Mortgage 999 

PRIVATE and CONFIDENTIAL Information

Trigger this Hidden ‘Personal Bail-Out Clause’ and Wipe £41,688 from Your Mortgage in 10 Months

As the UK plunges into the deepest downturn in 70 years, homeowners and property investors alike are finding their financial situations increasingly difficult to handle.

But there is one thing you can do TODAY to protect the property wealth you’ve worked so hard for...

Dear Property Investor in Peril,

Have you heard about the secret ‘Personal Bail-Out Clause’?

Probably not...

The Government doesn’t want you getting wind of it.

If every mortgage holder in Britain triggered the Clause, pretty much everyone would be mortgage-free in a few years time.

Every bank would go bust!

But a tiny few smart cookies are invoking the ‘Personal Bail-Out Clause’ as you read this - and securing their futures at the very same time as others are watching theirs go down the toilet.

Take Dave Wilson from Cumbria...

He triggered 'the Clause' in early 2007.

By the end of the year he’d made £8,000 in overpayments on his mortgage. That alone saved Dave £16,417 in future interest repayments…the equivalent of knocking 2.5 years off his mortgage term.

That’s money that came straight out of the lenders’ pocket... and into Dave’s.

Dave is now on track to make over £90k in overpayments.

That’s enough to pay off 75% of his home mortgage... by the end of the decade.

And Craig Alistair, who had the foresight to activate the ‘Clause’ way back September 2005... By summer 2006 he'd made mortgage overpayments to the tune of £8,000. Today he has paid the £350k mortgage on his home, and has just purchased a £510k villa on the Costa del Sol.

Just imagine...

What would it feel like to be slashing 20% to 30% off your mortgage every year... even in the midst of recession?

In fact - used correctly - the ‘Personal Bail-Out Clause’ can help you pay off a £208,440 mortgage in as little as five years!

So what is the ‘Personal Bail-Out Clause’?

How can you implement it today, starting with one phone call and a few actions taken online?

We’ll get to that in a second.

First, I need to warn you...

You need to take URGENT EVASIVE ACTION to rescue your financial future

Let me ask you a question...

Are you personally offended by what you read in the papers every day?

Are you disgusted by the way your government - sworn to uphold your interests - is handing taxpayer pounds to the very banks that got us in trouble to start with?

Does it sicken you as you see property prices plunge, rental yields stay stagnant and mortgage approvals drop a massive 50% in a year... with all the forecasts saying it’s actually going to get worse in 2009?

Are you OUTRAGED by the fact that the very lenders who impoverished a generation by selling them 100%+ loans and six-times salary deals are loading up on ‘rescue money’... straight from YOUR pocket?!

These banks.... sorry, these crooks... are now "rebuilding their balance sheets".

TRANSLATION:

They’re increasing their profit margins... which means, if you think you’re going to get some benefit from the Bank of England’s big interest rate cut, you’re going to be very disappointed.

In fact, get this...

The base rate has almost halved from 5.75% to 3%... and banks have kept mortgage and credit card rates the same... while sneakily cutting their current account rates! Even the Government's National Savings and Investment Bank is at it, cutting Direct ISA rates to 3.3% from 4.8%.

"Banks and building societies have sneakily cut current-account rates by up to 0.99%, according to Uswitch.com. Providers were hoping that these rate reductions would slip unnoticed under the radar." - MoneyWeek

So you’re getting less interest from your savings, while paying more on your mortgage!

It’s UNBELIEVABLE!

If you’re a property investor, you’re going to need some serious help in 2009.

But, clearly, it’s not going to come from the Government or banks.

If you are NOT fuming at this Government-sponsored absurdity - and not looking to do something to protect your wealth now - you’ve received this letter by mistake.

Please pass it on to a property owner or investor who is angry about what’s unfolding.

If, on the other hand, you’re already feeling your blood pressure starting to rise, scroll down, because you’re about to discover how sweet revenge can be...

JUST IN TIME! A simple way to build a ‘financial panic room’ around your property assets (and get revenge on larcenous lenders on the process!)

The fact is, British property owners and investors are in deep, deep trouble.

Much deeper than anyone - the Government, your bank manager, your estate agent, even your employer is willing to tell you.

Thanks to a four-part perfect storm (which, I’ll show in a second, will reach its peak in 2009)... the property market is going to become about as hospitable as the Sahara Desert.

