New Equity Release Lender More2Life Launches New Products

Signs that the equity release market is beginning to spark into life again, can be evidenced by the re-emergence of a former lender in the market.

More2Life have joined forces with annuity specialist Partnership assurance to re-launch their impaired life roll-up lifetime mortgage plan.

Incorporating an impaired life facility & protected equity guarantee, the More2Life equity release plan can be seen to be opening a niche market for itself. The impaired life facility means that depending on health & lifestyle, a higher than normal tax free lump sum can be achieved, should serious health issues be present.

The More2Life equity release plan has been designed with three scenario’s in mind: -

1. Enhanced plus – industry leading maximum release, impaired life product

2. Enhanced protected – impaired life plan with ‘protected equity guarantee’

3. Protected plan – older applicants looking for a ‘protected equity guarantee’

Pitching the enhanced plus plan at the maximum release end of the market means that should the applicant qualify on medical grounds, they would have the highest lump sum currently available. This would even surpass the current Aviva Lump Sum Max product, although this would be at the expense of a higher interest rate with More2Life.

The following percentages are the maximum releases available on the Enhanced Plus: -

Age 55 23%

Age 60 28%

Age 65 33%

Age 70 38%

Age 80 48%

Age 90+ 54%

For example, an applicant aged 65 with a property valuation of £250,000 & meeting the underwriting criteria, can release a maximum of £82,500 on the enhanced plus plan.

The interest rate for this product will be 7.49% monthly.

The second product – ‘enhanced protected plan’ is also based on health & lifestyle grounds & again can provide an enhanced lump sum. However, to qualify for this equity release scheme the health situation will not be a serious as the enhanced plus. The interest rate for this plan is lower at 6.99% monthly.

Another feature of this plan is the ‘protected equity guarantee’ which is included & guarantees a percentage of the property for the children/beneficiaries on the eventual sale of the property.

The guarantee works as follows: -

Should the overall facility available be £80,000, yet only £40,000 is taken, then 50% of the final sale value will be protected on sale.

This can be an essential tool for applicants who wish to ensure that a guaranteed inheritance is passed onto their children.

The final option is the ‘protected plan’ which has no impaired life facility, but does include the protected equity guarantee. The interest rate is the same as the enhanced protected at 6.99% monthly.

Financing And Refinancing Through Commercial Loans

Business establishments all over the world need a proper channel of cash flow so that they can maintain regularity in growth and diversification. As it is rightly said, finance is fundamental to the growth of an old business and vital for any businessman to put the business planning take into action.

Loans for business purposes are available by pledging commercial properties or by borrowing without supplying any security. In both cases, there are lots of differences like the loan eligibility, the rate of interest offered by the lender, the loan tenure and repayment conditions. A successful business project is very often an organized one. You have to plan it well and supply with right dose of capitalization. If over capitalization of business can result in lower earning per share, the under capitalization can also have its negative effect in the form of unnecessarily high stock prices that are unrealistic.

A successful businessman always takes care of under investments and over investments. More complex financial aspects are taken care of by the financial experts and brilliant business minds. But, arranging for the daily cash flow requirement is relatively low level task that is handed over to the delegates having authority to deal with day to day functioning of the company. Business loans are one of the easiest means to ensure that any shortage in funds is met effectively at lower rates and in a competitive environment.

If you are seeking funds for a new venture, it will be perfect to take care of every possible aspect so that no problem arises later on. The root level problem that people face is the lack of knowledge when they go out and start searching for a commercial loan at low rate [http://www.loans-park.co.uk/commercial-loans.html]. The second obstacle comes when finance is made available to you. It relates to how to generate profits out of it so that interest payments can be justified. Both these things can be answered by a well-planned and well-implemented course of action. There should be a clear-cut plan of what you are going to do with money and how you are going to generate the profits. This should be your biggest and legitimate concern if you are to reach the top of the business world.

Market trends and in-depth knowledge about the business is necessary before take a plunge into it. If you are not confident, it is not advisable to take commercial business loans and risk your capital; business is surely not a fun expedition. On the other hand, there are people who lose valuable opportunities because they think that the cost of capital is too high. The market rates are bound to fluctuate in the market. There is an opportunity to refinance commercial loans if the interest rates fall drastically in the time to come. So, do not waste too much of your precious time and proceed with your plans if you are confident of the business project you are handling.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting ask4loan.co.uk as a finance specialist.

Special Tie Boxes That Can Help You Launch Your Brands Successfully

Everything about packaging is centered around creativity. Once you get it right the first time, you will achieve all round success in your business. Packaging is one of the factors that distinguishes one particular product from another of the same type. The specially customized tie boxes, with interesting color themes and schemes, have the capacity to attract potential buyers to your product. A lot of companies that are doing well in business today, especially with their sales figures and brand popularity have really invested a lot in their packaging, as well as the product itself. New companies, looking forward to launch their brands in the market, should ensure that the quality of their product’s packaging is worth looking at.

Another wonderful thing about the tie boxes, is the quality of material use for their production. This material, plays a very vital role in its presentation. Leading brands in the market today, have achieved some level of success today, courtesy of the packaging material used, as well as the styling of the box. So for producers that are new to the market, it is very important you take note of this and choose the right packaging for your brand. While there are many individuals out there, claiming to be professionals in the printing business, it is very important for you to make your research carefully, so as to choose the right one for your brands. For the tie boxes, having a nice design is not all that expensive. You can get them customized, with some added features, at a very convenient price. For instance, you can get a beautifully customized box to package your tie as gifts. This can be very amazing, especially when you are sending it as a gift to some one special.

Different men stores, makes use of the customized tie boxes, for branding and also endorsing their attires. You can also use the pop up display tie boxes. These types of boxes, are perfect for showcasing your various collections of ties in a unique way. There are spaces for you to place important accessories like tie clips as well as chains in these boxes, to make them very unique and appealing. You can win the credibility of your customers, when you provide boxes that are specially designed. For businesses that are selling handmade fabric tie packaging boxes, you also have the chance to make your brand stand out with your packaging style. For silk and designers tie, providing beautifully customized tie boxes will nail your target audience.

For wedding, valentines, Christmas and other important celebration, you can use the gift tie boxes to nail your target audience. For those individuals, producers or wholesalers that have large collection of ties and sorting them proves a hassle, using these boxes can be very helpful. You can have different designs of the tie boxes to store them. You can also have a big box, for storing your tie; you can store your casual, official as well as formal tie wears in this size of boxes. Printing companies can customize these boxes for you, into any sizes that you want. They can also use pertinent color tones on each of these boxes, to make them remarkable.