Freelance Photographer in Dubai, UAE - Experienced, Sophisticated, Affordable & Reliable
  • Home
  • Photography
    • Real Estate Photography
    • Landscape Photography
      • Travel Photography
      • Street Photography
    • Portrait Photography
      • Business Portrait Photography
      • Fashion Photography
    • Food Photography
    • Product Photography
    • Event Photography
      • Concert Photography
    • Sport Photography
    • Still Photography
  • Videography
    • 360 Interactive Virtual Tour
  • Latest Projects
  • News & Tips
  • Contact
Home
Photography
    Real Estate Photography
    Landscape Photography
    Travel Photography
    Street Photography
    Portrait Photography
    Business Portrait Photography
    Fashion Photography
    Food Photography
    Product Photography
    Event Photography
    Concert Photography
    Sport Photography
    Still Photography
Videography
    360 Interactive Virtual Tour
Latest Projects
News & Tips
Contact
Freelance Photographer in Dubai, UAE - Experienced, Sophisticated, Affordable & Reliable
  • Home
  • Photography
    • Real Estate Photography
    • Landscape Photography
      • Travel Photography
      • Street Photography
    • Portrait Photography
      • Business Portrait Photography
      • Fashion Photography
    • Food Photography
    • Product Photography
    • Event Photography
      • Concert Photography
    • Sport Photography
    • Still Photography
  • Videography
    • 360 Interactive Virtual Tour
  • Latest Projects
  • News & Tips
  • Contact
News and Tips

Galley kitchen ideas – 21 layouts to suit any space

January 11, 2022 by Louie Alma Photography No Comments

Galley kitchen ideas – 21 layouts to suit any space


So much has changed in the way we use our kitchens over the last decade. But there’s something reassuring in how galley kitchen ideas always adapt to the create a new-found sense of space, and function. The galley kitchen layout works well for most styles and is a practical choice for even the smallest spaces.

Named after a ship’s kitchen, galleys were originally designed to be compact, ergonomic and ultra-efficient, maximising every inch of space for both storage and preparation. Professional kitchens also follow a similar linear plan with rows of cookers or hobs divided into specific stations for prepping different types of dishes.

Where there’s room for a parallel run of units – a double galley – you can introduce the classic working triangle. This involves arranging the key task zones of fridge, cooker and sink at three separate points so that it’s easy to flit from one to the other..

Galley kitchen ideas

‘A single galley kitchen is perfect for smaller spaces,’ says Lizzie Beesley, Head of Design at Magnet. ‘This layout features a row of cabinets on one wall with free space on the other. If you’re looking for small galley kitchen designs, it’s worth considering a single layout.’

‘Larger kitchen areas benefit from a double galley layout, which offers plenty of storage for the floor space,’ adds Lizzie. ‘A double design features cabinets on both sides of the room with free space on either end.’

A double galley is not only a successful layout in narrow rooms that would struggle to accommodate U-shaped kitchen ideas, but have enough width to take two rows of units. It’s a winning format that’s popular in open-plan spaces too, with a long island providing a second leg and creating a sociable seating area and a natural boundary for the kitchen zone at the same time.

Take a look at our stylish ideas to make the most of your space and plan a kitchen layout to perfection.

1. Keep a single galley sleek and streamlined

green gloss galley kitchen open at one end to living area

Image credit: IKEA

Glossy, modern units work well in a single galley kitchen layout, as the run of sleek, streamlined cabinets creates the optical illusion of more space. Light-reflective surfaces help to bounce light around the room, great for small kitchen ideas. This effect instantly makes tight and narrow spaces feel bigger and brighter.

Neat handleless cupboards keep the area minimal and smart – with no protruding door pulls or drawer knobs to catch on when you’re working or passing through. Continue the minimalist style by keeping worktops as free of clutter as possible, with neat wall-hung utensil rails to keep tools out of the way.

2. Enjoy extra prep space with a double galley

White galley kitchen ideas with glass panel to garden and feature blackboard wall

Image credit: Future PLC/Matt Antrobus

Where there’s room for a parallel run of units – a double galley – you can introduce the classic working triangle. This involves arranging the key task zones of fridge, cooker and sink at three separate points so that it’s easy to flit from one to the other.

