Small space hacks to help maximise living spaces

Living in a metropolis like Mumbai comes with one distinct disadvantage, of all the things, space here comes at a premium. As the urban population keeps increasing, people in the market for a new home are faced with two options, to move to the fringes of the city for a bigger home, or to contend with a smaller living space closer to the city’s beating heart. Most of us would choose the latter and as such a smaller space is what more and more the norm these days. So here are a few small space hacks to help maximize your living space.
Continue reading Small space hacks to help maximise living spaces

Trees Can Increase Your Home’s Value and Save You Money

If you have a new-build home, you might be thinking that it looks a bit, well, unfinished and naked with no, or only small, trees around it. If you’re also thinking of planting some fast-growing new ones to improve the look of your property, you could be onto a winner, because mature, tall trees not only improve the appearance of a home, they increase its value and the health and happiness of the occupants and neighbours.
Continue reading Trees Can Increase Your Home’s Value and Save You Money

Useful Tips For Selecting Bedroom Furniture

Your bedroom is the place in your house where you will spend one-third of your life. Therefore, you need it to be a place where you feel completely comfortable. One of the best ways to do this is to decorate it with beautiful furniture. There are certainly many different varieties of bedroom furniture that you can choose from. However, you should never make the mistake of thinking that all of these are the same. The quality with which bedroom furniture is made can vary greatly. This is why it is so important for you to be patient and not make any hasty purchases. Here are a few useful tips for selecting bedroom furniture.

1. New or antique?

You will need to decide if you want bedroom furniture that is brand new or old with an antique feel to it. Antique furniture can be much more difficult to find in the exact style you are looking for. It is not something you can special order. Therefore, you will need to put in some time going to flea markets and garage sales to find some furniture that catches your eye. You might also want to try looking at some of the online classified sites where people sell used items. Newer furniture will be easier to find. One of the big advantages to buying new bedroom furniture is that you will get a manufacturer warranty. This will allow you to make your purchases with confidence.

2. Consider the cost of shipping

The cost of shipping will come into play if you are planning on buying your bedroom furniture from a website. These online retailers have many different ways that they calculate the cost of shipping for their customers. Ideally, you should do your shopping on a site like They do not charge any shipping fees.

3. Satisfaction guaranteed

Buying bedroom furniture can be a major expense. This is why you need to be totally certain that you are satisfied with all of your purchases. You should only do business with a furniture store that gives you an adequate amount of time to decide if you want to keep the furniture or return it. Also, any returns that you decide to make should be accepted without any questions being asked. There are some furniture stores that turn returning an item into a big hassle. You should only deal with furniture stores that want you to be completely satisfied.

Keep the Family Healthy with a Natural First Aid Kit

Natural first aid kits in the home are items that all homeowners should ensure that they have. They are essential because they make it possible to provide treatment for injuries and ailments that can arise while at home.

Importance of Natural First Aid Kits

First aid kits that contain natural remedies can reduce the risk of infection or discomfort caused by an injury. They can be used to deal with ailments that range from mild to severe. A first aid kit can contain many remedies and you need to be aware of how each one of them is used.
Continue reading Keep the Family Healthy with a Natural First Aid Kit

Storage Ideas for Loft Conversions

Converting a loft is ideal for creating an extra bedroom or family room, as well as adding some value to your property. You need to remember that while gaining an extra room, you’re losing a lot of storage space, so you need to make the most of every nook and cranny in the loft to conserve as much storage as possible.

Get bespoke furniture and shelves

With sloping ceiling and dormer windows, conventional square and rectangular wardrobes and shelves just won’t do if you’re looking to save space. Get a carpenter to make made-to-measure units for you so they fit into the corners and under the eaves. Around and above the door is always a great spot, as many people see this as “dead” space.


Dead space is great when it’s brought to life and in sloping areas, even bookshelves can do overtime. Try a stepped approach, so that the space between the top of each shelf level and the sloping ceiling acts as storage for knick-knacks. It looks interesting and earns its keep, as it were.

