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Discover how to turn your mortgage into £££s
Dear Reader,
I would like to show you
how by combining an interest-only mortgage with investments in
tax-free ISA funds, you could pay off your mortgage and be left
with a tax-free lump sum that covers all the interest
payments you have made through the life of the mortgage -
effectively making your mortgage free of charge!
This is no get rich quick
scheme but if the real prospect of receiving a large tax-free
lump sum at the end of your mortgage appeals to you, then
read on.
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In this book, you will learn:
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Why ISA mortgages are the
industry's best kept secret
-
How to make money from your
investments, even when they fall in value
-
How to have your investments
managed by teams of professionals for
little or no cost
-
How to ensure that your
investments are 100% tax-free
-
Why endowment mortgages were
destined to fail
The techniques
in my book do not rely on you
working with specific mortgage providers - you are free to work
with ANY mortgage provider that meets the criteria outlined.
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Welcome to
Your Free Mortgage - a step-by-step guide to making your
mortgage pay for itself.
Your mortgage is
the biggest financial commitment that you will make in your life
and selecting the best mortgage could save you thousands of
pounds. Yet, an average person will spend more time shopping for
a good deal on a gadget than researching the best mortgage
deals.
With an ISA mortgage, you are free to use any high street
mortgage provider and your monthly payments will be the same as
a repayment mortgage. However at the end of the ISA mortgage,
you will not only own your house, you could also receive a large
tax-free lump sum worth tens of thousands of pounds!
My book
will help you navigate through the range of mortgages available
within the UK and what features to look for. It will then
demonstrate how the average homeowner can grow their money to as
much as £290,000 - more than the total mortgage payments
over the life of the mortgage giving you Your Free Mortgage.
With the pressure on pensions, imagine what difference an extra
£290,000 tax-free could make to your life at the end of your
mortgage.
EXAMPLE
The example below shows a comparison of an average repayment
mortgage with an alternative ISA mortgage:
| |
Repayment
Mortgage |
ISA
Mortgage |
|
Mortgage £ |
£130,000 |
£130,000 |
|
Monthly
Payment |
£838 |
£838 |
|
Mortgage
Provider |
ANY |
ANY |
|
Mortgage
Term |
25 Years |
25 Years |
|
Interest
Rate |
6% |
6% |
Tax-free
cash at end
of mortgage (after paying off mortgage) |
£0 |
£291,000 |
NO ADDITIONAL OUTLAY
There are many excellent
books in circulation that promote a “get rich slowly” mentality;
making regular investments into the stock market and benefitting
from the power of compound growth over a long time. This
technique has been demonstrated to provide outstanding returns
and in many cases will make millionaires of practitioners.
Although I am an advocate of these systems, the one stumbling
block for them is getting people to stop spending and start
investing. This is especially true in early stages of their
lives where people tend to have lower incomes and little
consideration for the future. I will demonstrate in this book
how you can use your mortgage as a vehicle for making these
investments so that you can benefit without having to find
additional money.
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ABOUT THE AUTHOR
I came across
ISA Mortgages a couple of years ago and wanted to
find out more but quickly realised that there wasn’t
much information available. I discussed the ISA
Mortgage with many friends and colleagues and found
that only a few were aware of them and even they
didn’t truly understand how they operated or what
the opportunities and risks were. There were no
books on the market and none of the major mortgage
providers produced any marketing materials promoting
them. It then became clear to me why this was:
the very companies who
could provide the education and advice necessary to
promote ISA Mortgages had no incentive to do so.
Although they would happily provide ISA Mortgage
advice or products, there would be no financial
reward for them in promoting them.
I took out my
first ISA Mortgage in March 2005 and my friends and
colleagues followed my progress very closely. I
found myself giving them impromptu lessons on the
fundamentals behind it and pointing them towards
various online and printed resources that helped
explain some of the concepts. When a number of them
suggested I write a book about it, my first reaction
was “But I’m not a financial adviser, nor am I an
author”. But the more I thought about it, the more I
realised that if I didn’t write a book then nobody
would.
I didn’t have
the credentials of a financial adviser, but this
worked in my favour. This not only made me truly
independent, it also gave me a level of empathy with
the target audience for the book, enabling me to
pitch explanations at the right level. I also
realised that I have been investing in shares for
the past 10 years with my own hard-earned money and
as a result I understood how to make money and, more
importantly, how to avoid losing money. During this
time, I read countless books and made many mistakes
and I now understand the difference between gambling
and investing.
I run my own
IT business so I was able to approach the subject
logically and analyse the concept thoroughly. I was
also able to develop the necessary spreadsheets
tools that would otherwise be difficult to obtain.
With regards to investment advice, I realised I
didn’t need to provide any specific investment
advice of my own; I only needed to summarise the key
elements of the consolidated advice contained in the
countless books I had read. In essence, this was
investing for the long-term in well-managed and low
cost funds using tax-efficient methods.
I hope to pass
on my experience and knowledge to you now so that
you are able to evaluate the opportunities and risks
associated with an ISA Mortgage without having to
read all the books I have and without having to
accumulate 10 years investment experience of your
own. |
PERSONAL BENEFITS
CALCULATOR
In
addition to the Your Free Mortgage
e-book, there's also the Your Free Mortgage spreadsheet that
provides a comparison calculator that enables you to work out
the potential benefits for you personally so you can see
how you will benefit from an ISA mortgage. The screenshot below
shows an example:
START NOW!
An ISA Mortgage
is a real option for all but the most cautious homeowners. The
majority of us are already investing in the stock market via our
pension funds, so the ISA Mortgage is simply an extension of
this. Buying individual shares, or investing in the stock market
for short periods of time (otherwise known as trading), is risky
but this shouldn’t cloud your view of the stock market as a long
term investment. Historical data has shown that the UK stock
market has always performed well over long periods and there’s
no reason why this can’t continue. In
fact, now is the ideal time to start due to the current lows.
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INTRODUCTORY OFFER - LIMITED TIME
ONLY
To tie-in with the second edition
of this book,
I am offering the first 1,000 buyers the
Your Free Mortgage
spreadsheet
FREE OF CHARGE.
Hurry to make sure you qualify!
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ORDER NOW
Take advantage of this
limited time special offer
|
Your Free Mortgage
e-book |
$30 |
|
Your Free Mortgage
spreadsheet |
FREE |
|
VAT (UK Only) |
$5.25 |
|
TOTAL |
$35.25 |
This
product is available for immediate download by
purchasing from Click Bank.
Please Note:
this information was designed for UK mortgages so not all
aspects are applicable to other countries.
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Thank
you for taking the time to read this introduction and I hope
that you will take the opportunity to increase your wealth and
protect your future.
Yours,
Graham Swain
graham@yourfreemortgage.net
P.S.
Remember that the first 1,000 buyers of this second edition will
received the Your Free Mortgage
spreadsheet free of charge!
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