‘Galley kitchens definitely aren’t a disadvantage in your home,’ says Lizzie Beesley, Head of Design at Magnet. ‘They give you the perfect space to create a working triangle, which keeps all of your essentials at an easy-to-reach distance. Plenty of professional kitchens use a galley design to optimise efficiency.’

3. Work a galley kitchen into an open-plan living space

Galley kitchen ideas with gloss open plan kitchen

Image credit: Future PLC/David Giles

The trusty linear layout of a galley kitchen has been adapted to suit today’s large, open-plan living spaces. The basic design principal is the same (with two parallel runs of units) but an open-plan layout features a wall-hugging galley run, plus a long island unit running parallel. The island acts as a divider between the dining or living area beyond and is a clever way of zoning an open-plan space.

This stylish space has everything – streamlined surfaces for food prep, integrated appliances at practical levels, plus a breakfast bar for quick and easy meals. Beyond it, there’s plenty more space for a seating area or a formal dining table set up.

4. Create flow with flooring

Galley kitchen ideas with wood herringbone floor

Image credit: Mereway

Create flow in a narrow galley kitchen by laying directional flooring. Timber boards or linear tiles laid running the length of the kitchen will make a galley run look longer and create a natural walkway through the space. Herringbone and chevron patterns or long-line planks will all help draw the eye along or try using square tiles laid diagonally to evoke a feeling of roominess.

5. Stretch your space with a side extension

Galley kitchen ideas with glass roof extension

Image credit: Future PLC/Fraser Marr

Side return extensions and galley kitchens are a perfect recipe for success. The extra footage gained by extending out to the side gives ample space for a single or double galley kitchen layout, plus extra living space that can be utilised for a dining table or seating area.

A long bank of floor-to-ceiling units running along one wall gives maximum space for storage and integrated appliances and helps maintain a sense of flow between indoors and out. Centrally, a longline island gives plenty of worktop prep space and creates a divide between the dining/living area, without blocking any valuable light.

6. Make the space more sociable

White and grey galley kitchen with mirrored splashback

Image credit: Future PLC

Going for an island galley with a breakfast bar is a great idea if you like to be sociable, as you can cook and entertain at the same time. You’ll find that people will naturally gravitate to the central unit, especially when it’s illuminated with statement lighting.

A large, mirrored splash back is a clever design feature, as not only will it bounce light around the room, but will allow the chef to remain part of the conversation, even when they have to turn their back to their guests!

7. Choose vertical storage to make more of space

Galley kitchen with green walls and white cabinets

Image credit: Wren Kitchens

‘If you need to incorporate extra storage for your kitchen consider placing long, tall cabinets on one wall and leaving the workspace on the other side open, which should mean you don’t feel like the units are towering over you,’ says Darren Watts, Wren Kitchens Design Director.

‘Alternatively, extending overhead wall cabinets high up, close to the ceiling, can add extra storage space without infringing on the rest of the kitchen.’

8. Squeeze in a seating area

Grey galley kitchen with kitchen table

Image credit: B&Q

Don’t rule out having a seating area in a narrow galley kitchen. Often there’s space for a small dining table or a mini breakfast bar at the end of a run of units.

Choose compact, space-saving furniture that won’t take up too much floor space. A small, circular bistro-style table takes up less space than a square or rectangular design. Or consider a gateleg table that can be folded up when not in use, or a wall-mounted drop-leaf table that tucks neatly against a wall.

9. Lose cupboards for open shelving

Galley kitchen with grey handle free kitchen cabinets

Image credit: Future PLC/Rachael Smith

Swap bulky wall units for a long run of open shelving on one side of a galley kitchen. Wall-to-wall units on both sides of a galley can create a ‘corridor’ effect that crowds the space and makes the kitchen feel dark and enclosed.

Position shelving just above the kitchen splash back to give a neat finish and provide a display area for decorative kitchen items. Matching splash back colour to worktops will give a sleek, uninterrupted finish that will make walls recede visually. Choose a pale light-reflective colour to enhance the sense of spaciousness.

