When the sweetest of deals fall into our laps unannounced, should you pass it up? Definitely not, however, if you are finding low levels of financial resources, you may have to get a little creative in terms of financing. When you are looking to finance your investment property creatively, you have come to the right place. Here you will discover different and creative methods of financing your deals. If you do not want to use these methods, they will definitely get the creative juices flowing, at the very least.
Need a loan? Consider No Doc or Low Doc
These are perfect for those who have little documentation that proves the extent of your income or creditworthiness. Furthermore, it is particularly beneficial to those that work at home. A no doc or low doc loan works exactly as it sounds. Depending on the specific type, you will either be required to present very little documentation or none at all. There is a downside to these particular types of loans however, you will probably only receive the loan for around 80% of the value or purchasing price of the investment property.
A Friend in Need, is a Friend Indeed
Being creative in financial deals, means pulling all of your resources together, this could mean talking to your friends. Your friends may be the answer to all of your financial issues. They could be looking for an investment property, just like you, this could be a great solution for the both of you. You should, however, ensure that your friend is someone you have full trust in and know extremely well. How would it work? Well, both of you would place money to go towards the down payment; therefore, you both would have an investment property. Each of you would also have a hold and say so in both the mortgage and the title.
Family for Life
Family members are often an excellent resource when it comes to financing an investment property. Many people really do not want to go to there family and ask them to give you money. However, you could take a different approach instead of asking them for a gift or a handout consider asking for a loan. Much like a bank, only these are your family members. You should always offer to pay the loan back, within a specific period of time, at a predetermined rate of interest.
Remember this is an investment for them as well, an investment in you. Therefore, you should make the offer of paying back with interest. It is highly likely as a family member, that they will refuse the offer of interest and just want the initial sum paid back, but you should never assume and always make the offer.
Summary:
What should you do when you have run out of financial resources, but you have a sweet deal on the table for investment property? Get creative!
By : Brooke Hayles
Check Out More Helpful Information About Investment Property For FREE! Visit http://www.investment-property-that-works.com/ Now!
Saturday, July 25, 2009
Sunday, July 19, 2009
Using Investment Property Loans To Leverage Your Assets
Investment properties have lots of benefits when it comes to generating income and building long-term wealth, just remember that this wealth is not always as predictable and guaranteed as you would like.
As a means of diversifying your income across different asset classes, real estate investment is typically less volatile than shares in stock and in the past has been a haven investors rush to when stocks and other investment vehicles suffer. While investing in real estate has lost some of it's lustre since the boom times of the late 1980s and the early 2000s, sensible investments in property still have many attractions and should be considered as part of a diversified investment portfolio.
But before you can start investing in property you have to have the funds to do so. This is where an investment property loans can help you leverage your current assets. As long as your real estate property brings in more money that your payment on the loan you are generally in good shape and can grow your equity in the property.
You can now purchase investment property with more options and flexibility than you have ever thought possible, using investment property loans. Getting an Investment property loan is easier than you think. It is more than possible for you to intelligently finance properties with investment property loans.
Different loans require different things. We will discuss the options available to you in order for you to get your investment property loan.With the increase of lenders available for your investment property loan there has been an increase in the different down payment options as well. Many of them are based on things such as credit score requirements, and whether or not the property will qualify for a particular investment property loan.
While you can get a lot of accurate and useful information from the Internet, you can also get misleading information from the Internet such as claims saying a large down payment is required to get investment property loans. This is not the case anymore, as more and more people are investing in property without making any down payments or very small down payments. Lower mortgage rates can be obtained while getting the investment property loan you are looking for. This is easy when you put some sort of down payment on the property. This mitigates the banks risk and offers more options for the investment property loan. Many benefits can be obtained when a person uses a tiny down payment.
By : infocus
For more great loan related articles and resources check out http://just-brokers.info
As a means of diversifying your income across different asset classes, real estate investment is typically less volatile than shares in stock and in the past has been a haven investors rush to when stocks and other investment vehicles suffer. While investing in real estate has lost some of it's lustre since the boom times of the late 1980s and the early 2000s, sensible investments in property still have many attractions and should be considered as part of a diversified investment portfolio.
