Email Campaign Archives for list 'Joint Equity owners'

Christmas greetings from Joint Equity

jointequity — Wednesday 23rd of December 2009 12:50:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 23 December 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! I and all the team here hope you all have a good Christmas and New Year and look forward to new and exciting opportunities in 2010. Make it one of your New Year resolutions to get out of rented accomadation and to own your own home. Together we can help make your home owning greams come true. New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! We are adding new Esate Agents to our network every week and new properties are being advertised all the time. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Why would a Joint Equity Investor-Partner invest in my home?

jointequity — Friday 04th of December 2009 09:05:05 AM

How do I find my new home, a solicitor and other regular questions we are asked

jointequity — Tuesday 01st of December 2009 09:00:05 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe Important information for home buyers! Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Many of our Owner Partners have similar questions and these are the answers. Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Many of our Owner Partners ask similar questions, as often buying a home is a new and daunting experience. It should not be as we are here to help and we answer some of the more common questions here. How do I find a house, do you have a list of homes? We do not have a list of homes that you can buy because you can Buy any Home, Anywhere So you can search for a home by town or postcode on any of the property portal sites such as http://www.rightmove.co.uk/ http://www.primelocation.com/ http://www.propertyfinder.com/ Then there are search engines that search these web sites for you such as http://www.globrix.com/ http://www.fish4.co.uk/homes/ http://www.wheresmyproperty.com/ There may be a Joint Equity Estate Agent in your area and the advantage to using them is that they have a lot of suitable properties, know how we work and can help you through the steps. Don't forget that in your target location the local estate agents all advertise in the local papers and they are always happy to see you in their offices, to register your requirements on their mailing list. Finally the web sites above all have fairly good directories of estate agents by town and by county, so you can get their telephone number and email quite easily. What do I do when I have found my new home? Go to your online area from our web sitehttp://owners.jointequity.com (there is no www) and open a new Illustration, add the price of your target home (or a price you are thinking of offering) and complete the other parts such as deposit ect. If you are happy with the mortgage and investment return costs then click and we will be in contact with you within hours. How do I find a Solicitor? Part of our approach to helping you buy your home rather than renting is that we want to make sure you understand the Partners' Contract. We think it is an easily understood document and we have worked hard to make the language easy to read and not a typical legal document. However, we don't want you just to take our word about what the Joint Equity Partners' Contract means we want to make sure you can ask questions of an independent solicitor. We therefore ask you to see a solicitor of your choice and to sign the Contract, if you are happy to do so, so that he can witness it for you. Many people do not have their own solicitor and wonder where to get one from. Well it is fairly easy and here are a number of options. Joint Equity Estate Agents keep a list of local qualified solicitors who already have researched Joint Equity. Other non Joint Equity estate agents will know local solicitors Do an internet search on Google or similar. Check yellow pages or yell.co.uk Once you have found a solicitor let us know their contact details and we will send them the solicitors information pack and the Contracts. Once he has read the Contracts you can make an appointment to see him and ask any questions before signing the Contracts. How and when is my Commitment Deposit refunded? Your Commitment Deposit is kept in our Client Account at HSBC and is refunded On completion of your purchase. If you do pull out before you make the mortgage application If we cannot find you a mortgage If your conveyancer recommends you not to buy your home for a legal reason. If your Investor-Partner pulls out. If your seller pulls out. We will refund your deposit within 1 working day and we prefer to transfer it directly to your bank account which usually means that it is with you the same day we send it. If you require it by cheque then we will send the cheque within 1 working day but it will take as long as the post takes which with the current strikes could be weeks. We understand that us having your cash is always a worry to our potential Owner-Partner and we have a Treating Partners Fairly commitment to repay deposits within 1 working day. We collect statistics on how well we do against this target and every month we report how we have done to our Chief Executive and believe me if we have not paid the Commitment Deposits back on time he is very, very unhappy. But we want you to know how we are doing as well as it is your money and we publish the same results every 3 months on the web site. Check the last 2 years and this year's up to date results here http://www.jointequity.co.uk/tpf.html You will note that we have achieved the 100% in 1 working day target ever since we started the business nearly 3 years ago. Want to find out more: No problem. First check out our web site www.jointequity.co.uk Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. You can also use property search portals such as Rightmove http://www.rightmove.co.uk/ or GloBricks http://www.globrix.com/ Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. If the Illustration monthly cost is more than you can comfortably afford reduce the house buying price until you reach a monthly sum that is acceptable and then use this price as your target price in a new search. Regards The Joint Equity Owner Team To send us a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners, retired and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2009) unless where otherwise stated

Now is the time to buy your own home

jointequity — Friday 27th of November 2009 03:55:03 PM

Stamp duty is about to rise again, act now save ��s

jointequity — Friday 20th of November 2009 09:10:07 AM

Property prices rise again now is the time to buy your own home

jointequity — Friday 30th of October 2009 10:10:23 AM

Why waste money renting, when you can buy your own home?

jointequity — Tuesday 27th of October 2009 11:55:07 AM

How do I find my new home, a solicitor and other regular questions we are asked

jointequity — Friday 23rd of October 2009 09:55:05 AM

Stamp duty is about to rise again, waiting will cost you a lot of ��s

jointequity — Tuesday 20th of October 2009 11:15:04 AM

Property prices are rising now is the time to buy

jointequity — Friday 16th of October 2009 11:15:06 AM

Why would a Joint Equity Investor-Partner invest in my home?

jointequity — Tuesday 13th of October 2009 11:15:19 AM

Why waste money renting, when you can buy your own home?

jointequity — Friday 09th of October 2009 10:15:04 AM

More evidence property prices are rising

jointequity — Tuesday 06th of October 2009 10:11:36 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe Important information for home buyers! Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Property prices are rising, is the recession over yes it may well be? Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! More surveys tell us that property prices have started to rise again. And they are rising fast. If you are considering ever owning your own home this weekend is a good time to get out and see some great houses and flats, in estate agents, at really attractive prices. Yes we know the arguments against buying and we know what Joint Equity can do to help. "Mortgage lenders require huge deposits"; well Joint Equity means you only need 50% of the deposit lenders require. "My salary is not enough to get the full mortgage": well your Joint Equity Investor-Partner is here to help and take on the amount of the mortgage you cannot borrow yourself. Buying property is a sea full of sharks; absolutely true but with Joint Equity, you have help. Our Owner-Partner team are with you every step of the way and stay with you until you sell up in the future Your Joint Equity solicitor knows all about what we do and will guide you through the legal side, Your Investor-Partner is an experienced property owner themselves, they will help as well, they know the pitfalls, they know what to do when you hit snags. They want you to be successful in buying a valuable property. We do not call them your Investor-Partner for nothing, you are real equal Partners with your Investor, they are not your landlord - they are your co-owning Partner. Why are we all helping you? Good question and we all have different reasons; but it all adds up to you not being alone when you start on the road to buying and living in your new home. If you cannot afford to get your own mortgage and buy a property just by yourself, and your parents or family cannot help you by contributing towards the deposit and a mortgage guarantee, then you should consider Joint Equity. If you normally spend £500 a month in rent, which is £6,000 a year, you will not share in the increase in value of your property. Let us say it is a £125,000 property and it rises by 5% a year. Year 1 the value is £141,750 - Year 2 the value is £148,837 and Year 3 the value is £156,280. Now deduct the purchase price from the Year 3 value £156,280 - £135,000 and the profit is £21,280. When you rent you DO NOT get any of this profit, your landlord does. Now we think that is unfair, why? Because your rent is about the cost your landlord's mortgage - so you are paying for his mortgage but you own - nothing. That is why we at Joint Equity think it is unfair so we split the ownership between you and your Investor-Partner and that means you get your Share of the profit when you leave. So let us now work the Joint Equity numbers for the same home at £125,000 and a 50% Share, with the same value at Year 3 £156,280, and the same profit £21,280. With Joint Equity 50% of the profit from the sale price is yours when you leave and in this example it would be £10,640. And that is a good addition to your deposit (which you also get back) and means you can buy a bigger house or own a larger Share next time. What we want to help you do is buy a 50% Share the first time, then a 75% Share the second time and then we hope you will be able to buy 100% of your third home. Trading homes this way is the traditional route to buying bigger better homes, we all did it when we were young and it is no different today. But remember along the Joint Equity route whether you own a 50% or 75% Share it is your home and you do not have a landlord you have a co-owning Investor-Partner instead. And the real big win with us is that it is most likely your existing Investor-Partner will stay with you when you move up to a 75% Share. And this is the big reason why our Investor-Partners want to invest with you, they want to help you get that foot on the first and second housing ladder rung, as well as earning a good return for their investment. That is why Joint Equity is called the win/win solution. If you would like more information on why we believe Joint Equity is an ethical way for investors to invest in residential property see our web site www.ethical-property-investments.co.uk . But please remember this is an example, we cannot guarantee house prices will rise; in fact they can go down for a number of years, as we have seen in the last 2 years. Before you make a mortgage application we require you to have independent legal and financial advice, we want to make sure you understand Joint Equity and that you are happy that you can afford the monthly payments. And don't worry if you do not have your own Solicitor now we have a fact sheet that helps you find a suitable local Solicitor. There really has not been a better time to buy for many years and there are some good properties on the market. So what is holding you back? You are already a registered Owner-Partner with Joint Equity so log in to your account here and revise or complete your Illustration to see what owning your own home will cost. If you need help or have questions please contact the Owner Team who will be more than pleased to answer any questions. Need to find out more: No problem. First check out our web site www.jointequity.co.uk Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. You can also use property search portals such as Rightmove http://www.rightmove.co.uk/ or GloBricks http://www.globrix.com/ Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. If the Illustration monthly cost is more than you can comfortably afford reduce the house buying price until you reach a monthly sum that is acceptable and then use this price as your target price in a new search. Regards The Joint Equity Owner Team To send us a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners, retired and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2009) unless where otherwise stated

Stamp duty is about to rise again, waiting will cost you a lot of ��s

jointequity — Monday 28th of September 2009 06:05:03 PM

Why would a Joint Equity Investor-Partner invest in my home?

jointequity — Tuesday 22nd of September 2009 10:10:22 AM

Why waste money renting, when you can buy your own home?

jointequity — Friday 18th of September 2009 10:10:07 AM

More evidence property prices are rising

jointequity — Tuesday 15th of September 2009 10:05:04 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe Important information for home buyers! Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Property prices are rising, is the recession over? Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Not quite, but it is on the way to being over. More surveys tell us that property prices have started to rise again. If you are considering ever owning your own home this weekend is a good time to get out and see some great houses and flats, in estate agents, at really attractive prices. Yes we know the arguments against buying and we know what Joint Equity can do to help. "Mortgage lenders require huge deposits"; well Joint Equity means you only need 50% of the deposit lenders require. "My salary is not enough to get the full mortgage": well your Joint Equity Investor-Partner is here to help and take on the amount of the mortgage you cannot borrow yourself. Buying property is a sea full of sharks; absolutely true but with Joint Equity, you have help. Our Owner-Partner team are with you every step of the way and stay with you until you sell up in the future Your Joint Equity solicitor knows all about what we do and will guide you through the legal side, Your Investor-Partner is an experienced property owner themselves, they will help as well, they know the pitfalls, they know what to do when you hit snags. They want you to be successful in buying a valuable property. We do not call them your Investor-Partner for nothing, you are real equal Partners with your Investor, they are not your landlord - they are your co-owning Partner. Why are we all helping you? Good question and we all have different reasons; but it all adds up to you not being alone when you start on the road to buying and living in your new home. If you cannot afford to get your own mortgage and buy a property just by yourself, and your parents or family cannot help you by contributing towards the deposit and a mortgage guarantee, then you should consider Joint Equity. If you normally spend £500 a month in rent, which is £6,000 a year, you will not share in the increase in value of your property. Let us say it is a £125,000 property and it rises by 5% a year. Year 1 the value is £141,750 - Year 2 the value is £148,837 and Year 3 the value is £156,280. Now deduct the purchase price from the Year 3 value £156,280 - £135,000 and the profit is £21,280. When you rent you DO NOT get any of this profit, your landlord does. Now we think that is unfair, why? Because your rent is about the cost your landlord's mortgage - so you are paying for his mortgage but you own - nothing. That is why we at Joint Equity think it is unfair so we split the ownership between you and your Investor-Partner and that means you get your Share of the profit when you leave. So let us now work the Joint Equity numbers for the same home at £125,000 and a 50% Share, with the same value at Year 3 £156,280, and the same profit £21,280. With Joint Equity 50% of the profit from the sale price is yours when you leave and in this example it would be £10,640. And that is a good addition to your deposit (which you also get back) and means you can buy a bigger house or own a larger Share next time. What we want to help you do is buy a 50% Share the first time, then a 75% Share the second time and then we hope you will be able to buy 100% of your third home. Trading homes this way is the traditional route to buying bigger better homes, we all did it when we were young and it is no different today. But remember along the Joint Equity route whether you own a 50% or 75% Share it is your home and you do not have a landlord you have a co-owning Investor-Partner instead. And the real big win with us is that it is most likely your existing Investor-Partner will stay with you when you move up to a 75% Share. And this is the big reason why our Investor-Partners want to invest with you, they want to help you get that foot on the first and second housing ladder rung, as well as earning a good return for their investment. That is why Joint Equity is called the win/win solution. If you would like more information on why we believe Joint Equity is an ethical way for investors to invest in residential property see our web site www.ethical-property-investments.co.uk . But please remember this is an example, we cannot guarantee house prices will rise; in fact they can go down for a number of years, as we have seen in the last 2 years. Before you make a mortgage application we require you to have independent legal and financial advice, we want to make sure you understand Joint Equity and that you are happy that you can afford the monthly payments. And don't worry if you do not have your own Solicitor now we have a fact sheet that helps you find a suitable local Solicitor. There really has not been a better time to buy for many years and there are some good properties on the market. So what is holding you back? You are already a registered Owner-Partner with Joint Equity so log in to your account here and revise or complete your Illustration to see what owning your own home will cost. If you need help or have questions please contact the Owner Team who will be more than pleased to answer any questions. Need to find out more: No problem. First check out our web site www.jointequity.co.uk Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. You can also use property search portals such as Rightmove http://www.rightmove.co.uk/ or GloBricks http://www.globrix.com/ Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. If the Illustration monthly cost is more than you can comfortably afford reduce the house buying price until you reach a monthly sum that is acceptable and then use this price as your target price in a new search. Regards The Joint Equity Owner Team To send us a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners, retired and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2009) unless where otherwise stated

Property prices are rising now is the time to buy

jointequity — Friday 11th of September 2009 11:25:06 AM

Stamp duty is about to rise again, waiting will cost you a lot of ��s

jointequity — Tuesday 08th of September 2009 10:16:10 AM

Why would a Joint Equity Investor-Partners invest in my home?

jointequity — Friday 14th of August 2009 10:55:05 AM

Property prices begin to rise, how can you get on the property ladder

jointequity — Tuesday 11th of August 2009 11:00:16 AM

More evidence property prices are rising

jointequity — Friday 07th of August 2009 11:00:11 PM

Why waste money on rent, when you can buy a home

jointequity — Tuesday 04th of August 2009 05:15:05 PM

Why rent when you can buy & how to buy your new home

jointequity — Tuesday 07th of July 2009 02:00:23 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 07 July 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: Read this week's article Why rent when you can buy? How to buy your new home. How to find Joint Equity properties This week's article This article we quote from was written for Buy to Let landlords that you will be renting from, and you know what that means? You are paying their mortgage!!!! And for no financial benefit. With Joint Equity you can own at least 50% and up to 75% of your own home for about the same monthly cost as renting. That means that as the value of your home rises, you benefit. You may think this is odd; but our Investor-Partners invest because they make money AND they help you make money as well at the same time. It really is true and they know Joint Equity is the ethical way for investors to benefit from the UK residential market, unlike Buy to Let that just rips the tenant off which many Investors are now unhappy with. So why not look at what Joint Equity can do for you today by completing an Illustration online, or updating your existing ones. It's quick, easy, no credit checks, free and with no obligation. Online Illustrations here.If you need assistance email us here. So you have done your Illustration and found you can buy instead of renting but how do actually go about buying your new home? The answer is you get tough. You want the best you can for yourself, and with a Joint Equity Investor-Partner you can use their experience and advice. Read this excellent article and do it, it is right, it is what happens. For investor read yourself and our comments are in square brackets [and italics] We are grateful to Property Investing for this article http://www.propertyinvesting.net/ "For all those investors that plan to buy city flats-apartments, we enclose a simple check list that can be used when viewing property, plus other key considerations to help you purchase the best flat, in the best area at the best time: A. Criteria for Flat Purchase B. Positive Change C. Motivated Seller D. Timing E. Low-Ball Offers A. Criteria for Flat Purchase: See below, the more ticks the better.You can insert these criteria into an Excel spreadsheet for multiple viewings – so you can keep a good record prior to putting in offers. Some of the key considerations for buying a flat, particularly if for buy-to-let purposes, are the proximity to tube and/or rail station. Tenants don't want to walk any more than 4 minutes – preferably 1 minute. This is partly because they don't like dark streets (security) and partly because they don't like walking – they'd rather be enjoying themselves – busy with friends. So don't kid yourself that it will be easy renting a property where the tenant would have to walk 10 mins through dark streets to get to the tube/rail – we say this out of previous experience. If the flat is clean, has reasonable sized rooms, is secure and only a few minutes walk to the rail or tube with good communications to the City/West End – you will find it very easy to let out. Re-sale will also be easier. Tenants and private purchasers tend to prefer well decorated period property. One bedroom Victorian flats with high ceilings and spacious proportions are always popular. Ideally, the flat should be on a quiet street, but no more than one minutes well lit walk to a main street and thence only a few minutes walk to a tube and/or rail stations. Okay, these flats are more difficult to find, but it will be easier to let out if you find one – at a good price of course. [That means it will get a better price when you sell in the future] · Total area,number of bedrooms · Separate living room · Separate kitchen · Separate bedroom · Separate bathroom · Storage · Separate WC · Garage · Off street parking · Balcony · Period features · Potential for loft or basement conversion · Access to own or communal garden · Patio or roof terrace · Views · Double glazing · Quite street (y/n) · Private housing (or council tenanted) · Recent gas boiler installation · Decorative order · White goods included · Carpets-curtains included · First floor (easy access) · Tube within 2-7 mins walk · Rail within 2-7 mins walk · Regenerating – improving area · Price · % reduction to normal market value · Star quality · Overall impression-feeling-rating B.Positive Change: It's also important to purchase property in an improving location. This could be a poor or a wealthy area, or a poor area within a wealthy area. But its important that positive change is occurring. Examples of positive change to an area are: · Olympics – Stratford-Lower Leas Valley (and Weymouth) · New High Speed Rail Services – St Pancras, Stratford, Ebbsfleet-Gravesend, Ashford, Folkestone · New Jobs – Canary Wharf, Stratford, City, West End, Chiswick · New Rail Line – East London Line to Croydon-New Cross-Shoreditch-Hackney · Regeneration project – Stratford, Canning Town, Shoreditch area, Bow, Chiswick Business Park, Battersea Power Station, Nine Elms US Embassy, Wembley, Peckham - East Dulwich, White City Retail Park, Bradford City Centre, Corby, Brentford, Elephant & Castle, Ramsgate, Folkestone C. Motivated Seller: If you can purchase a property that has a highly motivated seller – then even better. You should target achieving a purchase price of about 15% below normal market value. This can be done by purchasing property that is: Repossessed – some estate agents act for banks to sell these distressed properties – if the property is superficially in bad décor and messy, all the better – you will find a better chance of getting a bargain and being able to do a quick fix to improve and add value Auctioned – [DO NOT CONSIDER AUCTIONS Joint Equity CANNOT PROVIDE SUPPORT FOR AUCTIONED PROPERTY] Motivated Seller – find a seller that has to move because of divorce, ill health, loss of job, financial difficulty, other issue, new jobs. You will be helping by offering a quick deal – be honest, help but always remember – you are the one with the money, and you can walk any time. Try and secure a deal with 15-20% below normal market value. This will be far easier if you are flush with cash, have a lot of experience, can demonstrate a track record to the seller and estate agent (e.g. you are not a time waster). You can put a sequence of low ball offers in to vendors over a period of a few weeks – the first one that accepts, you can then close on the deal. [OK this is difficult if you are 1st time buyer but use your Investor-Partner he is experienced and wants the best price too.] [Now the big ones] D.Timing – we find the market is cool in August and from mid October to mid January. [It always is whatever state the market is in] The quietest time is just before Christmas. This is when you will find the most motivated sellers and the least motivated buyers. Reason – the sellers want to secure a deal so they can relax at Christmas – not have to worry. The buyers are all busy finishing work before Christmas starts, going to office and other parties and functions, and doing Christmas showing. Furthermore, it is dark, cold, windy, rainy, you cannot see property very well and time is limited. This is when the best property investors are out in force – a perfect quiet period with no competition around. You should be able to secure an addition 8-10% reduction in the period mid November to 20th December each year! We say this for some excellent experiences we have had. So plan to low-ball end November to mid December and you might get a pleasant surprise and early Christmas present. Get you woolly had, raincoat and gloves on. Be prepared to see the property in the dark and make a call. Don't wait for the nice weather – prices will be higher! [to do this you need to act now and prepare with an Illustration and us finding you an Investor-Partner] E.Low Ball Offers – The key final stage is to put in low ball offers. Do not be scared to put in a very low offer. They can only say no! You will get used to it. Rejection does not normally feel good - but rejection in this case is NOT negative - the more no's you get the better. Eventually you will get a yes. Review a thousand properties on the website. Then visit 30. Try and find ten properties you want to buy. Then put in sequentially low-ball offers of -20% below asking price for the ten properties – spaced over two days. If they all say no, go back then offer again, this time -17% below asking prices sequentially. If they all say no again, consider starting over again, or take the top property and offering -15% (a final offer). If you use this process you will always achieve at least -15% below asking price to start with. And if you find a bargain in the first place at a quiet time, it could be you buy at -25% below normal good season market conditions!" Good house hunting and with a planned, methodical approach you will succeed, just beware of "falling in love" with one property - you need to be well hard New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! listed every day Not sure what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. How to find out more: Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. That's all for this week. Take care, Sarah Joint Equity Owner Team To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Beware pitfalls of cancelling your credit cards : Joint Equity Owner News

