Mortgage after IVA - Can you get a mortgage after an IVA settlment?

www.remortgageyourhome.co.uk Can you get a mortgage after an IVA settlement? The simple answer is Yes Getting a mortgage agreement after an IVA settlement might be much easier than you think. It will be much harder to get your usual high street lenders consider you for a remortgage but not completely of the question, however your success of getting a much a mortgage is more likely to be offered by a subprime lender. Subprime lenders, sometimes referred to as near-prime, subpar, non-prime, and second-chance lenders. Subprime lenders are specialists who lend to those who have had financial difficulty in the past with a poor credit history, in other words extending credit those who would otherwise not be able access any finance. How much the lenders will loan to you will depend very much on your individual circumstances and a number of important factors. Such as how much can you afford each month, this will be calculated on your monthly income which must be at least 4 times your total income. How much deposit you have saved, this amount will be dependent on when you started your IVA. The longer you started your IVA the less the deposit to put down. So for example if you started your IVA 6 years ago you would only be required to save up to 5-10% of your loan (similar to high street lenders), if however you IVA agreement only started around 3 years ago you would need to put down at a least 25% this would be the case even if you had paid off the debt in full as the lenders will count from when the IVA agreement started and not when it came to an end. The amount of deposit increases if you started your agreement even less than 3 years and can increase to as much as 35%. Often we advice clients to wait a little longer in order to be able to qualify for the best rates. https://en.wikipedia.org/wiki/Individ... https://www.youtube.com/edit?o=U&vide... Other questions asked by clients, are will I be expected to pay a higher rate? Yes, your rate is certainly like to be higher as this essentially what subprime lenders do , they make the finance available to those who have been through an IVA or issues with credit in the past but in agreeing to offer clients finance, they will charge a higher rate as clients with such atory are regarded as high risk. However you can reduce the rate on your agreement by if you take an agreement much later into your IVA settlement, for instance your rates are likely to be much lower if you took out your finance 6 years after the agreement was set up as opposed to taking it out in after 2 years under the agreement. There are a multitude of other criteria that lenders will have to consider before deciding if they will lend to someone with an IVA settlement and if they do, it can be quite daunting picking the right package that will suit you. This is where having a specialist on your side becomes an asset, a much needed asset to ensure your getting the finance you require is a simple and painless process. This is where we can assist, why not get in touch with us today by clicking on the link below to find out how we can help you.

Capital vs interest only mortgage - Pros and Cons of capital vs Interest only mortgages?

www.remortageyourhome.co.uk Are you confused about the difference between an interest only mortgage vs a capital repayment mortgage. For people who can’t afford to pay for their homes in cash, a mortgage is necessary essentially a loan lent to you from the bank in order to but your home. The bank has two options that you can choose from to repay them, interest only or capital repayment. We will explore in a little more detail; A capital repayment mortgage means every month you pay a little of the loan back to the bank along with any interest accrued on the loan itself over a set period of time. At the end of the set term usually 25 years, the home is yours to keep unless of course you have taken out any further loans known as secured loans. The main disadvantage as seen by some is that it means the monthly payment can be a little bit higher initially but over a period of time this gets lower as you owe less to the bank therefore the interest you pay is lower and you have the peace of mind that at the end of the term you own your home in its entirety. An interest only mortgage on the other hand is where you only repay the interest on the loan you borrowed. With this type of mortgage at the end of the term, you would need to find the total amount you borrowed to give to the bank in full and final settlement of the loan before the home becomes yours. Interest only mortgages has the advantage that your monthly repayments are much lower over the term of the loan however you don’t get the benefit of this amount ever decreasing as you still owe the full capital for the full term and at the end of the agreed term you have to ensure you have the full amount you borrowed to give back to the bank. So you need to ensure you are saving cash each month towards the loan or you have investment plan that will pay off the total owed when the times comes. https://en.wikipedia.org/wiki/Mortgag... Each type of loan has It’s advantages and disadvantages and will very much depend on your circumstances. This is where speaking to a specialist broker becomes worth your while, as the broker will look at your individual circumstances and what you would like to achieve with your purchase, be it your first home to live in or to the steps to start growing your very own property portfolio.

