Why Non-Owning Occupiers Are Required to Complete a Consent Form

Lenders will want to make enquiries as to who will be occupying a property when completing the documentation, and it is for a number of reasons. Lenders are cautious about who will be living in the property, as they need to protect their interests.

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If you are arranging to have a non-owning occupier when you complete your lending documentation forms, you should consider asking a solicitor or conveyancer to draft an occupier consent form to protect the interests of the occupier.

Why It’s Important

In a legal case, Williams & Glyn’s Bank Limited v Boland [1981] AC 487, Mr Boland was registered as the owner, and Mrs Boland also lived there but wasn’t a registered occupier of the estate. When Mr Boland failed to make payments on his mortgage, it was decided that Mrs Boland had an equitable interest, as she had made a contribution to the purchase price of the property. Although Mr Bland had defaulted, priority interest was therefore given to Mrs Boland rather than the bank that had secured its interest in the property. You can read more examples of similar legal disputes in this article:

What Does the Form Cover?

You can read online in more detail about what’s covered in the occupier consent form to make sure that you fully understand what is required. You should consider all the points carefully to understand any risks that are involved in the arrangement of having non-owning occupiers in a property. Arranging for this documentation to be completed is quick and easy, and you should make sure that everything is arranged and understood to avoid complicated situations arising in the event of breaches of the mortgage terms.

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Points to Consider

If you are considering having a non-owning occupier, you should give careful consideration to arranging the consent form to make sure that all occupiers are covered by the necessary documentation. The occupier consent form is also known as a Deed of Postponement, Deed of Consent and Consent to Mortgage or an Occupier’s Waiver form. By signing the form, occupiers need to understand what rights they are waiving in the event of there being any problems with the repayment of the mortgage. It’s possible that a non-owning occupier could be made homeless, as the lending company will have the right to remedy any breaches of the mortgage arrangement, and the occupier cannot stop this from happening.

Lenders should be careful to explain the conditions of the consent form, as it must be clearly explained and it needs to be clear that there was no undue influence when it came to the signing of the forms.

The Importance of Having a Healthy Smile

The importance of having a healthy smile cannot be overstated. If you have ever looked in the mirror and marvelled at the white, pearly, perfectly aligned teeth that you have then chances are that your smile is a confident one. Perhaps you have crooked teeth or a misaligned bite, either of which can cause a great deal of embarrassment. Find out more about All on 4 dental implants at Arnica

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One thing that many people do not realise is that your smile is an outward reflection of how you feel about yourself. If you have a healthy smile, then it will reflect positively on your entire self and those around you.

There are many teeth cleaning options available to those who wish to keep their teeth looking clean and white. Most of these methods can be done at home without the need of a dental appointment, which can be a tremendous time saver for busy people. There are also a variety of over-the-counter products available that can greatly assist with teeth cleaning. When choosing one of these products, however, it is important to remember that many of them contain chemicals that can actually damage your teeth instead of cleaning them. If you are considering using one of these products, it is best to choose one that contains all natural ingredients, such as baking soda.

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The most important part of maintaining a healthy smile is to make sure that you brush at least twice a day and floss at least once per day. Those who do not keep up with this simple habit are going to find themselves with dental problems sooner rather than later.

The benefits of liquid silicone in injection moulding

Liquid silicone rubber (LSR) is increasingly being used for making moulded parts, often in applications where high-consistency rubber was used previously. One field switching over to LSR is the design and manufacturer of medical parts.

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LSR being increasingly used in medical applications

The idea of using LSR with injection moulding isn’t new; it was described in International Polymer Science and Technology some time ago. The technology has taken some time to be accepted, but product designers now understand that it can create new products with very complex geometry that wouldn’t be possible using the thermoplastics that have been used until now.

Moreover, LSR can be used with injection moulding to make custom parts. These include components for medical devices ranging from surgical instruments to machines that analyse blood. The silicone rubber doesn’t stick to the patients’ skin or hair, which is a great advantage.

Additions to the silicone

Silicone rubber can have a variety of materials added to it during its manufacturing process, and depending on the way it is made, it can result in a fluid, a compound or a polymer. The LSR used today is of high purity and can come in many different grades and types. This means that different textures are available for the end product, and different properties can also be achieved.