jointequity — Wednesday 13th of May 2009 04:25:05 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 13 May 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article: Beware pitfalls of cancelling your credit cards New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Romanes Street, Northwich Property type: 2-bed Terrace Joint Equity price: £57,500 for 50% ownership share About this property: A two bedroom mid terraced house, positioned within a popular location of Northwich, and within walking distance of local amenities. In brief the accommodation comprises to the ground floor: Entrance Hall with the original Minton Tiled floor, Breakfast Kitchen, Lounge and separate Sitting Room. To the first floor there are two good sized bedrooms and an excellent size family bathroom. The property benefits from gas fired central and majority double glazing. Paved yard and garage to the rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article: Beware pitfalls of cancelling your credit cards Today's Money Saving Expert newsletter includes an interesting piece about the companies that claim to be able to wipe your credit card and loan debts by exploiting legal loopholes. Firstly, pending a handful of test cases, it might not be possible to wipe these debts off (see here for more detail: http://www.moneysavingexpert.com/reclaim/news/2009/05/all-debt-write-off-cases-suspended-). Secondly, if it does work, you still need to be careful. As MSE Martin Lewis says, "of the few proven successes, most are for limited settlements, or an agreement not to pursue debts, though that ruins your credit score". So, you might get your debts written off, but this will have repercussions for your credit score, which in turn, will affect your chances of getting a mortgage. MoneySavingExpert.com will soon be releasing a guide on these types of schemes, so even if you are tempted by them, it might be a good idea to wait for the test cases to go through and for the guide to come out before you make a move. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

First Time Buyer Affordability is Improving : Joint Equity News

jointequity — Wednesday 06th of May 2009 02:35:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 06 May 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - First Time Buyer affordability is improving See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Northwich Property type: Detatched Joint Equity price for 50% ownership: £110,000 About this property: 3 Bedroom Central Heating Dining room Fully double-glazed Garden Kitchen Lounge Single Garage Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - First Time Buyer affordability is improving According to the latest Halifax FTB Affordability Review Home affordability for potential first-time buyers (FTBs) is now the best that it has been for 6 years, and has improved substantially since 2007. The proportion of local authorities in the UK where housing is affordable for first time buyers has more than trebled since 2007. In the first quarter of 2009, the average price paid by a first time buyer was affordable for someone on average earnings in 21% of local authorities; compared to just 6% in 2007 Quarter three. The house price to earnings ratio - a key affordability measure - is lower now than it has been for more than six years. Further, the house price to average earnings ratio has declined from a peak of 5.84 in July 2007 to an estimated 4.34 in March 2009 - a fall of 26%. The proportion of disposable earnings devoted to mortgage payments - another affordability measure that includes the impact of interest rate changes - has also fallen significantly due to the combination of the decline in house prices and the cut in interest rates to record lows (from a peak of 48% in 2007 to 31% in 2009 Quarter one). Martin Ellis, housing economist at Halifax, commented: "There has been a marked improvement in housing affordability for potential first-time buyers in many parts of the UK over the past 18 months. This trend continued in the first three months of 2009. The significant reductions in house prices, relative to average earnings, has resulted largely from the decline in house prices since the autumn of 2007. As a result, housing is at its most affordable, on this key measure, for more than six years." At Joint Equity, we're seeing this reflected in increasing numbers of enquiries and applicaitons to The Joint Equity Scheme. Your questions answered Question: I'm worried about my job in the current economy, does this mean that I can't apply to the Joint Equity Scheme? Answer: Technically, you can still apply, as lenders want to see your previous payslips, rather than having proof of future income. However, if you are unsure of your situation, it would probably be more sensible to wait and see what happens before making your actual application. This doesn't mean that you have to stop house-hunting though. Use the time to do research on the areas and streets that you'd like to live in, and keep going to view properties. That way, as soon as you feel more confident in your employment, you will be ready to move on with your application! Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Need help with problem debts? Joint Equity Owner News

jointequity — Wednesday 29th of April 2009 12:30:05 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 29 April 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Need help with problem debts? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Bradwell Village, Oxfordshire Property type: 2 bed, Terraced Joint Equity price: 87,500 for 50% ownership About this property: In our opinion a beautifully presented two bedroomed terraced house on this popular development situated between the market town of Lechlade and Burford. Accomodation comprises entrance hall, cloakroom, kitchen, and sitting/dining room on the ground floor. On the first floor are two double bedrooms and bathroom. There are front and rear gardens, the rear garden having gated access with a single sized garage in a nearby block, parking in front of garage and one allocated parking space. Joint Equity Estate Agent: www.wychwoods.com How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - help for problem debts The Government and the Credit Services Association have struck a new deal with debt collectors, which means that those struggling with problem debts will get 30 days breathing space – without the bailiffs knocking on your door! What's this about? Lovemoney.com says: “From the end of May this year, debt collectors have agreed to give 30 days 'breathing space' to consumers seeking help to sort out their finances. This means that during this period, you shouldn't have bailiffs beating on your door - and you can use the time to visit places like the Citizens Advice Bureau. They should be able to help you negotiate a repayment plan, and generally take control of your debts. If your creditors are chasing you, it's crucial you seek help from an accredited debt advisor as soon as possible. Only then will the new breathing space apply”. So this is only going to make a difference to those who seek help from an accredited debt advisor, but when a person choses to seek help is entirely up to them! Why have we put this in our newsletter? Well, if you want to buy your own property at any point, you should use facilities like this to help sort out any problem debts in this way, without an IVA (Individual Voluntary Agreement) or more formal procedures, then you will have a better chance of getting a mortgage in the future. This is because IVAs will affect your credit record in a particular way, however coming to personal arrangements with your creditors (with the help of the Citizens Advice Bureau or Consumer Credit Counseling Service) will do much less damage to your credit score. More information is available here: http://www.lovemoney.com/news/destroy-your-debt/new-debt-help-how-to-make-the-most-of-it-3397.aspx Your questions answered Question: The news is full of stories about banks not lending any money at the moment. Does this mean that I won't be able to get a Joint Equity mortgage now? Answer: Not necessarily - Joint Equity Lenders are still providing mortgages to the Joint Equity Scheme. However, some of them have put up their required minimum deposit amounts. The best thing to do is check with your Joint Equity Mortgage Broker what the exact situation is, when you're ready to buy your Joint Equity property. Things are changing all the time at the moment, and we're hoping that it will be for the better! Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Saving money - at the library? Joint Equity Owner News

jointequity — Tuesday 14th of April 2009 07:55:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 14 April 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Saving money, at the library? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Long Acre, Northwich Property type: End Terrace Joint Equity price: £124,975 for 50% Ownership About this property: A well presented four bedroom family home, located in a quiet cul-de-sac within the desirable, prestigious area of Delamere Park, offering swimming pool, tennis courts, squash courts, community centre with bar. Close to Delamere Forest. Viewing is essential to appreciate the flexibility the property offers as a family home. In brief the accommodation comprises entrance vestibule, cloakroom, dining room, kitchen, good sized lounge that opens on to the rear garden. To the first floor there are three double bedrooms and family bathroom, with the master bedroom being on the second floor with en-suite shower facilities. Externally there are gardens to the front and rear, the rear garden offering a good degree of privacy and giving access to the detached single garage. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Saving money - at the library? lovemoney.com is the new consumer website from the Motley Fool, and they have a great article about saving money at the library (see the full article here: http://www.lovemoney.com/news/ways-to-save/six-ways-your-library-can-save-you-money-3354.aspx?source=1000002). These days, most of us don't use our local libraries, but there's a whole lot there and it's all free (or very very cheap), which is really useful at the moment! Read the lovemoney.com articles for full details, but they highlight a number of areas that a library can help you save money: 1. Books (of course). 2. DVD's. 3. Borrow games. 4. Listen to music (and borrow audio books). 5. Surf the net. 6. Try new activities. Of these I've used 4 services in my local library, and I have to say it's been excellent. Especially for DVDs, as you don't have to return them after just a day or two (during which it can be hard to find the time to watch them), but you're not committed to a long membership like some of the DVD by post services. I also love audiobooks as I can listen whilst doing the gardening or whatever. So, get down to your library and save yourself a few quid! That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Why you want to buy your own home. Joint Equity Owner News

jointequity — Wednesday 08th of April 2009 11:55:09 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 08 April 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers... In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - why you want to buy your own home See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Long Acre, Northwich Property type: End Terrace Joint Equity price: £124,975 for 50% Ownership About this property: A well presented four bedroom family home, located in a quiet cul-de-sac within the desirable, prestigious area of Delamere Park, offering swimming pool, tennis courts, squash courts, community centre with bar. Close to Delamere Forest. Viewing is essential to appreciate the flexibility the property offers as a family home. In brief the accommodation comprises entrance vestibule, cloakroom, dining room, kitchen, good sized lounge that opens on to the rear garden. To the first floor there are three double bedrooms and family bathroom, with the master bedroom being on the second floor with en-suite shower facilities. Externally there are gardens to the front and rear, the rear garden offering a good degree of privacy and giving access to the detached single garage. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - why you want to buy your own home I just read this great article at fool.co.uk, which explains clearly and succinctly why the British are obsessed with buying their own homes. The answer is that it's because it's so awful to rent in this country - pure and simple! A contrast is made with the situation in Germany where LOTS of people rent their homes. In exchange they get good security (landlords can't kick tenants out), and tenants can personalise their homes because they are let almost bare (normally no lightfittings, and sometimes no kitchen units). In the UK, however, it is as easy for a landlord to force a tenant to move on as it is for a tenant to leave the property, and you often have to live with your landlord's dodgy taste in velour curtains or headache-inducing carpets. When you think about it honestly, you'll probably find that security, stability, and the opportunity to truly make your home your own, are the key reasons that you want to buy your own property. Financial issues are important too, of course, but are actually secondary to the emotional issues for most people. In Germany you can get these things in a rental property, in the the UK you can't. Most Joint Equity Owner-Partners are moving from rented accomodation to Joint Equity purchasing (rather than coming straight from their parent's homes to Joint Equity). They have tried renting and they've had enough. They want stability, security, and a place they can call their own - and the fact that they're getting something for their money doesn't hurt either! Your questions answered Question: I am quite interested in buying a Joint Equity property, but want to know if there is lots of red tape to wade through? Answer: The answer is yes and no. Buying any property involves quite a bit of administration, what with mortgage applications and conveyancing etc. With Joint Equity there are 2 extra steps, as we match you with an Investor-Partner and you must take independent legal advice before signing the Joint Equity Partners Contract. However it's not arduous, as we also have a great team of professional advisors in place to help you through the whole process, from specialist conveyancers to mortgage brokers and estate agents trained in the Joint Equity purchase process. So, it's not nearly as difficult as you think. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

3 different surveys agree the market is slowing down : Joint Equity Owner News

jointequity — Tuesday 31st of March 2009 09:20:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 31 March 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - 3 surveys agree the market is slowing down See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Buxton, Derbyshire Property type: 4-bed terrace Joint Equity price: £107,475 for 50% Ownership About this property: A beautifully presented mid terrace stone family home with character and features, conveniently located for the town centre and all amenities. The accommodation is well proportioned throughout and is arranged over four floors, benefiting from gas fired central heating and part double glazing. To the front of the property there is an attractive low maintenance garden whilst to the rear there is a flagged area along with off road parking. The property enjoys countryside views from the front elevation and viewing is highly recommended to appreciate the standard and specification of this property. Purchasers are asked to note that this sale is not involved in a chain. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - 3 surveys agree the market is slowing down According to this article in the Independent yesterday, 3 different surveys from Hometrack, propertyfinder.com and The Association of Residential Letting Agents, indicate that the housing market is falling less sharply, and that more house sellers are achieving their asking prices. Does this mean that everything will be back to normal by this time next Wednesday? Well no, but what the article says is that consumer confidence is on the rise again, although this is tempered by concern over the present state of the job market. As we all know, consumer confidence has a lot to do with house prices, so I'm sure this will have an impact. Let's watch this space and see what happens next! Your questions answered Question: Which properties are eligible for The Joint Equity Scheme? Answer: Any property is eligible for The Joint Equity Scheme, as long as it is within your price range according to your Illustration (go to the Owners Area to do your own Illustration). However, if you are having trouble finding an appropriate property, your nearest Joint Equity Estate Agent will be able to help you choose. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

An apology from Joint Equity for an email sent in error

jointequity — Tuesday 31st of March 2009 07:25:02 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 31 March 2009 Dear %%First Name%%, For an unknown reason when we upgraded our mailing list software today some of our registered Owner Partners were sent a copy of the Information Pack by mistake. Thank you to those that pointed this out and we have corrected the error. You need take no further action and will continue to recieve Newsletters as usual and your Owner Partner account has not been affected. I aplogise for any inconvenience caused. Kind regards Kate The Joint Equity Owner Support Team owners@jointequity.co.uk Joint Equity Ltd Delivering home ownership dreams and rewarding property investments today Joint Equity Ltd Company No: 4915890. Registered in:UK. Registered Office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ www.jointequity.co.uk Unsubscribe me from this mailing list If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Has the market reached bottom? Distressed property sales suggest it might have.

jointequity — Wednesday 18th of March 2009 10:40:07 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 18 March 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - has the mortgage market reached bottom? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Has the property market reached bottom? Developers are starting to raise prices on distressed housing stock sales, according to investment managers Assetz, which is the first clear early sign that the housing market is reaching the bottom. House prices at auctions also appear to have started to plateau since the New Year. “Distressed” housing is where property sales have been forced, e.g. due to repossession by a mortgage or development loan lender. These are often sold at auction, and many house buyers look at these sales as a chance for a real bargain. Assetz believes the distressed property market has just passed its lowest point, in terms of achieving the lowest possible price for buyers of residential property. Many housebuilders are running out of completed stock, while others are successfully renegotiating their banking covenants, taking some of the pressure away to sell at prices well below cost of build. Future stock will only get built if prices are above cost, which means it will be some considerable time before new supply comes onto the market. House price indices, which show house price falls ranging from 10 - 16% in 2008, will continue to show falls for some months to come, but investors and home buyers should appreciate that these indices are significantly delayed in terms of data capture, by as much as three months. A buyer who waits for two or three consecutive rising months from a house price index, will probably have missed the bottom of the market by at least six months. In addition, the pricing in the distressed market will have improved significantly by the time house prices start to turn up, meaning the bargains available today will be long gone. Stuart Law, Chief Executive of Assetz, comments: "If the distressed property market had a house price index, it would have already reached the bottom and there are clear signs that these prices are beginning to turn upwards. There are multiple bidders for much residential distressed property - an early warning indicator that the wider market trend will change in the near future. Savvy investors know they will secure the best price while consumer sentiment is at its worst, not when the press is reporting a market recovery”. Your questions answered Question: I am looking at properties, but don't know what I can afford to buy with Joint Equity. What should I do? Answer: We get this question a lot, and is why we developed our system of Illustrations and the Owners Area. Our online illustrator allows you to put in your own details and the prices of different properties that you are looking at. You can then choose different levels of ownership and deposit to see what the monthly costs would be and if you have enough deposit for that property in the first place. You can save these illustrations and print them out to compare them side by side and see what options would work out best for you. Using the illustrator, many of our Owners have found out that they can actually afford to own more of the property of their choice (giving them a greater share of any increase in value), or that they can buy a slightly larger or nicer property than they'd first thought. Click here to try it for yourself. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

How to tell when the market is going to turn. Joint Equity Owner News

jointequity — Tuesday 10th of March 2009 03:30:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 10 March 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - How to tell when the market is going to turn See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Bradwell Village Property type: 2 Bed Terrace Joint Equity price: £87,500 for 50% Ownership About this property: In our opinion a beautifully presented two bedroomed terraced house on this popular development situated between the market town of Lechlade and Burford. Accomodation comprises entrance hall, cloakroom, kitchen, and sitting/dining room on the ground floor. On the first floor are two double bedrooms and bathroom. There are front and rear gardens, the rear garden having gated access with a single sized garage in a nearby block, parking in front of garage and one allocated parking space. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - How to tell when the market is going to turn Once again the Motley Fool brings us some useful information in a time of gloom and doom! Fool writer Bruce Jackson uses this article to give us the 4 signs to look for when a plummeting market is soon to reach the bottom (and therefore start creeping up again). Of course, he's talking about the shares market, but as we all know this is closely tied to the national economy, it's a good idea to watch one for predictions of what is going to happen in the other. The 4 key signs as identified by Jackson are: 1. Shares not being hammered by bad news. 2. The shambles of an economy 3. Almost universal stock market gloom 4. Shares are cheap Yes, if you look at these things they all seem to be signs of BAD things rather than good, but we have to reach the bottom of the market before things can start improving again so remember that "it is always darkest before dawn"! Watch this space, I think the markets will be on the up again within 6 months, and then the economy will be on the mend too 6 months after that. Your questions answered Question: I have found a property but am worried that I can't move fast enough to buy it, and that someone else might gazump me. What should I do? Answer: At the moment, it is not likely that you will get gazumped (this is where another buyer swoops in before you can complete and offers more money for the property), as there is a lot of property on the market and the market is moving relatively slowly. This doesn't mean that it can't happen though - just that it's not likely. All that you can realistically do is to carry out your end of the transaction as quickly as possible. This means responding to conveyancers letters quickly, phoning estate agents and your legal representatives regularly to check for updates and to see if anything more is required from you, and to keep on the case with your mortgage application too. If you can do these things, your purchase will be as safe as you can make it. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Make money from your spare room - Joint Equity Owner News

