Window cost estimator uk: uPVC Windows Price Calculator – Cost of uPVC Windows

Window Prices | How much do Windows Cost?

Installing double glazing with uPVC frames throughout an average 3 bedroom house could cost between £3,000 to £5,000. However, to get the best window prices it is important to compare at least two quotes to be sure you’re getting a competitive price. A very good tactic is to consider quotes from both a leading installer like Everest, Anglian or Safestyle against a local, independent window fitter.

Finding and comparing multiple quotes can be a hassle, so why not let us help? Tell us what you need by completing our short enquiry form and get free window quotes from up to 3 reputable window fitters. There’s no obligation to use any of the quotes you receive.

Which are the cheapest window frames?

uPVC Window Prices

Aluminium Window Prices

Timber Window Prices

Which is the cheapest style of window?

How to measure your windows

Double Glazing vs Secondary Glazing Prices

Comparing window quotes and prices

How much does it cost to replace windows?

Finding window prices for a window replacement can be a difficult business. There are so many factors that can affect the price of the materials and labour involved that it’s almost impossible for a window installer to estimate without visiting your home. Having said that, we’ve done some research around the average cost of window replacements in today’s market to help you to at least make a start on a budget.

This table shows the average cost per double-glazed window depending on the type of frame material you choose and the size of the window. It is important to note that these price ranges are provided to given an indication of price and actual window installation quotes may vary.

Window Frame 600 x 900mm 900 x 1200mm 1200 x 1200mm
uPVC £250-£400 £400-£600 £650-£900
Aluminium £550-£700 £650-£800 £750-£1,000
Timber £850-£1,000 £1,200-£1,400 £1,350-£1,500

Installing double glazing with uPVC frames throughout an average 3 bedroom house could cost between £3,000 to £5,000, but it’s not a question anyone can answer definitively without visiting your home and considering the style, size and type of windows you’re looking for. Triple glazing will add around 30% to the cost and opting for aluminium or timber frames will be more expensive again adding between 30-50% to the price.

uPVC window frames are generally the lowest cost option. Composite window frames (a combination of timber and aluminium or steel) are often the most expensive type of frame to install.

In terms of style, casement style windows are usually the lowest cost option. Dual turn windows are often the most expensive to install.

Any extra security features you would like will add to the price and the cost of installation will vary depending on which window fitters you speak to. This is why we recommend comparing multiple quotes from at least 2 or 3 companies so you can find out see where the best value for money is. Get free window quotes from local and national installers now.

Which are the cheapest window frames?

The material you choose for your window frames will have a significant impact on the cost. We’ve put together some average prices for the supply and installation of windows by material to give you an indication of the difference in price you are looking at.

uPVC Window Prices

uPVC windows are generally the lowest cost option but this doesn’t necessarily mean they’re not the right choice for your home. High-quality uPVC frames are easy to maintain with an occasional wipe down being all that’s needed to keep them looking their best. However, poor quality uPVC can warp over time so the absolute cheapest you can find may not be the best long term investment for your home.

Here are the average costs* for the supply and installation of uPVC framed double glazing.

Size of Window (mm) Price per uPVC Casement Window – Ground floor Price per uPVC Casement Window – Second floor
600 x 900 £250 – £350 £300 – £400
900 x 1200 £400 – £550 £450 – £600
1200 x 1200 £650 – £750 £800 – £900

Aluminium Window Prices

Aluminium frames are more expensive than uPVC but will provide your home with long lasting, durable and sleek looking windows. They offer more thermal efficiency than uPVC, have slimmer frames and require less maintenance than timber. Aluminium frames can also be supplied in a range of colours so they remain consistent with the look and style of your home.

Here are the average costs* for the supply and installation of aluminium framed double glazing.

Size of Window (mm) Price per Aluminium Casement Window – Ground floor Price per Aluminium Casement Window – Second floor
600 x 900 £550 – £600 £600 – £700
900 x 1200 £650 – £750 £700 – £800
1200 x 1200 £750 – £850 £900 – £1,000

 


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Timber Window Prices

Timber frames are the most costly option but can add real value to your home, especially if you are conscious about the overall aesthetics. They provide a classic and elegant finish and are perfect if your home is if a particular period. Timber frames are available in either hardwood or softwood and in a range of finishes. It’s worth remembering that, in addition to their higher cost, they also require more ongoing maintenance than uPVC or aluminium.

Here are the average costs* for the supply and installation of timber framed double glazing.

Size of Window (mm) Price per Timber Casement Window – Ground floor Price per Timber Casement Window – Second floor
600 x 900 £850 – £950 £900 – £1,000
900 x 1200 £1,200 – £1,300 £1,300 – £1,400
1200 x 1200 £1,350 – £1,450 £1,400 – £1,500

*Please note that these figures are based on average costs for standard installations and are intended as a guide price only.

Which is the cheapest style of window?

The price of your windows will also depend on the style that you choose. Here are the average costs for a range of window styles in white uPVC frames with double glazing to give you a point of comparison to start from.

Casement Windows Prices

Casement windows are one the most commonly found on homes because they offer a great deal of versatility. They can be fixed or can open from either the top , side or bottom and are available in sizes, materials and finishes to suit almost any purpose.

Size of Window (mm) Style Price per window (not including installation)
500 x 500 Fixed £150 – £200
1000 x 1000 Fixed £200 – £250
1200 x 1200 Fixed £250 – £300
500 x 500 1 Opener £250 – £300
1000 x 1000 1 Opener £275 – £325
1200 x 1200 1 Opener £350 – £400
500 x 500 French £450 – £500
1000 x 1000 French £500 – £550
1200 x 1200 French £525 – £575

 


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Sash Window Prices

Sash windows are most commonly found on Georgian and Victorian homes and add a really distinctive, traditional look for your property. They are essentially panes of glass which open either horizontally or vertically and are typically fitted with timber frames.

Size of Window (mm) Price per window (not including installation)
500 x 500 £550 – £625
1000 x 1000 £650 – £725
1200 x 1200 £750 – £850

 


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Tilt & Turn Window Prices

Tilt & Turn windows are a more modern solution as, unlike other types, they open inwards into the room so it’s easier to maintain them and ventilation is improved. The tilting feature also means that you have a great deal of flexibility when it comes to how widely you open them which is perfect for homes where safety of children is a concern.

Size of Window (mm) Price per window (not including installation)
800 x 800 £450 – £500
1000 x 1000 £500 – £550
1200 x 1200 £550 – £600

 


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Bay Window Prices

A bay window protrudes out from the flat wall of a home and creates a bay area within the room. Today this type of window can be found in homes of all kinds and includes various design options such as box windows, circle bay windows, bow windows and oriel windows.

Size of Window (mm) Style Price per window (not including installation)
2400 x 1200 3 section £1,000 – £1,200
3000 x 1200 3 section £1,200 – £1,300
3000 x 1500 3 section £1,300 – £1,400
3000 x 1200 4 section £1,500 – £1,600
3600 x 1200 4 section £1,600 – £1,700
3600 x 1500 4 section £1,700 – £1,800
3600 x 1200 5 section £1,900 – £2,200
4000 x 1200 5 section £2,000 – £2,300
4000 x 1500 5 section £2,100 – £2,400

 


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Bow Window Prices

Bow windows are a type of bay window that curves and adds a rounded aesthetic to the exterior of your home. curved bay windows, creating a rounded appearance on the outside of the home. A bow window is a great option is maximising light in your home is a priority.

Size of Window (mm) Style Price per window (not including installation)
2400 x 1200 3 section £1,100 – £1,200
3000 x 1200 3 section £1,200 – £1,300
3000 x 1500 3 section £1,300 – £1,400
3000 x 1200 4 section £1,500 – £1,600
3600 x 1200 4 section £1,600 – £1,700
3600 x 1500 4 section £1,700 – £1,800
3600 x 1200 5 section £1,900 – £2,100
4000 x 1200 5 section £2,000 – £2,200
4000 x 1500 5 section £2,100 – £2,300

 


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How to measure your windows

When taking the measurements for your new windows remember to do so in millimetres (mm). Where possible you will need to measure the aperture or brickwork opening on the outside of your property. Any windows above the ground floor will cost more to replace as the window fitter will need to use scaffolding to access them. It’s possible that a company may offer a discount if you need more than 5 windows so if you’re having a total overhaul remember to ask the question!

Not sure how to measure your windows correctly? Take a look at our step by step guide to measuring your old windows for replacement.


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Double Glazing vs Secondary Glazing

Double glazing prices sit at around £350 – £600 per window. However, double glazing prices will vary from installation to installation and will depend on:

  • Size of the window
  • Frame material
  • Style
  • Type of glass
  • Rates charged by the installer – compare quotes to find the most competitive price

Thanks to being an effective insulator that will help to keep your home warmer and reduce outdoor noise, double glazing is well worth the investment. The Energy Saving Trust found that typical gas heated homes across England, Scotland and Wales could be saving up to £160 a year – just by having double glazing installed.

If the cost of double glazing isn’t a realistic option for you, secondary glazing could be the next best option for you. This involves adding a second pane of glass to single glazing which is fitted on the inside of the window. It’s a cheaper choice and will reduce the heat loss and noise pollution associated with single glazing, but it’s not as effective as double glazing.

Comparing window quotes and prices

Before you begin inviting tradespeople or salespeople into your home it’s a very good idea to do your own research. Take a look around at the options on the market, ask friends and family for recommendations and possibly even neighbours with similar homes if they’ve had new windows installed recently. This will give you a great foundation so that you can give them a clear steer from the start as to what you’re looking for in terms of frame materials and style of windows.

To provide accurate quotes for your new windows the sales representative or tradesperson will need to visit your home. Don’t let any trader pressure you to agree to a quote based on ‘today only prices’. A reputable company will provide their best quote and leave you to consider it. They should also be registered with FENSA or the GGF.

What should a quote for new windows include?

When getting quotes for your new windows, the total price quoted by each installer should include:

  • A full survey of your home
  • The window frames & external cill
  • Evidence of energy efficiency rating
  • Any security features
  • Glass panes (standard, toughened, obscured)
  • Handles
  • All installation / labour costs
  • Trims, fixings, silicones and sealants
  • Registration with industry body such as FENSA or Certass and relevant certification
  • Removal and disposal of your old windows

We advise you get as many quotes as you can but it’s really important that you compare more than a single quote to be sure you’re getting a competitive price. A very good tactic is to consider quotes from both a leading installer like Everest, Anglian or Safestyle against a local, independent window fitter. Remember to compare a like for like service so you can see the difference in window prices and ask specific questions.

Tell us what you need by completing our short enquiry form and we can provide you with competitive quotes from up to 3 reputable window fitters. There’s no obligation to use any of the quotes you receive.


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New and Replacement Window Costs: 2022 Money Saving Guide

A new set of windows can liven up the appearance of your house, and add value to your property in the long run. New windows can also increase your insulation levels, making your home more energy-efficient, and all importantly bringing your heating bills down.

In this article, we look at the following:

  • How much new windows cost;
  • The cost of replacing a single window;
  • What affects the cost of replacing windows;
  • How to save money on new windows;
  • Which type of window frame is right for your home;
  • What’s involved in replacing a window;
  • How to find a professional window fitter; and,
  • Frequently asked questions.

Topics

How Much Do New Windows Cost?

The cost of new or replacement windows can vary widely depending on the number of windows you need and the type of frame you choose, among several other factors.

The table below breaks down the cost of replacing casement windows in different sized homes. We focus on casement windows as they’re one of the most popular choices throughout the UK. However, please note that the cost of other styles may vary. These estimates include labour but exclude VAT.

House Size Labour Costs Estimated Total Cost (uPVC Frame) Estimated Total Cost (Aluminium Frame) Estimated Total Cost (Timber Frame) Estimated Total Cost (Composite Frame) Time Required
Flat (4 to 5 Windows) £150 to £300 per day £750 to £4,800 £2,150 to £5,800 £3,350 to £8,300 £4,950 to £16,300 1 day
Terraced House (8 to 9 Windows) £150 to £300 per day £1,350 to £8,400 £4,150 to £10,200 £6,550 to £14,700 £9,750 to £29,400 1 day
Semi-Detached House (10 to 12 windows) £150 to £300 per day £1,650 to £11,100 £5,150 to £13,500 £8,150 to £19,500 £12,150 to £38,700 1 day
Detached House (15 to 18 Windows) £150 to £300 per day £2,550 to £16,800 £7,800 to £20,400 £12,300 to £29,400 £18,300 to £58,200 2 days

As you can see in the table above, the cost of new windows ranges anywhere from £750 for a flat to as much as £58,200 for a large detached home.

If you own a flat, you can expect to pay between £750 and £4,800 for uPVC windows or between £4,950 and £16,300 for beautiful and hardwearing composite windows.

Terraced homeowners should expect to pay in the region of £1,350 to £8,400 for popular uPVC glazing or around £9,750 to £29,400 for composite windows.

For those that live in a semi-detached house, new windows normally cost between £1,650 and £11,100 for uPVC frame windows whereas composite windows typically cost between £12,150 and £38,700.

For a detached house with between 15 and 18 windows, replacing your glazing can cost anywhere from £2,550 and £16,800 for uPVC frame windows or between £18,300 and £58,200 if you want to splash out on a full set of new composite windows.

Window fitters generally charge between £150 and £300 per person, per day in labour costs. Most professional fitters can install 10 to 15 windows per day. That means that they can complete most standard jobs in just a day.

However, if you live in a detached house, you should allow up to two days to replace all your windows.

Are you ready to replace your windows? HouseholdQuotes can help you find the right glazing company. Click the button below to compare quotes from window fitters near you, and potentially save money on your project:

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How Much Does It Cost to Replace a Single Window?

Whilst many homeowners need to update all the windows in their home, sometimes you just need to replace a single window.

With that in mind, the table below explains the cost of replacing a ground floor casement window with either uPVC, aluminium, timber, or composite frame glazing.

Further down, we’ve put together a second table that explains the cost of replacing a first- or second-floor window.

Window Style Window Size Estimated Cost (uPVC Frame) Estimated Cost (Aluminium Frame) Estimated Cost (Timber Frame) Estimated Cost (Composite Frame)
Ground Floor Casement Window 600 x 900 mm £150 to £350 £500 to £600 £800 to £950 £1,200 to £1,800
Ground Floor Casement Window 900 x 1200 mm £400 to £550 £650 to £800 £1,200 to £1,300 £1,800 to £2,600
Ground Floor Casement Window 1200 x 1200 mm £650 to £800 £750 to £1,000 £1,350 to £1,500 £2,600 to £3,000

As you can see in the table above, the cost to replace a ground floor casement window ranges from as little as £150 to as much as £3,000.

More precisely, a new ground floor uPVC window can cost anywhere from £150 for a 600 x 900 mm window to roughly £800 for a larger 1200 x 1200 mm window.

If you want to replace your ground floor windows with aluminium frame glazing, you can expect to pay between £500 and £1,000 per window, depending on the size you need.

Timber windows have a timeless appeal but often come at a higher cost. For ground floor windows, you will typically pay between £800 and £1,500 for each window that you replace.

Composite windows are timber frame windows clad in aluminium, and they are becoming increasingly popular thanks to their durability and modern style. Replacing a ground floor window with a composite window normally costs between £1,200 and £3,000 depending on the size you require.

Now, let’s look at the price of replacing first- and second-storey casement windows:

Window Style Window Size Estimated Cost (uPVC Frame) Estimated Cost (Aluminium Frame) Estimated Cost (Timber Frame) Estimated Cost (Composite Frame)
First or Second Floor Casement Window 600 x 900 mm £300 to £450 £600 to
£700
£900 to £1,050 £1,800 to £2,100
First or Second Floor Casement Window 900 x 1200 mm £450 to £600 £750 to £900 £1,300 to £1,400 £2,600 to £2,800
First or Second Floor Casement Window 1200 x 1200 mm £750 to £900 £900 to £1,100 £1,450 to £1,600 £2,900 to £3,200

As you can see in the table above, the cost of replacement first- or second-floor casement windows is similar, but the prices are marginally higher which reflects the additional labour costs involved in fitting windows at height.

If you plan to replace your first- or second-storey casement windows with uPVC frame glazing, you can expect to pay anywhere from £300 to £450 for a standard 600 x 900 mm window or between £750 and £900 for a larger 1200 x 1200 mm window.

For aluminium casement windows, the cost ranges from £600 to £700 for smaller first- or second-storey windows and rises to £900 to £1,100 for larger windows.

If you’re considering timber windows for your first or second floor, you should expect to pay roughly £900 to £1,050 for a 600 x 900 mm window or £1,450 to £1,600 for a large square window measuring 1200 x 1200 mm.

Finally, the cost of new composite windows comes in at around £1,800 to £2,100 for a typical 600 x 900 mm window or as much as £2,900 to £3,200 when fitted on a first or second storey.

What Affects the Cost of Replacement Windows?

Now that you know how much new windows are likely to cost, you may be wondering what factors can impact the total cost.

Below, we look at a range of factors that you should take into consideration when shopping for replacement windows.

The Number and Size of Windows in Your Home

As we saw in the pricing tables above, the number of windows in your home has a direct (and quite significant) impact on the total cost of new glazing. Quite simply, the more windows in your home, the more you should budget for replacement windows.

In addition, the size of your windows also matters. Smaller windows are normally more affordable than larger windows because they use less material and are typically quicker to fit.

Whilst the size of windows varies by style, bathroom windows are normally the smallest windows in a flat or house. This enables you to have some light and ventilation in your bathroom without compromising on privacy.

The size of kitchen windows can vary widely depending on the position of the windows. For example, glazing above a worktop or sink is often smaller than windows elsewhere in your house because the height of your work surface and ceiling limits the size of the window.

However, if you have a kitchen extension or kitchen/diner combo then your home may have more space for larger kitchen windows.

The size of your bedroom windows can also vary depending on when your house was built. In older homes, bedrooms often have large sliding sash or bay windows, whereas newer properties are often built with slightly smaller casement windows.

In most cases, the windows in your lounge are likely to be the largest in your home. This is where many of us spend most of our time, and where we entertain friends and family throughout the year. Large windows—especially bay windows and sash windows—let in plenty of natural light, which makes the lounge a warm and inviting space for everyone.

Once you know the number and size of windows in your home, you can create a more accurate budget of how much replacement windows will likely cost you.

Whether Your Window Openings Are a Standard Size

Manufacturers offer windows in a range of standard sizes, which vary according to the style of window you choose. Whatever style you choose, it’s a good idea to check whether your window openings meet these current standard sizes.

If not, your fitter may need adjust the size of the window opening which can increase labour costs. Alternatively, you may need to consider bespoke frames and glazing which can also raise the total cost of your new windows.

Casement windows come in standard sizes ranging from 635 x 890 mm to 736 x 1498 mm.

If you’re looking at tilt and turn windows, single tilt and turn windows start at 600 x 500 mm and go up to 1900 x 1300 mm. Double tilt and turn windows measure from 600 x 1200 mm and go up to 1700 x 2400 mm. Triple tilt and turn windows can be even bigger; they go from 600 x 1600 mm all the way up to a massive 1900 x 3000 mm.

Sash windows also come in many standard sizes. Sash windows are usually between 914 mm and 2134 mm wide. Most Victorian and Edwardian sash windows are about 1200 mm wide. In terms of height, standard sash windows measure between 609 mm and 1524 mm tall.

For bay windows, the width typically ranges between 1016 mm and 3200 mm, whilst the height varies between 914 mm and 1981 mm.

Smaller windows and windows with fewer moving components—such as casement or single tilt and turn windows—are usually more affordable than larger windows or more complex window styles.

Whether Your Glazing Company Offers a Fitting Service

Buying your windows and fitting them are two separate things.

You’ll need to include labour for actually fitting the windows in your calculations. Sometimes your supplier will also fit windows, for an extra cost.

More often than not, you’ll need to find a builder or other specialist window contractor to fit the windows once you’ve got them.

Frame Colour

Colour choice is important. If you’re happy with standard white uPVC, your costs are going to be lower.

