can consume a lot of energy, but there are ways to cut costs:

Insulation and Drafts

Track your energy usage!

Take advantage of your smart meter to monitor energy consumption. Regularly checking your usage helps identify areas for improvement and ensures you stay on track with savings. By implementing these sustainable, attainable practices in your daily life, you can make a significant impact on your energy bills, and the environment!

Get prepared for a cosy winter and enjoy every moment in your home!

Save more with a Hurstwood Home

Our homes are proud to boast an EPC B rating or above, so you can be certain to save more with a Hurstwood Home. Every Hurstwood Home is designed with superior insulation, high-performance windows, and energy-efficient lighting and appliances. Homeowners enjoy lower energy bills, a reduced carbon footprint, and a comfortable living environment year-round.

Read more on how you can save with a Hurstwood Home here.

Find your Hurstwood Home now to save more with an energy efficient home whilst enjoying all of the comfort and quality that comes with it.

Homes available now at Newchurch Meadows and Cotton Meadows coming soon.

Save on Costs with A New Build Home

With Ofgem’s recent rise in the energy price cap, transitioning to a energy efficient new build home can help you save significantly on your energy bills.

If you're considering buying a new home, Hurstwood Homes offers an excellent choice due to our high spec new builds. New build homes are designed with sustainability and energy efficiency in mind, translating to substantial savings on your utility bills. Featuring advanced energy-efficient elements like double glazing, superior insulation, and modern heating systems, a Hurstwood home not only helps reduce your environmental impact but also significantly lowers your monthly expenses. 

Lower Carbon Emissions

One of the standout benefits of new build homes is their significantly lower carbon footprint. On average, a new build home emits only 1.29 tonnes of carbon per year, which is an impressive 63% less than older properties that emit about 3.52 tonnes annually.* By opting for a new build, you’re not only enhancing your quality of life but also contributing to a substantial reduction in carbon emissions—an important factor in combating climate change.

Every Hurstwood Home is designed with superior insulation, high-performance windows, and energy-efficient lighting and appliances. Homeowners enjoy lower energy bills, a reduced carbon footprint, and a comfortable living environment year-round.

Superior Energy Efficiency

New build homes are equipped with the latest energy-efficient technologies and materials. A staggering 86% of new builds achieve an A or B Energy Performance Certificate (EPC) rating, compared to just 5% of older properties.* Our properties at Hurstwood Homes are only ever B EPC rated or above, meaning homes like ours at Newchurch Meadows are inherently more energy-efficient, translating to lower energy bills and a reduced environmental impact.

Annual Energy Use Comparison

Existing houses consume an average of 23,932 kWh per year, while new builds use just 8,630 kWh - costing just £1359.36 on average compared to £3781.37 in an existing home. This represents a 59% reduction in energy usage across all property types and a staggering 67% reduction when comparing new build houses to their older counterparts.* While new builds are generally more compact and modern, they often offer more living space per square foot thanks to clever design and layout. Due to our innovative designs, new build homes simply use less energy per square metre - just 78 kWh/m² versus 234 kWh/m² for existing homes.

Significant Savings on Energy Bills

Energy costs are a major consideration for any homeowner. With superior insulation and energy-efficient appliances, energy bills can be up to 64% cheaper, thanks to that significant 67% reduction in energy consumption. This translates to substantial savings, with the average new build homeowner potentially saving over £200 a month and £2,400 per year on their energy bills.* Given the rising cost of energy, these savings can make a significant difference to your household budget.

 A Greener Future

In 2023 alone, buyers of new build properties helped reduce carbon emissions by a remarkable 500,000 tonnes. By choosing a Hurstwood Home designed with sustainability at its core, you’re actively participating in a collective effort to create a more sustainable world.

Your Future in a Hurstwood Home

Our vision is homes that not only serve your needs today but also protect our planet for tomorrow. We achieve this by choosing local and recycled materials, integrating energy-saving technologies, and employing green building practices that significantly reduce environmental impact. When you buy a new build home, you’re not just investing in a property; you’re investing in a lifestyle that prioritises sustainability, energy efficiency, and financial savings. 

