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Mortgages For First Time Buyers – Warwickshire Offers Plenty Of Choice For First-Time Buyers

Mortgages for first time home buyers – - how to obtain a mortgage – important points you need to know.
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Warwickshire Offers Plenty Of Choice For First-Time Buyers

Article by Keith Osborne

Situated in the West Midlands, Warwickshire has no cities of its own but its largest towns include Nuneaton, Rugby and Leamington Spa – while it’s also easy to reach the cities of Birmingham, Leicester and Coventry in neighbouring counties. It’s a popular area for those hoping to secure their first property.

First-time buyers looking for a new home in Nuneaton, Warwickshire’s largest town, will find around 125 new homes at Nuns Retreat, a development from Bloor Homes, situated within walking distance of the town centre. Priced from £135,950 to £259,950, the site includes one- and two-bedroom apartments and three- to five-bedroom homes. There are also a number of offers available at this development to help first-time buyers. BloorMoneyWatch doubles your deposit to help you secure your new home, while the BloorHomeStart 2 shared equity scheme lets you pay a percentage of the property price before you move in, and pay the remaining percentage of the current value within ten years or when you decide to sell (whichever is sooner). The town of Nuneaton has a good range of shops and is well-situated for commuters – offering easy access to the M6, M42, M69 and the main A5. It’s close to several cities, too: Birmingham is about 25 miles west, Leicester 21 miles east, and Coventry 10 miles south.

On the edge of Nuneaton, and offering easy commuting to Coventry, Atherstone and Hinkley, Redrow’s Eliot’s View development is another good option for first-time buyers in Warwickshire. Made up of two-, three- and four-bedroom homes from its New Heritage Collection, these homes combine traditional architecture and craftsmanship with designs for modern living. Costing £99,995 to £229,995, properties can be bought under the Government’s FirstBuy scheme, whereby Redrow and the Government give you a 20% equity loan (interest free for five years) which means you only need to save a four per cent deposit and secure a 76% mortgage – yet still own 100% of your new home.

Just outside Rugby, another of Warwickshire’s main towns, Orbit Homes has a range of affordable two- and three-bedroom homes at The Paddocks in the quiet village of Long Lawford. Priced from £51,400, these are available under the Government’s HomeBuy Shared Ownership scheme, which allows you to buy a share in a new home and pay subsidised rent on the remaining part you don’t own. Later, you can choose to buy extra shares in your home if you wish – until you own it in full. Long Lawford has a good range of local facilities including a primary school, a general store, pubs and a post office, while a wider range of amenities is available in the historic market town of Rugby (one mile), or the cities of Coventry (15 miles), Leicester (23 miles), or Birmingham (35 miles).

And, now available from Orbit Homes, Church View also offers affordable new homes in Warwickshire, available from £66,000 under the HomeBuy Shared Ownership Scheme. Located in the historic town of Shipston-on-Stour, perched on the northern edge of the beautiful Cotswolds, this development is only about 30 miles from Cheltenham and 28 miles from Coventry, yet is surrounded by rolling countryside.

http://www.whathouse.co.uk is the web portal for new homes and new affordable homes in Britain, the online face of What House?, which has promoted the best of new homes in Britain for over 100 years. Our site features hundreds of new-build homes in the UK as well as news, articles, expert advice, opinion and comment.










Mortgages For First Time Buyers

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Wednesday, February 8th, 2012 mortgage No Comments

Best Buy Mortgages For First Time Buyers – Understanding First Time Buyer Mortgages

Understanding First Time Buyer Mortgages

A lot has been written recently about how the current property market is making it difficult for first time buyers to get on the property ladder. Although this is true, there is no shortage of people looking to take their first step into home ownership. If you fall into this category, there is a lot of consider. So much in fact, it pays to invest in first time buyer mortgage advice.

Depending on what mortgage you get, first time buyer mortgage rates can vary and will be based on many different factors. A qualified mortgage adviser who specialises in first time buyer mortgage advice will show you a range of products which suit your situation perfectly.

There are a range of first time buyer mortgages which include:

Graduate and first time buyer mortgage: If you have a degree or a professional career, you could be offered a higher lending amount through a graduate mortgage deal.

Graduate first time buyer mortgages can vary so make sure you seek advice before deciding on this option.

Rent to Buy first time buyer mortgage: These mortgages look at the amount you’ve been paying for rent and use this as a yardstick for how much you could afford to pay back with a mortgage. This is particularly appealing to those who have been renting for a long time and wish to make the step into home ownership.

Joint first time buyer mortgage: It is not uncommon for people to buy a home with a friend or family member.  If you want to share the cost of a mortgage you can with joint first time buyer mortgages.

Whatever your specific situation, make sure you get the best first time buyer mortgage rates by taking advice from a qualified mortgage broker.

They will be able to assess your situation and offer first time buyer mortgage advice on all of the specialist mortgages on the market.

Make sure they are a whole of market independent mortgage adviser so that they source deals from the whole market – improving your chances of finding a mortgage which is a perfect fit.

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.

Bower Mortgage Company: FSA regulated UK-wide mortgage advice from friendly, qualified, experienced mortgage planning specialists. 

Barry Smart is a qualified Mortgage and Protection Consultant working for Bower Mortgage Company: FSA regulated UK-wide friendly, experienced mortgage planning specialists. Quality, face to face advice and a strong focus on building long term customer relationships is guaranteed. For money saving mortgage and mortgage protection advice, contact Bower on 0800 411 8668; e-mail info@bowermortgagecompany.co.uk or visit http://www.bowermortgagecompany.co.uk/

Best Buy Mortgages For First Time Buyers

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Saturday, January 28th, 2012 mortgage No Comments

Mortgage Free For Life Software – Mortgage Free? Not in This Life Time!

