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  • Thinking of Buying - HousePriceWiki
    in rather than investing Contents 1 Advantages of buying now 2 Disadvantages of buying now 3 If you must Buy 4 You should think about Advantages of buying now You don t have to pay someone else s Mortgage Why renting is not dead money You could make money Some think prices may go up say 5 Price Forecasts etc Disadvantages of buying now There could be a house price crash Prices will struggle to keep up with Real Inflation Price Forecasts Protection of capital see investments If you are selling for other reasons no transaction costs Loss of freedom During the House Price Crash Stamp Duty was reduced thus saving a significant amount of money etc If you must Buy Please make sure that if you are going to buy now buy somewhere that you can happily live for up to 5 or even 10 years In the event there is a House Price Crash you may have to wait that long before prices recover sufficiently before you are able to sell without making a loss Go for a long term fixed rate Mortgage You should think about Whether prices are curently rising or dropping The type of property

    Original URL path: http://www.housepricecrash.co.uk/wiki/index.php?title=Thinking_of_Buying&printable=yes (2016-02-09)
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  • Thinking of Buying - HousePriceWiki
    page is written for people considering buying a home to live in rather than investing Contents 1 Advantages of buying now 2 Disadvantages of buying now 3 If you must Buy 4 You should think about Advantages of buying now You don t have to pay someone else s Mortgage Why renting is not dead money You could make money Some think prices may go up say 5 Price Forecasts etc Disadvantages of buying now There could be a house price crash Prices will struggle to keep up with Real Inflation Price Forecasts Protection of capital see investments If you are selling for other reasons no transaction costs Loss of freedom During the House Price Crash Stamp Duty was reduced thus saving a significant amount of money etc If you must Buy Please make sure that if you are going to buy now buy somewhere that you can happily live for up to 5 or even 10 years In the event there is a House Price Crash you may have to wait that long before prices recover sufficiently before you are able to sell without making a loss Go for a long term fixed rate Mortgage You should think about

    Original URL path: http://www.housepricecrash.co.uk/wiki/index.php?title=Thinking_of_Buying&oldid=3579 (2016-02-09)
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  • Why renting is not dead money - HousePriceWiki
    current economic climate you should not consider renting dead money but a financially astute decision When renting is a better investment The general rule of thumb is that renting a property is a better investment than buying it when two conditions are met The cost to rent is cheaper than the cost of the mortgage interest plus maintenance on that property Property prices are static or falling To understand how this works we have to consider the two components of buying a property that can make it a good investment The value of the property may rise and you will make money if you sell the property Your mortgage repayment is ultimately paying off the cost of the property so that you will own it Now it s pretty easy to see why in a static or falling property market item 1 does not hold true Indeed in a falling market owning a property can actually become a liability likely to put you into negative equity see forthcoming article on the perils of Negative Equity Item 2 is a little bit more complicated The way this works is that if you are paying less rent than you would be paying

    Original URL path: http://www.housepricecrash.co.uk/wiki/Why_renting_is_not_dead_money (2016-02-09)
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  • Forecasting - HousePriceWiki
    inflation data and on forecast inflation data food prices up oil prices up taxes also up etc In addition forecasting is used by Estate Agents e g if house prices crash in 2008 then they will probably say We forecast 2009 will be a year of booming house prices See House Price Predictions on the home page of House Price Crash com Finally forecasting is also used by the weathermen to predict tomorrow s weather and we all know how accurate their forecasts are don t we Forecasting has been around for hundreds of years We have all been to a fairground where Gypsy Rose who for a sliver of silver peered in to the crystal ball and told us our futures Quotes The line separating investment and speculation which is never bright and clear becomes blurred still further when most market participants have recently enjoyed triumphs Nothing sedates rationality like large doses of effortless money After a heady experience of that kind normally sensible people drift into behavior akin to that of Cinderella at the ball They know that overstaying the festivities that is continuing to speculate in companies that have gigantic valuations relative to the cash they are likely to generate in the future will eventually bring on pumpkins and mice But they nevertheless hate to miss a single minute of what is one helluva party Therefore the giddy participants all plan to leave just seconds before midnight There s a problem though They are dancing in a room in which the clocks have no hands Warren Buffett Long ago Sir Isaac Newton gave us three laws of motion which were the work of genius But Sir Isaac s talents didn t extend to investing He lost a bundle in the South Sea Bubble explaining later I can

    Original URL path: http://www.housepricecrash.co.uk/wiki/Forecasting (2016-02-09)
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  • Investment - HousePriceWiki
    companies then have no choice but to go out and find property projects in which to invest in This is also the case for property unit trusts OEIC s and investment trusts At the time of writing April 2006 most of the large property funds are currently running and high cash levels of around 20 which is much higher than the long term average simply because there is too much money flowing into this asset class If you move down the scale to the medium size companies then the range of property investment becomes more diverse with more of a reliance on turning projects around quickly for a profit Many of these companies are looking for short to medium term returns on their investment rather that medium to long term Private developers Buy to Let This covers all the buy to let investors who either do this as a full time job or do it in addition to having a full time job and fit in developing around evenings weekends and holidays This is the area which has seen the biggest growth with the number of buy to let mortgage increasing from 120 300 in 2001 to a staggering 701 900 in 2005 This is without doubt the biggest factor in the current housing bubble which has been fuelled by the availability of cheap credit and low interest rates Secondary property investment It is also possible to invest in the housing market without getting your hands dirty There are a range of Unit trusts OEIC s Investment Trusts and various other property investment schemes to choose from You can also invest directly in the shares of house builders mortgage lenders or commercial developers Cash savings Cash can be invested in a wide range of savings account ranging from Cash ISA

    Original URL path: http://www.housepricecrash.co.uk/wiki/Investment (2016-02-09)
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  • Profit - HousePriceWiki
    of Profit and or Loss 6 See also Purchase Cost e g 100 000 pounds in 1997 Stamp Duty Legal Fees Mortgage set up fee Running Costs Mortgage Interest and Capital Repayments Council Taxes Inflation Insurance Maintenance Gas Electric Telephone and TV bills Selling Cost HIPS cost Estate Agents Fees unless you use Tesco or mousesale co uk web site or similar Mortgage exit fee Sold Price The house was

    Original URL path: http://www.housepricecrash.co.uk/wiki/Profit (2016-02-09)
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  • Stamp Duty - HousePriceWiki
    page Help Views Page Discussion View source History Tools What links here Related changes Special pages Printable version Permanent link Stamp Duty Stamp duty is the amount of tax you have to pay on the purchase of a property Click on the link for Inland Revenue calculator HMRC Stamp Duty Calculator See also Tax Retrieved from http www housepricecrash co uk wiki index php title Stamp Duty oldid 3443 Categories

    Original URL path: http://www.housepricecrash.co.uk/wiki/Stamp_Duty (2016-02-09)
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  • The type of property most at risk in a house price crash - HousePriceWiki
    tried to obtain maximum profit from the plots of land They have been overtaken greed and have failed to take into account that they cannot just keep on building flats and hope to keep on selling them Developers need to listen to their customers If they did then they would realise that the vast majority of buyers want affordable 3 4 bedroom semi detatched family houses Even now these new

    Original URL path: http://www.housepricecrash.co.uk/wiki/The_type_of_property_most_at_risk_in_a_house_price_crash (2016-02-09)
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