10. Stretch space with a tiled splash back

Light grey kitchen with tiled splashback butler sink and gold taps

Image credit: Future PLC/Jo Henderson

Add width to galley kitchen splash backs by choosing longline tiles that help to stretch the space visually. Herringbone format wall tiles create lines that draw the eye outwards and along, making the splash back feel longer and wider. Choose pale tiles in a glossy finish that will reflect light and further extend the feeling of spaciousness.

11. Incorporate a plate rack

Traditional grey galley kitchen with and black and white flooring

Image credit: Future PLC/Lizzie Orme

Wall-to-wall cabinets on both sides of a galley kitchen can make it feel dark and crowded if you’re not careful. Break up a long expanse of wall units by adding a run of feature shelving. Wooden plate racks above a sink area add contrast against grey units and give a handy spot to dry crockery.

12. Look up to create height

Galley kitchen with blue and white cabinets

Image credit: Howdens

Pale colours and light-reflecting finishes will make a narrow, galley kitchen feel bigger, by bouncing light around the space. But this doesn’t mean that darker colours have to be ruled out completely. Using a darker colour on base units gives the layout definition, and adding a lighter colour on top units draws the eye upwards and makes the kitchen feel naturally brighter and more open.

‘Be a rule breaker and go for darker tones, such as navy or charcoal, in your layout,’ says Tori Summers Director of Design, Product & Innovation at Howdens. ‘These hues deliver maximum impact, no matter what square footage you have, making them great for creating a striking design. Balance dark tones by opting for lighter colours on other features, like counters and floors.’

13. Add wow with a statement splash back

Kitchen with pink cabinets and floral splashback

Image credit: LimeLace

‘While too much detail can be overpowering, incorporating a feature wall or a patterned backsplash is a great way to add depth to a galley kitchen,’ says Darren Watts, Wren Kitchens Design Director. ‘Consider placing coloured tiles along the space between your worktop and your cupboards.’

‘Alternatively, hanging a mirror or bold piece of artwork on the end wall is a great way to show off your personality in your kitchen, and tie your theme from one side to the other.’

14. Keep appliances out of sight

Blue galley kitchen units with integrated washer and drier

Image credit: LochAnna Kitchens

A thoughtful kitchen appliance layout is key to any good design, especially a narrow galley kitchen. Keeping appliances hidden away out of sight will help make a galley kitchen feel more sleek and streamlined. A mix of different doors, finishes and control panels can feel chaotic in a very tight space, so integrating them in kitchen cabinets or concealing in a cupboard will give a flush finish and uninterrupted look.

Save space at the end of a run of units in a galley kitchen by stacking a tumble drier on top of a washing machine. Stacking kits let you stack one appliance on top of the other and include a central pull-out shelf to make sorting clothes easier.

15. Focus lighting on key prep spaces

Galley kitchen with white cabinets integrated ovens

Image credit: Future PLC/David Giles

Good lighting is essential in a galley kitchen as lack of windows and natural light can make the space feel dark. Use a combination of overhead kitchen lighting ideas and focused task lighting to highlight key areas. Consider under-cabinet lighting, discreetly hidden out of sight, which will illuminate work spaces so there are no dark spots or shadowy areas.

16. Keep it simple

white contemporary galley kitchen

Image credit: Future PLC

Sleek modern units work well in a galley kitchen layout, as the run of glossy cabinets create the optical illusion of more space. Then neat handleless cupboards keep the area minimal and smart – with no knobs or bars to catch on when you’re working. Continue the minimalist style by keeping worktops as free of clutter as possible, and integrating appliances – ideally behind closed doors.

17. Go for a generous galley in open spaces

Large galley kitchen with skylights and bifold doors across the rear

Image credit: Future PLC

A galley kitchen needn’t mean you’re limited for space. Widen the gap of this linear layout to suit today’s large, open-plan kitchen plot. If you have the space use it to widen the gap between the base units. The space is still benefitting from the practical layout of two parallel runs of units but with the extra width the design won’t feel restrictive.

