Articles by Martyn Witt on ArticleSnatch.com

The Future For Buy To Let

Sun, 12 Aug 2007 00:00:00 -0400

After a series of five interest rate rises in eleven months buy to let lenders are still insisting that buy to let even today is still a sound bet. Should consumers be viewing this as merely feelgood propaganda in a time of uncertainty and should the realisation of the bandwagon having passed by that it may well be too late, or does the great British love affair with property underpin the whole ideal. The buy to let positives can be typically drawn from lenders commentaries and confirm that the average total return for a buy to let investor was 13.0 per cent over the past year to June 2007, exclusive of fees and mortgage interest costs. The price of the typical buy to let property in the UK increased by 7.3 per cent over the year to June 2007 and house price growth rose slightly over the past year from 6.0 per cent in June 2006. UK Buy To Let rental yields have fallen marginally over the past year to 5.5 per cent in June 2007 from 5.7 per cent in June 2006. Nationally, the average rent increased to £ **End Summary** Topics: buy to let]]> best buy to let mortgage]]> buy to let calculator]]> broker buy to let mortgage]]> punta cana]]> dominican republic property]]> caribbean property]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. For more information on buy to let and especially Dominican Republic property visit us now.

Dominican Republic as the new golf resort

Thu, 31 May 2007 00:00:00 -0400

“I assure your highnesses that these lands are the most fertile, temperate, level and beautiful countries in the world” - Christopher Columbus. The Dominican Republic is one of the most beautiful Caribbean destinations and is also one of the most exciting emerging property markets in the world. Government incentives to attract high quality sustainable tourism continue to successfully revitalise the countries economy and industry and there has never been a better time to buy a property in The Dominican Republic. The market continues to grow at unprecedented rates resulting in steadily increasing real estate prices and solid rental returns. Guaranteed rental has become a buzzword within the property industry but few schemes could compare with the structure or yields offered by guaranteed rental schemes. Furthermore the government incentives offer 10 years of tax incentives, no tax on rental income, no capital gains tax and no property purchase tax (Normally 4.6%). The most recent development is widely recognised as the largest dedicated leisure resort development in the world and perhaps the last investment opportunity. **End Summary** Topics: dominican off plan property republic]]> property for sale in dominican republic]]> buy a property in dominican republic]]> caribbean investment property]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. For more information on luxury Caribbean beach front property and especially Dominican Republic investment property visit us now.

Buying Property in Thailand

Mon, 08 Jan 2007 00:00:00 -0500

When thinking of overseas property for investment purposes the British have invariably and predominantly looked to Spain and France in the past. More recently Bulgaria,The Czech Republic, Poland, Latvia, Croatia and with their accession into the EU on the first of January 2007 Romania now seems a viable option and alternative. For some of the more pioneering Americans Eastern Europe is also a favourable choice for affordable real estate, offering a low cost and comfortable standard of living. Furthermore the majority of the emerging economies within the Eastern bloc and real estate markets are pro active and working hard to attract foreign investment. A growing number of US citizens are choosing to move north to Canada where real estate can be cheaper,taxation can be lower, healthcare is far cheaper and the standard of living as high as in America. Countries such as Mexico, Panama and Belize are well known as lower cost locations for US citizens seeking an affordable overseas location. Living costs, real estate and taxation are all low. **End Summary** Topics: chiang mai property]]> chiang investment mai property]]> thailand property]]> property for sale in thailand]]> property in thailand]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. For more information on luxury Thailand property and especially chiang Mai property offering resort style living visit us now.