Woodgrain is more expensive, but if you want a natural look this is the only way to go.

In between plain old uPVC and woodgrain, there are many colour choices and wood colours. Some of these will be more expensive than others, with grey uPVC usually being 10% more than white, whilst wood grain effect uPVC costs 10-15% more than white.

Style of Window

Once you’ve figured out how many windows you’ve got and how big they’re going to be, you need to decide on the style of them.

Here are just a few choices, each one costing something different:

  • Plain glass
  • Leaded glass
  • Georgian bar glass
  • Casement window
  • Bay window
  • Bow window
  • Sash window

You’ll also need to decide on how many openers you want, and if they need to have locks, which, understandably, impacts the overall price.

Type of Glazing

Double or triple glazing – what will it be? If you live somewhere particularly weather-beaten, then the latter might be the best option as it offers the best heat efficiency.

For most standard properties, double glazing will suffice – you can read more on this on our dedicated glazing information guide.

Type of Glass

Yet another choice is the type of glass you opt for. This can be standard, toughened, or obscured, which all offer different accolades dependent on what you want for your home.

The further you step away from the standard variations, the higher you can expect your fees to be overall.

Energy Efficiency

Most new windows are extremely energy efficient, with excellent insulation levels. But some are better than others.

Energy-efficient ratings for windows range from A to A+++. The more pluses, the more expensive the windows are.

However, whilst they are more expensive upfront, in the long run you can save yourself quite a bit through energy-efficient gains.

This means lower heating costs – and, if the average lifespan of a window is around 25 years, that’s going to amount to a big saving.

Taking Old Windows Off-Site

When discussing your quote, make sure your fitters or builders are taking your old windows away, otherwise, you could be left with more to pay for them to be disposed of.

Scaffolding

Depending on the height of your building, you may need scaffolding to reach the upper heights.

This will be added to your project cost, so is something to bear in mind if you have a large, tall property as the scaffolding will have to be on-site for a few days to allow the fitters to remove and then install your new windows.

Planning Regulations and Permissions

This isn’t just the cost of applying for permission but building regulations may limit you to certain styles or colours which may cost more. Either way, it’s important to know everything in the first place so you aren’t caught out by any nasty surprises whilst you’re in the middle of your project.

How Can I Save Money on Replacement Windows?

New windows are undoubtedly an investment, but there are many ways to keep costs in line with your budget.

Comparing quotes is a great way to potentially save money on new windows. HouseholdQuotes can help you get quotes from multiple window fitters near you, so that you can find someone that suits your budget. Click the button below to get started:

Comparing Quotes Could Save You Up To 40%:

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When choosing a window fitter, you can also potentially save money by choosing a local fitter over a national company. Local glazing companies typically have a small team of fitters with minimal overhead, which helps keeps their prices down.

National firms may be able to offer a wider selection of window styles and frames, as well as robust guarantees on their services. However, many national window companies also have hefty marketing budgets, call centres, and showrooms to maintain—all of which can affect their prices.

Another way to keep costs down is to choose white uPVC frame windows. As we saw in the pricing tables, uPVC windows are more affordable than aluminium, timber, and composite frames.

Unless you’re keen to achieve a bespoke look, white uPVC windows are almost always cheaper than other colours such as slate grey, anthracite grey, woodgrain effect, or black.

Finally, you may be able to save money by carefully considering the type of glazing you need. Triple glazing certainly has its advantages when it comes to noise reduction and insulation, but you probably don’t need it unless you live on an extremely busy road or you want your home to achieve Passivhaus certification.

Choosing double glazing over triple glazing will lower the total cost of your new or replacement windows, and keep you and your family warm even on the chilliest days.

What’s Involved in Replacing a Window?

Before you buy a new or replacement window, your fitters will need to measure the window opening so that you can purchase the correct size.

When measuring, your fitters should allow an expansion gap of between 5 and 10 mm depending on the size of your window and the frame you choose. This gap allows your fitters to square the window inside the opening.

Once your new window arrives, your fitters should check that the window is in good condition and verify all the measurements to ensure that your window actually meets the specifications.

If you’re replacing an existing window, your fitters will then remove the old glazing and frame. They will remove any sealant around the window frame and carefully pry the old frame away from the window opening.

Your fitters will then prepare the window opening for the new frame by removing any remaining sealant and stray bits of mortar.

The fitters should then check the measurements a third time to confirm the new window will fit inside the opening as intended.

Once that’s done, your fitters will cut the window sill to size and attach it to the window along with any frame extenders that may be required to ensure a proper fit. They should put a bead of silicone along the entire outside edge of the sill to prevent moisture ingress.

Now, your fitters can place the window inside the opening. They will check that the window is level and square before adding packers around the edge of the frame and screwing it into place.

Once the frame is in place, your fitters will remove the glazing beads inside the window and clean the frame before installing the glazing.

Whilst fitting the glazing, the isntallers should use bridging and glazing packers to ensure a tight and level fit and allow moisture to drain away.

If you’ve chosen a window that opens, such as a casement or sash window, your fitters will insert additional packers to support the glazing, allow you to open the window without it sticking, and to prevent the glass from moving over time. This is known as ‘toe and heeling’.

Once the glazing fits properly inside the frame, your fitters will replace the glazing beads.

Next, the fitters will seal the inside of the frame and add any extra components such as trickle vents.

Finally, a professional fitter should clean the windows and frames inside and out, and clear away any rubbish from the installation.

How Do I Find and Hire a Window Fitter?

Finding the right window fitter can be challenging. At HouseholdQuotes, we can connect you to furniture experts in your area. Click the button below to tell us more about your vision, and we’ll help you find someone quickly and easily:

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You can also ask family and friends if they have any recommendations. In addition, you may also want to keep your eye out to see if anyone in your neighbourhood is replacing their windows. That way, you can see the quality of the fitters work in person.

Finally, you can always browse the FENSA or Certass directories to find suitable fitters in your area.

Ensuring the Professional Is the Right Fit

Whether you plan to purchase a single window or replace all the windows in your home, it’s only natural to want to find the right person. Here are our top tips for finding a professional window fitter:

When looking for a window fitter, it’s always a good idea to compare at least three quotes, so that you can compare prices and find someone who suits your budget.

It’s important to note some window fitters are use high pressure sales tactics when giving quotes. You should never, ever feel pressured to make a decision on the spot, no matter what the salesperson says or promises. If necessary, ask a family member or friend to join you at the appointment.

When gathering quotes, it’s a good idea to ask for a written quote so that there’s a physical record of what was quoted, in case questions arise later on.

If the initial quote is quite short and lacks detail, you should always feel free to ask what the quote includes and what it excludes.

For instance, does the quote include the cost of fitting or do you have to arrange that separately? Is window furniture and locks included? What about rubbish removal or skip hire? These are all good questions, and asking them at the start of your discussion will prevent awkward (and potentially expensive) conversations down the line.

Whether you choose a local window fitter or a national installer, it never hurts to ask whether the fitters have experience in fitting the windows you’ve chosen. This is all the more important when you select bespoke styles.

If you are considering bespoke windows, you may want to ask your supplier for photos so that you can better visualise how those windows will look in your home.

It’s also important to ask for references—especially if you plan to replace multiple windows. A professional fitter should always be happy to provide references. A quick call or email can help you decide whether that fitter is the right person for your job.

Finally, we always suggest that homeowners ask their fitter for proof of professional indemnity insurance. This can ward off rogue traders and protect you in the event that something goes awry.

Final Checklist

If you’re ready to take update your home with a new set of windows, here’s our final checklist to help make the process as smooth as possible:

  • Work out how many windows you want to replace, and their approximate measurements so that you can create a sensible budget.
  • Decide which kind of windows you want. Consider the style, frame material and colour, the type of glazing you prefer, and how energy efficient you need your windows.
  • Use HouseholdQuotes to find local window fitters and potentially lower the cost of new or replacement windows.
  • Get several written quotes, and always ask for references and proof of insurance.
  • Obtain any necessary parking permits to allow your traders to park their vehicles whilst at your property.
  • Enjoy the view through your new windows!

Frequently Asked Questions

Do I Need Planning Permission or Building Regs Approval to Replace My Windows?

Since April 2002, building regulations apply to all new or replacement windows.

Windows and doors are considered a ‘controlled fitting’, so the government requires that windows meet certain standards regarding safety, means of escape, ventilation, and air supply.

To satisfy building regs, you can use an installer registered under one of the competent persons schemes such as FENSA or Certass. You can also use an unregistered installer but then you’ll need to seek building control approval on your own.

You can read the full guidelines here.

Should I Use a FENSA Approved or Certass Certified Installer?

There’s no legal requirement to use a registered installer in order to meet building regs.

However, using a FENSA approved or CERTASS certified installers helps ensure that your windows are fitted according to building regulations, so you know your windows will stand the test of time.

Whilst registered installers may charge more than unregistered window fitters, a registered installer can save you time because they’ll complete all the necessary paperwork for you.

If you choose an unregistered installer, it’s your responsiblity to apply for building control approval and arrange an inspection—both of which cost money.

Which Type of Window Frame Is the Cheapest?

Typically, white uPVC windows are the cheapest type of frame available on the market. This is because unplasticized polyvinyl chloride (uPVC) is widely available and the molten uPVC can easily be poured into window moulds of any shape and size.

This means that manufacturers can make large quantities of windows with relative ease, which keeps costs down.

Which Style of Window Is the Cheapest?

Casement windows are generally the most affordable window style, as they often have fewer moving parts than other window styles.

In particular, push-out casement windows tend to be the cheapest because they don’t have a handle. Single casement windows that are operated with a handle are also quite affordable, and are usually less expensive than double casement windows.

Will New Windows Stop Condensation?

The answer depends on where the condensation appears. Ideally, there should be no condensation between the panes of your double glazed windows. This indicates that the windows were poorly manufacturered or incorrectly installed.

Condensation on the pane that faces the inside of your home is normal and reflects the level of humidity inside your home as well as the difference in temperature between the inside and outside of your home.

To reduce condensation on your windows, you can consider adding a trickle vent to improve the flow of air from the outside.

Alternatively, you can try to reduce the level of humidity inside your home by using extractor fans in your bathroom and kitchen, hanging your washing outside whenever possible, opening your windows when the weather allows, heating your home to a suitable temperature during the winter, or purchasing a dehumidifier.

How Long Do Windows Last?

When correctly fitted and properly maintained, windows should typically last for 25 years.

Is There a Way to Repair a Broken Window?

There are a few temporary at-home fixes you can do to help the broken windows in your home, but these aren’t longterm solutions.

You can cover shattered glass with a plastic sheet to temporarily stop any debris coming into your home whilst you wait for a replacement, whilst smaller chips or cracks can be filled with glue as a temporary measure.

In most cases, it’s better to replace the entire window.

Can You Replace the Glass in a Window Without Removing the Frame?

Whilst this is possible, we don’t recommend doing this as removing the glazing can damage the frame and cause the window to fail in the longterm.

Instead, it may be better to remove the window and the frame together and re-fit as necessary.

How Do I Measure My Windows?

To measure your windows, start by measuring the width of your window at the bottom, in the middle, and at the top of your window. Then, take the narrowest measurement and deduct 10 mm. This is the width of the window you should order.

Second, measure the height of your window on the left side, in the middle, and on the right side. Once again, take the narrowest measurement for height and deduct 10 mm. This gives you the height you need for your order.

In most instances, you shouldn’t need to measure the depth of your window. However, some homes such as caravans and modular homes have shallow window openings. In these cases, you can determine the depth of your window by measuring the left, centre, and right side of your window frame. Once you have those three measurements, use the shortest one when placing your order.

If you’re ordering your windows directly from a supplier, it’s a good idea to doublecheck (or even triple check!) your measurements before placing your order.

When in doubt, ask a professional to measure your windows, so that you order the correct size and avoid expensive changes down the line.

How Much Do Velux Windows Cost?

Velux windows are likely to cost between £610 and £1,520 per window. Our estimates include both supply and fitting costs.

For more information about Velux windows, see our dedicated page.

Ready to start your project? We can help! Click the button below to get quotes from local window fitters who can help you get the job done:

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Tilt and Turn Windows | uPVC Tilt Turn Windows For Sale UK

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  • Tilt & Turn Windows

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The versatile dual-purpose window

Everest tilt and turn uPVC windows are the most versatile of the Everest windows range. The windows open inwards so you can clean the glass without leaning out, whilst the tilt option provides ventilation without compromising on security. This makes a tilt and turn window a great practical choice for any home.

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Tilt and Turn Windows gallery

Take a look at some of our recent tilt and turn window installations.

Explore Tilt & Turn Windows

Your tilt and turn windows can be tailored to your requirements.

ColoursFurnitureGlazingMiscTech Sheets

Colours

Our uPVC tilt and turn windows are available in a beautiful range of colours including uPVC woodgrain finishes, which look like real wood, but without any of the maintenance issues.

The single colour frames are the same colour inside and outside. Whereas on dual colour options the frame is white inside with a second shade on the exterior, in keeping with both the character of your property and inside décor.

uPVC colours

White

White Woodgrain

Cream Woodgrain

Golden Oak

Rosewood

Cream Woodgrain & White

Golden Oak & White

Rosewood & White

Black Woodgrain & White

Furniture

The tilt and turn in line handle offers flawless operation, outstanding quality and is available in a choice of colours to match the style of your home.

In Line Handle

Black In Line Handle

White In Line Handle

Graphite In Line Handle

Gold In Line Handle

Chrome In Line Handle

Glazing

Everything from highly energy-efficient triple glazing to types of glass including decorative, obscure and our acoustic glass, which is market leading for sound reduction.

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    Double Glazing

    Double Glazing
    Double-glazed windows comprise of two panes of glass that are separated by a spacer bar. The layer of air or gas sandwiched between the panes provides an insulation barrier against noise and heat loss, helping you to maintain a warmer, quieter home.
    Read more >

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    Triple Glazing

    Triple Glazing
    Enjoy extra warmth and comfort in your home with our triple glazing windows, boasting an unprecedented A++ energy efficiency rating.
    Read more >

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    Obscure Glass

    Obscure
    A range of patterns available with different levels of privacy to suit your needs. Ideal for bathrooms bedrooms or anywhere else you want privacy.
    Read more >

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    Decorative Glass

    Decorative
    Manufactured in a variety of ways to give a wide choice of patterns, textures and colours, decorative glass effects can be created on double glazing window panels by silvering, tinting, acid-etching or applying ceramic paints. ecorative glass looks beautiful in top hung fan lights (the top sashes of casement windows), as well as feature windows in halls and stairwells.

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    Noise Reducing Glass

    Noise Reducing Glass
    Sound reduction glass is another form of laminated glass that has a special polymer layer which has been engineered to absorb sound waves and reduce noise pollution from entering your home.
    Read more >

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    Toughened Glass

    Toughened
    Designed and toughened to shatter into fragments if shattered for enhanced safety. Regulations dictate when this must be used but can be installed anywhere. Safety glass required below or partly below 1500mm for doors and side-panels within or partly within 300mm of a door and below or partly below 800mm for windows.
    Read more >

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    Security Laminated Glass

    Security Laminated Glass
    Everest’s 6.4mm & 6.8mm laminated security glass surpasses every security standard on glass with an extra layer of laminate for added security. Laminated glass offers significant performance benefits over non-laminated glass. The layer inthe centre is made from PVB, polyvinyl butyral.
    Read more >

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    Leaded Glass

    Leaded
    Stylish strips of lead are a purely visual benefit that can be added to your window in order to make it more aesthetically pleasing. There are a range of leaded glass options that suit both modern and traditional houses, including square and diamond designs.

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    Georgian Bars

    Georgian Bars
    Georgian bars can either sit between the glass panes for easy cleaning or externally for a touch of authenticity. Ideal for traditional or conservation properties.

Misc

Bay configuration

A bay window is an arrangement of three or more individual window units. A bay window adds a projection to the wall which can be stood in, adding a stylish look from the outside and a great place to sit and relax on the inside.

Read more >

Tech Sheets

Our tilt and turn window tech sheet can be downloaded below as a PDF.

Tilt & Turn uPVC Casement Download

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  1. Free Quote

    Request a free no-obligation quote today.

  2. Latest Offers

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  3. Simple purchasing

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The benefits of Tilt and Turn Windows

Tilts for secure ventilation

The window can be tilted inwards from the bottom hinges, giving you easy and child safe ventilation in your home. You can adjust the opening with a choice of four different ventilation positions, all of which are kept in place with a tilt restrictor, ensuring your home security is never compromised.

Opens wide for easy cleaning

Tilt and turn windows are perfect for easy maintenance as the window can open inwards from the side hinges, allowing you to clean the outside from inside your home. This is particularly useful when windows are above the ground floor as no leaning out or ladders are required. The wide opening also means the windows can be used as an emergency exit.

High-quality Tilt Turn Windows, guaranteed

  • 20 year guarantee against discolouration of white uPVC
  • Lifetime guarantee against fog & condensation between panes
  • 10 year guarantee on window including hinges & gear-box

VIEW ALL GUARANTEES

Tilt and Turn Window FAQs

At Everest, we understand that choosing new tilt and turn windows can be a daunting task. So to help you here are some frequently asked questions which you might find useful.

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    What is a tilt turn window?

    Tilt turn windows are a popular choice for homeowners due to the practical and versatile features they offer. A tilt turn window can be opened in two ways, either opened fully like that of a casement window or they can be tilted from the bottom with the top of the window angled into the room. This allows an opening for ventilation with the benefit of increased security and safety. They also open into the room enabling easy cleaning.

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    Why do tilt and turn windows open inwards?

    Tilt and turn windows open inwards to allow flexible ventilation. With a tilt turn window you don’t have to have the window open fully to let air into your home. Opening it slightly, tilting into the room, provides the air flow required but with the additional benefit of security. The design also means that you can have the window open when it rains, without the risk of rain water entering your home.

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    Are tilt turn windows secure?

    Yes they are highly secure as a tilt turn window requires more robust internal hardware to operate than a regular casement window, and offers a multiple number of locking points. The in-swing hinges further secure the window from being forced open from the outside.

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    What are the advantages of tilt turn windows?

    The most obvious advantage of a tilt turn window is the varied ventilation. The tilt function allows for top ventilation, cutting back on strong breezes, and makes an excellent night opening whereas the turn function allows for a wide opening and maximum air circulation. Tilt turn windows also offer the advantage, of being easy to clean – great if your window is not accessible by a ladder.

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    Can I have tilt turn windows in a listed property?

    If you live in a listed property you may find that you cannot make changes that alter the exterior look and fabric of the building. As such you will not be able to upgrade the existing windows. It is important to check with your local authority to prevent any costly mistakes or Everest can help with your planning and building regulation concerns.

    Read more: Do you need planning permission for windows…

Everest window reviews

Advice and inspiration

Planning permission

Discover if you need planning permission for replacing your old windows.

READ MORE

Window design ideas

A selection of window designs to give you inspiration for your home.

READ MORE

Replacement windows

Everything you need to know about replacing your old windows.

READ MORE

Sorry, something you’ve entered isn’t correct. Please check the form.

    GET A FREE QUOTE

     

    By providing your details above you agree to be contacted under the terms of our privacy policy.

    Made in Britain is an initiative set up to highlight the importance of products being manufactured in Britain.

    Certified to ISO 9001, the most recognised quality management standard from The British Standards Institute.

    We’re a registered firm of TrustMark which gives customers reassurance of quality and protection from rogue traders.

    Secured by Design is a UK police initiative promoting products that help reduce crime.

    FENSA have accredited Everest’s installation of replacement windows, doors and rooflights in existing dwellings.

    The BFRC is the premier UK authority for independently verified ratings of energy efficient windows and doors.

    Bay Windows | uPVC Double Glazed Bay & Bow Windows For Sale UK

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    • Home
    • Windows
    • Bay Windows

    Bay Windows

    FREE UPGRADE TO ENERGY EFFICIENT TRIPLE GLAZING

    Stunning panoramic views

    • Adds charming character
    • Highly energy-efficient
    • Security that exceeds British Standards
    • Long lasting guarantees

    GET A FREE QUOTE

    What is a bay window?