18. Create a practical flow

galley kitchen with wooden floor and door to garden

Image credit: Future PLC

Here, wide, handleless units and wood flooring work in unison to lead the eye down towards a glass door, which in turn leads out to the garden path. This makes the space feel less restricted despite it being relatively compact, and strengthens the link between indoor and outdoor living. Even thought has been put into the exterior door – a sliding version that can be pushed back out of sight won’t interfere with the flow.

19. Mirror your design

Cream country galley kitchen with cream units and oak wooden worktops

Image credit: Future PLC

Galley kitchen styles work just as well in country schemes as modern. This quaint kitchen space is bright and fresh with neutral walls and cabinetry, but rustic additions inspired by shabby chic decorating ideas, like a butler sink and open dresser-style shelving, give the space typical farmhouse charm.

Vintage accessories like wooden hooks and wicker storage are pretty yet practical storage solutions that will keep clutter down and make it easier to cook.

20. Stick to a single design to optimise space

Side return extension with single galley kitchen on far wall

Image credit: Future PLC

Side return kitchen extensions and single galley designs are a perfect recipe as the small space can be optimised for storage and light. Here, a pale colour palette and reflective surfaces exploit the sky lights to the max, while the exposed brick wall adds an interesting urban edge to the look.

21. Go all white to open up a narrow space

all white galley kitchen

Image credit: Future PLC

Galleys are a good budget choice, as by using clean lines and crisp design, you don’t need to spend a fortune to create a functional and stylish kitchen. A all-white scheme can disguise basic units and creates a bright and polished finish. A pretty voile blind will soften the look, while subtle pops of colour can be easily added and changed by way of foliage, fruit and small appliances. The completed look is simple and practical with a clean Nordic feel.

How do I make my galley kitchen more functional?

Long, skinny and with limited space on both sides, get the best out of a galley kitchen by arranging the ‘work triangle’ of hob, sink and fridge with two working areas on one side of the kitchen and the third on the other, roughly centred between the two.

Avoid too many tall cabinets in a galley kitchen as they can overpower the space and make the kitchen feel dark and crowded. Instead of placing them haphazardly, position any tall cabinets at one end of a galley run with tall items like the fridge and freezer close by for a cohesive look.

What is the best colour for a galley kitchen?

Narrow galley kitchens benefit from pale light-reflecting colours, but that doesn’t necessarily mean an all-white kitchen is the only option. Soft shades, like sage green, duck egg or soft neutrals work well in a small kitchen. Try using a single colour across the kitchen on both walls and units so that the eye sees it as one continuous space.

Will you be using these galley kitchen ideas to redesign your kitchen space?

The post Galley kitchen ideas – 21 layouts to suit any space appeared first on Ideal Home.

Share:
Reading time: 12 min
News and Tips

Sofa deals 2022: get up to 40% off with today’s best sales

January 11, 2022 by Louie Alma Photography No Comments

Sofa deals 2022: get up to 40% off with today’s best sales

Looking for sofa deals? Then you’ll be please to hear that the January sofa sales are in full swing, with many retailers currently offering big discounts on all types of seating, from sofas to sofa beds.

To help you jump straight to all the best deals, we’ve rounded up the cream of the crop, including up to 40% off at MADE, up to 30% off savings at John Lewis and Darlings of Chelsea, plus great discounts at Sofa.com, Furniture and Choice, and many more.

You might need to move fast though, as although some deals look likely to last until the end of January, many are disappearing fast.

To help you make sure a sofa is the best fit for your home you’ll find buying advice, as well as our top picks of the best sofas and best sofa beds, in our dedicated buying guides, but, if you’re looking to grab yourself a bargain and furnish your living room for less, here’s the best place to find all the top sofa deals in a one-stop destination.

You’ll find our A-Z of all the January sofa sales taking place at our favourite retailers below, along with our edit of the Ideal Home team’s best sale buys further on down.


Sofa deals: A-Z of the top January sofa sales

Our A-Z of the sofa and sofa bed deals that are most worth shopping this week. Don’t delay though, as these discounts might not be around for long.

