Unfortunately, most would-be first-time buyers believe the dream of homeownership is just that: a dream. This book has been written to make this dream a reality.
Author: Ned Browne
Things have never been tougher for first-time buyers. The number of people aged 25-34 who own their own home has more than halved since 1996. But aspirations are still high - the vast majority of young people still want to own their own home. Unfortunately, most would-be first-time buyers believe the dream of homeownership is just that: a dream. This book has been written to make this dream a reality. It also aims to steer you clear of the potential pitfalls that come with buying a property - it's a minefield out there. There are countless tales of properties being repossessed, people being stuck in homes they cannot sell, and of homeowners enduring years of negative equity. This book aims to help you avoid making mistakes that can cost you dear.The book includes the following chapters: Part 1 - Financing your first property purchase. Part 2 - Government help for first-time buyers. Part 3 - Finding the right property for you. Part 4 - From offer to completion. Part 5 - Moving into your first property. Appendix - Property: jargon buster. The property market is fast moving - things are changing every week. As such, I have included my email address at the end of the book and encourage readers to ask questions, make suggestions and point out any inaccuracies. Hopefully there won't be too many of the latter! Please note: I have mainly focused on buying a property in England, although I have included information about buying in Wales, Northern Ireland and Scotland (just not in as much detail). However, 90% of the content will be relevant to anyone buying anywhere in the United Kingdom. Enjoy and good luck. Ned Browne
Equally, if you are looking to purely sort out your finances, pick up this guide!
Author: Dawn Heels
Forward thinking and preparation is key when it comes to buying a property. Have you sat down with your finances and thought you just can't buy a property because of debt? Yes you can! Learn how to:-Clear debt fast and efficiently;-Understand what information mortgage providers are looking at;-Improve on your credit score;-Save for a deposit whilst in debt;-Break bad spending habits...and much more.If you are a first time buyer, who is seeking to get themselves out of debt and onto the property ladder, then this guide is for you! Equally, if you are looking to purely sort out your finances, pick up this guide!
22 Property Entrepreneur tenant keeps paying the rent, it is very hard to get them
out. ... In the next section, we will look at some figures and see how impossible it
is for most young people to get onto the property ladder in the traditional way.
Author: Vincent Wong
Publisher: John Wiley & Sons
Category: Business & Economics
"The book not only shows how anyone can start to make money from property, regardless of their financial situation, but also highlights the importance of seeing property as a business--a business that can provide secure assets and passive income"--
It's up there with other momentous life events, such as starting your first job, getting married and having your first child. ... your parents and grandparents and
they'll tell you the sacrifices they had to make to get onto the property ladder —
but it's ...
Author: Phil Spencer
Publisher: Random House
Category: Business & Economics
Phil Spencer, property expert and co-presenter of hit series Location, Location, Location, provides everything you need to know to help you buy (and sell) your first home Want to own your own home, but not sure where to start? Need some friendly advice from a property professional? In How to Buy Your First Home, property expert Phil Spencer takes the worry out of the property market. Breaking everything down into simple and achievable steps, he makes this daunting process easy. Learn how to: - Find your perfect pad - Choose which mortgage is right for you - Negotiate with estate agents and sellers - Organise exchange and completion Including indispensable advice, money-saving tips and an essential trouble-shooting section, this guide covers everything a first-time buyer needs to know. And when it's time to move on again, this book will show you how to sell your home too. Phil Spencer is one the best-known faces on British television, co-presenting the hit Channel 4 series Location, Location, Location and Relocation, Relocation. Phil has written regularly columns in The Sunday Times and Country Life, and is contracted to Archant publishing to write columns that are syndicated in the group's numerous local glossy magazines which are distributed nationwide. Recent TV appearances include on The One Show, Children in Need and The Friday Night Project, and Phil also regularly appears on the radio to discuss property issues.
Author: Great Britain. Parliament. House of Commons. Communities and Local Government CommitteePublish On: 2008-05-21
There are a group of people , there is huge demand from them to get onto the property ladder , they Q502 Mr Olner : Could I ask , probably the first one cannot
quite afford to do it and it ought to be an area on this , Minister . The Homebuy ...
Author: Great Britain. Parliament. House of Commons. Communities and Local Government Committee
... you reach retirement – you may face pressure or demands from your children
to help them onto the property ladder. ... a deposit are making a challenging
request, and as much as you might want to help them get on to the property ladder, ...