    A bay window is an arrangement of three or more individual window units. A bay window adds a projection to the wall which can be stood in, adding a stylish look from the outside and a great place to sit and relax on the inside. Bay windows can be crafted from uPVC, timber or aluminium double glazing to fit with the style of any property.

    Why choose bay windows?

    Bay windows allow you to enjoy panoramic views of your outside space and are a perfect place to relax. Adding the sense of space and offering more light, due to the extra panes, whilst becoming beautiful feature by proving charming character to your home. With a range of material options and colours to choose from, a bay window can be a unique and inspiring addition to your home.

    Bay window configurations

    Single End Bay

    Splay Bay

    Circular Bay

    Square Bay

    The benefits of a bay window

    Energy efficient – keeping the cold out and heat in

    A bay window adds extra panes of glass so there is more space for potential heat loss. However, this is not the case with Everest bay windows as they are A+ rated as standard and made-to-measure so they fit your home perfectly and reduce heat loss. The space between these panes is filed with Argon gas and the spacers are coated with a low conduction material to hold in more of the heat you are paying for. Everest bay windows are also fitted with weather-resistant Q-Lon seals which create a tight fit to keep out draughts and help keep your home warmer in the winter.

    Security features that exceed British Standards

    With Everest bay windows you can rest assured that they are safe and secure as they exceed the level of security demanded by British Standards. An internal glazing bead prevents glass being removed from the outside for added peace of mind. We have also worked with leading lock manufacturers Yale to produce GrabLock, which has three times the locking surface area as standard multi-point locking systems, making it our most secure window lock ever.

    Stunning design to give your home a unique look

    Everest bay windows add character to a home and are a stylish addition. Everest uPVC bay windows are available in a range of colours to give your home a unique look, while timber bay windows are available in softwood and hardwood to give your home beautiful charm. Aluminium bay windows add a contemporary look and complement the style and shape of the window.

    What is the difference between a bay and bow window?

    A bay window and bow window are similar and sometimes difficult to tell apart from the outside but they do have one clear difference. A bow window is a unit planted onto the wall and therefore the projection created cannot be stood in, whereas a bay window adds a projection to the wall which can be stood in from the inside.

    Bay Window

    Bow Window

    Start your project today

    1. Free Quote

      Request a free no-obligation quote today.

    2. Latest Offers

      See our latest offers including a FREE upgrade to Triple Glazing.

    3. Simple purchasing

      Get the products you love and spread the cost.

    Bay window FAQs

    At Everest, we understand that choosing new bay or bow windows can be a daunting task. So to help you here are some frequently asked questions which you might find useful.

    • +

      What is the difference between a bay window and a bow window?

      A bay window is when the fabric of the building forms the shape – ie brickwork that protrudes from the property and provides extra space in the building. A bow window is the formation of a curve shape by connecting up a number of windows. This protrudes over the brickwork. With a bay window design, you can enjoy additional light and an extended view. A bow window enables the homeowner to incorporate more glass into the room due to the curve and can go a long way to making your room appear bigger and brighter.

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      Are bay windows more expensive?

      The cost all depends on the size of the aperture and how many windows are required to fill the space. Of more consideration is the quality – low budget options with less reinforcement or poorly fitted can result in structural problems that cause the window to distort, crack and even leak over time.

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      What colour options are available for Bay or Bow windows?

      As our bay and bow options are constructed using our standard range there is a large range of colours to help you personalise to your own style.

      Read more: Everest bay window colours…

    Everest window reviews

    Advice and inspiration

    How much do windows cost?

    Our guide to the cost of new windows to help you budget.

    READ MORE

    Window design ideas

    A selection of window designs to give you inspiration for your home.

    READ MORE

    Replacement windows

    Everything you need to know about replacing your old windows.

    READ MORE

    Sorry, something you’ve entered isn’t correct. Please check the form.

      GET A FREE QUOTE

       

      By providing your details above you agree to be contacted under the terms of our privacy policy.

      Made in Britain is an initiative set up to highlight the importance of products being manufactured in Britain.

      Certified to ISO 9001, the most recognised quality management standard from The British Standards Institute.

      We’re a registered firm of TrustMark which gives customers reassurance of quality and protection from rogue traders.

      Secured by Design is a UK police initiative promoting products that help reduce crime.

      FENSA have accredited Everest’s installation of replacement windows, doors and rooflights in existing dwellings.

      The BFRC is the premier UK authority for independently verified ratings of energy efficient windows and doors.

      Double Glazing Cost 2022: Window Installation Prices UK 

      These days double-glazed windows are pretty much standard. Mainly because the Building Regulations state new homes must have at least double-glazed glass. And, older properties install them when their single-glazed windows rot. 

      At present, the average cost of double-glazing in the UK is so reasonable that there’s no reason to miss out on their benefits. Typically, new windows cost from £400 to £600 for standard UK window sizes. And, an 8-window house costs around £4500 for uPVC replacement double glazed units. 

      But, what benefits do we get from installing double–glazed units? Probably, the most obvious is the savings on the monthly fuel bills. Smaller bills give us more disposable income. And it’s better for the environment. So, what’s not to like?  

      But, you must realise that double-glazing, or even triple glazing, won’t help you out if the remainder of your house isn’t fully insulated. Areas on which to focus include: 

      • Have at least 270mm loft insulation. 
      • External wall cavities need insulation. 
      • Fix draughts around doors, windows and chimneys.   
      • Double-glaze the front and back doors too. 

      Comparing Quotes Could Save You Up To 33%:

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      Topics

      How Much Does Double Glazing Cost?

      We’ve compiled the information in this article from many different online resources, to give you an overview of the best double-glazing available. Every home is different and has an individual style. Moreover, each one has a different number of windows of varying sizes. Therefore, it makes sense that an article such as this one can only give approximate price generalisations.  

      Suppose you want an exact estimate for double-glazing your house. In that case, you must contact a local double-glazing fitter. You’ll then receive a more accurate quotation after a site visit. 

      For now, the information given in the following table can be used as a double-glazed windows cost calculator. Compare your house against our information, and you’ll see how it compares with the cost of many average window sizes and types. 

      Property size Windows Cost
      1-2 bed flat (4-windows) uPVC £2000 to £2300 
      Aluminium £2200 to £2600 
      Wood £3000 to £3700
      3-bed terraced (8-windows) uPVC £4200 to £4600
      Aluminium £4600 to £5000 
      Wood £7000 to £7500 
      4-bed semi-detached (10-windows) uPVC £6500 to £7000 
      Aluminium £7000 to £7500 
      Wood £10500 to £11500
      5-bed detached (15-windows) uPVC £8500 to £9000 
      Aluminium £9500 to £10500 
      Wood £14000 to £15000

      Comparing Quotes Could Save You Up To 33%:

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      Double Glazing Price Factors 

      We know that each house is different, and these differences, among others, change the price to install your double-glazing. Let’s consider some of these now, and see how they alter the price. 

      Style 

      Usually, the style of window you choose varies the price of your double-glazed units.  You can choose from casement windows, which have two or more hinges on one of the sides. These are usually the cheapest style you can buy. 

      Alternatively, you have ‘sliding-sash windows’ to choose from. Sometimes, these are known as ‘box-sash windows’. Originally, the frame had a vertical box on each side containing a lead or cast iron counterweight.  The vertically sliding–sash would then be connected to the weight using a rope over a pulley. These days, strong springs counterbalance the sash’s weight, so they no longer need the boxes. Sliding–sash windows are about twice the price of casement windows. A typical 1.2m x 1.2m sliding sash window, excluding installation, costs around £800. 

      Double-glazed bay windows consist of a combination of opening, and closed windows, protruding from the wall. Their frames connect either at right angles (in the case of bay windows) or at other obtuse angles (as with bow windows). The bow window layout involves wedge–shaped joining pieces, strong enough to carry the load of the window’s ‘mini roof’. It also needs skilled double glazing installers able to work from precise construction drawings. A typical 3m x 1.2m, 3-section bow window costs around £1200 (excluding installation). 

      Number of windows 

      How does the number of windows affect a quotation? Sometimes, if you buy more, you can purchase them for less than if you added the single prices together. The reason is that you’re buying in bulk and a manufacturer can afford to sell them cheaper as a ‘job lot’ rather than singly. 

      Frame size 

      As you might expect, a larger frame costs more to make because the frame takes up more material. But, the labour costs should be the same because it takes the same amount of time to join two pieces of frame material regardless of its size.  

      Glass thickness 

      We also have the price variations brought about by differences in glass thickness.  Thicker glass provides better security, a safer environment for kids of all ages, and slightly improves insulation. 

      Upstairs or downstairs? 

      Installing a window downstairs is much easier than anywhere else, simply because the installer can stand on the ground, without worrying about climbing up ladders to scaffolding. The added cost of scaffold hire can also work out to be from £60 to £100 extra per window. 

      Comparing Quotes Could Save You Up To 33%:

      → Click To Get Quotes

      How to fit a double glazed window 

      The methods used to install uPVC, aluminium and hardwood double-glazed windows have been standardised in recent years. However, there are still variations in fitting methods depending on the manufacturer. 

      Whereabouts in the country 

      All labour charges in and around London can be up to 20% more than elsewhere in the country.  

      Supply only 

      Suppose you have a local window company or friendly carpenter who can install double-glazed windows. In that case, you can bypass the large specialist companies. Buy the frames ‘supply only’, direct from the manufacturer, and you can make a large saving. 

      Frame Style & Finishes 

      There are many types of double-glazed window frames to choose from. But, let’s talk about the different finishes available first. 

      uPVC 

      Generally, uPVC costs much less than other window material. Good quality uPVC window frames are easy to maintain. They only require a regular wipe with a damp cloth to remove dirt. If you have a particularly stubborn stain, use a squirt of washing-up liquid in a bowl of warm water. However, not every window frame is made of good quality material. Unfortunately, low–quality uPVC can warp and bend over time, and stain when exposed to UV light.  

      uPVC isn’t only coloured white. You can buy almost any colour or choose from a range of various wood grain pattern finishes. 

      Aluminium 

      Aluminium window frames are usually more expensive than most uPVC frames. You have a long-lasting, durable and strong window frame material in exchange for the higher purchase price. Good quality aluminium frames have better thermal efficiency than uPVC. And, are stronger, so have slimmer cross–sections than both uPVC and timber. They also need far less maintenance than wooden frames.  

      Aluminium can be coloured using a hot powder dip, to provide a maintenance-free, plastic coating bonded to the metal. The coating provides a large range of colours that last for many years. The colour also looks consistent across your entire window range. Furthermore, the colour can match and complement your home’s décor.  

      Timber 

      Although timber window frames are the most expensive of all the options, they give your home more added value than the other frames. They give an elegant finish to your windows. And, if you choose the correct style to complement your property, they can give a classic feel to the overall effect. Timber–framed windows are probably the best type is you have a period property but check with the local authority first.  There are various colours and species of wood to choose from, some hardwood and some softwood. If you choose softwood, it’s normal to paint them with good quality external paint. If you choose hardwood, you have the added option of using stain and varnish to enhance the grain.  

      Unfortunately, although they look great and give a feel of elegance, they also need regular maintenance. But, probably won’t last as long as uPVC and aluminium. So you must decide whether paying the extra for timber is worth it. 

      Styles 

      Now let’s look at the styles. We’ve mentioned some of these earlier, but it’s worth going over them in more detail now. 

      Casement windows 

      These are the most common style because they’re cheap to make and very versatile. This style is suitable for French doors as well as windows. We can choose windows that don’t open or those hinged at the side, bottom or top. There is a wide range of standard sizes so you can usually find one to suit your window opening. 

      Sash windows 

      Also known as ‘box frames’ or ‘sliding–sash’, these are commonly used on Georgian and Victorian period houses. They add a distinctive feel to the property and make it look particularly traditional. Technology has improved since the original timber box frames were invented. So, now springs counterbalance the sliding sashes rather than counterweights. Usually, the opening sashes slide vertically, but they can slide horizontally (without counterweights or springs). 

      Tilt & turn windows 

      These are a very modern concept compared to the previous styles. When closed, they look just like any other casement window. But, when opened, they can hinge inwards, or outwards. And, hinged on the side or top. This versatility allows for better ventilation and easier maintenance. They also have a lock feature so they can be opened to allow ventilation, but not enough to create a danger for children. 

      Bay window 

      A bay window protrudes out from a flat wall and creates an extra area within the room. Usually, they consist of double windows connected; one half with an opening window and the other half fixed shut. Often, bay windows have interior window seats to make full use of the added views. And, they allow more light than usual to pass into the room. There are many different bay window styles, such as box bay windows, and circle bay windows. But, by far the most popular is the bow window.  

      Bow window 

      A bow window is a specific kind of bay window. It isn’t as rigid as the other bay windows and includes angled windows and curved windows, which creates an overall softer feel outside of your home. Bow windows maximise light into the room beyond and give the occupants panoramic views.  

      Comparing Quotes Could Save You Up To 33%:

      → Click To Get Quotes

      Benefits of Double Glazed Windows 

      Probably, the most important benefits of double glazing are the warmth, and the savings they give on your energy bills. In turn, this creates a more comfortable home when you can afford to keep your home warm without breaking the bank. Hand in hand with this improvement is that your home has automatically reduced its carbon footprint by burning less fuel for the same amount of heat. 

      Although not specifically designed for it, double glazing also provides significant sonic insulation. Reduced sound levels make living next to noisy roads or railway lines more comfortable, so you have a better life quality. 

      Another advantage, tied in with the heat insulation, is the reduced condensation levels you’ll experience as the warm inner glass won’t contact the cold exterior. 

      If you decide to sell or rent your home in the future, double glazing increases the property’s overall EPC rating. The Energy Performance Certificate contains information about a property’s energy usage and costs. It also gives information on how to reduce energy costs even further. A typical EPC is valid for 10 years. 

      Double glazing is an investment that might not recoup the money you’ve spent, in terms of the cost of energy saved. But, it gives a more secure and a more comfortable home for your family to live in. It also makes it easier to sell or rent in the future. 

      Drawbacks 

      One of the main drawbacks for double glazing is that once the seal between the two panes of glass deteriorates, the glazing panel is useless. There is a special gas trapped between the two glass panes that help insulate the glazing unit without causing condensation. The two glass panes are kept apart with a spacer covered with an airtight seal. The seal degrades over time and allows moist air to enter the cavity. The leak causes condensation and allows heat loss across the cavity.  

      In the summer months, the glass allows the sun’s UV radiation to enter the house but traps the warmth inside. This situation leads to a stuffy and uncomfortable atmosphere in the room. You can buy double glazing with tinted glass to partially reflect the ultraviolet light, but this option costs extra. 

      No matter how much manufacturers try to disguise the fact, double glazed windows look new and modern. Therefore, they won’t complement an old or period home very well. Also, if you decide that the cost to replace all the windows simultaneously is too much. And, you choose to buy them one at a time, you have mismatched windows until they are all replaced. 

      Finally, most double glazing sizes are standard across the industry, so might not fit the window opening in your house, if it’s an old property. Some companies build custom-sized windows, but they cost much more than the standard sizes. 

      How are they Fitted? 

      Fitting replacement windows and doors come under the UK Building Regulations. Therefore, you either have to notify the local authority office beforehand to monitor the procedure or use one of the competent person certifications shown here. We recommend you don’t try to install them as a DIY project; it’s not an easy task. Instead, use a professional who is already certified to self check their work. 

      Whomever you use, it’s useful to know the installation procedures. However, remember that different manufacturers might recommend various methods depending on how they have manufactured their product. Use this list of steps as a guide, but remember that you should always follow the manufacturers’ instructions. 

      How is the window delivered? 

      You’ll receive each window in three parts: 

      • Cill. 
      • Frame.  
      • Glass. 

      You’ll find the glazing beads already clipped into the frame. And, they are easy to remove without the glass in the way. uPVC cover strips come in long lengths from which you can cut to length. 

      Removal of old window 

      Remove the old window as carefully as possible. You have to repair any damage to the walls, so the more care you take, the less work you need to do later. 

      Removing an old window isn’t easy, and the method depends on the design of the old window. So, leave these details up to the professional. Remember that screws hold the frame in place. And, fix through the sides into the wall. So this is where you must start. And, you must try to remove the old frame without breaking any glass.   

      Therefore use this sequence:  

      • Remove any opening sashes or casements.   
      • Cut through the cill or side of the window frame with a saw. 
      • Lever the cut piece away from the wall using a crowbar. 
      • Finally, lever the remainder of the frame away from the wall, taking care not to break the glass. 
      • Make sure you haven’t damaged any damp proof course that might be present. If you have, then replace or repair. 

      Install cill 

      • Cut the cill to fit the brickwork opening’s width.  
      • Glue the plastic endcaps into place on both ends of the cill. 
      • Sit the cill onto the wall’s outer skin. Ensure it is level using a spirit level. You might need to use plastic spacers to raise certain sections. The spacers should come with the window. 

      Prepare the frame 

      • Screw fixing clips onto the frame’s sides, one at about 100mm from the top and one at 100mm from the bottom. Depending on the wall, the clips might point towards the outside or the inside of the room. 
      • Smear a bead of silicone sealant onto the cill’s upper surface where the frame sits. And, against the small upstand at the back of the cill. 

      Install frame 

      • Sit the frame onto the cill, ensuring the silicone sealant seals the joins. 
      • Check the frame is upright, and square in the opening. Once again, use sliding wedges to adjust the frame. 
      • Drill into the brickwork, through the holes in the fixing clips.  
      • Screw the fixing clips onto the brickwork using suitable screws and wall plugs. 

      Install double-glazing unit 

      • Lift the double–glazed unit into the frame’s glazing rebate. Use plastic spacers to ensure an even space on all sides.  
      • Clip glazing beads into place. 

      Make good and clear up 

      • Squirt expanding polyurethane building foam around the gap between the frame and the brickwork to seal all the gaps. Wait for the foam to cure before going any further. 
      • Cut the cured foam flush with the frame and remove the pieces for disposal. 
      • Either make good with mortar on the outside and plaster on the inside. Or, use uPVC mouldings glued with silicone sealant to cover the cut foam.  
      • Clean up. 

      Duration

      To remove the old window should take no longer than an hour. Installing the new one should take about 45 minutes, not including making good and waiting for the polyurethane foam to cure. 

      Building Control, Planning Permission & Accreditations 

      Planning Permission 

      We don’t usually need planning permission for replacement double-glazed doors and windows as long as they are of similar appearance to those we intend replacing. However, the council might withdraw permitted development rights for your property. If you live in a Conservation Area, National Park or Area of Outstanding Natural Beauty, you must apply for permission. Similarly, if you live in a listed building, you must apply for ‘Listed Building Consent’ for significant work. 

      Building Regulations 

      The UK Building Regulations apply to all replacement door and window glazing,  specifically the following Approved Documents: 

      • Part B – Fire Safety. This section deals with the requirements of preventing fire within a building and the means to escape. Specifically, there must be at least one window capable of providing a means of escape from a burning building.  
      • Part F – Ventilation. This section deals with a building’s air quality and humidity, and how windows ventilate the space. 
      • Part K – Protection from falling, collision and impact. This section deals with positioning windows and glass panels in doors, how to prevent collision with them. 
      • Part L – Conservation of fuel and power. This section deals with the thermal insulation properties of double-glazing.  
      • Part Q – Security.   This section deals with the ways to ensure property remains secure. So windows must have adequate locking systems to prevent unauthorised entry. 
      • Regulation 7 – Materials and workmanship. This regulation ensures that all materials are of adequate quality. Furthermore, the quality of workmanship for manufacture and installation is suitable to provide a ‘Fit for Purpose’ product. 