But before you can start investing in property you have to have the funds to do so. This is where an investment property loans can help you leverage your current assets. As long as your real estate property brings in more money that your payment on the loan you are generally in good shape and can grow your equity in the property.
You can now purchase investment property with more options and flexibility than you have ever thought possible, using investment property loans. Getting an Investment property loan is easier than you think. It is more than possible for you to intelligently finance properties with investment property loans.
Different loans require different things. We will discuss the options available to you in order for you to get your investment property loan.With the increase of lenders available for your investment property loan there has been an increase in the different down payment options as well. Many of them are based on things such as credit score requirements, and whether or not the property will qualify for a particular investment property loan.
While you can get a lot of accurate and useful information from the Internet, you can also get misleading information from the Internet such as claims saying a large down payment is required to get investment property loans. This is not the case anymore, as more and more people are investing in property without making any down payments or very small down payments. Lower mortgage rates can be obtained while getting the investment property loan you are looking for. This is easy when you put some sort of down payment on the property. This mitigates the banks risk and offers more options for the investment property loan. Many benefits can be obtained when a person uses a tiny down payment.
By : infocus
For more great loan related articles and resources check out http://just-brokers.info
Thursday, July 16, 2009
What Property Investment Can Do for You!
Over the years property investment has been seen by many as an attractive venture. This has in the main been due to its high income yield and the fact that it performs well during periods of stable economic growth. With the last 15 years providing an extremely stable economy, many people interested in property investment in the UK are holding back due to fears that they could lose money should this period of economic stability end. Below we look at reasons why despite the risks, property investment could be the right way forward for you.
Property Investment for the Long-Term.
Generally speaking property investment gives you access to two main benefits: capital growth and tax advantages. Capital growth is the money you will make as the value of your property increases. Experts claim that property investment which is undertaken with a long term viewpoint is unlikely to lose money regardless of any changes in economic circumstances due to capital growth. This is because if you look at the long term history of property prices they have overall continued to increase. The house that you bought will have cost more than the same sized house that your parents bought thirty years ago. This means that as long you are never in absolute need to sell the property you can choose to sell the property at the right time to make you the most amount of profit.
Property Investment Portfolio.
One way to make property investment an even more secure type of investment would be to buy several properties in a range of countries. This would mean that even if the property market was struggling in the UK you would be able to get your financial security from the property you have elsewhere. If you are concerned about the costs involved in doing this then it is worth considering buying a property in a country which falls under the up and coming category. This would include countries which have recently entered the EU or are set to enter the EU. The property prices in these countries are as such that purchase of the property is certainly worthwhile.
If you are interested in finding out more about some of the benefits property investment can bring then it is always advisable to get in contact with a specialist who will be able to give you impartial advice.
By : Elizabeth Grant
Elizabeth Grant has been in the finance industry for more than 20 years and writes exclusively for http://www.the-mortgage-broker.ltd.uk specialist mortgage websites. To read more of Elizabeth's articles on Buy to Let Mortgages please visit http://www.buy-to-let-centre.co.uk.
Property Investment for the Long-Term.
Generally speaking property investment gives you access to two main benefits: capital growth and tax advantages. Capital growth is the money you will make as the value of your property increases. Experts claim that property investment which is undertaken with a long term viewpoint is unlikely to lose money regardless of any changes in economic circumstances due to capital growth. This is because if you look at the long term history of property prices they have overall continued to increase. The house that you bought will have cost more than the same sized house that your parents bought thirty years ago. This means that as long you are never in absolute need to sell the property you can choose to sell the property at the right time to make you the most amount of profit.
Property Investment Portfolio.
One way to make property investment an even more secure type of investment would be to buy several properties in a range of countries. This would mean that even if the property market was struggling in the UK you would be able to get your financial security from the property you have elsewhere. If you are concerned about the costs involved in doing this then it is worth considering buying a property in a country which falls under the up and coming category. This would include countries which have recently entered the EU or are set to enter the EU. The property prices in these countries are as such that purchase of the property is certainly worthwhile.
If you are interested in finding out more about some of the benefits property investment can bring then it is always advisable to get in contact with a specialist who will be able to give you impartial advice.
