How Electric Underfloor Heating Can Improve Quality of Life

Few things are more pleasing than waking up on a cold winter morning and putting your feet down on a perfectly warmed floor. In fact, a warm floor for your feet is often even more satisfying than heating the air in your house. After all, most people understand how to dress properly during the colder months. But a cold floor can just ruin everything, no matter how well you are dressed.

Unfortunately, the traditional way of heating a home is to heat the air, which of course does not stay warm for very long if the walls and the floor are still cold. And in many places unfortunate enough to have stone or tile floors placed atop a bed of solid concrete with no hint of insulation, the floor is always cold.

The solution is to either continuously heat the air in your home, leading to exhorbitant electric and gas bills, or to turn to electric underfloor heating.

Electric underfloor heating is a fairly new technique that consists of installing electric under floor heating cables made of copper. The cables are attached to electric underfloor mats that provide a great deal of flexibility making them suitable for rooms of any shape and size.

Combining the electric underfloor mats with thermal insulation boards will at the same time provide the pleasant aforementioned experience and trap the generated heat, thereby warming the entire house while cutting down on energy costs.

To really understand the benefits of electric underfloor heating, consider the way most homes are now heated. A large gas-powered boiler pumps hot water to wall-mounted radiators situated in each room. Those radiators heat the surrounding air very slowly and unevenly. You set a certain temperature, but that temperature is only ever reached right next to the radiator.

Furthermore, the radiators themselves take up much needed wall space and are often unsightly.

In newer homes, radiators have largely been replaced by central heating and air conditioning units, which have their own disadvantages. A central heating and air conditioning unit will manage to heat more of the air in a house than will wall-mounted radiators, but the warmest areas will continue to be right around the source of heat, in this case the air vents. These units also create a large amount of dust that is blown into the house along with the heat.

Last but certainly not least, central heating and air conditioning units add to the energy costs of traditional radiators by requiring electric-powered fans.

Contrast all that to the primary benefits of electric underfloor heating

1. Electric underfloor mats are fitted to each individual room, ensuring an even distribution of heat;

2. Electric underfloor heating combined with thermal insulation is able to heat an area quickly, requiring the system to be turned on for a minimum amount of time;

3. Electric underfloor heating is invisible and does not take up any living space;

4. Electric underfloor heating does not create dust or any other byproduct;

5. Electric underfloor heating reduces traditional heating energy costs by up to 15 percent.

Best of all, the electric under floor heating system can be installed in any house, new or old, with far less trouble than other temperature control systems. An electric under floor heating system can even be installed on your own, as it is roughly similar to laying wall-to-wall carpeting.

For those experiencing difficulties heating their homes, electric under floor heating is the solution and can lead to greater quality of life.

Homeowner Loans Explained

Loans do not need to have such a high interest, nor do they need to be relentless to the consumer paying off the loan each month. There are a number of loans that cater to consumers who meet the requirements.

The homeowner loan is a good option for anyone who own’s their own property. This loan has been benefiting knowledgeable homeowners that know how to take advantage of good offers.

A homeowner’s loan is a type of secured loan where the homeowner will use their property against the loan. If the borrower was to default on the loan there is a risk the property will be taken away. This means less risk for the lender which means attractive rates are more available for the borrower.

The lender is looking for a loan that will give borrowers the motivation to make sure that payments are met, that way the lender will see the return on their investment. There is more motivation for the borrower to pay back the loan as they know there is a chance of losing their home. This is why the lender is happy to give better interest rates because the motivation is there.

It is always important to read through the contractual agreement between the lender and the borrower as some lenders may try and force some unfair terms on to the borrower, such as the homeowner losing their home after one late payment. Everyone know’s that missing a payment can happen for whatever reason, this should not warrant a homeowner losing their property. Shopping around for the best deals can prevent this from happening.

There should be a special note made on predatory lending, the reason being homeowners put their most expensive items up their house in case of a default on the loan. Lenders practising under unfair terms can obtain the house and benefit from auctioning or selling the house.

Interest rates can seem very appealing to a homeowner which means they can rush into getting a secured loan. Homeowners need to be careful when reading through the contract taking notes on the finer points. If one does not understand questions that may arise it is important to seek the help of someone who understands the topic. It is better to pay for professional guidance rather then losing one’s home because the terms of agreement were not understood properly.

Last comments

Borrowers need to heed advice, that before taking out a loan it is important to make sure that the contract is fully understood, if not seek professional help from someone who knows the topic or a lawyer. With predatory lending and unfair terms so frequent it is vital to find the good lenders and be very aware of the bad lenders.