Currently viewing the tag: "remortgage"

The no money left in secretHave You Ever Wondered Why Some People Make Money From Property Whilst Others Fail?

Rob Moore and Mark Homer have built their substantial wealth and expert reputation through hands on property investment and the continued education of committed property investors and now they have a very special offer for Spotlight readers…

7 Top Flip Tips and...The No-Money-Left-In Secret Report
You COULD pay thousands of pounds to attend a property investment seminar, but you’d still NEVER learn the basics as thoroughly as this report provides!
It’s like having a multimillionaire expert investor explain his entire strategy to you over lunch (without worrying about the bill)!

Because this unedited and uncensored document explains how you can cash in on the Buy-To-Let Property Boom right now, even if you’ve never bought a property… or never thought you could!

Free Download
It’s the kind of straight-to-the-point explanation EVERY beginner wants and searches for, but is (deliberately) difficult to find!

Now the secrets of profiting from property are accessible to everyone…

And a Property Investor’s Masterclass, fully detailed with accurate examples, is now available in a concise, easy-to-read PDF Document.

The authors are offering you a copy of this fantastic report here, without charge:

Click Here To Download Your Copy
After reading this short report you’ll understand how new investors in their 20’s, 30’s, 40’s, 50’s and in retirement are able to buy houses for short-term cash profit, equity growth, and instant cashflow.

Even if they have poor credit, debt, or very little spare time.

This eye-opening report document gives you:

The FULL Buy-Refurb-Remortgage strategy broken down into sections, with visual models that make understanding the nuts and bolts easy
A step-by-step guide explaining the “WHY” & the “HOW” of this fundamental investment model − Understand the strategy & the principals behind it!
Investor terminology explained in simple terms: “LTV”, “NMD”, “ERC”, “BRS”
Percentages, costs, and timeframes for each section explained (and you WON’T need a calculator or a degree in maths)
A bonus section outlining the lucrative “Buy To Sell” model in the same direct detail (with Flip Analysis, Rightmove examples, & the 7 Top Flip Tips)
Examples and stories from private investors just like YOU, who have used the information in this document to build cash-flowing portfolios in months! (and one who bought 8 properties in less than 12 months using NONE of his own money! He explains how…)
So take a copy now and discover the REAL secret that ‘experts’ claim to have known for years:
Click Here To Download Your Copy
Rob Moore & Mark Homer
Co-Founders of the Progressive Companies
Full Time Property Investors & 4x Best Selling Authors
Over 350 Properties Bought & Sold
Progressive Property - Invest for freedom, choice and profit

 

Rob Moore

Rob Moore

Get (Rob) Moore …

From Your Property Investments!

A couple of weeks ago, Rob Moore from Progressive Property surveyed a segment of their 126,000 property investment subscribers including the newest people to join their email list. Progressive asked property investors what were their biggest roadblocks to getting those first few CASHFLOWING buy-to-let properties into their portfolio.Property investors, just like you, say they’re struggling with:

  • Lack Of Finance
  • Sourcing Below Market Value Deals
  • Buying 5 Investment Properties In A Year
7 Property Investment Top Tips and The “No-Money-Left-In” Secret!

7 Property Investment Top Tips and The “No-Money-Left-In” Secret!

And those property investors who answered the progressive survey wanted more practical and useful resources and additional online training to help them smash through the negative roadblocks that were holding them back.

So with that in mind Progressive have launched the  The Buy Refurbish Remortgage BlueprintThe “No-Money-Left-In” Secret [PDF] and it is available for a limited time so grab your copy now! 

Below is a copy of the responses that the survey generated:

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7 Property Investment Top Tips and The “No-Money-Left-In” Secret!

7 Property Investment Top Tips and The “No-Money-Left-In” Secret!

Finally Someone Is Prepared To Tell The Truth
About Property Investment!

Would be property investors COULD pay thousands of pounds to attend a property investment seminar, but you would still NEVER learn the basics as thoroughly as this!