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Mortgage Free? Not in This Life Time!

I had a conversation with my neighbor recently. And if I could paint you a picture for a minute, it’s really funny.

As usual, when people talk to me they usually talk about how to get mortgage free, because that’s what I’m famous for teaching people. But that’s not what was funny, it’s the picture I’m about to paint you.

Can you picture a cartoon or classic old movie where two neighbors are leaning on the fence between two paddocks, chewing on some dry grass, watching the cows doing the same while they discuss important world issues? Well, that is exactly what we were doing! Talk about funny! But I digress.

The location of the conversation wasn’t the point of this article, rather the content of the conversation.

My neighbor made a comment during this conversation that opened up eyes to the main reason why most people never, ever get to be mortgage free. Here’s what he said: ”Well, you may as well always have a mortgage while you are working.”

I just grunted, chewed a bit more on my grass while I thought about the severity of what he had just said. And I don’t make this next comment as a judgment, but an observation that I hope and pray speaks loudly into your psyche. ”How stupid is the notion that you should never enjoy being mortgage free?”

My neighbor has completely missed an opportunity to take further advantage of the best years of his life. As a household with two incomes and no dependants he has the opportunity to make some real progress in investing into his future and the future of the generations that follow him. But he’s not going to because he is paying interest to the bank to satisfy his short term desires.

There’s a power of life changing principles we can unpack from that statement. Here are just three that I thought of:

Satisfying your short term desires will cost you more than you realize.
Paying interest to the bank limits your ability to serve your long term ambitions.
Failure to look beyond your current thinking means you rob yourself of a more fulfilling future.

Please hear me when I say that I do not write these thoughts to judge anyone, for I do not have that right. But I write these thoughts firmly with the intention to challenge you on a mindset I find all too common with people who are not mortgage free.

If you still have a mortgage I have a question for you:

Do you believe that you will always have a mortgage?

If you answered this question in the positive then I urge you to begin the process of changing your mindset. 

I bought my first house at age 24.

 But I never, ever considered the possibility of having a mortgage for the rest of my working life.  I focused on how I could get mortgage free as soon as possible and I discovered five strategies that worked, so I  used all five to smash my mortgage.  I’m privileged to say that I had my house paid off by age 30, it took me less than 6 years.

You can start by telling yourself a different message, try speaking different thoughts into your subconscious to re-program your brain.  Speak to yourself about how you can and will pay your mortgage off faster.  Before you write me off as crazy, think about what I am saying.  Isn’t it true that what you focus on you achieve?  Isn’t it true that what you think about you attract?

To encourage you I’ll share a brief comment that comes from an email I received today:

“Allan and have listened to most of it – it’s good because it reminded me of what we haven’t done since we went to one of your seminars when we were living in Hamilton. The main thing we are working on is ‘Getting control of our finances’ – even through we’ve done reasonably well with some of the other steps and are pretty careful with spending, we’ve never really known what our in- and out- goings are. So, that’s our current mission. We’ve set aside a morning each week to get organized and get on top of paperwork.”

Did you hear what this emailer said? She said that they had set aside a morning each week to get organized.  That doesn’t sound too painful does it?  Surely you can find the time to do the same.

And when you do, you will create a mindset and a plan so that you can be mortgage free in this lifetime – this is not an unrealistic expectation and is one I encourage you to chase after.

You can be mortgage free. You deserve to be mortgage free. Help yourself.

If you want to discover the secrets why many families are on track for a 40 or 50 year mortgage, then have a listen to what Phil has to say. Don’t pay more to the bank than necessary, and don’t be like his neighbor and assume you always have to have a mortgage. Aim to be mortgage free as fast as you can!

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Thursday, January 26th, 2012 mortgage No Comments

Right To Buy Mortgages Scotland – Good time to invest in UK property?

Good time to invest in UK property?
Article by Andy King

target = “_new” href = “http://www.scottishhousemove.com”> Scotland Property Online offers a great service online estate agency, especially if you are looking for Glasgow Estate Agents


Right to buy Mortgages

Scotland

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European civilization, 1648 – 1945 (HIST 202) The nineteenth century in Europe is in many ways, synonymous with the rise of the bourgeoisie. It is misleading, however, consider this new dominant middle class as a homogeneous group, but rather of the century, perhaps more accurately described in terms of the rising middle classes in the plural. While the classes that make up this group were united by their quest for power based on property rights rather than hereditary privilege, they were also surprisingly varied. Contemporary stereotypes of the bourgeoisie as philistine should take to be qualified. With the real, undeniable cruelty of many capitalists towards their workers, the middle class has also launched the first philanthropic, expanded the scope of public education, and inspired the development of effective contraception . 00:00 – Chapter 1. The nineteenth century, the century bourgeois 6:04 – Chapter 2. The 10: 57 Middle Class Work Ethic – Chapter 3. Voluntary organizations of the Middle Classes: 15:49 charity and religion – Chapter 4. Demographics of 20: Middle Class 39 – Chapter 5. Variations in the bourgeoisie of Financial teachers 35:18 – Chapter 6. The houses of the bourgeoisie: Common cultural accoutrements complete course materials are available in Yale Open website: open.yale.edu This course was recorded in autumn 2008.

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Sunday, January 15th, 2012 mortgage No Comments

Best Buy Mortgages For First Time Buyers – Insight information for first time buyer in Ulster County Real Estate

Insight information for first time buyer in Ulster County Real Estate

Article by Manisha Patel

Written by the team at Quick Fire Internet, Ulster County Real Estate experts. Visit TaftStreetRealty.com for the best online guide to Hudson Valley Real Estate, and Ulster County MLS listings.










Best Buy Mortgages For First Time Buyers

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Thursday, January 5th, 2012 mortgage No Comments
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