Best mortgage rates for remortgage - how to apply and get the best mortgage rates for a remortgage

http://remortgageyourhome.co.uk If you are looking for the best mortgage rates for your remortgage then you have come to the right place. You see when choosing a mortgage for your potential home or current home it really is very important that you get a chance to look at the wide variety of rates and deals available in order to select the best one for your circumstances. There are many companies out there who offer different areas of expertise on mortgages and there are a multitude of things to consider when deciding what options are right for you, for example should you take a tracker or fixed rate, an interest only or capital repayment method, or how much deposit do I need or how do I know if I have any equity in my home? These are just a few things to consider when making your application. For some clients the concern is more to do with their credit rating as most lenders reluctant to deal with clients who may have a poor credit history previously. Our brokers have lenders who are happy to offer decent mortgage rates to those who have had a poor credit history or low credit score. With all these questions and options choosing the right mortgage rates for you can be overwhelming and confusing. However this needn’t be the case, with our team of experts on hand we are there to take away all the complications and explain every single detail, our simple 1,2,3 step makes the whole process as easy as ABC. In most circumstances we can even process applications online. If you are concerned about your financial circumstances give us a call to discuss. https://en.wikipedia.org/wiki/Adjusta... https://youtu.be/H0swgVG01Ew We pride ourselves not only on the excellent service of finding the right products for our clients but also on our aftercare. Once our clients mortgages or remortgages have completed we keep in touch with them on regular basis keeping them up to date with new up and coming products that may be suitable when a tracker is finished or noting a change in circumstances which may have an impact at a future date. This way clients can be sure they always have the latest information on the best available rates that may suit should they have any major changes in their lives. If you want a free no obligation quote for your circumstances get in touch today and speak to one of our in house experts, we would be happy to help you in choosing the mortgage for you

Adverse Credit Mortgages - How to apply for an adverse credit mortgage

http://remortgageyourhome.co.uk What are adverse credit mortgages? Adverse credit mortgages are mortgages that have been specifically designed to cater for those individuals who have trouble getting a mortgage with the usual high street lenders. This can be for a number of reasons such as bad credit due to having missed payments or have trouble proving that they have a reliable income. Unfortunately people find themselves in these situations all too often especially during major life changes such as death of a spouse or severe illness where it can have an impact on the financial income resulting in missed payments on agreements and mortgage. These unfortunate circumstances can affect anyone at anytime. The question people often ask once they are finally back on their feet however is – will my previous bad credit affect my ability to remortgage my home or raise any further funds be it secured on my home or otherwise. The simple answer is YES which is where an adverse credit mortgages can make a remortgage or financing a secured loan feasible. However only few lenders will consider people with a history of bad credit, most high street lenders will expect their clients to have a near perfect credit history. This would also apply if they approached every day mortgage brokers, as most only work financial products offered by the everyday high street lenders. Adverse credit mortgages is a specialist financial product that is only offered by few specialist lenders known as subprime lenders and only a small selection of mortgage brokers are able to get clients these deals. This is probably because to get these type of mortgages signed off it can be challenging depending on the individuals circumstances. However where you have a specialist mortgage company or broker who understand the needs and requirements of its client, it can then become a pretty simple process. https://en.wikipedia.org/wiki/Governm... https://youtu.be/GZh9RaYrtvI We happen to be one of those brokers specializing in getting clients financial products such as adverse credit mortgages or bad credit mortgages as they are sometimes referred to for our clients, as we have access to a good rang of subprime lenders who will consider all circumstances and create bespoke packages for the client where it is necessary to do. Have you had some financial trouble in the past and worried you can’t get a remortgage or secured loan? Why not drop us a line by completing the no obligation form online to see how we can help you get a re-mortgage that will suit your requirements. For further information simply click on the link above.

Comprehensive investment solutions that achieve individual investment Murdoch Group

The Murdock Group Ltd. strives to maximize returns on an after-tax basis; therefore, tax efficiency is an integral part of what we do. For some clients, we manage various accounts, for example, a trust and an IRA. In these cases, we look to hold certain assets in non-taxable accounts to maximize a client’s combined after-tax returns.

Our wholly client-centric approach ensures that you will always be in control of your solution – however you choose to reach it and our aim will always be to re-evaluate your priorities and amend your strategies accordingly. Such an approach has always been integral to The Murdock Group Ltd. culture and allows us to add independent insight to your thinking and recommend new ideas that may be beneficial to you.

your pressing IRS tax issues, with innovative investment advice which can ultimately mitigate your overall tax liabilities. Whilst the majority of our practice assists clients in navigating the minefield of IRS tax problems, an ever increasing part of our firm is now concerned with giving the most innovative investment advice with a view to mitigating the amount of taxes our clients ultimately pay, in multiple jurisdictions.

Families, from entrepreneurs seeking to sell their businesses to families whose wealth is multi-generational. The majority of our clientele requires complex and intricate financial objectives, and benefit greatly from the expertise brought to bear by the professional acumen of The Murdock Group advisors, as we seek to protect their wealth for generations to come.

The cornerstone of our offering is cultivating a relationship of trust and exceptional service, while combining traditional values with innovative thinking. We have always found that the best way to serve our client base is by getting to understand their business and know them as individuals, and much of our success stems from the mutually beneficial long-term partnerships we have established.

