For most people these days the thought of owning their own home is a distant reality.  Lenders asking for ever increasing deposits and entry level homes at ridiculously high prices even in spite of the credit crunch.

So how can a professional couple or single person with a reasonable income get on to the property ladder when many lenders now are unwilling or unable to provide a mortgage? How does someone with a short period of residency or poor credit history but a high income achieve the dream of home ownership?

It seems that for many the answer lies in renting to own.  This concept is no real revelation having been practised in America and Canada for years and merely seen as another method of home ownership.  However, renting to own is quickly taking hold in the United Kingdom, especially in London and the South East where demand for rent to buy properties far outstrips supply.

At the most fundamental level renting to own simply involves a seller willing to sell and a tenant willing to buy.  Using an option agreement, the tenant/buyer can exercise their option to buy a property after a specified period. Instead of paying a 10% – 20% deposit, the buyer only has to put down between 2% – 5%.  The contracts can span a period from as short as six months up to 25 years or more. 

The purchase price is fixed even if the buyer does not exercise their option to buy for five years. Rent is usually paid at the market value however an additional amount is paid towards the deposit. This means that a first time buyer has the opportunity to buy a property of their choice, with minimal deposit whilst accruing equity over the rent to own period.  The scheme is ideal for those with a small deposit and great for those with impaired credit or UK newcomers.

The only real restriction is how flexible each party is prepared to be.  The concept is appealing to many first time buyers as it gives them stability not afforded through renting and a chance to acquire real equity even in a falling market.  Another advantage is the fact that the buyer will not be subject to fluctuating interest rates. 

Rent to own allows the tenant/buyer to test drive the property before committing to buy at the end of the term.  If the buyer chooses not to go ahead with the purchase, the vendor usually retains the deposit.

With growing discontent among first time buyers and a lack of government assistance it appears that renting to own is set to be the biggest growth sector in the UK housing market for the next few years.

For further information visit http://www.firsttimebuyernetwork.co.uk

Summary “UK Foodservice Industry Outlook to 2010” is a new report  in association with ICD Research that analyzes how profit and cost foodservice operator and caterer companies spend, procurement strategies & practices and business are being affected by the recession. In an uncertain economic climate this report gives you access to the category-level spending outlooks, buyer budgets, supplier selection criteria, business challenges and investment opportunities of leading purchase decision makers. The report also identifies buyers and suppliers future growth, M&A and investment expectations. The research is based on an extensive survey of senior and C-level industry executives from our market leading panels.Scope – The opinions and forward looking statements of over 300 industry executives have been captured in our in-depth survey, of which over 90% represent Owner or C-level, Directorial & Managerial respondents – This report covers data and analysis on buyer spend, procurement and industry developments by foodservice owners, operators, caterers, wholesalers and suppliers across the UK – The report examines current practices and provides future expectations over the next 12-24 months – The research is based on primary survey research conducted by Global Markets Direct in association with ICD Research accessing its B2B panels comprised of senior purchase decision makers and leading supplier organizations – Key topics covered include buyer spend activity, procurement behaviors & strategies and how these have been affected by the recession, threats & opportunities for the foodservice industry, economic outlook and business confidence. – In the report buyers identify what suppliers need to do to maintain their business and the key actions being taken by industry players to overcome the leading business threats – The report provides qualitative analysis of the key industry threats and opportunities and contains full survey results – The geographical scope of the research is UK-wide – drawing on the activity and expectations of leading industry players across the UKHighlights – In a positive statement for the UK foodservice industry 56% of foodservice owners/operators expect to increase their procurement spending over the next 12 months – 29% of industry buyers are seeking to engage in partnerships to optimize working capital and reduce costs – closer cooperation between suppliers and buyers is being sought during this time of market uncertainty – Only 9% of industry buyers do not regularly evaluate suppliers to ensure they meet high ethical and environmental standards For more information, please visit :http://www.aarkstore.com/reports/The-UK-Foodservice-Industry-Outlook-to-2010-Buyer-Spend-and-Procurement-Strategies-and-the-Impact-of-Recession-31339.html Or email us at press@aarkstore.com or call +919272852585

If you love living in natural surroundings and are keen on mountains, then why not consider buying a house in the Pyrenees ? The stunning scenery here is beautiful throughout all four seasons.

In winter, snow is guaranteed and there are many ski slopes to choose from. For a bit of variation, apart from the slopes on the French side you can also go to the tiny country of Andorra, which is located in the middle of the mountain range on the French-Spanish border, or even drive into Spain.

