Reverse Mortgage Specialists Seniors Finance Australia, reverse mortgage specialists.#Reverse #mortgage #specialists


reverse mortgage specialists

Reverse mortgage specialistsSeniors Finance Australia a Reverse Mortgage or Seniors Home Equity Release Loan is a “lifetime loan for people 60 years and over on the Title of the property , against the equity in your home, holiday home or investment property Australia wide.

It is your “reverse mortgage or lifetime loan” that allows you to borrow against the equity or asset value in your property for any purpose that you wish. These loans are know as Reverse Mortgages or Seniors Equity Loans.

It does not require any repayments on the life of the loan but you can make voluntary repayments if you wish to do this.

This seniors loan does not have to be repaid until you choose to sell your home or the last surviving borrower passes away.

Reverse Mortgage and Title of your home ? the Title of your home will stay in your name.

You can receive your money in a variety of ways as a Lump Sum or have your own cash reserve limit or a re-draw facility and you can then draw down as you need the money, this is sometimes called a Line of Credit , or a combination of your options to suit your situation. It is your choice. Please ask about these options in a Reverse Mortgage.

If you have a current mortgage or loan on the property this maybe able to be paid out for you. You can use your money anyway you wish – additional income to enjoy yourself, home repairs, health care, holidays, to help your family, to buy a new car or pay out existing debts, mortgage, loans or credit cards your choice.

The amount you receive will depend on the value on your property and the age of the youngest borrower.

If you feel that this “lifetime loan” reverse mortgage loan could suit you or assist you with a better retirement life style please fill out your details below and information will be sent to you – if you require further information please call 1300 881 807 or contact us.

Florida Board of Nursing – Education and Training Programs – Licensing, Renewals


The Florida Board of Nursing (Board) approves new pre-licensure nursing education programs that meet the application requirements specified in Section 464.019, Florida Statutes. This Section of Florida law also defines the Board s regulatory authority over established nursing education programs.

Nursing education programs in Florida that hold specialized nursing accreditation by the Accreditation Commission for Education in Nursing (ACEN) or by the Collegiate Commission on Nursing Education (CCNE) are not regulated by the Florida Board of Nursing. Consumers are advised that the Board is not authorized to conduct site visits, and oversight of approved nursing education program quality measures is limited by Florida law.

All concerns or complaints pertaining to approved nursing education programs in Florida should be directed to the Consumer Services Unit of the Department of Health s Division of Medical Quality Assurance.

Finance Your Bariatric Surgery – Online Application #finance #surgery,patient #financing,finance #gastric #bypass,finance


Patient Financing for Gastric Bypass Surgery

Our patient financing offers you a full range of payment plans. Our 3, 6, 12, 18 month No Interest* payment plans feature monthly payments as low as 3% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you’ll pay no interest.

For patients/clients with higher treatment fees who would prefer more time to pay with lower monthly payments, our 24, 36, 48, 60 month extended payment plans* offer a low, fixed 11.9% interest rate and an extended term.

We offer a variety of affordable financing programs through your doctors office with flexible payment options and low monthly payments. With available loan amounts from $1000 to $25,000 we have a loan program for every budget, even for those with less then perfect credit.

Key benefits of our patient financing programs:

  • Fixed rates starting as low as 5.9%
  • Interest Rebate programs for up to 12 months
  • Fixed low monthly payments
  • Terms from 12 months to 84 months
  • No prepayment penalty
  • Bad credit financing available with a Co-Applicant
  • Easy application form with quick approval decisions

Please enter your height and weight

  • What does it cost?

    Thank you for inquiring about this surgery

    In many cases your insurance will cover all/most of the cost of this surgery.

    If you want to pay cash, the cost can be as low as $10,000
    **cost varies region to region

    Another good reason to have surgery is that our patients have told us that weight loss surgery can reduce your monthly food bill as much as 50% or more

    What is your average monthly food bill?

  • Tax Information for Holiday Homes #tax #relief #specialists


    Tax information on holiday lets

    Tax may not be the most exciting thing to think about when you start running your own holiday let, but it is important to consider. With our years of experience and knowledge, we’re here to make the whole process as hassle free as possible and answer any queries you have about tax. Just give our friendly team a call today for free guidance.

    What are the tax implications of running a holiday cottage?

    There are a number of elements that can affect the taxes you pay on your holiday let, but with Sykes you won’t need to worry as we’re here for you every step of the way. The following is a list of tax implications to consider:

    • Allowable Expenses these will need to be deducted from your gross rental income before you can work out your taxable profit. Allowable expenses include any costs associated with letting your property.
    • Capital Allowance this is for your holiday property’s furnishings as well as any equipment used outside the cottage for maintenance. You could even claim 100% of the cost for some environmentally-friendly purchases.
    • Entrepreneurs’ Relief if disposing* of a Furnished Holiday Let then you could claim Entrepreneurs’ relief.
    • VAT If your total rental income for the year does not exceed the VAT registration threshold then you will not have to pay VAT.

