Molly Govus, la última incorporación al equipo de contenidos de SpotDif, aporta un toque único a su función, equilibrando con maestría la profesionalidad y la destreza investigadora con la creatividad literaria.

Molly lidera la creación de blogs y contenidos relacionados con el sector sanitario, ayudando a los lectores de SpotDif a encontrar las soluciones ideales. Siempre está al tanto de las últimas novedades del sector y se esfuerza por transmitirlas de forma clara y concisa.

Molly es una ávida aficionada a las novelas de suspense psicológico y a menudo se la puede encontrar cocinando una deliciosa comida para disfrutarla mientras ve una película junto a su gato Bob.

Molly Govus

LinkedIn

Especialista en el sector sanitario

Con más de dos años de experiencia en redacción publicitaria a sus espaldas, Anna Dearden es una pieza fundamental en el engranaje de creación de contenidos de SpotDif. Su talento para las palabras abarca la poesía y la escritura de ficción, así como la elaboración de artículos de blog convincentes y textos web. 

Como principal especialista de SpotDif en el sector de las reformas del hogar, Anna ofrece a los lectores orientación relevante para ayudarles a encontrar las soluciones que necesitan. Su capacidad para investigar y presentar conceptos complejos de una manera accesible y cercana la distingue de los demás.

Cuando no está escribiendo, a Anna le gusta mantenerse activa y escuchar música. A menudo se la puede encontrar yendo a su piscina local, o disfrutando de cualquier tema de una cara B de Fleetwood Mac.

Anna Dearden

Especialista en el sector del hogar

Diving into the world of cryptocurrency can feel like stepping into unfamiliar territory. Are you looking to explore the realm of cryptocurrency investment but not sure where to start? You're in the right place. Cryptocurrency offers a fresh perspective on finance, reshaping how we think about money. 

For many looking at alternative finance options, it’s an exciting prospect but it can also be a bit overwhelming. Don't worry — we're here to guide you through the basics, ensuring you're well-equipped to begin your journey into the alternative finance world of cryptocurrency.

Please note: This blog is for informational purposes only and does not constitute financial advice, investment advice, or any other sort of advice. Cryptocurrency investments carry risks, and it is important to conduct your own research and consider seeking advice from a financial and/or investment professional before making any investment decisions. 

The views, thoughts, and opinions expressed in the blog belong solely to the author, and not necessarily to the author's employer, organisation, committee, or other group or individual. SpotDif is not responsible for any actions taken as a result of reading this blog. Remember, the value of investments can go up as well as down, and you could get back less than you invest.

What type of investment is cryptocurrency?

Cryptocurrency is a digital or virtual form of currency that uses cryptography for security, making it hard to counterfeit. As a form of alternative finance, it stands out from traditional investments. Why? Because it operates on decentralised networks, offering a new level of freedom and flexibility. But remember, with great potential comes great risk. The market is volatile, meaning prices can swing wildly. It's not for the faint-hearted, but for those willing to embrace its ups and downs, the rewards can be significant.

How many types of cryptocurrency are there?

Did you know the world of cryptocurrency extends far beyond the household names of Bitcoin and Ethereum? Indeed, the landscape is teeming with thousands of digital currencies, each offering its own unique proposition. Aside from the well-known giants, there are alternatives like Litecoin, known for its faster transaction times, and Ripple, which aims to facilitate real-time cross-border payment systems. 

But the diversity doesn't end there. From Cardano, designed to address scalability and sustainability issues, to Polkadot, which seeks to enable different blockchains to communicate with one another, the options are nearly limitless. This plethora of cryptocurrencies not only provides a broad spectrum for potential investment but also reflects the innovative spirit driving the sector. 

For investors, this means the opportunity to craft a portfolio that not only aligns with their financial goals but also their interests and belief in the technology's potential to transform the financial landscape. 

As the digital currency space continues to evolve, staying informed and understanding the unique aspects of each cryptocurrency becomes paramount in navigating this dynamic market.

Where to start with cryptocurrency investment

Once you have a basic understanding of what crypto is and the types available, it’s time to think about how you can invest. Let’s take a look at the steps you’ll need to take to invest in this intriguing market. 

Starting your cryptocurrency journey begins with choosing which currencies to invest in. Research is key. As discussed above, look beyond the popular names and explore what makes each crypto unique. What's its purpose? How is it used? This will help you make informed decisions.