Once winter is over, you’ll be able to witness the wonderful transition into spring. Flowers start to blossom, animals become more active and the whole area goes through a true metamorphosis. Summer brings a different kind of tourism to the area, mainly campers, hikers and mountain climbers.

If you’re not staying in your property during summer season or have a large property with extra rooms, you could easily have some extra income by renting out or offering bed & breakfast.

While autumn is a grey, wet and depressing season in much of Northern Europe, in the Pyrenees it’s another beautiful period of transformation when the forests change their colours and the first snows start to fall.

Although a very quiet and secluded area, the Pyrenees are easily accessible by road and air. On both the western and eastern side of the mountains there are the main traffic arteries linking France with Spain, and there is a motorway running along the northern edge of the mountains linking Biarritz and Bordeaux with Montpellier and Perpignan via Toulouse.

There are also various airports in the area providing excellent connections with Paris (from where there are flights to all parts of the world) and they offer some direct international flights as well. To the UK, there are direct flights from Biarritz, Carcassonne, Pau, Perpignan and Toulouse.

France and Spain are Europe’s most popular holiday destinations. With your home base in the Pyrenees, very near the Spanish border, you can enjoy the best of both countries. Fascinating cities such as Marseille and Barcelona are only a couple of hours away. If you are considering the possibility of running a bed & breakfast then this is the ideal spot, with all those people travelling from Northern Europe to Spain and Portugal and passing the area, a place to stay overnight in calm and relaxing surroundings in the mountains would be the perfect getaway for drivers before continuing their journey.

Houses in the Pyrenees are much more affordable than similar mountain properties in Switzerland for example. You get to live the relaxing French lifestyle with peace and quiet surrounding you, and yet the area offers all the amenities you could possibly need. If you love nature and yearn to live at it’s very heart, then you should start looking at houses in the Pyrenees .

In the current climate, one of the questions we are often asked is when will be the right time to think about buying. The answer is right now, if possible, but let’s expand on that a little further.
One of the main concerns of those looking to buy a property is what might happen to house prices. Let’s face it; nobody wants to invest in such an expensive asset if it is going to continue to lose value. With the media full of reports of double figure falls in values, and estimates of further significant reductions throughout 2009 it would be very easy to conclude that it would be better to wait until values have reached rock bottom.
However, the media hype and doom-mongers hide the reality of the situation, as they ignore activity in their calculations. There is no doubt that the average fall in value of houses sold in the last year has been between 10% and 15%, but because the total number of sales has only been a tiny fraction of what can be considered normal market activity, it is questionable as to whether this is a true indication of the fall in property value. There are those who will argue that the true value of a property is what any individual is prepared to pay for it at any given time, but this is only case if there is a seller prepared to sell at that price. Conversely, those who say the value of a house is what the individual owner is prepared to sell it for are also mistaken, unless there is a buyer prepared to buy at that price. When buyers and sellers have widely different opinions of the value of a property, sales fail, and there is, in fact, no market.
To a large extent, that is the situation we are faced with currently. There are plenty of properties on the market, but the majority of sales are limited to those who have to sell, whether as a result of repossession, relocation or family upset. Those who are in the position of wanting to sell, as opposed to having to sell, are still tending to price their properties at a level where buyers believe them to be expensive. This begs the question as to how long it will be before sellers become more realistic, and I would suggest that the most likely answer is that they will not. The majority of sellers continue to be employed, and in many cases are enjoying interest rates which are the lowest they have ever experienced. It therefore follows that if they can afford their mortgage, they will simply stay where they are rather than sell their property for less than they believe it to be worth, especially if in doing so they will eat into their equity or even go into negative equity.
Of course, there will always be those that are in a forced sale situation for whatever reason, and this is where the bargains are to be found. Currently one of the main sources of such properties are those placed on the market by mortgage lenders who have repossessed them, and a significant number are from buy to let landlords who were unable to keep up with their mortgage payments when interest rates went up last year. However, as the government becomes ever more strict with lenders concerning residential repossessions, and as rental incomes continue to increase whilst interest rates fall, this source of bargain property is likely to be restricted.
The lack of bargain property in the market is currently balanced by a corresponding lack of those who are actually able to buy a property. Whilst mortgage interest rates have fallen substantially, the best deals are generally available only to those who have very substantial deposits or equity, and that is not something which can be said to be a characteristic of a typical first time buyer. Whilst the price of an average house might well have fallen to £160,000, that still means that the absolute minimum deposit required will be £16,000, and it will currently cost an average rate of 6.5% for the next five years at that level. With a deposit of £24,000, the typical rate would drop to around 5.2%, but it would take a deposit of £40,000 or more to secure the market leading rates of around 4%.
Therefore, if we ignore the vast majority of property for sale, which buyers believe to be over-priced, the market consists of a small number of reasonably priced properties being competed for by a small number of buyers who have large enough deposits. It is our belief that whilst the current climate remains bleak, the supply of mortgage finance will increase before the supply of bargain properties does, and if that is the case, it can only lead to increased competition, and eventually, increased selling prices. On that basis, it must be better to buy now whilst you can pick and choose, and negotiate.
Of course, the opposing view is that the recession will deepen into a depression, and the ensuing availability of thousands of repossessed properties from those who lose their employment will force down prices even further. Whilst this is a possibility, we have to ask ourselves whether a government who has already invested billions of our money in the banking system, and has introduced revolutionary schemes to help those whose homes are at risk, are prepared to let this happen. Our view is that they are not.

