Many people will never realise the best investment ideas are usually the simple ones. You have to look for the greatest return but with a very low risk factor.

Try and disregard the current property downturn as historically house prices do increase quite dramatically over the years. Property investments can still be a good investment for you.

A good property investment relies on the old saying location, location, location. Location is the number 1 factor when looking at property investment.

In the UK house prices double about every ten years. In view of this property investments can still be quite lucrative. Property investments are a great example of the simplest ideas being great investment ideas.

Let me spell out a quick example. We’ll keep figures nice and round for ease of calculations. A house is bought for 150k and on average ten years later it should be worth around 300k.

On that example you should regularly shop around for the best deals on mortgage repayments as we could be talking about a lot of cash. Remember you always need to keep some cash available for the next good investment idea.

**Not so much a great investment idea but using our mortgage overpayment calculator you can find out how to knock years off your mortgage**

Back to what we were on about before.

Try to get the best mortgage rate you can. Shop around and change if you have to as it could make a huge difference later on. With property investment ideas a mortgage forms an important part of future profits.

So many new investors are caught out by the peaks and troughs of the property market. They get in late and buy at a peak. Then panic and try to sell in a trough. This is a guaranteed way to lose money and confidence.

If simple equals best then you need a simple system to profit from any investment ideas you have. If you are looking at property, here’s a simple formula…Get in on a trough, get the best location you can, get the best mortgage rate you can, get the best management team you can to manage rentals.

For centuries it has been proven that the best ideas are the simplest with the wheel being a prime example. Don’t over complicate matters in your search for a good investment idea, after all simple is best. Click this link for some good investment ideas

A lot of people probably don’t realise that the best investment ideas are usually the simplest. One of the secrets though is knowing where to go for the lowest risk but with the best return.

Property prices do increase a lot over the years, which is hard to believe as we suffer a terrible downturn. You can still make a decent low risk investment out of property.

When looking for a good property investment remember the age old adage, LOCATION, LOCATION, LOCATION. If you are looking at a property investment then location is number one on your list.

Property prices usually double every ten years in the UK. You can make the most of your property investment knowing this. Great investment ideas are usually the simplest and property is one of the simplest, and best.

A quick example of a property investment, keeping figures simple. Invest in a house for 150k and keep it for ten years. It should be now worth circa 300k.

On that example you should regularly shop around for the best deals on mortgage repayments as we could be talking about a lot of cash. It’s always a great idea to have some cash at hand in case another great investment idea comes along.

**Not so much a great investment idea but using our mortgage overpayment calculator you can find out how to knock years off your mortgage**

OK, back to the article now.

Searching for a good mortgage can be time consuming but worth it in the long run if your investment idea is to be profitable. With property investment ideas a mortgage forms an important part of future profits.

People new to property investment often get their fingers burned by the ups and downs of the property market. They get in late and buy at a peak. Then panic and try to sell in a trough. A sure fire way of losing money equating to a poor investment idea.

If simple equals best then you need a simple system to profit from any investment ideas you have. If you are looking at property, here’s a simple formula…Get in on a trough, get the best location you can, get the best mortgage rate you can, get the best management team you can to manage rentals.

As the wheel is a classic example, simple ideas usually tend to be the best. Don’t confuse yourself when searching for a good investment idea. Simplest is best. Click this link for some good investment ideas

We’ll have a look at what benefits there are to a fixed rate mortgage for you.
We’ll then take a look at an overpayment calculator for your mortgage.
Security comes with the fixed rate mortgage, whereas huge savings can come with the overpayment calculator.

Fixed rate mortgages are one of a few different types of mortgage available.
The interest rate is fixed, usually for a number of years.
Because the interest rate is fixed, so are your monthly payments.

What, if any, are the up sides to fixed rate mortgages?
No need to worry about fluctuating interest rates. Your rate and your payments are fixed.
You can benefit by knowing your monthly payment is fixed which allows you to budget more effectively.

Your payment is locked so it really doesn’t matter what the general rates are doing.
There have been some alarming short term interest rate rises in our recent history.
People on variable rate mortgages are much more likely to be affected by rapid rises in interest rates.

There are a few situations when a fixed rate mortgage may be a bad decision.
If you suddenly have an extra family member and need more space. Or you are simply considering moving home soon.
Any sort of situation like this can cause unexpected charges by way of redemption penalties.

Fixed rate mortgages nearly always come bundled with a redemption penalty.
These charges can be pretty steep, and come at a time when you don’t need the extra stress.
If a charge like this will hurt you then you must think very carefully before taking a fixed rate mortgage.

During the term of your mortgage it’s worth considering paying a bit extra each month if your budget will stretch.
You are not tied to make the same payments for the duration of the mortgage, usually 25 years.
Lenders prefer you to make payments like this but they never inform you that you could pay extra if you wish.

What are the up sides to paying extra each and every month?
The extra payments reduce the sum owed quicker and the result is you save years off the term of your deal.
You also save a lot of money in the process, sometimes a staggering amount.

What does a mortgage overpayment calculator do?
You enter your mortgage details. The amount borrowed, the length, the interest rate etc.
You also enter a figure that you want to overpay. You can play around with this figure.

You get to see what sort of length in years you can knock off.
It also gives you a figure in cash that you can expect to save.
Both the years and cash saved obviously increase if you put in a higher overpayment figure.

You might be pleasantly surprised at the savings to be made.
If you borrowed a hundred thousand at five percent over twenty five years.
You could save over twelve thousand and shorten the mortgage by more than 3 years just by paying an extra 50 each month.

Nice savings on a 50 extra payment. But what happens if you pay an extra 100 though?
We’ll use the same mortgage example figures but pay 100 extra.
This saves you more than 20,000 and knocks a respectable 6 years off the term.

An extra advantage is you won’t have any payments to make during the last few years of the mortgage.
By paying a little extra now, you could easily be mortgage free well before you ever expected.
You won’t hear this info from any lenders though. You need to discover info like this for yourself.

If we go back to the extra 100 each month where we managed to shave six years off.
A six year saving translates into about a forty grand saving in cash.
You can do what you like with this extra as it never needs to be paid to your lender.

There you have a few benefits of going for a fixed rate mortgage.
You get a good night’s sleep and regular level payments.
We also looked into the future and saw some big savings if you can make a little overpayment now.