Honestly, if you think it’s bad now, you’re going to get a nasty shock.

Before I go into detail, let me just tell you a little bit about my background. My name is Don James. I’m successful property investor, and with my investment partner I’ve accumulated a portfolio of 20 residential and commercial properties – fourteen in the UK, four in France and the other two in North America.

Today I live in semi-retirement - managing my portfolio from a new seaside home in Tortuga, Spain.

I’ve been in this game a long time now.

But I’ve NEVER seen anything like this...

Rate cuts won’t help you now...

The mother of all housing bubbles has popped. Negative equity is a reality for millions. Whether you asked for it or not, you're now paying the price for the worlds excesses of the past few years.

The long credit boom gave many people the chance to live WAY beyond their means. Why not? The bank was picking up the bill!

But now the bank wants his money back.

House prices are falling, the economy is tanking and people are losing jobs.

But the banks' wont care if you're made redundant. They want your money, or failing that, your house.

Luckily not everyone has been blindsided by this crisis.

A few commentators, myself included, saw the writing on the wall over two years ago. So I started to do nothing else but research the coming credit crisis... explore its imminent affect on UK property owners and investors... and most importantly, find ways for them to protect themselves for the fallout.

I’ll be honest.

While I was certain there was a financial crisis coming... one that would be triggered by the ‘sub-prime’ mess in America... I had no idea just how devastating it would be. Or how completely – mind bogglingly – inept our Government’s would be in handling it!

In fact, this is quite possibly the biggest financial ‘cock-up’ in modern UK history. And it’s happening right now... as you read these words.

You might think I'm being a bit dramatic.

But see how you feel after you have a chance to hear the proof for yourself.

I'm not just worried. I've made my mission in life to do two things:

MISSION 1: Warn you of the true extent of what’s unfolding, and explain how this will impact on any wealth you have or income you make from property. And,

MISSION 2: Give you the secret tools, actions and tactics you must employ NOW to stop your property assets going to the toilet - starting with filling you in on the ‘Personal Bail-Out Clause’.

Already, in fact, the few people I’ve shared this one secret with are seeing remarkable results.

Gavin and Shirley Jones triggered the ‘Clause’ in 2007. Within 10 months they had clawed back £41,688

In 2007, Derek Hanlon saw that dark clouds were on the horizon for UK property. We shared the ‘Personal Bail-Out Clause’ secret with him. Since then he’s ‘bailed himself out’ a MASSIVE £243,000!

Think about it would to wipe your whole mortgage out in just two years!

You have every right to be highly sceptical.

That’s why I’d like you to read the following promise very carefully...

Use this secret to slash AT LEAST £10,000 from your mortgage in 30 days - OR I’LL PAY YOU!!

You read right. I’m underwriting these claims with my own personal cash.

I guarantee what I have to show you will put at least £10,000 into your pocket!

If this doesn’t happen - I’ll PAY YOU MONEY!

More about this extraordinary promise in a moment.

First let me stress this:

Whatever your situation - if you have mortgage debt, or will be taking on mortgage debt in the future - what you’re about to learn can help can save you thousands this year. . .

Carl Christensen, a property investor from Southampton, learnt about the 'Personal Bail-Out Clause' three years ago. Since then, he has slashed his monthly loan repayments IN HALF.

This has saved Carl £86,000...and shrunk his overall debt by 5%...a FUTURE saving of £100,000. All in less than 36 months.

Don’t worry... triggering the ‘Clause’ is perfectly legal.

And it pretty much applies universally - no matter what financing arrangements you have in place.

How does all this work?

First, I need to show you what's happened... how we got into this mess... and why it’s going to get much, MUCH worse in 2009.

And then, I’ll help you take through the next step... by carefully laying down a plan that includes your own personal mortgage "Bail-Out" strategy.

But I really must stress that this ‘emergency wealth recovery procedure’ must be implemented RIGHT NOW.

Not next year, next month... preferably next week if you can.

Read on and you’ll see why...

A new dark age for property owners

Here’s the problem with what’s going on right now...

When property prices are flying, you can make a load of money by borrowing money.

"How bad could this get? Very bad... many more bank failures; more nationalisations; little lending between banks; a drying up of credit for customers. After that, the economy gets thumped."
- Nils Pratley, Guardian Business

Take a property valued at £200,000. If you’re wealthy enough, you could pay cash for the whole thing. Problem is, that ties up your capital. Not only that, you make less money.