jointequity — Wednesday 04th of March 2009 09:25:04 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 04 March 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Make money from your spare room See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Adlington Drive, Northwich, Cheshire CW9 Property type: End Terrace Joint Equity price: £67,250 for 50% ownership About this property: A delightful end terraced property, viewing is essential to appreciate the tastefully decorated and well presented accommodation, which in brief comprises entrance vestibule, entrance hall, lounge, modern fitted kitchen diner, two double bedrooms and modern ivory bathroom. Externally there is a lovely garden to the rear, with patio area, brick built barbeque and summer house. To the front there is off road parking. The property benefits from gas fired central heating and Upvc double glazing. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Make some money from your spare room With the credit crunch in mind, I was going to write an article this week about how to rent out your spare room to make some extra cash. So, I started doing my research and found that The Motley Fool had already published one last week. So, without further ado, here's a fab article from Esther Shaw at www.fool.co.uk. (Original article is available here: http://www.fool.co.uk/news/property-home/2008/11/14/make-4250-tax-free-from-your-spare-room.aspx) Make your spare room make you money: get a lodger! The idea of getting a stranger to share your home with you may not be the most appealing prospect, and yet in the current uncertain climate with income being squeezed in so many ways, more and more of us are taking in a lodger to help out financially. New findings from insurer Legal & General show an additional 27,000 homeowners took in a lodger over the past 12 months in a bid to earn some extra money and beat the credit crunch. And, given that the average monthly asking price is £289, according to Abbey Mortgages -- which tots up to £3,468 per year -- the figures soon stack up. Choosing Your Lodger But while more than 18 million homeowners have at least one currently uninhabited spare bedroom, the decision to take in a lodger is not one to take lightly. After all, for most of us, home is a place to escape to. So opening it up to a tenant may present a whole host of problems. The key is to be selective and to vet potential candidates carefully so that you end up with someone who fits in with you, your interests and your lifestyle. If you advertise -- using a website like Gumtree for example -- make sure you focus on the facts, such as the details of the room and the terms of the tenancy. Set up interviews with prospective tenants, and if you’re not sure after the first meeting, don't be afraid of calling them back for a second meeting. Ensure your prospective lodger provides references -- and potentially also details of his or her rental history -- as this will help you get a clearer idea about your lodger’s character. While there is no legal requirement to have a written agreement between you and your lodger, it is highly recommended you have one drawn up. This agreement should include the amount of rent, the frequency of rent payments, how long until the payment amount is to be reviewed, any services you may want to provide, the notice period, and share of household bills, and the all-important house rules. For more information go to the National Landlords Association. Share The Mortgage The main benefit of taking in a lodger is the fact you can don't have to tackle the whole mortgage on your own. This can be of real benefit to single buyers or couples who purchase a two-bedroom property and who can then use the extra income to help out with mortgage repayments. And, in some cases, where family finances are reaching breaking point, this could even keep the bailiffs from the door. However, it's worth noting that while the vast majority of lenders allow you to take in a lodger with the minimum of hassle, it's worth checking your lender's terms and conditions. Tax-Free Incentives Another advantage of renting out a room is the fact it is tax-efficient, as you can receive up to £4,250 tax-free gross rental income a year under the Government's Rent A Room scheme. Rent A Room is an optional exemption scheme that lets you receive income from renting furnished accommodation in your only or main home. Review Your Insurance * You must tell your home and buildings insurer if you are planning to rent out a room. Failure to do so could result in any cover that is in place being declared void. This could leave you in serious difficulty if there is a fire or your home is destroyed. * An insurer will normally apply restrictions to the policy cover -- vandalism and malicious damage caused by the tenant may be excluded, for example. Also note that theft cover only includes losses where there is evidence of forcible entry or exit to the property, so you will not be covered if your lodger simply walks away with an item. * As many home contents policies will only generally cover for the possessions of the homeowner and family, tenants will need to arrange their own household contents insurance. * For an additional premium, some companies may still be prepared to offer cover for accidental damage. This could be useful if the new tenant has a party and spills drinks on the sofa or carpets, say. * Note that restrictions for short-term lets arranged through friends could differ from the restrictions for long-term lets arranged through a lettings agency, so make sure you check this. * Read the small print to check whether there is a higher excess where the property is to be let, and whether the definition of contents differs from the normal household policy contents definition. * Policies may also specifically exclude high-risk items, which could mean the TV, DVD player, and any paintings left on the wall may not be covered. Peace Of Mind With some careful thought and planning, you can be completely comfortable about inviting a lodger in to share your home -- and your mortgage repayments. And, by making a few simple checks with your lender, your insurer -- and your potential tenant, you can also have the peace of mind of knowing that you are covered in case anything goes wrong. Article reproduced from www.fool.co.uk. Your questions answered Question: I've found a property I want to buy, but the sign says that it is 'Under Offer' - what does this mean? Answer: When you want to buy a property you put in an 'offer'. This offer is for the amount you want to buy the property for. The seller will then either refuse your offer, if they think it's too low, or accept your offer, if they decide to sell to you at that price. At this point a property is considered to be 'Under Offer'. However, between an offer being accepted and the buyer officially becoming the new owner of the property, there are some hurdles to jump. These include getting a mortgage approved, getting a valuation survey, and the conveyancer carrying out land searches (and lots of other stuff). At any of these points the sale could fall through, so the property is not considered 'sold' until contracts are exchanged and the purchase is completed (when the money actually changes hands). Because of these hurdles, Estate Agents and sellers will usually allow further viewings and even consider other offers whilst a property is 'Under Offer', but that is no guarrantee that you would get the property - unless the original sale fell through and the seller decided to consider your offer. Offering a higher price than the other buyer BEFORE their purchase has fallen through of it's own accord is called 'gazumping' and is somewhat frowned upon, but does go on. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Is a good interest rate on savings still possible? Joint Equity Owner News

jointequity — Tuesday 24th of February 2009 05:10:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 24 February 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - is a good interest rate on savings still possible? New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Northwich Property type: Detatched Joint Equity price for 50% ownership: £110,000 About this property: 3 Bedroom Central Heating Dining room Fully double-glazed Garden Kitchen Lounge Single Garage Joint Equity Estate Agent: Frank Marshall's Website: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Is a good interest rate on savings still possible? Well, some savings accounts have interest rates that are plummeting down to 0%, but it's still possible to get relatively good interest rates on that deposit money that you've been saving. New money website www.lovemoney.com (from our friends The Motley Fool) has a great article and comparison chart showing who has the best rates in the current market. Click here for details. Top rate is 3.9% AER, and that's on 1 year deposit, so if you know that you're not going to be ready to buy your property until after that - it could be a good idea. Read the full article to see the list of top payers, and details of top rates on bonds also: http://www.lovemoney.com/news/savings/secure-a-great-savings-rate-now-3143.aspx. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Don't ditch your ISAs - Joint Equity Owner News

jointequity — Tuesday 17th of February 2009 12:20:05 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 17 February 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Don't ditch your ISAs See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Winsford, Cheshire, CW7 Property type: Detatched Joint Equity price: £90,000 for 50% Ownership About this property: This is a detached 2 bedroom house, with: Central Heating Garden Kitchen-Diner Lounge No Chain Single Garage Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Don't ditch your ISAs Are you saving for a deposit? If so, you've probably seen your savings rate take a huge hit in the last few months. Most of us are in the same boat on this, and that's why a lot of people are thinking about cashing in their ISAs - but it's not a good idea. For those that don't know, ISAs are Individual Savings Accounts, and the UK Government allows each of us to save up to £3,600 a year in cash ISAs tax free (there are also share ISAs, but that's a whole different article!). Because of their tax-free status, the rates on ISA savings are usually very competitive - however, as interest rates have dropped, ISA savings rates have dropped too. So, why is it a bad idea to take your money out of an ISA and move it to an alternative savings account? Well, it's like this: if you save anywhere else, you will have to pay tax on any interest earned, which will be at least 20%. Some ISA account have very low interest rates right now (a third of a percent in some cases), but the average rate paid on ISA savings is still 2.05%. Don't forget, low interest rates are not going to last forever either, so when the Bank of England base rate starts to rise again, your savings rates will too. As with most financial decisions, it seems that the key here is to think about your savings in the long term, and not make any snap decisions. Your questions answered Question: I am waiting for the right time to put in an offer on my chosen property, and I've seen in the press that asking prices are starting to rise - does this mean I should buy now? Answer: The important thing is not to make any snap judgements. This is your potential new home we're talking about, not a 6-month rental, so if it's a property you have your heart set on, and you can afford it, go ahead and make an offer. Don't be put off by an increased asking price either. Offer what you think the property is worth - you can always negotiate up the price, but negotiating it down would be nearly impossible! It is true that in some places, sale values are on the increase, however this isn't true for the whole country, and an increased asking price could just be an Estate Agent trying to give the seller more confidence. Play it cool, and make a considered offer. ...and if you've already considered, then the time could well be now. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Property Prices on the rise again? - Joint Equity Owner News

jointequity — Wednesday 11th of February 2009 12:45:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 10 February 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Property prices on the rise again? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Northwich, Cheshire, CW8 3AQ Property type: 3 bed Detatched Joint Equity price: £125,000 for 50% Ownership About this property: An attractive 1930’s detached family home, tucked away in the charming village of Hartford. Hartford is a highly regarded village affording convenient access to the A556 for commuters and having its own main line and local railway station, an important consideration for commuters. Schools in Hartford have an excellent reputation and are available for all ages. In the centre of Hartford stands a Parish Church and good local shopping facilities cater for day-to-day needs. The property stands in a good size plot, viewing is strongly recommended to appreciate the very well presented accommodation with many of the original features. Which in brief comprises of entrance vestibule, entrance hall, cloakroom, lounge, sitting room which is open to the conservatory and then leads into the kitchen. To the first floor there are two double bedrooms, plus a good size single bedroom and family bathroom. The property benefits from gas fired central heating and Upvc double glazing. Externally the property is set back from the road behind a lawned garden with hedged boundaries, driveway and carport, to the rear there is a decked area plus paved patio area. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article House prices on the increase again according to the Halifax The Halifax house prices index rose by 1.9 per cent last month - the first increase since February 2008, when they rose by 0.1 per cent, and the largest monthly rise since January 2007. Additionally, the Financial Times reports that Allan Monks, an economist at JPMorgan, believes a slower pace of price falls in the Halifax and Nationwide indices over the past three months, compared with earlier in the year, points to a possible easing of the housing market. Other data have also shown signs of moderation. There was a 15 per cent rise in mortgage approvals in December, according to the Bank of England, indicating banks have started to lend again. This should now begin to translate into some form of stability as long as unemployment levels do not rise dramatically. New buyer enquiries have also been rising for several months which is a sign of renewed interest in the housing market. So what does this mean for First-Time Buyers? Well, it shows that in some areas, the bottom of the market is likely to have been reached. However, these things don't happen everywhere overnight, so try to compare the property that you are interested in to others of a similar type in similar streets and see what they're doing. For real house price information by postcode, go to www.ourproperty.co.uk, and see what properties have actually been selling for (as opposed to what the asking price was). Your questions answered Question: I am interested in buying a Joint Equity property, but am starting a new job next week, and don’t know whether this will affect my chances of finding an Investor-Partner to help me buy. Answer: A new job is unlikely to put off an Investor-Partner, because it shows that you are pro-active and highly employable (particularly in the current financial climate). However, a new job will affect your Joint Equity mortgage application, as our lenders will ask to see payslips from your employment for either 3, 6 or 12 months (depending on the Joint Equity lender), and this is usually after any probationary period you may have in the role. Don’t let this worry you too much though. You can still start looking for properties, and make an application to The Joint Equity Scheme, so that we can match you with an Investor-Partner for when you are ready to make your purchase. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Has the market reached bottom? Distressed property sales suggest it might have.

jointequity — Tuesday 03rd of February 2009 08:05:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 03 February 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - has the mortgage market reached bottom? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Has the property market reached bottom? Developers are starting to raise prices on distressed housing stock sales, according to investment managers Assetz, which is the first clear early sign that the housing market is reaching the bottom. House prices at auctions also appear to have started to plateau since the New Year. “Distressed” housing is where property sales have been forced, e.g. due to repossession by a mortgage or development loan lender. These are often sold at auction, and many house buyers look at these sales as a chance for a real bargain. Assetz believes the distressed property market has just passed its lowest point, in terms of achieving the lowest possible price for buyers of residential property. Many housebuilders are running out of completed stock, while others are successfully renegotiating their banking covenants, taking some of the pressure away to sell at prices well below cost of build. Future stock will only get built if prices are above cost, which means it will be some considerable time before new supply comes onto the market. House price indices, which show house price falls ranging from 10 - 16% in 2008, will continue to show falls for some months to come, but investors and home buyers should appreciate that these indices are significantly delayed in terms of data capture, by as much as three months. A buyer who waits for two or three consecutive rising months from a house price index, will probably have missed the bottom of the market by at least six months. In addition, the pricing in the distressed market will have improved significantly by the time house prices start to turn up, meaning the bargains available today will be long gone. Stuart Law, Chief Executive of Assetz, comments: "If the distressed property market had a house price index, it would have already reached the bottom and there are clear signs that these prices are beginning to turn upwards. There are multiple bidders for much residential distressed property - an early warning indicator that the wider market trend will change in the near future. Savvy investors know they will secure the best price while consumer sentiment is at its worst, not when the press is reporting a market recovery”. Your questions answered Question: I am looking at properties, but don't know what I can afford to buy with Joint Equity. What should I do? Answer: We get this question a lot, and is why we developed our system of Illustrations and the Owners Area. Our online illustrator allows you to put in your own details and the prices of different properties that you are looking at. You can then choose different levels of ownership and deposit to see what the monthly costs would be and if you have enough deposit for that property in the first place. You can save these illustrations and print them out to compare them side by side and see what options would work out best for you. Using the illustrator, many of our Owners have found out that they can actually afford to own more of the property of their choice (giving them a greater share of any increase in value), or that they can buy a slightly larger or nicer property than they'd first thought. Click here to try it for yourself. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Mortgage lending is on the rise again! Joint Equity Owner News

jointequity — Tuesday 27th of January 2009 05:15:05 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 27 January 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Mortgage lending is on the rise again See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Weaverham, Cheshire Property type: Semi-Detached Joint Equity price: £82,500 for 50% ownership share About this property: 3 Bedroom Central Heating Dining room Garden Kitchen Lounge Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Mortgage lending is on the rise again According to the BBA (British Banking Association) net mortgage lending by banks rose by £2.9 billion in December 2008. We have certainly seen the effects of this increase, as more Joint Equity applications come in, and those Partners go forward to apply for their mortgages. This seems to be a "Good Thing", as although times are still tough for many people and banks are still wary, there is some light at the end of the tunnel for us normal folk who just want to get on with our lives (often including buying our own homes). This upturn in lending is not just confined to British banks, but is also happening with international mortgage lenders as well, according to Fiona Watts of International Private Finance, and so may be more long-lived than some of the doom-mongers would suspect. International lenders have such a big impact on the British mortgage market, because so many of our big banks are now part of larger, international, lending organisations - just look at Abbey National, which is now part of Spanish giant, Santander. So, what does it all mean for you and me? Well, it means that banks are wanting to lend on mortgages, although they're not throwing money at just anybody, and that this is not likely to change overnight, so it is actually worthwhile looking at properties, taking advantage of lower asking prices, and talking to a mortgage broker about your chances of getting a mortgage when you find the right home. Your questions answered Question: I want to buy a home with The Joint Equity Scheme, but can't find a Joint Equity property that suits me. What can I do? Answer: Luckily for you, your choice of properties is not limited to those that Joint Equity Estate Agent Partners have listed under The Joint Equity Scheme. As long as it's within the budget you've calculated using the calculator in our Owners Area, you can buy any property, any where. It doesn't even have to be listed with a Joint Equity Estate Agent Partner at all! So, check out property portals (try www.globrix.com) and find any property within your price range that suits you, then come and talk to us. Simple! ...the only stipulations are the usual ones of survey and mortgage acceptance - which is the same however you're buying your home. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Going to rent a little longer? Don't make these mistakes.

jointequity — Tuesday 20th of January 2009 03:20:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 24 March 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Going to rent a little longer? Don't make these mistakes See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Northwich Property type: 3 bed semi-detached with conservatory Joint Equity price: £125,000 for 50% ownership About this property: A delightful, traditional semi-detached home, viewing is essential to appreciate the well presented and tastefully decorated accommodation, tucked away in the charming village of Hartford. Hartford is a highly regarded village affording convenient access to the A556 for commuters and having its own main line and local railway station, an important consideration for commuters. Schools in Hartford have an excellent reputation and are available for all ages. In the centre of Hartford stands a Parish Church and good local shopping facilities cater for day-to-day needs. The property stands in a good size plot having a lovely private garden to the rear, with ample off road parking to the front as well as a single garage. In brief the accommodation comprises entrance hall, lounge with open fire, dining room, conservatory, kitchen, three bedrooms and a four piece bathroom suite, benefitting from gas fired central heating and Upvc double glazing. Alarm and security lighting. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Going to rent a little longer? Don't make these mistakes. I think it's a good time to buy a property IF you've found the home of your dreams and it's affordable to you (that means sale price, having a decent mortgage, AND having the required deposit of course). However, not everyone wants to buy quite yet, or can buy quite yet, so there's lots of people who are still renting. Although renting a house or flat entails less commitment than buying a home, there's still a lot of problems you could get stuck with if you don't choose the right place, and this great article from www.fool.co.uk spells out exactly what they could be. We're talking issues with rent, deposit, administration fees, council tax, management fees, holding fees (did you know there were this many fees!?), utility costs, whether it's furnished or unfurnished, and of course "nasty surprises"! Almost everyone I know has a rental horror story to share, and so if you know anyone who is looking to rent a new place any time soon, get them to read this article and help to save them from a horror story of their own! Your questions answered Question: I am still living with my parents at the moment, and want to move out soon. I'm going to rent for a little while before buying but I don't know where to start looking for my own flat. Any pointers? Answer: There are lots of places that list rooms, flats or houses to rent - including more estate agents at the present time! Ask at your local estate agents, but also check out www.loot.com, www.gumtree.com and www.flatshare.co.uk. Also ask around your friends, one of them may be thinking of moving out of their rented accomodation soon, and you'll have the advantage of their feedback on the property AND it's landlord before you have to make a decision. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

What does 2009 hold in store for house prices?

jointequity — Tuesday 13th of January 2009 11:10:04 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 13 January 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Winsford Property type: Four bed detached Joint Equity price: £169,500 About this property: A deceptively spacious four bedroom detached family home, the well presented accommodation is spread over three floor and in brief comprises double glazed entrance vestibule, entrance hall, lounge open to dining room, conservatory, good sized fitted kitchen and utility area plus down stairs cloakroom. To the first floor the master bedroom has dressing area and en-suite shower, there are two further bedrooms and family bathroom, to the second floor there is a good size double bedroom. The property benefits from gas fired central heating and Upvc double glazing. Externally the property is set back from the road behind extensive parking leading to single garage. At the rear there is a delightful garden offering a high degree of privacy Joint Equity Estate Agent: Marshall's www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article It's been all over the papers that house prices dropped by record levels in 2008, but that's not very interesting or helpful if you're actually looking ahead and trying to decide whether or not to buy a property in 2009. Let's look into the future a bit and see what this year could hold in store for househunters: Prices will likely go down a little more …but probably not too much over all. In fact, in some areas, they will already be at their lowest point, and this is where your local knowledge will be of benefit to you. Look at what's been happening to the local market in your chosen area. Don't get side-tracked by the talk of national house price trends, because you're not going to buy a national house – you're going to buy one house, on one street, in one town, and it's only the prices there that will make any difference to you. Try not to get distracted by your own greed either. If a house that you plan to live in for the next 5 years has another £5,000 to fall in price, and you can afford that £5,000, then consider buying it now. Remember that the property is going to be your home first, and an investment second, and treat it accordingly. If you can't afford that extra £5,000 then consider my next point… People that really want to sell will consider offers Whether it is at the bottom of the market or not, if you have found a house you want to buy and the vendor really HAS to sell, then they will consider an offer. This doesn't mean that they will definitely accept it, but they will consider it, and then you have started a dialogue. So, unless there is a lot of competition for a particular property, you will probably not lose anything by going in with a low offer, and then negotiating from there. This is true whether the market is on the way down, the way up or is stuck at a plateau. You just have to be prepared for them to say no, and not be too proud to come back with a second offer if you really want the property (or to have some other interesting properties to approach if you don't come to an agreement on this one). First time buyers will return to the market We are seeing first time buyers coming back already, and this is because the deposit money that they have saved will now go a bit further and they're deciding to go for it. This is good news for the property market as a whole, as it is first time buyers who stimulate quite a lot of market growth, and this means that in the long term prices will start to creep up again. Certainly by the end of the year, is my prediction. Your questions answered Question: Can I buy a home through Joint Equity with my parents? Answer: Yes you can in a number of ways. They can loan or give you the deposit. They can buy your Share and let you live in it. (But you must have a formal legal tenancy with them and sign a form for the mortgage lender to say you have no beneficial interest) They can buy with you as Tenants in Common. As always Joint Equity is very flexible. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Why you want to buy your own home. Joint Equity Owner News

jointequity — Tuesday 06th of January 2009 01:40:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 06 January 2009 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers... ...and a Happy New Year! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - why you want to buy your own home See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Long Acre, Northwich Property type: End Terrace Joint Equity price: £124,975 for 50% Ownership About this property: A well presented four bedroom family home, located in a quiet cul-de-sac within the desirable, prestigious area of Delamere Park, offering swimming pool, tennis courts, squash courts, community centre with bar. Close to Delamere Forest. Viewing is essential to appreciate the flexibility the property offers as a family home. In brief the accommodation comprises entrance vestibule, cloakroom, dining room, kitchen, good sized lounge that opens on to the rear garden. To the first floor there are three double bedrooms and family bathroom, with the master bedroom being on the second floor with en-suite shower facilities. Externally there are gardens to the front and rear, the rear garden offering a good degree of privacy and giving access to the detached single garage. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - why you want to buy your own home I just read this great article at fool.co.uk, which explains clearly and succinctly why the British are obsessed with buying their own homes. The answer is that it's because it's so awful to rent in this country - pure and simple! A contrast is made with the situation in Germany where LOTS of people rent their homes. In exchange they get good security (landlords can't kick tenants out), and tenants can personalise their homes because they are let almost bare (normally no lightfittings, and sometimes no kitchen units). In the UK, however, it is as easy for a landlord to force a tenant to move on as it is for a tenant to leave the property, and you often have to live with your landlord's dodgy taste in velour curtains or headache-inducing carpets. When you think about it honestly, you'll probably find that security, stability, and the opportunity to truly make your home your own, are the key reasons that you want to buy your own property. Financial issues are important too, of course, but are actually secondary to the emotional issues for most people. In Germany you can get these things in a rental property, in the the UK you can't. Most Joint Equity Owner-Partners are moving from rented accomodation to Joint Equity purchasing (rather than coming straight from their parent's homes to Joint Equity). They have tried renting and they've had enough. They want stability, security, and a place they can call their own - and the fact that they're getting something for their money doesn't hurt either! Your questions answered Question: I am quite interested in buying a Joint Equity property, but want to know if there is lots of red tape to wade through? Answer: The answer is yes and no. Buying any property involves quite a bit of administration, what with mortgage applications and conveyancing etc. With Joint Equity there are 2 extra steps, as we match you with an Investor-Partner and you must take independent legal advice before signing the Joint Equity Partners Contract. However it's not arduous, as we also have a great team of professional advisors in place to help you through the whole process, from specialist conveyancers to mortgage brokers and estate agents trained in the Joint Equity purchase process. So, it's not nearly as difficult as you think. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Happy Christmas from Joint Equity

jointequity — Tuesday 23rd of December 2008 03:55:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 23 December 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Happy Christmas from Joint Equity! Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! This is Sophie, the Joint Equity Dog, who is all ready for Christmas. We'll be back in the New Year with a normal newsletter, but for now we just want to wish you a Happy Christmas from everyone at Joint Equity HQ. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

