Buy Property

Buying property to let | Property | Money | Gay.com UK Home Personals Chat Jobs Boards Directory Ask the Doctor Login | Join Now | Help News | Scene | Entertainment | Travel | Women | HIV Life | Lifestyle | Money | Weddings Choose your country site… US & Canada en français Italia Deutschland Argentina Australia España México Brasil Latino in Money Banking Insurance Law Property Work Life Flatshare & Flatmates login have your say Is Elton's wedding the event of the year? Property -- gay.com money property also in property Trust & Partnership Gay couples 'buying more homes' Find the perfect gay flatshare First time for everyone? Editor's picks Property archive also on gay.com Clubs Ho Ho Ho! Theatre Top gay play premieres in London Relationships Four years of worry - about what? related links Gay.com web guide - Money and Business Motley Fool Finance Pink Finance sponsored links Mortgage Best Buys - Save 100s Find Mortgages with Central Capital Compare UK Mortgages Buying property to let Chris Morgan Pink Finance 11 November, 2005 more articles by Chris Morgan Have you ever thought of becoming a landlord? In his latest column Chris Morgan offers advice on Buy to Let property. Kenneth has an amount of 30,000 that he would like to invest in his future. He likes the idea of buying a property to let out to tenants. This would mean taking a second mortgage, as he already has one already on his residential home. Kenneth said Im unsure whether Id be allowed to have two mortgages? Id be able to afford both monthly payments, as the rental income would more than cover the new mortgage. Are there any lenders that would give me the money? There are many Buy to Let mortgage lenders that would advance Kenneth the money, providing he has a 15% deposit. They would use the monthly rental income to justify the mortgage, providing it exceeds the interest payable by 130%. There are many types of specialist mortgages for landlords, with the most common either fixed or discounted variable options. Whichever type you select the interest will be tax deductible, providing you choose a loan that is specifically for letting property. Kenneth Continued Im not even going to have to find a tenant, as I already have a friend who would like to rent the new property. They want to find a nice place to let in my local area and are not in the position to get a mortgage themselves. Heres some advice for prospective landlords You should try and avoid Buy to Let lenders who charge a percentage of the loan as an arrangement fee and only pay a flat fee of a few hundred pounds. If your mortgage broker is independent they are obliged to offer you the opportunity to pay their fees by hourly rate. You should take out the loan on an interest only basis and not try and repay the capital, as its important that you create a margin. The difference between the monthly payments and rental received should be saved for repairs, decorating and unlet periods. Most lenders will require that you get your tenants to sign an assured shorthold tenancy agreement for either 6 or 12 months. You will be able to acquire an example from a legal stationers, or from a letting agent if you are using one. And Kenneth? We raised a mortgage for him of 170,000 at a fixed rate of 5.14%, using his 30,000 as a deposit. The monthly payment will be 728 per month, with his friend paying rent of 950 per month. The lenders arrangement fee on this deal was a flat 449, with the broker fee a flat 500. Chris Morgan is Managing Director of Compass financial advisers to the gay community www.compassifa.co.uk and editor of Pink Finance gay finance magazine. www.pinkfinance.com print it | email it rate this article: [ 1 2 3 4 5 ]Rating: 4 votes Win tickets to NYC from the Money Boards Gay.com and Vouch4me.com have got together to bring you the chance to win a trip to New York! wholesale nike shoes .35$/pair .www.nike-fancy.com jordan shoes /NFL jerseys/nor wholesale nike shoes .35$/pair .www.nike-fancy.com buy sell nike shoes,jordan,tn,shox,timberland,puma,prada,adidas, shoes,lacost,ev Sell Auto Seat Cover Sell Sports shoes (Nike,Adidas,Puma etc.) more competitions Full list of message boards Search Gay.com Company info Advertising info Personals affiliates Privacy policy User agreement Contact us Help Site Map ©1995-2005 GAY.COM INTERACTIVE SERVICES. ALL RIGHTS RESERVED. LEGAL NOTICE

Real Estate Investment

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Arizona Real Estate Agent : Phoenix Real Estate Broker : Scottsdale Listing Home Sitemap Real Estate Agent Arizona Find your qualified Arizona real estate agent here. Whether you are trying to purchase a new house in Phoenix or trying to sell an existing home in Scottsdale, we can help. We have agents that specialize in commercial Arizona property as well. Many investors have a great interest in the Phoenix, AZ real estate market. Pros and Cons of Owning A Phoenix Single-Family Home Hottest Areas to Purchase Property in Arizona Arizona Real Estate In Phoenix With over 48,000 new home permits planned for 2004, Phoenix will become the largest housing market in the US. In fact, the population will double in the next 20 years. The highway system (ADOT)will complete over 233 additional miles of freeway by 2007 and the Phoenix airport is the fastest growing airport in the US. "The growth of the Arizona population will be the largest single contributor to this strong forecast performance." Interesting Phoenix facts: Population: 3,396,875 and Rising Median Age: 32.9 and Going Down Labor Force: 1,712,300 and Rising Unemployement: 4.9% and Going Down AZ Inflation Rate: 1.3% and Going Down Median Income: $45,776 and Rising Single-Family Permits: 46,000 and Rising Phoenix, AZ Housing Market Outlook The Phoenix housing market will be the beneficiary of favorable mortgage interest rates. There will continue to be plentifulsupply of mortgage money. The supply of land for development will remain plentiful. Overall, the next several years appear to be headed toward the best of the best times for the home building industry in the Arizona region. Specific Phoenix Real Estate Growth Areas: Laveen-Buckeye South of I-10 Loop 303 West of 99th Ave Bell Road / Sun Valley Pkwy North Sun Valley Pkwy South I-17 Happy Valley to Anthem Maricopa To Casa Grande Hunt Highway To Florence Florence, Coolidge, Eloy To Casa Grande Phoenix Arizona Real Estate Highlights The infrastructure in Phoenix is modern and extensive. The water supply is sufficient to meet the growth needs for over a hundred years. Due to the open land, Phoenixhas the largest amount of affordable real estate west of the Rockies. Phoenix is also 2nd in job growth for the 9th consecutive year. Phoenixwill become the #1 home building market in the United States. Arizona Economy Boosting Job Growth Arizona ranks 3rd among all states in the rate of new health care jobs. It also ranks #1 fastest growing in transportation, utilities,government, business services, construction, trade, and hospitality. Looking for an Arizona Real Estate Agent? Whether you're planning on buying or selling a home, choosing the right Real Estate Agent is one of the most important decisions you’ll make. Let Real Estate Agent Arizona help. Please enter your contact information below and a live Arizona real estateagent will contact you within 24 hours or sooner. Special Offer: FREE $300.00 Home Depot gift card upon close of escrow. Just fill out the contact form below to begin. Residential or Commercial. No Obligation, and it's FREE! *First Name: *Last Name: *Email Address: *Phone Number: Tell us what your needs are: First Time Home Buyer - Arizona Land For Sale - First Time Home Buyer - Southwest Architect - ARMLS Listing Service 2005 © Blue Gumbo LLC. All rights reserved.