How you can save £36,285 on an average £100,000, 25 year, UK mortgage or UK remortgage - The insider secrets.

Do you wonder whether you have the best mortgage? And at the end of the day if it makes much difference, to the money you can save, - consider this:

The average UK mortgage loan is currently £100,000 (which for most is the largest financial transaction in their lives).

Well recent research shows:

That 54% of them are not aware that they can save serious amounts of money on their UK mortgage.

Most do sincerely hope that their bank or building society will give them impartial advice.

Borrowers wonder why so much of their income is spent on mortgage payments, and yet are frustrated by the fact that the debt hardly reduces - did you realise that the average mortgage interest rate over the past 25 years is 7.25% (although it was over 15% in 1989).

A typical £100,000 mortgage would have cost an eye watering £216,843, but remember as you make repayments from net (after deduction) income, the true cost was £290.139 or £73,296 more - no wonder borrowers are not reducing debt quickly.

Borrowers also wanted to be certain they had the best type of mortgage - they were confused by conflicting advice.

There is a fear that rising interest rates could create hardship, or even the loss of their home.

Lenders were strongly criticised for using jargon language, and loads of small print.

Each time you move home or raise extra money the pain and uncertainty is repeated (even if you ignore it the rest of the time).

Some borrowers are concerned that if they become ill or are out of work they will lose their home.

The Home Truth is that you probably would rather not know!

Mortgage Lenders (and particularly the increasing number of banks) love to make maximum profit from you each time you borrow from them - so they design mortgages that work for them, not for you, accept that, and you are part way to the solution of gaining mortgage freedom.

Do you realise that the lenders change every element of the mortgage and connected buying process (including the way they charge interest) to boost their already high profits, by building in a "house profit" (similar to a casino), so keeping you captive for as long as possible.

Figures produced by the Association of British Insurers also confirm that the highest number of complaints by owners of endowment mortgages were sold by lenders, whilst the majority of their customers still buy expensive buildings and contents insurance policies from them.

Sadly an ever increasing number will still be paying a mortgage in retirement.

In the past the minority of canny borrowers who have `taken action to improve their lot` have largely concentrated on lower monthly mortgage payments, which is only one of the benefits available, often spending thousands in fees first, for advice on what to do.

If you are serious about finding genuine, objective and truly impartial advice about UK Mortgages which is easy to use, and lucrative professional hints about buying property at home or overseas, at last you have found it.

written by Charles Reading a fully qualified 27 year veteran of the UK mortgage and property scene.

"I am angry, because at least a couple of times each week I see clients who have been manipulated by UK mortgage lenders, which places them under enormous financial pressure. It really shouldn’t be this way because back in 1997 the banks and building societies introduced a fair dealing agreement (called the mortgage code) to set out minimum standards which borrowers should expect.

You wouldn’t believe the result, many of them have devised a whole new raft of methods which they use to extract large sums of money from you, and they do it in such a subtle way that you will probably not even notice.

In the past the conventional wisdom was to borrow as much money as possible, over as long a period as available, however times have changed (the opposite is now the case) - interest rates in real terms are high, not low. Many people find it difficult to accept this, and so are quite happy to become almost `manic borrowers` - and while house prices are rising faster than the real rate of interest they don’t worry too much. Should house prices slow (or even fall) whilst interest rates increase, this could be a very painful experience".

This unique manual contains all the devious tricks that lenders use every day to extract vast sums of money from their loyal borrowers, plus in 150 pages it systematically, and for the first time, reveals in plain English all the information you must know to enable you to easily counter their ploys, and negotiate the tricky maze that is the UK mortgage market, to achieve first class results.

"The catch with this program is that the majority of borrowers will not get the chance to see it- I am a teacher, and wish this information could be taught to my fifth formers. It’s so clear and easy to follow that it has really changed my financial life. I have had a number of mortgages, and it was only when I was recommended to this, that I could work out how I have paid excess costs for years. Anybody who has, or is even thinking about getting a mortgage should buy this program immediately"
R Hughes Berkshire.