How to succeed financially in the current market: be more employable - Joint Equity Owner News

jointequity — Tuesday 16th of December 2008 04:15:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 16 December 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - How to succeed financially in the current market See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - How to succeed financially in the current market: be more employable There's no doubt that it's tough out there at the moment, what with job losses, company closures and banks being nationalised. So, how do you protect yourself from this? The answer is to be more employable, and the Motley Fool tells you how here. For most people, income is related to their job, and in order to have a job in the current market, you need to be more employable than the competition. This is true whether you've just left school, or are an experienced hand. Of course, if you've got your own business, the normal rules won't apply, but it's still true that your business (and therefore you) need to be more attractive than the competition. Fool columnist Serena Cowdy says that the No. 1 way to become more employable is to focus on what employers are looking for in a new employee, and she also cites handy tips for improving your skills base and ensuring that your facebook profile only contains information that you'd want a prospective employer to see! The good new for Joint Equity house hunters is that most of you are in full-time and permanent employment with a great set of experience and transferable skills, so you are more attractive to both Joint Equity mortgage lenders and Joint Equity Investor-Partners. If you have any queries about whether your employment history will affect your Joint Equity mortgage application, just ask Roy, the Joint Equity mortgage broker by emailing roy.bookman@mortgagebeaters.co.uk. He'll be happy to give you the benefit of his experience. Your questions answered Question: I'm looking for a property at the moment, but I don't know whether to wait until the market settles before making an offer. What should I do? Answer: No one else can make your mind up for you on this one. The state of the market varies from county to county, and even within towns and cities, so you will have to use your local knowledge to make the right judgement. However, there are some things to consider in your decision-making process: - what is more important to you, getting the property you want, or buying at the very cheapest price? - you can afford that property now, but what about if interest rates go back up to 6%, 8% or even 10%? - even if you wait for the price to come down even more, how much do you think it will really decrease between now and 6 months time. - what will you be spending on rent between now and 6 months time? Is the total sum more than you would be likely to save by waiting for a price decrease? Take all of the above into account and then see how you feel about that purchase. You may decide to put it off, or you may decide to buy now, but either way the decision will be a better informed one because you have thought about it in another way. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Sunday Times reports upsurge in Property Market - Joint Equity Owner News

jointequity — Tuesday 09th of December 2008 11:50:05 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 09 December 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Sunday Times reports upsurge in property market See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Sunday Times reports upsurge in property market I read with interest in the Sunday Times property section this weekend that some areas of the UK are showing an upsurge in the property market. This is through more activity shown with Estate Agents, as buyers are returning to the market and there is less oversupply. Of course, this upsurge is regional, but it does show that things are starting to change. At Joint Equity, we have seen a similar thing happening, with more and more enquiries every day. Many of these are from the North West of England, but we are getting a good regional spread, which suggests to us that people are at least watching the market again, and planning for their purchase - even if that is going to be later on in the year. Another event that supports the idea of change in the property market is that HSBC are apparently ploughing a whopping £5 Billion into their mortgages to try and take market share from their competitors. It would seem that HSBC must think that the demand is out there again, or they wouldn't be putting up so much money to chase it! Your questions answered Question: I am new to househunting and don't understand a lot of the jargon used by estate agents. Where can I go for help? Answer: The website www.britsandmortar.com has a useful jargon guide which can help you through the minefield. Do have a look at this, and even think about printing it out for future reference so that no one can talk technical rings around you again! Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Is Joint Equity the only one bucking the trend?

jointequity — Tuesday 02nd of December 2008 04:05:05 PM

view this Newsletter online be removed from our mailing list 02 December 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Is Joint Equity the only one bucking the trend? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Is Joint Equity the only one bucking the trend? Amidst all the financial doom and gloom, Joint Equity is seeing an upsurge in applications from First-Time Buyers. Every day we receive more applications through the online Owners Area from people who are keen to buy their own properties using The Joint Equity Scheme. At first sight this is quite surprising - after all, I read only this morning that 23% of mortgage products have been wiped off the market in just the last week. So, why are we getting all these applications? Well, it seems to be down to a few factors: - Firstly, house prices are down. A lot of First-Time Buyers have been waiting for this opportunity, and they are judging the market as being right for them to take a step and get into a better quality of property than they would have been able to afford this time last year. - Secondly, deposits are going further. If you've been saving up for a deposit on a property, that money is worth more now (in percentage of house terms) than it was when property prices were at their peak. So, the saved deposit is more likely to meet the minimum deposit guidelines (10% of your share, in the case of Joint Equity) than it would have done 12 months ago. - Thirdly, people are starting to think rationally about property again. We had all been bombarded by media messages and anecdotes from friends and acquaintances pushing us to think as property purely in investment terms. Of course, property can be a great long term investment, but your first residential property is more importantly your home. Joint Equity never has been about making a quick buck on your property purchase, and we've always stressed that much of the investment in property is in the emotional factors of stability, security and having a 'stake' in your home. We all know that over the long term property prices increase, so if you buy a property and hold on to it for a good length of time before selling, then you will naturally make money on your purchase. There is so much more to it than that however, and feedback from our buyers centres more on the benefits of not having a landlord, than it does on the intention to make money. By the way - we also tell our Investor-Partners to only consider Joint Equity if they want a long term investment, that's what we're about. Whatever the reasons for this upsurge, we're happy. Joint Equity was set up to help people, and to allow those that wished to do so to purchase a long term home for themselves to enjoy. The Joint Equity Scheme is a stepping stone to full home ownership, and we think that it is this promotion of a long term outlook that has allowed us to be where we are today. Your questions answered Question: I am looking at properties, but don't know what I can afford to buy with Joint Equity. What should I do? Answer: We get this question a lot, and is why we developed our system of Illustrations and the Owners Area. Our online illustrator allows you to put in your own details and the prices of different properties that you are looking at. You can then choose different levels of ownership and deposit to see what the monthly costs would be and if you have enough deposit for that property in the first place. You can save these illustrations and print them out to compare them side by side and see what options would work out best for you. Using the illustrator, many of our Owners have found out that they can actually afford to own more of the property of their choice (giving them a greater share of any increase in value), or that they can buy a slightly larger or nicer property than they'd first thought. Click here to try it for yourself. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Is it time to buy? Joint Equity Owner News

jointequity — Tuesday 25th of November 2008 01:35:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 25 November 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Is it time to buy? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Is it time to buy? Neil Faulkener at www.fool.co.uk has written a very interesting article about how now is the time to buy property. He makes the point that the market now is such that shrewd buyers can bargain down prices by as much as 15% to 20%. His negotiating tips are: Tell the seller that their property won’t sell until they massively reduce their prices. No one wants to buy at today’s price when they know it’ll fall further in value. Point also to Nationwide’s forecast of a further 15% fall. (Yes, it’s more like 12%, but it won’t hurt you to round up!) If the area you’re buying in is suffering less than average price falls, you can still say the above. If the seller brings it up, you’ll at least have started from a strong negotiating position. If the area you're buying in has seen greater than average declines, you should insist on an even bigger reduction. Remember that many sellers may still be trying to sell at last year’s prices instead of next year’s as they should be. They're living in a dream world, so do your research before making an offer. Don't be timid in how you phrase the above. Tell the seller (or agent) that your price must be met or there will be no sale. These are all great tips and if you are in a bargaining mood, there are some bargains to be had, so happy house-hunting! Your questions answered Question: I am new to househunting and don't understand a lot of the jargon used by estate agents. Where can I go for help? Answer: The website www.britsandmortar.com has a useful jargon guide which can help you through the minefield. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Joint Equity Owner News

jointequity — Tuesday 18th of November 2008 01:35:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 17 November 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Make money from your spare room See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Adlington Drive, Northwich, Cheshire CW9 Property type: End Terrace Joint Equity price: £67,250 for 50% ownership About this property: A delightful end terraced property, viewing is essential to appreciate the tastefully decorated and well presented accommodation, which in brief comprises entrance vestibule, entrance hall, lounge, modern fitted kitchen diner, two double bedrooms and modern ivory bathroom. Externally there is a lovely garden to the rear, with patio area, brick built barbeque and summer house. To the front there is off road parking. The property benefits from gas fired central heating and Upvc double glazing. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Make some money from your spare room With the credit crunch in mind, I was going to write an article this week about how to rent out your spare room to make some extra cash. So, I started doing my research and found that The Motley Fool had already published one last week. So, without further ado, here's a fab article from Esther Shaw at www.fool.co.uk. (Original article is available here: http://www.fool.co.uk/news/property-home/2008/11/14/make-4250-tax-free-from-your-spare-room.aspx) Make your spare room make you money: get a lodger! The idea of getting a stranger to share your home with you may not be the most appealing prospect, and yet in the current uncertain climate with income being squeezed in so many ways, more and more of us are taking in a lodger to help out financially. New findings from insurer Legal & General show an additional 27,000 homeowners took in a lodger over the past 12 months in a bid to earn some extra money and beat the credit crunch. And, given that the average monthly asking price is £289, according to Abbey Mortgages -- which tots up to £3,468 per year -- the figures soon stack up. Choosing Your Lodger But while more than 18 million homeowners have at least one currently uninhabited spare bedroom, the decision to take in a lodger is not one to take lightly. After all, for most of us, home is a place to escape to. So opening it up to a tenant may present a whole host of problems. The key is to be selective and to vet potential candidates carefully so that you end up with someone who fits in with you, your interests and your lifestyle. If you advertise -- using a website like Gumtree for example -- make sure you focus on the facts, such as the details of the room and the terms of the tenancy. Set up interviews with prospective tenants, and if you’re not sure after the first meeting, don't be afraid of calling them back for a second meeting. Ensure your prospective lodger provides references -- and potentially also details of his or her rental history -- as this will help you get a clearer idea about your lodger’s character. While there is no legal requirement to have a written agreement between you and your lodger, it is highly recommended you have one drawn up. This agreement should include the amount of rent, the frequency of rent payments, how long until the payment amount is to be reviewed, any services you may want to provide, the notice period, and share of household bills, and the all-important house rules. For more information go to the National Landlords Association. Share The Mortgage The main benefit of taking in a lodger is the fact you can don't have to tackle the whole mortgage on your own. This can be of real benefit to single buyers or couples who purchase a two-bedroom property and who can then use the extra income to help out with mortgage repayments. And, in some cases, where family finances are reaching breaking point, this could even keep the bailiffs from the door. However, it's worth noting that while the vast majority of lenders allow you to take in a lodger with the minimum of hassle, it's worth checking your lender's terms and conditions. Tax-Free Incentives Another advantage of renting out a room is the fact it is tax-efficient, as you can receive up to £4,250 tax-free gross rental income a year under the Government's Rent A Room scheme. Rent A Room is an optional exemption scheme that lets you receive income from renting furnished accommodation in your only or main home. Review Your Insurance * You must tell your home and buildings insurer if you are planning to rent out a room. Failure to do so could result in any cover that is in place being declared void. This could leave you in serious difficulty if there is a fire or your home is destroyed. * An insurer will normally apply restrictions to the policy cover -- vandalism and malicious damage caused by the tenant may be excluded, for example. Also note that theft cover only includes losses where there is evidence of forcible entry or exit to the property, so you will not be covered if your lodger simply walks away with an item. * As many home contents policies will only generally cover for the possessions of the homeowner and family, tenants will need to arrange their own household contents insurance. * For an additional premium, some companies may still be prepared to offer cover for accidental damage. This could be useful if the new tenant has a party and spills drinks on the sofa or carpets, say. * Note that restrictions for short-term lets arranged through friends could differ from the restrictions for long-term lets arranged through a lettings agency, so make sure you check this. * Read the small print to check whether there is a higher excess where the property is to be let, and whether the definition of contents differs from the normal household policy contents definition. * Policies may also specifically exclude high-risk items, which could mean the TV, DVD player, and any paintings left on the wall may not be covered. Peace Of Mind With some careful thought and planning, you can be completely comfortable about inviting a lodger in to share your home -- and your mortgage repayments. And, by making a few simple checks with your lender, your insurer -- and your potential tenant, you can also have the peace of mind of knowing that you are covered in case anything goes wrong. Article reproduced from www.fool.co.uk. Your questions answered Question: I've found a property I want to buy, but the sign says that it is 'Under Offer' - what does this mean? Answer: When you want to buy a property you put in an 'offer'. This offer is for the amount you want to buy the property for. The seller will then either refuse your offer, if they think it's too low, or accept your offer, if they decide to sell to you at that price. At this point a property is considered to be 'Under Offer'. However, between an offer being accepted and the buyer officially becoming the new owner of the property, there are some hurdles to jump. These include getting a mortgage approved, getting a valuation survey, and the conveyancer carrying out land searches (and lots of other stuff). At any of these points the sale could fall through, so the property is not considered 'sold' until contracts are exchanged and the purchase is completed (when the money actually changes hands). Because of these hurdles, Estate Agents and sellers will usually allow further viewings and even consider other offers whilst a property is 'Under Offer', but that is no guarrantee that you would get the property - unless the original sale fell through and the seller decided to consider your offer. Offering a higher price than the other buyer BEFORE their purchase has fallen through of it's own accord is called 'gazumping' and is somewhat frowned upon, but does go on. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Base rates are slashed, but what about house prices? Joint Equity Owner News

jointequity — Tuesday 11th of November 2008 01:00:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 11 November 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Base Rates are slashed, but what about House Prices? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: New Mills, SK22 Property type: 4 bedrooms. Semi-detached Joint Equity price: £125,000 for 50% Ownership Share About this property: A deceptively spacious split level semi-detached house offering versatile living accommodation and presented to a high standard by the present owners. Built to a high specification the property benefits from gas fired central heating and uPVC double glazing. 4 Bedroom Balcony En-Suite Shower room Single Garage Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Base Rates are slashed, but what about House Prices? Unless you have been unconscious for the last week, you will have noticed that the news is full of the dramatic cut in the Bank of England Base Rate of Interest. Is this really as big a deal as is being suggested? Well, yes it is. I certainly don't ever remember the interest rate being this low, and there is a huge knock-on effect on mortgage rates, savings interest rates, and business loans, so the effect on our economy as a whole is fairly significant. N.B. A quick note on the issue of savings. If you are saving for a deposit at the moment, and you have just seen your interest rate plummet, consider locking your savings away for 12months or more to gain a higher rate. Have a look at www.moneysavingexpert.com for details on the best long term savings accounts. The thing that all house-hunters want to know is "what about house prices!?". Are they going to go up, going to go down even further, or stay where they are? The Motley Fool (www.fool.co.uk) has a interesting article about this, and suggests that prices may go down even further. To summarise the main points from the Fool article: - HBOS reports that property prices have dropped to 2005 levels. - the average UK property now costs £168,176. - Due to the long-term average House Price To Earnings Ratio (how many times a household's income the house price is), we are still way above the average, and during property price crashes, this ratio tends to be overshot by a considerable amount. All the above points seem perfectly valid, I'm sure you'll agree. However, my opinion is that other factors will have an impact, meaning that the Fool's prediction may not come true. The chief of these other factors is simply consumer confidence and behaviour. If buyers decide to return to the market, then house prices will stop falling - it's as simple as that. Anecdotal evidence from our JEEAPs (Joint Equity Estate Agent Partners) and a key West London Estate Agent suggest that first-time buyers are already coming back to them, as they have decided that prices are already low enough and they want to bag the properties of their choice right now. This is further bourne up by the increase in Joint Equity Illustrations being done by potential Owner Parnters in our Owners Area, so it doesn't appear to be all doom and gloom from here! What do you think about the outlook for house prices? Let us know. Your questions answered Question: Do I have to have found a property before I get in touch with Joint Equity? Answer: Simple answer: No! In fact, it's hard to know what sort of properties you could be looking for if you haven't gotten in touch with us, so please do have a look at our Owners Area to do a personal illustration and figure out what you are likely to be able to afford. Then email us with any specific questions, and we'll be happy to help. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Watch out for energy companies! Joint Equity Owner News

jointequity — Tuesday 04th of November 2008 11:50:04 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 04 November 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - watch out for energy companies! See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Adlington Drive, Northwich, Cheshire CW9 Property type: End Terrace Joint Equity price: £67,250 for 50% ownership About this property: A delightful end terraced property, viewing is essential to appreciate the tastefully decorated and well presented accommodation, which in brief comprises entrance vestibule, entrance hall, lounge, modern fitted kitchen diner, two double bedrooms and modern ivory bathroom. Externally there is a lovely garden to the rear, with patio area, brick built barbeque and summer house. To the front there is off road parking. The property benefits from gas fired central heating and Upvc double glazing. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Watch out for energy companies! In these uncertain financial times, we're all watching our outgoing costs, and whether you're renting or buying, energy costs are a biggie, but you also want to get decent customer service from your energy supplier too. In this article from Joint Equity favourites, The Motley Fool, Rachel Robson talks about the 2 key issues of energy bills AND customer service from energy companies. She makes the point that in terms of customer service, energy suppliers are actually performing worse than a year ago, according to a JD Power & Associates customer survey. Robson goes on to tell us who the best suppliers are in terms of customer service: "Scottish and Southern Energy (which trades as Scottish Hydro Electric, Southern Electric and SWALEC) ranks highest among both gas and electricity suppliers, performing particularly well in the areas of supply quality and reliability, price and value, image, billing and payment, and customer service. ScottishPower comes a close second in the gas supplier rankings, with E.ON in third place. For electricity, EDF Energy has been ranked in second place, with E.ON a close third." In conclusion, Rachel cites fellow Fool columnist, Neil Faulkner, who states that energy prices should be coming down again in six months or so. However, electricity prices in particular may rise even more before then. Of course, I'm pretty sure that the majority of UK households could negate the price increases they're seeing by switching tariffs to cheaper providers and practicing a more low-energy lifestyle at home. Just switching off unnecessary lights and appliances can make a huge difference - and there's lots of information out there on the internet to help you work out how. Romantic candle-lit meal, anybody?! Your questions answered Question: I have heard a lot in the news about mortgages being unavailable to many at the moment. Is this true with The Joint Equity Scheme? Answer: No, it's not true of The Joint Equity Scheme. Not only do we still have mortgages available from our existing lenders, but we are also in negotiation with a new, high street, lender who wishes to provide mortgages for Joint Equity Scheme Partners. If you would like to know what you can afford under The Joint Equity Scheme, then go to http://owners.jointequity.com, and create your own Illustration. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Is Joint Equity the only one bucking the trend?