Ways you’ll save in a Hurstwood Home:

Choosing a Hurstwood Home means enjoying modern amenities, lower energy costs, and the satisfaction of knowing you are making a responsible choice for both your life and the environment. Make the move, enjoy a new Hurstwood Home and realise considerable savings on your energy bills.

* Figures based on HBF 2024 'Watt a Save' report. Based on HBF analysis of EPC ratings, taking into account the scheduled Energy Price Guarantee (EPG) increases.


Final homes are available at Newchurch Meadows and we have more sustainable new build homes coming soon at our Cotton Meadows development and our Tabley Homes development, Beeston Park. Find your Dream Home now.

Save on a Hurstwood Home with Own New Rate Reducer - Find out more here

Why Buy Now?

Enjoy the Best of Autumn in Rawtenstall

Rawtenstall is the perfect place to experience the charm of the Autumn season - the crisp autumn air sets in and the landscape transforms into golds, reds, and oranges, Whether you’re looking for a romantic trip, a beautiful autumnal walk or a fun activity for the family, Rawtenstall has something for everyone. The Home of Newchurch Meadows, Rawtenstall has plenty to offer all year round for visitors and residents alike.

Embrace the Outdoors in Rawtenstall

Immerse Yourself In The Natural Surroundings

Take a walk through hills, fields or forests as Rawtenstall is abundant! Choose the perfect trail for you, from light walks to hikes, and witness the changing of the seasons. View the colours of the season from stunning panoramic views and relish in the crisp, fresh autumn air of the Rossendale Valley and beyond. Whether it’s a morning hike through the scenic trails or a relaxing evening in your dream home, Newchurch Meadows offers the perfect blend of the great outdoors and the comfort of home. Imagine waking up to the stunning beauty of the Rossendale Valley everyday!

Wander Through Whitaker Park

Experience autumn in all its glory by taking a leisurely walk through Whitaker Park. With its vibrant foliage and peaceful paths, it's the perfect spot to enjoy the season's natural beauty. Bring a picnic or simply enjoy a quiet moment in nature. Whitaker Park is also newly home to an ‘Unpave the Way Garden’, showcasing innovative garden designs such as rainwater harvesting and flood prevention techniques. Don’t miss this eco-friendly inspiration!

Read more about Whitaker Park’s ‘Unpave the Way Garden’ 

Hit the Slopes

Looking for a bit of excitement? Head to The Hill Ski Centre for some outdoor adventure on the dry slopes. Whether you're into skiing, snowboarding, or tubing, they cater to all ages and offer adrenaline fuelled fun all year around - yes, even in autumn! Hit the slopes early this year and get practising for your ski holiday this winter.

Experience the Halo Panopticon

For a unique blend of art and nature, visit the Halo Panopticon. This stunning structure not only offers panoramic views of the Rossendale Valley but also transforms into a glowing blue beacon at night, creating an unforgettable visual experience. Truly an unmissable spectacle at all hours of the day!


The Halo Panopticon - An intriguing sight near Rawtenstall that cannot be missed!

Discover Rawtenstall’s Rich Culture

Explore Local History at the Whitaker Museum

After an autumn walk in Whitaker Park, relish in history and art at The Whitaker Museum, an innovative museum and gallery with inclusivity, sustainability and heritage at its core. With 189 oil paintings in their permanent collection, regularly changing collections and free entry, you’ll want to keep this cultural gem close to home. This season they’re also hosting film screenings as well as artist workshops so be sure to check out what’s on! 

Explore Rawtenstall Market

Stroll through Rawtenstall Market, where you can pick up fresh local produce, unique crafts, and seasonal treasures. Explore the incredible street food vendors, open Thursday to Sunday 12pm until late. It’s the perfect place to find something special while supporting local artisans and farmers and makes for a very wholesome day out. A loaf of The Crust Bacup Sourdough and some fresh cut flowers from Potted are some little ways to make your new house feel like a home

Indulge in Autumnal Treats

Warm Up with Seasonal Meals

Rawtenstall's cosy pubs and restaurants are the perfect places to indulge in hearty autumnal meals, including plenty of Sunday roasts to choose from! Be sure to visit Fitzpatricks, Britain’s Last Original Temperance Bar, for a taste of local history - and don’t forget to check out their seasonal specials! 