      FENSA 

      FENSA is a scheme, authorised by the UK Government to ensure compliance of replacement doors and windows with the UK Building Regulations. Manufacturers and Installers have regular assessments to make sure their standards are maintained. As a bonus, FENSA registered installers issue a certificate to prove that the product’s installation complies with the Building Regulations. The installation company also informs the local authority to save you the trouble.  

      Other accreditations 

      Other accreditations to look out for include: 

      • CERTASS, the UK Government approved competent persons scheme. CERTASS registered members can self certify their work and also give you a certificate to prove the standard of work. 
      • BSI, British Standards Institute certifies that manufactured products meet the government standards for safety and quality. 
      • GGF, The Glass and Glazing Federation is the industry authority and promotes best practice, encourages better technical standards and monitors health and safety standards. 
      • SBD, Secured By Design, is the official initiative for security sponsored by the UK police force. The initiative tries to improve the security of buildings. If you see this accreditation, you know that the police recognise the security products. 

      Comparing Quotes Could Save You Up To 33%:

      → Click To Get Quotes

      Double Glazing Q&A 

      Is double glazing worth the money? 

      You should regard double glazing as a long term investment. Although you see savings in your heating bill over the years, it isn’t often that you recoup what you spent out on the window replacements. Regard the project as a way to make your home more secure and more comfortable to live in. You also have far less maintenance to do over the years. Moreover, if you decide to sell or rent your home in the future, it will be far more attractive than a home with single glazing. 

      How long do double glazed windows last? 

      Your windows should last from 25 to 30 years. But, if your home is in a sheltered area, not subject to extreme weather and you regularly maintain the windows as the manufacturer recommends, they should last longer.  

      There are certain tell-tale signs you should look out for that tell you when the windows need replacing: 

      • Notice draughts around the windows. 
      • Look for cracks or chips in the glass. 
      • There might be condensation on the inside of the glazing unit. 
      • Is there water leaking around the window? 
      • Your energy bills steadily rise. 
      • It becomes harder to open and close the windows. 

      Usually, the sealed units degrade first and cause condensation inside the unit. Good quality glazing unit seals can last for about 30 years or so. But, if the seals last for around 20 years, you have had a good life from them. 

      Is laminated glass better than double glazing? 

      That depends what you want out of the window. If you want better security and safety, then use laminated glass as it is very difficult to smash. On the other hand, if you want heat insulation, use double–glazing. After all, that’s how it was designed.  

      But, if you want to incorporate both, you can. You can buy laminated double–glazed units to combine the advantages of both types. Unfortunately, they cost more too. 

      Can you fix condensation in double glazing? 

      Yes, you can. Some companies specialise in reconditioning and repairing double–glazed units. First, they drill a small hole through the spacer bar into the cavity. Then, they inject a desiccant into the cavity to absorb all the moisture. They can also replace the gas between the glass. Finally, they seal the hole to prevent further moisture ingress. 

      Why can I hear noise through my double glazing? 

      Double-glazed windows reduce noise, not eradicate it. However, if you hear more noise coming through than usual, it’s time to see if part of the window has failed. You might have problems with the window frame, the rubber seal between the frame and glass, the glass itself, the cavity between both glass panes, or the joint between the frame and the wall.  

      Suppose your windows are more than 10 years old. In that case, it’s a good possibility that the seals have degraded or that you have a leaking spacer in the double glazed unit itself.  

      If you can’t see anything obvious, call in a professional double glazing expert to find the problem. 

      Get Online Double Glazing Quotes 

      If you believe it’s time to replace your windows for some modern double-glazing, don’t do it without looking at a few different companies first.  

      Complete the form on this page, and you’ll receive 3 or 4 quotes so you can sensibly compare the double– glazed window costs, without choosing the first company you see. 

      Comparing Quotes Could Save You Up To 33%:

      → Click To Get Quotes

      Replacement Windows Cost Calculator | Replacement Window Prices UK

      Double Glazing On The Web‘s replacement windows cost calculator allows you to compare window prices online.

      Working with us to get replacement windows is the ideal decision for your home. Our suppliers only use the best materials in their designs. You’ll get a choice of durable frames and incredible double glazing through our cost calculator. Additionally, you’ll be able to add colours and finishes to give your new window a personal touch.

      You’ll also be working with a local installer, who we ensure will provide you with a courteous service that’s worth your time. These specialists have regulatory approval from bodies like Checkatrade, meaning they’ll make sure to install your new windows with precision. And, by using our replacement windows cost calculator, you can benefit from this service at a price that’s under your control.

      Start Your Quote

      Why Should I Use a Replacement Windows Cost Calculator?

      When you look to install replacement windows, using a cost calculator can be a huge help. Many companies can look to oversell on cheap materials, and you may not be aware of quite what’s best for you. However, a replacement window cost calculator gives you all the options to look at in an interactive tool and allows you to compare window prices for free.

      Using our replacement window cost calculator also puts you in complete control of your budget. You’ll be able to explore a range of window styles, features and materials to design something that suits your price range.

      You can even see how the size of your windows affects the price as well, meaning you can get a complete picture of the cost before you commit to purchasing.

      If you want to keep the cost of your replacement windows down, then a cost calculator helps you find out which designs work for you. For example, you could choose smaller windows, a less complicated opening system, or even not to have an opening at all if you don’t feel you need it.

      You’ll have the freedom to make all the choices you want with ease.

      Finally, using the replacement windows cost calculator from Double Glazing On The Web can help you find local suppliers and installers. We extensively review our network, as we believe your home only deserves the highest-quality windows on the market.

      Working with these trusted companies, and with our double glazing cost calculator, you’ll be able to add a stunning replacement window with less stress and cost.

      What are the Benefits of Replacement Windows?

      With our replacement windows cost calculator, you’ll be able to invest in replacement windows with confidence. You should be able to regardless, however, as replacement windows are a brilliant and affordable way to enhance your home. Windows play a huge role in how your home uses energy and stays warm. With a brand-new window, you can transform your home into a comfortable space.

      If you have older windows, they could be losing energy in your home. Many of these designs only use one layer of glass, which can be prone to poor heat transfer. That means warm air leaves your home more quickly, and cold air, in turn, can enter your space. Replacement windows put a stop to that, however, with their advanced designs and materials.

      You can choose from an enormous variety of window styles when you use our double glazing cost calculator. If you want to add a new look to your living space, then you’ll have free reign with this interactive tool. You could choose a sliding sash window that opens upwardly for a design with timeless class. Or, you could get bow and bay windows that extend a wall of your home with their stunning glazing.

      Replacement windows will also add to your living space in a variety of ways. Your glass, for example, will be far less prone to condensation and dirt, saving you the hassle of maintaining it. Also, the frames will be air and water-tight, and they’ll work with your glazing to protect your home from even the worst conditions. These modern windows are the complete package for your home, and competitively priced via our double glazing cost calculator.

      Can I Save Money by Installing Replacement Windows?

      With energy bills rising year after year, it’s never been more crucial to make your home more efficient. By installing replacement windows through our cost calculator, you’ll be adding an advanced design to your living space that helps you stay warm and comfortable. You can choose multiple glazing and frame options, each of which makes saving energy inside your home straightforward.

      You can choose from double glazing or triple glazing for your new window with our cost calculator. Double glazing uses two panes of glass to trap heat, putting a barrier between your home and the outside world. You’ll be able to stop your home’s warmth escaping, and cold air from coming into your home as well.

      That way, you can stay warm throughout the year without needing your central heating. And, with our double glazing cost calculator, you can get replacement windows with high energy ratings of up to A++!

      There’s also plenty of options for your window frame, including uPVC and aluminium. uPVC is an impressive material that coats the surrounding of your window, reducing the space heat can escape through. Aluminium does the same, but also provides outstanding strength for your living space that can secure your home from intrusion.

      Both can help to insulate your home, saving you even more money on your household bills. With a replacement window, you can also save money on repairs, as you won’t have to deal with an older window losing its performance gradually.

      Not only that but by using Double Glazing On The Web’s replacement windows cost calculator, you’ll be able to get a better deal on a brand-new window for your home.

      How Much Do Replacement Windows Cost?

      With our replacement aluminium or uPVC windows cost calculator, new windows can cost as little as £150 to install in your home. However, this cost is for one smaller casement window. If you want to add multiple new windows to your home, or you’d rather have a bolder style, such as a sliding sash window, then you should compare more double glazing prices. Also, your choice of glazing and frames will have an impact on the overall cost.

      Tilt and turn windows, for instance, can start from around £450 to install with a uPVC frame. Sliding sash windows can cost around £550, while bow and bay windows start at over £1,000. However, each one uses their glazing and frames in slightly different ways and has a unique design that’ll stand out inside your home.

      When it comes to glazing, another critical decision to make is whether to go with double or triple glazing. Triple glazing has much better energy-saving potential, and it can make your home more secure as well. However, it costs £110 more on average than double glazing, and it also lets less natural light through.

      Also, aluminium frames cost more than uPVC frames to fit. Their robust build and security features make them a worthwhile investment, providing you and your family with invaluable safety. The best way to find replacement windows that suit your needs and your budget, however, is to use our intelligent double glazing cost calculator for replacement windows.

       Start Your Quote with our Replacement Windows Cost Calculator

      Double Glazing On The Web can help you make a worthwhile investment thanks to our replacement windows cost calculator. When you use our services, you won’t have to worry or stress over getting a faulty window, or one that has poor quality. The suppliers in our network are experienced local specialists, who’ll strive to give you a window that can make a genuine difference to your home.

      You can design every aspect of your replacement windows using our cost calculator. You’ll be able to input your precise dimensions into the system, choose the style you’d like for your home, and then customise it as much as you’d like. There are dozens of vibrant RAL colours and finishes to choose from that won’t fade over time, thanks to these windows’ durable design. Our double glazing cost calculator has every option to put you in control.

      Then, you can get a free, no-obligation double glazing quote within minutes for your window design. That way, you save time calling up companies and talking your ideas through with them, and you can get a quote from the comfort of your home. Once that happens, we’ll put you in touch with local installers in your area who’ll give you the best quote they can to fit your windows.

      Because of this, you’ll get a more detailed view of the market with our replacement windows cost calculator, and you’ll be able to make a more informed decision. Once you decide to work with a supplier, they’ll ensure your window uses top building materials and is made-to-measure for your home too.

      With Double Glazing On The Web, you can get replacement windows that make your home warmer and more comfortable with ease, thanks to our cost calculator. You can get in touch with us to find out more about our services as well, by using our online contact form or calling us on 0800 015 5679.

      Frequently Asked Double Glazing Questions

      Our replacement windows cost calculator is the easiest way to find and compare replacement windows prices. All you have to do is use the interactive tool to design your ideal replacement windows. From there, the double glazing cost calculator will provide instant guide prices for your bespoke replacement windows, and you can start comparing quotes from local installers.

      Our double glazing cost calculator helps you find a range of competitive prices for replacement windows. You can design your dream window using the tool, and then you’ll get a guide price for your bespoke design. Once you have the design, you can compare prices from local installers. As a result, you can see the bigger picture of what you should pay for replacement windows through our cost calculator.

      Our replacement window cost calculator can help you cut the cost of your brand-new design. With the double glazing cost calculator, you can find lower prices from a range of local installers for market-leading replacement windows. With Double Glazing on the Web, then, you can save up to 40% using our replacement windows cost calculator to enhance your home!

      Our uPVC replacement windows cost calculator can save you time as well as money. Rather than search for companies on your own, you can find them in seconds when you get a free online quote using our costing tool. By using our double glazing cost calculator, you can make the process of replacing your windows far smoother, and cheaper too!

      Our uPVC windows online price calculator can help you create replacement windows that are one-of-a-kind. Our double glazing cost calculator has all of our customisable options, meaning you can design a window that nobody has ever seen before. And, through our replacement windows cost calculator, you can save up to 40% on your unique window as well!

      how much does it cost to move and live in England

      At the beginning of 2018, my husband and I moved to London.

      Olga Bystrova

      lives in London

      Author profile

      My husband was offered a job in the London office of his company, and we decided that the chance should not be missed. In Moscow, we had to leave a newly renovated apartment, a well-established life and my workplace in a good company. At the time of the move, I was four months pregnant and gave birth to a child already in London. I will tell you about the family aspects of London life in this article.

      I will not compare my life in London and Moscow, but will share our experience of moving. All prices indicated are average and depend on many factors, so it is better to evaluate in proportion to income.

      Why London

      This is a huge metropolis with 9 million people. It is a multinational city, a transport hub with six airports, one of the world’s cultural capitals, a financial center and a source of employment opportunities for every taste. London has almost everything, which is why we moved here.

      However, a tourist sees red telephone boxes, shiny skyscrapers, famous musicals and beautiful architecture in London. The resident sees all the same, plus impressive bills, an incomprehensible work culture, the need to buy any tickets at least two weeks in advance, and mold in the houses of the old stock.

      But the shock wears off quickly.

      View of London from the Tate View of London from Primrose Hill

      Visas and relocation

      In November 2017 my husband received a contract, in January he had already moved. My cat and I arrived in March 2018. Our things arrived from Moscow in early April.

      We are in the country on a Tier 2 intercompany transfer visa. This visa does not allow you to change employers and does not count towards a British passport. If you were fired or made redundant, you need to pack up and go back. This is the worst option of all types of work visa. You can stay in the UK for a maximum of 9 years. At the same time, every 3 years it must be renewed at your own expense, unless otherwise agreed with the employer. You can change this visa for a more comfortable one, but for this you need to return to Russia and re-submit the documents.

      There are other types of visas. Some give the right to receive a permanent residence permit after 5 years of residence in the country, but due to the current political situation between Russia and the EU, everything can change.

      A detailed description of the various visas on the UK Government website

      The employer paid us the costs of moving, provided us with an agent for the transportation of things and a cat, as well as a consultant in finding an apartment. We collected the documents ourselves. The cost of our visa is £600⁣ (50,889P) per working person plus the same amount for each member of his family. The validity of the visa is 3 years.

      Find out how people live in other countries

      Sign up for Suitcase, a free emigration and travel newsletter. We send letters every week

      For a work visa to the UK, in addition to standard documents, you must pass a test for tuberculosis – take an x-ray of the lungs. You also need to pay a health care contribution – this is 400 £⁣ (33,900 R) per person for each year of residence. Because of my pregnancy, they refused to do an x-ray and sent me to a TB dispensary. Whether it’s really safer for the fetus – I still don’t know.

      I applied for a visa separately, as I moved two months later than my husband. Therefore, in addition to the marriage certificate, I had to attach printouts of joint photos and screenshots from social networks. “A future joint child is not yet a reason to consider your relationship serious,” experienced people said when collecting documents.

      What to do? 03/19/19

      How to visit London without a UK visa?

      After arriving in the UK, you need to pick up your residence card (BRP) within a few days, as the entry visa is valid for only 1 month. After receiving the card, you need to register with the police. The first registration takes place in the department for foreigners – it is the only one for the whole of London, so you need to come well in advance. In the future, if you change some data, you can re-register at any police station.

      After the birth of my son, I had to apply for a visa for him too, but at my own expense, and not at the expense of the company. It cost about 1,500 £⁣ (127,223 R). Now we know that it is better to discuss such things with the employer in advance.

      BRP – resident card

      Transportation of a cat

      A separate problem is to transport a cat to London. I first studied the rules on the government website and read this article in T-Z.

      Animals are not allowed to be transported to the UK in the cabin – only as cargo in a special compartment. Now only two air carriers are doing this: British Airlines and Aeroflot.

      UK Government step-by-step guide on how to bring a pet into the country

      You can also bring a pet by car across the English Channel. There are special companies that take animals by car across Europe for several days, but we decided that the plane is still much faster, which means less stress.

      When I called Aeroflot for the first time to find out the details, they stubbornly argued that it was impossible to transport a cat to the UK in principle, but the code word “cargo” helped to find the right specialist.

      Before moving, the cat must obtain an international passport, be microchipped, and then vaccinated against rabies. The vaccination must be done no earlier than 30 days and no later than a year before departure, this is important. All these procedures are standard, they can be done in any veterinary clinic.

      How pet chipping works, article on the website of the Belyi Klyk veterinary clinic

      Before flying, you need to get a certificate from the state veterinary station – it is valid for only 5 days.

      Before departure, this certificate must be exchanged for an international certificate – this is done right at the airport. The cat will need a large carrier that complies with airline regulations.

      This is the certificate you get at the airport

      In our case, at the stage of the flight, a special company took care of all the worries. The cat was taken from an apartment in Moscow and brought to an apartment in London. In the UK, even if you wish, you cannot pick up an animal from the airport on your own. This should be done by a special agent – a legal entity. We were scared by quarantine for the animal, but if the documents are in order, there will be no problems.

      You pay a fee of £500⁣ (R42,000) for the entry of an animal. A ticket for a cat to the aircraft cargo hold will cost about 30,000 RUR. Add the costs of vaccination, certificates and a customs broker. In total, the husband’s company spent about 100,000 R to transport the cat, but this was agreed in advance in the contract.

      100,000 R

      my husband’s company spent on transporting the cat to London

      Our cat survived the flight heroically and didn’t even go bald, as we were scared. First of all, upon the arrival of the animal, we took out insurance for it, because the services of veterinary clinics in the UK are very expensive. For the most advanced coverage, we pay £600⁣ (50,899 R) per year. The insurance database did not contain the breed of our cat, we had to indicate it as Siberian.

      Sticker on the cat’s cage with the caption “Please be nice to me” The cat survived the move the easiest of all

      Language and people

      I speak English fluently, but after moving I discovered a gap in everyday vocabulary. It is important not to be afraid to ask again, because everyone’s accent is different. Since there are many visitors to London, you have to understand French, Indian and Chinese English. It’s hard, especially on the phone.

      In London there are free or almost free English courses taught by foreign teachers. They need practice, and they teach in special centers, but they cannot improve their language above the average level. But if you have at least a base, vocabulary will come by itself.

      /english-exam/

      How much does it cost to take IELTS or TOEFL

      The people in London are very international. I go to the pool, there is a German woman in the group, two Chinese women, a Spanish woman, a Thai woman and only one British woman. My husband has many Dutch, Spanish and French colleagues among his colleagues. My husband and I like that everyone around is polite and friendly, smiling and always ready to help.

      The British are generally reserved people, it is not easy to make friends with them quickly. They strictly follow the rules of communication. Small talk is common here – a short conversation about the weather or pets. Once our cat jumped out the window, and I climbed to get him from the neighbor’s visor. The picture was interesting: a woman in her eighth month of pregnancy is standing in the window with a chair in her hands, and a cat is screaming heart-rendingly on the visor.

      The cat is looking for a way out of the situation

      The British neighbor from below saw us and decided to start a conversation about the weather, after which she said that we have a beautiful cat. The question “What are you doing there?” I did not hear – the neighbor preferred not to focus on the ridiculous situation.

      The British also like to send each other postcards and receive postcards in return. On the birth of our son, the neighbors sent us congratulations, and we responded verbally with gratitude. Later we were told that this was bad manners.

      I have a lot of Russian acquaintances in London. I run Instagram, and I found many people through it. I am also a member of the London moms group – this is a source of not only new acquaintances, but also useful contacts.

      Salary and work

      Jobs in London can be found for all tastes: almost all global companies are headquartered here. My husband and I are both from the financial sector, for us in London there is a very large selection of vacancies.

      You can search for a job through the Internet, through acquaintances or through special agencies. It is very effective to use Linked-in in this regard, but, unfortunately, from Russia it works only through VPN. We were advised by the Michael Page agency, but I have not used its services yet. The choice of agencies is quite large and depends on your specialization.

      /vpn/

      VPN of a healthy person

      You can apply for a job from anywhere in the world, the main thing is to meet the requirements. If they like you, they may offer you to come for an interview, sometimes they will even pay the expenses. Transfers within companies are also common. This is how my husband moved to London. Some large companies offer employees an experience exchange program – to go to an office in another country for a couple of years.

      If in Russia they call the salary per month, then in the UK it is customary to count it as a year or call the hourly wage. The minimum wage is £8.21⁣ (R680) per hour, the average salary is £35,000⁣ (R2,906,758) per year.

