How Much Deposit Do I Need To Buy A House in Liverpool?

Why do I need a deposit?

For many people, saving up for a deposit can be rather challenging, and this is their primary barrier to entry into the property market. It can be seen as daunting if you have a family or are currently renting.

We do get many questions about deposits so we’ll try to answer as many as I can for you here.

To reduce their lending risk, lenders will need you to put down a deposit. If they lend you 100% of the purchase price and you unfortunately fall into arrears, they’ll need to take possession of the property. This sort of thing only takes a small dip in house prices for them to suffer a loss.

There is a common thought that if you haven’t invested some of yours or your family’s money into your home then you might find it a bit too easy to «walk away» should the going got tough and you were struggling to meet your monthly payments. Also, if you are not in a position to save up say, 5% of the purchase price yourself then it could be argued that you’re not quite ready to get onto the property ladder.

My Credit History is Poor – How Much I Need to put Down?

A lot of the specialist Lenders that we work with as a company want you to put down a minimum of around 15% deposit if you have a poor credit history. This is simply to reduce their risk in the event of a property repossession. If you do require specialist advice, then please get in touch with a Mortgage Advisor in Liverpool as we are here to help.

Can I Take out a Loan for the Deposit?

It’s a possibility, but 99% of Lenders won’t let you do this. This would essentially be 100% lending.

Can someone Gift me a Deposit?

Yes, this happens quite frequently. It’s usually the «Bank of Mum and Dad» that can gift the deposit, however other family members like Aunties, Uncles etc. have been known to do this too. The latter isn’t as common an option though, so we wouldn’t take this as a guarantee. Prove who they are and confirm they are not expecting repayment of the gift, then you’re good to go.

Please note that the above information is for reference purposes only and is not to be viewed as personal financial or mortgage advice.

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The Night Hawk, the World’s First Stealth Bomber

When I visited the USA in 1998 as part of the air staff team, we were quartered at one of the USAF bases. At one end (that area was kept off bounds) we could see dark bat shaped planes. They were part of the secret arsenal of the USAF and from my knowledge; I knew that this was the famous stealth fighter. It was given the number as F-115 and called Night Hawk. The plane at that time was the most advanced in the world and nobody had anything like it.

Technology was Russian

The Night Hawk cost 111 million dollars apiece and was discontinued in the USAF after 25 years and replaced with the F-22 or Raptor. Never the less the F-117 was something unique and incorporated the stealth technology. This technology was published in a research paper presented in 1964 by a Russian scientist named Pykr. The Russians ignored this paper but the engineers at Lockheed studied the paper in detail. In effect, the Prof has stated that a plane could be made that could allow the radar waves to bounce off the plane and thus render the aircraft invisible to detection by radar. it could only be sighted visually.

It meant making a plane with an unconventional design. it had to have angles of construction, that were of a particular slant so that the radar waves could bounce off. The plane thus had the look of a bat and was christened the Night Hawk. The Night Hawk first flew in 1981 and a few years later was inducted into the USAF. The Night Hawk was a revolutionary design and for 5 years the Americans kept it secret before the world came to know of this unique plane. The Russians rued the development of the F-117 and wondered how they had missed the bus.

Operational use

The Night Hawk was put into operational use and used extensively in the air bombardment of Iraq, during the 1992 US-Iraq war. The plane despite a slow speed of some 660km/hr could not be detected. It had limited range of about 1000 km and thus for a target, it needed mid-air refueling. It carried no defensive armaments relying on its ability to attack a target undetected. It carried 2 x 1000 laser guided bombs, that could penetrate even 12ft of concrete and was thus a force multiplier. The Russians were however hard at work to perfect their own stealth fighter and the US the need of another plane was felt. Research started and this led to the led to the Raptor, which had a longer range and flew at 3 times the speed of the Night Hawk. Once the Raptor was ready for combat duty, the F-117 was phased out, but it served the US interests for 25 years. During this period only one Night Hawk was lost in combat over Serbia when a Russian missile was able to hit it. The pilot was rescued in a dramatic rescue mission, but the plane crashed. Russian engineers as well as Chinese salvaged parts of the plane and took it to Moscow and China in an effort to understand the stealth technology. Parts of the plane can see be seen in the Museum at Belgrade.

