Despite the relative success of the Help to Buy scheme and the hope surrounding the recent announcement of a Help to Buy ISA, finance still remains a significant barrier facing prospective homeowners hoping to step on to the ladder, with many finding themselves pushed to their financial limits in their attempts to purchase a home
One of the first things you'll need to decide is when you are thinking of moving. If you are looking to move in the immediate future, your focus will be on making aesthetic improvements to make your home more 'sellable'. Alternatively, if a move is a year or more away you could benefit from taking on a more significant project to add value to your home.
I hate VAT. I hate it as both a business owner and a consumer. But I hate it even more when it's not 'wrapped up' within the price of the product or service that I am purchasing, as a consumer. So why do professional services, that are selling to the consumer, quote fees that are 'exclusive', or 'plus VAT'? It has never made sense to me.