Author: Moira O'Neill
Publisher: Bloomsbury Publishing
Category: Business & Economics
There have never been so many different choices available for parents and others wanting to save and invest for the next generation. It is not always easy to know what kind of investments will be best for our children in the long run. In this guide Moira O'Neill helps the reader evaluate all the options and find the right savings and investment plan for their children. The author discusses the reasons to invest for a child, getting your priorities right and finding the money to invest, before exploring the different ways of giving your child financial security. Topics covered include: Savings accounts; Child Trust funds; ISAs for children; National Savings and Investments; Friendly societies; Buying shares for you children; Buying funds for you children; Planning for private school fees; Planning for university fees; Products that help you; and what to teach your kids about money. Written in a lively and down-to-earth style, this guide contains all you need to know to make the most informed decision on how best to secure your children's financial future. The Financial Intelligence series offers down-to-earth, practical guides to personal finance, aimed at anyone who wants to increase their financial IQ. These guides will help readers to feel confident about making the right decisions when it comes to spending, saving and investing their money.
PROPERTY DEVELOPMENT First - time buyers There are three ways for firsttime
buyers to get onto the property ladder without too much difficulty . These are to find the right mortgage for the particular property you have in mind or choose a ...
Author: Sarah Beeny
Category: Real estate business
Whether you're viewing a property, negotiating a mortgage or sourcing materials, Sarah Beeny's "Hot Property Hints and Tips" places all the information you need at your fingertips. With handy checklists and no-nonsense text, this book provides all the information you need to make quick decisions, and maximise your profit from property. From choosing the right development to choosing the right builder, Sarah provides invaluable advice for anyone looking to buy to sell or buy to let, anywhere in the UK.
FREE Ads – List your Rent to Buy Requirements or Rent to Sell Property NOW!
The agreement ... The normal reason that you will enter into a Rent to Buy option
is because you are unable to get onto the property ladder in the traditional way.
This book gives a Layman's terms view on how to purchase a property without the confusing jargon you may find online.
Author: Akin O
This book gives a Layman's terms view on how to purchase a property without the confusing jargon you may find online. It highlights all the important steps you'll need to know before purchasing a property and also the steps you'll encounter whilst going through the process. This book will give you that head start you need to get onto the property ladder and the confidence as a young adult to start your property journey. Enjoy!
Since the scheme, even after Thatcher, almost 2 million people have bought their
own council house. ... of redistributing wealth throughout the nation, helping
people who otherwise would not be able to afford to get onto the property ladder.
Author: Andy K. Hughes
Publisher: Pen and Sword
A must-have guide to the scandalous behavior of politicians around the world. Andy Hughes’s fascinating book guides us through centuries of political abuse—and just plain stupidity. This pocket guide exposes the secret side of politics, including politicians who risked or ruined their own careers for personal gain. Stories include the MP who liked to party hard and be whipped even harder; the prime minister and his hookers; expenses claims for manure; and the US president who called for all gay men to be castrated. Politicians have mixed scandal with eggs, adult movies, helicopters, drugs, shoes, beef burgers, public toilets, mobile phones, rape, turkeys, orgies, and even ice cream. And it’s not just today’s politicians who are embroiled with scandal. This explosive book reveals the questionable behavior of politicians of yesteryear from around the world.
Author: Marianne Bailey-WickhamPublish On: 2014-03
has been gone so long I sometimes find it hard to remember what she was like.
Memories come and go in short flashes like scenes in a film. No-one came to our
... Well enough for me to be able to get onto the property ladder. Pat and I got on
Author: Marianne Bailey-Wickham
Publisher: Author House
The story is told of Laura-Louise. She is just six years old when she and her brother are taken to a foster family. The book tells of her struggles and dreams and nightmares as she grows through adolescence to maturity. It is her search for happiness and love.
Choose wisely , says NALS With newspapers awash almost every week with
stories about escalating house prices and the difficulties of getting onto the housing ladder , one might be forgiven for thinking that the aspiration to home
Author: Liz Hodgkinson
Publisher: Kogan Page Publishers
Category: Rental housing
“an invaluable book . . . the author herself is a landlord and the text speaks from experience.” —the small landlord’s association that this best-selling book is now in its sixth edition proves what a popular choice letting property has become. now that banks and building societies offer buy-to-let schemes, the floodgates have opened to thousands of potential landlords: 12% of all housing stock is now in the private renting sector. this fully revised and expanded edition provides reliable advice on all aspects of becoming a landlord. it advises on the pitfalls and the advantages, as well as how to choose the right type of property and how to calculate the finances. the complete guide to letting property also contains a wealth of new information on: landlord’s associations * buying a long way from home * how to pick a good agent * negotiating with your tenant * taking non-paying tenants to court on-line * lodgers * buying property for children while they are students * adapting basements, lofts and garden rooms to make them suitable for letting interspersed with case studies and tips from experts, this book is a must read for anyone considering letting a property.
