Remember Me
forgot your password?

Mortgage Advice For Modern Man

Mortgage advice, loans, pensions, tax, investments and savings. All a relative minefield for todays average person looking to secure the future for themselves and their offspring. But this is clearly no new predicament.

Honey, Im pregnant - again - for the eigth time! Not the sort of welcome home many men wish to hear these days but imagine going back a few thousand years to that homecoming. Fine dear, let me count the spare camel, sheep, chickens bags of grain, limbs etc. I can swap for a bigger property!

Man has, since the beginning of time, found ways of dealing for profit and gain long before money was invented. From grain, tools and tobacco through to Cowrie shells from the Indian Ocean which were still used until recent times. Even today, within the households of the mind blowingly rich around the world, gold bullion is preferred as a tangible commodity.

The royal palaces and temples of ancient Mesopotamia may well have had no idea just what they were starting when they initially provided secure places for the safe keeping of commodities such as grain. But they did modern day man a huge favour with the Code of Hammurabi - the first official laws regulating banking operations.

Long gone are the days of hauling around shed loads of grain to buy a house with. For the average person in need of protection from loan sharks gold bullion is not a realistic option and neither is hiding your hard earned savings under the mattress. Hence, the fast growing popularisation of electronic banking.

With all our assets tied up in banks and building societies can we always be sure of getting the most from our money? After all, they are all money making organisations out for their own interests ahead of the consumers. This is where mortgage advisors and mortgage brokers come into their own.

Recent years saw a huge upsurge in people wanting to jump on the investment bandwagon of buying to let. Probably fuelled by a trend in TV programmes relating to property renovation and making people feel this get rich quick scheme was accessible to even the most inexperienced developer.

Banks have cashed in on this trend with a push of their mortgages for buy to let schemes. However, according to the Council for Mortgage Lenders, UK house repossessions for 2006 totalled 17,000 - a massive 65% increase on the previous year. So, are individual banks doing whats right for the consumer?

A wise decision for any prospective purchaser or investor is an independent mortgage advisor. Regulated to protect the consumer, they are able to advice on a much broader range of products that can be tailored to the individual. Although still working for a commission (no grain!), they are not obliged to draw customers to one organisation or another.

Mortgage advisors are there to find you the very best deals in mortgages - whether it be investment, endowment, pension or repayment. They can advice on overpayment, underpayment, payment holidays, variable rates, fixed, discounted tracker and capped rates.

All financial concerns can be discussed with your personal mortgage advisor, including the buy to let mortgage, for everyone from the commercial developer to the first time buyer, from self build project managers to those looking to re-mortgage or buy a second home. They can even advice on the raising of finance for house boats, mobile homes or the more unusual property.

Your mortgage advisor will be able to help deal with problems such as CCJ's, bankruptcy and repossessions to get you back on that property ladder as well as imparting his vast financial advice of insurances, pensions, savings taxes and will writing.

So, with that next child on the way, a retirement looming or an unexpected accident or illness there is no need to panic, or round up the wildlife, just get advice from a mortgage broker.

Shaun Parker

Shaun Parker is a leading expert on the mortgage industry offering advice for people looking for a mortgage. He is a leading mortgage advisor.

Rate this Article: 0 / 5 stars - 0 vote(s)
Print Email Re-Publish

Add new Comment



Captcha

  • Latest Mortgage Articles
  • More from Shaun Parker

Choose a best CeMAP training company

By: shijina | 10/11/2009
If you have decided to make your career as a mortgage advisor or agent, you may better get CeMAP training. You can get CeMAP training through some CeMAP training companies.

Advantages Of Applying For Credit Home Refinance Online

By: Alan Lim | 10/11/2009
Do you wish to protect your home from foreclosure? If your for this question is yes, then you can go for bad credit home refinance which is the most reliable approach to satisfy all your financial needs.

Bad Credit Home Mortgage Refinance- How Is It Advantageous

By: Alan Lim | 10/11/2009
For those who are afraid of their home’s foreclosure, bad credit home mortgage refinance has proved to be quite handy in order to consolidate their old debts. Apart from this, there are several other features that make these refinancing options more advantageous.

Do You Have Questions on How to Qualify for FHA Loans?

By: Joyce Brady | 10/11/2009
How does one qualify for FHA loans? This is a perennial question for a lot of mortgaged home owners in the United States today. The surge of foreclosure is rising at alarming rates.

A Loan Modification How to Tip on Avoiding Getting the Cold Shoulder

By: Walter Sigmore | 09/11/2009
Because of the existing Affordable Home Loan program offered by the current administration led by the President, there are a lot of American families which are delighted at the thought of having their home mortgage modified. The whole procedure can get pretty intimidating, especially if you have no previous experience with the same situation. Because of this, there are so many ways you can get help in order to have the process simplified.

Mortgage Modification To Avoid Foreclosure?

By: Ginger Taylor | 09/11/2009
Anyone facing the potentiality of foreclosure should do their own due diligence and proactively find ways to save their home

PreventForeclosure - Are You Facing Foreclosure?

By: Ginger Taylor | 09/11/2009
Fortunately, there are a few different ways to actually stopstop foreclosure from occurring.

Mortgage Protection Insurance For The Unpredictable Future

By: Tom Lustina | 09/11/2009
Today’s Uncertain Economy Requires Mortgage Protection Insurance.

Health And Safety Training In Schools

By: Shaun Parker | 13/10/2008 | Finance
A look at some of the ridiculous compensation claims that have cropped by from children in schools having genuine accidents.

Kills All Known Germs - Dead

By: Shaun Parker | 12/10/2008 | Health
Cleaning fluids are not noly harmful to our health but also to the environment. This article looks at a cheaper,more effective solution to our cleaning needs that will kill germs and remove grease and dirt effectively.

Please Take A Seat, Sir

By: Shaun Parker | 12/10/2008 | Health
A look at the importance of getting the right office furniture to avoid staff health issues later on and possible compensation claims.

A Breakthrough In Wet Suit Design

By: Shaun Parker | 11/10/2008 | Sports & Fitness
A look at how difficult it can be for a surfer to negotiate a wet suit and how new design ideas are coming on the market to make it easier.

Senior Dating For Those With Baggage

By: Shaun Parker | 11/10/2008 | Dating
A look at why older people are turning to the internet in greater numbers to find themselves a partner. Senior dating is becoming big business where people simply want to find themselves a companion to enjoy their future with.

Pill Popping For A Longer Life

By: Shaun Parker | 10/10/2008 | Health
A look at the potential for everyday painkillers to help in many areas of our health if taken in low doses on a daily basis.

How The Economic Down Turn Is Affecting New Car Sales

By: Shaun Parker | 09/10/2008 | Finance
A look at the way the current financial situation is begniing to affecting manufacturing, particularly the motor industry.

Submit Your Articles Free: Signup
Article Categories




Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2008 Free Articles by ArticlesBase.com, All rights reserved. (9.61, 6, w1)