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Key parts of a car that everyone should know

You would be amazed how many drivers there are out there who know very little about the cars that they are driving.

Have you ever taken the time to learn about your vehicle and exactly what it is that keeps it moving?

It is vitally important that road users have at least a fundamental understanding of their car or whatever other vehicle they may be driving, for the safety of themselves, and for the safety of other road users.

Now don’t worry, we don’t expect you to be a fully trained engineer by the end of this article, but we do hope that you will learn at least a few useful things about the key parts of a car and their contribution to the overall machine.

Tyres

Now, we’d be a little worried if you had never heard of tyres before. However, given how important they are in terms of safety and keeping you on the road, they are definitely worth a mention.

Tyres Glasgow come in all different sizes and tread depths and you may well change your tires on a regular basis if you live in a country with changeable seasons.

Some tyres prioritise speed, some grip, some fuel economy, and so forth and it is important to match your tires to your driving needs.

Transmission

Most cars have either a manual or automatic transmission, determining how a combustion vehicle moves through the gears and allows the vehicle to change speed and direction.

Automatic transmissions are constructed of gear sets, hydraulic torque converters and a series of bands which automatically match the gear to other factors such as speed and throttle input.

On the other hand, manual transmissions rely on the driver responding to these factors, using a clutch to manually engage and disengage the engine.

Fuel Injection system

Your fuel injection system, as you can probably work out, injects fuel directly into the cylinder of your car, delivering the fuel required to power the combustion engine most effectively.

Should fuel not be required at that specific point in time, it will be circulated back into the tank for later use.

Spark Plugs

Spark plugs are the source of ignition for your car, producing a spark that ignites the fuel inside the cylinder and instigates the combustion itself.

Radiator

Ironically, whilst we think about radiators in our houses keeping us warm, the radiator in your car is a heat exchanger that removes heat from the cooling system in your car to prevent overheating.

Anyone who has been in a car which engine has overheated will know that this is not exactly conducive to a successful journey so it is important that you keep your radiator in good condition.

Make sure to check the level of coolant in your vehicle every few months.

Oil filter

Your oil filter removes contaminants from the engine oil in your car as it moves through the vehicle preventing dirt and debris from damaging the engine.

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Do I need to use a mortgage advisor?

Mortgages are major financial commitments that can last several decades and should never be entered into without the proper research.

For this reason, using a professional mortgage advisor is highly recommended, as they will use their years of experience in the property market to find you the best possible deal for your situation.

Why are mortgage advisors so important?

You may think that hiring a mortgage advisor is an extra expense you don’t need during the already expensive property buying process.

However, many advisors don’t charge for their services, taking their fees entirely from commission from the lender, and those who do will save you thousands of pounds in the long-term by finding you much better value deals on your mortgage.

Getting mortgage advice is highly recommended for the following reasons:

1. Whole market access

Whole of market independent mortgage advisors such as CSR financial, are able to compare all the best deals from lenders across the UK and have no affiliation with any single one, meaning their focus will be solely on getting you the best value product.

Many mortgage deals are only available to buyers who are applying through a respected mortgage advisor so no matter how extensively you scour the market on your own, you will never be able to secure the very best products available.

Failing to consult a mortgage advisor can lead to much higher monthly payments for years to come and the initial investment will pay itself off many times over during the mortgage term.

You should generally avoid mortgage brokers who are affiliated to a single lender as they will only be able to offer you their mortgage products and you may miss out on the best rates.

When you choose CSR financial for your mortgage advice we will scour the market, searching through over 2000 different products from over 40 different lenders to find the most appropriate deal for you.

2. Financial Advice

Finding a mortgage that is suitable for your financial situation can be challenging and applying for a mortgage deal that you will automatically be rejected for based on salary, expenditure, or deposit size is disheartening and a waste of your valuable time.

A mortgage advisor will make sure that you are likely to meet the affordability and lending criteria before recommending any product, meaning that you have the best possible chance of being accepted.

If you are a first time buyer who may not have a large deposit or have recently changed employer, it can be particularly difficult to secure an affordable mortgage deal, and an advisor will make sure you only apply to lenders who are willing to lend to those in your situation.

3. Admin

Buying and selling property involves a LOT of paperwork and the admin alone can put off a lot of people from moving home.

By completing much of the admin for you, mortgage advisors will not only save you the time and effort of filling out form after form but, as experts, will ensure there are no mistakes leading to you missing out on your dream home due to an accidental error or misprint.

What are the risks of not using a mortgage advisor?

If you choose to go it alone and not use a mortgage advisor when applying for your new mortgage there are several significant risks you need to be aware of.