Karin bolted awake. Eamonn Doyle! She had been sitting on the sofa of her
Ballsbridge shoebox all night. When Karin was appointed as editor of How'ya,
she had decided to stretch herself and get onto the property ladder. The
Author: Morag Prunty
Publisher: Pan Macmillan
It's time to hang up your handbag and dance around your glitterball. Ex-model Valerie never imagined that her short marriage to leather-clad wildman Jack Valentine would herald the end of her life. Now she's fed up with being propositioned by playboys and longs for a safe, suburban husband who will look after her. Record producer Sinead has an appetite for 'scruffy pop totty'. She knows that they are never, on paper, an ideal solution, but she's never been able to relinquish her natural desires for a safe, settled, middle-aged man in a suit. Magazine editor Karin is the author of 'Ireland's Most Eligible Bachelor' list so, in theory, she should get first dibs at the pickings. Trouble is, she knows they are lean and include a flicky-haired Australian TV presenter and a business man with a penchant for golf-wear and creative combovers. When all three women are challenged for find a man to marry before they all turn forty in the summer, they realise the time has come to hang up their handbags and cut to the chase...
BUYING TO RENT Myth 7 - If I live in rented accommodation I cannot get an
investment mortgage Not true . ... Besides , you have to step onto the property ladder at some point and provided you can satisfy the borrowing criteria for your
Author: Nick Rampley-Sturgeon
Publisher: Pearson Education
Category: Real estate investment
Investing in one or more properties can be a cash generator that can support or even change the way you live. By transferring every pound you save into assets you can provide financial security and freedom for your future.; Every adult at some point has talked to their friends about owning a second property, but most people never get round to buying any house other than the one they live in for lack of time, deposit and knowledge. But a second income from renting a property can have many advantages: it can subsidise your pension; it can subsidise your salary; it is often a safer form of invest.
Relax! This practical guide covers all aspects of buying property, from buying a piece of history to building from scratch to signing on the dotted line.
Author: Karin Derkley
Publisher: John Wiley & Sons
Category: Business & Economics
Created especially for the Australian customer! Learn to: Find the perfect property for you Finance your dream Choose from an established home, brand-new property or a 'fixer-upper' Get your foot on the property ladder! Open the book and find: Strategies for getting your deposit together Pros and cons of buying a period home What's involved with becoming an owner–builder Pitfalls to consider when buying 'off the plan' How to secure a home loan if you're self-employed Tactics to beat the auctioneersat their own game Unearth your dream home and negotiate the mortgage maze Do you search property websites, wondering whether a particular property could be your dream home? Do you feel like you're wasting money on rent but are confused by the world of real estate — and real estate agents? Relax! This practical guide covers all aspects of buying property, from buying a piece of history to building from scratch to signing on the dotted line. Work out whether you're ready to buy — find out whether you're ready for the commitment of buying property, financially and psychologically Focus in on the right property for you — determine your 'must haves' and 'like to haves', and whether you'll need to make a trade-off between these and your preferred location Decide what kind of property you want — discover if your best option is to buy off the plan, find an established property or build yourself Deal with property professionals — cut through real estate agent spin and understand how buyers' agents work Find the right finance — choose the home loan that suits you and your finances Negotiate a great deal — move smoothly through the buying and settlement process, whether buying at auction or through private treaty sale
... ultimate precipice. if we take the record of the British housing market up to
2008, for example, mortgage provision allowed more people than ever before to buy their way onto the 'property ladder'. however, in conditions of constrained
Author: Mark Horsley
Publisher: Ashgate Publishing, Ltd.
