Is Property Investment Becoming a Rich Person’s Game?

Is Property Investment Becoming a Rich Person’s Game?

Mortgage lenders have been quietly and arguably making it more challenging for the average landlord, as they continue to impose tougher checks and criterion on buy-to-let mortgages.  Leading to the question, is property investment becoming a rich person’s game? Barclays Bank have followed the lead of building society and second-largest lender in the UK, Nationwide and tightened their mortgage lending criteria, meaning that the minimal rental cover which is now required has increased from 135%…

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0% Deposit Mortgages are back! But what’s the catch?

0% Deposit Mortgages are back! But what’s the catch?

After the banking crisis of recent years the idea of a 5% deposit at one stage looked unlikely to return to the mortgage market, but this week Barclays announced the return of the 0% deposit mortgage for home buyers.  Sounded great as a headline, but there’s a catch! The 0% deposit is available when using the, “family springboard” mortgage, meaning that no deposit is required when a “helper”, most likely the home buyer’s parents, put…

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Make Money with Affiliate Programs

Make Money with Affiliate Programs

To make money with affiliate programs and create additional revenue streams whether you are officially in business or not, can be a great way to earn residual income, and one of the simply ways to achieve this if you have a website, webpage or social media page is to join relevant affiliate programs. As long as people visit your website, blog or social media, this method for attracting income can be particularly effective. Not only…

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How to prepare for the Property Ladder

How to prepare for the Property Ladder

By 2025 one fifth of the West Midlands could be renting from private landlords, according to the analysis by financial services firm PWC. Previous research suggests that in the year2000 only 7% of people were renting from private landlords and 70% owned their own home in the region, but continuing trends and patterns for home ownership suggests that in less than a decade, home ownership will drop by 8% and renting rise by 12% to…

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Protect Your Pennies! Mind Your Millions!

Protect Your Pennies! Mind Your Millions!

A guide on how to best protect yourself this Christmas and into 2016 With Christmas just around the corner this is not just the season to be jolly, but to be aware and alert. Millions of shoppers rushing around strapped with cash with purchases on their mind is a fraudsters dream. But it could soon become your nightmare when that January statement acts as the worst gift you will ever receive through the post. Here…

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SMEs: Reduce Barriers to being Paid

SMEs: Reduce Barriers to being Paid

Evaluate the best ways to take Money and Payment; whether it’s simple Cash, Card Payments, or through Factoring. Taking money is fundamental to running a business.  You go through the hard work of establishing the business, marketing to get customers through the door and then once you’ve secure the sale, you then find that you cannot accept their proposed method of payment.  As a small business, I like to support other small businesses and I…

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