It’s like having a multimillionaire expert property investor explain his entire property investment strategy to you over lunch (without worrying about the bill)

Because this unedited and uncensored property investment document explains how you can cash in on the Buy-To-Let Property Boom right now, even if you’ve never bought a property before… or never thought you could!


 The Buy Refurbish Remortgage Blueprint – The “No-Money-Left-In” Secret [PDF]

It’s the kind of straight-to-the-point explanation EVERY property investment beginner wants and searches for, but is (deliberately) difficult to find!

Now the secrets of profiting from property investment are accessible to everyone…

And a Property Investor’s Masterclass, fully detailed with accurate examples, is now available in a concise, easy-to-read PDF Document.

These 2 expert property investment authors are offering you a copy here, without charge:

 The Buy Refurbish Remortgage Blueprint – The “No-Money-Left-In” Secret [PDF]

Continue reading »

Is The Mortgage Market Review Slowing The UK Property Market?

Is The Mortgage Market Review Slowing The UK Property Market?

Is The Mortgage Market Review Slowing The UK Property Market?

The number of new mortgages being approved by lenders dropped to an 11 month low in May 2014 as the new affordability rules brought in by the Mortgage Market Review (MMR) caused borrowers to be put off and delayed hundreds of existing mortgage applications.

The Mortgage Market Review brought in on the 26th April 2014 requires all UK based mortgage lenders to carry out rigorous affordability checks on the financial status of borrowers.

These stringent affordability checks include stress tests designed to determine if a borrower could continue to repay their loan if interest rates rise significantly.

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Mortgage Market Review Hits UK Property Market

Mortgage Market Review Hits UK Property Market

Mortgage Market Review Affected Housing Market Before Launch

The new regime for the approval of mortgages came into force over the weekend (26th April 2014) but even before it was officially launched it was having a dramatic effect on applications, with loan offers being carefully scrutinised and the impending process had lenders asking even more questions before approving any mortgage offer.

I experienced the vagaries of the system myself, when taking a call from a lender the day before funds were due to be released, I was asked to provide even more details than ever before on a loan application, culminating in further delay to purchasing, and the details I had to provide and verify could have been done weeks before.

The lender said the additional information was in order to comply with MMR and this was before the official launch date. The property I was purchasing should have completed last week, before the MMR introduction date, but the delays caused by the lender requesting verification of the additional information required to process my loan meant that the loan process was delayed and resulted in dragging things out, until 9am today, when my solicitor called me to say that the purchased had finally completed.

The additional requirements of the MMR will result in the death of quick purchasing by property investors, however, I now know that in order for loans to be agreed that I have to provide extremely detailed accounts, financial projections, and provide verified proof of everything I have ever done in order to prove affordability.

The personal finance industry publication Mortgage Strategy says 7 out of 10 mortgage brokers reckon that it will be harder and slower for prospective purchasers to get a mortgage loan under the new MMR regulations.

For all new mortgage applicants it means not only providing evidence to the lender of all income and earnings including payslips or audited and verified accounts for the self-employed, but also requires providing details of all spending, too.

Mortgage applicants must itemise and cost spending on things they cannot do without, as set out in a list provided by the Financial Conduct Authority (FCA), including food, household cleaning and laundry, all heating costs, water bills, telephone, essential travel and existing property charges such as council tax, buildings insurance, ground rent and service charges for leasehold apartments.

Applicants must also disclose discretionary spending on clothes, household goods, personal goods such as toiletries or leisure activities.

The FCA says mortgage applicants must itemise other debts such as credit card bills, outstanding loans, child maintenance and alimony payments.

Mortgage lenders and finance providers must consider how interest rates are predicted to change over the next five years, to gauge the affect on borrower’s mortgage repayments. If payments are likely to go up then the lender will check that the borrower can afford it based on disclosed financial commitments.

And if mortgage terms extend into a borrower’s retirement, the lender has to check on pension income predictions too, in order to judge continued affordability.

How To Invest In Property Leaving No-Money In The Deal

How To Invest In Property Leaving No-Money In The Deal

The No Money Left In

Property Investment Secret! 

