How to Get on the Property Ladder... | Buy

Are you a Lazy Coward, Hi-Flyer, Saver or Struggler? Whichever type of home-buyer you are this book will help you buy your first home sooner than you think. Remember, your first home is only a stepping stone to your final dream home, so the sooner you buy it the better.

Introduction	p. 1
My Property Ladder	p. 2
Why Should You Listen to Me?	p. 2
How to Buy Your First Home
So Why Buy a Property?	p. 7
The Psychology	p. 7
People's Fears	p. 7
The Fears and How To Overcome Them	p. 8
Real Life Examples	p. 9
Overall Fear	p. 10
The Benefits of Owning a Property	p. 11
Identify Your Status Ranking	p. 14
What is Status Ranking?	p. 14
Savings	p. 14
Income	p. 14
Credit History	p. 14
The Status Ranking Table	p. 15
Ranking Order Justifications	p. 17
Example People with Status Rankings 1-8	p. 17
Prime Lazy Coward	p. 17
Prime Saver	p. 17
Prime Hi-Flyer	p. 18
Adverse Lazy Coward	p. 18
Adverse Saver	p. 19
Prime Struggler	p. 19
Adverse Hi-Flyer	p. 20
Adverse Struggler	p. 20
So which Status Ranking Are You?	p. 21
Calculating Your Buying Power	p. 22
What is Buying Power?	p. 22
Increasing Buying Power	p. 23
Whether You Save Money and How Much	p. 23
How Much You Earn, How You Spend Money and the Amounts Spent	p. 24
Your Credit History	p. 25
Understanding the Mortgage Game	p. 26
The Importance of Understanding the Mortgage Game	p. 26
What Mortgage Companies Look For	p. 26
Whether You Save Money and How Much	p. 27
How Much You Earn, How You Spend Money and the Amounts Spent	p. 28
Your Credit History	p. 29
The Main Reasons Why People Are Declined	p. 31
The Different Types of Mortgages	p. 31
Interest Only or Repayment	p. 31
Interest Only Mortgage	p. 31
Repayment Mortgage	p. 32
The Interest Rate	p. 32
Whether There Are Any Incentives	p. 33
Choosing the Right Mortgage	p. 34
Increasing Your Buying Power by Increasing Your Status Ranking	p. 38
Introduction	p. 38
Your Level of Savings	p. 38
Liquidise Assets You Have Now	p. 39
Saving Some of the Income You Earn Now	p. 40
Not Spending	p. 40
Spending Less	p. 41
Your Level of Income	p. 46
Your Creditworthiness	p. 49
Your Past	p. 50
The Present	p. 50
Credit Repair Companies	p. 50
Increasing Your Buying Power Without Increasing Your Status Ranking	p. 52
Buying Power	p. 52
Vendor Incentives - Vendor Gift or Cash-Back	p. 53
Get a Guarantor	p. 55
100% + Mortgages	p. 56
Unsecured Loans	p. 56
Get a Partner	p. 59
Self-Certification Mortgages - No Proof of Income	p. 60
High Income Multiple Mortgages	p. 61
Shared Ownership Schemes	p. 61
Combining a Number of these Tricks to Quadruple Buying Power	p. 61
Getting Value for Money	p. 63
Looking for Properties that Are Not Advertised in Estate Agents' Windows	p. 64
Buying a Property that Needs Renovation	p. 66
Buying a Property Outside of Your Chosen Criteria	p. 67
Making an Offer	p. 69
Reference Section
100% Mortgage Lenders	p. 75
Adverse Mortgage Lenders	p. 86
Best of the Less than 100% Mortgage Lenders	p. 107
Cash-Back Mortgages	p. 113
Mortgage Lenders with Income Multiples Greater Than Four	p. 114
Guarantor Mortgages	p. 118
Self-Certification Mortgages	p. 121
Unsecured Loan Providers	p. 122
0% Credit Card Providers	p. 132
Credit Reference Agencies	p. 141
Auction Houses	p. 142
Affordable Areas	p. 144
Mortgage/Loan and Credit Card Providers	p. 150
Index	p. 151
Table of Contents provided by Ingram. All Rights Reserved.

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