Say you sell for £230,000. A cash buyer makes £30,000 profit.

But say you put just a little down, maybe 25%, and get a 75% mortgage. If the property sells for £230,000, and the original mortgage is paid off, you walk away with £80,000 profit... a 60% return on investment.

But in a falling market, reverse gearing works.

If a property loses 15% of its value, a cash buyer loses 15% if they sell. But if you’ve got a 75% mortgage, you’re in big trouble. The property sells for £170,000. The mortgage gets paid back, but you’re left with just £20,000 of your £50,000 deposit.

Should prices keep falling another 20%... and you hold onto your property... then things get even scarier.

You sell for £136,000.

You can’t pay your loan.

You lose your deposit.

And you still owe the bank another £14,000.

That, my friend, is called negative equity. Citigroup says up to three million property owners will find themselves in this situation before this crisis fully plays out.

But even if you feel you’ve got a decent handle on your mortgage, there’s trouble ahead...

Get ready for a 'four-pronged' assault on your property wealth in 2009...

House prices have already fallen, in nominal terms, more than they did in the last crash in the early 1990s.

So a recovery must be around the corner, right?

Don’t bet on it.

The "law of averages" simply does not apply here. When pundits say this property crisis is "unprecedented", they’re not joking.

Over 45,000 homes will have been seized by mortgage lenders in 2009.

But the bad news is that things are going to get worse for property owners, buy-to-let investors... and even first time buyers...

There are four reasons...

2009 PROPERTY PAIN FACTOR #1
Lenders are going to try and screw you out of even more money

Do you think the Bank of England’s recent rate cuts are going to lower your monthly mortgage payments?

Think again...

Whether you have a fixed-rate, buy-to-let OR tracker mortgage, you’re going to be in for a nasty shock in 2009.

Some of the biggest lenders have small print terms and "collars" which allow them not to pass on rate cuts - even if your contract says the loan is tied to the Bank of England base rate.

That means your monthly payments could stay the same - or rise - even as property prices plunge and base rates go to 0%!

Bank of England figures showed that, overall, average fixed rates actually ROSE in October, even as base rates fell.

Can you believe that?

If you’re on a tracker mortgage, it’s not much better.

Abbey, for example, charges over 2% above the base rate and. According to MoneyWeek, LloydsTSB has actually increased its margin on a similar product to 2.09% above the base rate – prior to the cut it was only 1.09%.

How can this possibly be happening?

It’s simple.

Banks are fighting for their very survival. Even if some pass on recent rate cuts to their mortgage holders... They'll think of other ways to get you and their other 'customers'!

Their backs are against the wall.

And given the choice of bleeding you dry and staying in business... or cutting you some slack and maybe going under... they’ll choose the former any day.

That’s why you need to use every trick in the book to eliminate your debt, locate loopholes and make sure your lender PAYS YOU... and not the other way around.

I’d like to share these secrets - including the ‘Personal Bail-Out Clause’ - with you.

As I’ve said, I promise that pulling the trigger on this clause will make you £10k in the first month – MINIMUM – no matter what your financial situation.

If it doesn’t, I’ll compensate you with my own money.

I’m that certain.

But first...

2009 PROPERTY PAIN FACTOR #2
‘Reluctant landlords’ flood the market

So, if you’re a landlord, the fact that more people are not buying and renting instead is great news, right?

Nope.

This really is as close to a ‘lose-lose’ situation as the property market gets.

In fact just last month, rents in the UK actually FELL for the first time in five years.

Why? Because many ‘would-be buyers’ have decided to rent and play the ‘wait-and-see’ game. At the same time, many homeowners are becoming ‘involuntary landlords’ – flooding the market with properties they can't sell.

And that’s if they’re lucky.

Many property owners and investors are simply being forced out of the market altogether.

There’s been a massive spike in what’s called ‘jingle mail’... where homeowners simply give up, post their keys back to the lender and walk away.

The National Association of Estate Agents (NAEA) says warns that five thousand properties a week are being put up for sale by homeowners struggling with mortgage repayments.

Up to 40% of buy-to-let landlords will be in negative equity by the middle of 2009, according to credit-rating agency Standard & Poor's.

There are almost one million empty properties across Britain, says the Empty Homes Agency, and 85% belong to landlords!