      Minimum salary in the UK

      Average salary in the UK

      The average salary of a doctor with five years experience is £40,000⁣ (R3,300,000) per year, the average salary of a police officer is £26,000⁣ (R2,140)000 . In the financial sector – 42,000 £⁣ (3,470,000 R) per year.

      You can find out the average salary for your profession on the Payscale-com website by entering the initial data – from experience to education.

      Since I moved while pregnant, I did not have a chance to work in the UK: I went to the London office of my company for only a month. In the financial sector, for women who come out of a long-term (from 2 years) maternity leave, there are special programs for returning to pre-maternity career positions.

      Decree

      Decree in Great Britain is shorter than Russian. Instead of Russian 3 years, the employer here holds a place on standard conditions for only 26 weeks, then the position can be changed, but the salary cannot be reduced. In any case, the company is obliged to provide work on return after 52 weeks or earlier at the request of the woman.

      The structure of payments is structured as follows: the first 6 weeks after giving birth, a woman receives 90% of her salary, while the first two weeks of the decree, she must definitely take time off, even if she wants to immediately go to work. Then they pay about £600 (R50,000) per month for up to 9 months, and nothing for the last three months. There is also Paternity leave for fathers – according to it, my husband received an additional two weeks of vacation.

      90%

      women receive salaries in the first 6 weeks after childbirth

      Most often they work here right before the birth, although you can take a maternity leave as early as 11 weeks in advance. But the later you go on maternity leave, the more free time you will have to take care of after the birth of your child.

      Since nannies and kindergartens are expensive here, many people try to give birth when they are older, which allows them to reduce the budget for childcare.

      Taxes

      Basically, there are several types of taxes in the UK: income tax, property tax, capital income tax, inheritance tax and VAT. But there are other types of taxes.

      How taxes work in the UK

      Instructions on how to pay tax on different types of income

      The most important tax is income tax. In the UK, the principle “the more you get, the more you give” works. There is the concept of personal allowance – this is 12,500 £⁣ (1,032,835 R), from which no one pays tax. The rate increases in proportion to income. Today, the order of amounts is as follows:

      1. Up to £12,500⁣ (R1,024,810) per year – 0% tax.
      2. ⁠12,500—⁠50,000⁣ (⁠1,024,810—⁠4,099 240 R) – 20% tax.
      3. ⁠50,000-⁠150,000⁣ (⁠4,099,240-⁠12,297,720 R) – 40% tax.
      4. From £150,000⁣ (R12,297,720) and above – 45% tax.

      Tax is calculated on total disposable income, not just salary.

      Council tax depends on the area and location of the property. They pay it from any housing, their own or rented. If you live alone, you are entitled to a 25% discount. We pay £160⁣ (R13,220) per month, we were not lucky: another district starts across the street from us and there the tax is three times less.

      The British are especially worried about the inheritance tax – it’s impressive here. If a person dies, then an inheritance valued at more than £325,000⁣ (R26,900,000) is taxed at a rate of 40%. If, after receiving the property, you want to sell it, and the price of the property has increased during this time, you will pay income tax. With London apartments costing more than £325,000 on average, Britons prefer to pass on assets while they live. But if a person dies within 10 years after such a transfer, inheritance tax will still have to be paid.

      You will also have to pay for the car. When calculating the transport tax, they look at the engine size, type of fuel and the amount of harmful emissions. You can calculate your tax on a special website. We don’t have a car yet, so we don’t pay this tax.

      /london/

      Life in London

      Before you start paying taxes, you need to get a NIN – something like our SNILS and TIN at the same time. You can get it by phone, sometimes they can call for an interview. You also need to determine tax residency. It depends on many factors, but in general, there are three automatic rules:

      1. You have been living in the UK for at least 183 days.
      2. You own a property in which you have lived for at least 91 consecutive days.
      3. You have been working in the country for 356 days without significant breaks.

      If so, you are a UK resident.

      The tax year starts on April 6 and ends on April 5. If income under the PAYE system is pay as you earn, then you don’t need to send anything yourself, the employer will do everything. If there is any third-party income, you must submit a declaration before January 31, you can do it online.

      UK tax residents are required to pay taxes on all income they receive worldwide. The exception is income from domicile. This is a complex concept, and it is not equivalent to residency, but is determined by a number of factors. Domicile is a state with which a person has close cultural and economic ties, it is often determined by the place of birth of the father.

      In our case, if we buy an apartment, for example, in Spain and rent it out, then we will have to pay taxes both in Spain and in the UK. And if we rent an apartment in Moscow, then we will pay the tax only in Russia.

      As elsewhere, the tax system requires detailed study. I have described only the basic part. The most detailed information about the tax system is written on the website of the UK government.

      Money

      In Great Britain, the official currency is the pound sterling. However, be careful: English pounds in Scotland may not be accepted and vice versa. Once, after a trip, we had Scottish pounds left and the taxi driver refused to take them. True, the phrase “either these or none” quickly convinced him. I exchanged the rest of the Scottish pounds for English ones at the post office.

      Cashless payments are common in London. Sometimes you can even buy fruit in the market this way. But cash is still needed. You won’t surprise anyone with a paypass: for example, you can pay for bus fare with them. You can pay by card when making a phone call – giving your CVV code is considered normal here. At first it shocked us, but now we are used to it.

      /scotland/

      How much does a vacation in Scotland cost?

      The largest banks in the country are Lloyds, Barclays, HSBC, NatWest. The employer helped my husband with opening an account: he gave a certificate of income and confirmation of the address. With these documents, the husband went to the bank and opened an account. This can be done in a special department for working with foreigners.

      The digital revolution in the banking sector has not yet occurred here: many transactions are carried out only through regular mail and telephone. For example, in order to have access to a mobile bank, you need to go through personal identification. To do this, you need to call the bank and answer the questions. The husband was asked the country of his birth. The answer “USSR” put the employee into a stupor. He asked his husband several times what state he was born in. In the understanding of a bank employee, a person could not be born in the USSR – the USSR, since the country no longer exists. But in the USA – USA – it’s easy!

      Another time, my husband entered the wrong password in the Internet bank, restored access by phone, and a week later received a paper letter that his account was blocked. By that time, he had been using the account as usual for a week.

      Bank branch in our area

      I opened an account at the same bank as my husband and ran into British bureaucracy. First, I filled out a questionnaire on the Internet, where I indicated my data, income and addresses for the last three years. After that, I was invited to come to the bank with all the documents. The lease agreement with my name inside was not enough, and the employee asked for a certificate from the real estate agency. I brought the certificate, but even this seemed to the bank not enough: the employees asked for invoices in my name. At that time, I had only one account, since we had just moved, and this did not suit them.

      After looking at my stomach, the staff offered to confirm my residential address with the attending physician – for a small fee, a general practitioner can do this officially. As a result, I left this bank and opened a Revolut card.

      List of documents required to verify identity when opening a bank account

      Getting a credit card is even more difficult. A credit history in the UK is important, and when you move from another country, you, of course, do not have it. We waited for 6 months and unknowingly for the first time were refused. The husband ended up opening a credit card at the same bank where he had the main account, because they had all the statements about spending and cash flow.

      Many credit cards provide additional options, discounts and loyalty programs.

      What to do? 06/14/18

      I want to open an account in a European bank

      In the UK, direct debit is very common – a service that allows a bank to debit a certain amount without the participation of a client. Often, when choosing a direct debit, you get a discount from a service provider, since for him this is a guarantee of a stable cash flow. We pay direct debit for all bills, a pool for a child and museum memberships. Stable payments are a plus for credit history and are taken into account when receiving a credit card.

      There are also special accounts for children. You can open a savings account for your child. Until the age of 7, it will be tied to a parent card, and from the age of 7, the child will even be issued a personal one.

      There are also so-called Junior ISAs – investment accounts that work until the child is 18 years old. The main advantage of such accounts is the absence of income tax. But the money is not available until the age of sixteen, and you can replenish the account with a maximum of 4368 ⁣ (364 000 R) per year. You can read more on the Moneysavingexpert website – this is the best resource on saving in the UK.

      Housing

      London property is a huge market, but the high prices don’t match the quality. The cost strongly depends on the area and transport accessibility. If a subway appears in the area, apartment prices rise at lightning speed.

      Finding an inexpensive apartment in a new house in London is not an easy task. Especially if you are looking in the center. There are few new houses in such locations, and the prices for apartments in them are high. But there are many beautiful old houses here, but they have their drawbacks. The main problems – dampness and mold – are found in many apartments. The second common problem is old windows with slots and poor heating. It is often impossible to check this when viewing.

      In our house, the batteries turn on chaotically and not at all when we need it, but we cannot influence this. There are houses where heating is turned on only at night, and during the day it is not at all.

      In London, the system of relations between the owner of the apartment and the tenant is very clearly built. You find an apartment through an agency or on zoopla.co.uk or rightmove.co.uk. Contact an agent and go for a viewing. If you like the apartment, leave a deposit so that it is not shown to others. If you decide to rent, you make an offer to the owner. The offer includes absolutely all the wishes of the tenant: you need to write that you want to move in with the cat, take out certain furniture, repair the door or change the lock.

      /rent-with-cat/

      How to rent an apartment if you have a cat

      Prices on websites are per month or per week

      If the host accepts the offer, you must make a deposit and set up automatic direct-debit payment for monthly payments. After that, through a special agency, they check the apartment. A person comes and, together with you and the owner, describes the apartment in detail. Any cracks, stains and scuffs are fixed. The agency is your arbiter. All issues with the owner can be resolved through him, he also keeps a deposit. The deposit is usually the cost of rent for 6 weeks, but we paid for 8 – because of the cat.

      Parliament recently passed a law making all of the above fees strictly regulated, and the amount of the deposit can no longer exceed the amount for 6 weeks of rent. The changes come into force on June 1, 2019

      When we chose an apartment, we had many criteria, but the most important one was the opportunity to move in with a cat. Having a pet severely limits the choice of apartments. In some houses, you won’t even be able to buy an apartment if you have an animal.

      The second important requirement was the availability of an elevator, because we were planning a child. We looked at about 20 apartments, and almost all of them had only stairs. One had an elevator, but there were still three steps leading to the apartment itself. As a result, we rented an apartment in an area where there are almost no high-rise buildings, and now I carry a stroller from the second floor in my arms.

      The houses on our street look like this, they are mostly private The stairs in our house

      The first floor in Russia is the ground floor in the UK. There are also so-called lower ground apartments here – below ground level. They have little light and often have a separate entrance, but sometimes they have their own exit to the garden. Each district has council housing – social housing. The city authorities are pursuing such a policy so that there is no ghetto somewhere in one area.

      We are currently renting an apartment of 56 m² with two bedrooms, a very small kitchen and an old bathroom. We pay for it within 2000 £⁣ (165 235 R) per month. The apartment is located in a former private house. We have wooden windows with slits and carpet, which the British love so much. But the house has an excellent location. We understand that we overpay for the area, but around the corner we have the entrance to Regent Park, and you can walk to Oxford Street in 40 minutes.

      R160,000

      we spend on average renting a two-bedroom apartment

      Transport

      London is a huge transportation hub. Here is the oldest subway in the world, it is very branched – 12 lines – and covers almost the entire city. The transport system is divided into six zones. Depending on the zone and the time of travel, the cost of the trip is calculated. One ticket within the first zone costs 4.9 £⁣ (408 R).

      You can buy Oyster, it’s a card like Troika in Moscow, but everyone already pays for travel with regular bank cards with contactless payment. In terms of cost, this is the same as Oyster, and almost two times cheaper than regular paper tickets. You can also buy a travel card – my husband pays £135⁣ (R11,154) per month for it.

      11,000 R

      on average, a husband spends on a travel card per month

      The age of the subway affects the quality of its work: constant train delays, closeness at old stations, lack of elevators and a large number of stairs. Every day you need to check if your line is working normally if you are going to go somewhere. But by metro you can get to Heathrow, the main airport of the city. The ticket costs £6⁣ (500 R).

      In addition to the underground, many trains and electric trains come directly to the center of London – there are 13 stations in the city. There is a connection to Paris through the famous Channel Tunnel.

      If you buy tickets in advance, you can go to France by train for £60 (5000 R)

      There is also an overground – a suburban railway, something like our MCC. There are well-known red double-decker buses – double deckers. Traveling by bus is cheaper than the metro, and it is much more convenient to travel with a stroller. True, the number of wheelchairs in a bus cannot be more than two, and if a passenger enters in a wheelchair, then parents with wheelchairs must get out and give way.

      There are few trams in London. Other exotic modes of transport include river boats and a cable car in the Olympic part of the city.

      Taxis in London are very expensive, especially cabs, although the latter are very popular with City workers. There are Uber and Gett – they are a little cheaper.

      A car in London is a luxury: there are narrow streets and expensive parking. You also have to pay to enter the city – this is part of the policy to reduce traffic and harmful emissions. But you can buy a bike and even get co-financing from the city for it. You can rent a bike at special bike stations. We don’t use bicycles, because it’s quite dangerous to ride them in London: there are few special paths, accidents happen.

      There are six airports in London. The largest are Gatwick and Heathrow, but there are also smaller airports where many low-cost airlines fly from. Although they are considered to be London ones, it takes a long time to get to them. There is also City Airport – a small airport within the city. It is used mainly for business flights, there is even a Bloomberg terminal there.

      All London airports

      Wheelchair space on the London Underground

      Medicine

      Medicine is free in the UK. It is the responsibility of the local health system – National Health Services, NHS. For people from Russia, this system seems like a nightmare at first. But if you are a generally healthy and not suspicious person, you will be comfortable.

      The main principle of the UK medical system is economy. Personally, I have been lucky so far: I received all referrals on all issues that I came with.

      The number one medicine used by local doctors is paracetamol. It will be offered to you absolutely with all complaints. Half the time it actually works. At the same time, in complex and serious situations, you receive support to the maximum and most often absolutely free.

      /best-countries-ever/

      Top 10 countries for migration

      In the UK, you cannot make an appointment with a narrow specialist – you must first see a general practitioner. He will listen, look at your symptoms on the NHS website, and most likely prescribe paracetamol. If he decides that you need special assistance, he will issue a referral. The problem is that an appointment, even for acute pain, can be prescribed in a week. For such cases, there is an emergency department right in the hospital. You can spend up to five hours in the queue, but then the patient will be examined and given recommendations on what to do next.

      Ambulance arrives only in the most urgent cases. Usually you have to go to the hospital on your own.

      In such a hall waiting for a doctor’s appointment

      It looks like the children’s department of the hospital

      Paid health insurance in the UK makes sense in two cases. First, you need to get to the appointment as soon as possible. Then you go to a paid general practitioner. An appointment will cost around £100⁣ (R8300), but a referral can be given quickly. The second case is if your teeth hurt.

      NHS dentistry in the UK is poor and free materials are poor quality. Dental treatment in private clinics is expensive. My husband had a severe toothache. For the removal of the nerve and cleaning the canal of one tooth, he gave 900 £⁣ (75,000 R) – 600 £⁣ (50,000 R) of this amount was eventually covered by insurance. Moreover, at the appointment, the dentist showed the husband an x-ray and offered to choose on his own which tooth he wants to treat.

      /emigrant-expectations/

      Emigration: expectations and reality

      Since then, we prefer to treat our teeth in Moscow: cheaper and better.

      Pregnancy and childbirth

      I moved to London at 24 weeks pregnant. I immediately registered with a general practitioner, asked for a referral to a certain hospital, and a week later I was already at the first appointment at the hospital.

      In the UK, pregnancy is not considered an illness. For all nine months, an average of two screenings, one ultrasound and several visits to the obstetrician are done. You will only go to the doctor if there are deviations from the norm. The obstetrician asks questions about well-being, measures the stomach, takes tests. Sometimes he asks if there is depression or domestic violence. With it, you write a detailed birth plan, which the staff will be guided by in the process.

      The doctors suspected I had gestational diabetes, and the observation immediately became intense. I had to prick my fingers and keep an eye on sugar, although in Russia I was considered healthy with the same indicators. All medicines, dentistry and eye examinations during pregnancy and the first year after childbirth are free.

      Prior to giving birth, you can enroll in courses for future parents – National Childbirth Trust, NCT. They are paid, but popular, as you can meet the same parents as you. There are free courses at the hospital, but only for those who have their first child. I went to a general medical course and a breastfeeding course for free. Due to the short maternity leave, many women in the UK prefer to formula feed their baby right away. According to statistics, only 34% of children receive breast milk by 6 months of age.

      Prices for NCT courses in the UK

      Childbirth in London is free. There are, of course, paid options – childbirth for £9,000⁣ (750,000 R) with champagne, oysters and an ambulance that will take you to the city hospital in case of complications. You can pay for a private room in a regular hospital, but whether it will be free on the day of your birth or not is unknown. In our clinic, a room cost about £800⁣ (R67,000) per night. We decided to stay in the common room and not pay anything.

      The child does not receive automatic citizenship, as in the United States, in the UK.

      This is what post-natal wards look like in the maternity ward of hospital

      There are no maternity hospitals in the UK. Usually this is just a wing of the hospital, which has a labor ward – wards where medical supervision is required, and a birth center – wards for natural childbirth. Sometimes a view from the window is attached, for example, of Big Ben, as in St. Thomas Hospital. You can give birth in any clinic, the main thing is to send a referral through a general practitioner in advance.

      Since the NHS system is designed to save money, on the day of delivery, they do not accept immediately. My husband called the hospital three times before they allowed me to come. By that time, my water had already broken for 12 hours.

      0 Р

      I paid for the birth in London

      Also, due to economy, at first you will be offered to give birth without anesthesia, but you can insist on your own. First, they will give you gas to breathe, then put a dropper. There are no “own” doctors and midwives in the hospital, during the birth shift I had three midwives, and the doctor came once. Obstetricians also take delivery, doctors perform a caesarean section and put anesthesia. You can pay for a private midwife or find a doula.

      Someone is discharged on the same day, but I was in bed for three days on the testimony. If the doctor sees danger, they won’t let you go. There is no extract, as in Russia – they just cut off the safety bracelet and check the availability of a car seat.

      This safety bracelet is worn on all newborns

      Children

      Raising a child in London is comfortable, it is a very family city in general. But the older the child, the higher the costs.

      Children’s health care is free. Until the age of 2, the child is observed by a health visitor – a specialist like our patronage nurse. He comes to your house several times, then you have to go to checks on your own. You will be given a red book – a health card. All medical manipulations that are carried out with the child, including vaccinations, are recorded there. There are no checks by a neurologist and ultrasound, even a pediatrician, if there are no complaints, you will not see it.

      0 Р

      children’s health care costs

      It is inexpensive to dress children in the UK, especially if you buy things on sale. Charity shops are also widespread – shops where people bring their good things and they are sold at very low prices. All proceeds go to charity.

      There are many activities for young children in the city, there are inexpensive or even free. I go to the local library where they have storytelling sessions for children under two. But for older children, mugs and sections are much more expensive. Then I plan to take the child to a Russian kindergarten and school at least once a week.

      This is what the “red book” looks like – a child’s health map A place for children to play together stay and play

      You can go to kindergarten from the first months of a child’s life. But only from the age of three, each parent has the right to 15 free hours per week. Until this age, everything depends on the budget. On average, 50 hours per week in kindergarten will cost about £330⁣ (27,260 R).

      There are also cheaper options, such as childminder – a person who is ready to look after your child during the day. Sometimes it’s just another mother with her child. Usually such specialists have no more than four children in a group, this is regulated by the state. Childminder services are slightly cheaper than kindergarten: 50 hours per week – 300 £⁣ (25,000 R).

      Babysitters. Regular babysitting costs range from £12-⁠15⁣ (R990-⁠1237.5) per hour. This activity is also regulated by the state. It is important for parents to know whether they have to pay taxes for a particular nanny or whether she does it herself. If independently, then the price increases in proportion to taxes. There are also au pairs, operas – students who come to London, live with a family and help look after a child. A student needs to be given about £80⁣ (6700 R) per week for out of pocket expenses.

