The Compare the Financial Markets group is for sale

Includes the brand, our impeccable reputation (since 2010), and the family of domains.
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INVESTMENT RELEASE – TESSERACT INTERACTIVE SERVICE PHASE 3
MAXIMUM INVESTMENT £50K
IMMEDIATE INCOME TAX DEDUCTION FOR 2012-13 OF £25,000


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Risk warnings and important information
None of the content above should be considered to constitute investment advice. Individuals’ objectives and circumstances vary and as such appropriate investments for one may not be appropriate investments for all.
Past Performance is a poor indicator and certainly no guarantee of future performance.
Investments can fall as well as rise, and may fall considerably.
The value of investments is not guaranteed and you may not receive back the full amount invested.
The tax treatment of investments such as these, including the initial tax relief available, are dependent on the investment vehicle successfully maintaining qualifying status throughout its life.
Many tax advantaged investments are high risk investments and we strongly recommend investors do not consider investing on the basis of this information alone or investing without obtaining financial advice from an appropriate source.
Investments in small companies are speculative and the promise of higher potential returns comes with a commensurately higher risk of capital losses.
*Definition of a failed investment is the loss of 50% or more of the original investment.
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Buy To Let Mortgages Work In The UK


Although buy to let mortgages are harder to get now than they used to be before the credit crunch, there are still enough options to get around. Still, lenders now put under scrutiny all requests for such mortgages, and only the most realistic requests are accepted.


These kinds of mortgages are essentially different from other mortgages in that for them the lender considers how much you will earn from the rented property the primary source of income. In addition, some lenders may also take into account your personal income.


In most cases, lenders ask for a prospective rental income that amounts to 125% or more of the monthly interest paid for the loan. To verify this, lenders typically rely on independent sources to carry out the necessary investigations. The interest rate for the loan is often based on the standard variable rate (plus 1% or more) of the lender. Lenders also request that the borrowers put down 30% or more of the intended value of the mortgage they demand.


Basic borrowing tips:

  • Lenders don't usually lend more than £1m for a single property.
  • It's not recommended to request buy to let mortgages while you have an existing mortgage for your own house – this may reduce the value of the highest loan you can get.
  • Lenders set a limit as to how many mortgages you can get.
  • The more you put down (40%+), the better the rate you get.

An advantageous fixed rate deal comes with a high loan fee, such as 2.5% of the amount borrowed. Sometimes, this fee makes a high interest rate deal (which doesn't feature this fee), a better choice.





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