Sip a Seasonal Beverage

For a true taste of autumn, stop by one of the town's local coffee shops. Siphon Espresso serves up a delightful chai latte, perfect for a chilly afternoon.  If you're in the mood for something stronger, visit the Northern Whisper Tap Room and try their Rossendale Lager.

Pick Pumpkins and Enjoy Farm Fun

Situated in the countryside, Rawtenstall is surrounded by farms where you can fulfil your autumn bucket list. Just outside of town, Mrs Dowson's Farm Park offers fun autumn activities for the whole family. Pick your own pumpkins, brave the Scare Kingdom, or enjoy a magical evening at one of their pumpkin nights.

Take a Trip Beyond Rawtenstall

Hop on the Bus to Manchester

Just a 45-minute bus ride away, Manchester offers endless activities to enjoy this season. Whether you’re shopping for sophisticated seasonal decor for your new home, looking for an autumnal dining experience in the cosiest restaurants in the city or wanting a fright from one of Manchester's spookiest attractions, it’s all just a short trip away from Rawtenstall. Who said you have to choose between countryside and city life? Rawtenstall is the best of both!

Ride the East Lancashire Railway

All aboard the East Lancashire Railway for a fun family outing! With special seasonal events like the Wizarding Adventure and Halloween Ghost Trains, this heritage railway line offers a magical journey with stunning autumnal scenes.


From outdoor adventures to cultural delights and cosy seasonal treats, Rawtenstall offers something for everyone this autumn— and the rest of the year alike! 

Want to make Rawtenstall your home?

Our luxurious modern homes at Newchurch Meadows are nestled in this charming town, surrounded by the scenic Rossendale Valley. Each home is meticulously crafted with top-quality materials and features, showcasing our team's dedication to excellence. Designed with local needs in mind and built using local materials, these homes perfectly complement the beauty of Rawtenstall.

If you find yourself in Rawtenstall this autumn, be sure to visit our Newchurch Meadows show home at Johnny Barn Close, Rossendale, BB4 7TL,  Friday and Saturday from 11am to 3pm. Come and find your new home in Rawtenstall.

Rawtenstall, The Rossendale Valley

(Photo: Rossendale landscape by Karol Wyszynski)

Getting Your Home Ready for the Colder Months

Autumn Home Preparation

As the leaves turn golden and the evenings grow darker, it's the perfect time to start preparing your home for the colder months. Autumn isn’t just about cosy blankets and warm drinks; it’s also the season for essential maintenance tasks that will help your home withstand the chill of winter. Let’s walk through some practical steps to ensure your home is both warm and welcoming.

Essential Home Maintenance for Autumn

Inspect Your Heating System

The last thing you want is to discover a problem with your heating when the cold sets in. Make sure your boiler or central heating system is in good working order before the temperatures drop.

Clean the Gutters and Downspouts

Falling leaves may look beautiful, but they can quickly clog your gutters and downspouts, leading to blockages and potential water damage. Cleaning them out in the autumn helps prevent dampness and leaks when heavy rain or snow arrives.

Inspect Windows and Doors for Drafts

Drafts can be a major source of heat loss in your home. Autumn is the time to check that your windows and doors are properly sealed to keep the warm air in and the cold air out.

Roof Maintenance

Your roof is your home’s first line of defence against the elements, so giving it a once-over before the weather turns is essential. Roofs with quality natural slate tiles, like our homes at Newchurch Meadows, are perfect for the changing seasons as they are highly resistant to weathering and help regulate indoor temperatures.

Test Smoke and Carbon Monoxide Alarms

With heating systems running and fireplaces being used, the risk of carbon monoxide exposure increases during the colder months. Checking your smoke and carbon monoxide detectors is a simple but critical safety task.

Cosy Décor Ideas for Autumn

Once your home is prepped for the colder months, it’s time to make the inside feel as welcoming and warm as possible. Here are some easy ways to cosy up your space for autumn.

Layer Up with Soft Textures

Adding soft textures is a simple way to make your home feel cosy in autumn.