Before recently the process of finding scrap gold buyers was a fairly arduous and obscure one. But with the power of the internet and Money4Gold.co.uk those with old, unused gold jewelry can turn their trash into treasure easier than ever before. People across the British Isles and around the world have found this service a simple, reliable way to get a little bit of money for their gold. If you have been wondering about scrap gold buyers or happen to have some gold jewelry you don’t need anymore, here’s a quick look at what you ought to know. Gold is a great investment, particularly in troublesome economic times. When currencies start fluctuating and government programmes for fixing things create inflation, gold prices go up. Over the last decade gold has skyrocketed in value and scrap gold buyers have forked over billions to people turning in old jewelry, coins and other sources of the precious metal. Money4Gold.co.uk streamlines this process so you never have to leave your home. Their website lets you enter your address, to which they’ll send a postage pre-paid envelope and information. You simply send these top dollar scrap gold buyers your jewelry in the secure envelope and they send you back a cheque. In just a few weeks that old jewelry becomes cold hard cash! This sounds a bit strange, and scepticism is common. But Money4Gold.co.uk is insured by the Royal Mail and registered with the Jeweler’s Vigilance Committee—an industry guardian of ethics for jewelers. Scrap gold buyers everywhere know that this company is on the up and up, and scrap gold sellers by the millions have positive testimonials you can research for yourself. If your jewelry is broken, has unhappy memories associated therewith or is otherwise unused, why let it collect dust somewhere? Pawn brokers will cheat you, but Money4Gold.co.uk will connect you with the best price scrap gold buyers online or anywhere. And if you do happen to find scrap gold buyers who offer you a better price, Money4Gold.co.uk will double their offer. This way they can guarantee the best price for your unwanted jewelry, no matter what. Like we said—you go to a pawnshop with your old gold and they’ll give it a sideways look and offer you pennies on the pound for it: that’s how they make a profit. Money4Gold.co.uk is a multinational operation, publicly traded and they are scrap gold buyers only. With this scale, experience and focus they can give you the best value for your old jewelry. So why wait? Go to Money4Gold.co.uk and get onboard with the UK’s best online scrap gold buyers and turn that old jewelry into some much-needed cash. With all the guarantees offered, you’re sure to be happy you did!