      /aupair/

      How can a student go to live in Europe and earn money

      While I am on maternity leave, we do not hire a nanny. But I plan to go to work, and it will be necessary to think carefully whether I will work in the red, since the services of a nanny or a kindergarten in London may not cover my salary.

      Schools

      The UK has a complex education system. Often, the life path of a child depends on the choice of school. Some kindergartens and schools enroll children immediately after birth.

      Education consultants are often hired to sort out the issue of choosing a school. One session can cost around £300⁣ (25,000 R), but it is an investment in the child’s future. Some mothers gather in groups by district and take one consultation for several people. I already went to such a seminar for £20⁣ (1600 R).

      There are private and public schools. The latter are divided into ordinary and grammar schools – schools for gifted children. Many people want to go there, because they are free, and the quality of education is at the level of private schools. Sometimes people invest in a private school in order to later transfer their child to a free grammar school. Since schools are tied to districts, families often move before a child enters.

      Private school in London does not mean high quality education. You need to study the rankings of schools, check the reports on the Ofsted website, see where the graduates of a particular educational institution go. Exams in British schools are more frequent than in Russia. Children go to school from the age of 4. Many private school entrance exams test a child’s thinking, not academic results.

      450,000 R

      costs an average trimester at a London private school

      Tuition at a private school in our area is £5,500⁣ (R454,440) per term.

      Products

      Since we moved, we have eaten at home more often. We spend about 100 £⁣ (8300 R) per week on groceries. We chose not the cheapest supermarket and go to Waitrose, but we liked the quality of the products there most of all.

      London has an unspoken gradation of supermarkets. The cheapest ones – Asda, Coop, Lidl – it’s like our Auchan. Medium – Sainsbury and Tesco, like “Crossroads”. Above average supermarkets are Marks & Spencer and Waitrose, analogues of our ABC of Taste. For gourmets, there are departments in famous department stores such as Fortnum & Mason. Russian products can be bought at Budgens or Panzers – these are supermarkets with products from all over the world.

      Almost all supermarkets have a huge shelf with ready meals. In the UK, ready-made cuts of fruits and vegetables, salad preparations and dishes for quick baking in the oven are very popular. There is also always a stand with fresh seasonal flowers at reasonable prices, but the choice is small. Almost everywhere there is a shelf with discounted goods that are expiring. Many supermarkets have self-service checkouts.

      Receipt for a standard grocery basket Our grocery set

      Before the holidays, you can order a menu in large stores: a semi-prepared set of dishes for a certain number of guests. Fast, convenient and no need to think. Before Christmas, we ordered a set for two.

      On certain days, usually weekends, there is a local market in each district. Vegetables and fruits are fresh there, but not always cheaper than in supermarkets. Expats are often intimidated by the opening hours of stores, but in reality there is always at least one convenience store in the area.

      8200 R

      we spend on average on groceries per week

      A lot of people order groceries online, we are no exception. Starting from a certain amount, delivery is free, but its time must be booked at least a few days in advance. The order is stored in your personal account, it can be edited until the evening before the scheduled delivery date. One day we forgot to make changes and we received an order identical to the previous one. Now we have 4 kg of couscous and 6 identical packs of crackers.

      Cafes and restaurants

      There are establishments in London for every taste and budget, although on average a trip to a restaurant for two will cost about £100⁣ (8300 R) along with alcohol. In our opinion, the British have their own cuisine rather boring, but the choice of national cuisines of the world in London is very wide.

      There are many chain coffee shops for snacks. In addition to the classic Starbucks and Costa Coffee, Pret and Eat chains are very common in London. You can buy sandwiches, salads and coffee there, and the waiting time in line will be no more than two minutes. From fast food we like Leon, from chain bakeries we like Gail. McDonald’s in London is completely inedible, but for comparison, I will give the cost of an ordinary hamburger – 0.89£⁣ (74 R).

      Our family has a tradition: on Sundays we go to the city for breakfast. In London, in all areas there are so-called high streets – these are streets within walking distance with cafes and shops. Every time we choose a new place for breakfast on such a street. This tradition costs us about £30⁣ (R2500) a week.

      2500 R

      we spend on average on Sunday breakfast in cafes

      If you love fine dining, there is a wide choice of restaurants in London for you, including Michelin stars. A set in such restaurants costs about 130 £⁣ (11,000 R) per person without drinks. In London, it is advisable to book everything in advance, especially tables in popular establishments.

      West London Sunday Breakfast

      Entertainment

      London entertainment for all tastes. Almost all museums are free. In addition to rich permanent exhibitions, major exhibitions are regularly held.

      Museums often offer different programs for children, some have special free quests to keep the child interested in various puzzles. It is a norm to come to a museum with small children, almost everywhere there are children’s rooms or at least changing tables, and in museum cafes there are always children’s chairs. Sometimes there are places for wheelchairs and separate elevators. I often go to the Tate Gallery, the Victoria and Albert Museum, the Natural History Museum and the National Gallery.

      For those who want to save money on museums, there is a membership system in the UK. There are general membership systems – National trust and Art Fund: pay a certain amount per year, and in return you get discounts on tickets, visits to museum cafes and shopping in stores. We bought an Art Fund, for a family such a membership costs 115 £⁣ (9500 R) per year.

      /london-one-day/

      What to see in London in one day

      There are also separate museum memberships. They imply various privileges in a particular museum. I have a membership in the Victoria and Albert Museum, according to which all exhibitions are free for me. The cost of one ticket to the exhibition is 22 £⁣ (1800 R), membership is 70 £⁣ (5800 R) per year. Considering that exhibitions are held frequently, my card pays off quickly.

      A cinema ticket in London costs about £16⁣ (R1300). Again, there is an option to take a club card if you go to the cinema often. I go to morning sessions for mothers with children up to a year old.

      My son and I at the cinema

      London is also surrounded by many amusement parks. The most famous: the studio where Harry Potter was filmed – tickets cost £45⁣ (3700 R) per person and sell like hot cakes. There is also, for example, Legoland, a ticket costs 29 £⁣ (2500 R).

      Theatres, musicals, ballet or opera will cost £50-⁠70⁣ (R4100-⁠5740) at best. You need to buy a ticket much in advance. The atmosphere in the theaters is democratic, no hairstyles and floor-length dresses. In some theaters, you can bring a glass of champagne or a glass of cola into the hall. Often there is no wardrobe that we are used to, but the quality of performances exceeds all expectations.

      Services

      In the UK, a high price for a service does not guarantee high quality. First of all, this applies to the beauty industry and various types of repair work.

      In the field of beauty, a Russian woman has a hard time: an unedged manicure costs 30⁣⁣ (2500 R), a pedicure costs 45⁣⁣ (3700 R), eyebrows costs 25⁣⁣ (2100 R). At the same time, the quality can be such that you don’t want to return to the salon. My brow hike ended up with asymmetrical brows. Even my husband asked what was wrong with them, and if a man noticed this, it was definitely a failure. After that, I decided to look for all the specialists through a group of Russian mothers in London – a source of verified contacts of any kind.

      2000 Р

      It costs an average to go to an eyebrow specialist in London. But it’s better not to do this

      Not the most competent employees work in the field of repair either. One day our boiler broke down. The hostess called a plumber and promised to fix the problem on the same day. A man came to us in a branded car, spent five minutes with us, twisted something and left. The water really turned on, but only cold. The next day, the plumber came to us again. Hot water turned on, but cold water turned off. The problem was solved for a total of a week, each visit of a specialist cost 100 £⁣ (8300 R).

      My friend’s boiler broke down on Christmas Eve. Because of the holiday, she was offered an emergency call service for £200⁣ (R16,600). As a result, my Russian friend repaired the pipes and the boiler with her own hands after watching a video on YouTube.

      Prices for the services of one repair company

      An hour of cleaning costs an average of 10⁠—⁠15 £⁣ (830⁠—⁠1245 R). Because of the love of the British for carpets, the carpet cleaning service is popular here. It costs about 240 £⁣ (20,000 R) for a move to a two-bedroom apartment. Many windows in houses cannot be washed on their own, because they either do not open at all or open outwards. For washing five such windows, we paid £45⁣ (3800 R).

      But the London sports industry is doing well. A subscription to a local gym costs from £30⁣ (2700 R) per month, the amount depends on the classes. Near our house there is a large municipal center with a swimming pool, a fitness room, group classes for adults and children. Our child goes swimming once a week for which we pay £22⁣ (R1800) per month. If you want to work out on your own, the center has a children’s room where you can send your child for 2 hours starting from 8 months.

      1000 R

      average cost of group exercise in the park

      Many people in London run or play sports outdoors. For lazy athletes, group classes are held in the park: a lesson costs £12⁣ (1000 R). There are special sports groups for mothers with prams and free activities in the park.

      Travel

      Traveling from London is very easy. While the child is small, we go to Europe. We buy tickets from Ryanair and Easyjet low-cost airlines. Even with luggage for a child – a stroller and other things – it comes out inexpensively. In addition, these low-cost airlines simply have a huge number of flights and it is easy to choose a convenient time.

      When buying tickets, you need to be careful and check the airport of departure and arrival. One day we bought tickets to Southend Airport. Then it turned out that on this day it was Easter and trains from the airport to London would not run at the right time. I had to book a hotel at the airport.

      When buying cheap tickets, you need to take into account the cost of transfer to the airport. A couple of months ago I flew to Copenhagen. Tickets cost 90 £⁣ (7500 R), but the departure was at 7 in the morning. There were no trains, so I had to take a taxi and pay another £80⁣ (R6700) for it – almost the same as for an air ticket.

      On weekends, we also occasionally travel around the UK or Europe. We don’t have a car, so we use public transport. All the trains we traveled on had special places for wheelchairs and changing tables. At airports, everything is also well thought out for parents with children. In Gatwick, for example, you can buy an award pass for £7⁣ (590 R) per person and skip the checkout line. However, we have never used it yet, as the employees let us through with the child anyway.

      /european-country-test/

      Which European country would you like to live in?

      This summer we plan to go on a trip by car, but for this you need to get a local license, since Russian licenses are only valid for the first year of life in the country. Now my husband and I are in the process of retaking our British driver’s license. This is a topic for a separate large article – perhaps someday I will write it.

      We have the lightest stroller that is taken in hand luggage. Such strollers are popular in London

      Weather

      Contrary to popular belief, it doesn’t rain that often in London, but there is quite a lot of sunshine. It’s all about the sea climate and the constant wind that drives the clouds over the city. It rains in the morning, and in the evening it may well be sunny. This also works in reverse, so it’s best to always bring a warm jacket with you.

      It is usually not hot here in summer, although in 2018 we endured +30 °C for a month. The city is not at all adapted to this: there is nothing to breathe in the metro, and the number of air conditioners can be counted on the fingers.

      There is almost no snow in winter, and if it does, then it lasts for a maximum of a couple of days. This, of course, greatly simplifies life in terms of walking with a stroller. There is still no need to have special warm clothes and shoes in case of frost, and this also simplifies life.

      Snow in London Wisteria blooms in spring

      Results

      It can be cool and interesting in London, it can be cool and interesting in Moscow — it can be cool and interesting everywhere if you are a professional and openly look at the world. If you decide to move to another country, remember that all cockroaches will move with you.

      We like London and don’t feel any discomfort from moving. If you share the value system of the country you are moving to, adaptation will be easier, if you speak languages, even better.

      We are staying in London for the time being, but we do not rule out moving in the future. Our child will speak two languages, which is a plus for us. But we will rather instill Russian culture in our son: he will absorb the local one when communicating with peers.

      We do not plan to return to Moscow in the near future, but we regularly fly to visit our parents.

      What else to read about emigration

      Dozens of articles about life in other countries have been published in T-Z. We collected them on one map:

      We announced the cost of housing in different areas of London. How do you like the “square” for €25,000?

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        Publication period:

        • For the entire period

        • September 12, 2019
        • Author:
          Victoria Zakirova


        • 1400

        Researchers have studied which areas offer the most spacious houses and apartments, and where it is most expensive and cheapest to buy.

        What is the point. Based on official statistics, the London-based Attic Self Storage company has calculated the average area of ​​various types of real estate in 32 districts of the British capital, PIT reports. As it turned out, in London as a whole, the average price of residential property is €735,140. The average cost per square meter is €9060.

        The most expensive and cheapest areas. Some of the findings of the study are quite expected. In the list of the most expensive areas, Kensington and Chelsea Borough are in the lead, where a square meter costs around €24,400. If you move east, the amount will decrease. A square meter in Barking and Dagenham, for example, costs €4,390, the lowest rate in London.

        London is conditionally divided into northern and southern regions. And the northern ones are much more expensive. In Islington, for example, buyers will pay €12,630 per square meter on average. But in the south, in Lambeth, a “square” will already cost €9450.

        The most spacious houses. Meanwhile, the largest residential properties in the British capital can be found in the green Richmond on the Thames: the average area is 100 sq.m. At the other end of the spectrum is Merton, where the average property size is 62 sq.m.

        The most spacious housing is in the nearest suburbs of London. Inner city properties such as Hackney, Islington and Southwark tend to be smaller. The only exception to this rule is wealthy downtown areas such as Kensington and Chelsea, Hammersmith and Fulham, where houses and apartments are on average 20 “square” larger.

        Read also. Meanwhile, home sales in the UK continue to fall.

        Here’s what you can buy in London now:

        €32,675,000

        Mansion in London, UK

        1492 m 2

        UK
        London, Hampstead
        Luxurious mansion in a prestigious area
        Luxurious mansion in Hampstead – an elite fashionable area in north London.
        Many very rich people, sports and show business stars live in this area of ​​London.
        Guarded fenced area.
        Land area 2025m2
        Mansion area 1492m2, 4…

        INDOM

        6 820 904 €

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        94 m 2 3

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        Apartments in a modern complex
        Beautiful modern style apartment in the center of London next to Hyde Park, in the Knightsbridge area.
        The apartments are located on the second floor in a unique complex
        with underground guarded parking, concierge services 24 hours a day, security, gym,…

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        9 890 310 €

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        146 m 2 3

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        Apartment next to Hyde Park
        Excellent apartment on the second floor in the side of the house in one of the best residential complexes in the heart of London – Knightsbridge area, next to Hyde Park.
        Apartment area 146m2: hall, living room, kitchen, 2 bedrooms with private bathrooms, 1. ..

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        1,792,000 €

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        UK
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        Apartments in Knightsbridge

        Duplex apartment with a unique location: 3 min walk to the center of Knightsbridge with numerous restaurants and cafes, 500m to Sloan Square, 1 min walk to Knightsbridge boutiques and designer shops on King’s Road.
        Excellent…

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        Apartment in Kensington

        Apartment on the 5th floor in an amazing, very popular modern residential complex with an excellent location: next to the Olympia Exhibition Center, a few minutes walk to Brook Green with a large children’s playground and 4 tennis courts; very close to…

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        Wonderful bright apartment on the 4th floor of a historic building on a very popular street next to Gloucester Road with a lot of shops, cafes, restaurants, 640m from Kensington Gardens, 370m from Gloucester Road underground station (connection of three lines. ..

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        1

        Luxurious skyscraper just minutes from the City with panoramic views of the Regent’s Canal. , within walking distance of downtown London and trendy and creative Hoxton, Clerkenwell and Shoreditch, and…

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        1 214 357 €

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        The new club house of 17 apartments is located in a privileged area of ​​London Fitzrovia. In the early 19th century, it was home to English bohemians, including Bernard Shaw, Virginia Woolf and Arthur Rimbaud, and is now home to the most fashionable restaurants, exclusive designer boutiques and showrooms, as well as offices of famous companies and one of…

        Knight Frank

        22 247 000 €

        Mansion in London, UK

        1333 m 2 7

        ID: 12824 Stunning, newly built luxury mansion with a total area of ​​1333 sq. m. This masterpiece is located on Ingram Avenue, a very popular green street in the suburbs of Hampstead Garden, where you are guaranteed absolute privacy. The mansion is within walking distance of the Turners Wood Bird Sanctuary, as well as Kenwood House and…

        Russia Sotheby’s International Realty

        Price on request

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        74 m 2 3

        ID: 13995 Luxury apartment ready for immediate occupation! Brand new and spacious 2 bedroom apartment on the border of Pimlico – Belgravia – Chelsea. Open plan living room with balcony, bespoke kitchen with underfloor heating, equipped with Siemens appliances. Triple glazed windows, CCTV surveillance system,…

        Russia Sotheby’s International Realty

        1 109 990 €

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        61 m .
        Over the past decades, Canary Wharf has become one of the most popular and promising areas of London – a heyday of innovative technologies, business and culture, the center of. ..

        Russia Sotheby’s International Realty

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        55 m 2

        ID: 28539 Townhouses and apartments with balconies in 3 residences in a park area near the center of London. Residents have access to concierge service, a gym and a landscaped garden. The price of townhouses and apartments includes parking spaces. The project is within easy reach of the City, West End, tube stations and major London airports.

        Russia Sotheby’s International Realty

        Price on request

        Penthouse in London, UK

        205 m 2

        ID: 28667 Penthouse on the 9th floor of a new residence in the center of London. Layout: 3 terraces, living room, dining room with kitchen, office, 3 bedrooms with bathrooms (2 with dressing rooms), pantry, second kitchen. The residence has a gym and 24-hour concierge service. Walking distance to Moorgate and Barbican metro stations.

        Russia Sotheby’s International Realty

        Price upon request

        Apartment in London, UK

        460 m 2

        ID 28765 Apartment, 460 m², 3 bedrooms. Layout: 2 bathrooms, 3 bedrooms.

        Price on request

        House in London, UK

        248 m 2

        ID 28774 House, 248 m², 3 bedrooms. Layout:, 2 bathrooms, 3 bedrooms.

        Russia Sotheby’s International Realty

        Price upon request

        Cottage in London, UK

        1026 m 2

        ID: 28835 House, 1026 m², bedrooms: 7. Layout:, bathrooms – 7, bedrooms – 7.

        002 Russia Sotheby’s International Realty

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        Cottage in London, UK

        911 m 2

        ID 29072 House, 911 m², bedrooms: 5. Layout:, bathrooms – 5, bedrooms – 5. Building: modern.

        Russia Sotheby’s International Realty

        Price on request

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        48 m 2

        ID 31863 Studios and 2-4-room apartments with balconies in a residential complex in the heart of London. To services of residents: concierge 24/7, spa with jacuzzi and sauna, swimming pool, gym, private cinema, business lounge, hotel, parking, landscaped gardens. Quick access to City, Canary Wharf, Docklands and South Bank, schools, theatres, restaurants, stops…

        Russia Sotheby’s International Realty

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        92 m 2

        ID 32782 Whitechapel residence with 1-3 bedroom apartments and penthouses. There are 3 interior finishes available. The apartments are equipped with Siemens household appliances. In the residence: 24-hour concierge, a cinema for residents of the residence, a wellness center with a swimming pool, gym and spa, a park and recreational areas. Residence…

        Russia Sotheby’s International Realty

        330 553 €

        Apartment in London, UK

        38 m 2

        ID36312 One of London’s most ambitious regeneration projects in the Ealing area. The residential complex is ideally located between the city and its environs on a vast rural area of ​​90 acres with elegant parks and gardens.
        The location has good transport links: 17 minutes to the city center, 14 minutes to Paddington Station and 8 minutes to…

        Russia Sotheby’s International Realty

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        What is Freehold & Leasehold?

        Contents

        Contents

        LonGrad

        Understanding English land law

        LonGrad

        Features of owning property in England: what is Freehold & Leasehold?

        Dealing with English land law

        In the West, two main approaches to problem solving prevail. The first is American, where “everything is for a person” and life is so simple that sometimes it even becomes sickening. The second is English, where there are a lot of things not only contrary to common sense, but also make you think about the eternal and sometimes ask yourself: “Is it possible that the nation that was responsible for most of the world’s GDP at the beginning of the 20th century could not adapt to the realities of our time and lives in the century before last?