By : Elizabeth Grant
Elizabeth Grant has been in the finance industry for more than 20 years and writes exclusively for http://www.the-mortgage-broker.ltd.uk specialist mortgage websites. To read more of Elizabeth's articles on Buy to Let Mortgages please visit http://www.buy-to-let-centre.co.uk.
Wednesday, July 15, 2009
Why Land Is The Strongest Investment
There is a huge shortage of land in the United Kingdom, which is fuelling house prices and rising homeless, so buying land which is undeveloped that can be purchased is a great investment opportunity and taking into account the supply and demand situation in relation to the UK property requirements it is easy to see why.
Land value is rising steeply, and to many who thought this type of investment was only open to developers
and professional investors, this is just not the case anymore.
Top investment properties represent leading property developers in the UK who offer land investment on their prime residential developments which meet the overwhelming housing demand in England - and, the planning process is handled by the developer at no additional cost to you, with the buy back agreement in place before you spend one penny!
"One simple investment can make over 400% return within 4 years"
Many investors are buying because of the huge benefits of compounding on land that will give them massive profits in the near future using this proven method for wealth creation.
Land investment versus property investment
Land investment benefits from no mortgage, tenants, voids, maintenance, utilities etc, etc, etc, as you would expect when purchasing a property for investment, this would mean no headaches and worries at all.
Also with a property investment the initial outlay is higher, and there is no guarantee you would sell at a high profit in the present climate within 4 years, yet alone over 400%.
Compounding
Land is a great low entry investment strategy with the benefits of compounding using this program, let me explain more.
There are now lots available from ?10,800 upwards and with the buy back option from the developer in the period of 4 years at around 425% growth, you can make a return on investment of around ?45,700.
If you now work this out and compound your land investment of ?10,800 every 4 years at this growth rate with this particular land programme, this entitles you to get into more land investment deals, and because the developer is always offering a buy back option, you have the choice, to flipp, resell hold or compound.
One initial investment of ?10,800.00
4 years return on investment: = ?45,900.00
compound for 8 years return on investment = ?195,075.00
compound for 12 years return on investment = ?829,068.00
So for a total of 12 years your return on investment when compounded works out at ?829,068.00 from 1 investment of ?10,800.
This developer has 1000s of acres of land with potential development for investment - and the planning process is handheld by the developer, therefore has the buy back agreement in place before one penny is spent.
By : Paul Burrows
If you would like to know more about land investment and our 6 hot reasons to invest right now then please click here. http://www.topinvestmentproperties.com/land/ukland.htm thank you
Land value is rising steeply, and to many who thought this type of investment was only open to developers
and professional investors, this is just not the case anymore.
Top investment properties represent leading property developers in the UK who offer land investment on their prime residential developments which meet the overwhelming housing demand in England - and, the planning process is handled by the developer at no additional cost to you, with the buy back agreement in place before you spend one penny!
"One simple investment can make over 400% return within 4 years"
Many investors are buying because of the huge benefits of compounding on land that will give them massive profits in the near future using this proven method for wealth creation.
Land investment versus property investment
Land investment benefits from no mortgage, tenants, voids, maintenance, utilities etc, etc, etc, as you would expect when purchasing a property for investment, this would mean no headaches and worries at all.
Also with a property investment the initial outlay is higher, and there is no guarantee you would sell at a high profit in the present climate within 4 years, yet alone over 400%.
Compounding
Land is a great low entry investment strategy with the benefits of compounding using this program, let me explain more.
There are now lots available from ?10,800 upwards and with the buy back option from the developer in the period of 4 years at around 425% growth, you can make a return on investment of around ?45,700.
If you now work this out and compound your land investment of ?10,800 every 4 years at this growth rate with this particular land programme, this entitles you to get into more land investment deals, and because the developer is always offering a buy back option, you have the choice, to flipp, resell hold or compound.
One initial investment of ?10,800.00
4 years return on investment: = ?45,900.00
compound for 8 years return on investment = ?195,075.00
compound for 12 years return on investment = ?829,068.00
So for a total of 12 years your return on investment when compounded works out at ?829,068.00 from 1 investment of ?10,800.
This developer has 1000s of acres of land with potential development for investment - and the planning process is handheld by the developer, therefore has the buy back agreement in place before one penny is spent.
