buy property in Spain.

Buying property in Spain - A full guide to buying property in Spain Buying Property in Spain A full guide Sponsor this Page for 720.00 a year Over 250,000 Unique Visitors every month! Click here Home | Spanish Shop | Photo Library | Message Board | Classified Ads | Property | Currency Converter | Site Map | Stats | Search | Advertise | About Us | Contact Us Property in Spain - A full guide Introducing the new service from idealspain.com www.idealspain-properties.com - Properties for sale & to rent throughout the whole of Spain CrawfPro Spain SL - CrawfPro is a private company based in Granada, selling select homes in the area. We can also find your property, survey it, lead the buying process, inspect construction, manage your project, look after your property and deal with bureaucracy. Don't be alone. HIFX - Save money on currency, regular payments & overseas property insurance. Lump sums: excellent exchange rates & totally free transfer of funds to Spain. Regular payments: fix an exchange rate for your mortgage or pension transfer for up to 2 years ahead with no monthly transfer changes (this alone could save you 300 per year!). Buying a property in Spain Foreigners buying property in Spain has become very popular. The country has a pleasant, healthy climate and in recent years the local authorities have made great efforts to increase the number foreign tourists and residents. Spain now derives more of its foreign income from tourists than any other country in Europe. Due to low European interest rates, now is a good time to buy property in Spain. There is a very wide selection of standards, from farmhouses (fincas) and plots through to villas, townhouses and new apartment developments. There is no shortage of real estate agents in Spain and it pays to search out a good company who will care for your requirements. Before you buy a property in Spain you should use our website to look at the different areas then consider visiting your favourites before deciding where to buy. Many people also rent a property in that area first. Here's a simple guide to get the most out of buying a property in Spain: Set your budget limit and stick to it. Visit the property at least twice before you make a decision. Check what amenities the property has such as electricity, water, gas. Have a builder or architect examine the structure of the building. Talk to your prospective neighbours about the area. If you are unsure about a property, take photos and draw sketches to take home with you. Have your legal advisor check ownership of the property before you sign anything. Have your legal advisor check outstanding debts on the property before you sign anything Initial Costs As well as the cost of the property, the buyer will be liable for transfer tax (IVA), which at present is 6% on a second-hand property and 7% on a new one, plus 1/2% stamp duty. The property registration office will charge you a fee to change the new deeds into your name. This is usually around 300€. There will also be notary charges for copies of the 'escritura publica'. The charge is on a scale depending on the contract price. In total you should allow 10% of the purchase price for costs. It is often the case that the buyer also pays the sellers fees. Check this at the point of enquiry and it is often possible to negotiate. Banks may also charge an opening commission for mortgage loans. Annual Costs The local town hall charge IBI which is an annual real estate tax. The previous owner is obliged to give you copies of previous bills. Community charges apply when you buy a property on a community development. These cover things like maintenance, swimming pools, gardens etc. You will also be liable for a wealth tax, payable annually and based on the value of the property and a property owners income tax based on your income from the property. You should clarify these in detail with your estate agent at point of enquiry . Finance See our mortgages section here Many developers of new properties are now offering up to 80% over 20 years for non-residents. Local banks will offer anything up to 60% for European residents. Most loans are long-term and secured on the property. When seeking a loan, make sure you are aware of the interest rates and if they are fixed or floating. Banks will ask for passports, residence permits, payslips, sale contracts and copies of the title deeds. There are many advantages to taking out a loan to purchase your property, in the form of tax allowances. We have not listed them here as they are subject to fluctuation. You may need to transfer money into Spain and you need to protect yourself: When you buy a property in Spain, you will know the price of the property in Euros but you will not know the actual cost until you buy all of the currency to pay for it. This means that the property could either cost you more than you had planned (if the Euro strengthens) or the property could become cheaper (if Sterling strengthens). Recently Sterling has fluctuated more than 10% against the Euro within a matter of months, so this does deserve careful consideration. On the basis that you are buying a property and not speculating on the currency markets, it is worth fixing the exchange rate for all of your future stage payments to the agent / developer. How to fix the exchange rate: 1/ Buy all of the currency now on a "spot contract". Hold the currency on deposit and send payments when they are due from your Euro account. To do this you need to have full funds available. 2/ Buy as much currency as you can afford now (e.g. for the first 2 payments) and reserve an exchange rate for the remaining payments. To reserve an exchange rate you need to buy a 'forward currency contract'. In effect you are buying currency now but paying at a later date when you have the funds available. The exchange rate that you achieve on a "forward contract" is not quite as good as that for a "spot contract" but it does guarantee that you know the cost of the property. You will be required to pay 10% of the value immediately and the balance by the date that you have reserved the currency for. Use a specialist currency broker : As a result of extensive research idealspain are pleased to offer preferential currency transfer rates for all their clients and visitors, click here for more information . It is also advisable to speak to your new bank with regards to High Interest Sterling Accounts where your mortgage payments can be taken directly and converted on your behalf. Approx cost to buy a home at 128,000 euros or (80,000 pounds) IVA 7% Spanish VAT payable on declared property value 8,960.00 Legal fees Searches, preparing deeds and translation etc 900.00 Notary's fees Preparing escritura, registering and stamp duty 600.00 I.A.J.D Spanish tax of 0.5% of the declared value 640.00 Connection charges Water, gas, drainage, electricity etc 300.00 Plus Valia Capital Gains Tax on increased value of plot since last sold. Levied by the Town Hall 60.00 Total Approx 7,355 pounds €11.460.00 Currency Converter Legal Matters Most properties in Spain are in fact NOT registered. Most of the re-sale properties are sold by Spanish ....still.... since they earned about 100 a year from selling fruit and veg they would certainly not pay 300 to pay for their property to be registered. The