investment property mortgage for

investment property mortgages lenders rates properties Let -a- Property .info The Home for Landlords, Tenants and Letting Agents investment property mortgage for uk investors Add a Site Investment Property Mortgages UK Buy to Let Mortgages | UK Limited Companies | Commercial Mortgages | Property Development Loan | Business Mortgages | Investment Mortgages For an Instant, No Obligation Quote : >> PLEASE CLICK HERE << For Mortgages UNDER 50k please click here We have teamed up with 'The Money Centre' - one of the UK's largest independent finance brokers . As the Money Centre are a 'Buying Group' they are able to secure mortgages from specialist funding institutions on far more competitive terms than are available to the public direct! For the purchase or refinance of commercial or semi-commercial property for letting on commercial terms Typical terms for this type of loan are as follows: Amount - minimum 100,000 - no maximum Loan to Value - up to 75% Open Market Value of property to be mortgaged. (Experienced Landlords may be able to obtain up to 85%) Term - up to 25 years Repayment - regular instalments of capital and interest. An "Interest Only" option may be available on part of the loan Interest rates - fixed or variable rates are available. Margins on variable rates are usually between 1.5% and 3% above Base Rate or LIBOR Lenders Fees - an Arrangement Fee (usually 1% of loan amount) is payable on acceptance of the lender's formal offer. It may be possible to add this amount to the loan. Other Costs - borrowers are responsible for legal and valuation costs Brokerage Fees - Our standard charge is 1% of loan amount Lenders endeavour to be flexible to meet your needs, but their prime consideration will always be based upon proven ability to service loan repayments. Site Terms and Conditions Back Top all of these retirement uncertainties mean more and more people are turning to Buy-to-Let as a flexible, controlled means of long term saving for early retirement. Once the mortgage is paid off you have an income to live off (or own an asset outright that you can sell) in your retirement. Unlike a pension (you cannot access until you are at least 50 and that is controlled by a faceless fund manager); with Property you can see it, control it, generate an income from it, sell it (usually within a few months). Property is a flexible form of investment where you can easily control and minimise the risks of failure. The most basic idea that someone else is going to pay your mortgage off for you is very appealing for an increasing number of people. Advertising Accommodation Credit Cards General Home Insurance Income Protection Unemployment Insurance Landlords Tenants Insurance Mortgage Insurance Protection Professional Advice Property Finance & Mortgages Property to Buy or Sell Savings Secured Loans Unsecured Personal Loans

Florida Real Estate

COMMREX.com - Commercial Real Estate Exchange and Property Listing Service. Mortage finder and Refinance locator. Go" Advertising Info About COMMREX COMMREX.com Austin, Texas 512.346.9158 Fax 512.346.1762 Email Us COMMREX TM Commercial Real Estate Exchange Products and Services Apply for a Commercial Mortgage Online - It's quick, easy and FREE Featured Property Feature your property on this site. Banner Ad Program Place Banner ADS on this site. COMM-Find Find a commercial agent by location and specialization. Find out who looks at your properties!! Participation in the PackageCenter and use of the lead-generation system will tell you who downloaded your flyers or packages when you use our password protected lead-generation system. Save time and money and deliver a benefit to sellers and customers. Become a PackageCenter Participant and find out who is downloading your property packages and data. Learn more ... COMMREX PackageCenter TM Benefits of COMMREX membership Check out the benefits membership in COMMREX offers a commercial real estate professional. eLeads Subscribe to over 140 mailing lists by property type and geographic region. COMMLink Commercial Data Exchange: Integrate your listings in your website. BizCenter Online business tools, tips, and forms. Real Estate Calendar Commercial Real Estate Event Calendar. Add your own Event. Top Real Estate News Preview Todays Top News Real Estate Intelligence GlobeSt Commercial Real Estate News (CRENews) COMMREX Exclusive Create a Profit Center with your own state level or Association licensed COMMREX site. COMMBOT TM Is BACK!! Find Commercial RE Sites by Category. Enter your own! ListingAlerts Store search criteria to be matched against properties added to the system and receive Alerts by email. ©2005 COMMREX.com Internet Media Works! Privacy & Disclaimer Email Webmaster 512.346.9158

Buy Home