Mortgage Calculators Easy As 1,2,3

Mon, 08 Jan 2007 00:00:00 -0500

First Mortgage Trust have developed a number of diverse calculators over the years not only to improve the quality of their clients online experience but also in response to client, consumer and third party requests. Among the calculators are Mortgage Payment Protection, Bridging Loans, Secured Loans, Buy To Let Rental and Mortgage Calculator, Affordability and budget, How much can I borrow, monthly mortgage payments for both interest only and repayment, flexible mortgage calculator and three conveyancing calculators for purchase, sale and purchase and remortgage. The benefit of online mortgage related calculators are many and varied. First Mortgage Trust's extensive collection of online calculators allow client retention and leaves them in complete control. not only to compare current outgoings but also for anticipated costs and savings. Every cost associated with selling, purchasing and remortgaging is available and for the client to interact with. Mortgage calculators help to create a sticky website. Calculators are of benefit to solicitors, Independent Financial Advisers, mortgage brokers and those involved in residential and commercial real Estate. The calculators can be used both online and offline for ease of reference to professionals. **End Summary** Topics: mortgage calculator]]> mortgage repayment calculator]]> mortgage rate calculator]]> online mortgage calculator]]> mortgage loan calculator]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. For more information visit the mortgage calculator page. First Mortgage Trust are also commercial bridging loan specialists.

Happy Birthday Buy To let

Mon, 08 Jan 2007 00:00:00 -0500

This summer marks the Tenth anniversary of the buy-to-let mortgage. In July 1996 Mortgage Express (part of the Bradford & Bingley group) were the first to trial a dedicated buy-to-let mortgage product, and currently has a market share of approximately 20 per cent. Buy-to-let mortgages evolved after new legislation within The Housing Act gave landlords more power to evict tenants who were not keeping up with their rent. In September 1996, the Association of Residential Letting Agents (ARLA) launched these loans via a panel of lenders, and hence the buy-to-let mortgage arrived in the UK property marketplace. Relaxation of criteria reflects the realisation that buy-to-let is not as risky as lenders first thought. There are now around 70 lenders offering the buy-to-let product however albeit that around 50 per cent of all buy to let loans are written by the 6 members of the ARLA panel:Paragon, GMAC, Mortgage Express, Birmingham Midshires, NatWest and The Mortgage Business. A risk analysis of buy-to-let versus residential shows residential loans have a higher risk profile. Latest figures from the Council of Mortgage Lenders showed that 0. **End Summary** Topics: buy to let]]> investment property]]> buy to let mortgage]]> investment property uk]]> let to buy]]> best buy to let mortgage]]> buy to let home insurance]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators including the recently designed buy to let mortgage calculator for more information, go to our buy to let page.

Commercial Loan - Broker Or Bank?

Thu, 15 Jun 2006 00:00:00 -0400

There is an estimated 5.2 million commercial properties within the UK. The commercial property market expanded by over 32 per cent during 1990-2000 (according to the new products started) compared with the previous decade, in itself a decade of exceptional growth. Bank lending for commercial property deals rose by a record £7.7 billion in the first quarter of 2005, according to data provided by the Bank of England, and property experts believe the bulk of the new lending was for investment purchases. There has also been a substantial rise in the number of investors looking to buy commercial properties to put into Self Invested Personal Pension Schemes. Property investment funds received a boost as of late last year after the Government announced plans to allow them to be included in an ISA (Individual Savings Account) wrapper. Savers will now be able to add investments, such as property funds and funds of funds, that have previously been restricted from being included in ISA's because the asset class did not feature on a European standard of eligible investments and commercial property funds are seemingly the greatest beneficiary of the rule change. **End Summary** Topics: commercial mortgage uk]]> uk commercial mortgage broker]]> commercial mortgage rate uk]]> commercial loan mortgage uk]]> commercial mortgage loan]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. commercial loan facilities are available to 100% with additional security along with non status and self certification lending, First Mortgage Trust are commercial bridging loan specialists.

Homeopathy :: Which Way Now?