Darlings of Chelsea | SALE NOW ON
Starting its January discounting early, Darlings of Chelsea has up to 35% off sofas, sofa beds, and seating right now, with savings running until the end of the month.

View Deal

Furniture and Choice | SALE NOW ON
Home to a wide range of furniture styles at affordable price points, Furniture and Choice’s prices just got even better with the launch of the brand’s January sale. You’ll find a huge selection of living room furniture to shop, including leather, velvet, and fabric upholstered sofas and recliners with up to 40% off.

View Deal

Furniture Village | SALE NOW ON
The Furniture Village is a one-stop destination for all of your furniture needs, offering dining room, bedroom, home office, and living room furniture alongside essential storage, and home decor. The brand’s early bird offers have just launched, offering a chance to get ahead of the January discounts.

View Deal

Furniture123 | SALE NOW ON
The brand’s sofa sale is now on, with up to 50% off selected seating including some great value velvet upholstered two and three-seater sofas and low-priced sofa beds.

View Deal

Home Essentials | SALE NOW ON
Home Essentials offers very affordable sofas and sofa beds, with the brand’s entry-level three-seater sofa starting at just £329. And prices just got even better with the start of the brand’s winter sales.

View Deal

John Lewis & Partners | SALE NOW ON
The John Lewis furniture and lighting sale is now on and offering up to 30% off sofas and armchairs, including a great discount on the high-backed and supportive Draper sofa that features in our guide to the best sofas you can buy.

View Deal

MADE | SALE NOW ON
MADE’s up to 40% off winter sale is now on, with discounts across a wide selection of the brand’s contemporary furniture and home accessories, including savings on sofas, sofa beds, and seating.

View Deal

Oak furnitureland | SALE NOW ON
Oak furnitureland offers a great selection of solid wood furniture, but its sofa and seating collections are just as strong, with affordable fabric upholstered couches and spacious recliners for kicking back and relaxing now included in the brand’s winter sale.

View Deal

Snug | SALE NOW ON
If you need a quick delivery sofa or sofa bed then you’ll be pleased to hear that Snug offers next-day delivery on all of its seating. All furniture is also delivered flat-packed with super simple assembly to make delivery to the room of your choice hassle-free. Plus, its January sale is now offering a hefty up to 30% off.

View Deal

Sofa.com | SALE NOW ON
Sofa.com Winter Sale has 10% off right now, including even bigger discounts on selected lines, such as the super good value Jack three-seater sofa, a collaboration between Sofa.com and Jack Wills that is currently reduced from £1199 to just £599.

View Deal

Wayfair | SALE NOW ON
You can pretty much be guaranteed to find some kind of sale action happening on Wayfair, and this month is no exception with up to 50% off discounts on sofas and sofa beds, along with all other types of indoor (and outdoor) furniture.

View Deal

The top sofa deals: the Ideal Home edit

A velvet three-seater with up to 50% off and a great deal on a versatile corner sofa. These are the best sofa deals on the Ideal Home team’s radar.

Prices from low to high:

Jack sofa | £1119 £599 at Sofa.com
A part of Sofa.com’s collaboration with British fashion brand Jack Wills, the Jack sofa is a stylish mix of mid-Century modern and contemporary design, and – with up to 50% off right now – it’s currently a very good deal.

View Deal

Holly sofa | from £850 £765 at Sofa.com
Smart, compact, comfortable, and available in a great choice of upholstery options, the Holly sofa also comes in a hugely versatile selection of sizes – from two-seater all the way through to space-saving corner sofa and more spacious builds. Plus there’s currently 15% off in Sofa.com’s winter sale.

View Deal

Nebraska sofa | From £849.99 £739.99 at Oak furnitureland
Small but perfectly formed the 2-seater Nebraska sofa is also available in a whole host of larger options, from classic 3-seater to chaise sofa, corner sofa, and even a sofa bed. Plus, its current discount means it’s now even better value.

View Deal

Orson chaise end corner sofa | £1149 £799 at MADE
A popular choice, the Orson sofa from MADE is a compact option that delivers classic design at an affordable price point, and the velvet upholstered ‘Autumn Green’ chaise version is currently a great deal with over 30% off.