Fool.com: To Educate, Amuse and Enrich -- Main Page Home Stock Ideas & More Discussion Boards Quotes & Data My Fool Login News | Investing | Retirement | Personal Finance | Fool's School | Help CHOOSE A BROKER TOP STOCKS on your mobile Search: Quotes: Welcome Fool! My Fool My Favorite Boards My Email Subscriptions Today's Headlines Products & Services Champion Funds Discussion Boards Fool Credit Card Hidden Gems How-To Guides Income Investor Inside Value Rule Breakers Rule Your Retirement Stock Advisor Stocks 2006 New! TMF Money Advisor More... Investing Broker Comparison ETFs Index Funds Mutual Funds Stock Ideas More... Personal Finance 401(k) Calculators Credit Reports Financial Advisors Home Buying/Rates Insurance IRAs Savings/CDs Taxes More... SiteMap/More Topics Email Subscriptions Fool Radio Work at The Fool Dueling Fools: 2006 Will the coming year be kind to investors? Bull Rick Munarriz and bear Tim Beyers have their say. Thursday's Motley Fool Take Thu Dec 29, 3:33 p.m. ET Univision: Broadcasting Growth? High Bids for Unwanted Gifts? Cheat, Profit, Go to Jail Minds on the Mines: Aluminum The Science of Holiday Sales Minds on the Mines: Copper eBay, Can You Spare a Dime? Mind on the Mines: Steel and Iron ExpressJet's Wings Clipped Kona Wipes Out Tips for Dealing With Car Salespeople If They Only Had a Taser Finding Feel-Good Companies Like the Funds? Love the Advisor! Twists and Turns in the Yield Curve More Headlines » Commentary Motley Fools Fess Up The money pros on these pages reveal their biggest financial blunders of '05. An Iron Law of Markets Reflections on the cold northern Minnesota winters of youth yield important investing lessons. Foolish Fundamentals: Margins If you want an edge in investing, you have to be able to think beyond the usual. Foolish Fundamentals: Bonds Learn what happens when you lend money to a business or organization, and how doing so can benefit you. Foolish Fundamentals: GAAP Understanding how companies make adjustments to GAAP earnings will help investors round out their tool kit. Stocks for the Next Five Years Here are 10 companies scheduled to surge. 2005: The Year That Was With the year all but over, we take a look back at the news that shaped 2005. All Today's Headlines » Browse Stories by Author Bill Mann Mathew Emmert Robert Brokamp Shannon Zimmerman Philip Durell LouAnn Lofton Dayana Yochim Alyce Lomax Rex Moore Selena Maranjian Rick Munarriz Zeke Ashton Whitney Tilson Roy Lewis David Gardner Tom Gardner Community Chest Christmas Wrapping Tips for Men If you are going to delegate, watch out for surprises! Make Money From Credit Cards Credit Card Minimums Rising? Maybe... Is Pension Money Dumb Money? Chiropractic: Quackery, or a Bargain? Home Networking Stump You? Free Community Trial Required Foolanthropy The Internet's first and longest-running interactive, cooperative charity drive. Make the world a better place . Top Sellers Stocks 2006 Just released! The best selections for the year ahead from the Fool's top analysts. Stock Advisor Rule Breakers Hidden Gems Rule Your Retirement Inside Value Income Investor Champion Funds more Champion Funds Design the Perfect Portfolio You can have it all and never leave your circle of competence. Hidden Gems The Market's 10 Best Stocks The returns are incredible, but they're not what you think. Stock Advisor The Crystal Ball Deficit of 2006 Don't count on anyone accurately predicting the future. Not even your CEOs. Champion Funds Taking Stock of Your Funds Three questions all mutual fund owners should be asking right now. Inside Value Three Tens for a Twenty How to cash in on the market's mood swings. Champion Funds Financial Petty Thievery Funds make money. But who do they make it for? Income Investor How to Build Real Wealth Unless you have a crystal ball, there's only one way to guarantee you'll beat the market. Get It Done! Matchmaker, Matchmaker ... Money isn't everything when finding a mate ... or a financial advisor. More Money Solutions... - Choose a Topic - Compare Brokers Open an IRA Refinance Now Check My Credit Find an Advisor Save More Get a Mortgage Find Stock Ideas Learn About Investing Get Out of Debt Pay for College Learn About Insurance Do My Taxes Retire Early The Motley Fool's top stock picks for 2006 Just released -- complete dossiers on ONE DOZEN investments in Stocks 2006: The Investor's Guide to the Year Ahead. Best projections from the Fool's top analysts, including David Gardner. Purchase and download your copy today! Learn More S&P 500 1,255.29 -0.23% DJIA 10,790.74 -0.05% RSL 2K 681.46 +0.20% NASD 2,219.32 -0.43% updated: 3:29:47 PM USEQWeb06 200 ms About The Motley Fool | Email Subscriptions | Fool Radio | Newspaper Column | Work at The Fool Contact Us | Advertise | Fool Disclosure | Help | Site Map Fool UK Legal Information . 1995-2005 The Motley Fool. All rights reserved.

