Property development is big business. The rash of television programs about household makeovers and renovations reflects our present obsession with property as a way to make lots of money, quickly. It may seem a fail safe way to make a killing - buy a shabby home, paint the place magnolia, add laminate floors, and bingo!

The truth is, of course, property development means a lot of hard work, and involves a specific degree of danger. A lot of developers will have a lot more than one property on the go at once, and to cover repayments can wind up becoming an expensive business.

When you factor in the time it takes to renovate a property, then market and sell it, it adds up to a number of months when you'll have to be paying out on a mortgage. Not just that, but the fact that rates for commercial property is generally greater than for residential mortgages, and it might be a costly period indeed.

Other reasons you might require a commercial mortgage is in case you are acquiring business premises or buy to let real estate. For all of those needs, you will want to keep your monthly expenses as low as possible.

One remedy is taking out an interest only mortgage, including an endowment mortgage. This will reduce your repayments, as well as the additional security provided by the endowment policy could result in the lender providing an improved interest rate for your mortgage.

You'll be paying interest installments, plus separate portions into an endowment policy. The payment of the funds or principal will come from the profits of the endowment policy.

Endowments - The Negative Press

In recent times there have been scandalous reports about endowment policies becoming mis-sold. Thousands of people today lost out when their policies failed to generate the lump sum necessary to pay off the capital.

In case you wind up with an endowment policy that has not produced the money to pay off your capital, you could be entitled to compensation if the assistance you received was not adequate to make you aware of the danger involved.

Use that cash to raise capital on investments on a shell corporation. When you own a small business, search: why go public.

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