Category: Social Science
This book offers a critical analysis of consumer credit markets and the growth of outstanding debt, presenting in-depth interview material to explore the phenomenon of mass indebtedness through the life trajectories of self-identified debtors struggling with the pressures of owing money. A rich and original qualitative study of the close relationship between financial capitalism, consumer aspirations, social exclusion and the proliferation of personal indebtedness, The Dark Side of Prosperity examines questions of social identity, subjectivity and consumer motivation in close connection with the socio-cultural ideals of an ‘enjoyment society’ that binds the value of the lives of individuals to the endless acquisition and disposal of pecuniary resources and lifestyle symbols. Critically engaging with the work of Giddens, Beck and Bauman, this volume draws on the thought of contemporary philosophers including Žižek, Badiou and Rancière to consider the possibility that the expansion of outstanding consumer credit, despite its many consequences, may be integral to the construction of social identity in a radically indeterminate and increasingly divided society. A ground-breaking work of critical social research this book will appeal to scholars of social theory, contemporary philosophy and political and economic sociology, as well as those with interests in consumer credit and cultures of indebtedness.
This new edition of The Complete Guide to Buying and Renting Your First Home, which has been fully revised and updated to reflect the current shape of the housing market, is packed full of useful information.
Author: Niki Chesworth
Category: Home ownership
It is harder than ever to get your foot onto the first rung of the property ladder, and the number of first-time buyers is at its lowest since records began. That is why all those house-hunting for the first time need as much practical advice as they can get. This new edition of The Complete Guide to Buying and Renting Your First Home, which has been fully revised and updated to reflect the current shape of the housing market, is packed full of useful information. Written in a lively, jargon-free style, it guides you through the options - from renting to buying - as well as giving helpful tips on making the leap from renter to homeowner and the alternative ways to buy a home if affordability is a problem. There's up-to-the-minute advice on: your rights as a tenant moving from renting to buying the costs of buying how to afford a first home alternative ways to get on the property ladder house-hunting the new Home Information Packs valuations and surveys mortgages and monthly mortgage costs protecting your property repairs, renovations and home improvements If you are thinking of renting or buying a property for the first time you should arm yourself with this essential guide. It could be the key to your dream home!"
So several properties come onto the market requiring a quick sale from the
speculative investors. As they already have ... Some speculators are lucky and
sell to frustrated owner-occupiers dying to get on the property ladder. Other
Author: Ajay Ahuja
Publisher: How To Books Ltd
It is no longer acceptable for the analysis of the property market to be conducted on a national basis. Investors who go beyond this have been making a 'killing' - there is no other word for it! One such investor, a chartered accountant and property guru named Ajay Ahuja, has devised a model that ALL professional investors should follow. It is this model, the property clock, that has taken him from an initial investment of GBP500 to a portfolio of 100 properties worth over GBP6 million in less than 5 years. The clock has emerged and is here to stay due to: every area within the UK's ability to operate to its own fundamentals; the introduction of the buy-to-let mortgage in the late 90s; the propensity of property prices to be volatile; the stable nature of market rents; the ever-existence of bandwagon-type investors. Ajay will show you: how to define a cold, cooling, warm and hot spot and how to find each of them; why professional investors sell exclusively in cooling spots; why the owner-occupiers and novice investors are the only ones left in the cold spots; how to calculate the bubble element in any property and why you should buy only properties with a negative bubble that burst in your favor; how to calculate the real value of a property under any environment; how to lock in certain growth by doing nothing; how to lock in certain growth by making the right enhancements and how to quantify the size of the gain.
Author: Great Britain: Parliament: House of Commons: ODPM: Housing, Planning, Local Government and the Regions CommitteePublish On: 2006-01-26
We have set out proposals Yvette Cooper : We have looked at this and it is to
help over 100,000 people into different ... Again , I know you cannot speak to get onto the housing ladder , whereas REITs , if I on behalf of the Chancellor , but I ...
Author: Great Britain: Parliament: House of Commons: ODPM: Housing, Planning, Local Government and the Regions Committee
Everything You Need to know About Health, Property, Investment, Leisure, Work,
Pensions and Tax Frances Kay ... working families do not have enough living
space, while older people are 'selfishly' holding on to homes and space they no
longer need. ... Climbing onto the property ladder that year required a mere £
Author: Frances Kay
Publisher: Kogan Page Publishers
Retirement is a time of opportunity. Without the routine demands of working life, new ambitions can be realized and experiences enjoyed. Yet with so much to consider, people are often unsure how best to plan for their future. Furthermore, with rising retirement ages, the closure of many final salary pension schemes, poor annuity rates and uncertainty regarding universal benefits, the scope for concern and confusion is even greater. The Good Retirement Guide is essential reading for all those looking forward to making the most of their retirement, and offers clear and concise suggestions and advice on a broad range of retirement-related subjects, including finance (investments, pensions, annuities, benefits and tax), housing, health, holidays, starting a business and looking after elderly parents.