Mon, 05 Jun 2006 00:00:00 -0400

Homeopathy has had its fair share of critics over the past few years. an American illusionist, James Randi, offered money to anyone who could prove, under laboratory conditions, that homeopathic remedies cured ailments. No-one has risen to the challenge. However that does not make it irrelevant. The new controversy about the efficacy of alternative, or complementary, medicine proves this is a subject where strongly-held opinion is prevalent. Homeopathy has been around for some 200 years, the founder was a German physician Samuel Hahnemann (1755-1843) who had great success in treating epidemics of scarlet fever Villages treated with his prophylactics entirely escaped dreaded epidemics, including the plague. What Homeopathy also seems to be weighed down with is the anomaly that Homeopathic remedies don't contain any remedy at all. Many people seem to believe that Homeopathy was similar to Herbalism The fact is that Homeopaths take a substance and dilute it over and over again, until there isn't a single molecule left. The Journal of the American Institute for homeopathy in May 1921 reported the success of the homeopathic approach in the flu epidemic. **End Summary** Topics: homeopathy]]> homeopathy medicine]]> homeopathy remedy]]> abc homeopathy]]> homeopathy training]]> center for homeopathy]]> homeopathy schools]]> homeopathy doctor]]> ]]>]]> About the Author: ]]> Martyn Witt is the owner of Holistic works which is a premier resource and directory for holistic and wellness . For more information visit the homeopathy sitemap.

Bridging Loans-The Essentials

Sun, 21 May 2006 00:00:00 -0400

What are the mechanics of a bridging loan and what should the consumer concern themselves with? The often advised considerations of a bridging loan are to confirm the rate payable, depending on charge type anything between .95% on first charge upwards to 1.75% on second charge and/or blended rate. Since Mday (31/10/2004) within the United Kingdom and the involvement of the FSA all charges will be clearly identified within a KFI (Key Features Illustration). There will undoubtedly be an arrangement fee of anything between 1 to 1.5% of the loan advance, however the consumer must be advised and be made aware of any 'exit' fees. What is also commonly overlooked by the consumer and homeowner and a vital pre requisite is an identifiable exit route out of the agreement. Closed bridging finance is available to homeowners who have already exchanged on their intended purchase property, should completion after exchange be a drawn out affair the homeowner has the peace of mind that their property will sale i.e. an identifiable exit route. Open bridging finance is far more high risk for the homeowner and should not be entered into lightly. **End Summary** Topics: bridging loan]]> bridging loan uk]]> uk bridging loan fast]]> commercial bridging loan]]> compare bridging loan]]> residential bridging loan]]> cheap bridging loan]]> ]]>]]> About the Author: ]]> Mortgage-Loan-UK is a premier resource for personal finance information along with an extensive collection of mortgage related calculators. bridging loan facilities are available with 2 day completion plans. First mortgage Trust are commercial bridging loan specialists.

Acupressure more effective than physical therapy

Sat, 13 May 2006 00:00:00 -0400

We all know Acupressure has been around for some 5,000 years now and those of us involved in Holistic and wellness remain convinced that the procedures encompassed within this sphere are more efficacious than physical therapy. Every living being has a life force, or energy, called qi or chi (pronounced "chee"). When this energy, which runs along meridians, is in balance and flowing freely, the body is in a state of health. Acupoints tap into the the major energy pathways of the body When this energy is blocked or deficient, illness can result. These energy disruptions are often the result of stress or injury. It is believed that acupressure causes the brain to release endorphins. Endorphins play an important role in immune function, pain relief, stress reduction, and slowing the aging process. Lower back pain has long been the bain of the modern world not only in lost man hours but also because of the numerous side effects, complications and nuances of lower back pain complaints. Further studies now confirm the benefits of acupressure over physical therapy. **End Summary** Topics: acupressure]]> acupressure point]]> acupressure chart]]> acupressure point chart]]> facial acupressure]]> acupuncture acupressure]]> acupressure point diagram]]> acupressu]]>]]> About the Author: ]]> Martyn Witt is the owner of Holistic works which is a premier resource for holistic and wellness . for further information, visit the acupressure sitemap.