	How to know immediately if your lender is misleading you.
	How to convince your current mortgage lender to improve your mortgage willingly.
	How to find the lenders without branches who don’t advertise, but will give you a better deal than the `famous big spenders`.
	Why most "best buy tables" don’t work for you, but lenders love them.
	How avoiding the mistakes made by 9 out of 10 borrowers you can avoid wasting years of excess interest payments.
	Why you should never take a mortgage from your bank.
	The lightning quick strategy provided for you, to secure your ideal mortgage fast.
	Endowment mortgage holders really do need to know the truth now.
	How first time buyers can get the best deal immediately.
	How to avoid the many large mortgages which can cost you a mint.
	How you can still get a mortgage even if you are on a low income.
	How to design your own favourite mortgage and calculate the best amount for you to borrow.
	How knowing the difference between a "good and bad mortgage penalty" can give you the advantage.
	Lenders continually manipulate you with interest rate changes - how to fight back.
	How to protect you credit rating, to ensure you are always offered the best deal available.
	Self employed? Special solutions can provide a clear advantage for your future.
	Why you should tell your lender the monthly cost of your loan and not them tell you.
	How you should avoid poor value insurance policies.
	Why you should choose your mortgage very carefully if you or your partner have had credit problems.
	Effective methods you can take to improve your credit score.

If you will just read chapter 7 of this self help manual you will know more than 9 out of 10 borrowers, read the whole thing, and unbelievably you will know more than the majority of people working in the industry.
The more you read this incredible information, you will see clearly that by selecting the topics relevant to your own situation, you can simply use the insider secrets divulged in this program to gain `an edge` over lenders (even if you stay with your current one), by obtaining your mortgage on the best possible terms, both in cost, and fair plain English conditions.

Quite frankly even if I had enough energy (I am no teenager any more) they couldn’t afford me. You see to sort out a mortgage problem I charge a minimum 1.5% of the loan (yes that is £1,500 on the average mortgage, and I confess I only have time for existing clients) but to manage the mortgage throughout its duration fellow professionals charge 3% plus. That doesn’t mean that borrowers don’t get good value from a managed mortgage - they do because the can save many times that amount, but some can only afford it by borrowing the extra money - which defeats part of the object.

So I set out to develop a simple and straightforward system which provided all the help that both first time buyers and existing mortgage holders could use, to do the job themselves. After months of painstaking research I compiled this self help manual which talks you through all the insider secrets that will empower you to both design your own mortgage, and get the most competitive terms from every lender in the UK - saving you thousands of pounds. But most importantly I wanted to make certain it was available to everyone, and at an affordable price - the cost of a decent meal out for couple".

"I had a few problems with my mortgage due to my wife’s illness, I missed some mortgage payments, and built up some extra debts - so I thought I’d sort it by taking some cash out of the house. I went to a mortgage broker who charged me a big fee, took ages to come up with a deal, but at a massive 9% interest rate, so I told him what he could do with it. My brother put me on to this - which has sorted me out, if I had known all this before I wouldn’t have messed about in the first place. I now have a great deal with easy monthly payments - this is the best cash I have spent. Hopefully the wife will be fit to go back to work soon - then I am going to use the accelerator option to get ahead of my debt. I still haven’t found anybody to pay my mortgage off for me , but this stuff is the next best thing. Thank You.
S Allen Truro Cornwall.

1. Most mortgage and home buying books and magazines are sponsored (directly, or indirectly by paid advertising) by banks and building societies, or written by journalists, the former may be educational but have a vested interest in teaching only the theory, but will not include the practical help to save you money, whilst the latter may be engaging, but is often unintentionally highly misleading.

2. Well meaning consumer bodies obviously try to help but as they simply don’t have the detailed knowledge, and unfortunately are no match for the highly paid and `street-wise marketers` in the lending industry- you need real practical down to earth experience fast.

3. Instead of just telling you how mortgages work, this program is dedicated to providing you with all the resources you will ever need to design your own personal `best buy` mortgage, shows you where to find it in the market, tells you what to say to the lender, and gives precise details on how and when to complete the paperwork.