Firstly, as mentioned, doing your own research is of limited use as the very best deals are only available to professional brokers and advisors.

If you end up securing a mortgage that is unsuitable for your situation through an accredited professional mortgage advisor, you will be able to make a complaint through the Financial Ombudsman Service.

If you attempt to go it alone, however, and select an inappropriate product you are completely unprotected and could end up paying thousands of pounds in unnecessary fees as a result.

When should you contact a mortgage advisor?

It is best to start consulting with a mortgage advisor paisley at the very start of your search for a new mortgage deal.

Not only will this save a lot of time and money in the long-run in searching for deals, it will also help set your property expectations at a realistic level so you are not going to fall in love with a house only to later discover you can’t secure a mortgage for it.

Having a mortgage advisor in place also means that you will be ready to make your move as soon as you find your dream property and will not miss out by being too slow off the block.

Contact Us Today

CSR Financial Services is a family-run business that have been offering tailored mortgage advice for over 30 years.

Based in Paisley we provide advice for clients across the UK, with the majority of our customers based in the West of Scotland, and aim to make the buying and selling process as stress-free and uncomplicated as possible.

To speak to a mortgage specialist today contact us by phone on 0141 212 2636, or drop us anemail us at colin@csrfinancial.co.uk.

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Top Ways for Securing your new Home

Moving into your new home is an exciting prospect, but it’s important when you move into it to ensure it’s safe and secure.

In this article, we’ll discuss some of the best ways to keep your new home secure. These are simple methods but can go an incredibly long way in ensuring your property is kept safe, as well as helping you maintain you and your family’s peace of mind.

No. 1 – Cameras

Security Cameras are widely agreed to be the most effective security deterrent on the market. Back in 2017, the Co-op Insurance found that collectively former ‘professional’ burglars considered security cameras to be the biggest deterrent to their criminal activities. There’s good reason for this.

Firstly, security camera’s ability to record and create a record of the crime (including in the worst cases, catching the face of someone on the recording) and for this to be used not only to track down but apprehend a criminal makes them incredibly off-putting to just about any criminal. Burglars will always think twice about trying anything with a property which has a visual security presence.

Secondly, security cameras increase the chance of a prosecution. This is a serious worry for any criminal; if they are apprehended, they risk serious punishment, including jail time. Therefore, most criminals will avoid a property which is equipped with security cameras.

This isn’t to mention the development of remote monitoring, which allows for the 24/7 observation of your property and quick reporting of any suspicious behaviour, or the use of remote monitoring to check your property when you’re away.

There’s a huge range of different security cameras on the market, with models in both wired and wireless variants. Modern cameras come with a wealth of effective features, including infra-red, night vision, and in-built spotlights. These can do a huge amount to keep your property safe and protect your peace of mind.

By getting a professional installer, you ensure you gain all these benefits.

No.  2 – Alarms

Alarms are another highly effective way to ensure your property is kept safe. Just as with CCTV, Burglar alarms Glasgow are a great deterrent – since their visible presence will often incline potential criminals to avoid the property unless they end up being detected. Alarms are widely agreed to be a key part of any modern security system, and often can be combined with other systems (such as cameras) to form a comprehensive defence against any criminal behaviour.

There’s a wide range of different alarm systems available on the market and designed for protecting all different kinds of homes and properties. By going with a professional, you can ensure you get the best system for your home, and guarantee your property and possessions are property protected.

No. 3 – Keep the Windows Locked

This is a simple measure which can save you a lot of hassle and trouble. Locked windows of course stop the potential for a criminal or burglar to simply enter your home. Windows are one of the most common entry points for a burglar, especially because so many people forget to lock their windows properly.

In some cases, older windows may be a security risk, with their rickety frames and older single frames being easy to break. Modern uPVC windows, with their heavy frames and secure locks are often the best way to ensure your home is kept protected.

No. 4 – Ample Lighting

It’s probably no surprise but Burglars will tend to avoid well-lit homes. While it isn’t possible to keep your lights on all the time, options such as motion activated lights and ample outdoor lighting can do a huge amount to deter criminals from trespassing on your property. Since this will deny an intruder the ability to trespass without detection, it’s a fantastic choice for protecting your home.

No. 5 – Secure the Doors

As with windows, criminals will often attempt to access your home via unlocked doors – especially back entrances. Remember to always ensure all your doors are properly locked and replace any loose or weak locks which may allow for a burglar to enter your home.

No. 6 – Don’t forget your Garage

The garage is a common entry point for criminals, who often consider it an ‘easy target’ – especially if it has an older or visibly unsecure door. Ensuring the garage is properly locked, as well as any entrances from the garage into the home are locked as well, is a vital part of keeping your new home safe.