jointequity — Tuesday 28th of October 2008 01:00:06 PM

view this Newsletter online be removed from our mailing list 28 October 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Is Joint Equity the only one bucking the trend? See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Knutsford, Cheshire Property type: End-Terrace Joint Equity price: £77,500 for 50% ownership share About this property: Located a short distance from Knutsford town centre this well presented and well maintained two bedroom end terraced house benefits from a recently re-fitted kitchen and bathroom. The property is warmed by gas central heating and double glazing and briefly comprises entrance hall, lounge, kitchen/diner, two bedrooms and bathroom. Externally there are gardens to the front and rear. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Is Joint Equity the only one bucking the trend? Amidst all the financial doom and gloom, Joint Equity is seeing an upsurge in applications from First-Time Buyers. Every day we receive more applications through the online Owners Area from people who are keen to buy their own properties using The Joint Equity Scheme. At first sight this is quite surprising - after all, I read only this morning that 23% of mortgage products have been wiped off the market in just the last week. So, why are we getting all these applications? Well, it seems to be down to a few factors: - Firstly, house prices are down. A lot of First-Time Buyers have been waiting for this opportunity, and they are judging the market as being right for them to take a step and get into a better quality of property than they would have been able to afford this time last year. - Secondly, deposits are going further. If you've been saving up for a deposit on a property, that money is worth more now (in percentage of house terms) than it was when property prices were at their peak. So, the saved deposit is more likely to meet the minimum deposit guidelines (10% of your share, in the case of Joint Equity) than it would have done 12 months ago. - Thirdly, people are starting to think rationally about property again. We had all been bombarded by media messages and anecdotes from friends and acquaintances pushing us to think as property purely in investment terms. Of course, property can be a great long term investment, but your first residential property is more importantly your home. Joint Equity never has been about making a quick buck on your property purchase, and we've always stressed that much of the investment in property is in the emotional factors of stability, security and having a 'stake' in your home. We all know that over the long term property prices increase, so if you buy a property and hold on to it for a good length of time before selling, then you will naturally make money on your purchase. There is so much more to it than that however, and feedback from our buyers centres more on the benefits of not having a landlord, than it does on the intention to make money. By the way - we also tell our Investor-Partners to only consider Joint Equity if they want a long term investment, that's what we're about. Whatever the reasons for this upsurge, we're happy. Joint Equity was set up to help people, and to allow those that wished to do so to purchase a long term home for themselves to enjoy. The Joint Equity Scheme is a stepping stone to full home ownership, and we think that it is this promotion of a long term outlook that has allowed us to be where we are today. Your questions answered Question: I am looking at properties, but don't know what I can afford to buy with Joint Equity. What should I do? Answer: We get this question a lot, and is why we developed our system of Illustrations and the Owners Area. Our online illustrator allows you to put in your own details and the prices of different properties that you are looking at. You can then choose different levels of ownership and deposit to see what the monthly costs would be and if you have enough deposit for that property in the first place. You can save these illustrations and print them out to compare them side by side and see what options would work out best for you. Using the illustrator, many of our Owners have found out that they can actually afford to own more of the property of their choice (giving them a greater share of any increase in value), or that they can buy a slightly larger or nicer property than they'd first thought. Click here to try it for yourself. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Get ready for mortgage rate reductions! News for Joint Equity

jointequity — Tuesday 21st of October 2008 03:05:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 21 October 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article: Prepare for mortgage rate reductions! See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Buxton, Derbyshire Property type: End Terrace Joint Equity price: £85,000 for 50% Ownership About this property: - 2 Bedrooms - Conservatory - Garden - Lovely interior Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article Like many of us, you’ve probably been looking at the Bank of England interest rate (the “base rate”) and wondering why mortgage rates are still staying high when the base rate has been coming down. Well, it’s because mortgage rates are not usually directly tied to the base rate (unless you have a tracker mortgage). They are normally more closely linked to LIBOR, which is the London Inter-Bank Offer Rate. LIBOR governs the interest rate at which banks lend to each other, and as most mortgage funding is provided through inter-bank lending, it is LIBOR and not the Bank of England base rate that has the most impact on mortgage interest rates. The good news is that LIBOR has just come down, so what we will soon see (keep your fingers crossed!) is a lowering of interest rates on mortgages across the board. Hurrah for LIBOR! Coincidentally, although mortgage rates haven't come down quite yet, we're already seeing a lot more Illustrations being done in our Owners Area, and more people are asking to purchase the property of their choice through The Joint Equity Scheme. Your questions answered Question: I've found a property I want to buy, but the sign says that it is 'Under Offer' - what does this mean? Answer: When you want to buy a property you put in an 'offer'. This offer is for the amount you want to buy the property for. The seller will then either refuse your offer, if they think it's too low, or accept your offer, if they decide to sell to you at that price. At this point a property is considered to be 'Under Offer'. However, between an offer being accepted and the buyer officially becoming the new owner of the property, there are some hurdles to jump. These include getting a mortgage approved, getting a valuation survey, and the conveyancer carrying out land searches (and lots of other stuff). At any of these points the sale could fall through, so the property is not considered 'sold' until contracts are exchanged and the purchase is completed (when the money actually changes hands). Because of these hurdles, Estate Agents and sellers will usually allow further viewings and even consider other offers whilst a property is 'Under Offer', but that is no guarrantee that you would get the property - unless the original sale fell through and the seller decided to consider your offer. Offering a higher price than the other buyer BEFORE their purchase has fallen through of it's own accord is called 'gazumping' and is somewhat frowned upon, but does go on. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

New lender for Joint Equity - better rates & lower deposits

jointequity — Tuesday 14th of October 2008 11:50:07 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 14 October 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article: New Lender for Joint Equity! See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Detached house in Buxton, Derbyshire. Location: Buxton, Derbyshire Property type: Detached Joint Equity price: £114.975 for 50% share About this property: Well presented, extended detached family home located in this popular residential area. The property offers well proportioned accommodation throughout, in particular the ground floor accommodation which has been considerably extended to the rear. Benefiting from gas fired central heating and uPVC double glazing throughout, the property has a garden to the front and a low maintenance, attractive decked area to the rear. The house is situated away from the roadside and overlooks a grassed area with trees to the front. Purchasers are asked to note that there is also a single garage which is situated outside the boundary of the property. Internal viewing is highly recommended to fully appreciate the deceptively spacious accommodation. Joint Equity Estate Agent: //www.frankmarshall.co.uk/ How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article Despite all the doom and gloom surrounding the financial markets, at Joint Equity we've actually had some GOOD news. We are in the final stages of negotiation with a high street lender to offer our Owner and Investor Partners a better mortgage deal. We're talking 10% deposit (and remember, that's 10% of your share), and interest rates of 5.5%! We are in the process of changing the online illustration calculator to reflect this, so in the next couple of days you will be able to see what your payments could be like under the new interest rate and deposit amount for yourself. So, watch this space. We'll be releasing more details as and when they become available. Your questions answered Question: I have been saving for a deposit on a home of my own, but I'm worried about how safe it is because of all the news about banks being bailed out. What should I do? Answer: The first answer is don't panic. If you have less than £50,000 in any one bank account it is protected by the Government's guarantee. If you have more than that saved in any one account (or in one or more accounts with the same bank), some of your money may be at risk. Check a site like www.moneysavingexpert.com to see the full details. As we are not registered to provide financial advice, it may be worth putting your question to a registered IFA. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

House prices havent crashed - yet! Joint Equity Owner News

jointequity — Tuesday 07th of October 2008 12:30:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 07 October 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - House prices haven't crashed - Yet! See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Leftwich, CW8 Property type: End Terrace. 3 bedrooms. Joint Equity price: £99,975 for 50% Ownership About this property: Offering spacious accomm. this end terr. has Gas c/h, d/g, driveway with ample parking, garage/workshop, study/office, landscaped garden. Briefly: ent porch, ent hall, 2 recep rooms, kitchen/diner, utility, cloakroom. 1st floor, 3 beds one with a shower cubicle along with a family bathroom. In brief, the accommodation comprises: entrance porch, entrance hall, two reception rooms, kitchen/diner, utility & cloakroom on the ground floor. Whilst on the first floor there are three bedrooms (one with a shower cubicle) along with a separate family bathroom. Leftwich lies between the River Weaver and the River Dane, only a mile south of Northwich Town Centre and offers easy access to the A556 for commuters. The Salt Museum is nearby and other amenities include schools for all ages, an art college and shops of a local nature. Northwich provides a comprehensive range of shopping, leisure and recreational pursuits. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article: House Prices haven't crashed - yet! ...but will they? Here’s another well written and though provoking article from The Motley Fool. What Harvey Jones is saying is that the numbers that we hear bandied about in the media are not accurate, because they come from particular sources (e.g. Nationwide, who use only their own mortgage lending as a basis – not the Land Registry, for example), and those particular sources are subject to specific conditions that slant their results one way. The actual situation is not so bad at all, and the article gives some anecdotal evidence to support this, and you could probably come up with some yourself too. Harvey’s conclusion is that the market is frozen at the moment and we are hanging in mid-air like Wiley Coyote when he steps off a cliff – and just before he plummets to the ground. Do you think the market IS going to plummet though? I don’t. I think we might see a little downwards quirk (which will probably have more to do with unemployment rates than anything else), but I think that things have now pretty much come to a stop, and that the market will stay flat for a while, and then slowly start to creep up again around Easter time next year. It might take a bit longer and I wouldn’t bet my shirt on it, but that’s my gut feeling. I’d like to know what you think the market is going to do – email me your thoughts here. I’ll publish the best responses in a future newsletter. Your questions answered Question: I would like to buy a Joint Equity property, but am not ready yet. Is it okay for me to just keep receiving the newsletters? Answer: Yes, of course you’re welcome to keep reading our Owner Newsletter. We’re very happy that you want to keep up to date. There’s no pressure at all for you to buy until you’re ready, and you are welcome to get our newsletters, ask us questions, and do your own Illustrations for as long as you want. The only thing to bear in mind is that our terms, interest rates, and conditions may change between the time that you first read about something on our site or in our newsletter, and when you come to buy your Joint Equity property. So, just make sure that you are using an up-to-date Illustration and information when you are ready to buy. If you are unsure whether your information is current, you can just email us for clarification. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please let us know: Delete me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

New Estate Agent - New Properties! Joint Equity Owner News

jointequity — Tuesday 30th of September 2008 01:35:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 30 September 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - New Estate Agent on the Block See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! 3 Bed, End Mews property in Knutsford. £84,975 for 50% Ownership Share. Location: Knutsford Property type: End-Mews Joint Equity price: £84,975 for 50% Ownership Share About this property: Marshalls are delighted to bring to the market place this very appealing and much improved three bedroom end mews property, located in a popular residential area of Knutsford. Occupying large gardens, which provide ample room for further extension subject to the relevant planning permissions being obtained, the property has been the subject of thorough modernisation over recent years, and is now offered in excellent order throughout. The property benefits from uPVC double-glazing and gas central heating and has a driveway to the front providing off-road parking. Although the accommodation is listed in greater detail below, in brief it comprises: entrance hall, refitted kitchen, lounge, dining room to the ground floor whilst to the first floor are three bedrooms and a bathroom with w.c.. Outside, as previously referred to, the property has large lawned gardens and a patio area whilst to the front there are smaller gardens and the property’s driveway. Joint Equity Estate Agent: www.frankmarshall.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - New Estate Agent on the Block We’re really happy to welcome Frank Marshall to the Joint Equity team. Frank Marshall are a small, friendly and professional Estate Agency chain who pride themselves on being the local and regional experts in their area, which covers Buxton, Chelford, Knutsford, Macclesfield, Northwich and Wigan. They are as excited about becoming Joint Equity Estate Agent Partners as we are to have them on the team, and have been busy registering lots of properties with us already. Please visit their website: www.frankmarshall.co.uk and see what Frank Marshall have to offer. Your questions answered Question: I am reading a lot in the papers at the moment about problems with the banks not giving mortgages. Does Joint Equity still have mortgages available? Answer: Yes, we do still have mortgages available. It must be said that even our lenders are asking for a 20% deposit these days, but remember – that’s 20% of your share of the property. You do not have to find 20% of the whole price of the property. Also, with the prices of properties today being lower than this time last year, 20% is not as large a sum of money as it was. Use the Owners Area to do an Illustration and find out what your deposit amount would be for your ideal Joint Equity property. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Fiind out if your partner's credit rating will affect you : Joint Equity Owner News

jointequity — Tuesday 23rd of September 2008 05:30:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 23 September 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - find out if your partner's credit rating will affect you See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Stoney Stanton Property type: Semi-Detached Joint Equity price: £95,000 About this property: Personal Touch Homes are delighted to offer for sale this three bedroom semi-detached property located in the popular village of Stoney Stanton. To summarise the property briefly comprises of; entrance hallway, lounge, breakfast kitchen, conservatory, three bedrooms and family bathroom. The rear of the property is mainly laid to lawn with a pebbled area and a decked patio. To the front of the property is a garage and driveway for several cars with a paved pathway and lawned area also. Viewing advised to fully appreciate the accomodation on offer. Joint Equity Estate Agent: www.personaltouchhomes.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article The green shoots of change seem to be poking their heads out of the soil of financial despondency, with many commentators saying that the worst of the credit crunch is now behind us. That’s an optimistic outlook, but it does mean that there are a few more people out there house-hunting now. However, what some people are discovering is that their credit scores may have been affected by recent events – and also the actions of their partners! This is particularly relevant if you’re planning to buy a home together of course. I saw a great article today on The Motley Fool’s website by Szu Ping Chan, about how to stop your partner ruining your credit rating (full article). In summary, Szu says that just living with someone will not necessarily tie their bad finances to yours, as there is no ‘financial association’. So what does constitute a financial association? Well, anything that includes a joint credit agreement (this could be a mortgage, current account or loan). If your partner does have credit rating issues, it is possible to keep your financial lives separate, but you have to be careful to ensure this does happen. Read the full Fool article here Your questions answered Question: Is it true that I won’t have to pay the full asking price if I buy a property in the current market? Answer: Probably not! If you find a property that you want to buy, you can put in any offer you like. At the current state of the market, most sellers will consider most offers. However, if you go in too low, you run the risk of losing the property. As with most things, the rule of thumb is to offer what you think the property is genuinely worth to get your offer seriously considered. E.g. You might be offering 25% less than the current asking price. This is likely to get your offer at least looked at. However, if you offer only half the asking price, most sellers will tell you where to go and then make you work much harder to regain their interest. So, if you really like the property, make a reasonable offer, and see how it goes. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Counteract the credit crunch! New properties from Joint Equity. Your Questions Answered.

jointequity — Tuesday 16th of September 2008 11:15:05 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 16 September 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article: Counteract the credit crunch See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! A well presented and recently updated three bedroom mid terrace property situated in Wyken Coventry 50% investment £74,499 Location: Wyken, Coventry Property type: 3 bed terrace Joint Equity price: £74,499 for 50% equity About this property: A well presented and recently updated three bedroom mid terrace property situated in Wyken. The property is offered for sale with double glazing and gas fired central heating. It comprises in further detail of entrance hall, lounge, dining area and extended kitchen to the ground floor. To the first floor are three bedrooms and bathroom. To the rear is an enclosed garden and detached double width garage. Viewing recommended. Joint Equity Estate Agent: Personal Touch Homes (website) How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article This weeks article is a great one from The Motley Fool's Cliff D'Arcy: 5 ways to counteract the credit crunch! I will tell you now that none of it is rocket science, but if we all applied the sound suggestions in this article, we'd probably all be a LOT better off now and in the coming months. Cliff's premise is simple. Look at 5 key areas, do what you can, and you'll be able to save and rely less on credit: 1. Get better at budgeting. 2. Don't pay excess interest and fees on your mortgage (if you have one!). 3. Reduce your borrowing on credit cards etc. 4. Make sure you're not paying too much in insurance premiums. 5. Make the most of your savings. Clever Cliff! Sometimes we need to hear the obvious things again to bring them into focus. I have recently enacted Step 4 - insurance premiums - myself, and just knowing that I've saved some money there makes me feel much better. Your questions answered Question: I want to redecorate my Joint Equity home - can my Investor-Partner stop me? Answer: No. Your Joint Equity property is your home. You can redecorate as frequently as you like. You can also put up shelves or even make major alterations if you wish, and it is only if an alteration is major that you have to check (through Joint Equity Ltd) that your Investor-Partner has no objections. Your Investor-Partner cannot withold permission unreasonably, and may even wish to help with the cost of your alteration, if they think it will improve the value of the property. Redecorating is not a 'major alteration' of course, but it might make you very happy indeed, so if you want to do it, just go ahead! Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Some Estate Agents will go to great lengths for you - Joint Equity Owner News

jointequity — Tuesday 09th of September 2008 06:10:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 09 September 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - Some Estate Agents will go to great lengths for you! See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! 2 bedroom appartment in new development - Barwell Location: Barwell, LE9 8GF Property type: Flat Joint Equity price for 50% ownership: £70,425 About this property: Personal Touch Homes are delighted to offer for sale this two bedroom apartment located in a new development in Barwell. To summarise the property comprises; ground floor entrance hallway, first floor reception hall, lounge, kitchen, shower room and bedroom two. To the second floor is a study area and the master bedroom with en-suite. The outside of the property offers two sheltered parking spaces and communal gardens. In our opinion the property must be viewed in order to fully appreciate the size and standard. Joint Equity Estate Agent: Personal Touch Homes Website: click here Telephone: 01455 615556 How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - Some Estate Agents will go to great lengths for you! This morning I met up with an Estate Agent who told me that he provided his customers with a special service. Hmm, I thought - lots of people claim to be 'different' I'd like to see this substantiated. The chap went on to describe some things that really are special. For example, they offer their buyers and sellers complementary membership of a personal concierge service, to help take the stress away when you're going through the home moving process. This is great, and genuinely useful too, but it's not the only thing they do for their customers, and they're not the only Estate Agent that will work very hard to get your business in the current market. Because not many people are buying properties right now, Estate Agents are doing more, and offering better deals, in order to get sales. Of course Joint Equity Estate Agents are selected for having excellent customer service, but if you're looking for a property from other Estate Agents, find out what they can do to make the moving process easier for you as part of your search. Your questions answered Question: I know there's a credit crunch on at the moment - will I still be able to get a Joint Equity mortgage? Answer: Joint Equity still has mortgage lenders available who are offering mortgages to Joint Equity buyers. It is best to use our Illustrator in the Joint Equity Owners Area to check that your financial profile matches up with our mortgage requirements, but if you could get a mortgage with us before the crunch, you can probably still get one now. The only real difference for us is that the required deposit amounts for some lenders has gone up. However, remember that this is shared with your Investor Partner according to your ownership shares, so don't assume that you can or can't afford it - check instead. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

No Stamp Duty below �175k - but only for one year! Joint Equity Onwer News

jointequity — Tuesday 02nd of September 2008 08:16:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 02 September 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article - No Stamp Duty below £175,000 See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Bradwell Village, OX18 4XQ Property type: 2 bed terrace Joint Equity price: £92,500 for 50% About this property: Immaculately presented 2 bedroom terrace with single garage in lovely village. Must be seen to be fully appreciated. Joint Equity Estate Agent: www.wychwoods.com How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for?: No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article For one year only! Stamp Duty abolished on properties below £175,000. It’s great news for property buyers, but only if you’re planning to buy soon. The Government, after weeks of to-ing and fro-ing, has decided to eliminate stamp duty on properties of less than £175,000 – but only for one year. What does this mean for aspiring Joint Equity Owners? Well, it means that you will save up to £800 on your purchase costs as normally we’d share the cost between you and your Investor-Partner. What about people looking at properties of over £175,000? It’s still not too bad, if you buy with Joint Equity, because the cost is shared by the Owner and Investor in proportion to their ownership shares. For more information on the stamp duty reduction see the BBC’s report here. Your questions answered Question: I expressed interest in the Joint Equity Scheme over a year ago. I’ve now found a property I like, can I just jump in where I left off? Answer: Just about! We don’t mind how long our Partners take to find the right property for them. It’s an important decision and shouldn’t be rushed into. If you have a Joint Equity Illustration that is over a year old, you will need to get a new one for the property that you’ve found to make sure that the numbers still stack up for you. You can do this at http://owners.jointequity.com (if you haven’t already done so). Just log in, create your free account, and then follow the prompts on screen. As soon as you’ve done this, just click the ‘make application’ button next to your chosen Illustration and we’ll be able to start the purchase process with you. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