When LSR is used in injection moulding, it produces items that are resistant to sunlight, ozone, bacteria and radiation. In the medical environment, this is particularly useful. The finished products are hypoallergenic and will not cause allergic reactions in patients or medical users. In addition, the material has high tensile strength and is difficult to tear. At the same time, it remains flexible in temperatures from as low as -55 degrees C to as high as 300 degrees C.

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Silicone moulding can also be used to create items that are impermeable to oils and petroleum, have high optical clarity, and are self-lubricating. In addition, the silicone can even be infused with fragrances or pharmaceutical substances and will resist chemicals and moulds.

These are a few of the many advantages of using silicone to make injection moulded medical products and components. It offers designers more freedom in the injection moulding process and the ability to use a material that is more adaptable and flexible.

All you need to know about the trees that make our timber

If you have ever bought timber from a Southampton Timber Merchants such as you will have seen the vast number of choices that you have to pick from.  But are you aware of some of these fascinating tree facts?

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  • It can take decades for trees to reach their maturity. An oak tree tends to reach maturity after 25-30 years whilst an apple tree will reach maturity in around 10 years. There is no given timeframe as to when trees as a whole will reach a particular age, this always depends on the variety of tree and whether it is a standard size or altered size such as dwarf varieties.
  • Trees have a unique way of communicating with one another by using an underground network of fungi that help to share resources from one tree to another. There is a ‘mother’ tree that is at the centre of every network. These neighbour networks are also used by the trees to warn one another about pests that might be attacking trees in the area.

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  • It is thought that there are over 60,000 trees across the world with around 300 of these species being classified as critically endangered and many more on the endangered list.

Movies we grew up with

If you grew up in the 1980’s then you probably played outside a lot more than kids today and had the privilege of some watching some great kids TV shows that just don’t seem the same these days. Before the age of the internet, if we wanted to watch anything then it had to be the television or a film. Remember those big clunky video cassettes? Read more

Keeping computers safe and quick

Many computer users see antivirus software as a vital part of keeping their machine running safely despite the extra strain a large application running in the background puts on a CPU. With a vast range of antivirus software available, it can be difficult to decide which software ‒ if any ‒ to install.

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The right antivirus

An article by Whitson Gordon on the Lifehacker website discusses some of the common misconceptions about why a computer runs slowly and how to improve the speed. Gordon’s tips for a faster PC include not loading more than one antivirus suite, as this will gravely slow the computer without improving security in any significant way, and for users to take an active role in monitoring their computer’s programmes and software updates. Even a good, lightweight antivirus will not stop machines grinding to a halt under the weight of bloated and useless additional programmes and updates.  This can mean sitting for hours wasting precious time.  If your doing this 5 days a week then you will want to make sure you and your business invests in decent office and Reception Chairs at sites like so at least you are comfortable when sitting down to work through your antivirus.

According to the Guardian, a senior executive at technology company Symantec has branded antivirus software ‘dead’ in the face of new malware threats. Brian Dye bases this stark forecast on a calculation that antivirus software catches only around 45% of malware attacks, with over 50% of malware packages now too sophisticated to be thwarted simply by a firewall-type protector. As Symantec was a pioneer in antivirus and currently produces Norton suites, there is some credence to Dye’s insistence that his company is right to begin scaling down its antivirus work in favour of detect and respond programmes.

Software testing services

For the average computer owner installing one lightweight antivirus suite remains advisable. While Dye’s path for the future may eventually come to fruition, a properly protected computer will still keep out more viruses and malware than an unprotected one. Going forward, and companies who offer software testing services in the vein of Dye’s detect and respond paradigm will concentrate on testing programmes, tracking hacks and updating passwords rather than passively protecting systems.

For the majority of computer owners antivirus still has an important role to play, but overly-cumbersome suites can hamper the speed of systems. At this time the average computer user should look for a lightweight antivirus suite offering basic protection and should frequently review both their antivirus situation and the volume of programmes loaded onto their machine.

Things to contemplate before buying a Park Home

Park homes can offer an amazing lifestyle – a modern home which is easy to manage, a ready-made community, and in most cases, a secure environment on a tranquil site. They are incredibly popular with older, or retired people, and a good buy for those who released equity from a more expensive brick property. However, park homes don’t suit everyone, and living in one is not always a problem free experience, so before buying it is worth seriously considering the following points:

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1. You own the park home, but not the land it is on

This is good if you sell as there’s no stamp duty to pay, but the negative is you have fewer legal rights over the space than you would otherwise.