Next, you'll need a platform to buy and sell your chosen cryptocurrencies. There are many out there, each with its own set of features, fees, and security measures. Take your time to compare and find one that aligns with your needs.

Cryptocurrency trading platforms are essentially digital marketplaces where you can buy, sell, or exchange cryptocurrencies for other digital currency or traditional currency like GBP or USD. These platforms are the bridges between your investment decisions and the realisation of potential profits (or losses).

There are two main types of platforms: centralised and decentralised. Centralised platforms act as a middleman between buyers and sellers, providing a more user-friendly experience, often with added features such as customer support, enhanced security, and a wider variety of cryptocurrencies. However, they require users to entrust their funds, which introduces a risk of hacking.

On the other hand, decentralised platforms operate without a central authority, offering a peer-to-peer trading environment that advocates for anonymity and a reduced risk of hacking. However, they might be less intuitive for beginners and offer fewer cryptocurrencies to trade.

Navigating through the sea of available platforms, each boasting its unique offerings, can be daunting. SpotDif simplifies this process by comparing a variety of cryptocurrency trading platforms, highlighting their features, fees, security measures, and more. 

We help you cut through the noise, providing clear, concise comparisons that allow you to identify which platform best suits your investment style, security preferences, and financial goals.

Feeling baffled by blockchain or confused by consensus mechanisms? Crypto comes with its own language. This crypto jargon might seem like a foreign language at first, but getting to grips with these terms will illuminate the path ahead. Here's a breakdown of some essential cryptocurrency terms that every new investor should know:

Understanding these terms is a fantastic start to becoming fluent in crypto speak. It's like learning the basic rules of a new game — once you know them, you can play more effectively and make more informed decisions.\

4. Storing your cryptocurrency in a wallet

“Wallet” is another term you need to know early on in your cryptocurrency investment journey. Ultimately, A digital wallet stores your cryptocurrency securely. There are two main types:

When choosing which of these options to go for, consider how you plan to use your crypto.

Making wise cryptocurrency investments: top tips

Cryptocurrency investment requires a blend of patience, thorough research, and a strategic mindset. It's tempting to jump on the latest trend, but the key to success lies in understanding the market's nuances. 

Take the time to study how cryptocurrencies fluctuate and what influences their value. 

Diversification is another vital strategy. By spreading your investments across different types of cryptocurrencies, you minimise the risk of a single investment negatively impacting your entire portfolio. 

Don’t risk more than you can afford to lose

Always adhere to the golden rule of investing: only commit funds that you're prepared to part with. The crypto market's volatility means values can soar or plummet in the blink of an eye. Equipping yourself with a solid foundation of knowledge not only empowers you to make informed decisions but also enhances your resilience against the market's unpredictability. 

In essence, wisdom, caution, and education are your most valuable assets in navigating the vibrant yet complex world of cryptocurrency investment.

Find the right crypto platform for your investment with SpotDif

Ready to dive in but not sure where to start? SpotDif is here to help. We compare a variety of cryptocurrency trading platforms, helping you find the perfect match for your investment goals. Whether you're a beginner or seasoned investor, our comparisons make choosing the right platform simpler, letting you focus on what really matters: making wise investment decisions in the exciting world of cryptocurrency.

Learn more about cryptocurrency exchanges and 

Explore the basics of cryptocurrency investment with our guide. Learn about types, trading platforms, and top tips for making wise crypto investments.

Cryptocurrency 101: Where to start with crypto investment

Getting ready to own your first home is exciting. But, let's face it, figuring out how to get your first mortgage can feel a bit overwhelming. Where do you start? What should you look out for? 

That's where we come in. At SpotDif, we're all about making complex decisions simpler. Whether you're trying to understand mortgage types, navigate credit checks, or work out how a 

 can help you get the best deal, we've got your back. This guide will walk you through each step, offering clear mortgage advice to ensure you're equipped to make informed choices. Ready to dive into the world of first-time buyer mortgages?

A mortgage is essentially a loan that helps you buy a property. You'll borrow money from a lender and pay it back over time, usually with interest. The property is collateral, meaning the lender can take it back if you can't make your payments.

Mortgages come in various forms, offering different interest rates and repayment methods. Understanding these options is essential, as your mortgage will likely be one of your most significant financial commitments.

Let’s take a quick look at the mortgage types available:

Which type of mortgage is best for first-time home buyers in the UK?

