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Tuesday August 19, 2008 - Wine Com

Today's Wine Com Article

Home Cellar - Mortgage repayment option from Premiercru Fine Wine Investments



Mortgage payments are a considerable cost to a household, and homeowners are searching for ways to save money. Running an investment plan alongside an interest only mortgage can considerably reduce costs in the long term, and Premier Cru Fine Wine Investments believes that Fine Wine acts as an ideal investment vehicle for mortgage repayment.
To meet the growing needs of homeowners, Premier Cru Fine Wine Investment has today launched a Fine Wine Investment Mortgage Repayment Product, branded 'Home Cellars', which uses fine wine as the repayment vehicle, alongside most interest only mortgages
Key points include:
* Potential to significantly reduce costs compared to Capital Repayment schemes (see below);


* Investment is tax free and not assigned to the mortgage lender;


* Growth in Fine Wine generally exceeds standard investments (see graph)


* Long history of stability in the Fine Wine investment market;


* Investment is flexible allowing the holder to adjust monthly payments to suit financial needs; and


* Life assurance is a separate term insurance, meaning holders do not lose cover if the wine investment is temporarily stopped.


Comparison of Capital Repayment Mortgage vs Interest Only with a Fine Wine Investment Vehicle
This comparison is based on a 35 year old non smoker with a ?250,000 mortgage at 5.45% fixed for the term of the loan. Wine fund growth is at 10% p.a with no growth for first 3 years, including 1.5% p.a management fee. Source: Fiscal Concepts Mortgage Brokerage.

About the Author


by Jo Adams for Fabweb Internet Services on behalf of Premier Cru Fine Wine Investments Limited

A synopsis on Wine Com.

Home Cellar - Mortgage repayment option from Premiercru Fine Wine Investments


Mortgage payments are a considerable cost to a household, and homeowners are searching for ways to save money. Running an investment plan alongside an...


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EuroCave Wine Rack System - Magnum Rolling Shelf


Euoracks from EuroCave are made of solid French oak and designed to offer a complete wine racking solution that is versatile functional and attractive. Each Eurorack can be stacked on or connected to another. You’ll get options like a bar module with hanging stem rack a wood case module with rollout shelves and a drawer curved corner module and horizontal bottle display. Select individual pieces or combine them to rack an entire cellar. Naturally moisture resistant these white oak racks are ideal for a wine cellar environment but beautiful enough to make a statement in any room in your home.Set of 10. Use with Basic Module will roll out 6 or 7 bottles of wine.Please allow 12-14 weeks for delivery.


Price: 74.00 USD



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