2. Not all park home sites have a licence allowing year-round occupancy

The licence should be clearly displayed in the site office, and it is vital you check it and make sure it allows permanent full residency on the site. Breaking these rules could lead to you losing the park home completely.

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3. Location first, second and last!

Park homes are situated in both rural and small town areas, near the sea or deep in the countryside. Check out Gloucester park homes for sale by specialist companies such as for an idea of what is available in that location. If you plan to live in the park home for the rest of your life, it is worth thinking ahead. If the closest shops or doctors are a 20-mile drive that may not be a great idea as you age.

4. Who owns the park home site is important

Although the majority of park home owners are happy and content, there are some who sadly are not. Mostly, this is down to the site owner, who basically can control everything from how much ground rent you pay, to who does any repairs or additions you plan for your home. Take time to visit a potential site several times and chat to a variety of residents, and find out how happy they are with the way things run.

5. Selling on has an extra fee

The site owner is entitled to 10% of the sale price if you sell your home. This is a long established practice which would need to be budgeted for.

When you say Guiness you think of Ireland.

Ireland has such a distinctive culture to it that somethings can only be associated with it. For example, the Shamrock, St Patrick’s day and Soda bread and Mens Aran Sweaters are all examples of this. Shamrock Gift can help with some of those but when it comes to Guinness the black stuff can only come from one source. What is the story behind the nation’s drink?

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The company that would become the world’s most popular stout firm, founded in 1759 by Arthur Guinness, was launched at St James’s Gate in Dublin. Ten years later, Guinness went on sale in England.

Porter was a new beer to be launched and Guinness began producing it in the 1770s. It grew rapidly in popularity, using roasted barley to give the drink a deep, dark colour. Arthur Guinness was astute enough to know that it took different styles to optimise possibilities for different tastes, and so the various Guinness variants were born.

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In the 19th century, the company was passed to Arthur’s son and it has gone through a further five generations since then. Today, including the famous harp logo, the key features of the trademark developed by Benjamin Guinness are still in use. The family benefited from the increasing success more than financially, and Benjamin was appointed Lord Mayor of Dublin.

Diageo, a business that was founded in 1997 when Guinness and Grand Metropolitan merged in a big deal worth £ 24 billion, manufactures Guinness as we know it today.

How to Create a Stunning Garden Using Landscaping

You will find that this is one of the most enjoyable types of landscaping to undertake, as you will be taking a lot of time and effort to ensure that you have created the perfect place to relax and enjoy yourself. There are many ways in which you can go about creating this type of garden, and many different types of plants and flowers that can provide you with the effects that you desire. There is no limit to the amount of detail that you can put into the design of your garden, and with the help of garden landscapers, you can ensure that you get exactly what you want. For Plants for Trade Kent, visit a site like Palmstead, providers of Plants for Trade Kent.

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One of the first things that people think about when they are looking at how to create a stunning garden is the type of flowers and plants that they choose. While this is of course very important, you should not stop at choosing these things, as they are by far not the only consideration that you should make. In addition to the types of plants and flowers that you choose, you will also need to think about how you intend to frame your garden. This can often be done with large trees or with fences, depending on what you think will work best with your garden.

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Once you have thought about all of these different aspects of how to create a stunning garden, then you should start looking for landscapers who are experienced at carrying out such work. A good landscaper will be able to work with you to ensure that your garden is landscaped in a way that not only makes it beautiful, but also that you will not have any difficulties in maintaining the garden.


Working comfortably from home

Working from home has become the new normal for most of us and it can be a little daunting at first. But, once you have got yourself some Next day office furniture and customised the space to suit yourself and the work that you do it can actually be quite enjoyable. Best buy office chairs provide next day office furniture if you are in need of any.

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There are some simple things that you can do to help working from home feel more comfortable.

With our backs to the wall and a view of the door or window, humans are most relaxed when sitting. We believe that we have evolved to prefer these environments because by being the safest places we could be, these variables could have contributed to our survival.

It can help to have a view of trees or even a picture of scenery on your wall. If you can find a space with a view of any kind of nature, it has the ability to reduce blood pressure and stress hormone circulation, and it increases the ability to focus, which is the ability to concentrate.

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It’s tempting to think that by setting light, temperature and other conditions to optimum levels, you can hack your efficiency. There are some benchmarks and light types that are better for relaxation or concentration, but what we also find is that keeping constant settings throughout the day will not make concentration the best environment.

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