How to avoid the doom and gloom : Joint Equity Owner News

jointequity — Tuesday 26th of August 2008 11:40:04 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 26 August 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Lovely semi-detached house in Fullbrook, Oxfordshire. £97,500 for 50% Ownership Location: Fullbrook, OX18 Property type: 3 bedroom, Semi-detached house Joint Equity price: £97,500 for 50% ownership About this property: End-terrace 3 Bedroom Lounge-Diner Single Garage Lovely garden Joint Equity Estate Agent: Wychwoods - see website for more information. How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article - it's all doom and gloom, but can we avoid it? Here's the article that I pulled out to share with you this morning: "A report by uSwitch.com into the nation's disposable income shows consumers have £2,500 (15%) less household disposable income than in 2007. This is a rise of just 21% since 1997 against a gross household income rise of 54%, and shows the extent of Britons' rapidly declining spending power in the last 12 months since the start of the credit crunch. The 15% shock fall in disposable income over the last 12 months is unprecedented, according to uSwitch. Disposable income now represents just 28% of gross household income, compared to 35% in 2007. The rapid decline is attributed to essential living costs soaring at their fastest rate since records began, while rises in tax and social contributions have eaten into net income, which, as a proportion of gross income, has fallen 0.5% in the last year alone. This July has seen unemployment surging at its fastest rate in 16 years and wage growth the weakest in five years. uSwitch.com figures reveal that a 9 million (35%) of us are not getting a pay rise this year. Of those who are, 77% expect 4.5% or below and 74% expect 4% or below. With rises of just 2.8%, 2.45% and 2.2% respectively, manufacturing workers, teachers and prison officers will have even less in their pockets to cope with soaring bills. That the cost of living is spiralling upwards is particularly bad news for the UK's poorest households. The number of people earning below the 40% national average household income threshold is at its highest since records began in 1979. There are now 5.6 million living below the 40% threshold, compared to 1.3 million at the end of the '70s. uSwitch.com's study also reveals huge disparities in disposable income between UK towns and cities. While some parts of the country spend just 30% of their net income on household bills, others see over twice as much disappearing on their essentials. Some consumers are seeing up to 80% of net income being eaten up by household bills." Article from MortgageIntroducer.com This all means that many of us are wanting to cut down on our spending - although that doesn't neccesarily mean doing without. Here's a couple of great resources that can help: www.uSwitch.com uSwitch helps you compare the prices of regular bills for your home, and find the cheapest supplier. You can also search by green tariffs and combined gas & electricity as well. www.MoneySavingExpert.com Money Saving Expert is really the daddy of all money sites (in my humble opinion). It is completely unbiased and ALL about consumer action. Martin Lewis who created the site is a real expert on saving without scrimping, and the discussion forum is a great resource too. Sign up for his weekly MoneyTips email which is free and full of hot offers. www.MoneySupermarket.com Money Supermarket is not independent (i.e. the companies featured on it pay to be there), but it is pretty good for comparing all sorts of products from car insurance to savings accounts. www.EverydayCheapskate.com This is an American site with a free daily tips email. Some of the information is specific to the USA and their accounting/tax practices, however most of the advice is applicable here to. There's also some good old fashioned 'thrift' tips. www.eBay.co.uk eBay is not just the place to get rid of your old junk (although that's a great idea if you want to free up some cash!), but is also a great place to get new and nearly new stuff cheaply. Whatever you're looking to buy, it's at least worth checking eBay to compare prices. Here's a secret: 3 years ago I bought my wedding dress from an eBay shop - it was designed to my specifications from a picture that I'd found and hand made for me in my choice of fabric. It cost me less than £500. Previously I'd been to a well known bridal store and told that I'd have to pay £1,800 for the dress that I wanted and that I couldn't change a single detail on it. Did I get a bargain? I think certainly think so. I also sold the dress on eBay six weeks after my wedding too! www.gumtree.com Gumtree started in Australia, but there are now Gumtree sites for most UK cities too. It's full of different items being advertised for sale, and some for FREE. Yes, you heard me - there are lots of people who are GIVING THINGS AWAY on Gumtree. Check it out! Your questions answered Question: I've found a property I want to buy, but the sign says that it is 'Under Offer' - what does this mean? Answer: When you want to buy a property you put in an 'offer'. This offer is for the amount you want to buy the property for. The seller will then either refuse your offer, if they think it's too low, or accept your offer, if they decide to sell to you at that price. At this point a property is considered to be 'Under Offer'. However, between an offer being accepted and the buyer officially becoming the new owner of the property, there are some hurdles to jump. These include getting a mortgage approved, getting a valuation survey, and the conveyancer carrying out land searches (and lots of other stuff). At any of these points the sale could fall through, so the property is not considered 'sold' until contracts are exchanged and the purchase is completed (when the money actually changes hands). Because of these hurdles, Estate Agents and sellers will usually allow further viewings and even consider other offers whilst a property is 'Under Offer', but that is no guarrantee that you would get the property - unless the original sale fell through and the seller decided to consider your offer. Offering a higher price than the other buyer BEFORE their purchase has fallen through of it's own accord is called 'gazumping' and is somewhat frowned upon, but does go on. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Take advantage of rent price increases : What do conveyancers do? : This week's star property

jointequity — Tuesday 19th of August 2008 06:15:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 19 August 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Lovely 2-bed flat in new development, Barwell. £70,425 for 50% ownership Location: Barwell, LE9 8GF Property type: Flat Joint Equity price for 50% ownership: £70,425 About this property: Personal Touch Homes are delighted to offer for sale this two bedroom apartment located in a new development in Barwell. To summarise the property comprises; ground floor entrance hallway, first floor reception hall, lounge, kitchen, shower room and bedroom two. To the second floor is a study area and the master bedroom with en-suite. The outside of the property offers two sheltered parking spaces and communal gardens. In our opinion the property must be viewed in order to fully appreciate the size and standard. Joint Equity Estate Agent: Personal Touch Homes Website: click here Telephone: 01455 615556 How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article According to much of the industry press, rental demand is up, up, UP! This has resulted in a shortage of really good quality rental properties available, and (in some areas) an increase in rents being requested. This probably won’t affect you if you are already in a rental property and your tenancy agreement is not due to expire for 6 months or more, although it is still possible that your landlord may choose to put up the rent at renewal. What might affect you though is the number of people out there who are still looking for somewhere to stay and don’t want to pay over-the-odds for an under-the-weather flat. They are more likely to be looking seriously at renting a room in an owner-occupied property, as these are usually of a higher standard. So, if you are a Joint Equity Owner with a spare room, think about putting it up for rent. This IS allowed under the Joint Equity Partners Contract, as long as you: a) let Joint Equity Ltd and your Investor Partner know that you’re taking a lodger, and b) make sure that they are covered for insurance purposes. You could end up with a bit more money left at the end of your month! Your questions answered Question: I am a first time buyer and am confused by the range of professional advisors recommended. What does a conveyancer actually do? Answer: A conveyancer handles the legally required aspects of your property purchase for you. They are often a qualified solicitor, or may be trained only in conveyancing, but they are a specialist in this area. Conveyancing entails a number of things, depending on the type of property and purchase, and usually includes: - Carrying out ‘searches’ to check whether any issues or planning applications have been noted close to your property. - Ensuring that the title of your property is free to be sold. i.e. that there are no outstanding secured loans or claims on the property. - Checking freehold/leasehold status and titles. - Working with your mortgage lender to get your purchase deposit and the mortgage funds paid over to the sellers solicitor on time. - Liaising with the sellers solicitor on all the required paperwork. - Any other legal matters that come up as required. For a non-Joint Equity property purchase it is possible for a buyer to do their own conveyancing, however most people would probably not advise this for first-time purchasers (or even for second-time purchasers!), as it is a legal minefield. However, for Joint Equity purchases we require our Partners to use a Joint Equity trained conveyancer. This is because our process has added complexity, due to the involvement of additional Partners and our Joint Equity Partners Contract. The additional benefit to you is that we have negotiated a very reasonable fixed fee with all our conveyancers, and this is then split between the Owner and the Investor so the cost to you is cut even further. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Mortgage rates coming down? : Your Questions answered : Joint Equity Owner News

jointequity — Tuesday 12th of August 2008 02:35:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 12 August 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Fab 3-bed semi in Burbage. Joint Equity price £84,457 for 50% Location: Burbage, LE10 2XA Property type: 3 bed, Semi-detached Joint Equity price: £84,457 for 50% About this property: Personal Touch Homes are pleased to offer for sale this three bedroom semi detached property located on Garden Close, Burbage. The property benefits from gas fired central heating, mostly double glazed and briefly comprises; entrance hallway, lounge, kitchen diner, first floor landing, three bedrooms and bathroom. Externally the property has a garden to the rear, driveway and garage. In our opinion the property requires an internal viewing to fully appreciate the size and standard of the accommodation on offer. Joint Equity Estate Agent: Personal Touch Homes Visit their website: www.personaltouchhomes.co.uk How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article Are mortgage rates finally going down? Well, the Abbey IS dropping it's rates, and we can only hope that other lenders will follow their example. What's actually happening? Well, the indicators this week are maintaining the impression that we will shortly be seeing good news from the mortgage market. The BBC reported Monday that fixed 2 year mortgages have dropped by 0.5% and arrangement fees are also falling from historic highs. This, combined with the fall in commodity prices, means that there will be a general easing of the credit restraint many lenders imposed in January. Phew! However, don't take that on face value as the black cloud on the horizon is inflation, which is now considered to edge up to 5%. However, with oil falling (have you noticed how fast petrol prices at the pump fall?) we may see downward pressure to offset the other rises in energy as oil affects so many more products. Another reason to wait and see is that there is a current 2% difference between base rates and mortgage rates (on average), but if you keep your fingers crossed (which is what I'll be doing) they may just meet in the middle. Your questions answered Question: Why do you require me to have independent legal advice in order to buy a Joint Equity home? Answer: It is a requirement of The Joint Equity Scheme AND our lenders that you have independent legal advice when you sign The Joint Equity Partners Contract. The Joint Equity Partners Contract regulates the relationship between you, you Investor-Partner and Joint Equity Ltd. We insist on independent advice to ensure that you are happy with everything in the contract, and the requirements of the relationship that you will have with your Investor-Partner and Joint Equity Ltd. The contract is designed to protect your interests, and also those of the Investor-Partner, and we have designed it to be genuinely fair to everyone, but that also means making sure that all signatories understand it and are comfortable with what they are committing to. Your Joint Equity Estate Agent will be able to help you find an Independent Legal Advisor if you don't already have a solicitor in mind. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

How to save �60 per week in rent : Your questions answered : Joint Equity Properties available now

jointequity — Tuesday 05th of August 2008 12:25:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 05 August 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! 2 bedroom show appartment in Cippenham, Slough. Joint Equity price for 50%: £108, 750 Location: Cippenham, SL1 5QF Property type: 2 bedroom appartment Joint Equity price: £108,750 for 50% ownership About this property: Joint Equity Price: 50% ownership for £108,750 Apartment 18 – SHOW APARTMENT - 2 bedroom, second floor apartment comprising kitchen, living/dining room, master bedroom with fitted wardrobes and en-suite, further double bedroom also with fitted wardrobes. Allocated parking. Joint Equity Developer: Keeble Homes View their website How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article A great article from Laura Starkey at The Motley Fool to really get you thinking about how to negotiate with landlords on rental payments. Of course, she is talking about London prices, so the savings might not be so great elsewhere, but the principle still applies. Her advice boils down to this: be a good tenant (and make sure your landlord knows it). What does this mean? Well, it means providing references, offering a longer term lease and making sure that your tenancy credentials are understood by the landlord, e.g. if you are a teacher, the implication is that you are a reliable person. Click here to read the full article - it's worth a look. Your questions answered Question: My parents have offered to help with my deposit - can I still use this money with The Joint Equity Scheme? Answer: Absolutely! As long as the money is yours (which it will be if they give it to you), you can use it to help with your purchase deposit. Often parents want to help out, but don't have the spare cash to provide your whole deposit. However, between your own savings and a little help from them, it is likely that you would be able to put down enough money for a Joint Equity property. If you want to know how much of a deposit you could need, click here to do your own Illustration. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

House prices are going to skyrocket, says NHF : Joint Equity Owner News

jointequity — Tuesday 29th of July 2008 04:45:05 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 29 July 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article: House prices are set to skyrocket! See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Lovely 3 bed semi in Hailey, Oxfordshire. Joint Equity price: £120,000 Location: Hailey, OX29 9UA Property type: Semi-detached Joint Equity price: £120,000 About this property: 3 bedroom semi-detached house, with parking and a good sized garden. Joint Equity Estate Agent: www.wychwoods.com How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article The average house price in England will rise by 25 per cent over the next five years to reach £274,700, despite fears of a housing market crash – according to a new report published today by the National Housing Federation. Although the report predicts that house prices will fall in 2009, it points to a year of stability in 2010 with a modest increase of 1.3% before prices start to increase rapidly from 2011. With increases of 9.2% and 9.3% forecast for 2012 and 2013 respectively this will take cost of an average house from £222,600 in 2007 to the £274,700 predicted for 2013. Worryingly the report goes on to conclude that only 75% of the required level of new housing will be built each year, with demand increasing and supply falling. The report would like to see the Government increase its investment in social housing now. David Orr the Federation chief executive commented, “One in thirteen households is registered as being in housing need, with four million people living in cramped or difficult conditions”. Your questions answered Question: I want to buy a Joint Equity property but am worried about the security of my home. Will I be safe? Answer: Absolutely. Your Investor is not a landlord and has no landlord's rights or responsibilities. This means that they cannot inspect your property, terminate your agreement, or force you out of the property. They cannot unreasonably withold permission for you to make changes to the property either. Of course, it is still possible that your property could be repossessed by your mortgage lender. However, this is actually LESS likely if you have a Joint Equity property, because if you run into financial problems (e.g. if you are made redundant and it takes 3 months to find a new job) your Investor-Partner and Joint Equity Ltd are there to help. The Joint Equity Partners Contract contains a full resolution proceedure for situations where you struggle to pay - it may be that your Investor-Partner lends you the money, or you can ask Joint Equity to adjust the ownership percentages of you and your Investor-Partner. There are options and you will always be consulted. To read more about purchasing a Joint Equity home, please click here. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

New JE Estate Agent - New JE Properties!

jointequity — Tuesday 22nd of July 2008 06:15:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 22 July 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Lovely 2 bed flat in Cippenham (Slough) Location: Cippenham, SL1 5QF Property type: Flat Joint Equity price for 50% ownership: £99,975 About this property: Joint Equity Price: 50% ownership for £99,975 Apartment 16 - 2 bedroom, first floor apartment comprising kitchen, living/dining room, master bedroom with fitted wardrobes and en-suite, further double bedroom also with fitted wardrobes. Allocated parking Joint Equity Estate Agent: Kibbell Homes Website: click here Telephone: 01628 669861 How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. Your questions answered Question: I want to wait for the market to reach the bottom before I buy my Joint Equity property. Can I do this? Answer: You can buy a property with Joint Equity whenever you like - the timetable is up to you. However, waiting for the 'bottom' of the market can be dangerous, as you could miss it. If you are determined to wait in the hope of a bargain, there are some things you can do to make it easier when you do decide to buy: 1. Get an idea of the property values you're going to be looking at by doing an Illustration. 2. Let us know so that we can pre-match you with an Investor-Partner, for when you do find the right property (you can do this through the Make Application function in the Owners Area). 3. Speak to our Mortgage Broker on 0870 99 88 777 to find out what sort of mortgage you will be able to get. This will cut quite a lot of time off your purchase as you will already be aware of any issues that might occur. If you follow these three steps, you will be alot further along the way when you do find the right property at the right price. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Fewer people are moving house - but there are also fewer price falls now. Joint Equity Owner News

jointequity — Tuesday 15th of July 2008 06:25:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 15 July 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Fantastic 2 bedroom flat in Barwell. Has to be seen! Location: Barwell, LE9 8GF Property type: Flat Joint Equity price for 50% ownership: £70,425 About this property: Personal Touch Homes are delighted to offer for sale this two bedroom apartment located in a new development in Barwell. To summarise the property comprises; ground floor entrance hallway, first floor reception hall, lounge, kitchen, shower room and bedroom two. To the second floor is a study area and the master bedroom with en-suite. The outside of the property offers two sheltered parking spaces and communal gardens. In our opinion the property must be viewed in order to fully appreciate the size and standard. Joint Equity Estate Agent: Personal Touch Homes Website: click here Telephone: 01455 615556 How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article There were 15.3 transactions per surveyor during the three month to the end of June – the lowest level since record began in 1978, according to RICS. The reason why so many are choosing not to move is probably down to many potential buyers not able to get a mortgage, according to the Royal Institute of Chartered Surveyors (RICS). However, on the positive side, fewer surveyors reported house price falls in June than May. Nevertheless the number reporting a drop in prices was still high, with 88% of surveyors saying prices had come down in June, down from 92% in May. Another positive coming out of the report was that there was little sign of repossessed homes being sold in large numbers because employment levels remain high. Of course, at Joint Equity, we still have access to mortgage funds, so if you do want to buy a Joint Equity home, please get in touch! Your questions answered Question: I want to buy a Joint Equity home, but my boyfriend is worried about handing half of our property over to an Investor-Partner. Could they kick us out? Answer: Your boyfriend is right to be cautious - this is your home we're talking about, after all! However, at Joint Equity we work hard to protect your interests, as well as those of your Investor-Partner. Your Joint Equity property is your home, so we will not allow you to be disadvantaged in any way. All Joint Equity purchases are governed by the Joint Equity Partners Contract which protects you and your Investor-Partner, and our role. The Partners Contract will not allow your Investor-Partner to force you from your home under any circumstances. However, as with a normal mortgage, if you simply stop paying your mortgage or Investor Return payments, and don't take part in our default management proceedure, your property could be reposessed if the worst came to the worst. We try to make sure that this does not happen, and so we have a defaul management process which gives both you and your Investor-Partner various options for if you run into difficulties. We feel that this is actually a much better, and more helpful, system than most mortgage companies have, and we aim to make reposession a very last resort. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Find out what a mortgage arrangement fee REALLY costs

jointequity — Tuesday 08th of July 2008 04:35:06 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 08 July 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Upper Rissington, Gloucestershire, GL54 2NP Property type: End Terrace Joint Equity price: £99,250 About this property: Three bedroom end terrace house with adaptable good sized living accommodation on this popular, rural development on the edge of the Gloucestershire Cotswolds. Accommodation comprises hall, Living/ Dining Room, Conservatory, Kitchen and Utility Room on the ground floor. On the first floor is the landing, three bedrooms (one having been adapted to make two rooms), separate WC and bathroom. Outside is the front garden with two parking spaces and the back garden. Lovely interior. Joint Equity Estate Agent: www.wychwoods.com or call 01993 824800. How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article: Watch out for arrangement fees An article I spotted on The Motley Fool's website has caught my attention again this week, as Harvey Jones is talking about increasing arrangement fees for mortgages. When comparing mortgage offers, most of us are pretty good at comparing interest rates these days. However, it is easy to not really think about the arrangement fee - especially as this often gets added to the loan. The reality is that a large arrangement fee is the same, in monthly cost terms, of increasing the interest rate on the loan. We did a great article about this last year, which you can read on our website. It even includes a comparison table for easy reference. Also remember, that if you add an arrangement fee to your mortgage loan, you are then paying interest on the arrangement fee AS WELL AS the interest on your loan amount... ...for 25 years! So, if you have the money availbale to you, it is often worth refusing to have the fee added to the loan amount, and to pay the fee at the time you take out the mortgage. Links: The Motley Fool Article The Joint Equity Article Your questions answered Question: What should I do if there is no Joint Equity Estate Agent near me? Answer: We are building our network of Estate Agents very quickly, but it will take some time before we can cover the whole country. The good news is, however, that you can buy your property from ANY Estate Agent, anywhere - you don't have to use a Joint Equity Estate Agent at all. Here's what you do: - First, do your own Illustration to find out what sort of value of property you will be able to buy with Joint Equity. - Secondly, have a look at similar properties from Estate Agents on your local high street, or try an online property search engine like globrix.com. - When you have found a property that you want to buy, email us straight away. Give us all the details including a link to the listing on the Estate Agents site. We will then find you an Investor and keep in touch with the Estate Agent to let them know what's happening. - Finally, you buy your new home and move in! Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

