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Guide to Residential bridging finance

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Guide to Residential bridging finance

Bridging finance exists to plug the financial gap for property transactions. It is commonly used with residential property purchases such as:

1. When a chain exists and the borrower wants to buy their next property before their existing one is sold.
2. When a buyer is purchasing a property from an auction
3. In any circumstance where the borrower needs access to rapid property finance, with the minimum of paperwork or hassle.
4. Where a residential property needs refurbishment before being sold.
5. Where a traditional mortgage cannot be taken out on a property, such as a residential property that is unfit for human habitation, pending remedial works. What sorts of features do residential bridging loans have?

Generous loan sums
Typically, residential bridging finance will be on offer from around £250k, depending on the lender, and up to £50 million or even more. Most bridging loans can also be taken out with a property LTV of around 80%. Other features such as open market valuations may be on offer.

Short timescales
Bridging finance is usually offered from one month to 18 months. These are not long-term loans, such as a mortgage, and the short timescale is reflected in the higher interest rate.

Offered on an experience basis
Many bridging loans are offered on receipt of a business case, redemption plan or other types of evidence that show how the finance will be used, what the plan is to repay it and that the plan for doing so is workable and in line with the lender’s risk profile. For example, more experienced property developers will naturally be able to borrow larger bridging loans at short notice than a first-time auction buyer. Speak to your broker to present your case in the best possible way, so that lenders can offer you the best deal. At Hans Zarihs we do this for all of our clients so that they can receive the right bridging loan offers for their needs. We are always clear, transparent and helpful – providing tailored illustrations and all necessary information to help with decision-making. Whatever queries you might have, we are here to assist.

Specialist lenders
Asking where can I get a bridging loan? The answer is probably with a specialist provider, accessed via a broker. Most residential bridging finance is offered via specialist brokers who work with a panel of property-focused lenders. This is a niche product that tends to be used by more experienced and sophisticated borrowers who are either developing their own property through auction or refurbishment means, who want to build a property portfolio or who are expanding a portfolio using a range of financial tools. A specialist broker, such as Hans Zarihs, will provide:

– Access to a large tried and tested panel of bridging finance lenders for residential bridging loans
– A rapid process with only a short form to receive initial quotes and offers
– Generous and flexible terms, designed around the customer
– A visible commitment to customer service
– Excellent reviews and a trusted track record.

Bridging finance: Tips for borrowers

Bridging loans are a specialty finance project and new borrowers should proceed with caution if they are new to property finance or development, or are unclear about the features of this short-term bridging finance product. Tips for success include:

Find the right bridging loan lender
Many borrowers will use a bridging finance broker because this type of product isn’t usually available through a high street lender. Look for a broker who can provide access to best in class lenders – many of whom will only offer finance through brokers and who don’t deal directly with customers. Find a broker with a large panel of trusted lenders and experience in the field. A fast process and ready access to funding, without lots of paperwork or hassle, is also crucial for most borrowers!

Calculate fees
Look out for a bridging finance provider that offers options for zero exit fee bridging loans. Exit fees can be expensive and are charged on top of the bridging finance administration fee and interest charges. Use the online bridging loan calculator at Hans Zarihs to see the effect that different interest rates, loan terms, and fees have on the total cost of borrowing. This total cost is important when weighing up different products.

Check for flexible bridging finance features
Look out too for flexible features such as the ability to roll over, deduct or service interest payments depending on your needs. Open and closed bridging finance deals may also be of interest to you, depending on whether you expect to be receiving sale proceeds or a mortgage income at a certain defined point, or you wish to keep the bridging loan facility open on a more flexible basis, pending confirmation of your redemption arrangements.

Look for great service
A good bridging loan broker or provider will always be committed to great customer service and will take the time to explain unfamiliar terms and to ascertain your individual needs in order to provide the right product. At Hans Zarihs, we only need a few minutes to gather all relevant information in order to send you an instant range of bridging loan quotes from a large panel of tried and tested lenders. The finance process is then extremely quick and we manage it for from start to finish, packaging up your application and managing the paperwork for your lenders so that you don’t need to spend lots of time on form-filling!

Speed and efficiency
We have also invested in the latest digital systems that allow us to operate on a slick, efficient and fast basis for the benefit of our customers. Not only does it just take around 20 minutes to return your personalized list of bridging loan quotes from our panel, once you submit your needs, but your finance can be made available in as little as 3 days, depending on the lender that you prefer and the bridging finance product that best suits your needs. We strive to be as rapid and as efficient as possible at all times, smoothing the process with our expertise and experience so that your funds will be with you as soon as possible. If the standard 3-7 day turnaround time isn’t quick enough for your project, please get in touch anyway and we will see what is available!

