Murray3 got their new other graphic design by running a design contest:
Infographic required for buy-to-let investors
Check out Murray3's Other Graphic Design contest…
Need an Infographic for buy-to-let investors
What's your vision?
Our target audience is investors thinking about, or actively searching for a mortgage. We have written the top 5 deadly mistakes that investors can make when sourcing a buy to let mortgage. The infographic should use the power of images to convey the important points raised in the text that's attached. Lots of property, interest-rate, bank related imagery. Some infographic example we like are: 1/ http://99designs.com/other-design-tasks/contests/camping-retailer-needs-infographic-poster-design-81509/entries/8499775 2/ http://www.iwatchstuff.com/2010/01/27/mega-shark-infographic.jpg 3/ http://www.graphicmania.net/wp-content/uploads/22122010/05.jpg 4/ http://99designs.com/other-design-tasks/contests/come-up-fantastic-infographic-about-dogs-75005/entries/7881659
here are the top 5 deadly mistakes that investors can make when sourcing a buy to let mortgage. you should base your infographic on these 5 mistakes. ========================================= 1. Don't "rate chase" - get proper mortgage advice ========================================= Spending hours on the internet used to be the way to find a good mortgage rate – not anymore. Too many investors make the ‘school boy’ error of chasing the perceived ‘best’ rates without properly considering all elements of a mortgage deal in–tandem with their own aspirations and resources, and can end up with a costly and unsuitable loan that could hold them back for years. Rate chasing used to be easy. You’d just jump on the internet and look at any number of websites that give you 24 hour real-time access to live mortgage deal information; which was great. Nowadays the lenders criteria can be so detailed you later discover you’re not eligible for that fantastic rate you found on the internet. You’re wasting your time. Get proper advice! ======================= 2. Don’t go direct to your bank ======================= Get whole of market mortgage advice. Inexperienced investors are at the mercy of the banks. Yes there are some great products available via your bank but you need to check the whole of the market. That means go to a mortgage broker that can search the whole mortgage market for you. That includes almost all Lenders, not just your bank. There are hundreds of products out there and a few minor differences in the product can make a huge difference to your bottom-line. The subject is so complex even specialist buy to let mortgage brokers need powerful and expensive software to help them find you the best deal. ============================== 3. Don’t underestimate your tax liabilities ============================== Get clever – get tax advice. One of the huge benefits of investing in buy to let property is that mortgage interest payments are deductible against tax. This means each mortgage payment in any given tax year can be deducted before you calculate your tax liability. If a property is purchased without a mortgage or with a small one, all or the majority of income (after management fees etc) will be applicable to income tax. So the greater the mortgage payment on a buy to let property, the smaller the tax bill. Brilliant! In certain circumstances rental income can have the negative effect of pushing people into the higher tax bracket, but offsetting mortgage payments against tax could push a tax payer below the higher rate tax band. By using bank borrowing and creating a smaller income from your investments, you will still gain capital growth but won't be paying unnecessary income tax! ================================= 4. Don’t forget the power of gearing. ================================= Use other peoples money and other peoples time to make it big in Buy to Let! Many inexperienced investors getting into buy to let investments don't appreciate the benefits of leverage (using the banks money to purchase property and make your own money go further). For example, if you had £80,000 cash you may look to purchase one buy to let property for £120,000, and put all the initial £80,000 down as a deposit. If the property doubled in value, you make £120,000! The benefit in this example would appear to be that you only needed a £40,000 mortgage. This also keeps your monthly mortgage payments down. Bonus! But actually you could have, in effect, purchased £240,000 of investment property by using the £80,000 as a deposit. So when house prices do go up, you get to take advantage of the gearing and potentially bank a whopping £240,000 profit if the value was to double. And don’t forget, whatever the mortgage, the rent should cover it anyway. ======================================= 5. Don’t use a broker just because s/he’s your friend ======================================= Buy to Let finance is now a highly specialist area, so get a Buy To Let specialist mortgage broker on the case. In recent years the mortgage market has changed and in particular Buy to Let investments have become a highly specialist area of mortgage lending. Mortgage Lenders recognise that the Buy to Let space is growing fast and have designed and released unique mortgage products to help the dedicated Buy to Let investor. But the products themselves have some incredibly detailed criteria attached which requires intimate working knowledge to ensure you get the right deal for you. <http://www.buytoletmortgagepeople.co.uk/> 01522 503 710
Every design category has flexible pricing for all budgets.
Full copyright with production-ready files for digital and/or print.
It all began with a design brief.
A quick, interactive guide helped them understand their design style and captured exactly what they needed in their other graphic design.
Designers across the globe delivered design magic.
Murray3 collaborated with designers to refine their ideas
When design entries come in, you can rate them so designers know what you’re looking for in your logo design.
99designs has great collaboration tools so you can pinpoint and capture your ideas
And then… they selected a winner!
Along the way, they met lots of talented designers…
We think contests are a super fun way to get design.
Recently completed contests:
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