So, which of the above mortgage types is most suited to those buying their first property? It often boils down to balancing stability with flexibility, tailored to your financial situation and future plans.

Fixed-rate mortgages are a strong starting point. They lock in your interest rate for a set period, typically 2-5 years, meaning your monthly payments won't change during this time. This predictability is golden for budgeting, especially for those new to managing such a significant financial commitment. You'll have peace of mind knowing exactly what you owe each month, without the worry of interest rates climbing.

However, if you're someone who likes to keep their options open, or you're planning on a significant change in the near future, a variable rate mortgage could offer more flexibility. These rates can go up or down, which might suit you if you're anticipating a potential move or income change.

Tracker mortgages, which adjust with the Bank of England's base rate, can also be appealing for the financially savvy first-timer, offering a middle ground between fixed and variable rates.

Ultimately, the best mortgage for first-time buyers is one that fits your budget, lifestyle, and future goals. Consulting with a mortgage advisor can help demystify the options and tailor a solution that's just right for you.

How can a mortgage broker help you find the best deal on your first mortgage?

 acts as a go-between for you and potential lenders. They can offer tailored advice, recommend mortgage products that fit your situation, and even handle the application process for you — this can be particularly helpful for those new to the property market.

What’s more, brokers have access to deals that might not be directly available, potentially saving you time and money. 

Mortgages come with various fees and features that can affect your long-term financial health. Brokers have the expertise to explain these in layman’s terms, helping you to avoid potential pitfalls. They'll ensure you're not just getting a great rate, but also a mortgage that fits your long-term needs without hidden surprises.

Once you’ve found a mortgage broker, it’s worth making a note of some key questions to ask them. These will help you cover all bases and feel confident in your mortgage decision.

1. Which mortgage lenders do you think are the best fit for my situation, and why?

This question opens the door to a tailored discussion about your financial landscape. It's about matching you with lenders who not only welcome your application but also offer terms that fit snugly with your plans and budget. The broker's response will highlight the nuances of different lenders' criteria and the reasons they might be a good match for you.

2. Can you itemise all the costs involved in securing a mortgage

Brokers know the terrain and can guide you through common fees, from application fees to valuation fees and beyond. This detailed breakdown helps ensure there are no surprises, allowing you to budget effectively for your move.

3. How will my credit history influence the deals I can access?

Your credit history paints a picture of your financial reliability. A broker can explain how this picture influences lenders' perceptions and your mortgage options, providing tips for improving your financial reliability to lenders if needed.

4. Based on my finances, what mortgage amount could I realistically borrow?

This question is about understanding your borrowing power without stretching yourself too thin. It’s a bit like figuring out how much you can comfortably spend on a night out, ensuring you can still enjoy life and meet your mortgage commitments.

5. What's the typical timeline for mortgage application to approval with the lenders you work with?

Getting a sense of the timeline helps you plan your move more accurately. It's akin to tracking a parcel; knowing when it's likely to arrive lets you prepare for its reception. Your broker can outline the process, including any potential delays, so you can manage your expectations and planning effectively.

Asking these questions not only helps clarify the mortgage maze but also strengthens your relationship with your broker. They're your ally, equipped to navigate you through the complexities of the mortgage market, ensuring you feel confident and informed every step of the way. With their expert guidance, you're better prepared to make decisions that align with your dream of homeownership.

A step-by-step guide to applying for your first mortgage

Applying for your first mortgage is a significant step, but breaking it down into manageable stages can make the process clearer and more straightforward. Here's a step-by-step guide to help you through.

Your credit score is vital because it affects your mortgage interest rates. A higher score can lead to better rates, so it's worth checking this early on.

Aim for a solid deposit to improve your loan terms. The minimum you’ll need is 5% of the property price, however, most lenders ask for at least 10%. Ultimately, the more you save, the better — a hefty deposit not only enhances your borrowing terms but also shows lenders you're serious about becoming a homeowner.

Use mortgage calculators and seek mortgage advice to understand how much you can afford. This preparation will help you set realistic expectations for your budget.

A mortgage broker or advisor can provide personalised advice based on your financial situation. They can guide you through your options and help you understand the best path forward.

Select the type of mortgage that fits your financial situation best. Consider the terms, rates, and whether a fixed or variable rate suits you better.