Last word

The F-115 remained the only stealth fighter in the world during the days of the cold war and even after the collapse of the Soviet Union, the plane was the mainstay of US offensive action. It was used extensively in Afghanistan when the USA mounted an invasion and no plane was lost despite missiles

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Do You Believe? A New Source of Faith for Leaders

Following any national or international crisis, we Americans tend to dissect the leadership style of those responsible for handling the crisis. Think about the collective time spent analyzing post-Katrina disaster relief; studying Rudy Giuliani's remarkable efforts to restore his city to normalcy following the 9-11 attack; evaluating the police response to the death of Freddie Gray in Baltimore. As a nation, we learn by example, we learn from our mistakes, we re-learn lessons we once knew about leadership by studying the leaders who demonstrate how leadership is (and isn't) defined.

But perhaps we're missing an opportunity to learn about leadership from a source available to all of us, free of charge. Perhaps we're overlooking exemplars that are right in front of us. Instead of exploring, as the study of leadership usually does, the style and methods of those men and women (and sometimes, even children) who assume the leadership mantle, perhaps we should be studying nature. Instead of turning automatically and immediately to recognized leaders when we are contemplating leadership, it might be worth our while to turn first to the animal kingdom, which has learned to survive despite threats from man, from nature, and even from meteors hurtling to earth from outer space. (The crocodile, for example, has been around for over 200 million years.) By extrapolating from natural examples to leadership behaviors, we can ideally gain fresh perspectives. We can look at situations in a new light, thereby garnering invigorating insights.

Leadership in Atypical Places

Literary lion, Fyodor Dostoyevsky, suggests new understandings will accrue if we are able to "Love all God's creatures, the animals, the plants. Love everything to perceive the Divine mystery in all." Whether you are seeking to unravel divinity-secrets or merely seeking to better understand the elements of good leadership, you'll find nature one of your best sources / resources.

We find evidence of behavioral guidelines, of course, wherever we look-including glimpses into proverbs. This one, from Malaysia, advises, "Trumpet in a herd of elephants; crow in the company of roosters; bleat in a flock of goats."

The very predictability of political speech suggests the need for new understandings of leadership, understandings that can be derived by studying the birds and the bees and the beasts. Inevitably-no matter the party, no matter the events of the day-there will be talk of lowering taxes or restoring the American dream. There will be pledges to make America great again and to do something long-needed on the first day in office. And, of course, there will be references to the Constitution and comparisons to Ronald Reagan.

The contenders for the 2016 presidential race found "outliers" drawing some of the biggest crowds. People like Bernie Sanders and Donald Trump were more of a draw than seasoned political leaders. This dissatisfaction with traditional leaders is another good reason to consider atypical sources of inspiration and best practices. The predictability of political speech and the unpredictability of the speakers' behavior lend importance to the need for a new font of leadership knowledge.

Biomimicry and a Creed of Your Own

There's a word for the emulation of nature to derive scientific benefits: "biomimcry." It is considered a method of solving human problems by imitating nature. We hope that you will soon subscribe to a "biomimicreed yourself," a belief that there is much we can learn from nature's way. If you do subscribe to this belief, you will discover there are many benefits to be derived from studying the animal, insect, and marine world.

You'll come to understand how much is to be learned in the examination, for example, of the tensile strength of a spider's spun silk, which is stronger than steel. You'll comprehend scientists' fascination with burrs stuck on the coat of a Swiss engineer-which led to the creation of Velcro. Become a serious student of biomimicry and see why the nose of Japan's bullet train resembles the long beak of a kingfisher; why NASA engineer replicated the dentricle patterns in the skin of sharks in order to reduce drag.

