Enhanced Wealth News

What Is A Buy To Let Mortgage?
If you are keen to become a property investor, sooner or later you will be looking at obtaining a buy to let mortgage. In this case, you will need to find out as much as possible about this type of loan. First of all, what is a buy to let mortgage? A buy to let mortgage (sometimes [...]

Buy to Let Mortgage Broker
During the past ten years the property market has seen a huge growth in the number of people entering the buy to let sector.  The art of buying to let is simply purchasing a house, then if needed renovating the house to make it as appealing to a wider market as possible.  This property will [...]

Pension Transfer Advice - Why Do I Need It?
There are three main reasons why you might need pension transfer advice. 1. You are in a final salary or defined benefit pension scheme at work, and your employer wants you to move to a defined contribution scheme, or some other pension arrangement.  In some cases employers might offer incentives to you to switch.  If you have [...]

Stamp duty abolished below £175,000
Residential property purchases of less than £175,000 will be exempt from stamp duty for the next 12 months. A Treasury statement said: “The Chancellor of the Exchequer has today announced that stamp duty land tax will not apply to purchases of residential property of £175,000 or less. “This will provide an exemption from stamp duty land tax [...]

Bridging Loans
A bridging loan is usually used to cover a short term cash requirement.  Commonly bridging loans are repaid in between six and twelve months, although the option of a timescale greater than twelve months is available.  In simple terms a bridging loan is like a short term mortgage, for example it can be used to [...]

Payment protection insurance complaints still too high
New figures published by the Financial Ombudsman Service (FOS) shows that payment protection insurance accounted for almost 40% of insurance related complaints in the first quarter of 2008. The majority of those payment protection insurance complaints were related to sales made by banks and lenders. An FOS spokesperson said “We are still seeing too many payment protection insurance [...]

Mortgage Payment Protection Insurance
Mortgage repayment protection insurance is also know as MPPI and is a form of protection for your mortgage repayments costs in the event of the borrower becoming unemployed or incapacitated.  Taking out a mortgage is a big financial long term commitment.  If you are in full time employment, most of the time the mortgage repayments [...]

Short term Bridging Loans - The Solution To Your Problem
Every problem has a solution, they say, and short term bridging loans are the solution to quite a lot of problems.  Most of these relate to occasions when you need money in a hurry and there?s nowhere else you can get it from. So what are the problems you might face, that short term bridging loans [...]

Pension Advice - Most Of Us Are Going To Need It
Everything to do with pensions is complicated ? and it all seems to be getting more so, despite pensions supposedly having been simplified in 2006.  Whatever kind of pension decision you need to make, it will really pay you to take pension advice. So what kind of decisions might you need pension advice about?  Some examples [...]

Buy To Let Loans - Look Before You Leap!
Buy to let loans are loans secured on properties that are being purchased for investment purposes, as opposed to residential. Before looking for buy to let loans, there are a number of things potential investors need to be aware of. 1. When deciding how much to lend you, the provider of a buy to let loan [...]

Articles by seanh

A Guide To Mortgage Payment Protection Insurance (mppi)
It has become commonplace for the average homeowner to be obsessed with the value of their property, but the habit often leads to a false sense of security. Unfortunately, continued ownership in most cases depends on the ability to carry on meeting monthly mortgage payments, which in turn depends...

Combi Boilers or Combination Boilers - An Introduction
The combi boiler, unlike the traditional boiler, takes its cold water supply directly from the mains water supply producing hot water on demand. Therefore, this type of boiler does not require a hot water cylinder in the airing cupboard or a cold water cistern and small header tank in the loft....

Self Cert Mortgage Facts
Self Cert Mortgages Proof of income is often one of the first things a lender will ask for when it decides whether to grant you a mortgage. But if payslips are hard to come by, there is another option. Laura Milne explains For growing numbers of workers, whose incomes do not come in neat monthly...

What makes a good mortgage broker?
So you need a mortgage but where is the best place to go? Going direct to a lender will only allow you to find out about that lenders range of mortgages, which may not be the best for you. If you go to an Independent Mortgage Broker then they will be able to search through many thousands of...

Articles Written by Sean Horton From Isnare.com

What is Involved in Taking Out a Commercial Mortgage?
Commercial mortgages are as the name suggests, mortgages for the commercial sector. They are a form of long-term finance and can be used for the purchase of land and/or property for business use plus to buy a going concern. This could be anything from a hotel to a bed and breakfast, a retail outle...

What Is Involved And How To Ensure You Have The Best Commercial Finance Possible
In any occupation, when important decisions have to be made, there is no substitute for thorough research and expertise. This is regularly the case when looking for the best commercial finance available. You could undertake this task yourself; however, you might find that employing the services of...

Would Bridging Finance Suit Your Purpose?
Generally, when people hear the term bridging finance, they normally think of a bridging loan sometimes used during home buying. In reality, it is not just for the purchase of homes. It could be used for a variety of purposes whenever funds are required quickly. For example, coping with an unexpe...

Could Bridging Loans Be The Answer To Your Cash Flow Problems?
Obtaining bridging loans is normally the result of needing to raise finance quickly and over a short period. Most people associate bridging loans with house buying. When either a homebuyer has found their ideal home but have not sold their existing property and rather than lose their dream home, tak...

Choosing From the World of Commercial Loans
Any type of loan that is granted to someone in the business sector is collectively known as commercial loans. It could be a mortgage, a bridging loan, part of a finance deal for property development, or even an overdraft facility. Invariably, the type of loan has the prefix ‘commercial’ in its nam...

Using the Service Provided by Commercial Mortgage Brokers Could Make Obtaining Finances Easier For Your Business
Seeking a commercial mortgage can be time consuming and difficult. It can be quite a responsibility making sure that you have acquired the most suitable deal and achieved the best terms possible for your business. Surely, anything, or anyone, that can make this task easier does have to be worth in...

What is Involved When Seeking Commercial Mortgages UK?
You may be looking at buying a building or land for business purposes. A number of lenders in the UK could provide you with an excellent deal for such a venture. The problem faced by most people is finding that perfect deal. Employing the services of an independent financial adviser, with their c...

Obtaining Property Development Finance
Whether undertaking a small-scale refurbishment or building a new multi-million pound complex, if the developer does not have all the money to fund the project, then the balance required could be obtained through one or more lenders. Traditionally, high street banks were used but invariably would o...

What Are Semi Commercial Mortgages and Are They Right For You?
Have you always fancied being able to live and work from the same property? Perhaps using part of your home as a guesthouse or providing bed and breakfast? Maybe you would like to open a shop or tearooms, operate a kennel or cattery business or have a business office attached to your home? If you...

Where do I Get Pension Transfer Advice?
We tend to live in a world where yesterday’s brilliant deal becomes rapidly overtaken by today’s even better bargain. With a long term investment, such as a pension scheme, where savings are designed to see us throughout our retirement, there are likely to be many occasions when we wonder whether a...