Our Swindon Chiropractic Clinic has treated many patients…
We offer a safe, effective hands-on treatment which gets straight to the cause of the pain, and have been practicing in Swindon old town since 1982. Our swindon chiropractic can help if you suffer from:
Back pain specialist
Hip and groin pain
Shoulder, arm and hand pain
Headaches and Stress
Arthritic pain and rheumatism
Sports injuries, and much more…
What Is A Chiropractor?
A swindon chiropractor is a health care professional focused on the diagnosis and treatment neuromuscular disorders, with an emphasis on treatment through manual adjustment and/or manipulation of the spine.
Most chiropractors seek to reduce pain and improve the functionality of patients as well as to educate them on how they can account for their own health via exercise, ergonomics and other therapies to treat back pain.
Chiropractic is generally categorized as alternative medicine or complementary medicine.
Chiropractors: Fundamental Beliefs and Goals
Chiropractors in swindon focus on the intimate relationship between the nervous system and spine, and hold true the following beliefs:
Biomechanical and structural derangement of the spine can affect the nervous system
For many conditions, chiropractic treatment can restore the structural integrity of the spine, reduce pressure on the sensitive neurological tissue, and consequently improve the health of the individual
Chiropractic is a health profession focused on treating spinal and musculoskeletal problems primarily through manual manipulation. A chiropractor does not prescribe medication, but relies on a variety of manual therapies, including spinal manipulation, mobilization, and adjunctive therapies, to improve function and provide pain relief.
It is known fact, property investment is one of the best ways to grow your personal wealth. The biggest problem since the financial markets crash of 2008 is that many banks no longer lend to these individuals and really have no appetite for property as an asset class.
Prior to 2008 banks were lending on the most riskiest property portfolio’s in the industry. Many of the large Icelandic and Scandinavian banks were investing it the emerging markets, where property was over valued and based on an increasing scale. This was the property investment bubble, that all known economists worth their salt could have predicted 3 years before the crash.
So now its 2015 and property is still one of the best ways to grow your investment portfolio, but how can the average person go about this? Property shows of yesteryear glamourising auction buying and “do it your self landlords” are a thing of the past. The only people who make money out of property these days are the very wealthy cash buyers, who can snap up bargains quicker than a bank would lend.
So myself being an average person and also having an investment portfolio before the market crash of over £2m, how can I get back into the game. The answer non status bridging loans and finance.
What Are Non Status Bridging Loans?
Authority site moneysupermarket describe a bridging loan as Bridging loans are a short-term funding option. They are used to ‘bridge’ a gap between a debt coming due – and we’re talking primarily about property transactions, here – and the main line of credit becoming available. Or they can simply act as a short-term loan in pressing circumstances.” In reality the process is a lot simpler, no credit checks, no up-front money just base the decision on the deal and the apetite of the bridging company. A lot of bridging companies these days have private client finance and although the interest rate terms can be quite high, they will lend on most projects.
However, be aware there are a lot of companies out there that “package” meaning they will act as a refer of deals contacting a lot of the known primary bridging companies to get the deal placed. These companies work on commission but usually are unreliable as they are unable to guarantee they can place the deal as many times the deal is only placed once the primary lender is satisfied with the lending criteria.
This is not the case with private finance funding with bridging companies. They see the deal, if they like it they lend. It is as simple as that.
Below is great video explaining the bridging process, rates and type of projects (images speak louder than words).
So Why Is Bridging Finance So Great?
Simple. As the experts we can source property and have a guarantee funding line. You will have to put down some money upfront (no accredited bridging finance company will offer 100% finance), so you have to be a serious investor not a “auction freebie hunter”. This is why bridging finance should only be used by property investment experts who understand the risk involved and have the skill set, team and knowledge of the industry.
How Did I Use Non Status Bridging Finance?
In my case for example, I found this property at auction late last year. A run down probate property, hadn’t been updated since the 1970s and few structural issues. I did thorough due diligence (checked legal packs, got team down to inspect crack on side of the exterior wall, comparable market values, etc..) I was able to secure the purchase for £100, 000, I had £30, 000 to invest upfront so I needed the remainder of £80, 000 to complete, which would have left £10, 000 for the renovation work.
I came across this bridging company who after some negotiation and back and forth were able to lend 80% on current market value (£100, 000). Which was £80, 000. All I needed to complete.
As property projects go this one had its faults and few “hidden problems”, but all in all was a good deal. I was able to refinance the property at the new market value of £180, 000 in 6 months. Which left me with approximately £60, 000 profit on the deal. Without bridging I wouldn’t have been able to do this.
Granted I am a property investment expert and deals like this are my bread and butter but it just goes to show that bridging finance can help you if you use it correctly.
What did I do with my £60, 000 profit? Well I invested it in something not property related that could offer me a guaranteed 60% ROI per year!