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Burglar alarms are a mainstay of many home security systems across the UK but there are some who believe they are not that effective in preventing crime.

It is undeniable however, that burglar alarm systems are crucial to those looking to maximise their home security deterring burglars from approaching your property and give homeowners peace of mind that no-one will be able to gain access to your home without attracting attention.

Central FS is one of Scotland’s leading providers of security services and has several years of experience in burglar alarm installation.

We have used this expertise to put together this guide to both the advantages and disadvantages of installing a burglar alarm to allow you to make the most informed decision possible for your home.

Pros

There are many different reasons that installing a burglar alarm system is viewed as one of the most effective crime prevention measures available to Scottish homeowners.

Just a few of the biggest benefits of burglar alarm installation include:

Deterring Criminals

One benefit of a burglar alarm that cannot be measured but is hugely significant is the role of the system as a deterrent against potential criminals.

Just the sight alone of an alarm box installed on the front of a house, visible from the road outside, is enough to prevent the vast majority of opportunistic criminals from targeting your property and they will instead move on to look for an easier target.

This deterrent can be amplified by the installation of further highly visible security measures such as CCTV cameras as the very last thing that any burglar wants is to either be caught in the act or identified afterwards.

Reduce insurance

The better your home security measures are, the lower the risk of being the victim of theft or property damage.

This not only gives you peace of mind, but it also reassures your insurance company that they are unlikely to have to fork out to cover such incidents.

For this reason, a burglar alarm installation can actually result in your insurance premiums falling in the months and years following.

Increase House Value

Many property seekers will view a burglar alarm as a major asset to any new home, who want to feel confident that they are moving into a safe and secure environment.

It is estimated that installing a burglar alarm system with a professional security firm such as Central FS can increase the value of your property by as much as £5000, more than paying for your initial installation investment.

Cons

Overall, a burglar alarm is unquestionably a worthwhile investment to make, but there are still some negatives to consider.

False Alarms

Dealing with false activations can become tedious at times, and if this happens too often, the correct response may not occur if a real situation arises.

What is worse in this regard is that if you use an alarm response service from an accredited security firm they will notify the police of any potential security breaches and a response team will be deployed to your site.

Whilst this is one of the major benefits of a burglar alarm system, if the police are called to too many false alarms you may lose this privilege and the situation may not be taken seriously in the future if a real emergency takes place.

Luckily, all of the systems provided by Central FS are powered by the latest AI technology so your system will adapt to your environment and only activate if something is out of place.

This prevents repeat instances of alarms going off due to routine movement in your home or garden.

Ongoing Costs

It is not cheap to have an alarm system installed and even less effective DIY systems found in hardware stores can cost well upwards of £200.

Other expenses associated with a monitored alarm system include ongoing maintenance checks, a subscription to a security monitoring service.

Whilst it may be tempting to avoid these costs by not having an alarm system put in place, the cost of theft or burglary would be much higher, and if the system stops a single instance of crime on your property it will more than pay for itself.

The reduction in your insurance premium that may come as a result of burglar alarm installation will also offset these costs significantly.

 Tampering

It is possible that a criminal will attempt to steal or tamper with your burglar alarm Glasgow.

As security industry experts, at Central FS we will recommend the perfect spot for installation, usually high up on the front of your property out of reach, so that the possibility of this is much reduced.

Contact Us

Central FS are one of the UK’s leading providers of burglar alarm systems.

For more information on our products or any of the other bespoke security services that we offer, call us today on 0141 530 1244, or by email at info@centralfs.co.uk.

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A mortgage broker is a professional who specialises in searching the market for a mortgage that best suits you.

60% of mortgages are now secured through the use of a broker who can take a lot of stress out of the application process and use their connections to secure exclusive deals.

However, they do add an additional fee onto an already expensive process and many people feel that they can manage the process on their own.

If you are unsure whether or not to utilise the services of a broker when looking for your next home read on as we answer some common questions you need to consider.

Can I go straight to a lender?

Yes, if you have found a deal with a bank or other mortgage provider which you think is perfect then it is possible to apply directly to them on your own without using a broker.

However, applying for a mortgage without advice simply to cut out the middleman, or because you already use a certain bank and want to keep your finances in one place, could cost you thousands.

No matter how strong you think your relationship is with your bank there is no guarantee that they will offer you the best deal on the market, or even the best deal they have available, simply because you are a long-term customer.

In fact, many lenders reserve their best deals for customers who use mortgage brokers and taking advantage of a broker’s years of experience and contacts in the industry can help you find the policy which will save you the most money throughout its term.

Can I trust mortgage brokers?

You may have heard tales that mortgage brokers are more interested in securing a deal that gains them the most commission than one that benefits their customers the most.

It is true that some brokers have connections to one mortgage lender or a group of lenders and will attempt to steer you towards a mortgage with them as they will be financially rewarded for doing so. Many ‘in-house’ brokers are even unable to offer you the best interest rates available as they are limited by the mortgage options that their employers provide.

Using a trustworthy broker will save you money over the course of your mortgage application, but always remember to check the reviews and affiliations of brokers and ensure they offer whole-of-market services.

If you are unsure if you can trust a mortgage lender then you should start by ensuring they are authorised and regulated by the Financial Conduct Authority (FCA).  If a broker is registered to the FCA then they are committing to strict criteria and must act in the best financial interest of their customers.

By using an unregulated broker, you are putting yourself at significant risk as you will not have grounds to redress if the advice that you were given proves to be unsuitable. If you received poor guidance from an FCA approved broker, then you may be eligible for compensation if you feel you did not receive an acceptable service.

CSR Financial Services are an FCA regulated independent whole-of-market mortgage broker, who have no deals or limiting contracts with specific lenders, and by trusting us to manage your mortgage needs you can be assured we will be solely focussed on securing the best deal for you.

Will going direct to lender save me time?

If you are looking to secure a mortgage as quickly as possible dealing directly with the mortgage provider may seem like the best approach.

However, if you do not have a broker to make sure that all your documents are in order and assess your financial status before making an application then you may end up wasting a lot of time.

By assessing your income, expenditure, and future financial commitments, brokers will be able to narrow down your search and discard mortgage options that they know you will be unlikely to be approved for.

Lenders have complicated underwriting and loan terms which you must meet and if there are problems with your application or you are not deemed suitable then you will likely be declined instantly. This means you will have wasted a huge amount of time and energy on a task which a broker could have instantly told you was not worth pursuing.

If you have found your dream property and are in a rush to get a mortgage, your best option is to talk to a mortgage advisor glasgow and explain the situation. They will be able to conduct their search in an efficient manner and make sure you do not miss out simply because you spent too much time applying for the wrong mortgage deal.