Financing your dream home in France - Part 2

Written by Oliver Phillips


Copyright 2005 Oliver Phillips. May be freely reproduced "as-is" for private and commercial use.

In Part 2 of this series, Oliver Phillips of PFS France (http://www.propertyforsalefrance.co.uk/) takes a look at common approaches to financing french property purchases.

So you've found your perfect home, you knowrepparttar area,repparttar 133960 people, and you've appointed your own Notary. You've also had an independent valuation and will be gettingrepparttar 133961 property surveyed to make sure you understand what you are buying?

Your next thought is likely to be financing? Generally, you might look to finance your purchase in one of two ways; either usingrepparttar 133962 equity in a UK property by way of remortgage or by taking out a second mortgage onrepparttar 133963 French property. Both methods are subject to exchange rate risk but in different ways.

If you decide to remortgage an existing UK propertyrepparttar 133964 finance would normally be raised in £GBP. Raisingrepparttar 133965 mortgage in euros may result in a fairly substantial foreign currency conversion or exchange fee to pay. Make sure you are aware of how much this will be. Secondlyrepparttar 133966 timing of your purchase is important. A weak pound againstrepparttar 133967 euro will inflaterepparttar 133968 cost of your property, and require you raise a larger mortgage, but conversely a strong pound against a weak euro, could make remortgaging your UK home a cheap way to buy your home in France. However oncerepparttar 133969 mortgage is raised, you will always payrepparttar 133970 same monthly fee regardless of future exchange rate changes.

New England Cabins and Cottages

Written by Norm Goldman, Editor SketchandTravel.com & Bookpleasures.com


Today Norm Goldman, Editor of sketchandtravel.com and bookpleasures.com is pleased to have as a guest, Bethany Ericson author of New England Cabins & Cottages. Bethany is an expert onrepparttar New England States.

Welcome to Sketchandtravel.com and Bookpleasures.com Bethany and thanks for accepting our invitation to be interviewed.

NORM:

Please tell our readers something about yourself and your expertise pertaining torepparttar 133959 New England States.

Bethany:

My pleasure, Norm. Thanks forrepparttar 133960 invitation. I grew up in New England, with family aboutrepparttar 133961 region, so I had travelled quite a bit ofrepparttar 133962 area from early on. I lived near Thoreau's Walden Pond cabin, summered in a cabin inrepparttar 133963 Lakes Region of New Hampshire, and have always been fond of exploringrepparttar 133964 rivers, ocean, mountains and woods in every season. However, while writing New England Cabins & Cottages I was constantly surprised and amazed byrepparttar 133965 beauty ofrepparttar 133966 area I thought I knew so well, and I fell in love with it all over again.

NORM:

Where arerepparttar 133967 New England states?

Bethany:

New England is made up ofrepparttar 133968 six most northeastern states inrepparttar 133969 United States: Maine, Vermont, New Hampshire, Massachusetts, Connecticut, and Rhode Island. It is bordered by Canada, New York, andrepparttar 133970 Atlantic Ocean.

NORM:

Why would you consider a stay in a cabin or cottage inrepparttar 133971 New England states a good choice for a romantic getaway or honeymoon destination?

Bethany:

Well,repparttar 133972 added privacy is obvious, but it's also easier to feel part ofrepparttar 133973 natural area you are in when you are in a cabin or cottage than when you're in some anonymous hotel room. When your natural area could include crashing waves, blinking lighthouses, mountain top vistas, orrepparttar 133974 astounding fall foliage, this connection to your surroundings really adds torepparttar 133975 exuberance of your visit. Imagine you are in a characterless hotel somewhere andrepparttar 133976 forecast is for pouring rain you may feel trapped or depressed. Imagine you are in a cabin, and you feel like you have a great excuse to stay underrepparttar 133977 blankets with your significant other!

When I married this summer, I rented an old summer camp. My guests played inrepparttar 133978 lake, ate, danced inrepparttar 133979 main lodge, and stayed over inrepparttar 133980 cabins. Everyone had a deliriously childlike and cozy experience. Cabins and cottages allow for that nice combination of carefree enthusiasm, us-against-the-elements adventuring spirit, and romance somehow. (And it doesn't hurt that many of them have fireplaces, wood stoves, or hot tubs.)

NORM:

When isrepparttar 133981 best time to visitrepparttar 133982 New England states fromrepparttar 133983 point of view of weather, costs, crowds, andrepparttar 133984 availability of flights fromrepparttar 133985 USA, Canada and Europe and Australia, etc?

Bethany:

New England is extremely accessible its biggest airport is in Boston, Massachusetts, but there are also major airports in most ofrepparttar 133986 states. Sincerepparttar 133987 dollar is not at its best, it has maderepparttar 133988 US a less expensive trip for many visitors.

My favorite season here is fall and not just forrepparttar 133989 bright colors ofrepparttar 133990 trees. There is that magical snap inrepparttar 133991 crisp air that adds excitement to bundling up and lessens your inhibitions about feasting in a season of roasts and apple pies. Whilerepparttar 133992 masses flock to Vermont,repparttar 133993 Massachusetts Berkshire Hills, andrepparttar 133994 White Mountains of New Hampshire to "leaf peep" as we say, try heading to Maine. Fall is one ofrepparttar 133995 least crowded and most beautiful times to visit Acadia National Park, for instance. (And let's face it; you never were planning on swimming while onrepparttar 133996 Maine coast if you went duringrepparttar 133997 summer anyway, brrr.) Byrepparttar 133998 way,repparttar 133999 seafood is great here year round, and some lobstermen in Maine do not even put their boats inrepparttar 134000 water until its cold out.

NORM:

If you had to choose 5 unequalled venues inrepparttar 134001 New England states for a romantic getaway, honeymoon or wedding destination, what would they be and why?

Bethany:

Tough question, Norm! There are so many. I'll name some offrepparttar 134002 top of my head.

· The first one that comes to mind isrepparttar 134003 cottage at Three Mountain Inn in Vermont. They built that one with romance in mind. I think it isrepparttar 134004 only place I visited where I found myself blushing asrepparttar 134005 owner showed me its features:repparttar 134006 ambient heating ofrepparttar 134007 floor,repparttar 134008 shower for two,repparttar 134009 hot tub next torepparttar 134010 bed,repparttar 134011 stereo speakers built intorepparttar 134012 exposed beams,repparttar 134013 stained glass window you can only see from a prone position andrepparttar 134014 whole thing,repparttar 134015 music,repparttar 134016 lighting, andrepparttar 134017 gas fireplace is operatable from bed with a remote control.

Cont'd on page 2 ==>
 
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