only way someone may find out if how many square meters is legally theirs to sell is by investigating at the Catastral Department and Town Hall. If they have ever declared that there is a property at all. A great deal of families have never informed the Town Hall that a senior family member has deceased and therefore many sales take months to proceed to completion. There are many families with complicated backgrounds, most children believe they actually own what is and sometimes what once was their parents, sometimes resulting in an Expediente Dominio where there can be no proof of title at all. A great deal of the beautiful villas you see advertised are not registered by the builder and therefore the purchaser pays for the first registration, sometimes no licences have been issued and the seller is required to pay fines to the Town Hall. Many many properties are then registered with less than the actual square meters of built area, and a great many are not mortgageable. Most urbanisation properties now being built are of course registered first because there is a compulsory registration system in Spain for new developments but this is Urban land - not countryside. Most of the old village properties have no Title Deeds. The seller of a second-hand home should provide the following documents: The title deed of the property Receipt of payment of the real estate tax for the last year Receipt of payment of the tax on the increased value of Urban Land Certificate that any community charges (if applicable) have been paid up to date Latest copies of domestic bills so that you can take over the services such as electricity and water The seller or developer of a new property should provide you with: Deed of declaration of new construction Occupancy permit Certificate of rateable value of the property Normally, before the purchase of a property is made official, there is a prior agreement drawn up between the buyer and seller. This document will identify the two parties and set out the terms of purchase. You must seek legal advice before signing this and you must be sure that this is the property you want to buy. You can lose any deposit you have paid if you pull out of the purchase and there is a penalty clause in the contract. In the case of the seller defaulting then he has to pay twice the amount. When it comes to signing the contract, this has to be before a notary, in the form of a public deed. This ensures that the details are entered onto the public records. Insurances Fire insurance is compulsory by law when taking out a mortgage. Comprehensive household insurance is available to protect your home and contents. Life insurance can be taken out to guarantee payment of the loan in the case of death. The cost of property - trends Official figures for the Costa del Sol state that property prices will increase this year by 12-15%. It is claimed that an average new property with two bedrooms in a block now costs 241,000 euros (around 2,000 euros per square metre). An average villa costs 388,100 euros. On the Costa del Sol there are around 20,000 homes for sale, 40% of which is in the Marbella area. 75% of home buyers on the Costa del Sol are foreign. The increase in prices is leading to an increase in the number of smaller, cheaper municipalities springing up, away from the coast. Tax advantages for property owners If you spend more than six months a year in Spain, you are obliged by law to apply for a residents permit.* This law is currently being abolished. There are however, several tax advantages for residents of Spain that do not apply to non-residents. Inputted income tax is an annual tax on an imaginary income resulting by virtue of ownership of a property and is charged as 0.5% of the catastral value. If you are a resident you will not be charged this on your principal home. Wealth tax is a tax on all assets in Spain and is charged at 0.2% of the catastral value of any house owned. For residents the first 108,000€ is exempt and for a joint ownership this would apply to each partner. These two taxes are paid annually as long as you own the property. Non-residents do not receive any relief so therefore have to pay 0.7% of the catastral value every year. When you come to sell the property, capital gains tax will be charged on any profit you have made. This is 35% for non-residents but only 20% for residents. A further concession for residents is that if you are over the age of 65 and have lived in your property for at least three years, you are totally exempt from capital gains tax. Finally, if you are 60 years of age or more and have lived in your property for at least three years, you can bequeath your property to your spouse or children and avoid paying inheritance tax on 95% of the valuation. The inheritor must also be a resident of Spain and agree not to sell the property for at least ten years. WSI - Start Your Own Business and Profit from the Internet! Now in its 10th year of business, WSIs systems are used by over 1000 franchisees in 87 countries around the world. Currently rated the "#1 Fastest Growing Business Services Franchise" and the "4th Fastest Growing Franchise in the world" , WSI has established one of the most profitable Franchise Opportunities in the world today with a Proven Business System! Home or office based. Complete Training and Support. No Business experience required. For your free information package & CD please visit: www.wsicorporate.com . Learn Spanish Today for FREE! Learn Spanish the interactive and fun way! Our web site will help you learn Spanish free of charge. Not just a few Spanish verbs, but over 500 words of the Spanish language, including complete Spanish phrases and sentences. Watch our free online demo that plays the first 15 minutes of a lesson. In this demo, the in program manual is displayed on the screen. spanish-online.co.uk Spanish book, cd and cd-rom publishers. User-friendly material for complete beginners to intermediate level. To make the most of our great offers, use the promotional code IDEALSPAIN on our online shop. Intasure - Insurance for your holiday home in Spain - Property insurance for expatriates in Spain - Comprehensive golf cover 365 days of the year which covers theft of equipment, medical expenses, travel, public liability and even hole in one cover - Low, low cost travel insurance. Avro is the UK's leading charter flight-only company, selling over one million seats every year. We have recently expanded and now offer scheduled flights to destinations worldwide, with flights available from over 70 of the world's leading airlines. Bookings.org - The best selection of Hotels, at great prices, throughtout Spain... View Special offers here & 5,166 Golf courses in Europe - Find golf courses in Spain, view pictures of all courses with maps. Book nearby hotels online . Car Hire Booking Centre Online together with IdealSpain.com - Created with one main objective; to offer clients the best vehicles with the best service at unbeatable prices. Why pay more when BOOKING CENTRE ONLINE offers MORE THAN THE REST, CHEAPER THAN REST? Car hire throughout Spain, the Canary & Balearic Islands . Hotel Club - The fast and secure service offering savings of up to 60% on your accommodation. To view Specials click here . PHA Travel has been offering independent advice on Health and Travel Insurance since 1995. Now in our 8th year this site provides our best selling value for money Travel Insurance from a range of reputable travel insurance companies. All policies are underwritten at Lloyds of London or through international travel insurance providers. 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Land loans , acquisition