View Deal

Baltimore chaise sofa | £799.99 £699.99 at Furniture and Choice
A sleek and modern chaise sofa that’s perfect for adding some extra legroom to a small living room, the Baltimore features raised metal legs that enhance a room’s floor space, and a choice of eleven upholstery options, from smart leather to velvet and fabric picks.

View Deal

Enzo leather sofa | £949.99 £849.99 at Furniture and Choice
This contemporary leather three-seater sofa is a great choice for a modern living room, and now a great price in the Furniture and Choice sale. It’s available in dark or light grey, both with stylish folded armrests and pocket-sprung seating.

View Deal

Bluebell sofa | from £1115 £1004 at Sofa.com
One of Sofa.com’s bestselling styles, the Bluebell sofa is a great option for a period property, with scrolled arms and turned wooden legs adding a traditional touch. The design also comes in a wide range of size options with useful half sizes and the option to have it built in situ for those with tricky access.

View Deal

Sorrento recliner corner sofa | from £1299.99 £999.99 at Furniture and Choice
If you’re looking for somewhere to stretch out and relax then this Furniture and Choice corner sofa offers plenty of room to do so, with a reclining seat at each end. The recliner mechanism offers the choice of ‘laidback’ or ‘fully horizontal’, and the seating comes in ten shades, including five leather options.

View Deal

Draper sofa | from £1449 £1159.20 at John Lewis
This high-backed sofa has just the right mix of firmness and support, along with a whole host of size options, from two-seater to a generous three and four-seater, plus chaise and corner sofa options. The extra-long seat cushion also means no-one gets stuck with the gap.

View Deal

Brondby corner sofa | £1645 £1095 at Furniture Village
Available in fabric or leather upholstery, the compact Brondby corner sofa is ideal for smaller homes, offering spacious seating without taking up too much floor space. Match with the coordinating footstool to gain some useful hidden storage, plus extra seating.

View Deal

A contemporary grey leather sofa from Furniture and Choice in a modern living room

The top sofa bed deals: the Ideal Home edit

In need of some multifunctional seating? Host guests without the need for a dedicated guest bedroom with our top picks from the sofa bed sales.

Prices from low to high:

Haru Small sofa bed | From £329 £249 at MADE
There’s a reason this bestselling sofa bed scores so highly in our guide to the best sofa beds you can buy; and that’s because it’s compact, stylish, and affordable – and even more so in MADE’s current winter sale. It’s also available in a smaller chair bed and a larger two-sleeper option.

View Deal

Weymouth sofa bed | From £1552 £1009 at Darlings of Chelsea
Now with over £500 worth of savings and available in loveseat, 2-seater or 3-seater sofa bed, along with matching non-sleeper sofas of the same size, the Weymouth’s curved scrollback arms add refined elegance to an interior. A 12cm deep pull-out mattress offers enhanced comfort for your guests.

View Deal

Bluebell sofa bed | from £1325 £1193 at Sofa.com
The sofa bed version of Sofa.com’s Bluebell sofa is also in the sale, and offers a more classic take on an often contemporary styled piece of furniture. Again, the design comes in a wide range of size options, with love seat, two-seater, two-and-a-half-seater, and three-seater option available.

View Deal

Esprit chaise sofa bed with storage | £1299 £1049 at Furniture Village
If you want a little extra legroom (plus some useful hidden storage) then a chaise sofa bed makes a multifunctional solution for the living room. This pull-out option from Furniture Village has a 6cm deep mattress and is available in 3 neutral fabrics.

View Deal

Nicoletti Alcova leather sofa bed | From £2275 £1610 at Furniture Village
Looking for a leather sofa bed? This Italian-made sofa bed with contemporary slim arms and 13cm deep pull-out mattress is now a great price. Available in stone, black, white, and chocolate brown, it’s a super-smart solution for the lounge or home office.

View Deal

Dreams Galway sofa bed

The post Sofa deals 2022: get up to 40% off with today’s best sales appeared first on Ideal Home.