Online Video Marketing Traffic Explosion

Online video marketing is typically low cost and does not have the high advertising costs associated with television advertising. It can be said that its power is getting very close to traditional television advertisements. It is certainly more effective than print ads. More and more businesses are starting to use internet video marketing in their advertising campaigns. It really is the way forward for your business and there are many possibilities. Isn't it time you looked into online video marketing and moved into the future? Embrace it and look at the possibilities awaiting you in online video marketing internet content. Know your business focus What is it that you hope to achieve from your marketing? Are you looking to get new customers or subscribers? Would you like to increase your conversions and sales? Whatever your ultimate goal, it is important for you to have a good video marketing campaign in place. Using online video marketing content will certainly go some way to helping you achieve your business objectives. We prefer visual content Ever since television appeared we have liked to stare at screens, being entertained by whatever it can throw at us. Television had a big impact on society for many decades and now the internet is doing exactly the same. People actually spend more time online now than they do watching television. There are so many ways of being entertained by the variety of internet content available today. One of these ways is video content. Yes individuals and businesses have realised online video marketing offers great opportunities for them. Imagine for a moment you wanted to sell your house. You contact a real estate company to advertise your house for you. Everyone else has a photo of their house on display, but you decide to go one better. You decide to take out your video camera and go from room to room recording every little detail. When people come to enquire about a house, who do you think is going to get the most interest from potential buyers? It is most likely going to be you because you have done your online video marketing and have given them something visual to look at. Not just a dry static photograph like everyone else. We prefer to watch video and this is a prime example of the power of video marketing. At one time banner ads were a popular form of advertising on the internet. They still have some effectiveness to be honest, but some of their power has been eroded in recent years. If a person is faced with the choice of looking at a banner ad or a video, they are more likely to watch the video. As part of your online video marketing strategy you are allowing others to put the video they like onto their website or blog, or even share it with others. You are effectively giving out an online video marketing social experience, which will get you more traffic in the long term. Product advertising If your business has a product you wish to promote then video offers tremendous possibilities here. It is not so easy to explain what the product actually does in plain text. Is your potential customer going to bother reading through the explanation or are they likely to skim through it? With online video marketing you can create an engaging video that will allow you to demonstrate your product visually. The viewer will have a better experience when they watch the moving pictures and hear a voice talking. As part of the video you could add a link of your website so that they can visit it and check out the product further. At this point you can go for the sale. Why not give your products the online video marketing treatment they deserve and add a new angle to your marketing efforts. Sales pages into video Have you ever seen some of those long sales pages on the internet? If you're anything like me you cannot be bothered to read all the way through. Paragraph after paragraph of long waffling text when all you really want to know is what it can do for you and how much is it going to cost. A video sales page that you create as part of online video marketing will offer so much more than a static text sales page. You don't need to appear on camera if you do not want to. The video can be made up of text and somebody can be reading it out loud. You can also add in pictures or effects if you want to. It all helps to offer a great viewing experience and will increase the likelihood of you getting sales. Is video marketing expensive? The simple answer is online video marketing is a low cost method of marketing. You do not need expensive video equipment to make a good video. What you must ensure is that your video is engaging. Offer value to people and they will reward you by checking out further what you have to offer. Hosting your video can be done on YouTube. This offers a number of benefits because millions of people worldwide visit this site on a daily basis. Think of the traffic you could get as a result of online video marketing. You will have more people coming back to your website as a result of people watching your video on YouTube. More traffic increases the likelihood of more sales and subscribers. Also it helps with your online marketing video seo efforts. To host your video on YouTube won't cost you anything either. You can even create your own channel and add many videos to it. If you have a website or blog then you can embed your video in it. YouTube is owned by Google so you can be sure it will help with your online video marketing search engine efforts. You will discover that the traffic you get will be of benefit especially if you are doing local internet marketing in your business. Video marketing services If you feel you don't have the time to investigate this novel way of marketing then you should consider contacting video marketing services. They will be only too willing to take care of your video sales pages, product advertising etc., leaving you free to concentrate on other aspects of your business. Conclusion There has never been a better time to investigate exactly what video can do for your business or product. Those who hesitate will only live to regret it later. You do not need to be an expert to do online video marketing, nor do you need to invest a lot of money. Just present yourself to your audience by producing an engaging video and this will motivate them to buy your product.

Who We Are Majestic State Holdings Limited Investments

Majestic State Holdings Limited Investments. pursues excellence with a passion. Our strategic foundation, which is comprised of our Mission, Vision, Values and Objectives, defines the guiding purpose, values and ethical principles of our team members. It is the foundation of how we operate and create goals.

Our Vision


To be recognized as a role model for tenant satisfaction, team member engagement, profitability and operational efficiency.

Our Mission

To deliver exceptional value and experiences whether living, leasing, building, working or employed with Majestic State Holdings Limited Investments.