loans: commercial mortgages land loans commercial financing Domestic international project financing international financing, international loans, international project financing . . . . . . . . . . 1 commercial real estate, asset business loans, commercial real estate finance, lender, loan services, equipment financing, equipment leasing, commercial equipment loans, equipment lending, loans for equipment, domestic and international equipment financing, equipment sale leaseback, business loans, working capital, buy back, refinance, hard cash money, business and finance, commercial lender, financing, equipment sale leaseback, financial services, commercial real estate finance, bridge, resale, commercial property loans, finance, equipment sale leaseback, small business financing, equipment lease, leasing, commercial mortgage, accounts receivable factoring, business, commercial, signature, unsecured personal business lines of credit, 144 restricted and free trading stock loans, stock block purchases, equipment sale, ease-back, funding, equity, lender, medical healthcare doctor financing, purchase order, advance commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, richard milford, mortgagecapfinancial Mortgage Cap Financial provides commercial real estate financing to real estate investors and developers in need of construction, interim, or long term funding on commercial real estate. 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 Mortgage Cap Financial PHONE: 212-631-4272 FAX: 212-208-3069 Please bookmark this site for future reference. email us Loan Types 1 Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format International Financing / International Project Loans: Loan amounts: 20,000,000 and above. Geographic: International with emphasis on projects in North, Central and South America, Europe and Asia. Types of projects: All types of large residential and commercial real estate developments, mergers and acquisitions financing for successful companies seeking to expand or buy out other companies, energy projects such as power plants, ethanol plants, oil and gas refineries, large infrastructure projects such as roads, bridges, railroads, cement plants, hotels, and casinos. Types of financing: Loan terms and conditions would be dependent upon the perceived risk of the project and the strength of the principals; however the rates and terms are very competitive. Please e-mail a summary of the International Project Loan request. LAND ACQUISITION AND DEVELOPMENT FINANCING CONSTRUCTION AND DEVELOPMENT FINANCING Loan amounts: 1,000,000 and above. Very large loan requests welcome. Types of properties: Land , construction and development of multi-family , hotels, motels , casinos, shopping centers, office buildings, industrial complexes, mixed use properties, nearly all general and special purpose properties will be considered. Rates and terms are reviewed with the principals and /or broker after submission of loan submission form and executive summary of the project has been received. Geographic areas: Throughout the United States with loan amounts 1,000,000 and above. International loans 20,000,000 and above. Projects in Mexico can be reviewed in loan amounts of 1,000,000 and above. Types of loans available: Land loans , acquisition and development financing, bridge loans, fast equity loans, and long term financing of 5 years and longer. Small, medium and large size developers are invited to submit loan requests. Types of land projects that we have reviewed recently are residential subdivisions, land lots, commercial development of land lots and subdivisions of mixed use properties. Interest rates are reflected by the perceived risk of the project and the financial strength of the principals and the willingness of the principals to guarantee the loan requests. Also the amount of time the principals have to act upon the loan request, very fast loans can be provided but the cost of capital will be higher because funds are derived from private funds. For projects that have a 30 to 60 day window to close interest rates can be lower because a greater amount of time is available for due diligence and greater amount of documentation can be provided and supported. We are able to assist developers in virtually all phases of their development whether it be a commercial or residential development, and sometimes there may be more than one solution to their financing request and they will be presented after review of their construction and development loan request . Special purpose property types such as amusement parks, casinos, power plants, and owner occupied business properties such as offices, gas stations, truck stops, and other special purpose properties can be considered. We understand the needs of the developer, and whether you need a fast loan to take advantage of a special acquisition opportunity or need a complex financial structure to build out your next project we are ready to consider your construction and development financing request. Please submit an executive summary of your construction and development loan request to Mortgage Cap Financial by E-Mail . Brokers and principals invited to acquire about all of our financing programs, information and checklists about the requirements of the various financing programs can be obtained by reviewing our entire web site. If there are any questions, please contact us . Domestic and International Financing Program: Loan amounts: 20,000,000 and above, all size projects that are 20,000,000 and above can be considered. Geographic: USA and Internationally based projects can be reviewed. Types of projects: Real estate, energy, and all type of infrastructure projects. Types of projects can include residential and commercial real estate development, hospitality and medical related facilities, power plants, oil and gas mining projects, infrastructure projects such as tunnels and railroads and other large scale projects that are needed throughout the world. Terms and conditions: That is dependent upon the specific project and the perceived risk of the project. Please e-mail us a summary of your project. Land / Construction Loans Quality Properties and Borrowers Loan Amounts: $3,000,000 - $20,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: land acquisition, refinance for infrastructure and construction Loan to Value (LTV): Purchase: to 90% of cost Refi: 60- 75% of as is value Construction: to 100% of construction cost Recourse: Yes. Non-recourse will be considered Advance Fees: NONE in most cases, until Term Sheet/LOI is issued. Then 3 rd party costs and out of pocket expenses. Loan Fees: 5-7 points Interest Rates: 11-14% Term Sheet / LOI: 5-7 days Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter Preview Checklist: 1. Executive Summary: 1-2 page Deal Summary. Include property history and any challenges that exist. Please be sure to include exact property location and description, detailed use of proceeds and Exit Strategy (how and when loan will be paid. 2. Purchase price or year of purchase and purchase price, if refinance 3. Executive Summary from latest appraisal 4. Resume and Personal Financial Statements on all Borrowers 5. Most recent business and personal tax returns on Borrowers 6. Current Credit Bureaus with FICO scores on Borrowers 7. Cash equity investment by Borrowers AND detailed use of cash to date. 8. Detailed use of funds and construction budget, if applicable 9. Status of required entitlements and approvals 10. project timetable for remaining entitlements, infrastructure, construction to Lease-up or full sell out 11. Pro-forma financial projections and operating statements. Digital aerial photos of property, if available LAND LOANS: Loan Amounts: 1,000,000 to 100,000,000 Geographic areas: USA, Canada, and Mexico Acquisition land loans up to 80% of purchase price and refinancing up to 70% of the value of land. SMALL LOAN PROGRAM FOR COMMERCIAL AND MULTI-FAMILY PROPERTIES: Loan Amounts: 500,000 to 3,000,000 Property Types: Apartments, retail, industrial and office buildings, hotels and motels. Mixed use properties such as apartments over commercial use property are acceptable. JUMBO COMMERCIAL FINANCING: Loan Amounts: 5,000,000 to 750,000,000 Terms: 5 TO 25 YEARS Property Types: MULTI-FAMILY, COMMERCIAL, DEVELOPMENTS, HOTELS, RESORTS, CASINOS, RESIDENTIAL DEVELOPMENTS Loan To Value: UP TO 90% Geographic: USA, CANADA, plus NORTH, CENTRAL, AND SOUTH AMERICA RATES ARE BASED ON RISK INHERENT WITH PROJECT. Types of Loans: CONSTRUCTION AND LONG TERM LOANS SECURED BY LAND AND IMPROVEMENTS BELOW PRIME RATE - FIXED RATE FINANCING: Owner User and Investment Properties Available in all 50 states . LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) DOCUMENTATION: Full Doc only min DCR of 1.2 CREDIT SCORES: 650 FICO PROPERTY TYPES: Owner User or Investment Properties: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered - case-by-case. NOTE: Flagged hotel/motel and restaurants ARE eligible for this program. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties INTEREST RATES 2 year fixed rate: Prime less 1.25% AS LOW AS: 5.75% Current APR NOTE: At end of 2 yr term, Borrower will have option of quarterly adjustable at P +1% or 5 yr fixed at then current rates. PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase rate by .625%) Other programs available with 5,7,10 and 25 yr* fixed rates. Call 212-631-4272 for details and quotes. * 25 yr fixed rate available only on Owner User Properties. COMMERCIAL CONSTRUCTION FINANCING: LOAN TO COST: UP TO 90% OF THE PROJECT CAN BE FINANCED, IN CERTAIN CASES UP TO 100% OF THE PROJECT CAN BE FINANCED. LOANS AVAILABLE NATIONWIDE USA. ALL 50 STATES CONSIDERED. MORTGAGE FINANCING: FIRST AND SECOND MORTGAGES AVAILABLE THROUGHOUT THE UNITED STATES. CONSTRUCTION LOANS ALSO AVAILABLE. LOAN AMOUNTS OF 500,000 TO 200,000,000. PROJECT TYPES CAN INCLUDE APARTMENTS, SHOPPING CENTERS, OFFICE BUILDINGS, HOTELS, MOTELS, INDUSTRIAL PROPERTIES. WE FINANCE THE HOTEL AND MOTEL PROJECTS: WE CAN FINANCE THE TO BE BUILT HOTEL OR MOTEL FLAGGED OR UNFLAGGED. WE ARE READY TO PROVIDE THE CONSTRUCTION OR BRIDGE LOAN SO YOU CAN GET THE PROJECT OFF THE GROUND OR TO REHABILITATE. CONTACT: RICHARD MILFORD - PHONE: 212-631-4272 FAX: 212-208-3069 OR JUST PRESS THE E-MAIL ENVELOPE AND LETS START TALKING ON HOW WE CAN FINANCE YOUR PROJECT. INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered on case-by-case basis. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 5 year rate: 5 yr FHLB + 2.65% AS LOW AS: 10 year rate: 7 yr FHLB + 2.90% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) ATTENTION: DEVELOPERS 100% FINANCING NOW AVAILABLE Pre-Leasing : Not required Property Type(s): All property types are eligible under this program including apartments, condos, hotels, motels, office buildings, resorts, golf courses, and a wide variety of commercial and residential developments . Geography: Nationwide USA, Canada, Mexico, and other countries considered. Minimum Deal Size (all-in cost): $5,000,000 Maximum deal size (all-in cost): $750,000,000 Development Type: All types of residential and commercial developments are considered under this financing program including hotel resort projects and speculative residential and commercial projects and rehab deals. Timing: Maximum Five (5) Year Hold Period. We are seeking developers and investors who have a successful track history and can demonstrate a successful history in residential and commercial development as well as real estate investing. INVESTMENT PROPERTIES MORTGAGE LOAN PROGRAM - PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format Property Types: - Office / Medical / Apartment properties / Industrial buildings / Retail centers / Warehouse properties / Mobile home parks / Self Storage Loan Amounts: $1,000,000 - $20,000,000 Terms: 10 to 25 year term mortgages dependent on property type. Amortization: Up to 30 years. Property types: Apartments and commercial income producing properties. Loan Types: Fixed and variable rate loans for property acquisition, refinance, and permanent financing. Loan to Value (LTV): Up to 80% LTV: $1,000,000 to $3,000,000. Up to 85% LTV on apartments, office properties or anchored retail, $3,000,000 and above up to 20,000,000. Recourse: NON RECOURSE Origination Fees: PAR RATES NO POINTS FOR THIS SPECIFIC LOAN PROGRAM ONLY. Rates: 10 yr fixed rate w/ 30 year am: - Apartments: as low as 5.2% (10yr T + 100 bp 145 bp) - Commercial: as low as 5.6% (10yr T + 140 bp 170 bp) Pre-qualification: 72 hrs Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: For the investment properties loan program only: - No seller carry or secondary financing permitted for this specific loan program - No restaurant, hotel/motel, auto related or land loans for this specific loan program - No construction loans under this specific loan program PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format MULTI FAMILY INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Multi family properties in MSAs with populations greater than 50,000 TERM and AM: 25 or 30 year fully amortizing, with no calls or balloon LOAN TO VALUE: Max 1 st lien: 75% LTV. Secondary financing not to exceed 85% CLTV CASH OUT REFI: 70% max LTV with 85% minimum occupancy FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 3 year rate: 3 yr FHLB + 2.65% AS LOW AS: 5 year rate: 5 yr FHLB + 2.65% 7 year rate: 7 yr FHLB + 2.65% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OCCUPANCY: 80% minimum at time of origination and projected FLAGGED HOTEL / MOTEL PROPERTIES Quality Properties and Borrowers Loan Amounts: $2,000,000 - $10,000,000 Term / Am: 10 year term with 25 year amortization Loan Types: 10 year fixed rate loans for property acquisition and refinance Loan to Value (LTV): 70 precent maximum for purchase or refinance (no cash out). 65% maximum if cash out refinance unless being used to enhance value of property. Recourse: Full recourse for this particular program, non recourse loans may be available at different rate, terms and conditions and may have yield maintenance prepayment penalties, this particular program have different prepayment penalty scenarios are dependent upon the specific project. Origination Fees: NONE Loan Fees: 2 to 4 points Rates: 10 yr fixed rate w/ 25 year am: 6.5% to 7.5% Pre-qualification: Completion of our loan submission form, once reviewed and there is interest the documentation below will be requested. Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format Commitment Letter: Within 7-10 days of receipt of complete loan package. Funding: 30 to 45 days from Commitment Letter. NOTE: - Good credit and cash flow. DCR: 1.3 minimum. - Established properties only. No turnarounds, startups or construction. - Value based on lower of purchase price or appraisal, if purchase. - Borrower must be experienced or hire recognized hotel management company. Please note that we have other hotel/motel financing programs that will review turnarounds, both franchised and non franchised hotels and motels, rates and terms are subject to change and underwriting. NEEDED TO PRE-QUALIFY: - L ast 3 years property tax returns. - Y ear-to-date financial statements. - C urrent credit bureau with FICO on Borrowers. - Executive Summary from latest appraisal. - Current Personal Financial Statements for Borrowers. - Latest personal tax returns from Borrowers. - Digital photos of property, or web site with photos. - Last 3 years occupancy annual reports. - Year to date occupancy monthly reports. - Amount of loan request. - Detailed use of funds. Commercial Bridge and Construction Loan Program $3,000,000 to $25,000,000 Purpose: Commercial construction loans and or commercial bridge financing for the ground-up development of new commercial properties, or the renovation and repositioning of existing properties, for both pre-leased and speculative development. Loan structure, pricing, advance to cost ratios and recourse requirements are flexible and will be tailored to meet the needs, risk profiles, and requirements of individual transactions. Acceptable Property Types: Apartments Condominiums Office Retail Industrial Mixed-Use Hotels Loan Term: Typically 12 to 24 month interest only term, with extension options when appropriate. Loan to Value: 75% on most property types; 65% on special purpose and hotels Maximum Loan to Cost: 75% to 85% (up to 100% on pre-leased projects) Loan Structuring: Loans typically structured with holdbacks for funding of all renovation and/or construction costs, tenant improvements, leasing commissions, and interest carry until stabilization, with monthly draws as costs are incurred. Earnout Provisions: Earn out of up to 75% of the stabilized value funded upon achieving specified occupancy and NOI hurdles. Loan Pricing: 3.00% to 4.00% over six month LIBOR (interest only), plus Loan Fees of 2% to 4%. Liability: Loans are typically non-recourse, except for standard carve-outs. Speculative development projects will generally require completion and/or debt service guarantees. Closing Time Frame: Approximately 45 to 60 days. Quick closes available for time sensitive transactions Permanent Loan: Permanent takeout option offered with all construction / bridge loans. An Exit Fee of 1% is charged if the takeout is not elected. Nationwide Bridge Loan Financing $2,000,000 to $75,000,000 Program Guide Project Types: Interim financing used to complete a time sensitive transaction, to reposition or renovate existing properties, or to overcome temporary credit or property challenges that make the transaction unsuitable for traditional lenders. Virtually any income producing property, including retail, office, medical, apartments, industrial/flex or special purpose properties. The primary considerations for bridge loan financing are the LTV and a compelling exit (repayment) strategy. Loan Amounts: $2,000,000 - $75,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: Property conversion or renovation or other need Loan to Value: 50% to 90% depending on project specifics and deal strength Recourse: Typically, Yes. Interest Rate: As low as Prime + 1.5%, depending on transaction strength Loan Fees: Dependent on deal strength Term Sheet/LOI: 3-5 days from receipt of all requested information Funding: 10 to 45 days from acceptance of LOI OWNER USER / SINGLE TENANT Commercial Property Financing Available in all 50 states. We offer very aggressive rates to for Owner User Commercial properties where the Borrowers business is the primary tenant or there is a single credit tenant Lessee. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSES: Permanent financing for purchase, expansion or refinance with cash out. PROPERTY TYPES: Office, retail, wholesale, light industrial and Special Purpose Properties (lower LTV); restaurants, flagged hotels, auto & truck dealers, RV Parks, self storage, bowling alleys, funeral homes, etc. TERM and AM: 25 fully amortizing, no calls or balloons LOAN TO VALUE: Purchases: max 85% LTV on multi use properties, 65% max LTV on Special Use Properties Cash Out Refi: max 75% LTV, lower on Special Use Properties FIXED RATE TERMS: Fixed rate loans available for 5, 10 or 25 years INTEREST RATES 5 yr fixed: 5 yr US T SWAP + 2.50 AS LOW AS: 10 yr fixed: 10 yr US T SWAP + 2.55 25 yr fixed: 10 yr US T SWAP + 2.65 PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OWNER USER PROPERTIES Conventional Loan Programs (Not SBA) Property Types ; - Office / medical - Restaurants - Industrial buildings - Auto related - Retail properties - gas station/C-store - Warehouse properties - other special purpose Loan Amounts: $1,000,000 - $30,000,000 Terms/Ams: 15/30, 20/20 and 25/25 (>$2 mil) Loan Types: ARM and Fixed rate loans for property acquisition, refinance and construction Loan to Value (LTV): * Multi-use properties: 85% LTV. To 100% LTV with Seller financing or other real estate equity as additional collateral. ** Special Purpose Properties: 65% - 75% LTV. To 85% LTV with Seller financing or other real estate equity as additional collateral. Recourse: Yes Loan Fees: 0 1 point, dependent of deal strength Interest Rates: Qtrly Adj: Prime to P + 1.5% 5 yr fixed: P + 1.0% 2.5% 10 yr fixed: P + 1.4% 2.8% 20 yr fixed: P + 1.75% - 3.25% 25 yr fixed: P + 1.85% - 3.45% Note: rates are subject to underwriting approval and may change without notice. Pre-Qualification: 72 hrs Commitment Letter: within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: - Seller carry may be permitted. - Construction loans: all interest and principal accrues during construction - Prepay Policy: 5/5/4/3/3 - Owner Occupancy: 25% minimum. Must have cash flow without rental income. Nationwide Commercial Real Estate Development Land, Construction and Joint Venture Financing Program Guide Borrowers: Experienced investors and commercial developers with demonstrated track record comparable to current project. Project Types: Commercial, retail, office, industrial/flex, residential subdivision, planned communities, golf course communities, condominium and condo conversions. Rehab projects and Special Situation projects considered. Loan Amounts: $5,000,000 - $75,000,000 Terms: 12 to 36 months, or longer depending on project Amortization: Interest Only Use of Proceeds: Total project financing, debt or JV equity for land acquisition, refinance for infrastructure completion and vertical construction Loan to Cost: 50% to 100% depending on deal strength Interest Rates: As low as Prime + 1.5%, depending on deal strength Recourse: Typically, Yes. Non-recourse considered. Loan Fees: Dependent in deal strength Term Sheet/LOI: 3-5 days