        When I first encountered English land law and the division of land ownership in England into Leasehold and Freehold, it was not enough to say that I was unpleasantly surprised – in truth, I had to doubt my intellectual abilities for a minute. Of course, over time, you can become an expert even in quantum mechanics, and now, as you may have noticed, I am writing articles on this truly interesting topic. But for those who have not yet gone through the “legal acclimatization”, I will try to speed up this process and explain briefly what you should know before buying property in England.

        It is worth noting that I could not find a decent translation for these two very conceptual concepts – Freehold and Leasehold. All attempts to find a Russian analogue or an understandable technical translation ended in failure, and in addition to laughter, they also make me feel ashamed for the scarcity of our legal vocabulary. Therefore, I apologize in advance to those Russophiles who cannot stand Anglicisms and their use in their native speech.

        Digging deeper into English land law (Land Law), you will discover an amazing fact – the basic concepts here have not changed since the time of William the Conqueror, when in 1066 he laid the foundation for a system that the British are sincerely proud of, and foreigners sincerely do not understand. Theoretically, all land in England and Wales belongs to Her Majesty Elizabeth II, and all other mortals have only the unconditional right to use this land and the buildings that are on it. Freehold is a form of real estate ownership very similar to world practice, and therefore, by buying a freehold house (apartments are never freehold), you become, in our understanding, a full owner and can do whatever you want with it, if only the local government does not was against (believe me, they will). The bureaucrats who proudly call themselves the Planning Authorities and are responsible for preserving the uniqueness of English architecture do nothing but turn the lives of developers and ordinary residents who want to renovate their house, figuratively speaking, into hard labor with great pleasure.

        In theory, all land in England and Wales belongs to Her Majesty Elizabeth II

        Of course, not everything requires a permit. For example, if your house in England is not on the English Heritage lists (i.e., it is not an object of special national interest), then you can safely, without any permission, break down interior walls, change windows, or even add a greenhouse (provided that it, in depending on the type of house, does not exceed 10 or 15% of the total area thereof). How houses get into these lists is a separate topic for subsequent articles, but as soon as your house gets Listed status, and God forbid, Grade I Listed, then it’s time to remember elementary school. You will need permission for literally everything: redevelopment, change of windows, doors, any kind of renovation. Even repainting the house in your favorite pink color without official permission is fraught with a fine and a strong recommendation to return the house to its previous color scheme. Sometimes this seems like sheer absurdity, although, looking at the unique character of some areas of London, you undoubtedly understand that even if their sometimes paradoxical decisions contradict all the laws of formal logic, they are certainly in the interests of society and the language will not call them unreasonable.

        There are many nuances about freehold ownership that you will definitely hear from your lawyer, but if you decide to buy or have already bought one, then you can safely apply all your knowledge and experience gained over many years of owning housing in other countries and in most cases, don’t miss it.

        English Land Law – Leasehold or a step to the left and you have nothing to lose

        Leasehold can be apartments, houses, plots of land or entire villages. Until 2002, it was possible to own an apartment only on the basis of long-term lease agreements (lease / lease), which means that the expression – I own an apartment, was technically incorrect 18 years ago. And now, at 99.9% of cases, if you still decide to buy an apartment, then most likely it will be a leasehold and the owner, from a legal point of view, you still won’t.

        Leasehold is similar to our system of long-term rental of living space, with the only difference being that you pay at once and much.

        By definition, buying real estate on a leasehold basis, you become the full owner of a document called a long-term lease agreement, which in turn gives you the exclusive right to temporarily use and occupy the space located inside that same apartment or house in England. No more. The lease agreement can be concluded for any number of years, whether it be 22, 55, 121 or even 999 years, and you have to pay for the entire period in advance. To help you navigate the situation, I will say that for 50 years of exclusive use, a leasehold can expect to lay out about 75% of the cost of a freehold house. For 25 years – about 55%. For 10 years – about 35% (in all cases +/- 10%). Leasehold houses with 90 or more years of use in the contract are called virtual freehold for the simple reason that they are almost equal in cost to freehold houses.

        Do not be surprised, but you will not own walls, floor, or ceiling. All this is owned by the landlord or freeholder – the one to whom you have paid for the exclusive right to be in the aforementioned premises and, most likely, but not always, have pledged to pay an annual ground rent (Ground Rent) in addition, which can vary from £ 25 to £ 500 in a year, but in rare cases can reach £10,000-£50,000 a year, for multi-million mansions in Chelsea and Belgravia. If you want to demolish a couple of walls or change windows, you need the permission of that same landlord. If you suddenly decide that you will no longer pay him land rent, you may soon find yourself in the position of “without a special place of residence”, since the law allows the freeholder to take away the right to use the premises from you if you do not pay the agreed amount of money.

        If you take a closer look at leasehold, you will understand that it is similar to our system of long-term rental of housing, with the only difference being that you pay a lot at once. Yes, and you have an order of magnitude more rights than an ordinary tenant, but at the same time, an order of magnitude less than a full owner. In addition, as mentioned above, you have no other choice, unfortunately. Perhaps it is quite appropriate to recall the expression of our ancestors, de gustibus non est disputandum – they don’t argue about tastes, and therefore, if the British have nothing against such a system, we will also have to put up with it and, with a sweet smile, buy a leasehold apartment.

        All that glitters is not gold

        So what should everyone who wants to buy real estate in Foggy Albion know? Two simple truths:

        Freehold is freehold and carries the same meaning as owning real estate in any other country.

        Leasehold is a right that gives you exclusive ownership of real estate for a specified period of time and usually for a nominal annual ground rent.

        The price of a leasehold real estate falls over time, as every year there are fewer and fewer years left on the lease agreement. If you do not take the necessary measures and do not renew the lease, you can lose all rights to use this property. Although, if there are 100+ years left on the contract, all this should not really worry you, at least in the next 15-20 years.

        Roman Grigoriev

        Founder of LonGrad, the first Russian real estate specialist,
        qualified Chartered Surveyor

        Read more of Roman’s articles about the features of the real estate market in London and England.

        Who should I contact when buying property in London? Information for those who want to buy or sell property in England.

        Useful information for those who want to profitably buy or sell property in England.

        Why is real estate in London so attractive to wealthy Russians? Reasons why Russians buy property in London.

        Real estate in London has been, is and will be in demand among Russian buyers, despite the difficult relationship between the governments of these two countries. Six reasons why Russians buy property in London.

        Read more of Roman’s articles about the features of the real estate market in London and England.

        What are branded residences and how will the coronavirus affect the branded residence market?

        Who should I contact when buying property in London? Information for those who want to buy or sell property in England.

        Why is real estate in London so attractive to wealthy Russians? Reasons why Russians buy property in London.

        Mortgage in the UK

        How to get a mortgage in the UK for a Russian citizen

        Mortgage availability: how much can I borrow for a mortgage in the UK?

        How much can I borrow to buy property in England, Scotland, Wales and Northern Ireland in 2021-2022?

        What factors affect the size of a loan in England? What are the risks of borrowing? We answer these and other questions. Banks and building societies are accustomed to calculating mortgage loans on one simple factor. Your income. But regulatory changes in recent years have made things a little more complicated. Today, UK mortgage lenders consider a number of factors when deciding how much money to lend to you.

        But first, it is important to understand the lending process.

        VisaSales.Ru

        Let’s start with the basics.

        UK mortgage affordability for Russians describes how much money a person can afford to borrow from banks and building societies for a mortgage. And how much they can afford to return each month. One of the first steps in obtaining a mortgage loan is to assess the affordability between the potential buyer and the lender. During this process, your lender determines how much you can afford to borrow. They also carefully check that you have the funds to pay your monthly mortgage payments during the term of the mortgage. During the mortgage eligibility assessment, the lender will ask you to verify your total income annually. They will most likely want to see pay slips and your P60 form. Be sure to tell them about any extra income on top of your regular salary. You also need to list your expenses in full. They are deducted from your income to estimate how much you can afford to borrow.

        Key factors that creditors and Britain Banks take into account 2021-2022

        when calculating the availability of mortgages British creditors take into account:

        Your income

        Your main expenses

        Discretion costs

        Future interest rates

        The amount of your deposit

        Your age

        Your credit score

        Your income

        Your income remains the key factor lenders consider when assessing how much you can afford to borrow against a mortgage.

        As a general rule, UK lenders usually advance your household income by 4-4.5 times.

        So, without spending, people with higher wages should be able to borrow more than those with lower wages. This is known as the “higher income multiplier”. The logic behind this is that people with higher salaries are more likely to be able to pay their mortgage payments. These calculations are primarily focused on your regular monthly income. Although some lenders take into account overtime, bonuses and commissions.

        VikiVisa.Com

        Your income is only one side of the coin that lenders consider when deciding how much to lend you.

        Banks and building societies in England and Scotland want to make sure you can actually afford the repayments. Not only on paper.

        So they also look at your basic expenses.

        Some important expenses include:

        Heating bills

        School fees and child care

        Electricity

        Food

        Travel expenses

        Car maintenance

        Creditors calculate how much money you have left after you have paid all your basic expenses.

        Discretionary spending

        Availability calculations don’t end with your substantial spending.

        Lenders also want to know how you spend your money in other areas.

        They check how much you spend on less “important” but no less important things.

        These may include:

        Gym membership

        Entertainment program

        Eating out

        vacation

        shopping

        Other minor travel

        before your expenses are usually covered apply for a mortgage. So before applying for a mortgage, you should study your financial indicators. The purpose of this is to make sure you can afford the payouts while continuing to live your current lifestyle. Remember that the lender is out of funds if you cannot pay the debt.

        Mortgage lenders need to be confident that you can pay off your mortgage if interest rates rise above the Average Standard Variable Rate (SVR). This is known as “stress testing”. Each lender sets its own Standard Variable Rate (SVR). Since the average SVR is around 3.85%, the amount you pay out each month can increase by around 8%.

        This part of the availability check can make a big difference in how much you can borrow.

        UK lenders not only think about future affordability in terms of interest rates, but they also consider it in relation to your future expenses. For example, if you are pregnant or have small children, your lender must be sure that you can afford childcare in the future on top of your current expenses. The number of children you have also matters because lenders factor this into their affordability calculations. They look at potential school fees, future university funds and family vacations.

        Your deposit amount

        Affordability isn’t the only factor lenders think about when they decide how much to lend you. Banks and building societies in the UK also calculate the amount of your mortgage deposit. In general, borrowers with large deposits are considered to be less risky. This is because a larger deposit means you will need to borrow less. The larger your deposit, the lower the loan to value ratio (LTV). England’s lenders are more likely to give you a larger loan if you borrow less of the value of your property.

        Your age

        Your age also plays a role in how much mortgage you can get. Lenders want to make sure you can pay back what you borrowed before you retire. This means they are less likely to lend large amounts to people approaching retirement.

        This is because your monthly income usually decreases after you retire.

        Lenders will check your credit score to decide if you are eligible to borrow money.

        You can check your credit score with a credit reporting agency (CRA).

        VisaSales.Ru

        In the UK you have three different credit scores calculated by three different credit agencies. These agencies are:

        Experian

        Equifax

        TransUnion

        These CRAs collect information about your credit history and use it to create your credit report. They then calculate your score. Not all lenders go to every CRA to inquire about your credit history. This means that one CRA may have information about your credit history and another may not. This can lead to a discrepancy between your three credit scores.

        If you regularly check your credit report for errors, you will avoid the risk of such inaccuracies.

        The biggest risk of borrowing is that you cannot afford to make payments consistently throughout your stay.

        Before you take money, you need to ask yourself important questions.

        Do you have a job guarantee for the future? What are your plans for the future and how will they affect you financially? Are you already in debt?

        If you don’t ask yourself these questions, apply for a mortgage and get rejected, your credit score will be negatively affected.

        VisaSales.Ru

        Are you about to apply for your first mortgage? Make sure you complete these seven things before hitting green and you’ll increase your chances of success.

        When buying your first home, choosing a mortgage is very important, so it’s worth taking the time to get things right.

        Make sure you do these seven things first and you’ll be 100% sure you’re ready for the next step.

        1 . Refer to your debt

        In the past, mortgage lenders typically used a simple calculation of 3.5 to 4 times your salary (or about 2.75 times your combined or “combined” salaries if you bought together) to calculate the amount you could take. But these calculations did not take into account existing debt, so they did not fully reflect how potential borrowers can afford repayments. Since the Mortgage Market Review (MMR) was introduced in 2014, lenders have imposed tighter affordability rules on the use of these “income multiples”. They – quite sensibly – look at what you can afford to repay each month after your expenses and existing debts are deducted from your monthly salary. This includes expenses like house bills, childcare, tuition fees, gym memberships, and even socializing, as well as credit card payments, overdrafts, and loans. Result? The less debt you have, the more you can borrow. So it pays to get all of your finances in the best shape possible to improve your chances of getting a good mortgage offer. This could mean paying off a balance on a card or personal loan, or it could mean cutting spending in some areas to increase the money you have at your disposal each month.

        1. Check your credit score.

        Your credit score lets lenders know how reliable you are when it comes to borrowing money, and a good credit score is a must if you want to get a mortgage.

        To find out where you are before applying, you can get a copy of your report from an agency such as Experian, Equifax, or TransUnion.

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        The sooner you do it, the better – if there are mistakes, you can correct them, and if you have a bad result, this will give you the opportunity to take steps to improve it. Common marks on your credit report include missing information, entries you don’t recognize, or simply inaccuracies – a county court (CCJ) decision that is still on your report even if you paid off your debt within the allotted time, for example. Simple ways to improve your credit score include registering on the voters list, paying your bills on time, meeting your borrowing limits, and closing any credit accounts you no longer use.

        3 . Test the water

        Do this by getting what’s called an in-principle mortgage agreement (AIP).

        This is essentially a letter from a bank or building society stating the likelihood that your application will be accepted and the type of loan amount you may be eligible for, based on an initial assessment of your circumstances. It’s free to get.

        The AIP is normally valid for 60 to 90 days. If it expires before you need it, you can always reapply. Please note, however, that the AIP is only a rough estimate and not an official mortgage offer.

        4 . Contact a UK Mortgage Broker

        While you can now increasingly do most of your mortgage application online, as a first time buyer you may want to speak to a specialist over the phone or even in person. In that case, try an independent free mortgage broker like London & Country. It will compare mortgages across the entire market and help you find the best deal for your circumstances in terms of rate, fees and the likelihood of your application being accepted. Brokers may also have access to exclusive deals known as “brokers only” that are not available directly from banks and building societies.

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        5 . Do your own research

        Confirm the broker’s findings with your own online research on comparison sites like uSwitch.com. It won’t cost you a dime and ensures that you can make your final decision with peace of mind.

        6 . Gather Documents Together

        Whether it’s an electronic or paper copy, there are many documents you can get as part of your mortgage application. This includes a photo ID and six months’ bank statement.

        You will also need to show that you receive a regular income.

        If you are employed, you can do so easily by providing pay slips.

        If you are self-employed, showing your income is a little more difficult. You will need to show the lender your business invoices, signed by an accountant, as well as tax returns. Work for three years, although two may be enough.

        7 . Make one last check that you have the best offer

        Getting a mortgage rate is important – a few percentage points difference can add up to thousands of pounds a year on such a large loan. However, it’s not just about cost. You also need to make the right choice regarding the type of mortgage as this can directly affect your future choice and flexibility. For example, an interest rate tracker is only appropriate if you are confident that you can afford the potential increase in monthly mortgage payments. If you need to budget carefully, a flat rate deal may be the best option as it gives you the confidence that your payouts will stay the same for the agreed period. It is important to note that, in principle, there is no need to feel any loyalty or obligation towards the creditor that issued your agreement. You can scour the entire market from time to time when you eventually move on to re-mortgage.

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        Coronavirus: how to apply for a three-month mortgage holiday in England 2021-2022

        What you need to do to take advantage of the UK mortgage holiday scheme 2021 – 2022. Get Coronavirus:

        latest news and information about real estate

        Homeowners who wish to apply for three months of mortgage leave should contact their lender as soon as possible. The government announced last week that both owner-tenants and homeowners whose finances have been hit by the coronavirus can apply for a three-month break in payments. But soon banks and building societies were faced with a lot of calls from clients trying to apply for the scheme, while many of them were working with reduced staff due to the current situation. As a result, a number of lenders have developed alternative ways for homeowners to ask for vacation pay.

        If you are in immediate financial difficulty and your next monthly mortgage payment is due soon, you should call your lender as soon as possible.

        Due to the high volume of calls they receive, lenders have asked people not in immediate difficulty not to call them, but instead apply online for a grace period.

        For example, Halifax has set up an online application process that promises to send applicants a text message within two to three days confirming whether their request has been accepted.

        Other lenders that have created online applications include Lloyds, Nationwide, Santander and Bank of Scotland.

        To apply online or find the phone number you need to contact your lender, go to their website and look for a link about the coronavirus.

        “It’s such a relief”

        Julie Waddell, who successfully applied for her mortgage leave

        45-year-old Julie Waddell received her mortgage leave the day after the Chancellor’s announcement.

        She lives with her husband Phil, 46, and their two children, aged 15 and 12, in a five-bedroom mansion in South Devon. Julie is the founder of Moorish, a humus company owned by Sainsbury’s, Waitrose and Ocado, and Phil is an osteopath.

        “I called our mortgage company, Furness Building Society, and got it all connected right away. I had to answer very simple details – was it for a residential property, what mortgage account number do we have, could we pay this month when we wanted to get the holiday payment to start?

        “They didn’t ask how the coronavirus affected me. And everything was immediately agreed.

        “It couldn’t have been easier, and it’s such a relief.

        “My husband is self-employed, but he has asthma, so he stopped working before quarantine. Currently, walking and shopping online are driving sales for my food company, but you don’t know what’s next. It gave me real peace of mind.

        “We rent a small townhouse in Northern Ireland where I come from and I have also applied for a mortgage holiday in Halifax. I tried calling but I was 10 million in line so I filled out our details on their dedicated page. You can choose to take a break for one, two or three months from the drop-down menu and simply submit. We are waiting for a text message for confirmation.

        “Both of our mortgages have a fixed term of 20 years, so we have a long way to go before they are paid back. It’s more important for us not to worry now.”

        What information do I need to apply for a mortgage in the UK?

        Before contacting your lender, make sure you have the details of the mortgage, including your account number.

        But you won’t need to prove to your lender that your or your tenant’s finances were directly or indirectly affected by the coronavirus, as lenders allow people to self-certify this.

        How will the deferred payment affect my mortgage?

        Although you won’t have to make payments for three months, mortgage interest will continue to accrue and will need to be paid in the future.

        Different lenders deal with the additional interest that accrues differently: some simply extend the mortgage by three months, while others recalculate monthly payments at the end of the three-month vacation so that these payments can be made.

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        For example, someone who had a £100,000 mortgage in Halifax with an interest rate of 2.75% over a 20 year period would see their monthly payments increase by £6.16 per month to £548 if they take a two-month pay holiday.

        “It was so easy”

        Hailey Newbery, 40, successfully applied for a mortgage.

        She lives in a four-bedroom house in Wirral with her husband, Danny, 42, a self-employed kitchen designer. Hailey is also self-employed and manages My World VIP, a luxury travel concierge service.

        “I didn’t think it would be that easy, to be honest. But as we all know, the travel industry has been really hit hard by the coronavirus and my husband had clients canceling tickets before the lockdown.

        “I called the Coventry Building Society and contacted a very helpful woman directly. I explained that I was self-employed and she couldn’t have been more warm and sincere, not at all robotic. She said she would immediately issue a three-month holiday tied to the term of our mortgage. We only moved last year, so we have 24 years left.

        “Our mortgage is fixed for five years, and she said that usually a break is not allowed, but these were special circumstances.

        “Our next mortgage payment was due on April 1st and has now been cancelled. There were no paperwork to fill out.

        It’s definitely worth applying for.”