Once you've chosen a mortgage, it’s time to submit your application along with all the required documents. Make sure everything is complete and sent on time to avoid delays.

The lender will conduct a valuation of the property. If they're satisfied, they will make you a mortgage offer. This is a critical step towards securing your mortgage.

Discover the essential steps for first-time buyers applying for a mortgage, from checking credit scores to choosing a mortgage broker.

The ultimate mortgage guide for first-time buyers

Home insulation is an important factor in keeping your home comfortable and your energy bills low. When it comes to insulating your loft, however, there are several varieties of material and different thicknesses to choose from — which should you go for? 

Read on for all you need to know about recommended 

 thickness and which might be best for your home. 

Before we look at loft insulation thickness options, let’s explore what this form of home insulation does. Ultimately, loft insulation helps keep warmth in when the weather is cold and makes sure your property is cool in the summer. It’s usually made from materials such as fibreglass, wool, or foam, and it’s available in different thicknesses. 

Loft insulation works by trapping heat in the loft or attic, making it less likely to escape through the roof. 

Loft insulation is an important part of any energy-saving strategy and can be used in conjunction with other measures such as double-glazing and cavity 

. It’s an excellent way to reduce your energy consumption and keep your bills low.

A note on safety: If you’re considering a loft conversion or want to replace your attic insulation, it’s important to get an asbestos survey carried out. If your attic space contains asbestos, you’ll need to hire a professional to remove it.

How thick is loft insulation meant to be?

When searching for the best loft insulation, you may have noticed a range of thicknesses on offer. The most common loft insulation thickness is around 270mm, but there are also options as thin as 100mm available. In the 1980s, many people would have been asking “is 50mm enough for loft insulation?” But now we know that anything below 100mm is going to offer very poor insulation.

Be aware that, since 2003, building regulations state that insulation in new builds must be a minimum of 270mm thick, regardless of material. 

If you’re adding new insulation to an existing space that’s already insulated, look at the insulation thickness already installed. And if the insulation in your attic or loft is thinner than 270mm, you’d benefit from adding more layers or replacing it completely with something thicker.

In general, the thicker the loft insulation, the more effective it will be at preventing heat loss. However, thicker loft insulation can also be more expensive to install. As a result, it’s important to weigh your options carefully and choose the loft insulation thickness that is right for you.

Some people suggest that too much loft insulation can cause damp issues however, this is unlikely. Installing insulation that’s thicker than 270mm shouldn’t result in damage. However, it probably won’t offer a huge amount of benefit either. 

Beyond 270mm, you could end up spending excess money with no real return.

What insulation should I use for a loft conversion?

As previously mentioned, 270mm is the legal requirement for a new build. For a loft conversion, current regulations state you must ensure:

For an attic conversion with a pitched roof, your best bet is to insulate between the roof’s joists. This will ensure the space is warm and comfortable so you can use it as a living space. 

Do you share a roof with a neighbour? If so, it’s best to insulate your roof both between and under the rafters. When doing so, make sure that you leave 50mm of space above the insulation to allow for ventilation.

Find great deals on loft insulation with SpotDif

 to your attic space, replacing it all, or carrying out a loft conversion, make sure you find a reliable, professional insulation fitter. 

At SpotDif, we compare hundreds of deals from insulation companies in your local area so you can get excellent service at a great price. Start your search and give your property the thermal boost it deserves.

Improve your home’s energy efficiency with loft insulation — but how thick should it be? Find out with SpotDif.

What thickness is recommended for loft insulation?

For owners of listed buildings in the UK, the desire to embrace renewable energy has often collided with the formidable hurdle of securing Listed Building Consent (LBC) from local councils. The need for this consent before installing 

 has tended to be a lengthy and stressful process, leading many to abandon their eco-friendly aspirations.

But with the government announcing a relaxation on planning rules, could those living in listed properties finally be able to boost their eco credentials?

Why has it been difficult for listed homeowners to get solar panels and heat pumps?

In the past, attempting to introduce solar panels or heat pumps onto a Grade II listed property involved navigating bureaucratic hoops. Each alteration required LBC, meaning owners had to submit detailed plans and endure lengthy reviews. 

Many people also faced their plans being rejected, elongating the process even more. 

With such stringent criteria to follow, it’s no surprise that many people gave up on their hopes of making eco-friendly home upgrades altogether. 

How is the government changing the rules for listed buildings? 