    We want to make sure you have all the right information and plenty of help to make holiday letting work for you. To find out more, speak to a member of our experienced property team; when it comes to holiday letting, we’re here to help.

    * Disposing of an asset can mean selling it, giving it away or transferring it as a gift, receiving compensation for that asset or swapping the asset for something else.

    What are business rates?

    Those who own non-domestic properties, including holiday lets, will more than likely have to pay business rates, which are a tax to help towards the cost of local services. However, depending upon the profit your property makes, you may be entitled to small business rates relief.

    If you are new to holiday letting, business rates may well be an area you’re still unfamiliar with, but whatever stage you’re at, we can help.

    For guidance concerning all things holiday letting, get in touch with one of our property team. They are here to guide you through everything you need to know to ensure your business venture is successful.

    Does my holiday let need to be VAT registered?

    Most holiday properties do not need to be VAT registered, however this would depend on whether your total rental income for the year exceeds the current VAT registration threshold.

    If you’re seeking further information then speak with us today. Our property specialists have the knowledge to help steer you in the right direction.

    Other frequently asked questions

    From our years of experience in helping thousands of holiday property owners, we know that tax can sometimes be an area that seems a little daunting, but it doesn’t have to be!

    Our job is to make your journey as straightforward as possible, so we’ve put together some need-to-know tax information that we hope will be useful.

    Declaring rental income
    If you have a property registered in your name then you must declare its rental income to Her Majesty’s Revenue and Customs (HMRC) as soon as possible, as you may have to pay tax.

    Qualified furnished holiday lets
    Furnished Holiday Lets are treated as a trade rather than an investment. This means you could be entitled to tax benefits such as claiming capital allowance, plus your profits will count as earnings towards your pension.

    Capital allowance
    Owners of Furnished Holiday Lets are able to claim capital allowance on the property’s furniture and furnishings, along with any equipment used outside the cottage for maintenance.

    Selling your holiday let and Capital Gains Tax
    Owners of Furnished Holiday Lets can also claim Capital Gains Tax reliefs. This tax relief could help reduce the amount of Capital Gains you have to pay when disposing of your holiday let.

    Don’t forget, our friendly team is here 7 days a week, so if you need more information then give us a call.

    What is Capital Gains Tax? Put simply, it’s a tax on the profit made when disposing of an asset that has increased in value. Capital Gains Tax does apply to holiday lets; however as an owner of a Furnished Holiday Let, you may be able to claim Entrepreneurs’ relief for traders.

    We’re here to ensure you have all the information to get the best out of holiday letting, so why not request a free information pack, or call us straight away to find out how we can help? Together, we can do more for your holiday property.

    If your holiday let is made available for 140 days or more per year then you will be required to pay business rates and so won’t have to pay council tax. We find this is a great benefit as more often than not, holiday let owners pay less for business rates than they would for council tax.

    Need more information? Our team are here to help make sure your holiday let investment is successful. On top of that, our pricing analysts specialize in setting the best booking price for our owners, meaning your property will enjoy the best possible return.

    This is a special tax rule on rental income for properties that have qualified as a Furnished Holiday Let (FHL). If your property let qualifies then you could claim Capital Gains Tax relief.

    At this point, you may be wondering ‘how does my property gain FHL status?’ to qualify as a FHL your property must meet the following criteria:

    • It must be located in the UK or European Economic Area
    • It must be fully furnished
    • It must be commercially let
    • It must also be available to let as a FHL for at least 210 days of the year and must be let to the public for at least 105 days of the year
    • It must not be let for long term lets (those over 31 days) for more than 155 days per year

    When it comes to holiday letting, our local managers, along with our friendly in-house team, have lots of experience and can help you with any queries you may have. So why not pick up the phone and speak with us today?

    The whole topic of tax might seem a little daunting at first, but we have the experience and knowledge to support you from the get go, ensuring you have all the information you need to make your journey into holiday letting as simple as possible.

    There are a number of ways you can minimize the amount of tax you pay on your holiday let:

    • Capital Allowance can help you claim up to 50% back on furniture and furnishings as well as equipment used outside your property for maintenance. You could even claim up to 100% of the costs back for purchases that count as environmentally friendly.
    • Entrepreneurs’ Relief can help you reduce the amount of Capital Gains Tax you pay when disposing of your holiday let.

    Sykes work hard to make sure your holiday letting experience is as seamless as possible. Our property team are available daily to discuss any queries you have, and whatever you need from an agent, we can help, so get in touch for some friendly guidance. We can’t wait to hear from you.

    How much could I earn with Sykes?

    We understand that letting properties can be a main source of income and a full-time job, so we want to make sure you’re offered a competitive price.

    *Please note that these are estimates based on historical booking data, lowest price set at 1 bedroom to max set at 4. For a more accurate price ring 01244 617719 .