No doubt you'll be impressed by Pak Kitae, who was drawn to the Namibian beetle and its capture of fog in a desert setting; you'll readily come to see why Peter Agre of Johns Hopkins University won the Nobel Prize in 2003 for his identification of a membrane protein that permits water to pass through the walls of cells. (It wasn't long before the Danish firm Aquaporin use this discovery to desalinate sea water.)

Mother Knows Best

Mother Nature, that is. If you develop a biomimicreed-ie, faith in the possibility of learning important lessons from nature – you will understand Dr. Jonas Salk's explanation: asked how he came to develop the polio vaccine, he simply said, "I learned to think the way Mother Nature thinks." Mercedes-Benz adopted this kind of thinking when they devised an experimental car based on the aerodynamically flawless boxfish. And speaking of fish, biology professor Frank Fish put bumps on turbine blades in order to minimize both drag and noise. The source of his inspiration? A humpback whale statue he saw in a Boston gift shop. Schools of fish led John Dabiri of Caltech University to devise a wind farm that optimizes air flow.

A team of University of Massachusetts researchers have developed an incredibly strong adhesive named Geckskin, in honor of the gecko whose powerful grip is the result of millions of microscopic hairs on its toes. And perhaps you've heard about the new vaccines that no longer require refrigeration. Their producer, Nova Laboratories in Leicester, England, invented them by studying tardogrades, micro-animals that can live without water for 120 years and come back to life when they imbibe water once again. There's so much more we've gained and continue to gain from nature, including light-emitting diodes (LEDs) that came about after scientists in several countries analyzed why fireflies have "fire" in their bellies.

If you watched the 2008 Olympics, you no doubt saw the "Watercube," a swim center that replicates the crystal-like structure of soap bubbles. And, if you subscribe to the online Optimist Daily, you'll know that researchers have discovered a natural sunscreen, by studying the slime that comes from algae and reef fish.

University of Exeter researchers have discovered a way to make energy derived from the sun more efficient-by imitating the method butterflies use to raise the temperature on their flight muscles. Transferring this knowledge to the emission of power coming from solar panels, they have managed to improve output by a nearly 50% increase: by reproducing the butterfly's wing formation, researchers found the power-to-weight ratio of the solar structure expanded seventeen-fold .

As one who has adopted a biomimicreed, you'll be attuned to ways you might improve a leadership undertaking by thinking about nature in new, more respectful ways. You'll not skip over articles like the one by Christopher Solomon that appeared in the May 18, 2015, online edition of New York Times. It featured Dr. Erick Greene, a biology professor at the University of Montana. He finds that "when birds squawk, other species seem to listen."

Greene and others have found that animals can identify the alarm signals of other species. There's a lesson here for business people who tend to become insular in their thinking, failing to benchmark or to bring in divergent thought. Greene found that when little chickadees spot raptors in nearby trees, they make their "chick-a-dee" call, which actually galvanizes other birds to the spot. This avian mob harasses the potential enemy until it leaves the area. (Interestingly, when the chickadees add more "dees" to their calls, it means the danger is larger than usual.) Teamwork triumphs, indeed.

"Biomimicry" usually aligns science and nature. However, in a TED (Technology, Education, and Design) talk delivered in November 2010, Michael Pawlyn explores "using nature's genius in architecture." He maintains that imitating nature would allow us to factor 10-perhaps even factor 1000 times-the savings in energy and resources used in buildings. He speaks of pollen grains that inspire architects to create efficient architectural designs using hexagons and pentagons.

The Wild and the Wildebeests Call

Just as our nation represents unified diversity or "e pluribus unum," the wildebeest looks as if it was carved into one creature from the parts of many others. Like the ferocious bull, the wildebeest has horns; yet, its head looks a horse's (as does its tail). The wildebeest's front end is sturdy, like an ox's, while its hindquarters are slender, like an antelope's. On a very basic level, the wildebeest example provides a lesson for leaders: diverse elements can be united to yield remarkable results-whether in an entire nation or in a humble beast.