Create Ambient Lighting

As the days get shorter, lighting becomes even more important in setting the mood. Soft, warm lighting can transform a room and make it feel much more inviting.

Incorporate Autumnal Colours

Bringing in the rich, warm tones of autumn can make your home feel instantly snug and seasonal.

Warm Up Your Fireplace

If you’re lucky enough to have a fireplace or log burner, like many properties at Newchurch Meadows, now is the time to make it the focal point of your room.

By taking care of essential maintenance tasks and adding some cosy touches, you can ensure your home is ready to welcome autumn. These small efforts now will help you stay warm, safe, and comfortable when the colder months arrive. Hurstwood homes are built with autumn in mind. Features like double glazing, efficient heating systems, and well-insulated walls ensure your home stays warm and cosy during the colder months. For more ideas on preparing your home for the seasons, explore Hurstwood Homes and find a property designed to help you enjoy every time of year.

Make your fireplace autumn ready by giving your fireplace a clean before it becomes a home staple again, decorating it with foliage and laying pumpkins out.

A Beginner's Guide to Applying for a Mortgage in the UK

Starting to think about buying a home in the UK?

Mortgages are the biggest financial commitment that most of us ever make. Before diving in, understanding your options, the process and the obligations you’re agreeing to is vital. Here’s a simple step-by-step guide to help you navigate the journey to homeownership:

1. Assess Your Finances

Before diving into the mortgage application process, you must take a detailed look at your financial situation. Start by calculating your monthly income after tax and subtracting your expenses, including rent, bills, groceries, and any other regular payments. This will give you a clear idea of how much you can comfortably afford to spend on mortgage repayments each month. Remember that some of these items such as rent will replace your mortgage payments and that some items, such as your bills and utilities could change too depending on the location or size of the property.

Additionally, take stock of any outstanding debts, such as student loans, credit card balances, or car loans. Lenders will consider your debt-to-income ratio when assessing your mortgage application, so paying down existing debts can improve your credit rating, financial health and ultimately your chances of approval.

Hand, keys and new home or people moving in together for real estate investment. Rent, mortgage and.

2. Check Your Credit Score

Part of taking ownership of your financial situation is knowing your credit score. It will play a significant role in the mortgage application process. Lenders use it to gauge your creditworthiness and it may be used to determine the interest rate they'll offer you. You can check your credit score for free through various online platforms such as ClearScore or Experian.

If your credit score is lower than you'd like, take steps to improve it before applying for a mortgage. This can include paying bills on time, reducing outstanding debts, and correcting any errors on your credit report. A higher credit score not only increases your chances of approval but also qualifies you for better mortgage deals with lower interest rates.

3. Save for a Deposit

Saving for a deposit is one of the most significant hurdles for many prospective homebuyers, and despite the headlines, cutting out avocados and Netflix is not the solution. Most lenders require a deposit of at least 5% of the property's value. The average UK deposit is currently 20%. The larger your deposit, the better your mortgage options and interest rates are likely to be.

Consider setting up a dedicated savings account and automating regular contributions to help you reach your deposit goal as quickly as possible. You may also be eligible for government schemes like the Mortgage Guarantee Scheme or the Lifetime ISA which can boost your savings with bonuses or government contributions. Alternatively, you could consider shared ownership or alternative mortgage schemes.

 Understanding the different types of mortgages available will help you choose the right one for your needs. Here's an overview of some common options:

   - Fixed-Rate Mortgage: Offers a set interest rate for an initial period (usually 2-5 years), providing stability and predictability in monthly repayments.

Successful independent african american woman in casual buying new home while filling out the sales documents in the background. Detail of keys from new home and tiny white model of house on work table of realtor with copy space.

4. Research Mortgage Options

   - Variable-Rate Mortgage: Interest rates can fluctuate over time, potentially leading to lower initial payments but also increased uncertainty. These rates are decided by the lender.

   - Tracker Mortgage: Tracks the Bank of England's base rate, meaning your interest rate and repayments can go up or down in line with changes in the base rate.

Consider factors like your budget, risk tolerance, and life plans when selecting a mortgage type. And remember that it’s always a good idea to talk to an independent mortgage broker or financial advisor to understand and assess your options.

