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What IS a Mortgage?! | Property Investing 101| Property Tip

What IS a Mortgage?! | Property Investing 101| Property Tip

Looking for more? Download Mark Homer’s FREE 42 Tips Guide → https://bit.ly/mhreport-yt

Today our host Emerald Fisk dives into one of property’s biggest questions… “What is a mortgage?”

There’s much talk at the moment around the Bank of England and current interest rates, even more so how this affects our mortgages. Whether you’re a seasoned investor or just starting out, understanding such financing options is crucial for your success. So, get your notebook and pen ready – let’s tune into this Property Investing 101: Property Tip!

🟠 Buy-to-Let Mortgages: Discover how buy-to-let mortgages differ from residential mortgages and why they offer flexibility for property investors. Learn how lenders assess your income and the income produced by your property, plus understand the method behind the buy-to-let stress test as well as recent changes in lending criteria.

🟠 HMO Mortgages: Explore the potential of Houses in Multiple Occupation (HMOs) and why they can boost your returns. Find out the experience requirements for HMO lending and the exceptions for first-time landlords.

🟠 Short-Term Lets: Thinking of renting your property short-term through platforms like Airbnb? Learn how lenders evaluate these types of property strategies and discover a unique approach to income calculation that can maximise your potential!

🟠 Semi-Commercial Mortgages: Uncover the benefits of investing in semi-commercial properties. We’ll discuss the experience level lenders prefer and the advantages of diversifying your portfolio.

🟠 Multi-Unit Freehold Block Mortgages: Explore the world of multi-unit freehold blocks and understand the conditions for first-time investors. Discover why this investment type can reduce risk and increase profitability.

Understanding Swap Rates vs. Bank of England Base Rate:

🟠 Swap rates heavily influence buy-to-let and other mortgage types.

🟠 Swap rates reflect overnight interest rates in the lending market.

🟠 Fixed-rate mortgages are based on swap rates, not the Bank of England base rate.

🟠 Bank of England base rate affects the standard variable rates (SVR) of lenders.

📊 SONIA Swap Rates Explained 📊

🟠 Uncover the significance of SONIA swap rates in property financing.

🟠 Learn how swap rates impact buy-to-let mortgages and other types of property loans.

🟠 Understand the role of the Bank of England base rate concerning swap rates.

For more in-depth insights and tips on property investment, don’t forget to check out Mark Homer’s FREE 42 Tips Guide linked above.

#buytolet #inflation #mortagerates #bankofengland #landlords #privatelandlords #SONIAswap rates #UKPropertyInvestment #PropertyTips #ProgressiveProperty

Emerald’s achievements speak volumes—she clinched the VIP JV of the Year Award in 2018 and has since soared to new heights. As a dedicated off-market broker from an award-winning firm, she secures her clients the best available rates. Your property dreams are in expert hands with Emerald!

At Progressive Property, our expert guidance arms you with the essential tools and expert guidance to conquer the world of property investment. Our method is comprehensive, taking you through every step, with personalised mentoring and a thriving community to ensure your success.
But our mission doesn’t end with education. We spark your love for property investment, guiding you through market intricacies and fuelling your drive to excel. With unwavering commitment, your investments and income can reach unprecedented heights.

Want to learn how to build your own property empire using NONE of your own money? Tune in with Kevin McDonnell, the king of ‘No Money Down’. ▶️ How to Build a Property Empire with ZERO Money – First Time Buyers Must Watch!

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0:00 BUY TO LET Mortgages
1:20 HMO Mortgages
2:47 SHORT TERM LET Mortgages
6:09 SEMI-COMMERCIAL & MULTI-UNIT FREEHOLD Mortgages
7:23 BONUS TIP: SONIA Swap Rates
9:26 FREE DOWNLOAD
9:40 Stay Tuned!

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Full Episode: 5 Design-Forward Homes Full of Inspiration & Unique Decor Ideas | Open House TV

Full Episode: 5 Design-Forward Homes Full of Inspiration & Unique Decor Ideas | Open House TV

Join our lovely host Sara Gore in this week’s all-new episode of Open House for a tour of five stunning, modern homes that are the epitome of imaginative design and indoor/outdoor living.

First, we join the always entertaining Brian Lewis at one of his new listings in the heart of midtown Manhattan at the Baccarat Residencies: a freshly renovated and reinvented duplex apartment — located on the 18th and 19th floors of 20 West 53rd Street — that is the complete embodiment of luxury, beauty, and rarity with its walls of floor-to-ceiling glass windows, integrated fireplace, sunny bedroom suites, marble floors, soaring ceilings, and top-shelf finishes and appliances throughout. 5 bedrooms, 4 bathrooms, and 2 half baths? A dream kitchen with custom cabinetry, sleek appliances, and a table large enough for any holiday feast? Plus, a huge wraparound terrace that offers plenty of space (over to 3000 square feet of it!) to dine al fresco, play pickleball, and take in gorgeous views of centuries-old architecture, including 30 Rockefeller Center? Yes, please!