from receipt of all required information Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter. Faster as needed. Commercial Financing Matrix Property Types Ranches and Farms Gas Stations, Car Washes, Auto Related Hotel and Motels Industrial Unimproved Land Golf Courses, RV Parks, Marinas Hospitals, Clinics, Assisted Living Mixed Use Property Mobile Home Parks Apartment Buildings Office Buildings and Parks Industrial Parks Office Condominiums Owner Occupied Businesses Parking Lots Self Storage Single Tenant Buildings Sports Related Buildings and Complexes Prisons, Jails, and Juvenile Correction Centers | Condominium Conversion / Construction loans | Casinos and Convention Centers Loan Types Acquisition and Development Bond Bridge Loans Business Loans Construction Equity Second Mortgages Foreclosure Avoidance Forward Commitments Joint Ventures Mezzanine Non-Recourse Notes Purchased Remodel / Renovation SBA 504, 7A Loans Loan amounts: $1,000,000 to $350,000,000 International financing for all types of real estate, business and energy related projects. Financing for power plants, ethanol plants, wind mills, casinos. Financing for mergers and acquisitions of successful real estate and business organizations. International financing can be for business expansions, residential and commercial development projects in loan amounts of $20,000,000 and above. Financing for prisons, jails and juvenile correction centers are intended for private sector companies that have been awarded federal, state or local governmental contracts to perform these services. If there are any questions, please contact us . Click here for Commercial Loan Submission Form, please complete ande-mail or fax back to us at 212-208-3069 so we can review your project (in Word). or in Adobe Acrobat format Equipment Financing / Leasing Program - PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format Equipment Leasing Qualifications : Financing available for business purposes only. No part of any funds can be used for personal purposes, separate business banking account and company must be registered with city and state government. Customer minimum 2 years in business, start ups and businesses established less than 2 years can be considered but personal credit of guarantors will be more critical Bank account open for at least two years and handled in a satisfactory manner, again less than 2 years can be considered with compensating factors Credit previously established for at least one year with a satisfactory payment history in the form of a lease, loan or trade agreement. If no prior credit maximum lease amount may be restricted Up to $50 million available with approval of completed application. Application only types of leases up to 150,000 with exceptional credit otherwise financial statements, tax returns and completed application Mortgage Cap Financial specializes in the following transactions: All Types of Equipment Non-Rated Credits Various End-of-Lease Options Available Purchase Single Transactions and Portfolios Profitable Companies, Minimum 2 Years in Business, start up and companies that are not profitable must have compensating factors such as additional collateral and/or personal guarantors Domestic and International equipment financing Why Lease? It's simple: leasing can be more cost-effective than buying with cash, or with conventional loans -- especially if the new equipment can help increase sales or profits. And here's why: Leasing conserves your working capital. You can finance up to 100% of the equipment cost, with no money down. Leasing won't sap your business credit. In many cases, you can continue to use your existing lines of credit while leasing. Fixed payments. Your monthly payments remain the same, no matter what happens to conventional interest rates. Tax savings. Lease payments can be operating expenses that come out of pre-tax earnings. Eliminate obsolescence. With an outright purchase, you 'own' that equipment, even if it is already outdated by newer technology. A lease can be structured to terminate when the equipment becomes obsolete. Flexible Terms and Conditions. Leases can be adjusted to your needs. Options include seasonal payment skips, step-up or step-down payments, monthly, quarterly, or annual payments. Simple accounting. A lease payment is typically a line-item expense that doesn't increase your liabilities on your balance sheet. If you don't see your equipment on this list, we still should be able to lease it. Most equipment can be leased. Vendors of equipment and customers wanting to lease equipment, if you need a down payment at the time of your order we can work out special terms. PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format A AC's Aerial Lifts Air Cleaning System Air Compressor Air Conditioners Air Filter System Air Purification Alarm Alignment Machines Amusement Analytical Equipment Analyzer ATM Cash Dispenser Audio Video Audio Visual Automotive B Backhoe Bagging Machines Bakers Equipment Balers Beauty Equipment Beds, Bedding Beer Systems Beverage Dispenser Blast Cleaning Blowers Boilers Bowling Lockers Brake lathes Breathalyzer Machine Broadcasting Studio Equipment Buffer Bulk Storage Tanks Bulldozers C Cameras Car Wash Carpet Cleaner Carts Cash Register Chairs Chipper Cleaning Equipment Clothes Press Coffee Carts Coffee Maker Coin Changer Coin Laundry Equipment Color Matching System Color Mixer Computers Compressors Compactors Concrete Pump Concentrators Construction Machinery Containers Conveyers Coolers Cooling Cranes Cutting Tools D Data projector Deli Case Dental Equipment Diagnostic Equipment Digital Systems Dishwashers Dispatch Equipment Display Case Draft Box Dry Clean Press Dry Cleaning Dryer E Emergency Vehicles Engraving Equipment Excavators Espresso Machine F Fax Machines Filing Equipment Film processors Fixture Floor Machines Flower Coolers Food Preparation Food Service Equipment Forklifts Franchise Programs Frame Machine Freezer Frozen Cocktail Machine Fryer Furniture G Gas Pump Graphic Equipment H Heat Pump Heaters Heating Hospital Beds Hydraulic Submersible Pumps I Ice Cream Machine Ice Machine Ice Makers Imaging Systems Industrial Systems Inventory Control Systems Ironworkers Equipment J Janitorial Juke Box K Kiosks Kitchen Equipment L Laptops Laser Engraving Laser Systems Laundry Equipment Lawn Equipment Lifts Lighting Lock Systems Logging equipment M Machine Analyzer Mail Boxes Medical equipment Medical Imaging Merchandising Unites Microwaves Milling Machine Mobile Communications Mobile Phones N Navigational Equipment O Office Furniture Organs Oven Overhead Cranes Oxygen Concentrators P Packaging Systems Packer Bodies Pagers Paint Booths Paint Mixer Pallet Equipment Petroleum Gas Station Phone Systems Photography Equipment Piano Pizza Oven Plotter Pneumatic Tube Systems Point of Sales Portable Pumps Portable Trade Show Exhibits Prep Table Press Pressure Washer Printing Equipment Pump Systems Push Carts R Radios Range Recovery Equipment Recycling Equipment Refrigeration Register Rehabilitation Equipment Restaurant Equipment Retail Units Roll Offs Router Tool System S Salon equipment Sandwich Prep Table Satellite Dish Saws School Buses Screen Printing Equipment Security Systems Sewing Machines Signs Silk Screen Equipment Shrink Wrap & Packaging Skid steer Loaders Slicer Smart Dialers Smoker Snack Machine Snow Board Press Soda Machine Software Sound & Music Equipment Special Industrial Equipment Spray Systems Steam Cleaners Steel Pallets Store Fixtures Stove Sub Maker Surface doctor Equipment Surveillance Systems T Telephone Systems Television Systems Test Equipment Tire Equipment Tools Tractors Trailers Transportation Treatment Tables Trenching Machines Trucks Tub Grinders Two Way Radio Systems TV V Vacuum Valve Equipment Van Vehicle Monitor Equipment Vending Machines Video Security Voice Mail W Walk In Cooler Warehouse Rack Systems Washer/ Dryer Waste Equipment Waste Oil Heaters Water Conditioner Water Filter Water Softener Welder Woodworking Work Platforms Wrecker X X-ray Equipment Y Yogurt Machine Loan Types Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format PHONE: 212-631-4272 FAX: 212-208-3069 Loans provided are only for business and investment purposes. Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request. Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes. Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation. The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial. web site: http://www.mortgagecapfinancial.com Please bookmark this site for future reference. Legal Notice Last update 01/01/2006. Site created 11/27/98. Web Site designed and maintained by Able Al'sComputer Help . (c)1998-2006 Mortgage Cap Financial. Allrights reserved. capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture

Florida real estate courses

Real Estate Program at the University of Florida REAL ESTATE at the University of Florida and to indicate current menu selection -- Home Degree Programs Student Resumes & Placement Info Friends & Alumni Center Events Alfred A.Ring Speaker Series Research & Faculty and to indicate current menu selection -- Main Real Estate Activities MSRE Class of 2005 University of Florida real estate courses and degree programs are housed in the Warrington College of Business (WCB), Department of Finance, Insurance & Real Estate (FIRE). The degree programs and activities are supported by the Center for Real Estate Studies (CRES). Although housed in the WCB, CRES actively promotes interaction with related programs such as Urban Planning, Architecture, and Building Construction. This multidisciplinary approach, coupled with the active involvement of real estate professionals, provides a premier educational experience for University of Florida students. Why study at UF? 2005 CRES Conference, September 16-17, 2005 The Fall 2005 University of Florida – Center for Real Estate Studies Advisory Board Retreat & Conference was held September 15-17 at the University of Florida Hilton Hotel & Conference Center in Gainesville. This yea r's Conference was attended by 220 industry professionals, UF alumni, students and faculty. Highlights of the Fall Conference An action plan and vision of the Center's objectives presentation by Ray Sandelli, Chairman of the CRES Advisory Board Introduction to the Master of Science in Real Estate (MSRE) Class of 2006 Preliminary results of the inaugural UF CRES Survey of Emerging Markets Conditions This year's Open Forum Summit was moderated by Steve Cohen, SVP, SunTrust Banks and Dr. Hank Fishkind, Florida Economist, Fishkind & Associates Ray Sandelli hosting the Conference Keynote Address by Mr. Terry Stiles, CEO, Stiles Corporation (View video 56K Broadband ) Real Estate Case Studies Condo Conversion - The Greens at West End Download PPT Presentation Retail Shopping Center Development View video 56K Broadband Preparing the Property Prospectus & Offering Memorandum Download PPT Presentation View video 56K Broadband Industry Roundtable Presentations Industry Roundtable discussions were led by Advisory Board members from leading firms and industry sectors from across Florida on topics of current interest to Conference attendees. These discussions produced insightful questions, instructive comments and lively interaction. Dr. Hank Fishkind, Florida Economist and Co-Moderator of the Open Forum Steve Cohen, SVP, SunTrust Bank, Co-Moderator of the Open Forum Rob Gidel, Prof. David C. Ling, Todd Jones and Mark Monroe at CRES Reception on September 15, 2005 The event concluded Saturday, September 17th with the MSRE-hosted tailgate just prior to the UF- Tennessee football game. For those who were unable to attend, a summary of the retreat is included in the Center Events Webpage . Prof. David C. Ling accepting award for “Exemplary Leadership and Commitment to the UF Real Estate Program” We look forward to seeing everyone at the following events Spring 2006 – UF CRES Advisory Board Retreat to be held May 11-12, 2006 at the Omni Orlando Resort at ChampionsGate, Orlando, FL Fall 2006 – UF CRES Advisory Board Conference to be held September 21-23, 2006 at the University of Florida Hilton Hotel & Conference Center in Gainesville About CRES Invest In CRES & Graduate Real Estate Programs CRES Advisory Board Contact Us Center for Real Estate Studies West University Avenue and 13th Street 301 Stuzin Hall P.O. Box 117168 Gainesville, Florida 32611-7168 Pam DeMichele pam.demichele@cba.ufl.edu Ph: 352-273-0310 Fax: 352-392-0301 Last updated on September 05, 2005. 2001 University of Florida

Property Search DIY &

Property search from Channel4.com/4Homes E4 More4 FilmFour FourDocs TV Listings Site A-Z NEWS FILM HOMES LIFE ENTERTAINMENT HISTORY SCIENCE COMMUNITY SHOP SPORT CULTURE CARS MONEY VIDEO LEARNING HEALTH MUSIC GAMES Home Welcome News On TV Grand Designs Grand Designs Abroad Previous Houses Features Information Streets Ahead Property Ladder Location, Location Relocation, Relocation Home from Home City Gardener Selling Houses Room for Improvement Up Your Street Making Space A Place In The Sun The Great Garden Challenge Home or Away A Place in France A Place in Greece A Place in Greece House Auction More Programmes Presenters TV Listings Buying & Selling Where to Buy How to Buy How to Sell Special Cases House Price Index Renting Property Search DIY & Building Guides Building a House Ask the Expert Style Design Guides Features Living Rooms -- Bedrooms -- Kids Rooms -- Storage solutions -- Dining Rooms -- Home Office -- Hall -- Outdoor Living -- Period Styles -- Buying Abroad Country Guides Features Property of the Week Chat, Vote & Win Vote Win Forum -- Newsletter Forum Profit from Property Buy to Let Property Development Money Deals SEARCH All 4Homes: On TV Buying & Selling Renting Property Search DIY & Building Style Buying Abroad Chat, Vote, Win Profit from Property PROPERTY SEARCH Property Search Search our database of over 150,000 properties currently for sale. Sell Your House Online Advertise your home to a huge audience by submitting it to the 4Homes property search Guides Buying At Auction A great opportunity to pick up a bargain but definitely not for the uninitiated Buying & Selling Everything you need to know when it comes buying or selling property How to Buy Not sure what freehold and leasehold mean? Let us help. How to Sell Smartening up your home for a faster sale. Finding The Right Property Finding the right property can be a long and tiring process, especially with so much choice on the market. Finding The Right Area Finding the right area to live in is invariably trickier than finding the right house UK PROPERTY SEARCH Over 150,000 homes Type a location: Price range: Min Price £0 £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 Max Price £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 £10,000,000 Min bedrooms: Min Beds 1 2 3 4 5 6 New homes only 4HOMES MAIL Enter your email to sign up to the 4Homes newsletter CROSS PROMO 1 Property search poll text text text text text text CROSS PROMO 2 Property book text text text text CROSS PROMO 3 Property link text text text text About C4 | Jobs | Text Only | Access Advice | Contact Us | Terms and Conditions | Privacy | Help | Online Ad Sales

