6 Tips to Help you Find the Best Deal on Your Mortgage

When you are short on cash, it’s best to go for a mortgage, as there are banks and NBFCs that offer you loan against this collateral.
However, it is important that you find the best deal on mortgages so you don’t end up making an unprofitable bargain.

The interest rates that you would pay for your mortgage would depend on a few factors that you need to look at before applying.
In general, any investor would love to pay as little as possible and spend that money on other things.

Here are few tips to help you get the best deal on the mortgage you take:

1. Research and Shop Around

When shopping for mortgage schemes, don’t settle for the first quote you find. If you are taking the loan for buying a new home,
your real estate agent might direct you to a few set of lenders and claim that they offer the best interest rates.

However, make sure that you research the market and settle only for the best deal.Securing the best mortgage can be complicated and it can be a time consuming process. Compare the interest rates online before taking the final call,
whether you’re approaching a local lender or a big financial institution.

2. Spruce up your Credit Scores

Brushing up on your credit score is important before applying for a mortgage loan.
Your eligibility and the interest rate offered will depend on your credit score.

The better your credit score, the lower the rate and the more choices for home loans you would have.
Home loan against property is a common mortgage scheme offered by most of the banks and NBFCs.
Even if you already have a home loan in your name, you can still get mortgage loans.
You know abut the home loan eligibility criteria and need to provide the right set of home loan documents.

3. Increase the Down Payment

It’s not easy to save enough for the down payment. However, paying more for the down payment can help you get a better interest rate.
You can also save yourself from paying for mortgage insurance which is charged by many lenders if your down payment is really low.

4. Income Stability and Employment

Lenders prefer borrowers who show proof of a steady employment for at least the past 2 years. In an ideal world,a person who has been in the same company for the past 2 years or has shifted to a better-paying job is a preferable candidate to lenders have strict norms for self employed people, and you’ll need to document your business income along with your tax returns for the past two years.

5. Debt-to-Income Ratio

DTI or debt-to-income ratio can be measured in two ways.

The first is a backend ratio that measures the total of your minimum debt payments and your new housing payments on a monthly basis divided by your overall income.
The front end ratio, on the other hand, focuses only on your housing costs without taking your debts into account.
The lower these ratios are, the more likely you are to get a better deal from banks and NBFCs.

6. Lock your Rate

If you manage to find a low interest rate but still want to shop around, don’t forget to lock the rate.
This would ensure that you at least have that rate if you don’t find something lower.
Most of the lenders would allow you to lock the rate for a period of 30 days.

Reasons Which Make Fitness Gear the Trend Setter

Fitness is the latest mantra. Everybody is conscious about being fit. It is the latest upbeat and getting in vogue day by day. There are classes at every nook and corner and so are gurus and channels which are being subscribed and followed. Everybody is on the look out to get fit and in shape. Owing to the extravagant lifestyle most of the people start suffering from diseases very early and being fit definitely helps them to combat this. It is not just being fit but a glamourized quotient is the fitness gear which talks about the right clothes, right shoes and other accessories which are meant to make one comfortable and even stylish while working out.

Gone are the days when people used to wear loose tees with pyjamas or pants and old clothes to work out thinking they would sweat and would be more comfortable. The market these days has a plethora of options to choose from. In the present times it is all about being vibrant, with swanky clothes especially designed for the gym which are basically body hugging and which make you look stylish and trendy.

After reading about the concept let us know have a look at its importance, some tips once you start using the fitness gear while you work out.


• It is important as fitness gear is all about being safe and even cost-effective.

• Since the clothes are designed for a specific purpose, they exert equal pressure on the various parts of the body which in turn boosts the blood flow and even makes the muscles work in an optimized manner.

• The material with which the gear is made is helps in minimising the body odour and are even bacteria-resistant, also permits the skin to breathe under strong sun and wind.

• They even help us to avoid any injuries which could have happened otherwise like padded cycling shorts make it easy to cycle for long hours and comfortably.

Tips to follow while doing the work out

• In order to get the maximum output from the performance, it is advisable to put on the appropriate gym wear.

• Shoes should be the ones that support properly.

• It is important to have a good amount of water pre and post sessions.

• Minimal or no makeup at the time of work out

• Keep hair tightened in a pony or bun

• For the ones with dry skin issues, it is best to apply petroleum jelly.

• Be clean and hygienic

• Odour can also be reduced by applying or spraying few anti-perspiration merchandise.

Fitness gear is all about choosing the right from multitude of styles and is not too heavy on pocket. It not only makes one stylish but is also very relaxing while burning down the extra calories to get the right physique, it motivates the confidence and drives you to perform better.

Selling Syl-Lee Antiques Now Made Easy

Syl-Lee Antiques is derived from the names of the owner’s parents, (Sylvia and Lee). It is run by a family owned and operated Manhattan antique company. The main gallery is located in Manhattan. They have been buying antiques, fine art, collectibles, gold, silver, and costume jewelry for over 40 years and also have created a great reputation in buying and selling antiques. Though there are many shops that sell Syl-Lee antiques, not all shops cater to the best interests of their clients. Most of the people who want to sell their antique pieces find it difficult to visit the stores again and again and still have the items underpriced. Some people may also have some emotional attachment with the antique pieces that they are selling.

The new Syl-Lee Antiques – NYC Antique Dealer is now on Facebook to make the lives of each of the antique sellers easier by going the extra mile to serve them. You now need not have to bring your items to the stores to sell them. The staff would be more than happy to visit your house and also offer free evaluations of your antiques and fine arts. The home visits are completely free of cost. All your antiques are purchased outright for cash. They also connect you with the auctions in your area. They buy the entire content of the estate and there are also specialists who can help in identifying those antiques which are very rare. The items that can be sold are costume jewelry, 50 S Furniture, diamonds, sterling and other silver, bronzes, oil paintings, antique water colors, modern art and contemporary art, comic books, toys, Russian art, Lladros, antique porcelain, cut glass, art glass, Lalique, watches and clocks, coins, Asian antiques and pottery, Southeast Asian and Indian art, American Indian art and furs.

There is a very good collection of Syl-Lee antiques in the Facebook. The collection includes a beautiful Rene Lalique, antique costume jewelry, Chinese and Japanese antiques, South East Asian antiques, glassware, antique umbilical cord scissors, antique silver singing bird music box, Chinese silver, antique snuff bottle, antique micro mosaic piece that portrays cats and many more. Jade, coral, porcelain and bronze are in high demand at any given point of time. The Buccellati Silver Monkey is another rare antique piece that is available for sale. In order to connect with Syl-Lee Antiques, one just has to sign up for Facebook.

Here is just small sample of Antiques, Fine Art, Collectibles, furniture and Jewelry at Syl-Lee Antiques. They can provide you the one-stop shop for everything antique. To get more information about the antiques, please visit us online.