Share:
Reading time: 8 min
News and Tips

Mortgage arrears explained – know the risks

January 11, 2022 by Louie Alma Photography No Comments

Mortgage arrears explained – know the risks

Mortgage arrears are a priority debt that will need addressing before any other monetary commitment. Turbulence in the UK’s economy has put the squeeze on household budgets. So it’s difficult for many homeowners to keep on top of debts and everyday bills.

As a nation our biggest problem right now is rising inflation. The cost of living is soaring – the Bank of England expects inflation to hit 5% in 2022. Energy bills, food prices and other costs are all rising rapidly. Even with the best mortgage rates in place, it might be a struggle for some in the months ahead.

Whether you are a first time buyer or have an additional buy-to-let mortgage, being under financial pressure means it can be difficult to prioritise your monthly mortgage payment ahead of other commitments. But missing your mortgage payment can have the most severe consequences.

Mortgage arrears explained

 

House exterior with white picket fence

Image credit: Future PLC

Falling behind on your mortgage will see you fall into ‘mortgage arrears’ If you miss a payment it will be recorded on your credit report and damage your credit score. It will also affect your chances of being accepted for other types of borrowing – including mortgages, loans, credit cards or phone contracts – in the future. Ultimately, failing to pay your mortgage could see you lose your home if the lender seeks repossession.

Homeowners were granted payment holidays during the pandemic, which did not affect their credit history. However, this was a one-off arrangement that has now come to an end.

How to avoid Mortgage arrears

If you’re feeling the pinch, don’t panic. There’s lots of steps you can take to avoid falling into mortgage arrears.

1. Take action

The most important advice of all is to act swiftly. If you can see a problem arising – because you’ve suffered redundancy, say, or seen your working hours reduced – don’t bury your head in the sand. Call your mortgage lender straight away to discuss your options, rather than leaving the conversation until you’re about to miss a payment.

2. Be on top with budget planning

Many lenders – as well as resources such as Moneysavingexpert offer budgeting tools. These will help you to get a clearer picture of what you earn and what you spend.

The online tools can help you pinpoint any non-essential spending that could be reduced or cut out. You can also find a budget planner on the government’s website moneyhelper.org.uk. You might find that by reducing your spending in other areas you can still afford to pay your mortgage on time.

Image credit: Future PLC/ Dominic Blackmore

3. Try tailored support

If you still can’t see a way to pay your mortgage in full, your lender will have a dedicated team of advisers on hand to talk to you.

Some mortgage deals come with the option of taking a payment holiday. Your lender will let you know if this available to you. Never cancel your direct debit without speaking to your lender first or you will end up in Mortgage arrears and create a black mark on your credit report.

Other options include extending your mortgage term to lower your monthly payments. This will increase the amount of interest you pay back overall, but could buy you some valuable breathing space.

Alternatively, your lender might temporarily switch you from a capital repayment mortgage to an interest-only mortgage. A capital repayment mortgage means you’re paying back both the debt and interest. If you switch to interest-only, your mortgage debt will not reduce, but your monthly cost will be lower.

4. Consider debt consolidation

Taking out more debt to repay expensive credit cards and loans may free up some cash in the short term, but you could end up paying back much more interest by spreading those debts over a longer term. You may also find that you start to rack up credit card debt again if you have not addressed your spending habits. Speak to a free debt advice professional before going down this route.

5. Seek free debt advice

There’s no need to pay for debt advice. There are lots of free services and charities that can help you such as Moneyhelper, National Debtline, Citizens Advice and Stepchange.

Home office with wooden desk and metal chair

Image credit: Future PLC

6. Payment plans and missed payments

If you’ve agreed an arrangement with your lender to put your payments on hold or to pay less than your contractual payment each month this will be recorded on your credit report and affect your credit score.

What’s called an arrangement flag will remain on your credit file for three years after the arrangement has ended. Any payments you make that amount to less than your monthly payment will show as arrears, as will any payments you miss altogether.

Missed or late payments linger in your credit history for six years and can put off other lenders from offering you credit. It suggests you’re in financial difficulty and may have trouble paying back future agreements.

If you don’t stick to the lender’s payment plan and it has exhausted all other ways to support you, the lender can take you to court and repossess your property. Repossession is an extreme action, however, and used by lenders as a last resort.

