Investment Mortgage

If you're an investing type person, perhaps the best and most guaranteed way of income, is to own a UK Investment Mortgage. Primarily best for landlords, investors and people with a large cash flow, these properties are designed for commercial and residential renting.

There are several positive advantages to having an Investment Mortgage. One advantage is that the borrower you choose may allow you to borrow more against the property then valued for improvements. The borrowers are usually more flexible with the payment arrangement and can also offer you tax breaks for such mortgage. The down side to having this type of investment is that there are several different interest categories you could fall into.

If it is a fixed rate Investment Mortgage, you should expect to live in the property or maintain it for several years. You will not see the advantage of a fixed rate in a short term investment. If the rate is adjustable, you should expect some sort of increase in your income for this to be profitable. Keep in mind, The Bank of England is typically slow to decrease adjustable rates and fast to issue increases.

With the dangers of a poorly functioning stock market and the interest rate difficulties that are now faced, purchasing an investment property is certainly a smart option for an investor with long term goals. Whether for residential planning or a commercial building, there are some great UK Investment Mortgages on the market today.

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Residential Development Finance

Property development is a popular and lucrative way to invest money in today's economic crisis. Whether it be a large project beginning with just a piece of land or a smaller renovation project, lenders are still open to investment mortgages and loans.

Factors that affect a borrower's eligibility include the size of a deposit and experience in developing properties. Investment mortgages are normally arranged on an interest only basis with a deposit in the ball park of 25% to 30% of the purchase price (land or property) and the cost of the build.

Investing in property rather than cash and stocks has been a recent trend seen as the credit crunch becomes a household term. Investors are losing confidence in banks and are therefore reluctant to pour cash into them.

Commercial Property Finance

Investing in commercial build ventures or conversion projects are gaining popularity during the credit crunch. Funding for property development is assessed individually on the strength of the proposition and the experience of the property developer. In most cases the deposit is also a factor in determining funding. Between 25% and 30% of the purchase price (land or property) is ideal unless the land is owned on an unencumbered basis or has been granted planning permission.

Commercial property finance tends to be for a year or the duration of the project and is usually on an interest only basis.