Fortune magazine cited numerous other examples of nature as a mother lode of leadership information several years ago ("Calls of the Wild," Tim Carvell, page 121, June 12, 2006). The article begins with a provocative question, "When you've phoned in sick, have any of your co-workers ever been thoughtful enough to come over and regurgitate blood into your mouth?" This is what vampire bats do for each other. Of course, other examples abound of animals working together for the collective good, and of nature fixing her own problems. (An article by Justin Adams in the e-edition of The Optimist [June 15, 2015], asks, "But why invest so much time and money in developing new technologies when nature already has evolved the cheapest, most effective and scalable tool at our disposal: forests? ")

Lee Dugatkin, a biologist-author ("Cheating Monkeys and Citizen Bees") asserts that our animal counterparts are actually operating on a simple cost-benefit analysis. They realize that by working together, they can more easily achieve success for the community as a whole. There is even a phrase that's been coined to explain the individual animal or insect that is willing to deny itself in order to aid the group: "biological altruism."

Unfortunately, we don't always find examples of such altruism in the corporate kingdom. The good news, though, is that improved communications and sincere commitment can overcome some of the stumbling blocks to productive results. Reading about the selflessness of our natural counterparts may indeed inspire.

Plankton author Christian Sardet maintains we owe our very existence to the single-celled ocean drifters. He says that for every two breaths we take, we owe once of them to the photosynthetic microscopic water beings. Apart from such debts, though, we find ourselves indebted to the natural world in less critical ways. By examining various practices evident in nature and natural creatures, we can find add to leadership-knowledge in the human sphere.

The Childhood Connection

By making extensions to leadership practices, we can eliminate some of those stumbling blocks in the way of productivity. After all, we have identified with animals from childhood-all those stuffed animals in our cribs and playpens formed an early linkage, a simpatico with animals we believed, at least for a while, to have hearts and souls. And then, there were all the books and movies and videos-when children cry over Bambi or The Velveteen Rabbit, something has caused that emotional reaction. That something is our early bonding with creatures of the earth that don't look like us but that we relate to, nonetheless. And when children laugh at Mickey Mouse's or the roadrunner's antics, it is because they understand them; they are kindred spirits.

Our imaginations have made us aligned with creatures, as have certain traditions, in particular those inherent in the Native American culture. Each tribe is guided by an animal spirit, the energy belonging to that animal on earth. The power is greater than that belonging to just one animal, as it represents the spirit of all that animal's predecessors.

From the Bible, through Aesop's Fables to modern works of literature like Animal Farm or world-acclaimed accounts like Jane Goodall's of animals in their natural state, we have bonded with and been inspired by animals all of our lives. (As a child, Goodall had a toy chimpanzee named Jubilee that helped shape her future.) It is a very small leap then to move from this enormous influence to the lessons to be learned from the nature world. Up to eighty million dogs and ninety-six million cats are find themselves in American households-to say nothing of the other species cherished as pets. Is it any wonder we find ourselves mirrored in their behaviors, our lives entwined with their existence?

It's true that scientists have been at work for a long time, studying nature and then applying its lessons – scientists like those at the Oak Ridge National Laboratory who, in an attempt to create more efficient solar panels, studied the eyes of moths and lotus leaves and their ability to repel water.

This whole notion of deriving an unexpected understanding of our role as leaders by studying the environment may be new to you, but brilliant minds have been exploring such connections for decades.

Whether you're interested in improving your individual leadership style or interested in improving the way your team functions; interested in getting your entire staff or department to think more about leadership characteristics; or hoping to lead your parish or school or neighborhood in undertaking a project of some kind, turn to nature-if only occasionally-for inspiration.

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Staycation Guide: 5 Places In The UK That Will Make You Feel You Are Abroad

Staycations are again on the rise more, and more Brits are deciding to stay home for their holidays. But where in the UK should you go if you have never had a staycation before or fancy trying something new? Here is my staycation guide is here to help.