Fortunately, a new ray of hope has emerged for owners of listed buildings seeking sustainable energy solutions. The UK government recently announced a relaxation of planning rules for protected buildings in England, allowing property owners to install heat pumps and solar panels. This policy shift forms part of broader strategies to achieve ambitious net-zero targets.

So, what exactly does the change in regulations entail? Essentially, homeowners will now be able to benefit from a more streamlined process, reducing the need for extensive consent for certain renewable energy installations. 

Moreover, the government is offering financial support through grants, such as the Boiler Upgrade Scheme. The scheme has been around for a while but, in October 2023, the government raised the amount on offer to £7,500. This means many more property owners will be able to afford 

Wondering if heat pumps and solar panels are a good step for you? No matter what kind of property you live in — listed or new-build — these renewable energy options are as much about cost-efficiency as they are green living. 

Heat pumps, for example, offer a transformative solution by efficiently extracting heat from the environment, providing sustainable heating while slashing energy bills. Their operational efficiency reduces reliance on traditional heating systems, leading to substantial long-term savings. 

Solar panels, meanwhile, harness the sun's abundant and renewable energy, offering a dual benefit. They not only reduce dependency on non-renewable energy sources but also significantly curtail electricity expenses. You can generate electricity, effectively cutting down on your utility bills — you can even sell surplus energy back to the grid.

The government's concerted efforts to make these technologies accessible to all homeowners underline the essential shift towards renewable energy. By easing planning regulations and offering grants, they're empowering individuals to embrace sustainable solutions — a vital step in combating climate change. 

Compare suppliers and embrace sustainable energy with SpotDif

Now is the perfect time to embark on your eco-friendly journey and embrace the advantages of 

 — even if you live in a listed property. Don’t let outdated planning restrictions deter you from reducing your carbon footprint and embracing renewable energy sources. With SpotDif, you can explore the array of options available and take advantage of government grants to facilitate the installation process.

We're committed to simplifying your search for the best deals on installation services. Try our handy platform to explore your options, compare quotes, and kickstart your journey towards sustainable living effortlessly.

The UK government is relaxing rules on listed buildings, meaning more homeowners can install heat pumps and solar panels.

Will new planning rules make it easier for owners of listed buildings to install heat pumps and solar panels?

Are you thinking about refinancing your commercial property but feel overwhelmed by the complexity? You're not alone — but don’t worry, we're here to break down the process into simple, manageable steps. Navigating the world of property remortgage — whether it’s domestic or commercial — can be tricky. 

But with the right mortgage broker, you'll be on your way to securing favourable commercial mortgage rates in no time. Why settle for less when you can have the best advice at your fingertips? 

Have you ever wondered what remortgaging entails? In essence, it's the process of switching your current mortgage to a new one, potentially with a different lender or under different terms.

Both homeowners and business owners can go through the process of remortgaging, and when it comes to commercial remortgaging, the search is about more than just getting a better deal. It's about strategically enhancing your business property's financial position, too — whether that's for a charming boutique or a dynamic office block. 

Think of commercial remortgaging as a financial renovation for your property, offering potential benefits like reduced repayment amounts or freeing up some of the capital tied up in your property. However, it's crucial to stay aware of the extra fees and legal considerations that come along. By understanding the entire scope, you're empowered to make a well-informed decision for your business's future.

Commercial remortgaging can be a smart business strategy — a well-timed remortgage could mean lower interest rates, resulting in smaller monthly payments and a cash flow boost. 

If your property's value has gone up, there could be hidden cash tied up in it. Remortgaging can tap into this extra equity, giving you a handy cash injection for all sorts of exciting business moves. Think upgrading your space, launching new products, or even kicking off a whole new business venture.

And how about getting your mortgage terms to fit your business today? Your business is growing and changing — shouldn't your mortgage do the same? A remortgage can align your repayments with your current situation, making your financial life a bit more comfortable.

Successfully managing a remortgage also shows lenders you're not just in the game – you're playing to win. It's about showing off your business savvy and setting yourself up for even more exciting financial opportunities down the road.

But where to start? The essential step is to evaluate your existing mortgage agreement, assess the current market value of your property, and review your business's financial standing. It's akin to conducting a thorough financial health check for your business – with the potential to emerge more financially robust! 

Seeking advice from a mortgage broker can be incredibly beneficial. They can provide invaluable insights and guidance, ensuring you make a decision that's not just good, but great for your business. We’ll look at this in more depth later on.