How First Time Buyers can take advantage of property price falls : Joint Equity News

jointequity — Tuesday 01st of July 2008 02:25:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 01 July 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Location: Aldsworth, GL54 3QT Property type: Semi-Detached Joint Equity price: £122,500 About this property: Gorgeous property Semi-Detached Garden Single Garage Three bedroom family house with mature well stocked garden in sought after village cul-de-sac location. Accommodation comprises hall, sitting room and dining kitchen on the ground floor. On the first floor is a master bedroom with ensuite, two further bedrooms and a family bathroom. Outside is a garage and mature garden. Joint Equity Estate Agent: Wychwoods (see agents website) How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article How First Time Buyers can take advantage of falling property prices. Click here for the full article Motley Fool writer Laura Starkey looks at how first time buyers, amongst others, can benefit from the currently falling property market: "As long as they’re in possession of a deposit, first-time buyers stand to profit from decreasing prices. After all, price falls mean they may be able to afford a more expensive property than they originally set their sights on. Alternatively, they may be get the home they originally wanted -- but for less. This could save them tens of thousands of pounds over the lifetime of a typical mortgage."Of course, with Joint Equity, the value of the deposit that you require is slashed by 50% because your Investor also puts in their share of the deposit too. However, you do still need to have a bit of money put by. To find out how much of a deposit you need do your own Illustration online. Your questions answered Question: I already own a property with my ex-partner. I can't afford to buy them out, could Joint Equity help? Answer: It depends on your specific situation. If your property is attractive to Investors, then we can probably find an Investor for you. However, there are a number of issues to consider. If your ex currently pays part of the mortgage, your costs could increase. To find out about monthly costs, do your own Illustration. Remember that you will also have to contribute to the deposit, although if you have equity in the property, this may already be covered. Finally, you need to get your Ex to agree, and to take part in the process of selling their share to a Joint Equity Investor, and that could be the hardest bit. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Cut food prices! Preview great properties. Find out how much you could own.

jointequity — Tuesday 24th of June 2008 02:35:05 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 24 June 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article: Food for thought See your questions answered New properties from Joint Equity Estate Agents Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! 2003, 3-bed townhouse from Barratt's - Still under guarrantee. No chain! Location: Earl Shilton, LE9 Property type: Townhouse Joint Equity price: £74,975 for 50% About this property: Personal Touch Homes are pleased to offer for sale this three storey semi detached property built by messers' Barratt Homes in 2003. The property is situated in popular village location of Earl Shilton and benefits from upvc double glazing, gas fired central heating, remaining NHBC guarantee and has the added benefit of being sold with no upward chain. The accommodation on offer briefly comprises; hallway, guest cloaks, modern kitchen, lounge/diner, three bedroom master bedroom with walk-in wardrobe and en suite facilities and family bathroom. Externally the property offers front and rear gardens and a driveway providing off road parking. In our opinion the property requires an internal viewing to fully appreciate the quality and size of the accommodation on offer. Joint Equity Estate Agent: Personal Touch Homes Website: www.personaltouchhomes.co.uk Telephone: 01455 615 556 How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article: Food for thought We're with The Motley Fool again this week, looking at the second largest household expense after mortgage/rent: FOOD! Even if you haven't noticed that your grocery bill has gone up recently, the liklihood is that it has - dramatically! See here for the full article, but the general gist is that many staple foods are going up by between 20% and as much as 113%, which could double your monthly food bill (depending on what you shop for, of course). Fool columnist, Laura Starkey, suggests that shopping online is a good way to reduce costs, as it's easier to compare prices AND you are less likely to be way-laid by impulse purchases for items that you simply don't need. She also stresses, however, to beware of delivery charges for online shopping, and recommends using discount forums to find 'free delivery' or 'money off' codes to use against your bill. Seen an article that you'd like to share with other Joint Equity readers? Send us the link here. Your questions answered Question: Do I have to buy 50% of a Joint Equity property, or are there any other options for me? Answer: As an Owner-Partner, you choose how much of the proeprty you want to own, between 50% and 75%. We then find you an Investor-Partner who is interested in purchasing the remaining value in your new home. It is generally best to own more, as this minimises your monthly costs. As with most things, the percentage of the property that you will be eligible to buy is dependent on your personal financial circumstances and the offer price you are going to put in on the property of your choice. If you are thinking that this is all a bit vague, go to http://owners.jointequity.com to do your own illustration and see what is possible for your circumstances. This should give you a good idea of what you could purchase, and what to expect in terms of monthly payments, and you will get an accurate answer from your Joint Equity Mortgage Broker if you decide to make a Joint Equity mortgage application. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

See new properties and get your Illustrations for free! Joint Equity Owner News

jointequity — Tuesday 17th of June 2008 02:15:14 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 17 June 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New properties, New articles, New answers! In this issue: See latest properties from Joint Equity Estate Agents Read this week's article See your questions answered New property from Joint Equity Estate Agent Get your own Illustration in just 10 minutes! Click here No Cost! It's the free, no obligation way to find out if Joint Equity is right for you. Click here Instant Answers! It takes just 10 minutes to do your first Joint Equity Illustration. Additional illustrations take just a few seconds! So, you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here Try as many as you like! It's all about helping you make the best choices, so you can add unlimited properties, and do as many Illustrations as you like for each property. Click here Got any questions about the Joint Equity Owners Area or Joint Equity Illustrations? Send us an email! Great 2 bed detached property already reserved by a Joint Equity Investor-Partner! Location: Burbage LE10 Property type: Detached Joint Equity price for 50% ownership: £91,250 About this property: Personal Touch Homes are delighted to offer for sale this two bedroom detached residence situated in a much sought after central village location of Burbage. In brief the property comprises of; lounge, dining room, refitted breakfast kitchen, two bedrooms and bathroom. The property benefits from double glazing and gas fired central heating, the master bedroom boasts from a shower cubicle and solid oak balcony to the rear. To the front of the accomodation is a block paved driveway and to the rear is a private courtyard. The property must be viewed in order to fully appreciate the accomodation on offer. Joint Equity Estate Agent: Personal Touch Homes Website: click here Telephone: 01455 615 556 How to find out more: Contact this Joint Equity Estate Agent to get more information on this property or to arrange a viewing. Don't forget to do your own Illustration to see whether this property is suitable for you, or whether you should keep looking for something else. Not what you're looking for? No problem. Contact your local Joint Equity Estate Agent or any other Estate Agent in your area to see what properties they currently have available. Your search will be quicker and easier if you have already decided on a price bracket by doing some test illustrations. This week's article Around 86% of first-time buyers are still keen to get on the property ladder, according to Dandara. Recent research carried out by the UK developer Dandara shows that property continues to be seen as a safe long term investment and that given the choice, first time buyers would still prefer to be paying a mortgage instead of pouring their money into rent. The survey was carried out to determine the thoughts of first time buyers in light of the current property climate. With 100% mortgages being squeezed out of the market and banks tightening their belts, first time buyers are going to have to find new ways of getting onto the property ladder. Your questions answered Question: I am looking at properties, but don't know what I can afford to buy with Joint Equity. What should I do? Answer: We get this question a lot, and is why we developed our system of Illustrations and the Owners Area. Our online illustrator allows you to put in your own details and the prices of different properties that you are looking at. You can then choose different levels of ownership and deposit to see what the monthly costs would be and if you have enough deposit for that property in the first place. You can save these illustrations and print them out to compare them side by side and see what options would work out best for you. Using the illustrator, many of our Owners have found out that they can actually afford to own more of the property of their choice (giving them a greater share of any increase in value), or that they can buy a slightly larger or nicer property than they'd first thought. Click here to try it for yourself. Got a question you'd like to have answered here? Email me and I'll get to as many of them as possible in future newsletters That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Free conveyancing on offer! To buy or not to buy? Joint Equity Owner News

jointequity — Tuesday 10th of June 2008 02:30:13 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 10 June 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. In this issue: Free conveyancing on offer! RICS report indicators of property market stabilisation in London To Buy or not To Buy? Neil Faulkener answeres the question Free conveyancing offer! Web-wisdom Do your own illustrations in our Owners Area If you haven't yet tried it, please do go to our Owners Area and register for your free account. It takes about 10 minutes to do your first Illustration, instead of waiting 24 hours for our staff to do it for you. This means that you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here to go straight there If you’re one of the next 10 Owner-Partners to complete a Joint Equity purchase, you can get free conveyancing! We are offering to pay the conveyancing fees of the next 10 Owners to complete their Joint Equity purchases. You will still have to pay for your independent legal advice, but we will pay your share of all the conveyancing costs of your purchase. All you have to do is find your property & use the Owners Area to do your own Illustration. When you hit the 'make application' button, we'll tell you whether you could be eligible for free conveyancing or not. It's that simple! If you have any questions about this offer, please click here. RICS report indicators of property market stabilisation in London RICS (the Royal Institute of Chartered Surveyors) has reported an increase in the number of property sales being instructed in London. Traditionally, this has been used as one of the indicators to show the strength of the property market and could mean that the property market is now stabilizing and downward price changes could come to an end. To Buy or Not to buy Click here to read the full article on the Motley Fool website: http://www.fool.co.uk/news/property-home/2008/06/09/the-time-to-buy-property-is-now.aspx Neil Faulkener has written a great article offering a reasonable yet contentious argument for buying property now if (and only if) that’s what’s right for you. His point is that sound financial decisions are made when you consider your circumstances (like salary and savings) more than you do external factors (like interest rates and average property prices). So, if you want to buy a property to live in for a reasonably long time (a few years), you can get the appropriate mortgage, the mortgage is affordable (including if there are interest rate increases), AND you have the right amount of deposit saved up, then go ahead and buy the property. Yes, you might not be buying at the lowest possible price, and therefore could end up with a slightly larger mortgage, but if that property is worth it to you, then that is it’s true value. My opinion is that the property market goes up and down. It is impossible to accurately predict when and how this will occur, so you have to do what is right for you at the time. Do go to read the full article, it's very interesting. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Do you want to know where to buy Joint Equity Properties?

jointequity — Tuesday 03rd of June 2008 04:35:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 03 June 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Do you want to know where to buy Joint Equity Properties? Web-wisdom Do your own illustrations in our Owners Area If you haven't yet tried it, please do go to our Owners Area and register for your free account. It takes about 10 minutes to do your first Illustration, instead of waiting 24 hours for our staff to do it for you. This means that you can get an idea of what a particular property might cost you with Joint Equity, as soon as you've seen it! Click here to go straight there The short answer is “anywhere!”. Any property under the value of £250,000 can be considered for a Joint Equity purchase. So, you can go into any Estate Agent’s office in search of your potential new home. However, if you want to use an Estate Agent who has been trained in Joint Equity Scheme purchasing, and is ideally placed to help you through the home-buying process, then use one of our growing team of Joint Equity Estate Agents. Joint Equity Estate Agents are typically smaller offices in small agency chains, which will give you a more personal service (we think this is important). The Joint Equity Estate Agency network is growing constantly at the moment, and here is a selection of our agents to help you hunt them down in your area: Cotswolds: Wychwoods www.wychwoods.com Coventry: Personal Touch Homes www.personaltouchhomes.co.uk Darlington: Northgate Estates www.northgate-estates.co.uk East London: Churchill Estates www.churchill-estates.co.uk Hinckley: Personal Touch Homes www.personaltouchhomes.co.uk North Oxfordshire: Wychwoods www.wychwoods.com Nuneaton: Personal Touch Homes www.personaltouchhomes.co.uk Saffron Walden: Kevin Henry www.kevinhenry.co.uk Scarborough: Thornton Holborough www.thorntonholbrough.co.uk West Oxfordshire: Wychwoods www.wychwoods.com That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

What is mortgage advice really worth? Joint Equity Owner News

jointequity — Tuesday 27th of May 2008 02:25:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 27 May 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. What is mortgage advice really worth? Web-wisdom As we’re focusing on Professional Advisors this week, I thought I’d draw your attention to The Law Society, and their useful Solicitor Search. If you purchase a property through The Joint Equity Scheme, you have to take independent legal advice to ensure that you understand the Joint Equity Partners Contract before you sign it. That means you will need a solicitor to give that independent advice to you. If you don’t already have a solicitor, then use The Law Society’s Solicitor Search to find that is local to you. Of course, you may want to find a solicitor for many other reasons but haven’t known where to start looking. If so, then use the Solicitor Search and identify the area of law that you want assistance with, and you’re likely to find a professional near you that can help. www.lawsociety.org.uk £1,830 per year, apparently! You probably already know that you will be required to speak to one of our ‘whole of market’ mortgage brokers when you apply to purchase a Joint Equity home. We do this to ensure that Joint Equity is the best option for you, and a significant percentage of our applicants are actually recommended a different mortgage product by our brokers. So, you know that a Mortgage Broker will tell you if Joint Equity is the best mortgage for you or not, but what is that really worth in actual money? Well, the Association of Mortgage Intermediaries (AMI) has just published its ‘value of mortgage advice’ report. The report, carried out by independent financial services research company NMG, examines the value of mortgage intermediaries to consumers in getting them the most suitable mortgage, at the best price, with the best service. NMG has estimated that intermediaries could save consumers up to £1,830 per year compared with going direct to lenders. This is the average difference between the cost of a Standard Variable Rate, most frequently offered by lenders, compared to a fixed rate, the most popular choice by advisers. Chris Cummings, Director General of the AMI, said: “Intermediaries are able to identify the most suitable product for the consumer at a competitive price. Analysis of consumer attitudes shows they value this advice much higher than that provided by lenders. Independent research suggests that intermediaries could save consumers £1,830 per year compared with going direct to lenders. And in these difficult times it is more important than ever for consumers to access good financial advice.” Not surprising really, as we all know that most companies will promote the products that make them the most money, not the ones that work best for you. At Joint Equity, we’re genuinely happy if you can get a better deal by buying the property yourself, because you are likely to recommend us to friends as good people to do business with. Also, our Mortgage Brokers will compare the different Joint Equity mortgages available, and help you choose the best one for your specific circumstances. Remember, if you have experienced financial difficulties in the past, it’s likely that you could only get a mortgage through a broker, as most banks would not be very welcoming if you contacted them directly. In this case, it’s not just that the broker could save you money, it’s that they are essential in you being able to purchase your own home at all! You can find out more about Joint Equity's preferred Mortgage Brokers by going to their website: www.mortgagebeaters.co.uk. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Want to know the real truth about the property market? Joint Equity reveals all!

jointequity — Tuesday 20th of May 2008 03:10:11 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 20 May 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Want to know the real truth about the property market? Joint Equity reveals all! Web-wisdom www.grouprecipes.com This site was recommended to me by a friend, and I just signed up. Whether you are a gourmet chef, or struggle to boil an egg, this site has recipes for you. You can also upload your own recipes and start a recipe 'group' too. Exisiting groups are based on ingredients, food type, different dietary requirements, or whatever has taken someone's fancy. They even have a Recipe Robot that will make recommend- ations for you based on your food likes and dislikes! You can also vote on recipes and sent messages to other users. It's a bit like facebook for foodies: foodbook! www.grouprecipes.com Guest item by Brad Bamfield, Joint Equity CEO. In an article published on 19th May Christiana Jordon, full article here, busts The 3 Myths of Property Today that seem to have taken root in our psyche. She starts by saying: "If you believe everything you read in the consumer press or watch on the news you might be forgiven for thinking the UK mortgage and housing markets are in total meltdown. The apparent situation is that house prices are crashing and there are barely any mortgages available. To make matters worse, poor first-time buyers need to find a whopping 25% deposit in order to be considered for a homeloan - don't they? Well, no, they don't. Like a lot of the scare stories about mortgages these are exaggerations, headline-grabbers and examples of downright doom-mongering." Strong words but she supports it by going on to refute Myth 1 and 2 with sensible arguements Myth 1. There are few mortgages available to first-time buyers and you need a 25% deposit to get one more Myth 2 Mortgage rates are unaffordable more But it is her rebuttal of Myth 3 that I want to concentrate on. Myth 3 House prices are crashing "This month Halifax recorded a year-on-year fall in average house prices - a drop of less than 1%. But the country's largest lender pointed out that the national figure masks regional variances. Many areas (such as Greater London, East Anglia, and Scotland) have continued to see price rises this year and Halifax predicts they could continue to increase. The average UK house price rose 190% in the 10 years to last August, so a 1% or even 10% fall is a correction, rather than a long-term problem. And since the average first-time buyer put down a 20% deposit last year the threat of widespread negative equity is limited. Ultimately we have an undersupply of housing, record employment and a massive demand for property. The current lack of sufficient mortgage funding is causing real problems but when the mortgage market turns a corner, potential buyers will surely be waiting in the wings." more This has been part of my reasoning that the present problems will be relatively short lived and already we are seeing signs of new activity as the number of Illustrations our Owner-Partners are doing online rises every week. As more commentators and journalists start thinking the way Christiana does then momentum will build and sentiment will change, just as lenders want to rebuild their market share. Fortunately Joint Equity and our Investor-Partners are positioned perfectly to help our Owner-Partners and take advantage of the stored demand. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Save yourself money when moving out of rented accomodation : Joint Equity Owner News

jointequity — Tuesday 13th of May 2008 02:25:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 13 May 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Save yourself money when moving out of rented accomodation : Higher percentage loans being taken out by first time buyers : Get out and about in the Summer weather In this issue: Save yourself money when moving out of rented accomodation Higher percentage loans being taken out by first time buyers Save yourself money when moving out of rented accomodation Web-wisdom The summer weather is here, and you want to be out in it, but you don’t want to squander all your deposit savings in your local beer-garden. What do you do? A great option is to join www.meetup.com and search for meetup groups local to you that are related to your interests. The range of topics on meetup.com is amazing, and varies from Aeroplane Spotting to Zoology (A to Z, geddit?!), so there’s bound to be something there that you’re interested in. As an experiment, I thought I’d find a few interesting (and slightly wacky) London meetups to share with you as an example of the amazing choice available: Swapaholics Clothing Swap meetup Energy Healers Meetup Group Science Fiction and Fantasy Meetup Group Extreme and Experimental Music Meetup Group The SquadGod Fantasy Football Meetup Group Pirates and Sailors Fancy Dress Meetup Group Use of meetup.com is free, but individual groups may make a charge (they always say so if they do). www.meetup.com As most of the readers of this newsletter are renters, I thought this article from The Motley Fool would be a great one to bring to your attention. In this article, Fool writer Neil Faulkner gives a real life example of his own experience of moving out of his own rented property and how he saved himself over £200. I wrote about a similar topic a short while ago, as well. Saving money on the transition between homes is very important, because it’s normally about costs that you haven’t budgeted for at all. This means that you can have a nasty financial shock to deal with if you are not careful. Read the Fool article here and save yourself some money. Higher percentage loans being taken out by first time buyers Average prices in April 2008 show a 4.78 per cent reduction on figures from the same time last year. But Moneyextra.com says the average loan-to-value ratio first time buyers are taking has risen to its highest level at 82.89 per cent. The website says the average amount first time buyers were looking to borrow in April was £141,369. Moneyextra.com senior editor Robin Amlôt says: “While it may be getting tougher to get a mortgage now, it would appear that those first time buyers who are in a position to buy are driving much harder bargains with sellers. “Housing is very definitely a buyers' market now rather than the sellers' market that existing homeowners had become used to.” That’s all well and good, but what does it mean for Joint Equity buyers? Well, firstly, the confirmation that it is now a buyer’s market is good, because house prices are lower, however mortgages can be tougher to come by for some people, and that’s not such good news for many. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