Contact us
Ready to apply for bridging finance or to find out more about bridging loans that might suit your next project? Contact our helpful team of finance experts now for an instant and no-obligation tailored illustration of the loans available to you.

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Kanye West Merch

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Kanye West Merch

Kanye West is a popular rapper, musician, and clothing designer. He has many fans, who adore his music and fashion. Recently, Kanye West Merch has started selling merchandise on his website. His fans have been eagerly buying it up. The merchandise includes T-shirts, hoodies, hats, and other items. Some of the designs feature popular lyrics from Kanye’s songs. Other items feature graphics or designs that are inspired by Kanye’s music or fashion sense. So far, the feedback from fans has been positive. They love the quality of the materials used and the designs of the items. They also appreciate that they can buy merchandise that is exclusive to Kanye West Merch website. If you’re a fan of Kanye West, be sure to check out his online store for some great merch.

Kanye West Hoodie

Kanye West is a hip-hop artist who has gained worldwide popularity. He is known for his unique style, and many of his fans love to imitate it. If you’re looking for a way to show your support for Kanye West and look good at the same time, consider buying a Kanye West hoodie. Hoodies are a great way to keep warm in the winter, and there are many different styles available. You can find hoodies that feature Kim Kardashian, North West, or any other of Kanye’s famous family members. You can also find hoodies with the lyrics from some of Kanye’s most popular songs. No matter what style you choose, you’ll be sure to look cool and stylish when wearing a Kanye West hoodie. Kanye West is one of the most popular and influential rappers in the world. His music is expressive and unique, and his fashion sense is always on point. If you’re a fan of Kanye West, you’ll love this hoodie! It’s made from high-quality materials and it looks great. It’s perfect for a cool autumn day or a winter evening.

Kanye West Shirt

In anticipation of his upcoming Saint Pablo tour, Kanye West has released a new line of merch. The line includes a shirt that is gaining a lot of attention. The shirt bears the phrase “I Feel Like Pablo”, which was popularized by Kanye on Twitter. Fans are already rushing to get their hands on the shirt, and many are saying that it will be a hot commodity during the tour. Whether you’re a fan of Kanye or not, this shirt is sure to turn some heads. Be sure to check out the rest of the line, which includes hats, jackets, and more! As a Kanye West fan, I was excited when I saw he was selling shirts on his website. I quickly went to the website to buy one. However, when I got there, I was disappointed to find that the shirt cost $90! That’s way too expensive for a T-shirt. I’m sure Kanye could do better than that.

Kanye West Sweatshirt

Kanye West’s influence in popular culture is undeniable. From his early days as a hip-hop artist to his recent foray into fashion design, Ye has always been one step ahead of the curve. His latest album, “The Life of Pablo,” was released in February 2016 and spawned hits like “Famous” and “Father Stretch My Hands Pt. 1.” If you’re looking for some new Kanye West gear to show your support for the rapper, check out our selection of sweatshirts. Made from 100% cotton, these hoodies are comfortable and keep you warm on those cold days or nights. They’re also machine-washable so they’re easy to take care of – perfect if you’re on the go! Whether you’re listening to Ye’s latest album or just hanging out with friends, these Kanye West sweatshirts will let everyone know that you’re a fan of the artist extraordinaire! Order yours today! (Sharing an exciting giveaway opportunity here as well if available)

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6 Home Remedies to Relieve TMJ Pain

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6 Home Remedies to Relieve TMJ Pain

Talking, laughing, smiling, and chewing are all jaw movements that you make daily without much thought. However, these simple movements can cause much pain if you have temporomandibular joint dysfunction (TMJ). TMJ Leander discomfort may have a significant impact on your quality of life.

Teeth grinding is a common cause of temporomandibular joint disorders (TMJD), which can cause chronic pain and stiffness in the jaw, among other symptoms. There are a variety of therapies available to assist you to ease your discomfort.

Here are some home remedies to treat TMJ;

1.  Eat soft meals

 To prevent your jaws from overworking, eat soft meals like mashed potatoes, yogurt, mashed potatoes, soup, cottage cheese, salmon,   scrambled eggs, cooked fruits and vegetables, beans, and grains. Avoid Hard and crunchy foods (such as pretzels, hard rolls, and raw carrots) and chewy foods (like taffy and caramels). In addition, avoid chewing gum.