What is the average interest rate for a commercial mortgage?

Let's delve into the specifics — particularly, the average interest rates for commercial mortgages in the UK. As with all mortgages, there’s no single figure. Property is a fluctuating market and interest rates change frequently.

Commercial mortgage rates do, however, tend to be higher than those for residential mortgages, reflecting the varied risks involved. You can expect rates to range typically between 3% and 6%, although this can vary widely based on your business's unique circumstances and financial profile. Some can go as high as 18%. 

But the commercial mortgage you choose shouldn’t just be based on the lowest rate — you need to consider the complete package. Are you going for a fixed-rate or a variable-rate mortgage? What about the long-term costs and implications? All these factors are crucial in your decision-making process and the ideal rate is the one that perfectly aligns with your business objectives and future projections, ensuring a sound financial footing for your venture.

Need advice? The expertise of a commercial mortgage advisor can be invaluable. They can navigate the complex array of rates and offers to pinpoint the perfect match for your business needs. 

Your step-by-step guide to commercial remortgaging

Commercial remortgaging can seem daunting, but breaking it down into manageable steps makes the process more approachable and less overwhelming. This step-by-step guide will walk you through the entire process.

The first step in commercial remortgaging is to take a comprehensive look at your current mortgage and overall business financial situation. Ask yourself why you're considering remortgaging. Is it for better rates, to release equity, or to consolidate debts? Understanding your motives will guide your decisions throughout the process.

The next step is to have your commercial property evaluated. The current market value of your property will significantly influence the terms and conditions you can secure for your new mortgage. It’s important to have a realistic idea of your property's worth in the current market.

3. Researching the market – with help from a mortgage broker

Now, dive into the market research. This is where commercial mortgage comparison plays a crucial role. Compare different lenders and the rates they offer. Look beyond just the interest rates; consider factors like terms of the loan, repayment flexibility, and any associated fees. Utilising 

 can simplify this process and help you make an informed decision.

If you find the search a bit overwhelming, why not seek advice from a mortgage broker? These professionals can offer insights into the best deals available and can often negotiate better terms on your behalf, thanks to their industry knowledge and connections.

Gather and prepare all necessary financial documentation. Lenders will want to see detailed business accounts, proof of income, business plans, and possibly cash flow forecasts. The more thorough and organised your documentation, the smoother the application process will be.

With your documents in hand, it’s time to approach lenders. Your research and advice from your advisor will guide you to the best candidates. When applying, be thorough and transparent with your information to avoid any delays or issues.

Once you have offers from lenders, it’s time to compare them. Don’t rush this process. Analyse each offer carefully, considering the interest rate, the term of the mortgage, any fees, and other terms and conditions. This is where your earlier commercial mortgage comparison efforts pay off, allowing you to recognise the best offer for your situation.

After choosing a lender, you’ll need to involve a solicitor. They will handle the legal aspects of the remortgage process, including property valuation, checking the property title, and liaising with the lender on your behalf.

After your solicitor completes their checks and you’re happy with the offer, it's time to finalise it. This will involve signing contracts and agreeing on a completion date when the funds will be released and your old mortgage paid off.

On the completion date, your new mortgage will officially begin, and your previous mortgage will be paid off with the funds from the new mortgage. Your solicitor will handle the transfer of funds.

Finally, keep an eye on the market even after you’ve remortgaged. Circumstances and rates can change, and you might find opportunities to renegotiate or find a better deal in the future.

By following these steps and continually engaging in commercial mortgage comparison, you can navigate the commercial remortgaging process with confidence and secure the best possible terms for your business.

Find the right remortgaging deal for your business with SpotDif

Now you know how to remortgage a commercial property, why not get the ball rolling? With SpotDif, you can search for an array of goods and services — including remortgaging deals. We’ll help you find the right option for your business, at the best price. Search and compare remortgaging deals and mortgage brokers today. 

If you have any questions, please feel free to 

Looking to remortgage a commercial property? Learn the process and find a mortgage advisor with SpotDif. Compare and save today.

Your step-by-step guide to commercial remortgaging


A new study shows how hearing aids can reduce the risk of falling in older people

According to a new study, the use of hearing aids can help older people with hearing loss keep their balance, reducing the risk of falls.