Real Estate Prices Still

Agricultural Economist Newsletter: Winter 2001--Farm Real Estate Prices Still Rising in Minnesota Farm Real Estate Prices Still Rising in Minnesota Steven J. Taff Average Minnesota farm real estate sales prices just keep on climbing (figure 1). This despite low output prices, rising input costs, and continued uncertainty about the future of federal subsidies. Sales price increases were seen in all parts of the state except in the northwest. In this annual sales price summary, I can provide only an overview, some cursory analysis, and--as always--a few opinions. I'll not bore you with text that simply repeats what's already shown in the charts. Instead I'll spend some time discussing how land transaction data are recorded, adjusted, and employed. I think it's useful to go through some administrative and procedural details to further our understanding of what these data are and what they are not. If this prospect makes you say, "Just show me the data, Steve," then you can stop right after the sales summary section. Or, if your impatience knows no bounds, go straight to the Minnesota Land Economics (MLE) Web site at http://apec.umn.edu/faculty/sjtaff/landdata/index.html and start working the numbers yourself. Farm Land Sales in 2000 Assessors are required to report initial assessments in late fall, based on sales data to date. That's why the data are reported on a "record year" basis: these are the sales that were, presumably, available for assessor scrutiny at the time the initial estimated market-values are calculated. Final values are set by summer, to be used in the succeeding tax year. So, for example, sales made in late 1999 are used by assessors to set initial values for January 2001. These estimates are adjusted in spring 2001, finalized in summer 2001, and then used for tax purposes in 2002. The adjusted record year 2000 sales data were therefore not available until April of this year. Figure 2 shows the distribution of all farmland sales in 2000. The bulk of the sales lie between $500 and $2,000 per acre. I excluded a small number of sales that exceeded $5,000 per acre as well as those involving parcels of land less than 20 acres in size. Both were excluded as not being plausibly "agricultural"--despite their designation on the Certificate of Real Estate Value (CRV) as "agricultural" land. (Although excluded from figure 2, these data are included in the MLE Web site data.) Even though MAE readers and MLE Web site users can view the full distribution of sales prices, most still ask for a single number that somehow captures the story behind the figures. Obviously, for a set of sales that span such a wide range in prices, any single number fails completely to accomplish this end. Movements in averages, while arithmetically correct, usually fail to tell the entire story. The particular average I use in this article is a location- and size-weighted mean (table 1). In last year's farm real estate report ( agecon.lib.umn.edu/mn/mae699.pdf ), I discussed the usefulness of such weighting as well as the desirability of examining sales data at the smallest geographic scale possible. Table 1. Minnesota farm real estate sales summary Record year Number of sales Acres sold Average price* 1996 2,504 263,728 936 1997 2,641 296,803 1,039 1998 2,724 303,968 1,113 1999 2,212 235,359 1,196 2000 2,258 250,979 1,222 * Location- and size-weighted per-acre mean Figure 1 compares the movements of actual sales price averages with those two other estimates of land value--the United States Department of Agriculture (USDA) annual state estimates (based on a farmer opinion survey) and the average assessor estimates (the location- and size-weighted mean estimated market value). The University of Minnesota sales prices averages are location- and size-weighted means. The fact that all three (somewhat) independent estimates of farmland real estate values shown in figure 1 move in lockstep adds credence, I believe, to the conclusion that, on average, farmland values really are increasing in Minnesota. Geographic variations in real estate values for the past 11 years are shown in the box-and-whisker plots of figure 3. (District boundaries are shown in figure 4.) The range of sales prices for each district for each year is shown by the endpoints of the vertical lines. The ends of each box show the prices at which 25 percent of the sales were higher (or lower). The median is indicated by the horizontal bar within each box. So, for example, the median Central district farmland sale was about $1,200 per acre, with 25 percent of the sales lower than $750 and 75 percent lower than $1,850 per acre. In previous years' reports, I've noted the wide variation in average price movements among districts. Such differences