Don’t let things stay out of reach

High-up cupboards in a sloping ceiling are also great space-savers, but they shouldn’t be out of reach just because they’re on high. Install a library style rolling ladder-on-a-rail and turn it into a real feature by paining it in an accent colour.

Building walls

If you’re still planning your loft, then think about a partition wall on one side to make a corridor for wardrobes and drawers. This only works well with the sort of larger loft conversion Muswell Hill has been seeing of late, but if you have a big loft you can square off the sleeping area. This is a bonus as the bedhead and any tables rest against the partition wall.

storage unit

Use recessed bedside storage

If you have thick walls, you can “sink” bedside and behind-the-bed storage into them. This looks really interesting and has no “footprint” jutting out into the room itself. Installing behind-the-bed storage means you can hide away the Christmas decorations and other items that only come out once a year (which is what the loft is for, after all!).

Make a window seat

If you’re got a window or two along the sides of the roof, or if you’re created a dormer, then use some dead space again to make a window seat. It can be a single or a double, depending on the size of the window and once more dead space is being used to accommodate furniture that otherwise would take up space in the rest of the room. Additionally, the seat can be used to store spare linens, towels or out-of-season clothes.

Use the space around windows

People think a window needs lots of clearance around it so that nothing blocks the light from coming in. However, if the shelving used is shallow (doesn’t jut out much) then the wall around a window is the perfect venue for custom-made open-box shelves. They should be painted the same colour as the wall if you’re worried about “hemming” the window in.

Floating rates or fixed rates – Which is better for a home loan?

With regular updates on banks cutting down interest rates regularly being shown in headlines, the prospective homebuyers are going through a dilemma, whether to stick to their variable rate home loans or switch over to a fixed rate loan. When you get a feature-rich fixed rate home loans from NPBS or other lender, it gives you a natural sense of security with regards to long-term commitment as the interest rates remain fixed due to which there are no chances of your monthly payments changing throughout the term of the loan.

Yet, there is a dark side of taking out a fixed rate loan as if the interest rates fall further you would be at a loss as you would have done the mistake of locking your loan at a higher interest rate. It is always recommended to take into account the acute details before taking the plunge.

And if it’s still bothering you, then read on.

Past fluctuations in the rate

When you approach a home loan lender, opting for a fixed rate loan would sound like one sensible thing that you can do if you wish to insulate yourself from the rate fluctuations in the market. The only drawback is the element of uncertainty about the direction of movement of the lending rates.

During the mid 2000s, right from the 7-8% range, the interest rates had suddenly risen to 12-13% in 2010 and now there is a total reverse in the trend as mortgage rates are going through their record low levels. In this situation, deciding whether or not you could opt for a fixed rate loan would become a simple decision. Mortgage loans have long repayment terms and hence despite paying heed to the predictions of the experts, fluctuations may have a bad impact on the overall rate of the loan.

So, when should you opt for a fixed rate loan?

Are you comfortable with the present EMI that you’re paying? If the EMI that you’re paying is less than 35-40% of what you make in a month, you will probably see that loan repayment won’t be a big hassle for you. You might even consider locking your interest rate at this level in order to avert the risk of future hikes which might have a poor impact on your finances. During the initial period of the loan, you would want uncertainty and when you take out a fixed rate loan, it offers you enough security. Therefore, when you wonder about taking out a loan which ensures security, fixed rate loans is definitely a better option.

When should you not go for a fixed rate loan?

Are you planning to prepay the loan? If answered yes and if you’re planning to close the loan within 5-7 years, it is better to carry on with a variable rate home loan. The earlier you plan to close the loan, the lesser is the interest outflow.

Therefore, when you’re in the market to take out a home loan, you should always measure your decision before taking out feature-rich fixed rate home loans. Take all the time you need, remember that part of your future lies in here.