Mortgages For Dummies (Kindle Edition)

Amazon.com Review
For many of us, the single biggest financial transaction is buying a house. Even more significant than the hefty down payment we fork over is the 15- to 30-year mortgage that needs feeding every month. If you have this much at stake, a little knowledge can go a long way, which is where Eric Tyson and Ray Brown come in. In Mortgages for Dummies, Tyson and Brown (who also wrote Home Buying for Dummies and House Selling for Dummies) provide a comprehensive (more…)

Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan (Paperback)

From Publishers Weekly
Reed, an experienced loan officer and columnist for Realty Times, offers an easy-to-digest look at the world of mortgages. With definitions of the various types of loans, explanations of credit scores and a discussion of how the Internet has changed the real estate business, the book is a handy reference for anyone involved in real estate transactions-though best for beginners who want a map to navigate their way through the complexities of mortgages. The book (more…)

Mortgages For Dummies, 3rd Edition (Paperback)

Amazon.com Review
For many of us, the single biggest financial transaction is buying a house. Even more significant than the hefty down payment we fork over is the 15- to 30-year mortgage that needs feeding every month. If you have this much at stake, a little knowledge can go a long way, which is where Eric Tyson and Ray Brown come in. In Mortgages for Dummies, Tyson and Brown (who also wrote Home Buying for Dummies and House Selling for Dummies) provide a comprehensive (more…)

High-End Rented Properties Still Popular in Edinburgh

High-end rented properties are still proving popular with tenants in Edinburgh, according to the city’s leading letting agent.

Braemore Property Management has seen demand remain steady for properties such as family homes and luxury penthouses in recent months, with renters still happy to pay high prices for good, large homes in desirable locations.

The firm, which manages 850 properties worth more than £250 million in the city, has said that it has been surprised at the resilience of the high-end of the rental market in Edinburgh.

Colette Murphy, director at Braemore Property Management, said: “We’ve had a steady amount of interest in properties that are at the higher end of the rental scale over the past few months.

“While the rest of the market has been affected by an oversupply of properties – which has provided more choice for tenants and pushed some rents down – the high end of the market has remained fairly resilient. Many people are still looking for bigger rented properties to live in and are willing to pay good money for them.

“There’s still a high demand for larger properties, whether it’s from people who are currently between homes or who have relocated to Edinburgh. A few years ago, these people would have been looking to buy a property rather than rent one but now, because of the economic climate and the poor state of the property market, that’s no longer the case.

“In the cases where people are relocating to Edinburgh, it is often the case that they still have another home elsewhere that they haven’t been able to sell yet. In these instances, they want to rent a home in Edinburgh while they wait to sell their old property – as they do not want the burden of having two mortgages.

“As there is still a limited choice of properties at the high-end of the rental market, they are happy to pay a good price for a well-maintained family home or larger penthouse in a desirable part of the city. We’re currently getting a lot of interest in the high-end properties on our books and this has not shown any signs of slowing down over the past few months.”

Have you got life insurance or ill-health insurance?

If so, you have taken an important step in ensuring yours and your dependant’s financial security and long term property strategy, however are your plans set up in the best way?

Do you know for sure that your plans will deliver……

·         The right amount of money?

·         To the right person?

·         At the right time?

Is it a matter of trust??

If your plans are not set up in ‘Trust’ they may not deliver in the way you wanted!

A Trust can help ensure that the amount of cover you have put in place will not be diminished with inheritance tax charges, it can ensure the money is paid to exactly who you intended to benefit and it can also ensure it is paid almost immediately. Even with a will in place there can be considerable delays of many months before a claim can be paid out to your beneficiaries, without a will it’s not unknown to take years! This can be avoided by placing the plan in trust.

To review your existing protection plans, for help with trusts and for a free evaluation on the effectiveness of your existing protection planning click here and an adviser will contact you

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