were accentuated in 2000 by the continued climb of values in the South East district combined with the continued stagnation in the North West district (figure 5) . Farm Sale Data When a Minnesota property is sold, the transaction details must be recorded at the county courthouse on a form called a CRV. On it, the seller attests that such-and-such a property was sold to so-and-so on a certain date for a specific price. Other information about the property (its size, soil characteristics, prior year's estimated market value) is often entered on the CRV as well. Frequently, the per-acre prices that underlie this article and are also shown in the MLE Web site are not the prices entered on the CRV. Long before a land sales figure enters the official data base, it has been passed through an array of filters and adjustments designed to make comparison among transactions more meaningful and more reliable. Recording the Transactions There are many possible slips between an ownership change and data analysis. Of course, there is always the chance that simple recording errors are made. For example, numbers may be miscopied from bills of sale onto the CRV, or into a computer file, or into a spreadsheet. There is also a chance of misrepresentation. The person who fills in the CRV might have a reason to understate or overstate the actual sales price--perhaps to avoid a tax. This, of course, is illegal, but, as any courthouse veteran can tell you, it occasionally happens. Not every sale receives further processing. Local or state officials remove from subsequent analysis any sale not deemed "arms-length," because it was sold, for example, to a member of the seller's immediate family. Or, a sale might be pulled because the new buyer intends to convert the land to a non-agricultural use. Adjusting the Prices After this filtering, sales prices are frequently adjusted to make comparison among sales more appropriate. First, to expunge the effects of inflation, sales prices are deflated by an officially reported rate to January 2 of the year in which they were recorded. This "adjustment for time" is fairly minor in years (like the past decade) where inflation has been low. The second adjustment is "for terms." Not all farm real estate sales are for the full property. Some are made through a contract for deed, an arrangement that allows the buyer to pay a certain amount now and other amounts at stated intervals. Until the final payment is made, the property remains in the possession of the seller--even though it has been "sold." Because the full payment schedule is entered on the CRV, the Department of Revenue can calculate a present value of the initial and subsequent payments at an official discount rate. This becomes the official sales price of the property, regardless of what the buyer and seller had in mind when they sealed the deal. Adjustments don't end with a time- and terms-adjusted sales price, honestly reported and accurately recorded. In most cases, users of the data are interested in per-acre prices, not per-parcel prices. That means some chosen total price must be divided by some total acreage. But which price? Which acres? Should we use the total price or should we first subtract out the value of buildings, personal property, ancillary property, or machinery to get closer to the "true" land price? In this article (and on the MLE Web site), I choose to follow conventions established years ago in Minnesota. I report the time- and terms-adjusted total sales price, minus the value of personal property, divided by the entire acreage of the parcel. That's why, when I'm being careful, I speak of the average price of farm real estate, not of farm land . Employing the Data The sales reported here are only those recorded between October 1, 1999, and September 30, 2000. These "record year 2000" sales are so bundled because of the way real estate transactions are used to help local assessors value land for property tax purposes. Strange as it may seem, the Department of Revenue does not collect sales data merely to satisfy the data cravings of University economists like me. No, statewide sales data are collected principally to create statistics that are used to "equalize" property tax valuations across county boundaries. Each year, county assessors are required to assign an estimated market value (EMV) to each of the thousands of real estate parcels in the county. The estimate is supposed to be based on an examination of similar properties that were actually sold recently. (The combined valuations for each township, city, or county are the source of the Land Values--in contrast to the Farmland Sales--data on the MLE Web site.) Because every county has its own assessor who uses largely independent valuation procedures, there