Next, we journey to Venice, California at 513 Grand Blvd. for a look around Stewart Burns’ — a writer and producer on the iconic Simpsons and Futurama series — one-of-a-kind sculptural home. This futuristic 4-bedroom private residence, best known as the Tectonic House, features 2,522 square feet of unique angles; imaginative and playful touches (including aerial silks in an entry room called the Tower); a spiral structure (dubbed “The Parasite”) that spirals all the way into the upper reaches of the home and offers plenty of shelving and seating options; large living spaces for members of the family to hang out; and glorious views via a generous roof deck.

After that, we’re back on the East Coast with an exciting look at the 2023 Real Simple Home. What happens when 7 of the brightest stars in interior design team up to work their magic on a completely blank-canvas penthouse? Real Simple’s editor-in-chief Lauren Iannotti answers that question with a tour of this year’s beyond stunning design project: a Brooklyn Heights duplex residence — located at the top of the Quay building at 50 Bridge Park Drive — that is a wondrous symphony of cohesive design and whimsical transformations full of bold colors, anchoring elements, bright patterns and textures, and plenty of depth. And if any of these stunning pieces caught your eye, be sure to shop the look HERE: https://trib.al/YnaLJ7U — and check out the #RSHome2023 October issue for more design ideas, organizing tips, and fun fall decor inspiration!

Next up: 28837 Selfridge Drive in. Malibu, CA. Interested in a taste of the light & airy Little Dume lifestyle? Join architects Silvia Kuhle and Jeffery Allsbrook of Standard Architecture in exploring more of an exquisite 5-bedroom paradise of a home located in sunny Malibu. This open, soothing space features seamless indoor/outdoor living, warm materials, and plenty of natural light throughout.There is a notion of transparency immediately upon entering the home, which is achieved through floor-to-ceiling glass that opens up in the back and front of the property, as well as the floors that extend all the way to the exterior and a fireplace wall that allows you to see through to the dining room from the entry. Additionally, the zen aesthetic is palpable throughout the home, especially the front yard with its sandy, beach vibe, aloe trees, and coastal grasses — and the pool lounging area that is ideal for relaxing and taking in views of the rest of the property (including the floating roof in the middle and then two more enclosed wings on the side).

We top off the episode with a trip to New York City to visit with fashion designer Cynthia Rowley. Sporty, sexy, adventurous are all apt descriptors of Cynthia’s global lifestyle brand. and if you add whimsical, art-inspired, and vintage to the list then you have a pretty good overview of her impressive and eclectic West Village townhouse.

*Inspired by this year’s Real Simple Home? Shop the look HERE: https://trib.al/YnaLJ7U

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An off-grid shipping container home #sustainability #home #realestate

An off-grid shipping container home #sustainability #home #realestate

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A Duplex Penthouse in Downtown NYC with Impressive Interiors | Open House TV

A Duplex Penthouse in Downtown NYC with Impressive Interiors | Open House TV

Meet with real estate agent Leonard Steinberg in downtown New York City for a look around 33 Park Row, PH3: a duplex penthouse in the Financial District (located in the first and last residential building in the United States that was designed by architect Sir Richard Rogers) that boasts 5,403 square feet, 5 beds / 5.5 baths, a dramatic great room with 22 ft tall ceilings; a mezzanine; 2 private, separate elevator landings; magnificent floor-to-ceiling glass windows that overlook Tribeca and City Hall Park; a 1,08SF loggia terrace with direct, protected park-front exposures; a tranquil primary bedroom suite that is reminiscent of a European spa; and an open-plan ORNARE kitchen that features masterful craftsmanship, custom double-height cabinetry, and sleek material selection. This luxurious boutique home, situated in a dynamic neighborhood, is currently listed for a cool $19,500,000.

Watch the full episode HERE: https://youtu.be/xx3j930e1vI

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A Charming Los Angeles Home Full of Stylish & Eclectic Touches | Open House TV

A Charming Los Angeles Home Full of Stylish & Eclectic Touches | Open House TV

Join interior designer Elizabeth Gordon as she gives Open House viewers a tour of her charming Los Angeles home that is full of warmth and stylish details. This lovely mid-city residence features a mix of modern and vintage furnishings and unique textures that come together to create a space that is not only eclectic but personal as well. From the conversational art collection displayed in the living room to the dining room with its hand-hammered brass bar from Indonesia and table fashioned out of reclaimed wood, this residence teems with curated pieces that have unique stories to tell.

Watch the full episode HERE: https://youtu.be/xx3j930e1vI

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Escape to ultimate luxury: Resort living on Sydney Harbour

Escape to ultimate luxury: Resort living on Sydney Harbour

Step inside a jaw-dropping Vaucluse estate that offers the ultimate luxury living, with a guided tour by Highland Property

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Inside a Luxury Midtown East Apartment With Surprising Details | Open House TV

Inside a Luxury Midtown East Apartment With Surprising Details | Open House TV

Interior designer Katie Lydon shows Open House viewers around a stunning Midtown East apartment that overlooks Park Avenue. Upon being tasked with this renovation project a few years ago, the first item on her checklist was to open it up to allow natural light to flow throughout the space and maximize its full potential. From the dramatic entryway that packs a “wow” factor with its theme of reflective surfaces (as evidenced in the intricate floors and fantastic console & mirror set) to the use of high lacquer paint on the ceilings to give the illusion of height, this custom-built abode is full of sophisticated and surprising details.