The UK is a dynamic place full of history, natural beauty, dramatic coastlines and historical cities. Every corner has such an individual identity that no two places are alike. Some UK destinations might even give you a little taste of Europe! Here is how:

Love The Algarve? Try Devon

Branded "the English Riviera", Devon is fantastic for families and beach holidays. It is also home to five areas of Outstanding Natural Beauty, UNESCO Sites and Natural Parks.

For a cultural city break, try Plymouth or Exeter, both rich in Roman history. It it's the relaxed coastal life you want, try South Devon. For surfing, go for North Devon and Exmoor. And for the true Riviera experience, try Torquay, Paignton, and Brixham. There are also many smaller towns and villages worth exploring if you fancy going for a drive.

Love Tuscany? Try Lancashire, Yorkshire And Cumbria

North West England and the region of Tuscany in Italy share two things in common: beautiful green panoramic views and maxing food.

Famous for its artisan food, locally sourced produce and niche eateries, the counties of Lancashire, Yorkshire and Cumbria, will entice any foodie traveler with their food festivals and farm shops galore. To work up an appetite, you can visit the castles, museums, theaters or seafront towns or you can go hiking and take in scenery so beautiful that Queen Elizabeth is reported to have said she would like to retire here.

For more active travelers, highlights are the Yorkshire Dales, the Pennines and the Lake District, where you can try all sorts of sports from golfing to sailing and paragliding. For those wanting a peaceful hideaway, try smaller market towns such as Kirby Lansdale, Hebden Bridge or Clitheroe. And if it's a sea you seek, try Whitby, Scarborough or Lytham St Annes.

Love Switzerland? Try Scotland

If you a partial to mountain ranges, lakes and a pair of skis, then Scotland is the perfect staycation for you. With beautiful scenery, imposing castles and interesting cities thrown in for good measure, both Switzerland and Scotland will give you jaw-dropping views. Switzerland has some of the most famous ski resorts in the world, Scotland has the best ski resorts in the UK. The Swiss have the alphorn and Schnapps; the Scots have the bagpipe and their world-famous Scotch whiskey. Hell, the Scottish accent might even make you feel you're abroad!

Jokes aside, Scotland is indeed a beautiful country, with intriguing and grand history, beautiful landscape and stunning natural reserves. Even Her Majesty has a residence here, Balmoral Castle. For a city break, both Glasgow and Edinburgh are famous for their nightlife and culture. And if you like to drive, we would highly recommend the drive from Glasgow to Dundee. The views are to die for.

Love Rome? Try York

The Italian city of Rome is one of the most famous destinations in Europe, known worldwide for its rich history and vibrant culture. In the UK we have our little version thanks to the Romans themselves.

Although York existed as a settlement before the Roman invasion, it was during that period that it was declared a city of importance. Constantine the Great was proclaimed a Roman Emperor here. Even going out for a pint will yield a history lesson in pubs that used to be churches or monasteries. In recent years, York has become famous for its retail and nightlife as well as its history, and although it's much smaller than Rome, you will have plenty to do and see.

Love Berlin? Try Liverpool

Berlin and Liverpool share many commonalities. Both have witnessed their fair share of political and social change, but are today UNESCO Heritage Sites and European Capitals of Culture.

In the UK, Liverpool is the city with the most galleries and national museums outside of London. The birthplace of the Beatles, it also boasts a very strong art scene. On a more outrageous note, it has been said that the Liverpudlian velvet tracksuit is as infamous as the German beach thong! Liverpool is a vibrant and dynamic city, ideal for any art, fashion or music lover.

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10 Common Scenarios for Booking a Hotel

Whether it’s for business, pleasure or leisure, we all need to book hotels from time to time. Here are 10 of the most common scenarios for doing so.

1. If you’re attending or organising a wedding, you’ll need to book hotels. As it’s a special occasion, a luxury or boutique hotel may be appropriate.