Of course, not all investors are hurting.

Take John Hughes from Newport in South Wales.

He has a portfolio of twelve buy-to-let residential properties.

Using some simple techniques that I’d like to share with you, he’s constructed a ‘bunker’ around his investments to increase cash flow from the properties... even if yields continue to fall.

In the last six months alone - while others are fleeing the market or losing money hand-over-fist - John’s been able to put down deposits on two more residential properties to add to his investment portfolio.

I’ll show you easy it is to do the same shortly...

2009 PROPERTY PAIN FACTOR #3
No relief for first-time buyers

70% of Britons own a house rather than rent.

If you’re one of the 30% who don’t, and you want to get on the property ladder, you’re going to have even bigger problems in 2009.

Even if you own property, this is very bad news. First time buyers are the engine of the property market. If they desert the market, it ripples all the way up the property food chain, bring house prices down with it.

And first-time buyers are about to become an endangered species.

Arrangement fees are soaring, despite the downturn in mortgage approvals.

Also, first-time buyers are being required to deposit £20,000 in order to secure a mortgage. That suggests confidence in the housing market is at an all-time low.

But not everyone is being forced off the property ladder...

Take Roger and Pamela Williams from Cardiff...

As the market peaked, it looked they would never manage to purchase their first property. Their savings fell £20,000 short of what they needed for a deposit.

Then they learnt about the ‘Personal Bail-Out Clause’. They now live in their dream home, and are well on the way living there mortgage-free.

2009 PROPERTY PAIN FACTOR #4
A deep, prolonged, back-breaking recession awaits

The Organisation for Economic Co-operation and Development (OECD) has warned of a "severe" economic downturn in the UK in 2009.

"The downturn is likely to be the most severe since the early 1980s leading to a sharp rise in unemployment" - OECD

They predict that economic output in the UK will fall by 1.1% next year. That’s more than any other major G7 country.

No one likes a recession.

- People stop spending.

- Companies are forced to cut back.

- Unemployment soars.

It’s predicted to rise significantly to over 8% by end of 2009 from 5.5% in 2008.

If you're worried about keeping your job or fighting to keep your home, take heart from the story of the Whittle family near Northampton.

Mr Whittle was made redundant at 45. He spent a year trying to get back into the job market. No success. The household income plummeted. Very quickly, they couldn’t make the mortgage payments.

The Whittles had a mortgage protection policy in place, but this only helped a little.

The rest they made up when they discovered the ‘Personal Bail-Out Clause’. Bucking the trend, Mr Whittle has found employment again. But should his career get derailed again in 2009, he has a built in ‘safety net’ to make sure the mortgage always gets paid.

Act NOW to avoid becoming a ‘just another victim’ of one of the greatest financial collapses in modern history...

Listen, this credit crisis really is the pits.

It's wrecked the City... hammered the high street... and gutted the housing market.

But as I look around, I see more debt that needs marking down...

What about the loans made to consumers to buy cars, send their children to university, or use credit cards?

Or the loans made to corporations to finance the takeover spree of 2006 and 2007?

International loans will be another big problem. And then there's commercial property. What will happen when all the loans made against office buildings and retail parks across the country start defaulting?

How many mortgages will need to be written off before this bust is over?

I dread to think.

It's like we've been swamped by a tsunami. We're struggling to get to the surface. But even as you do, there are several more great waves speeding toward you.

But don’t despair.

This situation didn’t come out of the blue. Some ‘in-the-know’ market experts have been predicting this collapse for some time.

Which is why, for the last two years and 3 months, my research team have been hard at work - putting together the definitive "survive-and-profit" kit.

It’s called 'Mortgage 999'

Whether you’re a first-time buyer who refuses to be forced into a lifetime of renting...

An interest-rate-conscious single homeowner wanting to get rid of your mortgage fast...

Or a landlord worried about the very real prospect of your rental income falling BELOW your mortgage payments...

Then I believe this one resource could be the most vital and profitable thing you ever read.

And get this. . .

I’m so convinced of the effectiveness of 'Mortgage 999', I’m putting my own money where my mouth is.

Are you ready?

I guarantee that these secret will knock - at the very least - £10,000 off your future capital repayments.

If this doesn’t happen - I’ll pay you back DOUBLE the cost of this report!

Save ten grand, or I’ll actually pay YOU money.