7. Repair credit

Lots of people go through periods of financial hardship at one time in their lives. If it happens to you, take action to minimise the damage to your finances and credit. But if you do end up with black marks on your credit file, all is not lost.

Just because black marks stick to your file for six years it doesn’t mean you’ll be denied credit for that long.

Specialist mortgage lenders will consider offering you a home loan two years after your arrears were registered, providing you have kept up to date with your payments since then. You will have to pay a more expensive interest rate than high street banks would offer. But by rebuilding a good track record of mortgage and bill payments you’ll not only repair your credit history but your credit score too.

An independent mortgage broker can help you manage these issues to get the best possible deal, even if your application is non-standard.

The post Mortgage arrears explained – know the risks appeared first on Ideal Home.

Share:
Reading time: 5 min
News and Tips

How to Shoot Dramatic B&W Images & Become a Better Photographer in the Process (VIDEO)

January 11, 2022 by Louie Alma Photography No Comments

How to Shoot Dramatic B&W Images & Become a Better Photographer in the Process (VIDEO)

Show Promo Image

Monochrome imagery is gaining in popularity with the resurgence of interest in 35mm photography, and even digital photographers can get in on the action. The quick video below demonstrates how to shoot compelling b&w photos with a digital camera, while becoming a better photographer overall. 

Ron Leach
Mon, 01/10/2022

Share:
Reading time: 1 min
Page 2 of 3«123»

Advertisement

Sandals Dunn’s River Set the Stage as NBC’s ‘TODAY with Jenna & Sheinelle’ Broadcast

March 29, 2026

Croissants have been the breakout home decor trend this spring – Aldi’s new croissant-scented candle is the latest must-have to add to your collection

Wildlife experts say you can feed garden birds leftover cooked pasta – here are the surprising benefits

Simba has just launched an Amazon-exclusive mattress that only costs £349 – it’s nearly half the price of its normal 5-star rated range

Primark’s new homeware range is giving ‘citrus summer’, and shoppers are obsessed – these are 6 sunny picks Instagram can’t get enough of

An Easy HDR Workflow: The Ponta de São Lourenço Case Study

THE RITZ-CARLTON ORLANDO, GRANDE LAKES DEBUTS SIGNATURE EXPERIENCES

March 28, 2026

Hotel Sacher Vienna celebrates its 150th anniversary – with sculptures by Erwin Wurm

Majority of U.S. travelers now use AI for trips, marking fastest behavioral shift in a decade

Discover the perfect place to celebrate Easter and stay at Rome Cavalieri

Subscribe to Our Newsletter

Check your inbox or spam folder now to confirm your subscription.

Popular Posts

LUXURY APARTMENT IN DUBAI

LUXURY APARTMENT IN DUBAI

August 20, 2020
LUXURIOUS AND SPACIOUS VILLA IN DUBAI

LUXURIOUS AND SPACIOUS VILLA IN DUBAI

LUXURY VILLA IN PALM, DUBAI

LUXURY VILLA IN PALM, DUBAI

August 26, 2020

Advertisement

Pages

  • 360 Interactive Virtual Tour Sample
  • About the Photographer
  • Business Portrait Photography
  • Concert Photography
  • Event Photography
  • Fashion Photography
  • Food Photography
  • Landscape Photography
  • Portrait Photography
  • Product Photography
  • Real Estate Photography
  • Sport Photography
  • Still Photography
  • Street Photography
  • Travel Photography
  • Videography

Categories

  • Apartments
  • Food Photography
  • Latest Projects
  • Luxury Residences
  • News and Tips
  • Real Estate Photography
  • Villas

Before and After Version

  • STYLISH APARTMENT IN CITYWALK, DUBAI

  • ULTRA LUXURIOUS RESIDENCE IN DUBAI

  • Real Estate Photography in Dubai, UAE

    Luxurious 7 Bed Villa with Private Pool, Cinema, Bar and Lounges at Jumeirah Golf Estates

  • LUXURY VILLA IN PALM, DUBAI

© 2020 Copyright Louie Alma Photography. All rights reserved.