By : Paul Burrows
If you would like to know more about land investment and our 6 hot reasons to invest right now then please click here. http://www.topinvestmentproperties.com/land/ukland.htm thank you
Different kind of investment funds explained
Investment fund is the investment of money for profit. An investment fund is a financial investment vehicle, which is aimed at private investors - little or large-or institutional investors-insurance companies, banks - and offers the following five key advantages over direct investment in shares, bonds and property:
1. Risk is spread and hence reduced.
2. Funds allow you to tap into professional, expert and full time investment management expertise.
3. Funds are cost effective.
4. Funds offer access to markets that may otherwise be closed or too technical for retail/individual investors.
5. Funds benefit from institutional safety, which means they are heavily regulated and supervised.
The benefits of investment funds, where individuals from all walks of life pool their savings together, can be summed up as offering everybody - from professional or institutional investors to people with limited time, or limited investment skills or modest means - access to investment returns otherwise only available to more sophisticated investors, who are able to buy their own professional portfolio management advice.
Investment funds generally entail less risk than direct holdings of securities, and offer economies of scale. It is a firm that invests the pooled funds of retail investors for a fee.
Information on the product you, as an investor, are contemplating buying is crucial.
Usually, all vital information must be included in an investment fund's prospectus. However, prospectuses have become increasingly complex and difficult to understand, thus discouraging investors from reading them.
Investment funds are suitable for anyone who:
1. Is planning to invest in the capital markets but does not want the risks or costs associated with direct investment in equities or bonds.
2. Already has enough money to cover their everyday spending needs and has some spare cash.
3. Can accept possible temporary falls in the value of their investment.
Investment funds should be considered as a long-term savings product. Investments should be held for at least three to five years, preferably longer. In fact, the longer the time scale, the greater the potential to make money grow.
Investment funds can be classified according to their investment objectives.
1. Money Market Funds
Money market funds invest a sizeable portion of the fund's portfolio in short-term bonds and/or money market instruments (such as certificates of deposit, commercial paper, treasury bills,).
2. Bond Funds
Bond funds invest in fixed interest rate securities as a sizeable portion of the fund's portfolio. These funds generally have a global average maturity of more than one year and its investments can consist of different instruments with very different quality ratings.
3. Equity Funds
Equity funds invest in the stock market at a significant portion of the fund's portfolio. These funds are frequently also called stock funds.
4. Balanced Funds
Balanced funds spread their portfolio over the three main classes described above.
By : Mark Plummer
Mark Plummer Asia based independent Offshore Investment advisor.Has been involved in the financial services and financial planning business since leaving full time education in 1977.It was his intention to provide an insight in to both the mainstream products offered by the general population of financial advisors out there and also the alternative investment areas that are often overlooked or ignored. For more details please visit www.wealthcapfund.com
1. Risk is spread and hence reduced.
2. Funds allow you to tap into professional, expert and full time investment management expertise.
3. Funds are cost effective.
4. Funds offer access to markets that may otherwise be closed or too technical for retail/individual investors.
5. Funds benefit from institutional safety, which means they are heavily regulated and supervised.
The benefits of investment funds, where individuals from all walks of life pool their savings together, can be summed up as offering everybody - from professional or institutional investors to people with limited time, or limited investment skills or modest means - access to investment returns otherwise only available to more sophisticated investors, who are able to buy their own professional portfolio management advice.
Investment funds generally entail less risk than direct holdings of securities, and offer economies of scale. It is a firm that invests the pooled funds of retail investors for a fee.
Information on the product you, as an investor, are contemplating buying is crucial.
Usually, all vital information must be included in an investment fund's prospectus. However, prospectuses have become increasingly complex and difficult to understand, thus discouraging investors from reading them.
Investment funds are suitable for anyone who:
1. Is planning to invest in the capital markets but does not want the risks or costs associated with direct investment in equities or bonds.
2. Already has enough money to cover their everyday spending needs and has some spare cash.
3. Can accept possible temporary falls in the value of their investment.
Investment funds should be considered as a long-term savings product. Investments should be held for at least three to five years, preferably longer. In fact, the longer the time scale, the greater the potential to make money grow.
Investment funds can be classified according to their investment objectives.
1. Money Market Funds
Money market funds invest a sizeable portion of the fund's portfolio in short-term bonds and/or money market instruments (such as certificates of deposit, commercial paper, treasury bills,).
