Audio Books

Rise Let

NEW Let the Church Rise: How to Be an Ambassador of Act $6.96

Let the Joy Rise [Single] by Abigail (CD, Apr-1999, Interhit Records) $7.00

Rise, Let Us Be On Our Way, Pope John Paul II, Good Book $4.99

Let It Rise: A Manual for Worship by Holland Davis $5.98

3 Kids Cooking Club Books Pizza-Zazz & Lotsa Pasta, Let’s Do Lunch, Rise & Shine $7.00

BONGO BRAND – Jeans Size 3 Let Me B – LOW RISE Boot Cut $9.99

ANIMALS HOUSE OF THE RISING SUN/DON’T LET MEBE…/I’M CRYING, YUGO PS 7″ VINYL $9.00

VOLKER STRIFLER – LET THE MUSIC RISE [2/21] – NEW CD $12.64

VOLKER STRIFLER – LET THE MUSIC RISE [2/21] – NEW CD $9.64

RISE LET US BE ON OUR WAY $8.68

1945 WWII Patriotic Win The War Let’s Set The Rising Sun Crosby Cachet $14.99

Rise, Let Us Be On Our Way, Pope John Paul II, Good, Book $1.00

TODAY WE RISE – OVERCOMING THE ARCHETYPE – CD ALBUM LET $15.99

Rise, Let Us Be on Our Way $4.87

Rise, Let Us Be on Our Way – Hardcover $0.99

NEW Victoria’s Secret Pink Extra Low Rise Hipster Panty Let’s Party Glitter Med $5.50

JOHN PAUL II RISE LET US BE ON OUR WAY NEW HARDCOVER $3.99

Rise, Let Us Be On Our Way John Paul II,mint, first ed $7.50

“Victoria’s Secret” Sexy PINK “Let’s Do It” Stretching Low-Rise Lingerie Panties $20.00

“Victoria’s Secret” Sexy PINK “Let’s Do It” Stretching Low-Rise Lingerie Panties $20.00

“Victoria’s Secret” Sexy PINK “Let’s Do It” Stretching Low-Rise Lingerie Panties $20.00

Rise, Let Us Be On Our Way by Pope John Paul II, Pop… $2.00

Rise, Let Us Be On Our Way by Pope John Paul II, Wal… $3.95

Rise, Let Us Be on Our Way – Hardcover $1.00

RISE LET US BE ON OUR WAY $2.99

(New) Rise, Let Us Be On Our Way by Pope John Paul II (CD) $7.99

Cute Guess low rise denim jeans. Slight stretch slim let. Very gently used. $5.00

Let It Rise: Songs of Celebration (CD, Dec-2004, Word Distribution) $12.98

Rise, Let Us Be On Our Way by Pope John Paul II and Walter Ziemba $2.99

Rise, Let Us Be on Our Way by Pope John Paul II $1.00

VOLKER STRIFLER – LET THE MUSIC RISE NEW CD $21.05

Electric Wizard: Let Us Prey CD 2002 The Music Cartel Rise Above TMC60 Original $24.99

Rise, Let Us Be on Our Way – Hardcover $1.00

JOHN PAUL II RISE LET US BE ON OUR WAY POPE Poland $9.99

Let It Rise: A Manual for Worship, Holland Davis, New, Paperback $5.98

ANIMALS: The House Of The Rising Sun / Don’t Let Me Be Misunderstood / I’m Cryi $12.00

Rise, Let Us Be on Our Way – Hardcover $1.00

Volker Strifler Let The Music Rise CD $9.66

BONGO LET ME B jrs 9 LOW rise Stonewashed BOOTY blue jean shorts 31×2.5 $10.91

The Rise and Fall of Butch Walker and the Let’s-Go-Out-Tonites [PA] by Butch… $13.98

The Rise and Fall of Butch Walker and the Let’s-Go-Out-Tonites [Clean] by… $15.77

Rise, Let Us Be On Our Way, Pope John Paul II, Acceptable Book $1.00

Let Us Rise Up and Build NEW by King Moore The Great $23.85

Rise, Let Us Be on Our Way, Pope John Paul II, Good Book $4.99

Electric Wizard Let Us Prey (CD UK 2006) Rise Above SEALED! $14.99

LET’S YOU & I JUST SAY GOODBYE – RISE OF ROSIE O’REILLY $5.94

BONGO Let Me B jrs sz 9 Black White Speckles Flare STRETCH Jeans 29×31 Low Rise $12.58

FUNTOPIA – BEAUTIFUL PEOPLE / LET US RISE – IDLERS $9.39

Cancer Bats Let The Moon Rise T Shirt xL official new $15.16

BONGO LET ME B sz 0 LOW rise stretch Distress Flare leg jeans 24×31 $14.27

CD Remission – Let The Curtain Rise RARE SWEDISH CHRISTIAN AOR MELODIC FEEDBACK $39.99