2.      Wear a bite guard

A bite guard (also known as a stabilizing splint) can protect your teeth from clenching or grinding. Bite guards are typically made of plastic, and they fit over your lower and upper teeth to keep them from rubbing together. Bite guards come in various styles; for example, you can wear a firm or soft bite guard.

Consult your physician or dentist to determine how long you should wear the bite guard. If the bite guard is causing you discomfort or changing the way you bite, stop using it immediately and consult your doctor.

3.  Use heat or cold therapy

Applying wet, warm heat packs or ice packs to your jaw might assist in relaxing the muscles in your face and jaw. Your doctor will tell you how long to leave the ice pack or heat pack on and where to put them.

4.      Learn to manage stress

Stress is one of the leading causes of TMJ. When people are worried, they tend to clench their jaws unconsciously throughout the day. If you are stressed, go for a walk daily to clear your thoughts, write down your concerns in a notebook, talk to a psychologist, try yoga, meditate, or soak in a bubble bath. Make every effort to relax and enjoy yourself.

5.      Limit jaw movement

Your jaw may strain your jaw if you yawn, scream, or sing at the top of your lungs frequently. To give your Temporomandibular a respite from movement, try to limit any severe jaw motions in your daily life. This may help to alleviate some of your discomforts.

6.      Try acupuncture or massage therapy

TMJ discomfort can also be relieved with acupuncture. The acupuncturist will insert needles in places surrounding your jaw and other areas to ease pain and enhance jaw function, enabling you to open your mouth easily. In addition, gently rubbing your TMJ joint can also help ease up the muscles surrounding your jaw and relieve pain.

Temporomandibular joint disorders may cause severe headaches, grinding and locking in your jaws, ringing in your ears, and neck pain. Fortunately, you may treat TMJ pain using home remedies. However, if the pain persists, you should seek further medical treatment. Contact Pendleton Orthodontics to book your appointment for TMJ treatment.

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Benefits of Regularly Visiting a General Practitioner

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Benefits of Regularly Visiting a General Practitioner

Regularly seeing a primary care physician may positively impact your health. Your trusted general practitioner (GP), Dr. Kalpana Desai is well-versed in dealing with various medical conditions and may tailor treatment to meet your requirements. You have a solid partnership when you have a long-term connection with a professional who treats the person, not just the condition. There are several additional reasons why it is a good idea to have a regular general practitioner, including:

Someone who understands you

GPs are typically the initial point of contact for your health. Having a regular GP gives them the chance to know you and develop a better grasp of your medical history. Every time you go to the doctor, you do not have to describe your medical history. The more often someone sees their primary care physician, the more likely they are to be open and honest with their doctor about their health. They believe that their concerns are taken into account.

An experienced general practitioner (GP) will be able to spot any problems with your health right away and recommend the right course of action. As soon as a problem becomes severe, persistent, or even life-threatening to the patient, the doctor takes measures to prevent it.

Integrated health care

If you have a medical problem that necessitates the participation of additional health care providers, your general practitioner is your primary point of contact. If a medical expert or allied health practitioners like a psychologist or podiatrist is necessary, this might be the first step.

Advice on health and wellness from a professional

Your general practitioner is your best bet when diagnosing and treating different health-related issues. In addition, they are likely to be the initial point of contact for most health difficulties you encounter in your lifetime. In addition to treating colds and flu, they are one of the most acceptable sources of science-based advice on maintaining a healthy lifestyle and avoiding illness in the first place!

A complete medical history kept in one place

Every time you see a local doctor, they take down essential information about your health, such as your family medical history, results of medical tests, prescriptions for drugs, allergies, etc. Regularly seeing your doctor ensures that your medical history is thorough, accurate, and up-to-date. When you visit your doctor, they will consult your medical file, and if you have been to more than one doctor, your information spreads out. As a consequence, your medical issues may be misdiagnosed and treated inappropriately.

General practitioners can identify and treat a wide range of common health issues. They might refer you to specialists if your problem is outside their practice area.

Accessibility

Because regular doctors are accessible at times convenient to you, you will have to wait less time for an appointment with them. You can expect to be seen within a few hours after seeking an appointment with a regular GP rather than a few days. Patients should expect to be seen on time by most frequent GPs, and the time spent in the waiting area will be substantially less than when visiting a different doctor.

You and your family’s health and well-being are best served by seeing a general practitioner regularly. Choosing a GP may be a complex process that requires a lot of trial and error. Finding a doctor with whom you are comfortable and who can work on your health for the long term is critical.

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