Buying a property is one of the most stressful and arduous tasks one can ever encounter, it does come with some huge blessings and an unquestionable sense of achievement. All positive emotions and sentiments fostered may become overshadowed in the event of making a wrong choice. If you have gone with your whimsical nature and taken out the first mortgage that came your way you may find you are paying well over the odds for the privilege of borrowing from a particular lender. These are all the things that need to be taken into consideration prior to your purchase, that way they can be dealt with sooner rather than later and any nuances can be successfully ironed out before you make a huge financial commitment to both a mortgage and a home. When taking out any form of a mortgage it really is important to remember that it is a purchase and not simply a means to an end. If you don’t take the time to ensure that the product is in fact the one that you want and that it is the right one for you it will simply be a means to your end, financially speaking that is.The credit crunch has had a number of affects, for some it has forced them to ponder on whether the purchase of a property at the moment is financially viable. After careful consideration, this group have opted not to take out the massive loan that is a mortgage and have chosen to put off moving up the property ladder, others in this group have opted to continue renting rather than placing their foot on the property ladder.Others have seen the ripples of the credit crunch as the beginning of the end for them and their dream of owning their patch of UK land, it is as if these individuals believe the ability to own is slipping out of their fingers and if they don’t grab at the opportunity now they will never get another chance to do so. This group of home-hungry-hunters have their eyes on the prize and are determined by hook or by crook to get it. This may be an admirable trait for marathon runners who need the steely determination to complete the task at hand, not so admirable when it comes to making large purchases. Being blind-sighted by home-ownership can land you in some serious financial hot water, rather taking into consideration your needs, your desires and your limitations you can still reach the goal of home-ownership without it costing you more than you can afford. One type of mortgage that received a lot of publicity a few years ago but has since drifted into relative obscurity is the current account mortgage. This type of mortgage allows you to combine your mortgage loan with your current account allowing you more freedom with payments. In essence it is a huge overdraft with all the benefits attached. If you want to make more payments one month and less another that is allowed without penalisation. This type of mortgage comes as a blessing to those that have a relatively low income but regularly receive commission that hugely increases their take-home wage. As most mortgage lenders don’t take your ‘potential’ income into consideration and only that which is stipulated in your contract it can be hard for such individuals to source a mortgage with the flexibility they need. With a mortgage of this kind it might be horrific when you look at your statement as if your mortgage is £130,000 and you have just been paid to the amount of £1,233 then your balance will show -£128,767! As long as your heart doesn’t keep skipping a beat each time you receive your monthly statement you’ll appreciate all the benefits of such a mortgage.

Are you currently thinking about buying your first house? Real estate is a fantastic investment. Don’t let the media hype fool you: low interest rates combined with reduced home prices make this an excellent economic environment for first-time home buyers. Here are a few tips to help you along the way.
The first and most important thing to remember is to buy only as much house as you can afford. Just because a lot of young people in your area are buying gigantic homes with acres of property and four car garages doesn’t necessarily mean they could afford their mortgages. All you have to do is look at the foreclosures situation to see examples of people who purchased more than they should have.
Adjustable rate mortgages, or ARMs, have been exceedingly popular in the last ten years. When the housing market was on fire a few years ago, banks were giving out loans to practically anyone, regardless of their income or credit.
ARMs made it possible for people to buy enormous homes even though they didn’t make a lot of money because they start out with low payments and then balloon as time passes. This is a big contributing factor to the current housing crisis. More and more people who had adjustable rate mortgage loans are defaulting as their homes go into foreclosure. I tell you this not to discourage you from looking at ARMS, but to help you understand the risks. In fact, FHA offers a great ARM that have 1% annual caps and a lifetime cap of 5%. This will beat any conventional ARM offered.
Because the banks are feeling the crunch, credit standards are being raised. If you are uncertain of your credit score, it is wise to check online with a company like Equifax, TransUnion or Experian to find out where you stand before you apply for a home loan. Clear up any financial loose ends and get your score looking the best it can before you start the home loan process. You’ll get a better interest rate and have more leverage with lenders. It may even allow you to get 100% financing. Yes, you can still obtain 100% financing and you don’t have to be a veteran.
As far as your down payment is concerned, you may want to come up with as much money as you possibly can. Why, you ask? PMI, or principal mortgage insurance, will add to your monthly payment until you’ve paid for twenty percent of your home. Even if you can’t get that much money together, and most first time home buyers simply can’t, try your best if you want to avoid PMI. As an added bonus, a nice down payment improves your chances of getting your loan in the first place.The good news is that your PMI might be deductible. You have to have an adjusted gross income of under 100K to deduct it all otherwise it will phase out when it reaches 110K.
You will pay half a percent to one and half percent of your loan value every year until it reaches approximately 75-80% of either the initial loan balance or of the market value. The rules are different for FHA and conventional loans and vary slightly. Generally,lenders won’t tell you that you’re eligible to get your PMI dropped from your payment. So, be sure to keep tabs on your remaining loan balance and contact your lender to get the PMI dropped. It will save you quite a bit of money in the long run.
Lastly, first-time home buyers will feel much better about purchasing their new home if they learn about the closing process and closing costs. We teach a first time buyer class where we cover this and much more. We recommend you seek out a similar class in your area.
The home buying process can be exhilarating and overwhelming, but the more knowledge first-time home buyers have on their side, the better off they are. Keep on learning and happy home buying! You will love your new home, and it will be one of the best investments you’ll ever make.