4. Too many vested interests by `those in the know,` restricts the availability of this lucrative information, which you will shortly be able to use repeatedly over future years as long as you have a mortgage.

"I am a qualified building society manager, and yet even I learned a new trick or two, I have actually used this to get a further reduction on my own mortgage (hope the boss doesn’t find out). Excellent for both first time buyers, and experienced homeowners, or for those who are remortgaging. I cannot recommend it highly enough - this should be required reading for anyone who needs to borrow to buy their own home".
T Smith Dorset.

But this is not just about gaining financial freedom, but also maximising the value of your home or other property investment.

In addition to explaining in detail how to deal with mortgage lenders, detailed information is provided concerning:

	When you really should see an Independent Financial Adviser, and how to deal with him (including the way to make sure he will consider all the options for you).
	How to motivate Estate Agents to bring you their best properties first, and what to say to them to keep your V.I.P. status.
	The best way to find a good Solicitor, together with the detail of what they do, so you can be confident in your dealings.
	How to select the right property for maximum gain, as well as those you should walk away from.
	Essential information for those buying property overseas.
	A glossary to explain all the jargon language so (that if you want to) you can impress industry professionals.
	A quick and easy way to test new investment and `buy to let` properties to discover if they will be profitable.

"I am in the army and was fed up with living in married quarters so I found a house and borrowed the money on one of these cheque book type mortgages, where you have your pay set against the loan at the end of the month to reduce your debt, and repay the loan early. The cheque book made life easy to buy furniture and I even qualified for a Volkswagen duty free while I was stationed in Germany. The only trouble was that my debt was not reducing at all - in fact the exact opposite and it was getting tougher to make the repayments. When I was introduced to this program I learned things I had no clue about (and could kick myself looking back). I have since been able to persuade one of the largest banks that didn’t know me from Adam, to offer us a new mortgage on very fair terms, I would recommend this information to anyone who is ever likely to borrow money".
G McLennan Edinburgh

It is unfortunate that many lenders consistently and deliberately create confusion in the way they market their mortgages and related insurances (often they are the ones with `customer care departments`). There are 6 questions you absolutely must have the answer to before you commit yourself to for any type of mortgage:

Warning! Do NOT get a mortgage unless you know the answer to ALL the following questions.....

1. Do you know how to tell if a mortgage lender or broker is telling you a rate over the telephone just to entice you into their office ... or can they really deliver what they promise?

2. Do you know how to compare various lenders’ offers, or are you at the mercy of people who know more than you do, and just want to sell to you?

3. Do you know exactly what to do in order to cut 5-10 years of interest off your mortgage – safely, legally, and without over-committing yourself?

4. Do you know how to swap your current mortgage for a better one - even if you don’t change your existing lender?

5. Do you know why getting a written "approval in principle" is just a waste of time... and can actually reduce your chance to negotiate the best deal?

6. Do you know the questions to ask any lender to make sure they aren`t just using "smoke and mirrors" to get you into their office so they can "sign you up"?

"I have worked in the financial services industry since I left school, and have always been lucky enough to have the perk of a subsidised staff mortgage. However last year I was made redundant, and the company gave me 3 months to replace their mortgage. It was only then that I realised what a nightmare finding the best mortgage had become. I actually trained people about all this, and I knew that the market is constantly changing, but nowadays there is so much small print, that the cards are stacked against the borrower. This information bought me right up to date and allowed me not only to replace my mortgage at a saving over my subsidised version, but also to give me a credit line which I can draw against if needed at any time in the future, at rates cheaper than my own bank could provide. Absolutely brilliant Charles".
A Williamson Surrey

While you are sitting there reading this information, you begin to understand why you must be absolutely certain that you know which type of mortgage is right for you? - not just capital repayment or interest only, but fixed or capped interest rates, flexible, discounted, cash back, or variable rate etc.. You must choose yourself, because there is no one type of mortgage that’s right for everyone - but with this program you will know very quickly which is the best solution for you.

You will be able to cut through the jargon and small print to confidently secure the best mortgage on the fairest terms.

Gain peace of mind by knowing that you have the finest possible impartial and informed advice - yours.

