Benefits Of A Floor Heating System

13 Apr 2019 | |

Everyone knows the struggle of getting out of bed in the morning especially when you have to get out of your warm and toasty bedding and step onto the ice cold floor. Carpets and rugs may work but trust me, nothing works better than a floor heating system. In this article, we will be looking at the major benefits of installing hydronic floor heating systems in your home. If you are wondering what this is, hydronic heating is a system of heating the floor by pumping hot water through hot water pipes that run under the floor. It should be noted that a hydronic heating system is considerably more expensive to install than an electric system however this upfront cost pays off in the long run with reduced operating costs which are much lower than an electric system. This means, when you compare the costs of an electric system to a hydronic one, you will realise that it is a worthwhile investment in the end.

The first benefit of a hydronic heating system is the increased comfort. You do not have to worry about cold floors, ever. Apart from that, the hot water floor heating system is even. This means that there are no sections of cold floor even during the colder seasons. You can comfortably walk barefooted in every living space in the house.

The second benefit is the fact that underfloor heating is cost effective. According to the laws of physics, hot air rises which is why it is usually such a struggle to keep the floor warm. Most of the time, with an electric heating system, it takes a longer time to get the floor warm because as stated before, heat rises. However, since hydronic heating works from the ground up, there is no heat loss and as a result and the heating systems helps keep the room warmer for longer with less energy consumption. This means that you will not have to fire up your furnace as often as you possibly would and you would end up saving a lot of energy in the process. Apart from this, you will save quite a lot in your heating bills.

The third benefit which is perhaps a benefit to many is the fact that the hydronic system is friendly to people with allergies. The traditional method of heating forces air to circulate in your vents taking with it dust particles, pollen and other debris that might cause allergies. For people who are particularly sensitive to allergens as well as people living with health issues like asthma. A hydronic floor heating system is ideal for a home with a new baby as well. The last thing you want for a new baby is an unhealthy environment. With traditional heating system, you could vacuum five times a day and still end up with a congested little one which will only be frustrating for both mum and baby. An underfloor heating system does not force anything into the air as it does not use any fans or blowers and this ensures that the air you breathe in is clean and healthy.



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What You Need To Know About Taking Out a Loan

At some point in your life, you may need a small or maybe even substantial business or commercial loan, maybe even a mortgage loan but for one reason or the other, you may lack the necessary documentation needed to access said loan. In this case, a low doc loan, or a low documentation loan as it is sometimes referred to may come in handy.

Well, what is a low doc loan exactly? A low doc loan is a flexible financial solution designed to give loans to people who have assets and income but are however unable to provide the financial statements and tax returns proof of their income. Low doc loans are quite popular with small business owners who would otherwise not qualify for a traditional loan.

  • You may be wondering why a small or medium sized business owner may want to take this direction and the answer is really quite simple: there are a number of advantages associated with low doc loans. Here are some of them.

  • Home loans for the self-employed: Every adult has a dream of becoming a home owner one day regardless of what they do for a living. When saving up to buy a home, the loan application process can be quite difficult especially if you do not have your documents well organised. Low doc home loans are specifically designed to help people who have bad credit, or those who have existing equity or a deposit saved up but don't have access to all of the financial statements normally required, for more information on obtaining low doc home loans visit this site. Basically, low doc loans enable you to get closer to owning your own home without having to deal with the normal red tape associated with financial institutions.

  • Less paperwork: This does not mean that there is no paperwork needed. The only difference between the traditional loans and the low doc commercial or business loans is that the application process is simpler. All you have to do is provide proof of a regular income. The paperwork needed is a bank statement that shows how you have transacted and a letter from your accountant.

  • People or organisations with bad credit scores can still be considered for a loan: Usually, if you have a bad credit score you would not be eligible for any kind of loan which means that if you are trying to get your life together, you would not be able to and as a result, you will remain in the financial hole you are in. With low doc loans, you or your commercial business could still eligible for a low doc business loan if you can reasonably present your case, click here to find out more

Even though low doc loans are generally more attractive to customers in general, there is still some criteria the lenders follow.

First of all, the lender will need to prove that the customer in question has a steady source of income. For this, you need an Australian Business Number that has been registered for at least twelve months. Apart from that, you will need to put down a deposit in case of a mortgage, usually 20%, provide a solid credit history and evidence of existing credit performance which might include repayments on current loans and/or unsecured debts.

All you need to do is visit your local financial institution and talk to them about securing a low doc loan. That might be all standing between you and a business or commercial loan or even a mortgage.