are inevitably discontinuities across county lines--even for adjacent properties. Farmer Brown wonders why Farmer Olson's land, just across the fence line in the next county, carries an assessed value that is lower by $200 per acre. The state has created an equalization procedure that is supposed to smooth over such discontinuities. Assuming that nearby properties really would sell for similar prices, any observed difference in assessed values for otherwise similar properties is presumed to be evidence that one or both of the assessors is either undervaluing (that is, assigning an EMV that is too low) or overvaluing properties. To test this, the state calculates a sales ratio (the EMV divided by sales price) for every property sold in a particular area. If an assessor systematically undervalues properties (shown by sales ratios that are consistently lower than some threshold), the state might demand the EMVs in that jurisdiction be uniformly raised, to better accord with what is thought to be "true" market conditions. How Accurate Are the EMVs? We can see for ourselves how close the final assessor estimates are by comparing actual sales prices against the previous year's estimated market values for the same property (figure 2). Each point in the figure represents one sale. For example, the rightmost point is for a property that was estimated to have a value of $4,900 per acre, but actually sold for only $2,900 per acre. While some of the estimates are obviously way off (like this example), the bulk are pretty close. In most cases, the EMV was lower than the sale price, but in a neatly predictable manner. A simple one-variable regression model, shown as the straight line in the figure, accounts for nearly 75 percent of the observed variation in farm real estate sales prices. Parting Thoughts What accounts for the ever-onward-and-upward movement of average farm real estate prices in Minnesota? We need only to round up the usual suspects, most of which I have discussed at length in previous issues of MAE . These include 1) perennial farmer optimism about future crop and livestock prices, 2) expected extensions of federal farm subsidy programs, 3) continued favorable local property tax treatment for farmland, 4) the desire of some farmers to increase the size of their current operation by buying adjacent farmland, 5) the desire of some non-farm buyers to use land as a hedge against inflation, and 6) inflation itself. An additional suspect that we need to add is the increasing prominence of location even in rural land markets. We simply can't explain current price levels on the basis of income potential (including subsidies) and speculation potential alone. Clearly, where the land sits with respect to job centers and what it looks like is influencing the price buyers are willing to pay for a particular parcel of land. As always, I caution potential land buyers and sellers about reading too much into the average land prices reported here and elsewhere. If you've got land to sell or if you have a hankering to buy land--look before you leap. The financial stakes are too high for casual empiricism. Hire an appraiser. Talk with your spouse. Check your finances. Think about the children. Be careful out there! Steven J. Taff is an associate professor and extension economist with the Department of Applied Economics at the University of Minnesota. Return to Minnesota Ag Economist Newsletter Index Page University of Minnesota Extension Service HomePage

land for sale. We

Official UK Land Investment Group -- As specialists at investing in land, UK Land Investments source and purchase the very best prime land for sale. We then help our private clients looking to invest in land in the UK build a property portfolio structured to suit their exacting needs. With chronic housing shortages posing a very real crisis in south east England, investing in land is fast becoming a popular investment choice, generating substantial returns over the long-term. Land for sale - sample Mason's Village, George Green, Slough, Buckinghamshire Phase: Phase 1 Price: £18,500 Size: 400m² (approx) Central London only 22 miles away Just 5 miles from M25 motorway (Junction 15) Easy journey into London by car - 30 mins (average) Under 6 miles to London Heathrow Airport 2.5 miles to Slough mainline train station In the current unstable global economy, unpredictable stock markets and underperforming shares have deterred many investors. Investing in land represents a tangible way of investing wisely, capable of out-performing bonds and equities. More At UK Land Investments, we deliver a highly specialised service; not only identifying the very best land for sale, but also assisting our clients with everything from legal advice to lobbying councils on their behalf to acquire planning permission for their land. More Prescott set to allow more greenbelt homes 15/07/2005 (The Guardian) More greenfield sites look set be earmarked for housing under controversial plans to be outlined next week by the deputy prime minister, John Prescott. Infrastructure is the key, says English Partnerships - 18/07/2005 (The Housebuilder) English Partnerships chief executive David Higgins has warned that infrastructure has to keep pace with growth to reduce opposition in south eastern growth areas. 