Luxury Home Communities in Miami

When it comes to living in Miami, you have a number of options available to you for communities. Whether you are looking to live right in the city, where you will be right in the middle of all the action, or you prefer something a little more quiet, you are sure to find the type of luxury community you are looking for, one that is conveniently located near all of the area’s best attractions, shopping and much more, and one that is ideal for raising a family.

If you are looking to move to one of Miami’s luxury communities, you will have your choice of gated communities, waterfront property, luxury condominiums and many more types of luxury rental properties. There are so many wonderful communities in Miami that your biggest problem is going to be deciding which one is best for you and your family. Some of the things that you will want to consider to make your decision easier are:

• Is there a good school in the area?
• Is the property waterfront?
• Is the property and home large enough?
• Is the community gated?
• Is the community conveniently located near your place of employment, shopping and other services you use on a regular basis?
• What type of real estate is available in the community (i.e., houses, condominiums, etc.)?
• Does the community have security?
• Any other questions you may have that you want to add to this list.

Popular Miami Luxury Communities

No matter what type of luxury community you would like to live in, you will find it in Miami. There are so many beautiful communities that have all of the luxuries one could ever want, from swimming pools and tennis courts to beautiful, sandy beaches right on your own property. Enjoy luxury living in Miami when you come to one of these communities and start living the life that you were meant to live.

Gables by the Sea – This is a luxurious community located in Coral Gables, with beautiful estates that have ocean access. This community has everything you and your family could want for recreation, including basketball courts, tennis courts and a playground for the children. This is a secure community, with a 24-hour patrol and a guard house. Because the weather is beautiful year-round, and you will have ocean access, you can enjoy a number of water sports while living in one of the many Miami luxury homes.

Tahiti Beach – If you are looking for the utmost in luxury, you will find it at Tahiti Beach, an amazing gated community. There are 29 estates in this beautiful community, and they have lovely water views of the bay and/or the ocean. This community offers residents a tennis club, a park and a beach, and it is secure, with an armed guard at the gate.

Grove Isle – Coconut Grove is famous for many things, including Grove Isle in Biscayne Bay, a gorgeous community that boasts many Miami luxury homes. This community is an island and is private as well as gated. Here you will find luxury condominiums that have all of the amenities you could want or need, including heated swimming pools and a marina. There is also a sports club, where you can play tennis, swim in the pools or at the beach, or visit the fitness center.

The Cloisters – This is another Coconut Grove gem of a community that is gated and has 40 private villas with three floors, five bedrooms, and two-car garages. Each villa has a rooftop terrace where you have a spectacular view of the entire area, including the bay and Miami, and residents can enjoy using the swimming pool, tennis court and club house. These are luxury Miami homes at their finest, and a community you will love to call home.

CocoPlum – Here is a wonderful community for boat owners that has a dockmaster and a full service marina for residents. This is a luxury gated community that has 24-hour security patrol for your safety. Here you will find many Miami luxury homes, and plenty of things to do, including swimming, tennis, and a playground for children, where they can enjoy their favorite games in a safe atmosphere.

Biscayne Point and Stillwater – These are communities that are very secluded and private, located west of Miami Beach. Here you will find many luxury homes, with amazing views of Biscayne Bay. You will find a number of Miami luxury homes, including condominiums, family homes and classic houses that overlook the water and all have large yards that are private and gated. This is the place to be if you want to enjoy Miami Beach and all that Miami Beach luxury homes have to offer.

Fisher Island – This is the ultimate in luxury living. Fisher Island offers residents plenty of privacy, and is one of the most elegant communities in Miami. This is one of the richest neighborhoods in Miami, and homes in this community are highly sought after. Fisher Island is home to such celebrities as Oprah Winfrey and Julia Roberts, and it is only accessible by ferry or helicopter. You will find many types of Miami Beach luxury homes here, as well as a golf course, restaurants, shopping and the Fisher Island Beach Club.

Miami Beach -Where will you find the most beautiful Miami Beach luxury homes, or a Miami Beach waterfront home? In Miami Beach, of course. You will find waterfront properties, estates, condominiums and mansions on the Miami Beach waterfront, and you will be living near all of the South Beach action, so you will never be far from great shopping, dining and night life. Some of the most luxurious homes in Miami are in this area, including the Indian Creek neighborhood, where you will find some of the largest homes in the city.

Hibiscus Island – This is a man-made community where you will find the lavish luxury Miami Beach waterfront home you are looking for. This is a secure, gated community and you will find all types of real estate here, including luxury homes, estates and condominiums. The designs of the homes vary from classic styles to more modern ones, and there are tennis courts for residents, as well as clean, safe playgrounds for the children.