The UK Foodservice Industry Outlook to 2010: Buyer Spend and Procurement Strategies and the Impact of Recession “UK Foodservice Industry Outlook to 2010” is a new report analyzes how profit and cost foodservice operator and caterer companies spend, procurement strategies & practices and business are being affected by the recession. In an uncertain economic climate this report gives you access to the category-level spending outlooks, buyer budgets, supplier selection criteria, business challenges and investment opportunities of leading purchase decision makers. The report also identifies buyers and suppliers future growth, M&A and investment expectations. The research is based on an extensive survey of senior and C-level industry executives from our market leading panels. ( http://www.bharatbook.com/Market-Research-Reports/UK-Foodservice-Industry-Outlook-to-2010-Buyer-Spend-and-Procurement-Strategies-and-the-Impact-of-Recession.html ) Scope – The opinions and forward looking statements of over 300 industry executives have been captured in our in-depth survey, of which over 90% represent Owner or C-level, Directorial & Managerial respondents – This report covers data and analysis on buyer spend, procurement and industry developments by foodservice owners, operators, caterers, wholesalers and suppliers across the UK – The report examines current practices and provides future expectations over the next 12-24 months – The research is based on primary survey research conducted in association with ICD Research accessing its B2B panels comprised of senior purchase decision makers and leading supplier organizations – Key topics covered include buyer spend activity, procurement behaviors & strategies and how these have been affected by the recession, threats & opportunities for the foodservice industry, economic outlook and business confidence. – In the report buyers identify what suppliers need to do to maintain their business and the key actions being taken by industry players to overcome the leading business threats – The report provides qualitative analysis of the key industry threats and opportunities and contains full survey results – The geographical scope of the research is UK-wide – drawing on the activity and expectations of leading industry players across the UK Highlights – In a positive statement for the UK foodservice industry 56% of foodservice owners/operators expect to increase their procurement spending over the next 12 months – 29% of industry buyers are seeking to engage in partnerships to optimize working capital and reduce costs – closer cooperation between suppliers and buyers is being sought during this time of market uncertainty – Only 9% of industry buyers do not regularly evaluate suppliers to ensure they meet high ethical and environmental standards Reasons to buy – Drive revenues by understanding future product investment areas and growth regions by leading industry players – Formulate effective sales & marketing strategies by identifying how buyer budgets are changing and where spend will be directed to in the future – Better promote your business by aligning your capabilities and business practices with your customer’s changing needs during these times of market uncertainty – Secure stronger customer relationships by understanding the leading business concerns and changing strategies of buyers in the foodservice industry – Effectively plan your business strategies – Predict how the industry will grow, consolidate and where it will stagnate – Uncover the business outlook, key challenges and opportunities identified by suppliers and buyers in the industryTo know more and to buy a copy of your report feel free to visit : http://www.bharatbook.com/Market-Research-Reports/UK-Foodservice-Industry-Outlook-to-2010-Buyer-Spend-and-Procurement-Strategies-and-the-Impact-of-Recession.html

OrContact us at :Bharat Book Bureau Tel: +91 22 27578668Fax: +91 22 27579131Email: press@bharatbook.com Website: www.bharatbook.com Blog: http://bharatbookresearch.blogspot.com Follow us on twitter: http://twitter.com/3bbharatbook

If you plan to buy property in France, there are some important details that you must be aware of. Written below are just some helpful details with regards to acquiring a property in France. Acquiring a French property is not the similar investment that you make as when purchasing an English property since property costs are fixed and more steady than in the UK and the costs of the French properties are not considerably increasing in time. The taxes and expenditures that are tied in with purchasing a property are also not the same and they should also be taken into account. So if you are thinking of investing in a French property, you can do so. However, do it if you really want a good place where you can retire or to spend vacations with your family. The income taxes related with French property investment are pretty sizeable and they should be paid on time. Moreover, if you will rent out the property you must state this and then proceed to pay other income taxes on the rental earnings. These are the most vital taxes that you are required to pay, though there are still other ones that you shouldn’t overlook and they are important as well. But on the whole, it is really nice to stay in France or spend your dream vacation there. The climate and the roads are totally great, and there are a lot of French properties that are for sale in almost every major location. There are so many kinds of French property but the major ones are: ? Village accommodations ? Chateaus ? Farmhouses ? Maison bougeoises ? Town accommodations Each kind has its own advantages and its disadvantages: 1. Cheateaus stand for castles. There are over thirty thousand castles in France. And a lot of these are up for sale, and of course, they come with the land surrounding them. Even though it may not appear so, they are not very pricey, and a number of them are even low-priced, almost the equal price as that of a four bedroom apartment in the city. The only drawback with them is their upkeep which can be very costly if you will think about the gardens around it that must be regularly taken care of. 2. The farmhouses are located in the country side and are certainly most fitting for the people who like country life. The properties are tied in with a house and the entire land around it. They can be seen in nearly all of the country’s areas. The drawback of farmhouses is that they are inaccessible from other people and hospitals or shops. 3. The village accommodations are fairly similar to farmhouses, but they are nearer to the facilities like hospitals, entertainment centers, and shops. The houses are to be found within the villages. 4. Town accommodations are properties positioned within the towns. They are not as lovely in scenery and dreamy as the village accommodations or farmhouses but they are open to all the facilities there is. 5. Lastly, the maison burgeoises are the type of houses built specifically for rich people who are fond of flaunting their wealth. They are extremely fine-looking, and stones were used to build them, with big windows. The prices of these homes and their upkeep are very high.