170 Million to speed up planning performance - 22/07/2005 (ODPM News Release) The Government has finalised the highest ever allocation under the Planning Delivery Grant (PDG) to further improve and speed up planning performance. Threat to 'green belt' 50 years on - 03/08/2005 (The Telegraph) Countryside campaigners are marking today's 50th anniversary of the Green Belt by claiming that the protected areas are under threat from development as never before. Brownfield development reaches record level - 28/07/2005 (ODPM News Release) Record levels of previously developed land is being used to deliver the new homes needed for first time buyers and young families. I'm sorry, but for the greater good, the green belt has just got to go - 05/08/2005 (The Daily Telegraph) The green belt, celebrating its 50th birthday this week, is one of those subjects that many of us free-marketeers would rather not think about. People must accept house building plan - 12/05/2005 (Bucks, free Press) Overall annual house building rates in south eastern England will be decided in July by the South East England Regional Assembly (SEERA) South East learns where 640,000 new homes will go - 21/01/2005 (The Times) Plans to build up to 640,000 new homes in the South East over the next ... Councillors vote to redraw Oxford green belt - 30/06/2003 (source: RICS) Oxfordshire councillors have approved plans to build a 1,000 home urban extension... Hill Pleased By Improved Planning Performance 27/06/2003 (source: ODPM) More planning applications are being dealt with at greater speeds according to figures... Housing boom 'at an end' - 16/06/2003 (source: Daily Mail) Last week, Mr Brown repeated his concerns that the economy is hostage to the housing market... Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... -- New Planning Director brings extensive house building experience to UK Land Investments 16/12/05 As part of UKLI's commitment to strengthening its planning team a number of new planning experts have been added to the core team. Head of Strategic Land from George Wimpey joins UK Land Investments 16/12/05 As part of UKLI's commitment to strengthening its planning team a number of new planning experts have been added to the core team. Councillors vote to redraw Oxford green belt - 30/06/2003 (source: RICS) Oxfordshire councillors have approved plans to build a 1,000 home urban extension... Hill Pleased By Improved Planning Performance 27/06/2003 (source: ODPM) More planning applications are being dealt with at greater speeds according to figures... Housing boom 'at an end' - 16/06/2003 (source: Daily Mail) Last week, Mr Brown repeated his concerns that the economy is hostage to the housing market.. Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... -- This Greenfield site is only part of a larger development we have planned over the next few years at this location. Phase: Phase 1 Price: £12,500 Size: 400m² (approx) -- Call us now on: 0207 49 24 007 Register For free information on our latest land for sale and the chance to save £500 upon purchase simply fill in our quick and easy form below. Title Mr Mrs Miss Dr How did you find us? Not Other When would you like us to call? Office Hours Evening Weekend REGISTER -- If you would like to register with UK Land Investments Group for sales updates and new sites, simply click Register and fill the form. -- Download the latest UK Land Investments' newsletter, detailing current land for sale and providing tips on how to invest wisely in the UK property market. Download UK Land Investments adheres to a stringent list of land investment guidelines. Home | Land Available | Investing in land | About UKLI | Planning | Land News | Resources | Contact | Site Map | Terms and Conditions THE PROPERTY MISDESCRIPTIONS ACT 1991 UK Land Investments Group (UKLI) has produced these particulars in good faith but cannot guarantee total accuracy. Sizes are approximate. Purchasers should verify any detail of importance prior to viewing and purchase. These particulars are not an offer or contract. Comments made in general advertising may not apply to this particular property and of course planning permission cannot be guaranteed. Call UK Land Investments Group for further details.