Escape mortgage slavery and secure your financial freedom, and start living again.

"We were first time buyers, and although lucky enough to have inherited enough money for a deposit, couldn’t find anyone who would lend us enough, based on our joint incomes to buy our flat. We checked out the section on the right type of property to buy, and followed the guidance outlined in the course, which pinpointed who would lend us the amount we needed, and how we could keep it under the "target maximum costing." This has saved us a fortune already and we want to get in a situation to clear our mortgage at the first opportunity - our friends now ask us for advice, - as you say the best advice is not to borrow or lend money to anyone!"
L Jones & V Murphy Essex

Warning:

As you can imagine UK banks will not be happy that you are able to discover the insider secrets that allow them to generate giant sized profits at your expense, and are likely to use their considerable influence with the authorities to prevent distribution of this information. Strangely the regulatory controls actually protect them, by only authorising regulated advisers to help you. This manual therefore does not advise - instead, it does something which is much more powerful, by actually empowering you to solve the problem yourself, whilst providing you with all the professional tools you do need but which you can’t normally access.

The advantage is not merely saving £3,000 in arrangement fees (on the average mortgage) but the peace of mind of knowing that you can consistently save many thousands of pounds on both current and future mortgages, while regaining control of your life, and truly living your dream.

In contrast, do you know what most people are doing right now?

They’re stuck in offices, factories, shops, in meetings or on the road. Not because they
want to of course, but because they’ve got bills to pay … mortgages to pay … families to
look after … loans to repay … they have no freedom at all really.
Is that what you want to do for the rest of your life too? Stuck for hours working all your life in a job you don’t even particularly like just to keep your head above water?

Its just no way to live the rest of your life is it? Just think… What you’d really rather be doing if you had all the free time you wanted? And enough money to enjoy it. What would your choice of
lifestyle be? - you probably wouldn’t want to do what you currently do for a living for the remaining term of your mortgage. When you have no boss … no job … no financial ties … your life is going to become a lot more care-free.

Invest in your personal copy immediately while it is still available - our secure credit card processor is Paypal - it is just too risky for us to rely on a UK bank as you will now appreciate.

Iron Clad 100% Money Back Guarantee!

Is the manual guaranteed? - the immediately downloadable ebook version certainly is, so secure your copy now. You have a full 90 days to absorb the information and implement the strategies, then in the unlikely event that you are not happy, just let us know and you can have ALL of your money back. That's a full 100% refund, you see we know the real benefits that borrowers have obtained and we don`t want anything to stand in your way of taking immediate action which can positively influence your financial future (the hard copy version is offered without this offer due to the additional administration costs involved).

So we have made the offer as much 100% risk free as possible. You can't lose except for not accepting this opportunity.

Isn't it time now to take action? Aren't your dreams worth it? Aren't YOU?

Hard copy bound version is available as previously advised (although due to demand there is currently a four week waiting list) at £99.70, or you can simply obtain an immediate digital download in PDF format which should run on all computers at a reduced cost of just £47.70. (you may need the free Adobe PDF reader if it is not already installed on your computer, just click here to download it:

http://www.adobe.com/products/acrobat/readstep2.html.

The reason the downloaded version is under half price is that we pass all the savings that we make in storage, postage, and administration straight back to you.

An alternative method of obtaining the program is to forward a cheque or postal order for either £99.70 or £47.70, with your name, address, and email address to:

Publishers of enlightening information

22a Normandy Street
Alton Hampshire
GU34 1BX
email: ukmortgage@momentumpublishing.com

© Copyright 2004 Momentum Publishing All rights reserved.

As credit reference agencies are becoming very precise in exposing even minor late payments, we are including a Very Special Bonus report titled How You can Save Hundreds By Repairing Your Own Credit Rating. A number of firms charge a small fortune for this information - even if it doesn`t apply to you at the moment, it is important knowledge that you should be aware of.

PS. Remember this information has not been made available to the public before, and the powerful vested interests within the institutions will attempt to stifle distribution of it - so act while you can.