As with most important transactions, we don’t know what we don’t know. This relates to real estate and other transactions for which we have little experience and is why it is important to consult an experienced realtor who can represent the first time buyer. Buying a home can be exciting and fun, however it can also be frustrating and exhausting unless you have done some prior preparation to determine affordability, future plans and needs.
In this situation, pre-qualification is extremely important to determine the price range of affordability. Many first time home buyers look outside of an affordable price range or look at interest only loans. Both of these are potential problem areas that have placed other buyers in difficult situations unable to afford monthly payments or upside-down, owing more on a real estate property than the current value of the property.
Another common mistake is not planning ahead. Will you be able to stay in the home you purchase for at least three to five years? What changes might occur in your family life? Are you planning to have children? Will a parent or other family member move in with you? Will your job require that you move or relocate? What happens if the house requires two incomes and one contributor loses employment? By planning ahead you can avoid placing yourself in a situation or a home that becomes too small, impractical, too expensive or one from which you will need to move before the home has had time to appreciate, allowing you to come out ahead financially when it is time to sell.
Some buyers fall in love with a home by becoming emotionally involved in one aspect or another. They do not consider the location, school system, zoning, maintenance requirements, proximity to work and shopping or overall suitability. This is important for the resale value and long term potential of the property. A good realtor will advise buying in a neighborhood that will support resale of the property when the time arrives.
Other first time buyers lack focus by not narrowing their search to one or two physical areas of a city. Narrowing focus by location allows easier comparison of similar homes and other important considerations. It is also important to determine what is most important in the design of a home. Is there a requirement for at least three bedrooms? A fenced yard? Does the home need to be near schools? By focusing not only on location but requirements of a home, a realtor can save time by researching and previewing homes to make sure that only homes that meet your requirements are placed on your showing list.
Considering that a home is one of the most significant purchases of your life it is important to work with a realtor who can help you plan appropriately to make sure that your buying experience is the best possible.

Selling a car can be stressful under normal circumstances but with the current financial situation across the UK, you might be experiencing more problems than usual and need some professional advice. Surrey Car Buyer is a small and independent used car dealer with over 30 years of experience within the motoring trade. You might be selling your car because your circumstances have changed or you are looking to upgrade from your existing model. Whatever your reason for selling, we can offer an accurate and fair price. We like to tailor our business around our individual customers – after all without you there would not be a business. Instead of being put through to a call centre and kept on hold, the proprietors, Andy and Karen, will personally take you through all of the stages whilst answering any queries you may have. You might be tempted to sell your car privately but this can often incur additional expenses, security risks, and can also be time consuming. We can alleviate the stress involved in selling your car privately protect you from time wasters, and providing you have given us accurate details about your vehicle, the sale is guaranteed. Unlike many other used car dealer companies, we offer free no obligation quotes and if you are happy with the price and the quote has been accepted, we will collect your car at your convenience for free. All we will need from you is the relevant vehicle documents, proof of identification, and the keys, including any spare sets. We will consider any vehicle make, model, and age, ranging from old bangers at £200, to newer models worth up to £20,000. We also consider imported cars, MOT failures, and cars purchased on finance. Any outstanding finance balance must be settled before the car is collected and any payment is made. We have up to date information from hundreds of trade contacts within a large database so the price we offer you for your car will always be fair and accurate and comparable to prices of similar makes and models. We cover all areas of Surrey and our service is prompt and efficient. Contact Andy or Karen for a free quote and helpful advice to help you sell your car quickly and efficiently.