Hopefully that gives you an idea of how potent this information is.

Here's a brief look at what you’ll find inside...

The ‘Personal Bail-Out’ Clause

This one secret alone could repay, or help you repay, your home loan far quicker than you might have ever imagined.

Listen, I simply can’t give you the full details in an open letter. This secret is just too explosive to release into mainstream.

But to summarise:

This is an almost unheard-of technique that lets you generate an income that can then be applied to your mortgage repayment schedule as overpayments.

These slow but steady overpayments work directly to pay off the equivalent capital portion of your debt. So, an overpayment of say £1,000 reduces the capital owed by £1,000.

But that’s only the first part...

By initiating a ‘Personal Bail-Out’, you also get to reduce the amount of interest that you end up paying to the loan company...and, as you know, that can end up being quite a significant amount.

An overpayment of £500 per month against your repayment schedule on an ongoing basis for a capital mortgage loan amount of £100,000 will actually save you a MASSIVE £55,100 in interest loan repayments.

What's more, by keeping those overpayments regular you'd be in line to pay off a 25 year mortgage in as little as 10 years time.

But how realistic is an overpayment of £500 to achieve?

After all, on a £100,000 capital and interest repayment mortgage at current market rates you could well be only paying £500 to £600 per month total anyway.

So what we're talking about here is pretty much a doubling up of the amount paid over to the lender every month.

For many this is just not achievable. There are often too many other demands on income that take priority above paying extra to the mortgage company.

But a small few who know about the ‘Personal Bail-Out’ Clause - and how to use it effectively - aren’t losing any sleep...

ANYONE can use this method to wipe out your mortgage in as little as 3 to 5 years...

As you’ll see, it won't require you to commit more of your hard-earned income into loan repayments.

And it doesn't even necessitate you going through the hassle of remortgaging your property and/or releasing equity.

This could easily be the single most powerful wealth-enhancing secret you discover in your lifetime.

And - believe me - if all the numbers coming out are correct... there has NEVER been a better time to put it to use.

I also believe that you can no longer wait for our political leaders to help out ailing property investors... we can no longer wait for the banks to start acting responsibly... and you can no longer afford to sit back and wish this would go away by itself.

As I said, we’ve spent the last two years researching ways that homeowners and investors can cope - and even keep making money - during the current debt crisis.

What we’ve called the ‘Personal Bail-Out’ Clause is just one of the strategies revealed in the comprehensive new handbook, 'Mortgage 999'

First, 'Mortgage 999' shows you how we got here... and how things are likely to pan out in the next 12 months. Then it shows you a variety of clever, simple and cost-free ways to protect your property assets.

For instance, you’ll learn...

How to claw back up to £5,000 to £50,000 in mis-sold mortgages and unenforceable contracts

Did you know there’s a good chance you have a five-figure cheque owed to you RIGHT NOW?

If you have a mortgage taken out after 1990, then you may be entitled to money back from your lender in the form of compensation.

Mis-selling means a lender has lied about the nature of a product or deliberately held back vital information.

This was rife as the debt bubble grew, both here and in the US.

Take endowment mortgages...

Borrowers made payments towards stock-related investments which were supposed to be able to repay the value of the home, rather than simply repaying the money to the bank.

Unfortunately, the stock market has plummeted. Many customers were tricked into them, and are now worse off than they would have been with a conventional mortgage.

Or so-called ‘Payment Protection Insurance’ (PPI)...

That was intended to ensure loans continue to be paid if you become ill, have an accident or are made redundant. But it has now become clear that many thousands of people were mis-sold PPI.

The banks happily took premiums from people who were never eligible to claim in the first place...

Get this...

The Citizens Advice Bureau estimates that up to 85 per cent of claims might not have resulted in a pay-out because of exclusions in the small print!

It’s incredible that these con artists can stay out of prison, let alone get gifted millions in rescue cash from YOUR pocket, right?

But you know what...?

It’s time for you to settle some scores

Take 100% risk-free look at 'Mortgage 999' and you’ll discover if your mortgages or other forms of loans are invalid, unenforceable or fundamentally flawed. Even if you have redeemed the mortgage, paid it off or remortgaged with another lender, you could still be entitled!

Typically, compensation claims are a minimum of £5000 but some people have received considerably more.