Some property investors pay out many thousands of pounds to attend multiple property investment courses , workshops and seminars, but they still never learn the basic property investment strategies as thoroughly as they would like to!

It’s like having lunch with a Multi-Millionaire  property investment expert, who explains an entire property investment strategy to you over the table between mouthfuls.

Now Rob Moore & Mark Homer from Progressive Property have released an unedited and uncensored document to explain to property investors how to cash in on the current Buy-To-Let Property Boom, even if you’ve never bought a property before… or never thought you could afford to buy property!

 The Buy Refurbish Remortgage Blueprint – The “No-Money-Left-In” Secret [PDF]

This document is the kind of straight-to-the-point explanation of property investment strategy that every novice property investor and a few of the professionals need

This is the type of information that everyone wants and searches for, but is made deliberately difficult to find!

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Mortgage Loan Approvals Increase

Mortgage Loan Approvals Increase

More “Help To Buy” Mortgage Lenders Announced

The number of mortgages given to first-time buyers increased by a third in the 12 months to August 2013 according to the latest data from the Council of Mortgage Lenders (CML), with new entrants to the property market accounting for 44% of all residential property purchases during the month.

The CML figures were published as Barclays became the latest high street lender to confirm it was signing up to the second part of the government’s Help to Buy scheme, which is designed to make more 95% mortgages available to first-time buyers, second steppers and home movers.

Barclays join Santander, RBS, Halifax and HSBC in confirming it will use the taxpayer-backed guarantee to make high Loan-To-Value (LTV) mortgages available for property purchasers, meaning that more than half of UK mainstream mortgage lenders are now signed up to provide more mortgages at higher loan to value ratios.

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UK Property Prices Increase Again

UK Property Prices Increase Again

UK Residential Property Prices
Return To Good Health

UK residential property prices increased again in June 2013, marking the return to good health of the property market.

Property price rises are at their fastest rate in over two-and-a-half years as mortgages became more available and less expensive, adding to fears of another property market bubble as overall housing supply remains low.

The latest monthly residential property price index from UK mortgage lender, Nationwide, shows that UK property prices were up 0.3% in June 2013, while the annual increase of 1.9% was the sharpest residential property price increase since September 2010, but those gains were below the 0.4% monthly rise and 2.1% year-on-year price increases forecast by many economists.

In May 2013, residential property prices rose an unrevised 0.4% on the month and 1.1% on the year overall, signalling the recovery of the UK property market.

The number of mortgages approved by UK banks also increased by a quarter in the twelve months to May 2013. However, over the same period, the value of outstanding mortgage loans secured on property dropped by 0.2%.

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2nd Consecutive monthly fall in residential property mortgage approvals

2nd Consecutive fall in residential property mortgage approvals

Mortgage approvals for UK residential property

purchases dropped in February

The Bank of England (BoE) has confirmed that residential mortgage lending fell for a second successive month in February 2013 reinforcing previously released data from the Council of Mortgage Lenders (CML) and the British Bankers Association (BBA).

The Bank of England figures show that 51,653 residential property mortgages were approved in February, the lowest number since September 2012.

The overall figure was down on the Bank’s revised figure of 54,187 mortgage approvals expected for January, and the amount of mortgage approvals for the purchase of residential properties were less than was originally predicted for February.

Economists had forecast a fall in mortgage approvals, down to 53,700, according to a panel of estimates by Bloomberg. However, the Bank of England have said that remortgage lending in February had increased by 3.8% to 26,771.

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Boost For First Time Buyers As Banking Group Announces Lending Target For 2013

Lloyds Pledge To First Time Buyers

Lloyds Pledge To First Time Buyers

Lloyds Banking Group has committed to lend £6.5 Billion (GBP) to First-Time Buyers by the end of 2013 which is expected to help up to 60,000 new borrowers.

In July 2012, the Group committed £5 Billion (GBP) towards helping First Time Buyers (FTB’s) by the end of the year.

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There Will Never Be A Better Time To Invest In Property

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