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No transfer fees

Being a landlord may be a very sound investment especially with rising property values - yet property investment can be risky and lenders will give you a loan for a bad scheme.

The wise Buy To Let investor, before buying property or getting mortgages on any Buy To Let idea, gets expert financial advice - often using a good property investment calculator and often low cost.The two main property investment choices.There are two main choices in property investment, buy a house to let when the maximum UK mortgage will be at most 85% of valuation, or let your own house and buy yourself a new house when you may get 100%. But certainly, before you buy a property to let or decide to rent your own house and buy a replacement for yourself in England, you should get an expert estimate of your likely profit or likely loss, and also get an estimate of how big a rent and mortgage loan you should be able to get ! Even if your Buy to Let idea is at an early stage, with no actual property in mind yet, you should be able to get good advice on your approximate estimated ballpark figures.Buy To Let Mortgages.Before you make an offer or bid for a property, you may want to apply for a mortgage - lenders will often not need to know what property you want to buy but may want to know what rent you hope to get. For your Buy To Let property purchase a 10% cheque will normally do for a deposit, but you will get at most an 85% mortgage so you will usually need another 5% at completion. However, you may find some sellers prepared to cover that 5%. If you want speed, you can get a surveyor to go with you when you view a property - but if you need a mortgage then the lender may want their own survey done after also. But be warned that many selling good Buy To Let mortgages will give you dangerously poor advice on the wisdom of your property purchase - for that you really need independent advice !Letting property that you already own.If you are thinking of renting out property that no transfer fees you already own, or if you are now letting property, then it may be wise to get an expert report on how good a financial property transfer no fees investment it is. You are investing transfer no fees the value of your no transfer fees property, and you should be sure that it is making reasonable profit. Your current property value estimates, and current mortgage loan amounts will allow an expert appraisal including rent level advice and taxation advice.Do be the wise investor.If you are wise then do not consider buying property to rent out, until you get an expert estimate of your likely profit, or likely loss, and expert advice !Major UK lenders like the big banks have said that they think all investors thinking of buying property to rent, should get an expert financial appraisal before seeking a Buy to Let investment mortgage - as does the Council of Mortgage Lenders guide "Buying to Let". Many lenders will not calculate your Buy to Let mortgage on your income, property price or value, but on your expected rent as do good mortgage calculators. Some lenders may use your income, or part rent and part income, but lenders can give you a Buy to Let mortgage on a project likely to make a loss and which you cannot afford, and letting agencies can land you with a rent level that is too high or too low, so you do really need expert investment advice first - and with luck that need cost little !2

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Managing your money is a big task. But if you want to get by in this world, itís something you have to do. It can be too painful for some, so it gets avoided. But for the people who realize it, the pain/reward relationship is well worth the trouble to spend a few minutes managing your money.

After all, money makes the world go Ďround, so make sure you get your share! And the good news is: itís as easy as controlling what youíve got!

Hereís what you need to make sure that you have control over your financial situation. Here are some valuable budgeting techniques to guide you in your expenses and income.

The first thing you want to do is make sure that you pay for your utilities on time and in full every month. Donít wait until itís too late to pay them. The second thing you need to do is make sure that you donít have too many credit cards. Only a few credit cards are necessary to get by in life. You should consider cutting up the rest of them. And the third thing you should do you, if your bills have gotten the best of you, is to consolidate them into a single loan. This will enable you to pay them off over time without getting slammed with high interest rates.

Finally, establish a budget for yourself. This seems difficult and thatís why most people donít do it. And because people donít have a budget they find themselves in financial straits.

The easiest way to establish a budget is to take a draw a line down the middle of a piece of paper. On the left, write down your after tax household income. Be sure to write down the after tax amount as you want to measure available income only. After all, you donít get to spend the before tax amount, right?

In the right column, list an average of each monthly bill. But you should also include your typical spending habits as well, like eating out, or impulse shopping. Donít forget to include paying off your credit card as part of the bills!

Now that you have a list of income and expenses, see if thereís a way to increase your income, or reduce your expenses. Usually youíll find a way to do a little to both.

While it seems so simplistic, so few people do it. And yet, creating a budget and sticking to it often separates the successful people from everyone else. Whatís stopping you from doing it right now?

Many successful marketers began their careers as children setting up a lemonade stand or selling newspapers. Years of experience and exposure to more mature and intricate marketing techniques change a lot of things, but there is one aspect that is no different between selling glasses of lemonade and Internet marketing... customers have the power to decide whether or not to buy your product.

Yeah, the products and marketing methods are changing constantly, but the driving force that motivates sales remains unchanged... so do the 4 things that steal sales right out from under your nose.

1. The ďI donít need itĒ attitude.

Letís face it... need has little to do with what people buy or donít buy in the American culture. Want has everything to do with whether they do or donít buy. The most crucial aspect of getting a high number of sales is targeting the right market. It does little good to advertise to people who really arenít interested.

What are you advertising? Where are you advertising? These two questions go hand in hand. If youíre trying to sell hunting gear, it would make little sense to target mothers with small children. Sure a FEW of them hunt, but your return for the cost of advertising is going to be pretty low. Pay attention to what your target audience reads, and invest your advertising bucks wisely.

2. The "I canít afford it" attitude.

In a few rare cases, that may be true, but usually ďI canít afford itĒ can be interpreted as, Itís not high on my list of priorities.Ē We can usually find the money for the things we really want.

Go ahead and MAKE your product or service a priority. Dramatize the benefits theyíll experience, sweeten the deal until itís irresistible, and put a deadline on it. Make it ďtoo good to pass up!Ē

3. The "Iím in no hurry" attitude.

Procrastination is criminal in the marketing world. Yeah, procrastination steals money right out of our pockets! The customer comes... he sees... he wants... but when he puts it off, he never does get around to buying!

What happens in the short time after he walks out without the purchase? Time quietly fades the emotions that were driving the sale, and the desire to shell out the dinero for your product soon fades away entirely.

Donít let them leave without making the purchase. Now you canít put a gun to their head and force them to buy, but you can make a deadline on the special. A ďtake it or leave itĒ offer just might inspire the procrastinator to act now.

4. The "I donít trust you" attitude.

Buying is risky business, and most people fear making a foolish investment more than they fear never getting the product. You can allay those fears simply by implementing a few tactics that evoke trust and confidence for the buyer.

Offer an unconditional money back guarantee. Youíll effectively eliminated the risk factor that holds many consumers back.

Use testimonials to let prospective customers know that you do deliver, and a satisfied customer can say it way better than you ever could.

Be open to communication. Hey, when they know someone is willing to answer any question they have, the uncertainty evaporates.

Donít let these four thieves steal any more of your profits. Deal with them effectively... get them out of the way!

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