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1DO3.com: Home & Lifestyle > Buy a house or flat CallCode™ Login Home | Web Log | Make home page | Send this page | About 1DO3 Membership | 1DO3 More | Suggest Changes | Help Christmas | Computing & Technology | Education & Training | Family | Health | Home & Lifestyle | Kids | Leisure & Arts | Money | News & Reference | Politics & Government | Science & Planet | Shopping | Society & Law | Sport | Travel | Work & Employment What do you want to do? Get yourself a web site by teatime. Easy, intuitive and free . Just sign up and go. From the creators of 1DO3. Buy a house or flat cookery equipment DIY equipment and tools electronic equipment (TVs etc.) furniture gardening equipment, supplies and plants household appliances Check your horoscope Cook a meal Decorate your home Do building work Find local services Find a recipe trades person (plumbers etc.) Get gardening advice and information insured Indulge yourself Interpret your dreams Keep a pet Lead a healthy lifestyle Move house Protect your home Rent a flat Run a business from home If what you want to do isn't listed, click here to suggest it to us. Support 1DO3 by clicking through to our affiliated sites below: -- Home & Lifestyle > Buy a house or flat Check prices Land Registry This brilliant site means you can find out what other houses in any particular street cost last time they were sold, what your old flat went for last year, how much the bloke next door paid for his. No more secrets, no more dissembling from estate agents. Contact estate agents Just a Sign If you want to sell your own home without the aid of estate agents then this site could be of some use. They can provide you with your own personalised and professionally made for sale sign to stick on the front of your property. National Association of Estate Agents The NAEA is a national standards body for Estate Agents. Their members subscribe to a code of good practice, and this site will tell you where to find them. Gives you some protection from the sharks! Find a house or flat Fish 4 Homes A simple to use website that can help you to find homes to buy or rent in a specific area of the country. As well as location, you can also specify price range and factors such as number of bedrooms and type of property. Useful and pretty quick as well. Heritage Here is a full list of listed buildings for sale run by a firm of estate agents modestly called Pavilions of Splendour. Its got some great places for sale, and some useful information about this particular market. Property Finder One of the biggest listings of property from all over the UK. Simply provide some details and Property Finder will search its database of over 100,000 properties to find suitable matches. You can also use this site to find a local estate agents. The Move Channel - Site Finder The Move Channel contains a database of over 5000 property related sites from the UK. Using their search engine or browsing through the categories you can find loads of relevant and useful sites that can help you find, sell, buy or rent property. UK Property Move - Home Finder Advertise your property online or use this free service to find yourself a new place to live. You can search in all regions of the country and specify details such as a price range to narrow down the options. Could be a useful way to advertise property. UK Property Shop UK National Directory of Estate Agents. Selling, buying, renting are all covered. It has a simple search with email enquiries, full addresses, and contact details of agents given. It also has some property listings. Find a mortgage Charcoal Online This website offers independent advice and can help you choose between over 500 different products available from almost 50 different lenders. Covers mortgages, re-mortgages, first time buyers, buy to let mortgages and has a 'best buys' bargains section. MCCB - Consumers The Mortgage Code Compliance Board are responsible for ensuring that you are well informed and protected when you take out a mortgage. If you have any problems with your lender, it is worth seeing if they can help. Mortgage Point A mortgage site that is specifically aimed at people with bad credit history or first time buyers. They have access to a large number of different products from major lenders and have a form to fill in online to request individual recommendations. 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Finding businesses and services all over the country is simple and easy and the results of your searches are usually presented really quickly. They also have a good cinema finder. The Post Office The official site of the post office can be a little slow to load but once its all there, this is a useful and informative site. It includes the ability to find your nearest post office to within one mile and get postcodes for UK addresses. UK Online - Local Services Use this amazing site to find your local citizens advice bureau, job centre, health services, passport agency, post office, schools, social security office, tax offices and much more local information. A brilliant resource. Up my street By simply entering your postcode, you will be given an up to date guide to some very detailed information about your local neighbourhood. Includes property prices, local services, local government, childcare, employment and much more besides. Yell The online yellow pages allows you to search millions of businesses across the UK to find the services you need in your local area. Get free quotes (surveyors etc.) Really Moving - Free Quotes This service from the excellent 'Really Moving' site provides free quotations on a number of common moving-home related services such as surveys, conveyancing, cleaning etc. The quotes are from reputable companies in your area and are in no way binding. Get help with conveyancing Conceyancing Marketing Service This site aims to help you deal with the intricacies of conveyancing and offers practical advice and competitive quotes for conveyancing services. Easier 2 Move An online conveyancing site that offers to find you a conveyancing solicitor at a a competitive fixed rate with no extra hidden charges. The site is well designed and easy to use and getting a free quote takes seconds. Tip: "Press F5 to refresh the page you are currently looking at. Pressing 'Ctrl' and 'F5' together will download a new version of the same page." Please send us tips that you think other users would find useful - editor@1DO3.com If there are websites you think should be on this list, please click here to suggest them to us. © 1999-2005 DuckDriver Ltd. All rights reserved. 1do3, ido3, 1d03, id03 and CallCode are trademarks of DuckDriver Ltd. Co.No. 4015550. PO Box 228, Chichester, PO20 8WF