Rise, Let Us Be On Our Way by Pope John Paul II and Walter Ziemba (2004,… $22.99

Rise, Let Us Be On Our Way Pope John Paul II Hardcover $10.00

Rise, Let Us Be On Our Way, Pope John Paul II, Very Good Book $4.99

Rise, Let Us Be on Our Way by Pope John Paul II $2.75

Let It Rise: Songs of Celebration by Various Artists… $6.99

Rise Let Us Be On Our Way Pope John Paul Audiobook $9.44

Rise, Let Us Be on Our Way – Hardcover $0.99

Rise, Let Us Be On Our Way by Pope John Paul Ii, Walter Ziemba and Pope John… $12.95

Rise & Fall of Butch Walker & The Let’s-Go-Out- $2.99

NEW – Let It Rise: Songs of Celebration $3.99

Let The Church Rise, Bethany Live, Excellent Single $13.49

ALL CHRISTIANS NOW REJOICE & LET IT RISE SHEET MUSIC $2.99

Let It Rise: A Manual for Worship – Paperback $1.00

NEW Rise, Let Us Be on Our Way – John|John Paul II $24.09

Let’s Make Up Card Friends Lovers Helping Hand Cute Rise Above Problems $2.45

Let Church Rise- Jeoffrey Benward (Cassette 1988) in NM $7.99

BOOK/AUDIOBOOK CD John Paul II Religion RISE, LET US BE ON OUR WAY $5.99

Rise, Let Us Be On Our Way, Pope John Paul II, Acceptable Book $1.00

Rise, Let Us Be on Our Way, Pope John Paul II, New Book $6.98

Rise, Let Us Be On Our Way, Pope John Paul II, Good Book $1.00

Electric Wizard(CD)Let Us Prey-Dreamcatcher RISE ABOVE-RISECD36-UK-New & Sealed $14.21

JEOFFREY BENWARD rare LET THE CHURCH RISE 1990 10 track FLETCH WILEY RON GRIFFIN $12.00

RISE LET US BE ON OUR WAY Pope John Paul II NEW Audio Book CD Unabridged MEMOIR $6.29

Let the Church Rise (2008, Paperback) $11.99

Rise Let

When Interest Rates Rise, Is There Any Protection For A Buy To Let Landlord?

As a buy to let landlord in the UK you may have mortgages on some or all of your properties.

It’s not uncommon for property landlords to opt for buy to let interest only mortgages to maximize their tax position and given rental income tends to be a regular amount, buy to let fixed rate mortgages are also popular.

Historically a buy to let landlord would probably have remortgaged at the end of a buy to let fixed mortgage onto another similar deal.

Many buy to let mortgage holders have indeed reached the end of their preferential interest rate deal recently but have found that in the current financial climate re-mortgaging to a new buy to let fixed deal is not always possible.

Property landlords are no doubt keeping an eye on base rate predictions and with limited re-mortgage choices many are concerned as to what the future has in store.

Going back only a couple of years the buy to let LTV was more generous than today with buy to let landlords able to borrow up to 85% of the value of their rental property whereas the maximum buy to let LTV is now only 75%.

Whilst many property landlords enjoy the security a buy to let fixed rate mortgage brings, many of them are no doubt currently enjoying lower monthly mortgage payments especially if their mortgage has reverted to somewhere in the region of 2% above Bank of England base rate.

If this is you, what should you do next?

The first step would be to talk to an experienced financial mortgage advisor to review your options. For mortgage brokers to help it’s advisable to have a clear picture of your portfolio in terms of how much rental income each property generates, the outstanding mortgage balance on each property and an up to date idea of the current value of each property.

This information will allow your mortgage broker to assess your options with you. It may be that remortgaging onto a new buy to let fixed rate mortgage is possible and the decision then is just whether you want to take up this option or continue to take advantage of the current low interest rate.

The question is, how much would interest rates have to rise by before it became impossible for you to maintain your mortgage payments?

The interest rate on buy to let fixed rate mortgages is currently around 5% with establishment costs of anything between 2% and 3.5%  so it’s not a cheap solution, but it will give you piece of mind that when interest rates rise, you are protected at least during your fixed rate period.

It may be that a review with your mortgage broker to highlight your options shows that a re-mortgage is not an option.

If your buy to let LTV is greater than 75% you will be very unlikely to find a lender to offer a mortgage.

If this is the case but you are still worried about the effects of an interest rate rise, there is another option.

There is an insurance policy available which can protect mortgage payments from rising interest rates without the need to re-mortgage.

If the Bank of England base rate rises, causing mortgage payments to increase, this insurance policy will pay out to cover some of the increase for up to two years.

This has been a very welcomed option for many buy to let landlords offering stability where previously a high degree of uncertainty was forecast.

This insurance policy will effectively cap your existing mortgage interest rate for a period of two years so you will know, irrespective of what the base rate does, what your worse case payments could be.

About the Author

For full details about this rate guarding policy or to review your existing buy to let mortgage arrangements contact one of the advisors at equate free on 0800 038 0098 or visit www.equatemortgages.co.uk.

Equates advisors are very experienced in the buy to let mortgage sector and are happy to talk to any property landlords irrespective of the portfolio size.

Review your circumstances now and regain control of what the future has in store.

William Murphy – Let It Rise