North Bay Road – Here is a small community that is mainly filled with luxury single family homes. Many homes have swimming pools and private docks, so if you love boating, you will be in the right place. The plots of land are large, and most homes have luxurious, large yards that are beautifully landscaped. Here you will find the luxury Miami Beach home of your dreams, within walking distance of golf clubs, dining and shopping.

This is just a quick rundown of only a few of the amazing luxury communities in Miami. When you are looking for property, be it condominiums, single family houses, estates, oceanfront properties, mansions, or any other type of real estate, you are going to find exactly what you need when you decide to live in Miami. You can do more research on these communities, as well as learn about other luxury communities in Miami, on the Internet.

Best Mortgage Rates: Are You Doing the Right Things to Get Them?

The mortgage market has significantly changed in the last couple of years. The number of mortgage products available is much smaller than it used to be, 90% LTV mortgages have almost disappeared, and lenders in general are becoming a lot more careful. No longer do they allow mortgages equal to 6 times your yearly income, and for customers with poor credits rating, getting a mortgage has become extremely difficult. Despite the credit crunch, there are still some great mortgage deals available on the market. We give you 7 tips to help you get the best mortgage rates:

1. Make sure you’ve got a large deposit: while 90% LTV mortgages might still be available from some lenders, the best mortgage rates are usually available on less than 75% LTV products. Make sure you save as much as you can for your upfront deposit.

2. Large deposits go a long way for remortgages as well: because of the drop in property prices, you may well find that the LTV for your property is higher than when you applied for your first mortgage. An option could be to use the money in your saving accounts towards a deposit in order to get a better remortgage deal.

3. Check your credit record: the buyers most affected by the credit crunch are people with bad credit, also known as “sub prime”. If you’ve got bad credit, the rates available to you will be significantly higher as the lenders want to protect themselves against the risk of lending money to somebody with a poor credit record. Make sure you check your credit record and take corrective steps to bring back things on the right track.

4. Speak to a professional mortgage adviser: If you have got a special situation, for example if you’re self-employed, it is really important that you speak to a mortgage adviser. A good mortgage adviser will work with you to understand your personal situation and find out the best products available for your circumstances.

5. Go for fixed rate products if you want security: fixed rate mortgages guarantee that your mortgage repayments will stay the same and will not fluctuate with changes in the Bank of England interest rate. This security comes at a price though, as fixed rate mortgage deals are generally less competitive than variable rate products.

6. Choose a tracker mortgage for the best rates: tracker mortgages rates fluctuate with the bank of England base rate. The rates offered for tracker mortgages are in general lower than fixed rate mortgages. There always the risk though that the base rate could go up and result in higher mortgage payments if you choose a tracker mortgage.

7. Be careful with the arrangement fees: the best mortgage deals sometimes come with high arrangement fees. It is important that you calculate the cost of the mortgage over the entire term, taking the arrangement fees into account, to find out what is the best mortgage deal for your situation.

Lucrative Commercial Property for Sale, Say Foreign Investors

According to some research sources, commercial property prices are continuing to rise, while others insist the market is slowing. Either way, now could be an ideal time to consider if your current business premises is going to be sufficient for your needs over the next two or three years. The economy has meant some businesses might have been unable or unwilling to commit to moving to a larger or more appropriate building.

After all, it’s better to keep a job in an outdated building than to have no job at all. However, there are signs of national economic recovery and many companies are wondering if now is a good time to buy a new workplace, or even consider becoming a landlord. Foreign investors into British commercial property for sale have had this idea for some time now, taking advantage of low prices and helping bump values and stir up investment, especially in the City of London.

Some companies might also be motivated to buy their own property because of the resultant rising rents, and not just in the capital but outside London and beyond the M25. As the economy recovers there will be plenty of opportunity for people with their pulse on the property market to make the most of the upturn. A snapshot of values across the country shows a predictable variation of the price of commercial property for sale.

Some canny company business owners also trawl residential building specifications for suitable premises for their operations – though change of use permission can make the buying process slightly more lengthy and complicated.

Official house price figures for July fell, according to the Royal Institution of Chartered Surveyors (RICS), whose surveyors recorded a glut of properties being put up for sale, which could account for the overall price drop. “The fall in the RICS house price measure is broadly consistent with most other recent data that has been released,” said Ian Perry, RICS spokesman “Significantly, the forward looking price expectations numbers suggest that this softer trend will continue through the second half of the year. However, agents are still generally optimistic about sales activity which should benefit from more realistic pricing of properties.”

This means, presently, it could be a buyer’s market and whether you are looking for commercial or residential properties, it’s wise to keep a close eye on what’s occurring. More good news for business owners and their properties is that the government is considering changes to Discretionary Business Rate Discounts to make them fairer.