One client recently had a pleasant surprise when, after claiming for a minimum of £5000 compensation from Mortgage Express, the contract was found to be completely unenforceable.

The lender had no option but to write off almost £40,000 of outstanding debt. The client is now mortgage free!

Imagine being made mortgage-free overnight!

Another client had a loan for a motor caravan and claimed the minimum £5000. The contract was found to be flawed, the loan was cancelled, the remaining £19,000 was written off and the client kept the vehicle.

There are numerous examples of people having balances wiped from credit cards issued by HSBC, Capital One, Halifax, Barclaycard Business, Egg and many others.

Could you be one of them?

You’ll find out by taking a look at 'Mortgage 999'

It’s chock-full of eye opening secrets and simple actions you can take to demolish all debt in the soonest possible time. Once you get the ball rolling on these strategies – and start using a few in tandem – you’ll be positively astounded how quickly your mortgage starts to shrink.

Sometimes it takes nothing but a simple phone call to save £5,000... £15,000... £50,000... even £100,000 in future debt!

Think of it like an extra "safety net" or think of it like a whole "lifestyle upgrade."

See, the most successful property investors refuse to be victims. They understand the risks involved... but use every trick in the book minimise their exposure to those risks... whatever they may be. It takes patience... and a little know-how this...

Insider finance tactics to keep your buy-to-let investments profitable - NO MATTER WHAT

We property investors have had a pretty good run in recent years.

Rental yields have been at a premium to interest rates. And phenomenal house price growth has meant that even unseasoned landlords have pocketed significant profits.

Now things aren’t so easy.

So...should YOU cut your losses and join the exodus out of buy-to-let?

Hell no!

Sure, things aren’t as easy as they were a three years ago, or even six months ago.

But be clear...

This CERTAINLY DOES NOT mean there aren’t significant profits still to be made from property investment.

It just means you need to buy more carefully...manage your properties better...and - most importantly - finance smarter.

In 'Mortgage 999', you’ll discover...

• Secure a new buy-to-let loan RIGHT NOW at a rate that’s 1% to 2% lower than those being dished out by most banks. As a landlord, you’re a riskier proposition to a lender. That’s why you can expect to be charged up to 2% more than the Standard Variable Rate...unless you use this simple - but incredibly effective - negotiation technique.
• ‘Discount Mortgages’ - the property investor’s greatest ally over the next 12 months. Whether you want to rein in your costs short-term, cover void periods or get a temporary cash boost from a property - a discount mortgage is the way to go. But how do they work...and what are the hidden catches?

• Use this clever refinancing secret to increase the profit margin on your investment properties by 350% in just 22 months!
  
  
• LANDLORDS WITH VACANT PROPERTIES! Use this special temporary mortgage to cancel out lost rent, penny-for-penny! If you’re having trouble finding new tenants, are renovating or otherwise out of the rental pool, this smart technique means your monthly loan payments can still be 100% covered. . .
  
  
• The ‘Diversification’ survival line all sane property investors use in 2009. How to ride recession by securing properties that offer guaranteed rents for 2 - 3 years.
  
  
• Plus many more proven techniques for maximising the gains on your investment properties - while minimising borrowing costs. These are methods used by some of the top property investors in the UK...and can be applied to ANY property investment to increase bottom line profit.
  
  

These approaches don’t just work for buy-to-let investors.
They can be applied to a whole raft of property investments... including renovation projects, redevelopments, land acquisitions, conversions, buy-to-sell properties, commercial property investments and even second home investments.

And what I really want to stress here is this:

Many of these asset-protecting, cost-cutting and wealth-building tactics are COST-FREE!

So isn’t it worth doing?

If you take these secrets and commit to using them, you could quite feasibly lay the foundation for hundreds of thousands of pounds in future savings - with literally an hour or two chatting on the phone!

Just imagine the overall difference that extra wealth - created literally from nothing - can make to your future... You could use the money to keep your buy-to-let investments afloat, even if the market stays dire for two years or more...

- Perhaps you’d reinvest it to buy stocks while they’re historically cheap...

- Maybe bring forward your retirement date a full five years...

- Perhaps you’d purchase a second property abroad, solely for holiday use?

These decisions can be yours to make...if you take a risk-free, no-obligation peek at 'Mortgage 999'

Wealthy property investors do not become wealthy by chance. They’re wealthy because they use every trick available to them to cut costs and maximise profits.