2. You may look to book a hotel for you and your other half, so you can enjoy a romantic weekend break. Again, something luxurious may be preferred.

3. If you have tickets to see a show or concert, you may want the convenience of having a short stroll back to a hotel room afterwards. City centre accommodation is often best for this occasion.

4. If you’re heading for a city break, enjoying some sightseeing and good food, a hotel may be required so you can spread your visit over two days.

5. When you’re away on business and are likely to be spending the whole day in the city, you may prefer an overnight stay, rather than heading back late at night.

6. If you’re going on a long journey, you may wish to break up the driving with a hotel stay. That way, you’ll be wide awake and safe on the roads.

7. If you have guests coming to stay, or you’re a guest going to visit someone, you may need to book a hotel that’s convenient.

8. If you’re going on holiday and have flights during the early hours, you may want an overnight stay at the airport.

9. If you have been offered a good job in a new city and they need you to start immediately, you may need to stay in a hotel while you’re looking for a new place to live.

10. If you’re on a big night out, a hotel may represent a more convenient or even cheaper alternative to getting a taxi home.

For example, you may need to search for hotels in Liverpool if you’re planning a night on the town soon. You can find everything from small boutique accommodation to a luxury Liverpool hotel, depending on what you need.

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The History of Aintree Racecourse

Aintree Racecourse is one of the most famous racecourses in the world and is located on the A59 at Ormskirk Road, Aintree (Anglo-Saxon for 'one tree'), in the northern suburbs of Liverpool, just 6 miles from the city center.

The racecourse occupies more than 250 acres and has two left-handed chasing circuits. The rectangular Mildmay Course is the first and was opened in 1953. It is nearly one and a half miles in length, with sharp turns and steeplechase fences.

The Grand National course isn't as sharp as the Mildmay course but is much more demanding which is why it is known as one of the toughest races in the world, one which all horse trainers aspire to gain entry to. The Grand National course is far longer than the Mildmay, at almost two and a quarter miles, and is completely flat, with fences that have a drop on the landing side lower than the take-off side.

William Lynn is the man responsible for bringing racing to the village of Aintree. Lynn was the landlord of the Waterloo Hotel and started racing on the land which he leased from the Earl of Sefton. He started to build the grand stand in 1829 and after five months the first meeting for flat races was held.

Hurdle racing didn't begin until 1836, when the first Liverpool Grand Steeplechase was held at Aintree on February 29th. This race is considered by some as being the first ever Grand National and was won by The Duke, ridden by Captain Martin Becher.

However, the more documented Liverpool Grand Steeplechase of 1839 is more commonly identified as the first Grand National, and was won by Lottery, ridden by Jem Mason. The race of 1839 was a four miler, across country, and the rule was that 'no rider to open a gate or ride through a gateway, or more than 100 yards along any road, footpath or driftway'.

The racecourse was handed over to the War Office in 1915, and after the 1940 National it was again requisitioned by the military. Racing resumed in 1946 and in 1949 the racecourse was bought by Messrs Topham Ltd; who had leased the land for almost a century; from the Earl of Sefton for £ 275,000. Mirabel Topham, an enterprising soul, went on to create the Mildmay course and a motor-racing circuit which held the European Grand Prix and five British Grand Prix.

Bill Davies bought the racecourse in 1973 for £ 3 million and in 1975 Ladbrokes saved the Grand National, which was in danger of dying out, by managing and administering it for seven years at a yearly rent of £ 250,000. In 1983 the racecourse was deemed secure when the Jockey Club bought it.

Aintree has come a long way from the days when it could only be accessed by rail or paddle boat. Now, improved rail and network links means that fans can travel by any means to reach the wonderful racecourse. There is even a six acre enclosure for landing by helicopter on site or the alternative option of John Lennon airport twenty minutes drive away, meaning that those both home and abroad can come share in the magnificent Aintree festivities.

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