        3 Key Findings

        1. Homeowners who wish to apply for three months of mortgage leave should contact their lender as soon as possible.
        2. If you are in immediate financial difficulty and your next monthly mortgage payment is due soon, you should call your lender.
        3. If your situation is less urgent, see if your lender has set up an online application process as the phone lines are very busy at the moment.

        Understanding the Loan to Value Relationship

        If you’re thinking about buying a house and applying for a mortgage, you need to know everything about the loan before the cost. Here is our guide with details.

        What does the loan-to-value ratio mean?

        If you’re thinking about buying a house and applying for a mortgage, you’ll quickly get used to people talking about Loan to Value, or LTV for short. But what does this mean and why is it important?

        Simply put, the loan-to-value ratio is a way of expressing the difference between the value of the house you buy and the amount of money you borrow to pay for it. This is one of the main factors that your bank or building society will evaluate when deciding what rate to offer you on a mortgage. The average cost of a house in England now exceeds £310,000, which means that most people will have to borrow to buy. While it may seem like a daunting prospect, the mortgage lending industry is regulated so that you can safely borrow money and pay it back in manageable monthly payments over a set period.

        Lenders will evaluate your income and expenses before deciding whether to offer you a mortgage.

        Loan-to-value ratio describes how the amount of money you have borrowed compares to the value of your home, usually expressed as a percentage.

        For example, if you want to buy a £250,000 house and have a £50,000 deposit, you will need a £200,000 mortgage.

        £200,000 (mortgage) ÷ £250,000 (full cost) = 0.8

        0.8 x 100 = 80

        The value of your loan will be 80%, which means that the money you borrow is 80% of the value of the property and 20% is wholly yours.

        A £50,000 deposit (available upfront in cash) is described as ‘home equity’ and as the homeowner pays off the mortgage, the home equity will increase.

        Another way to increase capital is to increase the value of the house. We’ll get into that shortly, but for the purposes of this explanation, let’s assume that the value of the home stays the same.

        Now, if after five years you have paid back £50,000 of your loan, your share of the property will increase to £100,000 (£50,000 deposit + £50,000 returned).

        100,000 (new capital value) ÷ 250,000 (whole property value) = 0.4

        0.4 x 100 = 40

        You now fully own 40% of your home and your loan cost will drop to 60%.

        Victorian terraced houses Calculating the cost of a loan when house prices change

        This is where things get a little more complicated. Although you will be making monthly payments at the rate agreed upon when you took out the mortgage, the value of your home is unlikely to stay the same. Homebuyers should be aware that prices can go up as well as down.

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        The average house price in Britain has historically increased over the years. This means that a £250,000 house you bought a few years ago could now be worth £350,000 or more.

        How does this affect the value of your loan? Consider this example.

        You bought a house for £250,000 five years ago, posted a £50,000 deposit and took out a £200,000 mortgage. You paid off £50,000 of your debt, so you now owe the bank £150,000. But over the same period, the value of the property rose to £350,000. This means your loan-to-value ratio has dropped to 43% – a big improvement from 80% when you first purchased the property.

        Falling house prices

        House prices can go down as well as up, and homeowners can be caught taking out high-cost mortgages or even interest-only mortgages on the assumption that house prices real estate will continue to grow. For example, imagine you have taken out a £200,000 mortgage to buy £250,000 at 80% of the loan value, but the value of the property has fallen to £200,000. If you paid £50,000 on your mortgage, you still owe £150,000, but as the value of the property has declined, the loan-to-value ratio is only 75% – only a small amount less than it was at the start.

        Negative Equity

        Consider a family that bought their house for £500,000 with a £50,000 deposit, taking out a £450,000 mortgage, 90% of the value of the loan. They then manage to pay off another £50,000, reducing their total debt to £400,000. The problem is that their house has fallen in value to £350,000 and they now owe more on the mortgage than the property is worth – this is what is called negative equity. The family will now have a problem if they decide to sell their house because selling it for £350.00 means they still owe the lender £50,000.

        The negative also makes it difficult for the family to remortgage.

        For example, if they wanted to switch to a new mortgage lender that offered a better interest rate, they would probably be turned down. They will need to borrow more than the property is worth, and the lender will not be sure that they will get their money back in the event of a default.

        This means that at the end of the original transaction, the family can automatically switch to a costly standard variable rate mortgage – something that does not protect them from further interest rate hikes.

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        New building mansion

        Why is LTV important?

        Loan to value ratio is one of the most important factors in deciding not only whether you can get a mortgage, but also what type of mortgage you can get. Mortgage lenders are understandably careful about who they lend to, and in addition to scrutinizing your income, liabilities, and other assets, they will take into account the potential value of the loan to the value of the property you are offering to buy. The higher the ratio of loan amount to value, the more risky it is for the lender. A £250,000 house purchased with a £200,000 mortgage (loan up to 80% value) is a safer transaction for the lender than lending £225,000 (loan up to £9).0%). Mortgage providers try to mitigate this risk by charging higher interest rates on higher-value mortgages.

        However, while this helps protect lenders, it can cause problems for borrowers trying to secure higher monthly payments.

        First time buyers

        Loan value ratios are of particular concern to new buyers who may have been saving money for collateral for years.

        Usually they have to choose a higher cost of credit with the hope of reducing it in a few years and possibly remortgage at a lower rate somewhere in the future. While it may be tempting to climb the real estate ladder, once you have the minimum amount required for a deposit, it’s worth considering whether this makes the most financial sense. The larger the deposit amount you can keep, the smaller your loan amount will be. This means you’ll get a better mortgage deal and pay less interest over the life of the mortgage. As you go through the mortgage agreement process, you will also find that there are significant additional costs, including legal fees and possibly stamp duty, although this is waived for most new buyers. The Government Equity Acquisition Assistance Program has enabled first-time buyers and those already moving up the real estate ladder to obtain a mortgage with as little as a 5% deposit by providing an interest-free loan of 20% for the first five years. . This reduces the loan-to-value ratio by up to 75%.

        Transfer or relocation

        The cost of a loan is equally important for people who are moving to another house or renovating an existing property. The amount of capital you hold on your property will affect your ability to remortgage and may limit your options. If you’ve paid off your original mortgage for several years and home prices have risen or remained stable, you’ll have more capital. This means you can get a new mortgage with a better loan-to-value ratio and possibly much lower interest rates than you did before. However, if housing prices are currently at their lowest point and there is no urgent need to move, it may be worth staying where you are for a couple of years. If the value of your home rises again, your loan-to-value ratio will drop, which means you’re more likely to get a good deal if you remortgage.

        Stone house blue windows

        Equity issuance schemes

        At the other end of the scale are homeowners considering equity issuance, where money is borrowed against the value of existing property to survive their later years. As with any mortgage loan, the terms of a loan for a share issue depend on the loan-to-value ratio. If you choose one of the most popular equity issuance schemes, known as a lifetime product, interest will be added to the loan over time and paid when your property is eventually sold, either on your death or when you decide to go permanent. guardianship. Capital issuance is offered only for relatively low credit-to-value ratios. There are several schemes that accept loans over 50% and most state that their maximum amount is somewhere between 40-45%.

        For this reason, you are generally only eligible for the capital release program if you have paid off your original mortgage or if you have only a small amount of interest left.

        Taking out a mortgage in the UK – or remortgaging an existing property – can often be a daunting and confusing process, with lots of acronyms, facts and figures to get you thinking.

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        The cost of a loan in England and Scotland is one of the most important of them. It is also a useful way to understand the actual value of a property, decide if you can afford to buy it, and what mortgages and interest rates may be available to you.

        As we have discovered, your cost of credit will not stay the same for long. As home prices fluctuate, your loan-to-value ratio will go up or down, even if you only pay the interest on your mortgage, without affecting the debt itself.

        The loan-to-value ratio will also change over the life of the mortgage, usually decreasing slightly with each repayment you make. As you progress through the life of the mortgage and the loan-to-value ratio changes, so do the options available to you. You may find that you can renegotiate the terms of your mortgage to pay it off faster or get a better interest rate.

        Even if you’ve been paying off your mortgage for several years, it’s in the best interest of your overall financial health to check your loan value ratio regularly. You may be eligible for a better mortgage deal and save some money in the process. Most banks and building societies classify mortgages into different loan-to-value ratio categories. If you are nearing the bottom of the loan-to-value scale, you are eligible for their lowest interest rate. As you get closer to the upper limit of the scale, your level of interest will be higher. Generally speaking, from borrowers with a book value of 90% or higher will be charged the most, while borrowers with a book value of 75% will be charged less. Borrowers with loan repayments of 60% or lower will be offered the most favorable rates.

        Reminder: How to Calculate the Cost of a UK Property Loan

        As shown above, simply divide the amount you wish to borrow (or the balance of an existing mortgage) by the total value of the property and then multiply by 100. This will give you the interest rate for your loan.

        Another example of a quick settlement:

        A buyer wants to buy a £200,000 property and has accumulated a £50,000 deposit. They need to borrow £150,000.

        £150,000 ÷ £200,000 = 0.75

        0.75 x 100 = 75

        So their loan to value ratio is 75%.

        How to influence your loan-to-value ratio

        Your loan-to-value ratio can make a big difference in how much you are allowed to borrow, what your interest rate will be, and ultimately how much your property will be worth over time. repayment period.

        It makes sense to do everything in your power to reduce it as much as possible.

        Loan-to-value ranges given by various banks and building societies can serve as a good guideline. If you’re saving for a deposit and currently have a little less than what you need to meet a certain loan amount threshold, it might be worth waiting a few months. Increasing your deposit size – and thus decreasing your cost of credit – can mean that you are then eligible for the best value loan, which will save you thousands of pounds in the long run. An alternative option, if you have found the perfect property and do not want to wait, is to negotiate with the seller to reduce the price. Even a relatively small reduction can result in a more favorable cost-to-value ratio, which not only saves you money, but improves your chances of getting a mortgage loan.

        Country semi-detached house in UK on mortgage 2021-2022

        Add value of UK property on mortgage

        by finding a way to increase the value of your property in order to qualify for the best value loan.

        An attic conversion, a new kitchen, or garden planting will cost you several thousand pounds and require a survey.

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        But in the long run, this can significantly increase the value of your home and, in turn, may send you into a different range of loan values. This will lower the interest you will have to pay on the new mortgage.

        This is also a good idea, as some mortgage providers will only offer significantly higher rates to borrowers with higher loan costs. Don’t forget that buying a home comes with a lot of extra expenses that could eat into more of your savings than you expected. In addition to legal fees and possibly stamp duty, it’s a good idea to set aside some money for unexpected expenses that may arise during the period of entry. After you have deducted these costs, your savings fund may be significantly smaller and you may find that you do not meet the threshold amount of the loan that you were counting on.

        As with all major financial solutions, it’s worth looking into as mortgage loan providers can vary considerably in the deals they offer, especially between different loan-to-value ranges. Once you’ve accumulated your deposit, found the property you want to buy, and figured out the loan value ratio, you’ll need to look at the terms, fees, and interest rates of all the mortgages available to you.

        While you may be wary of spending even more of your hard-earned money, you can often pay to use a mortgage broker. He is a skilled professional who has arranged hundreds of other mortgages, understands the industry and knows what is currently on offer. Using a broker will not necessarily cost you more money. Whatever fee they charge, it’s often far less than the savings they’re helping you with. Some have access to “broker exclusive” deals that are better than those available directly from the mortgage provider. The broker will also be able to advise you on the type of mortgage you should take out and effective ways to maximize your assets and save the most money.

        Conclusion

        It is often said that buying a house is one of the most stressful experiences in life. But it doesn’t have to be. We hope this guide will help you understand the importance of credit in valuation and give you insight into how to improve yours.

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        Permanent residence and residence permit in the UK. Visas to the UK 2021 – 2022. How to get a visa to England? What are the chances and nuances? All types and types of British visas for Russians in 2021.

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        Bank of England braces for biggest interest rate hike in 27 years due to rising inflation – Publications – Finversia

        The Bank of England is expected to raise interest rates by 50 basis points on Thursday, the biggest one-off increase since 1995.

        The move would raise borrowing costs to 1.75% as the UK central bank battles rising inflation, the first half point hike since it became independent from the British government in 1997 year.

        UK inflation hit a new 40-year high of 9.4% in June as food and energy prices continued to rise, deepening the country’s historic cost-of-living crisis.

        Governor of the Bank of England Andrew Bailey in his hawkish speech on 19 July suggested that the Monetary Policy Committee (MPC) might consider a 50 basis point rate hike, promising that the Bank of England’s commitment to bring back inflation there will be no “ifs or buts” towards the 2% target.

        A Reuters poll last week showed that more than 70% of market participants now expect a half-point rate hike.

        James Smith , Developed Markets Economist at ING, said that while the economic data after the June 25 rate hike did not significantly change the situation, MPC’s earlier commitment to act “strongly” to bring down inflation, and market expectations in 50 basis points at this stage means policy makers are likely to take aggressive action.

        “However, the window for further rate hikes seems to be closing. Markets have already lowered expectations for the ‘peak’ bank rate from 3.5% to 2.9%, although that still sees two more 50 basis point rate hikes by December and some more after that,” Smith said.

        He acknowledged that this could be an underestimate in practice, and depending on the signal the BOE sends on Thursday, ING would not rule out an additional 25bp. or a maximum of 50 bp beyond this increase.

        Smith said the key points to look out for in Thursday’s report will be whether the UK regulator continues to use the word “strongly” as well as its forecasts, which include market expectations in its model and the expected policy trajectory.

        If forecasts point, as in previous iterations, to accelerating unemployment and inflation well below target in two to three years, markets may interpret this as a more dovish signal.

        “Everyone is taking this as a sign that they are saying ‘OK, if we follow what the markets expect inflation will be below target’, which is their very indirect way of saying ‘We don’t need’ to go up like this. ” aggressively as markets expect,” Smith told CNBC on Tuesday.

        A more aggressive approach at Thursday’s meeting would bring the trajectory of the Bank’s monetary tightening closer to the trend set by the US Federal Reserve and the European Central Bank, which increased by 75 and 50 basis points respectively last month.

        But while this could bolster confidence in the Bank of England’s fight against inflation, a faster pace of tightening will exacerbate downside risks to an already slowing economy.

        Berenberg Senior Economist Callum Pickering (Kallum Pickering) said in a research note on Monday that Governor Andrew Bailey is likely to receive support from the majority of the nine-member MPC if he supports a 50 basis point hike on Thursday. and predicts that as inflation is likely to continue to rise, the Bank of England will raise rates another 50bp. in September.

        “After this, the prospects are dim. Inflation is likely to peak in October when the ceiling on household energy prices rises again. Amid growing evidence that monetary tightening is putting pressure on demand and core inflation, we expect the BoE to hike another 25 basis points in November, but suspend (hitting) rates in December,” Pickering said.

        Berenberg Bank expects the bank rate to reach 2.5% in November from 1.25% currently, although Pickering said the risks of this event are skewed upward. He suggested that the BoE could roll back some tightening during 2023 when inflation starts to ease, and likely cut the bank rate by 50 bps next year, with a further 50 bps cut in 2024.

        UK energy regulator Ofgem has raised its energy price ceiling by 54% since April to offset rising global costs, but is expected to rise more in October, with annual household electricity bills projected to top £3,600 sterling ($4,396).

        Barclays has historically been cautious about bank rates, with high hopes for MPC’s “early and gradual” strategy. However, UK Chief Economist Fabrice Montagne told CNBC in an email last week that politicians now have reason to act “strongly” as energy prices continue to rise.

        “In particular, rising energy prices are affecting our forecast of Ofgem’s cap price and will force the Bank of England to revise its inflation forecast yet again. Higher protracted inflation is a scenario that scares central banks due to higher conservation risks and side effects,” he said.

        Barclays now expects a rate hike of 50 basis points, then 25 basis points in September, and after that the status quo of 2%.

        Materials on this topic can also be read:

        – Bank of England tipped for biggest interest rate hike in 27 years as inflation soars (CNBC)

        00:00, 03/29/2022

        Plot: Our people abroad: how “Russians” are treated outside of Russia

        Against the background of the events in Ukraine, cases of discrimination against Russians are now being recorded in the world. Realnoe Vremya talked to Tatarstan residents abroad to find out how the attitude towards them and other “Russians” has changed in recent weeks. Today, members of the Artemov family, who settled in London 8 years ago, talk about the mood of the inhabitants of Great Britain.

        “All internal problems of the country have faded into the background”

        The names of our interlocutors are real, but they asked to change the last name – the times are turbulent now, and close relatives remain in Russia. The family moved to the UK permanently in 2014. Ulyana is 20 years old, she graduated from high school in London, now she studies at Queen Mary University of London and works in an audit firm at the same time. Her dad Dmitry joined the conversation. He is 48 years old, he is a financier by education.

        The Artemovs say that now the events in Ukraine have become the main topic of discussion for the British and the British media.

        — Over the past month, all the internal problems of the country have faded into the background. All covers of magazines and newspapers are full of photographs of Zelensky and events in Ukraine. Residents of the UK perceive this as a direct threat to Europe. This conflict worries people much more than any other in recent years,” says Ulyana.

        But the accusatory rhetoric in the media, according to the girl, does not apply to ordinary Russians – the responsibility for what is happening in England is placed on Russian politicians.

        There are collection points throughout London. People bring things and food in packages, volunteers sort them and then they drive them by car directly to the border of Ukraine. This cargo is transferred to both refugees and those who remained in their homeland. The Artemovs also take part in these actions – Ulyana said that a truck they recently sent brought a humanitarian aid to Ivano-Frankivsk.

        Aid collection points have been set up throughout London. Photo: Olga Doronina / zimamagazine.com

        “We feel internal discomfort”

        Despite the close attention to Ukraine, there is still no discrimination against Russian-speakers in England, the Artyomovs say. There are many former compatriots and immigrants from the post-Soviet space in London, as well as representatives of other nations.

        – Russians have always been treated the same as any other foreigners. Exactly, calmly. And there are a lot of immigrants and emigrants from all over the world. Real multiculturalism and the same “tolerance”. Sometimes it seems that the British themselves are in the minority. Now there is no change in attitude towards the Russians – neither on the part of the “locals”, nor even on the part of the Ukrainians, with whom we are working together to collect humanitarian aid. But many Russians feel internal discomfort: from communicating with relatives in Russia who repeat words from TV, from a sense of personal responsibility for what is happening, from fear for themselves, relatives, children in the face of the threat of a nuclear catastrophe, Dmitry joins the conversation.

        Ulyana adds that she heard about cases of Russian oppression, but mostly from her friends and relatives who live in Russia.

        — Almost every day I am asked about the change in attitude towards me in England, but I have nothing to answer. Personally, I have not encountered anything like this. Stupid and tactless people were, are and will be, but one cannot accept isolated cases of discrimination as the norm.

        The Artemovs note that now people have become more attentive to each other, they often ask about their emotional state, offer help and support. These, they believe, are the fruits of British upbringing, human empathy is developed and encouraged here from childhood.

        There are still few refugees in the British Isles. But they are starting to arrive. Photo: AR

        There are not many refugees, but they are coming

        If refugees from Ukraine appeared in Poland, Moldova, Romania and Hungary in the very first hours after the start of the special military operation, then there are still few of them in the British Isles. But they are starting to arrive.

        – The UK is more difficult to get to than Europe, so they are not in such numbers here. They are treated well, many people offer their help and support – I personally know those who offered free lessons in English and mathematics to help Ukrainian children with adaptation at school. Many offer a room in their house or apartment,” Ulyana explains.

        Local Ukrainians come out to protest, especially during the first days of the special operation. Sometimes they are joined by Russians who have lived in London for many years. These people emigrated from Russia long ago.

        — Perhaps there is some kind of Russian diaspora who moved back in the 90s, but mostly Russian-speakers communicate in the areas where they live. There is also such a group in our district, and 90% of the people there oppose the special operation,” Ulyana says.

        But even those Russians who understand the policy of the Russian authorities, and others, as well as the British themselves, are united and reconciled by one thing – the seizure of the property of Russian oligarchs. Although the right to private property is one of the pillars of Western society.