Property investment guides? What will happen with interest rates in Europe? Higher interest rates have been predicted for years, but everyone was wrong. Interest rates are still very low – stabilising at best – but they are certainly not rising significantly. Europe is now in a situation with interest rates mostly below 1%. Without any inflation, yields or potential profits will not rise. Despite this, investors know that if they buy today, they benefit from financing at a very low cost of borrowing. This trend is occurring almost everywhere in the world; housing markets are very popular, as everybody is trying to finance or refinance their mortgage to acquire a home while mortgage rates are so low. Many investors ask about the artificially low interest rates: how long will they last? Another year, two or maybe three? Nobody knows for sure, but we do know that interest rates will rise again. We may then have a serious market problem; if you bought property, whether commercial or residential, with low yields of 3–%, even a 1–2% rise in interest can have a serious influence on your profit return.

When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can.

Being careless with credit. Lenders pull credit reports at preapproval to make sure things check out and again just before closing. They want to make sure nothing has changed in your financial picture. How this affects you: Any new loans or credit card accounts on your credit report can jeopardize the closing and final loan approval. Buyers, especially first-timers, often learn this lesson the hard way. What to do instead: Keep the status quo in your finances from preapproval to closing. Don’t open new credit cards, close existing accounts, take out new loans or make large purchases on existing credit accounts in the months leading up to applying for a mortgage through closing day. Pay down your existing balances to below 30 percent of your available credit limit, and pay your bills on time and in full every month. Read extra information on this website.

This is where the groundwork is laid for the search for your new home. There are several points you should cover in your initial consultation. For example: Define your needs; the number of bedrooms and bathrooms, size of the kitchen, where you want to live, your price range, timeline, etc. Determine when and how often you can look at prospective homes. Verify your contact information and how you want to be contacted (email, phone, etc.) Ask your agent about financing. They can explain the different types of available loan programs, and refer you to lenders that can answer specific questions. Review the paperwork. While not necessary at this point, reviewing paperwork will allow you the advantage to ask questions about documents before it’s time to sign them.

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