As they tour the house they envision how….

posted in Mortgage by Admin on January 26th, 2010

As they tour the house they envision how their furniture will look, what colors to paint the walls and which bedroom will be perfect for their future children.

The first bit is to see if you really need to go for a 2nd mortgage.

Mortgage

Are you looking for the Best French Mortgage, there are many to choose from so it is important to talk to an Independent Mortgage Broker

By Matt Frost

 Property ownership in France has been a firm favourite with the British for many years. Driven by strong growth rates and good investment yields for the second home owner and investors alike non-resident ownership in France has being growing especially during the past 10 years. Traditional ferry routes improved by cross channel road and rail links, extensive road networks and the ever expanding budget airline flights into an increased number of French airports has made travelling across the channel more accessible and even cheaper.

This proximity to the UK has made French Property one of the most popular choices for Investment Property Buyers. The French property market is extremely diverse and offers much to the potential Investor in Overseas Property. The South of France is a prime example and the airports of Nice and Marseille offer tremendous access to the French Riviera all year round and are serviced by the budget airlines such as Easyjet and Ryanair.
The good news for buyers of Investment Property in France is that there is an abundance of property all over the South of France; a restored Mas, stylish new builds, a pieds-a terre, family villas or even winter sports apartments. Capital appreciation is good and rental yields are strong. The Cote d’Azur is second only to Paris in price, but you don’t need a fortune to buy. A good rental yield from an investment property can be achieved with the many tourists and the large quantity of conferences throughout the year especially in Cannes, making the South of France an excellent choice for your Overseas Property Investment.
Unlike the UK, a long history of prudent lending in France (lenders do not allow borrower’s total outgoings on finance payments to exceed 1/3 of their total gross monthly income) has meant mortgage finance in France is still readily available and great value. Coupled with an approximate discount of 10% on French property prices compared to a year ago - there is no better time than 2010 to acquire an Investment Property in the South of France.
For second home owners in the South of France and property investors, 2010 is the perfect opportunity to buy into some of the most desirable towns and cities such as Cannes, Nice and Antibes in the South of France. The French banks have not suffered like their UK counterparts, meaning they are more inclined to lend to the Foreign or Non-Resident Property Investor who might not have considered France before. Coupled with some extremely attractive loan rates (2.7% interest only for non-residents plus, the ability to pay down at any time with NO PENALTIES offered by French Mortgage Xpress) France is fast becoming an astute investment for Non-Resident and Foreign Property Investors.
Considerable mortgage product innovation by some leading banks such as Micos Banca and BNP coupled with a diverse range of property available in the South of France that can deliver good solid yields and investment growth is driving the UK property investor to look across the channel. Properties in the South of France remain in the buyers favour, and 2010 could give the Foreign Property Investor a firm foothold within the French property market.
French Mortgage Xpress, an English speaking mortgage broker based near Cannes and Nice in the South of France has helped over 500 International Property Investors and second homeowners secure finance during the past 10 years. French Mortgage Xpress has built it’s reputation on an honest, reliable and speedy service. Their relationship with many of the top French banks is superb giving them the opportunity to deliver a simple, speedy and first class service for all your property finance requirements in France.

Matt Frost, the founder and managing director of French Mortgage Xpress, established the company in 2004 after working within financial services industry in France and realising that there was a demand for an English-speaking brokerage service specialising in loans for non-residents.
French Mortgage Xpress soon became a force in French mortgage market, with a reputation for speedy responses and reliable service in a difficult area of French finance.
French Mortgage Xpress has now processed more than 500 mortgages for non-residents buying in France and has built up a wealth of experience to assist the first-time buyer in France. Similarly, French Mortgage Xpress has a solid reputation with the French Banks, ensuring that all the clients of FMX are guaranteed a first-class service when their loan request is presented to the lending banks
For further information please visit the FMX website or call now on +33(0)4.92.98.80.70

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Can I Get a Mortgage After Bankruptcy?

By Jennifer Quilter

 Yes, you can get a mortgage after bankruptcy, but not right away, and not without some work towards rebuilding your credit.

After you’ve completed filing you are supposed to have a fresh start, but the truth is that you are viewed as a financial risk. Of course, if you take some time to build up a history of using credit appropriately then things will be much easier for you.

There are two types of payments that make up your financial history, revolving (credit cards) and installments (loans). You’ll want to work on building up both of these. I recommend starting with a secured credit card and working on a small loan six months to a year later.

I would make it a goal to build towards getting a mortgage after bankruptcy after about two years. Hopefully, your credit will be at a decent, if not a good level, by this time.

When you go to apply you’ll need to briefly explain what caused you to have financial problems in the past. I recommend trying to keep this explanation down to about two sentences, make sure you adequately explain what happened (medical bills, divorce, etc) but don’t spend too long focusing on this fact.

Instead, focus on what you have done since then rebuilding your credit, and other signs of your stability. For instance, if you’ve been with the same employer for a long period of time, or if you have lived in the same place for a long period of time, this helps establish you as a stable customer. Having a healthy income, with a budget that will be able to afford your monthly payments, will also work for you, and so will having a low debt to income ratio. If you still have some debt you are carrying with you, you’ll want to take care of this before applying-it will help your credit score, as well.

By focusing on the positive, and building up more of it, you will be able to get a mortgage after bankruptcy.

The best way to be prepared is to be informed. Visit my site for more information about getting bankruptcy mortgages and become informed about everything pertaining to getting a after bankruptcy mortgage.

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