A young family had saved and saved in order to buy their own home.   The case at a glance: A young couple had maxed themselves out on their mortgage When the husband lost his job, they used loans and credit cards to fill the gaps each month They got letters...

Upon marriage, a couple had moved into the house that one of them owned, and rented out the one that the partner had owned.   The case at a glance: A couple were happily renting out their second property to a family They both lost their jobs in quick succession...

After a Marital split, the husband in the couple had moved out and stopped paying the mortgage.    Wendy's case at a glance: Husband had left and stopped paying mortgage £30,000 mortgage arrears Three autistic children meant she needed to stay where she was for...

A lovely lady had inherited her Sister’s house in Westcliff after she sadly passed away - a bungalow with serious damp problems.   Lucy’s case at a glance: Inherited a property from her sister Couldn't afford to keep the property running Didn’t understand the...

If you’re considering selling your home to a ‘sell your home quick’ company, then you’re probably reading this because you’re in research mode - which is great! Selling your home is huge full stop, but the speed at which these sales go through adds an extra level of...

Please note: this blog does not constitute financial advice. I am a Landlady and Property Developer and I speak only from my own personal experience. Always seek advice from a qualified financial advisor on long-term financial decisions, and a mortgage broker in...

UK home repossession Have you missed mortgage payments and are worried about your UK home being repossessed? Or perhaps you've already received a letter from your mortgage company to inform you that they're taking you to court with a possession order, or worse, you've...

Divorce can be a difficult and emotional process, and one of the many issues that need to be addressed is the division of assets, including any mortgaged property. While the specific laws and regulations surrounding the division of assets in a divorce can vary greatly...

If you're a first-time property buyer, you might have heard the phrases Freehold and Leasehold bandied around. Here's what they mean for you and your property... Freehold Property When you own a Freehold property, you own the land it’s built on plus everything that...

  A lot of people I work with are selling their property and re-entering the rental market after many years of being a homeowner. If this is you, you’re looking for your first rental property, or you just want to make sure you get the best out of your rental...

After the expenditure of Christmas, it can all get a bit tough this time of year. Let me start this blog with a line that I've said repeatedly for years and years (this will probably be written on my tombstone in the end!), if you’re struggling to pay your bills -...

December 2022 is just around the corner…so this month’s blog just has to focus on Christmas…right? But it’s not going to be all jingle bells and baileys (or the supermarket equivalent of!), as always I want to share some tips on how you can have a fun and festive...

This month I am looking at how best to navigate the challenge of selling a property you own as a landlord. With the current cost of living crisis, it’s probably no surprise that Landlords have been taking a hit just like everyone else. There’s been a HUGE shift in...

The months are getting colder and we’re all feeling the pinch on these energy bills. No doubt you’ve got lots of techniques yourself for saving energy around the home, but hopefully you’ll find one or two here to help that you hadn’t already thought of! Energy Saving...

I’m Joanne Dron. I’m a wife, mum (to humans and dogs!), landlady, and owner of Essex Property Angel. I live and breathe property, and have done for almost 20 years! In particular, I’m an expert on all things property in the South East Essex Area. I’m immensely proud...

In this month’s blog, we’re taking a look at Mortgages and how they can be affected by what’s going on in the economy at the moment. These are by no means all the available mortgage options, but here I've answered some questions that I often get asked about common...

You’d have to have been living under a rock not to know that the cost of living has gone THROUGH THE ROOF lately. Sadly, I often work with people who are already struggling financially and this recent rise in food, petrol, bills and god knows what else has hit them...

I’ve received a Notice of Possession hearing letter – what next? If you’ve fallen behind on payments for your home, and haven’t come to a mutual agreement to manage that with your mortgage company (or, as I often experience, have stopped opening letters from them some...

Selling a property and moving home are huge undertakings! At Essex Property Angel, we have lots of experience of the process, we hope this round up can help you with your house move.   Finding a trustworthy tradesman or professional We're lucky to have trusted and...

How do you get charges against your property and what do they mean? Charges are placed against your property when a debt hasn't been paid and the lender (creditor) applies to have their debt secured against an asset you have (namely, your house). You can have charges...

After the craziness of December, January should be a breath of fresh air – in theory. The quiet and calm after the Christmas rush, and a new year to start afresh. But I speak with a lot of people who find January incredibly hard. I call it the January Hangover... It's...

December's got to be the hardest month of the year for making your money last as it is, and after the past few years through Covid and the recent news about increases to home energy bills, more people than ever are feeling the pinch. So whilst we can't help you magic...

Like almost every other industry on the planet (excluding video call apps and online food shops!) the property market has hit a wall during this time. If you were buying or selling a property, or experiencing any property problems going into the lock down, it will...

I'm Joanne. I've lived and breathed property for longer than I care to remember.Without question, this month's topic of repossession is one of the hardest parts of my job. When someone calls in dire need of help, sometimes with the Bailiffs quite literally...

No one likes to think about it, but making sure you discuss your wishes for after you've gone with regards to the big things in your life is a very thoughtful act towards your loved ones. You might assume they know your wishes, but unless you've discussed them in...

What's an empty property?  An empty property is any property which is not occupied the majority of the time. According to Shelter there are some 322,386 homes that are vacant on a long-term basis, having been empty for more than six months. Empty properties are...