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Foxtons accused of bullying homehunters over finances

attitude "flipped" after a buyer rejected his suggestion that she take advice from mortgage brokers Alexander Hall. She said: "As ...

Miguel Menezes went from courier driver to millionaire with 14 home property portfolio

Between 2011 and 2013 he bought eight properties in Sunnyvale, Clevedon, Ranui, Massey and other parts of south and west Auckland.

"Sometimes I used the equity from my existing houses, and at other times I paid cash for the deposit."

He had since bought five more properties using a combination of cash and equity - now his houses are worth about $9 million. 

Menezes said for every investment property he bought, he was thorough with his calculations.

"I made sure the rent covered the mortgage, rates and repair and maintenance. I made sure nothing went from my pocket."

He also used the bank's cash back schemes to make money. 

Menezes would take a mortgage from one bank, and then the following year move it to another bank and receive a "cash back reward".

The following year he would move his mortgage to a third bank, again getting cash back for it.  

"The banks didn't like me, but it was their rules and I was playing within the rules.

Putin Is Becoming Russia's Biggest Mortgage Broker

Ratios of 62.9 percent in the U.S. and 67.6 percent in the U.K., according to the European Covered Bond Council.

Even though Russia’s home-ownership rate is among the highest in the Group of 20, much of the housing stock is tired, with pent-up demand from young families after the country last year matched its highest fertility rate since 1991. The government gave most of the state-owned apartments built during the communist era to their residents after the Soviet Union collapsed a quarter century ago.

State-controlled banks Sberbank and VTB Group, which together control three-quarters of the market, say there’s room to expand and forecast double digit growth will continue next year as the economy picks up and demand for new housing remains high. 

“Its definitely realistic that we grow the ratio of mortgages to GDP in Russia to 20 percent, just like in eastern Europe,” the head of VTB’s retail banking unit, Mikhail Zadornov, said in an interview. VTB’s 1 percent delinquency rate for mortgages this year compares with an overall share of 7.1 percent for non-performing loans at its parent group at end-August, he said.

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at the moment i have a auto 1.6 focus 03 coupe (loving this car-she's fast) on finance but i am returning it cos i am fed up making payment, i got a mortgage now and need to keep every penny.