PPS. The `truly Independent Financial Adviser` is the only other source that can provide some of the high value solutions available within this program (in certain circumstances we may recommend an IFA should be your first port of call), however you won`t receive the full range of additional information provided, for example: selecting and negotiating the best property deals, the updated real time lender rates to enable you to keep managing your mortgage in future years, while also avoiding the substantial fees involved.

Q. What experience does the author have?

A. He has spent the last 27 years in the property and finance industries, and held senior management positions with household name firms. Charles is a fully qualified financial adviser and estate agent operating his own business in the south east, having advised thousands of clients over the years in both residential and commercial transactions. Back in the 1980s when working for a lender he had personal authority to approve mortgage loans up to £500,000 (a tidy sum then) and so is well versed in all aspects of both borrowing and property purchase.

Q. Is it really possible for me to save so much money on my mortgage?

A. The manual includes 21 lucrative strategies, (each of which has been used by the author to the benefit of his clients) to suit their individual circumstances. Each plan has the potential to save substantial sums, however as you would expect the actual figure will vary depending upon the amount of your mortgage and the remaining years left on it. Whilst some borrowers can combine a number of the techniques, others perhaps one or two, however past experience has proved that the overwhelming majority have saved really worthwhile amounts, (some well above the averages quoted) and have been absolutely thrilled with the results.

Q. I don`t know much about mortgages and money - how easy is it to follow this information?

A. Well it is specially designed to be used by homebuyers with all levels of experience, from first time buyers to veterans. Interestingly enough, the feedback we have received confirms that readers particularly appreciate the easy to follow guide, and clear explanations in plain English.

Q. Will this information help me get a mortgage?

A. It certainly will, as not only will you swiftly work out on your own the mortgage which suits you best, but also it will enable you to immediately identify every lender which will be prepared to lend you money on the very best terms possible.

Q. Would my existing lender get upset if I use this information against them?

A. Lenders operate in a commercial and competitive market, and in our experience (providing you are not overly aggressive with your new found skills) you tend to actually gain respect from them if they understand that you are `an informed buyer.`

Q. Mortgage rates change frequently, so will this information be out of date if I want to use it in 6 months or next year?

A. This is one of the main advantages of this format, as the resources available include `a real time mortgage search facility` which is available 24 hours per day, for 365 days per year. The data being continually updated to ensure you can always access the latest information (in fact on some occasions we have been able to tell branch offices of their latest mortgage products before their own head office has confirmed the details)

Q. Why do I need to buy this when I can buy a cheap monthly magazine or newspaper to get the information?

A. You may remember that `best buy tables` can actually work against the borrowers best interests - the reasons lenders are so keen on them is that they can present their mortgage products to show well, as the small print conditions don`t feature. Interest rates are just one factor in the total mortgage selection process, and of course you need to know which of the 21 strategies to employ to gain the major advantage. We also find that often lenders provide limited amounts of money for fixed, and capped rate mortgages which monthly periodicals can`t keep up with.

Q. If I just telephone my mortgage broker, wouldn`t he just give me the best rate - saving me the trouble?

A. There is a section of the manual devoted to explaining the method to working out who you are dealing with - all brokers are not equal. Some are truly independent whilst others are not. In addition you will realise by now that a mortgage is such an important transaction in your life, that you need to take control and ensure you are managing your mortgage and the professionals you choose to work with be they financial, legal, or property people.

Q. The cost is quite high for this manual - is it really worth it?

A. You would expect us to say yes, and we do without any reservations. One of the main reasons is something called `opportunity cost` a smart way entrepeuners work out whether the potential reward of a course action is worth the investment risk. In this case if you have a reasonable size mortgage (say £50,000 or more) with 10 years or more to run - you can be very confident that substantial savings possible will make the purchase price seem a great bargain.

Perhaps you are familiar with companies that specialise in sharing any savings available from overpaid tax or bank charges etc. Such organisations often charge 20-25% of the amount saved, in this case as the amounts are vastly greater, if we offered a similar service (because we know the positive results achieved) we would deem it to be an unfair business practice.

If you are still in doubt order the ebook version which has a full 90 day money back guarantee - we take all the risk.

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