They don’t get scared off by hyped up horror stories in the finance pages. They have the guts, drive and determination to stay ‘in the market’... even when others are looking for the exits.

And truly successful investors see opportunity where others see crisis..

Position yourself now to exit this recession with your wealth not just intact... but substantially enlarged

Don’t get me wrong...

In the long-term, it’s not all doom and gloom.

It may take a little longer than normal, but we’ll come out of this crisis.

But it will be those who take the right actions NOW that come out ahead of the rest...

'Mortgage 999' will arm you with the information to take these actions. Including...

• A complete, warts-and-all guide to affective refinancing in the current climate. With tightening credit conditions, it’s harder than ever to find good mortgage deals, and switch to them without having to pay a packet. 'Mortgage 999' will give you a complete guide.
  
• How to use your spare savings to slash thousands in mortgage interest. An offset account lets customers link a saving account to their home loan account. This means every pound dollar in your savings account will directly offset against the balance on your home loan - in turn reducing the interest payable on your home loan. But how do they work... and which are the best on the market right now?
  
• A watertight 5-step ‘Background Check’ you should make on a mortgage provider BEFORE you sign. Right now, many panicked homeowners are looking for better finance deals. And many unscrupulous operators are more than willing to fleece them. Follow this guide to confirm the legitimacy, track record and trustworthiness of a potential lender. . .
  
• A no-nonsense guide to negotiating the very best deal possible from your lender. Now, more than ever, it’s important you secure the best terms on offer. We’ll show you how to structure your application in order to do this.
  
• Why switching to interest-only payments temporarily could cost you FAR more than you think... and a far better alternative you should consider...
  
• 'Worthless wing-dings’ that could be sucking away your cash! Thousands of Britons are currently paying for features on their home loans they just don’t use. We explore which ‘bells and whistles’ you can do with out... so you can save loads by refinancing.

You’ll get all that and more.

And remember my incredible promise: If you don’t make a MINIMUM of £10,000 savings in 12 months from what you discover in Mortgage 999... I’ll pay you back DOUBLE the cost!

If you’re invested in property, you’ve got nothing to lose by trying this out.

And one more thing...

Stay ahead of the pack throughout 2009...

Billion pound bail-outs... emergency rate cuts... wild dips in the stock market... massive bankruptcies and lay-offs...

As you’ve probably notices, economic conditions are pretty wild right now. It’s almost like someone’s pressed the ‘Fast Forward Button’ on the markets. Sometimes it’s hard to keep up.

We expect this volatility to continue... maybe even worsen... in the year to come.

That’s why our team will be working flat-out to update Time to decide whether you’re going to be a winner or loser in the ‘New Era of UK Property’Look, if you think you have things covered... if you don’t mind pumping money into banks that are ALREADY being gifted your tax pounds on a silver platter... if you’re happy to put up with improper lending practices, dodgy get-out clauses and ever-more ‘hidden fees’... if you’re content with paying MORE for your mortgage, even if base rates continue to fall...

...then maybe this isn’t for you.

But if you’re excited with what you’ve read so far...

If you’re sick to the back teeth with being railroaded into mainstream mortgages that make the banks rich and YOU poor...

And if you get a tingle of excitement at the thought of creating £20,000, £50,000 and even £200,000 in extra wealth with a couple of 15 minutes phone calls...

...then let me make this as simple as possible:

Wipe £10,000 off your overall debt or I’LL PAY YOU!

No joke. I’m deadly serious.

Let me send you the brand new, just-completed 'Mortgage 999'

If you take these mortgage secrets, use them, and are unable to wipe at least £10,000 of your future capital repayments... then I insist on sending you back a cheque.

Only it won’t be a standard refund...

Instead the cheque will be for DOUBLE the amount you paid for the report!

No questions will be asked.

Just show me in an email you've failed to save money and I’ll return every penny you’ve paid.

And then the same amount again.

My accountant thinks I’m bonkers making an offer like this.

Don’t get me wrong, he believes in these proven cost-reduction and mortgage optimisation techniques as much as I do.

But he reckons I’ll lose money when "freebie hunters" order'Mortgage 999'... profit from all the timely secrets and advice... then ask for a double refund anyway.

That may be so. Things are pretty desperate out there right now.