The Bank of England says it's not so bad! : Your FAQs : Web-wisdom

jointequity — Tuesday 06th of May 2008 01:00:15 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 06 May 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. According to the Bank of England, the worst of the credit crisis is over! In this issue: According to the Bank of England, the worst of the credit crisis is over Your FAQs - Adding a second applicant to your profile in the Owners Area According to the Bank of England, the worst of the credit crisis is over Web-wisdom Newsletter Archives Want to check back over past issues of our newsletter? Maybe we included something last week that you wanted to pass on to a friend, but you deleted the original email. Well, help is at hand, thanks to our handy ‘Archive’ feature. Just use the link at the very top of this email (or click here) to go back and view any of our weekly newsletters since they began to appear in the current format. Woohoo! I hear you cry. Let’s look at the details: The Bank of England issues a twice-yearly report on “Financial Stability”. The latest one came out at the end of last month, and stated that the credit markets “overstate the losses that will ultimately be felt by the financial system and the economy as a whole”. Also, John Gieve, deputy governor, said: “While there remain downside risks, the most likely path ahead is that confidence and risk appetite will return gradually in the coming months.” Basically, the Bank is giving a cautiously optimistic outlook for the coming months, stating that the markets will start to come round soon, and is the first big financial institution to do so. The Bank of England thinks that the problems in the USA based on the state of sub-prime mortgages there are being overstated by the markets, and that much of the predicted doom and gloom will not come to pass, so international confidence will improve soon, and so help the UK economy also. What does this mean for you and me though? Well, here’s Mystic Tam’s prediction for 2008: Nothing will change for another month or so, then we’ll start to see things getting back to normal again with lenders offering mortgages once more, and credit card applications getting accepted again. This will be slow process though, and will likely take more than 6 months to get back to where we were before the crash. House prices will lag slightly behind this, with the downward price trend continuing for probably another 2 months. Then prices will level out for a while, and then slowly start to creep back up. This means that if you can raise the required deposit and get a mortgage, now could be a good time to buy a property – but you need to have the bottle to ride out the market correction that will occur later on (as it always does eventually). Your FAQs - Adding a second applicant to your profile in the Owners Area We’ve had a few questions about how to add a second applicant to your profile in the Owners Area lately, so I thought I’d answer it as an FAQ in today’s newsletter. Firstly, the Joint Equity Owners Area is where you can create your own Illustrations online in about 10 minutes. A Joint Equity Illustration gives you a detailed breakdown of what your Joint Equity purchase could cost, and how much you could earn by not renting. Okay, so when completing your details for your Illustration, you may wish to add a second applicant’s details to your profile. This could be your partner, a sister or brother, or another friend or family member. Adding a second applicant is really easy. When you have finished adding your own information, click on the link titled ‘Add a second applicant’ at the top of the main window. This is shown in the image below. If you can’t see this link, it means that you have not yet finished inputting your own details, and that some mandatory field has been left uncompleted. To find which information has not been completed, go back to step one of your own profile, and follow the prompts on screen. Mandatory fields are always coloured orange to make them clear to you. If any of them have been left uncompleted, fill them in now and remember to click ‘save’ on every page to store your information. See – I told you it was easy! Now you can get going and do all the Joint Equity Illustrations you like, both as an individual AND with your second applicant. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

New Estate Agents for Joint Equity : Reclaim unfair bank charges

jointequity — Tuesday 29th of April 2008 05:50:11 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 29 April 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. New Joint Equity Estate Agents! Web-wisdom Reclaim unfair bank charges You've probably read about this in the news, but an important test case has just received the ruling that bank charges ARE subject to the fair conditions of contract legislation. This means that anyone who has had bank charges within the last 6 years is likely to be able to reclaim them soon. However, instead of waiting for the repayment to become automatic (which may put you quite far down the queue), it's a good idea to get ahead of the game and read this article from our favourite - Martin Lewis. You could be due to receive thousands of pounds. You already know you can make a Joint Equity purchase with any Estate Agent. However, if you use a Joint Equity Estate Agent Partner (JEEAP) then you are likely to receive a lot more help and support with the process.JEEAPs also offer selected Joint Equity properties with Investor-Partners already in place. This is great, because it means that your purchase will go more quickly. The latest Joint Equity Estate Agents are: Agent: Churchill Estates Website: www.churchill-estates.co.uk Areas: Stratford (East London) Agent: Personal Touch Homes Website: www.personaltouchhomes.co.uk Areas: Coventry Nuneaton Hinckley If you are house hunting in any of these areas, please give one of our Estate Agents a call. They would be happy to hear from you and help you find your new Joint Equity home. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Avoid these 10 hidden costs of moving home : Joint Equity Owner News

jointequity — Tuesday 22nd of April 2008 01:25:03 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 22 April 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Avoid these 10 hidden costs of moving home Avoid these 10 hidden costs of moving home Web-wisdom How to sell on eBay If you're moving home, and decluttering before you pack, you've probably got lots of items that you don't want to just throw in the bin or donate to charity. Selling your old stuff on eBay (or other auction sites) could be a great way to recoup some of the hidden costs highlighted in this week's feature article. eBay itself has a great resource that will help you to sell your old belongings for the best prices. Click here to go to their free guide. Moving house is really expensive, as everybody knows, what with stamp duty, conveyancing costs or deposits to pay for those that are renting. However, there are other hidden costs involved in the move too. Be careful to add these to your budget right at the start: 1. Cleaning & redecorating costs. When moving out of a rental property, the landlord or agent will usually require you to leave the property as you found it (except for “fair wear and tear”). The level of cleanliness required therefore depends on the state of the property when you moved in, so could mean anything from a quick ‘once over’ to full cleaning of carpets, steam cleaning of the oven, cleaning of any mattresses, and a deep cleaning of the bathroom. These can be very expensive if taken out of your deposit, so my top tip is to find out what is required and do it yourself – ideally do it once your belongings have been removed. Get friends to help, as this will go much faster, and consider hiring a carpet cleaning machine to really get the place looking spick and span! 2. Utility bill switching. According to this great article from The Motley Fool, when you move house and notify your utility company, you are likely to be automatically transferred to their most expensive tariff. Don’t let this happen to you! 3. Removals costs. You know that hiring a removal company or van is something you should factor in to your moving costs, don’t you? Of course you do, but different companies calculate their costs in different ways, so my top tip is to work out for yourself what you think the cost will be for a few different removals and then ask for quotes. For example, some removals companies charge a standard day rate PLUS a milage cost, so use a service like the AA’s routefinder to calculate the exact distance between your properties and add up the costs to get the total. Other companies will offer a fixed fee (which is easy to compare but could be more expensive), others just go by mileage. Most removals and ‘man and van’ companies charge relative to the size of the vehicle, so make sure you’re getting the right size of van for your move. Too big, and you’re paying extra; too small and you could need additional (and costly) trips. 4. Storage costs. Are all of your belongings going to fit in to your new home? Are you sure of that?! It is amazing how often people don’t realise or simply don’t check that all their belongings will get through the doors of their new home, let alone whether they’ll fit once they’re in there. My top tip is to measure, measure and measure. E.g. measure the meters of book shelves you have/need for your book and DVD collection; measure the size of doors, corridors and stairwells to make sure that large items will be able to squeeze through, measure the places that you want to put any furniture items to make sure they’ll fit in there. My secondary tip is to declutter anything you don’t want or need BEFORE you start to pack. This will make the availability of space less of a problem. 5. Boxes and packaging. You have to pack up your belongings in order to get them out of your old home and into the new one. People often only remember at the last minute that they need something to pack their items into. You can buy packaging boxes from removals companies, but these are usually (although not always) quite expensive. My top tip is to do a search online for ‘home mover packs’ of boxes. These are usually quite reasonably priced and will generally include different sizes of boxes, bubble wrap, tape, marker pens, and tissue paper. They come in different sizes of pack, so you can choose the right one to suit you. Also, don’t pack things that don’t need to be packed, e.g. take the full drawers out of your bedroom dresser/chest of drawers, put the carcass in the van, then pop the full drawers back into the carcass. No need to use bags or boxes, and your clothes are already in place when you get to your new home. 6. Takeaway food. You’re probably going to spend at least 1 day at your old property and 1 day at your new property without cooking. Even if the kitchen is unpacked, you probably won’t have the time or energy to rustle up a home cooked feast over the moving period. If you have friends helping you to move, you probably want to treat them to dinner as a thank you as well. Buying fish and chips or a curry for 4 or 5 folks is costly. My top tip is to plan ahead and buy ready meals from the supermarket for just these occasions. My local supermarket does lovely and inexpensive Indian ‘takeaway’ food and great fresh pizzas. Grab a few of these for half the price of a delivered meal, and just pop them in the oven when you’re ready to eat. It’s a good idea to have some disposable plates and cutlery ready too. 7. Telephone connection charges. Your old home had a landline phone, your new home probably has one too. However, it’s not always as simple as phoning up BT and having the line put into your name. If the line needs to be activated, BT will often send out an engineer and charge you £120 for doing so, even if they don’t have to do anything. My top tip is to call BT and ask exactly what the process for your phone will be and what the charges will be. Check if an engineers visit is required. If possible, get the phone number of the line from the previous tenant or owner and ask them NOT to have the phone cut off, as when you call BT and tell them that you’re taking over the line, the old contract with the previous occupant will automatically be terminated. 8. Temporary accommodation in between properties. This usually applies if you are moving to a new area or have a lease that ends on one date, and a new occupancy date that is a few days (or even weeks) away. Many of us are lucky enough to have friends that we can stay with, rather than booking into a costly hotel. However, even friends shouldn’t be treated as ‘free’, and, if you are really a good friend to them, you’ll probably want to take them out to dinner or buy them a gift as a thank you. My top tip is that dinner in is probably cheaper than dinner out, so consider a takeaway or cooking for them. Otherwise a lovely bunch of flowers or a box of chocs will often do the trick. 9. Appliance connection. If your new property has a gas supply, it may be that you will have to have this switched back on, or have appliances checked or reconnected by a Corgi approved gas engineer. This is usually the case in properties that have been empty for some time. This could be very expensive, so my top tip is to get a few quotes for the work needed, and book in an engineer to visit. If treated as an ‘emergency’ on the spot call out, costs are likely to be higher. 10. Credit checks by letting agents. This last one is for renters only. Letting agents are more and more frequently carrying out credit and personal reference checks on new tenants. This is a smart move of behalf of landlords of course, however what they also tend to do is to charge the prospective tenants for carrying out the checks! This can typically add £50 to £100 to your up front costs. My top tip is to ask about this when you respond to any rental adverts. You can’t do anything about eliminating this cost, but you can make sure you are forewarned. As this was a long article, that's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Saving for a deposit? Read our top 5 DON'TS! IVA or the high way? Joint Equity Owner News

jointequity — Tuesday 15th of April 2008 01:30:04 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 15 April 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Saving for a deposit? Read our Top 5 DON'TS! : IVA or the high way? In this issue: Saving for a deposit? Read our Top 5 DON'TS! IVA or the high way? IVAs and debt management companies WILL affect your mortgage opportunitites. Saving for a deposit? Read our Top 5 DON'TS! Web-wisdom Discussion Forums! ...or should that be "fora"? If you are looking for help and support for any issue at all, there is probably an online discussion forum relavent to you. These are great places where you can communicate with others who have had exactly the same experience as you, and will help you get through the problems that you're facing. There are forums for everything from money issues, to DIY, to house hunting, and I wanted to point out my two favourite money forums. These are (no surprises to regular readers) the forums at: www.moneysavingexpert.com and www.fool.co.uk With the current credit crunch, saving for a deposit is even more important than ever. Here are my “Top 5 Savings Don’ts”: 1. Don’t keep your savings in your current account. You will be getting low interest, if any, and you’ll be more likely to dip into it. 2. Don’t forget to use your ISA allowance. Use an ISA so that you don’t give away any of your interest to the tax man (we’ve covered this before in other newsletters but it’s really important!). Have a look at this article from MoneySavingExpert.com to learn about ISAs and see the best currently available ISA deals: http://www.moneysavingexpert.com/savings/best-cash-isa 3. Don’t wait until the end of the tax year to set up your ISA. Most people wait til just before the tax year ends to get their ISAs, but that means they’re missing out on interest they could be gaining this year. 4. Don’t plan to save ‘when you can’. You may plan to save any extra cash that you have, when you have it. For 90% of people this method will never work (it definitely doesn’t for me). The reason is that you will never have any extra cash after everything else, as it just gets frittered away. However, if you put your savings money aside before you start spending your monthly pay cheque, it will still be there at the end of the month and you won’t really feel any pinch. Set up a standing order to help with this. You can, after all, always add any additional funds to your savings bank later. 5. Don’t dip into your savings fund indiscriminately. This fund is for your deposit. It is not for Christmas, holidays, car insurance, or any other big costs. You should be saving for these things – after all, you know you’re going to spend money on them – but you need to keep those savings separate. This is pretty easy to do. My bank, for example, will let me set up as many internet-only savings accounts with them as I like. I do this myself, through online banking, and label them as ‘Christmas’, or ‘Holiday’ etc. I set up standing orders to have a bit of cash go into each of these accounts every month, and slowly it builds up. If you have these accounts in place you are less likely to need (or let’s be honest with ourselves: ‘want’) to dip into your larger and juicier looking deposit fund when Christmas or car insurance time rolls around. I hope these tips help you save for your deposit! IVA or the high way? IVAs and debt management companies WILL affect your mortgage opportunities This week we’ve seen several more enquiries from people who want to become Joint Equity Owner-Partners and who are in ‘debt management’ and have IVAs in place. IVAs (Individual Voluntary Arrangements) and plans sold by debt management companies are becoming more and more common. People normally tend to go to these types of arrangements when they feel that they don’t have any other way out of their debts. However, it is now becoming more common for people to enter into IVAs for example as an ‘easier’ option as they can, after all, lower your monthly payments. Usually, there ARE other options for these folks that could be much better for them. Many of the people enquiring with Joint Equity have been told that their IVA or company organised debt management programme won’t affect their ability to get a mortgage. This is simply not true for the lenders that we work with, and probably most other lenders too, in the present financial climate. Sadly we have to turn these people away, but if they’d handled their problems differently in the first place, they may still have been able to apply for The Joint Equity Scheme. I am not a financial advisor or an expert on these issues, so I suggest that you have a look at these two great guides: The first is from The Motley Fool (www.fool.co.uk) and is about debt, loans and consolidation. It explains clearly the different options that are available to you if you feel that you have ‘problem’ debts: http://www.fool.co.uk/Loans/Debt-loans-and-consolidation.aspx The second is from MoneySavingExpert, Martin Lewis (www.moneysavingexpert.com). This is a very good guide to IVAs to help you decide properly whether it is a good option for you or not (for the majority of people, it’s not!): http://www.moneysavingexpert.com/loans/pdf-iva-guide.pdf A final note: Problem debts do not mean a choice between bad and worse options. There is a great organisation called the Consumer Credit Council that can help you for FREE. Please go to them first for impartial advice before you even think about contacting ‘debt recovery’ company. Visit their website here: http://www.cccs.co.uk/ More information and great links are available here: http://www.moneysavingexpert.com/loans/debt-help-plan That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Interest rates likely to go down? Stamp duty mayhem! 25 year fixed rate mortgages - what do you think?

jointequity — Tuesday 08th of April 2008 11:20:06 AM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 08 April 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Interest rates likely to go down? : Stamp Duty mayhem! : 25 year fixed rate mortgages - what do you think? In this issue: Interest rates likely to go down? Stamp Duty mayhem! 25 year fixed rate mortgages - what do you think? Interest rates likely to go down? Web-wisdom Glide seems to be an easy way to share the bills in a shared property. What happens is that Glide becomes your one provider for all services to your shared house or apartment. That includes the obvious ones like electricity and gas, but also less obvious ones like broadband and TV license too. They split the bills by the number of occupants and send you each your own bill every month. The benefit is that you don’t have to nominate one person to collect the money from everyone, and you only pay for your share. Although I’ve not looked into it in detail, it sounds like a cracking idea to me. Check it out for yourself at: www.glide.uk.com. 76 per cent of economists believe interest rates will be cut on Thursday. This is a good thing if you already have a mortgage… …we are led to believe. However, lenders don’t always follow base rates when they drop (although they are fast to increase their interest rates, if base rates go up!). So, the rule is not to assume that YOUR interest rates will go down just because the Bank of England’s base rate does. Stamp Duty mayhem! We reported last week on the Chancellor’s budget announcement that shared home ownership properties would be exempt from Stamp Duty. This week, The Observer has run a good investigative piece on this very issue. It turns out that only 2 of the Government’s 5 shared home ownership schemes (NewBuild Home Buy and Social HomeBuy) are exempt. Other schemes, such as MyChoice HomeBuy, and the English Partnerships scheme are not eligible at all. And nor, at the moment, are other private shared home ownership schemes. Well, we’re disappointed, as I’m sure you can guess. However, with the Joint Equity Scheme, Stamp Duty is at least shared between the Owner and Investor, in accordance with their ownership shares. 25 year fixed rate mortgages - what do you think? The Chancellor, Alistair Darling, is calling for more lenders to offer 25 year fixed rate mortgage deals, and fairinvestment.co.uk has just completed a survey in which 37 per cent said they would take out a 25-year fixed rate product whilst a further 28 per cent would opt for a medium-term product. Tell us what you think: owners@jointequity.co.uk That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2008) unless where otherwise stated

Are your savings safe?; Will it take you 6 years to save up your deposit?; Are you going to own your own property by the time you're 30?

jointequity — Tuesday 01st of April 2008 01:45:17 PM

Click here to view this Newsletter online Click here for our Newsletter archive Click here to unsubscribe 01 April 2008 Dear %%First Name%%, you are subscribed to this newsletter using the following email address: %%emailaddress%%. Are your savings safe?; Will it take you 6 years to save up your deposit?; Are you going to own your own property by the time you're 30? In this issue: Are your savings safe? Will it take you 6 years to save up your deposit? Are you going to own your own property by the time you're 30? Are your savings safe? Web-Wisdom Looking for April Fool's stories? Go straight to Private Eye, the best satirical magazine in the UK. Their website is great and can always raise a smile from me, even on the glummest day. www.private-eye.co.uk Banks are struggling at the moment, which means that you need to make sure that your hard earned savings are protected - just in case the bank that you save with does go bust. Of course, the government guarrantees the first £35,000 of everyone's savings, but you don't get the full protection if you also have debts with the same bank. This is an important warning that appeared in last week's free MoneyTips email from Martin Lewis's MoneySavingExpert.com: "While savings are protected by up to £35,000 per financial institution, if you’ve any debts (such as mortgages, credit cards, loans) these are subtracted from savings before the compensation kicks in. So if you had £20,000 savings and £10,000 of debt you’d only get £10,000 back not the full £20,000. Of course it would also mean you no longer owe the debt." So, what's the answer? Keep your debts and your savings in seperate banks or building societies. There is a full article about this issue here. Will it take you 6 years to save up your deposit? According to The Abbey, a quarter of first time buyers claim that they will have to save for 6 years to afford a deposit. The average FTB takes 3.5 years to save a typical deposit of £22,800, but 23% believe it will take twice as long! Are you going to own your own property by the time you're 30? More than half of twenty-somethings still expect to own their own property before they reach 30 according to new research by Alliance & Leicester. The latest Moving Improving research shows that owning a property is one of the key goals set by those in their twenties with more than half (57 per cent) of 18 to 29 year olds citing ownership of a property as a realistic goal. Reaching 30 is a milestone many of us set goals against. The aim of owning a property by the time this milestone is reached is not unrealistic, with the average age of a first time buyer being 29, having risen from 28 in the early 1990’s. The latest Alliance & Leicester findings support these figures with two thirds (67 per cent) saying that they bought their first home before they were 30. The research also showed that before jumping onto the property ladder, renting is the option for those living away from home. Renting with a partner prior to owning a first property was seen as a natural progression for half (50 per cent) of 18 to 30 year olds. Getting married is also a key with half (49 per cent) citing it as a desire before they reached 30. Having a child is also high on the agenda, with two in five (42 per cent) wanting to start a family by the time they reach 30.With property prices currently coming down a little, and Joint Equity and Government schemes available to help, more first time buyers may be able to achieve this aim and buy before they hit the big Three-Oh. That's all for this week. Take care, Tamsin Joint Equity writer and marketing director To send me a question or comment, please click here. Visit us online at www.jointequity.co.uk. You are welcome to send this email to a friend. Please click here. If you would like to stop receiving our newsletters, please click here to unsubscribe: Unsubscribe me from this mailing list The Joint Equity Scheme is for first-time buyers, home owners and property investors. Joint Equity Ltd works with Mortgage Beaters to provide case studies and Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, who are authorised and regulated by the Financial Services Authority. The content of this newsletter is accurate to the best of our knowledge and for information only. We do not provide financial advice. Joint Equity Ltd., a UK company Reg No: 4915890 Registered office: 17 Hanbury Close, Cheshunt, Herts, EN8 9BZ ©Joint Equity Ltd (2007) unless where otherwise stated