Watch the full episode HERE: https://youtu.be/xx3j930e1vI

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The UK House CRASH IS HAPPENING! Is a NEW Property Cycle BEGINNING ?!

The UK House CRASH IS HAPPENING! Is a NEW Property Cycle BEGINNING ?!

Looking for more? Download Mark Homer’s FREE 42 Tips Guide → https://bit.ly/mhreport-yt

This is the video you’ve been waiting for since our last news update… is the UK House Crash happening?!

Our expert trainer and property investor Toni Gargan delves into the latest housing market trends and how they affect both buyers and sellers. With UK house prices plunging at their fastest rate since the 2009 recession, understanding these trends is more crucial than ever. Here, Toni will break down key points and their implications, ensuring you’re well-equipped to navigate the current real estate landscape.

📉 Price Plunge Since 2009: Forbes reported a significant drop in housing prices, and we’ll explore its implications for homeowners and investors alike.

📊 House Price Index Analysis: Toni breaks down the housing price index and explores its implications for you, highlighting both opportunities and threats.

📅 Month-on-Month and Year-on-Year Trends: Get a comprehensive view of the market’s health by analyzing both short-term and long-term trends.

🏠 Mortgage Stress Tests: Learn about the increasing requirements for new borrowers and what this means for your investments.

📈 The Internal Coverage Rate (ICR): Understand this crucial factor that lenders consider when assessing your mortgage eligibility.

💼 Investment Opportunities: Despite challenges, Toni highlights the exciting opportunities for property investors in the current market.

🔄 Cycles in Interest Rates and Property: Explore how interest rates and property markets work in cycles and how to make the most of them.

💰 Affordability Figures: Discover the changing affordability landscape and its impact on rental demand.

🤝 Creating Win-Win Scenarios: Learn how to provide quality homes to tenants and ensure a steady income stream.

📜 Government Legislation: Stay informed about new regulations, like the law for damp properties.

🔮 Future Predictions: Get insights into the potential Bank of England base rate changes and their effects on the market.

🔗 Links Mentioned:

[Government Legislation on Damp] (GOV.UK website) – https://www.gov.uk/government/news/government-to-deliver-awaabs-law

For more in-depth insights and tips on property investment, don’t forget to check out Mark Homer’s FREE 42 Tips Guide linked above.

00:00 Houses PLUNGE! breaking down the numbers
03:12 GOOD NEWS for the new and existing Investors?
04:30 NEW CYCLE IS STARTING?!
05:40 Affordability breakdown
06:40 Tenant Types are changing!
07:25 New Landlord guidelines!
08:02 Predictions
09:05 FREE DOWNLOAD

#buytolet #inflation #mortagerates #bankofengland #landlords #privatelandlords #housepriceindex

While balancing a full-time job and caring for two young boys, Toni accomplished the remarkable by creating a property portfolio capable of replacing her job income. Astonishingly, she achieved this in just under 12 months, starting from scratch and without any initial personal investment!

Toni embarked on her property journey after attending her first event in 2015, and she has since thrived, building a multi-million-pound portfolio.

At Progressive Property, our expert guidance arms you with the essential tools and expert guidance to conquer the world of property investment. Our method is comprehensive, taking you through every step, with personalized mentoring and a thriving community to ensure your success.
But our mission doesn’t end with education. We spark your love for property investment, guiding you through market intricacies and fueling your drive to excel. With unwavering commitment, unwavering dedication, and boundless potential, your investments and income can reach unprecedented heights

Are UK students being left homeless? Find out why property investing is crucial, especially in the student market, now more than ever ▶️ https://www.youtube.com/watch?v=v1d6ihkflwg

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For more property tips & information check out our best-selling property investment books on Amazon: https://www.amazon.co.uk/stores/page/36AF2897-9B80-475C-8107-044DBE06D014

WARNING Progressive Property will never give out their number in the comments of this YouTube channel. There is currently a channel impersonating Progressive Property and commenting on videos with a number to message about investing in cryptocurrencies so please beware of this.

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Building the World’s Largest Cruise Ship

Building the World’s Largest Cruise Ship

The Icon of the Seas is bigger than some skyscrapers.
Read about the creation of Royal Caribbean’s striking Miami HQ – https://bit.ly/3EFTFUl

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Additional footage and images courtesy of Royal Caribbean.

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https://www.linkedin.com/pulse/why-cheaper-build-luxurious-cruise-ship-than-building-lu-ding/
https://www.cntraveler.com/story/as-more-ports-ban-mega-cruise-ships-what-is-the-future-of-the-largest-vessels

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