Hearing aids can offer those with hearing loss a new lease of life. As well as improving your hearing, they can boost your overall quality of life, helping you socialise more confidently, enjoy music, and embrace the sounds of nature.

But did you know that hearing aids can also improve safety in older people? Hearing is a vital sense, and a new study has found a clear link between hearing loss and falls. The study from the 

 found that hearing aid users are less likely to experience falls. Let’s take a look at the study in more detail.

What’s the link between hearing loss and falling? 

 in people over the age of 75? This sad fact shows the importance of fall prevention in older people. There are several key strategies to help with this, including regular exercises to strengthen muscles and keeping up with any existing medication. 

However, hearing loss can also contribute to falls and balance issues. How? There are three main theories on the matter. Firstly, hearing loss leads to a lack of awareness of your surroundings, so you may not be able to spot people and objects around you as easily. Similarly, poor hearing makes spatial awareness more difficult. 

You may also find that hearing loss takes up brain resources — you need to focus on interpreting speech and other sounds, meaning there’s less capacity for navigating space and physicality.

Many people experience mild hearing loss without realising, and these are the people most at risk of falls. 

 study monitored 300 people with hearing loss and looked at the effect hearing aids had on fall rates. The results indicate that those with hearing aids who wear hearing aids are 50% less likely to fall than those without hearing aids. 

The study further found that prolonged use of hearing aids cut the chance of falling even more. Those who wear their hearing aids for a minimum of four hours each day are up to 65% less likely to fall than people without hearing aids. 

This new study gives an insight into a key benefit of hearing aids. Beyond improving social interactions and enjoyment of life's sounds, they significantly enhance safety for older individuals. By wearing hearing aids, you're not just reconnecting with the world audibly — you're also taking a proactive step in fall prevention.

It’s also essential to make sure you find the 

 — whether that’s behind-the-ear, in-the-canal or an invisible hearing aid. And getting the right hearing aid starts with finding the best 

SpotDif simplifies this process. With our easy-to-use comparison tool, you can explore various providers, comparing their offerings and prices. We’ll help you find a hearing aid that fits your specific needs and budget, giving you peace of mind and the best hearing experience.

Let SpotDif guide you to a provider that aligns with your lifestyle and hearing requirements. 

A new study from the American Geriatrics Society suggests people with hearing loss are less likely to fall if they have hearing aids. Learn more with SpotDif.

Thinking about installing solar panels? With the government announcing an update to planning permission rules, homeowners and business owners will find the process easier and faster.

There’s no denying that sustainable energy solutions are more crucial than ever, and solar panels are a great way to reduce your home or commercial space’s carbon footprint. In the past, many people have found the 

The upcoming changes are set to revolutionise the solar energy landscape by making it substantially easier for both homeowners and business owners to harness the power of the sun. Let's dive into what these solar panel changes entail and how they can represent a brighter future for renewable energy in the UK.

What’s the current process for installing solar panels?

In the past, installing solar panels has not just been a decision about going green — it’s also involved navigating a complex web of planning permissions. For homeowners, the current process can be daunting and time-consuming, often taking over eight weeks just to receive a decision —enough to put a lot of people off.

And it’s not just homeowners struggling to install solar panels — the issue has affected businesses, too. Companies looking to generate more than one megawatt of electricity have had to undergo the rigorous process of applying for planning permission, costing time and money. 

Easing the path to solar energy with new rules

Under the government’s new development rules, however, these barriers are set to be dismantled. Homeowners will find it easier to install solar panels with reduced red tape and quicker approval times. An easier process will hopefully get more homes embracing solar energy. 

For businesses, the changes are even more significant. The requirement for planning permission for installations aiming to generate over one megawatt will be scrapped. This is a game-changer. It means that 

 without the delay and cost of navigating the planning permission maze. It's a clear signal from the government: renewable energy is not just encouraged, it's being actively facilitated.

The importance of shifting to renewable energy

Transitioning to renewable energy sources like solar power is not just a trend — it’s a necessity. With climate change posing a significant threat to our planet, steps towards reducing carbon emissions are critical. As a clean and sustainable energy source, solar power plays a pivotal role in this transition.

By harnessing solar energy, the UK can reduce its reliance on fossil fuels, which are not only harmful to the environment but also subject to volatile market prices. The result? More affordable energy and a lower carbon footprint. Learn more about how 

So, what’s the longer-term goal? The UK has set an ambitious target of achieving 

Tansy Dando

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