But I’m still going to give you this guarantee, for two reasons:

1) I believe that for every dishonest "freebie hunter" out there who makes use of all these hard-won secrets and still asks for free money... there will be 50 honest homeowners and property investors who truly appreciate the unique and timely quality of this wealth-building advice... and will be more than happy to let me keep my small fee. Afterall they'll also be getting regular updated copies too when other bargains, tricks or secrets unfold!

And,

2) I KNOW - beyond a shadow of a doubt - that these secrets work. I’ve done it myself. Implementing these techniques with my investment partner over the last 24 months, we’ve already saved an incredible £900,000 in future interest charges.

And it was so easy to do... literally, as I keep saying, as easy as picking up a telephone!

And now you have a brand new manual that will walk you through each and every opportunity open to you.

But don’t just take me on my word. . .

Wipe £10,000 off your overall debt or I’LL PAY YOU!

But what will you end up paying for 'Mortgage 999', should you like what you see?

You’re probably thinking that any resource with the power to make you many hundreds of thousands of pounds in the long-term probably comes with a hefty price tag.

Truthfully, if I were giving you this information personally, and charging you based on my one-to-one consultancy rate, it wouldn't be unreasonable at all to ask £5,000 to £10,000 for all the advice you're going to get.

But you’ll be pleased to hear I’m not charging anywhere near that amount.

The full price of 'Mortgage 999' is just £247.

That’s very reasonable indeed, considering you get your money back if you don’t make savings of AT LEAST £10,000.

That’s attractive maths in anyone’s book.

But you know what?

If you act quickly, you won’t even pay £247. . .

SPECIAL LIMITED LAUNCH OFFER:Order Mortgage 999 within 7 days and receive a £100 discount off the full price!

That means you get everything outlined in this letter for just £147 (Including UK P&P).

If you respond to this invitation within the next SEVEN DAYS, I’ll give you this £100 'Special Limited Launch Discount'

That’s a whole week to save yourself £100!

And remember: even this discounted rate is backed up with my unprecedented guarantee.

If it doesn’t live up to every one of my claims, I’ll pay you back your £147... and then I’ll pay you £147 AGAIN!

Worst case scenario, you’ll come out of the deal £147 up.

But you really do need to jump on this right away.

This launch offer expires in just seven days time. I simply can’t hold it open any longer than that. After then, the price reverts to £247.

Think about it.

Is £147 a reasonable investment in a resource with the power to return one thousand times that figure over the next twenty years?

Of course it is.

And, you'll have no risk... because of our 100% double-your - money-back guarantee...

If you’re still on the fence, let me put it this way...

Go to the finance part of major online news source on the planet. Look at where we are right now. It’s not pretty... and not just for property owners and investors. Everyone is hurting... and there’s a chance it’s going to get much worse before it gets better.

With their homes, most Britons are in a hole. Buy-to-Letters are facing bankruptcy in record numbers.

Trillions of pounds are already gone in the form of property values, stock values, and tax-payer pounds. Just vanished! We have crossed a bridge. And it has collapsed behind us.

Do you want to take action now... while there’s still something you can do about it?

Or are you happy to sit back and watch your property wealth disintegrate before your very eyes?

Don't wind up kicking yourself because you missed this chance.

Click on the link here to be taken to our secure payment gateway and start your 30 day risk-free trial of 'Mortgage 999' before it's too late!

Start Your 30 - Day Risk Free Trial Here!

Sincerely,





Don James

'Mortgage 999'

PS: Let me spell out my promise to you again...

Either use these secrets to wipe at least £10,000 of your future capital repayments... or I’ll refund you DOUBLE what you paid!

That should make this decision as easy as pie. Simply click here to take advantage of my 'early bird' offer of £147

PPS: If you place your order within the next 24 hours, you’ll receive our unique and useful ‘Mortgage Bail Out Calculator’.

Stocks are limited. Secure your FREE ‘Mortgage Bail Out Calculator’ TODAY!

Click Here To Order NOW!

Mortgage 999 is an unregulated product. Information in Mortgage 999 is for general information only and is not intended to be relied upon by individual readers in making (or not making) specific investment decisions. Appropriate independent advice should be obtained before making any such decision. Mortgage 999 is published by Land Projects UK LTD. Registered offices: First Floor, Unit K, Riverside Industrial Estate, Bridge Road, Littlehampton. BN17 5DF - Copyright and published by Don James ©.

Promotional Code: W970K616

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