2. Bond Funds
Bond funds invest in fixed interest rate securities as a sizeable portion of the fund's portfolio. These funds generally have a global average maturity of more than one year and its investments can consist of different instruments with very different quality ratings.
3. Equity Funds
Equity funds invest in the stock market at a significant portion of the fund's portfolio. These funds are frequently also called stock funds.
4. Balanced Funds
Balanced funds spread their portfolio over the three main classes described above.
By : Mark Plummer
Mark Plummer Asia based independent Offshore Investment advisor.Has been involved in the financial services and financial planning business since leaving full time education in 1977.It was his intention to provide an insight in to both the mainstream products offered by the general population of financial advisors out there and also the alternative investment areas that are often overlooked or ignored. For more details please visit www.wealthcapfund.com
What are the Advantages of Investment Property?
Recent studies suggest that the amount of people jumping on the investment property bandwagon is set to rise over the next six years, due to the 2012 Olympics. As with the many other benefits brought about by London's hosting of 2012 Olympics, this predicted increase in investment property will not just affect London but all major towns and cities in the UK. So what kind of benefits can investment property afford?
Stability in Investment Property
Whether you are a first time buyer set to buy your own home or an influential investor looking into investment property the benefits which the investment in bricks and mortar afford, should not be underestimated. Although taking risks on the stock exchange may yield higher returns, investment property can provide you with a stable, steady income and a relatively secured level of return on investment. When looked at with a long-term view the investment property is unlikely to ever lose you money. You may have to pick the right time to sell a property but as long as you keep looking at this investment with a long-term view you will be hard pushed to go wrong. Put simply, property is historically stable and if you are prepared to wait it out you can make money on it.
Financial Gain
If you do your homework and consider your investment property as a long term investment the financial gains to be won through investment into property are fairly substantial. In short, one of the most significant benefits with regards to investment property is that as long as you have a bit of free capital you are able to borrow money from the mortgage lenders, in order to buy a property which you can then let out and charge tenants money in order to pay back the mortgage lender. In affect you become a middleman who is set to earn a good return on investment as long as you decide to follow a few basic steps.
Return on Investment.
Studies suggest that, on average, a home doubles in value every seven years and whilst this is not guaranteed as long as you have the property correctly evaluated and you buy in the right area you can feel certain that you are making a good, financially sound investment. This means that if you have a lump sum of money which you are interested in investing then Investment Property is certainly a type of investment worth having a look at.
By : Elizabeth Grant
Elizabeth Grant has been in the finance industry for more than 20 years and writes exclusively for http://www.the-mortgage-broker.ltd.uk specialist mortgage websites. To read more of Elizabeth's articles on Buy to Let Mortgages please visit http://www.buy-to-let-centre.co.uk.
Stability in Investment Property
Whether you are a first time buyer set to buy your own home or an influential investor looking into investment property the benefits which the investment in bricks and mortar afford, should not be underestimated. Although taking risks on the stock exchange may yield higher returns, investment property can provide you with a stable, steady income and a relatively secured level of return on investment. When looked at with a long-term view the investment property is unlikely to ever lose you money. You may have to pick the right time to sell a property but as long as you keep looking at this investment with a long-term view you will be hard pushed to go wrong. Put simply, property is historically stable and if you are prepared to wait it out you can make money on it.
Financial Gain
If you do your homework and consider your investment property as a long term investment the financial gains to be won through investment into property are fairly substantial. In short, one of the most significant benefits with regards to investment property is that as long as you have a bit of free capital you are able to borrow money from the mortgage lenders, in order to buy a property which you can then let out and charge tenants money in order to pay back the mortgage lender. In affect you become a middleman who is set to earn a good return on investment as long as you decide to follow a few basic steps.
Return on Investment.
Studies suggest that, on average, a home doubles in value every seven years and whilst this is not guaranteed as long as you have the property correctly evaluated and you buy in the right area you can feel certain that you are making a good, financially sound investment. This means that if you have a lump sum of money which you are interested in investing then Investment Property is certainly a type of investment worth having a look at.