Hand, keys and new home or people moving in together for real estate investment. Rent, mortgage and.

5. Obtain a Mortgage Agreement in Principle (AIP)

A Mortgage Agreement in Principle (AIP), also known as a Decision in Principle or a Mortgage Promise, is a conditional offer from a lender indicating how much they may be willing to lend you based on a preliminary assessment of your finances.

Getting an AIP can strengthen your position as a buyer when making an offer on a property, as it shows sellers that you're serious and financially prepared. To obtain an AIP, you'll typically need to provide basic financial information to the lender, who will then conduct a soft credit check to see if, in theory, they would lend you money towards a home purchase.

Business people home sales broker is using a pen pointing to the house model and describing the various components of the house.

6. Gather Necessary Documents

When applying for a mortgage, you'll need to provide various documents to verify your identity, income, and financial stability. Common documents include:

   - Proof of Identity: Passport, driver's license, or other government-issued ID.

   - Proof of Income: Recent payslips, tax returns, or bank statements.

   - Proof of Address: Utility bills, council tax statements, or bank statements.

   - Details of Debts: Information about existing loans, credit cards, or other financial obligations.

Gather these documents in advance to streamline the application process and ensure a smooth approval process.

7. Apply for a Mortgage

Once you've found a property and have an offer accepted, it's time to apply for a mortgage formally. If you have an AIP, it is usually quite straightforward to complete your full mortgage application, although you can also look at other lenders again if the market has changed. You always have the option to apply directly through a lender or work with a mortgage broker, who can help you with the process and find the best deal. 

Brokers have access to a wide range of lenders and mortgage products, allowing them to find the best deal tailored to your needs, sometimes with access to mortgage products that aren’t available openly. They will guide you through the application process, help you understand your options, and negotiate on your behalf. They can also provide expert advice on complex mortgage situations, such as self-employed applicants or those with less-than-perfect credit.

When applying, be prepared to provide detailed information about your finances, employment status, and the property you're purchasing. The lender will assess your application based on factors like your income, credit history, and the property's value.

Successful independent african american woman in casual buying new home while filling out the sales documents in the background. Detail of keys from new home and tiny white model of house on work table of realtor with copy space.

8. Undergo a Mortgage Valuation and Survey

As part of the mortgage application process, the lender will conduct a valuation of the property to ensure it's worth the amount you're borrowing. This valuation is primarily for the lender's benefit to analyse and mitigate their risk.

While a basic valuation is typically required, you may also choose to arrange a more comprehensive survey to uncover any potential issues with the property, such as structural defects or dampness. Although additional surveys incur extra costs, they provide valuable peace of mind and potentially save you money in the long run by identifying costly problems early on.

9. Receive Mortgage Offer

 If your application is successful, the lender will issue a formal mortgage offer outlining the terms and conditions of the loan. This offer will include details such as the loan amount, interest rate, repayment schedule, and any applicable fees.

You should review the mortgage offer carefully, paying attention to important terms like early repayment charges, conditions precedent, and any special provisions. Seek advice from your solicitor or mortgage broker if you have any questions or concerns before accepting the offer.

10. Complete the Purchase

Once you have a mortgage offer in place, you're one step closer to owning your new home. Work with your solicitor or conveyancer to finalise the legal aspects of the purchase, including exchanging contracts and completing the transaction.

Your solicitor will handle tasks like conducting searches, verifying the property's legal title, and arranging for the transfer of funds. Once all legal requirements are met, you'll complete the purchase and pay the remaining balance.

After completion, the property officially belongs to you, your mortgage commitments begin, and you can move in and begin enjoying your new home!

You may like: How do you buy a new build?

Stay in the know with our homebuyer advice, development news and latest offers. Sign up here.

Disclaimer: The information provided in this blog post is for informational purposes only and does not constitute financial advice. While we strive to provide accurate and up-to-date information, individual circumstances may vary, and readers are encouraged to seek personalised advice from qualified financial advisors or mortgage brokers before making any financial decisions. We do not accept any liability for the consequences of actions taken based on the information provided herein.