By : Elizabeth Grant
Elizabeth Grant has been in the finance industry for more than 20 years and writes exclusively for http://www.the-mortgage-broker.ltd.uk specialist mortgage websites. To read more of Elizabeth's articles on Buy to Let Mortgages please visit http://www.buy-to-let-centre.co.uk.
Investment - Can You Do Without It?
It is hard to imagine if anyone is living without money and it is equally hard to imagine if humans are living without investing in someway or the other. In plain language, investment means the act of investing or laying out money or capital in an enterprise with the expectation of profit. But at the same time the term investment also means money that is invested with an expectation of profit.
Investment is closely related with earning money and employing it to earn more by its virtue of its inherent multiplication factor. It is this character of money (read investment) which drives people invest in various asset types in which they are comfortable with. As a general rule, it is not quite natural for the novice investors to pursue high return investment categories as they perceive the high element of associated risk is beyond their control.
The Big Question: Could You Do Without Investment?
The answer is rather simple as everyone from top down has wanted to invest in one asset or the other. The more conventional the asset type is more the investors and thus investment. Let me detail this out for you.
Traditional investments like investment on gold and land have never let down the investors although rate at which they appreciated was below par till recently. But come to think of it; the simplicity of prediction matrix and non volatile nature of their class made them the darlings of one and all.
Current Investment Scenario
The current investment arena is extremely wide and intricately interdependent. The simplest investment by far, the savings account, contributes to the pool which bank draws from, for advancing loans to a variety investors. Thus the return on your investment (savings) is connected to the return the bank expects. Floating rate of interest is one of the manifestations of this interdependence.
Investment Options for You
It is impractical to attempt to list out all investment types. However the following are the representative types which apply to all economies.
1. Investment on stocks and securities
2. Investment in money market instruments
3. Investment in mutual funds
4. Investment in ventures
5. Investment in insurance
Speculative Investment
It is difficult to foretell how and why people make investment decisions. Also it is not true that investors play safe every time. Speculating a higher than usual and short term profit is none too unusual tendency with some. Such an investment type is classified as speculative investment. Although it beats logic, it goes by gut feeling of investors. Many stock investment and real estate speculators have made big time money taking tremendous risk.
By : NamSing Then
NamSing Then is a regular article contributor on many topics. Visit his other websites at http://www.investment-foryou.info/investment-opportunity.html, http://www.investment-foryou.info/sitemap.html and http://www.investment-foryou.info/investment-advisor.html
Investment is closely related with earning money and employing it to earn more by its virtue of its inherent multiplication factor. It is this character of money (read investment) which drives people invest in various asset types in which they are comfortable with. As a general rule, it is not quite natural for the novice investors to pursue high return investment categories as they perceive the high element of associated risk is beyond their control.
The Big Question: Could You Do Without Investment?
The answer is rather simple as everyone from top down has wanted to invest in one asset or the other. The more conventional the asset type is more the investors and thus investment. Let me detail this out for you.
Traditional investments like investment on gold and land have never let down the investors although rate at which they appreciated was below par till recently. But come to think of it; the simplicity of prediction matrix and non volatile nature of their class made them the darlings of one and all.
Current Investment Scenario
The current investment arena is extremely wide and intricately interdependent. The simplest investment by far, the savings account, contributes to the pool which bank draws from, for advancing loans to a variety investors. Thus the return on your investment (savings) is connected to the return the bank expects. Floating rate of interest is one of the manifestations of this interdependence.
Investment Options for You
It is impractical to attempt to list out all investment types. However the following are the representative types which apply to all economies.
1. Investment on stocks and securities
2. Investment in money market instruments
3. Investment in mutual funds
4. Investment in ventures
5. Investment in insurance
Speculative Investment
It is difficult to foretell how and why people make investment decisions. Also it is not true that investors play safe every time. Speculating a higher than usual and short term profit is none too unusual tendency with some. Such an investment type is classified as speculative investment. Although it beats logic, it goes by gut feeling of investors. Many stock investment and real estate speculators have made big time money taking tremendous risk.
By : NamSing Then
NamSing Then is a regular article contributor on many topics. Visit his other websites at http://www.investment-foryou.info/investment-opportunity.html, http://www.investment-foryou.info/sitemap.html and http://www.investment-foryou.info/investment-advisor.html
Subscribe to:
Posts (Atom)
