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Elite Screens ER120WH1 Sable Fixed Frame (120" 16:9 AR) List Price: $469.00 Sale Price: $263.75  |
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Elite Screens ER120WH1 Sable Frame Series Screen |
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Elite Screens ER106WH1 Sable Fixed Frame (106" 16:9 AR) List Price: $429.00 Sale Price: Too low to display |
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The Sable series from Elite Screens is a finely crafted fixed-frame projection screen. It uses Elite's award-winning CineWhite 1.1 gain matte white material with wide diffusion uniformity, color neutrality, and black backing to eliminate light penetration... |
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Elite Screens ER92WH1 Sable Fixed Frame (92" 16:9 AR) List Price: $359.00 Sale Price: Too low to display |
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The Elite 45 x 79.9" Sable Fixed Frame Projection Screen is a simple, affordable and efficient screen for home or educational use. It is designed to accommodate today's Home Cinema 720P and 1080P projectors... |
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Elite Screens ER110WH1 Sable Fixed Frame (110" 16:9 AR) List Price: $439.00 Sale Price: Too low to display |
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The Elite 54 x 96" Sable Fixed Frame Projection Screen is a simple, affordable and efficient screen for home or educational use. It is designed to accommodate today's Home Cinema 720P and 1080P projectors... |
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Elite Screens ER100WH1 Sable Fixed Frame (100" 16:9 AR) List Price: $389.00 Sale Price: Too low to display |
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The Elite 49 x 87" Sable Fixed Frame Projection Screen is a simple, affordable and efficient screen for home or educational use. It is designed to accommodate today's Home Cinema 720P and 1080P projectors... |
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Elitech 100" Fixed Frame Projector Projection Screen 16:9 HDTV Format High Contrast Grey Sale Price: $219.95 |
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This is a brand new Elitech Maxview home theater Fixed Frame screen. This professional grade, durable fixed frame screen features super quality, beveled aluminum frame covered with beautiful plush black velvet... |
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Nikon 35mm f/1.8G AF-S DX Lens for Nikon Digital SLR Cameras List Price: $219.95 Sale Price: $199.00 Used From: $172.00 |
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The AF-S DX Nikkor 35mm f/1.8G optical design allows a different look and feel to images taken with zoom lenses, and its dimensions are ideal for discrete snapshots and landscape shooting with a picture angle that approximates that of the human eye... |
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Maxstar Premier 84" 16:9 Fixed Frame Projector Screen with Black Velvet Frame List Price: $1,098.00 Sale Price: $168.00 |
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The Maxsuma PremierTM Fixed Frame projection screen is the perfect choice for your home theater, office, church, or school. This lightweight and durable flat screen features hand-crafted quality construction with a black velvet wrapped aluminum frame to absorb projector "over scan"... |
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FAVI 16:9/120-Inch Fixed Frame Projector Screen (FF2-HD-120) List Price: $397.00 Sale Price: $397.00 |
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The 120 inch Fixed Frame Projector Screen by FAVI makes the perfect centerpiece for any home theater room. With its perfectly flat, high gain viewing surface and elegant black velvet borders, this projector screen is sure to impress... |
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AccuScreens 800025 Fixed Frame Projection Screen $262.99 AccuScreens 800025 Fixed Frame Projection Screen |
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Draper AccuScreens Fixed Frame Projection Screen $228.47 Draper AccuScreens Fixed Frame Projection Screen |
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AccuScreens 800019 Fixed Frame Projection Screen $258.49 AccuScreens 800019 Fixed Frame Projection Screen |
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Elite Screens SableFrame Fixed Frame Projection Screen $256.49 Elite Screens SableFrame Fixed Frame Projection Screen |
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Elite Screens Ez-Frame Series Fixed Frame Projection Screen $435.49 Elite Screens Ez-Frame Series Fixed Frame Projection Screen |
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Elite Screens SableFrame ER106WH1 Fixed Frame Projection Screen $283.49 Elite Screens SableFrame ER106WH1 Fixed Frame Projection Screen |
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Elite Screens SableFrame ER110WH1 Fixed Frame Projection Screen $295.99 Elite Screens SableFrame ER110WH1 Fixed Frame Projection Screen |
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Mustang SC-F106CW169 106-inch Fixed Frame $164.49 This Mustang's fixed frame projection screen is easily assembled and installed. This Mustang's fixed frame projection screen offers a clean line design that also delivers top-of-the-line performance. |
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Mustang SC-F92CW169 92-inch Fixed Frame $143.99 This Mustang's fixed frame projection screen is easily assembled and installed. This Mustang's fixed frame projection screen offers a clean line design that also delivers top-of-the-line performance. |
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AccuScreens SoundScreen Fixed Projection Screen $208.79 AccuScreens SoundScreen Fixed Projection Screen |
Fixed Frame
Homeowners Face Fixed Rate Mortgage Misery
The current mortgage market is a difficult one for buyers, with rising interest rates causing considerable consternation among homeowners. But for those on fixed rate mortgages, the next few months could prove particularly painful, as deals come to an abrupt end and mortgage payments shoot up. In some cases, monthly mortgage bills are expected to leap as much as 40%.
In the summer of 2005, tens of thousands of people took out a two-year fixed rate mortgage, making the most of interest rates as low as 4.25%. Since then, however, the Bank of England has raised interest rates four times to an uncomfortable 5.5%; and some economists are predicting a further rise in July, with a possible 6% interest rate before the end of 2007.
Investment bank Credit Suisse has estimated that one in five British homeowners switched mortgages to fixed rate mortgages in August 2005. If you are one of those borrowers, you may now face a shock as your two-year arrangement ends, and you move onto your lender’s far steeper standard variable rate (SVR) - generally around two per cent above the bank rate. Some are even predicting that payments could rise by a third or even more for those who took out interest only mortgages - with repayments on a £400,000 interest only mortgage increasing from about £1,400 a month to about £2,000, a staggering rise of 43 per cent.
Even if you signed up to a good fixed rate mortgage that now allows you to shop around for new deals, you may struggle to re-finance the purchase of your home for anything less than 6%. In addition, banks and building societies have hiked their arrangement fees to £1,000 or more, a hefty increase on the fees charged in June 2005, when the best fixed rate carried an arrangement cost of just £389.
Such tales of doom and gloom, however, should not overly deter the canny homeowner. Lenders may offer good fixed rate deals in the hope that you will forget to move your mortgage at the end of the fixed term. You will then find yourself paying potentially punishing rates on their SVRs. The obvious advice is to keep a close eye on your mortgage arrangements and shop around for the best deal.
In addition, be wary of fixed rate deals that lock you in, charging a fee if you want to move the deal within a certain time-frame. For example, a two-year fixed rate deal might have a ‘collar’ that stops you from switching deals for a further three years or even more. With the interest-rate hikes of the past 10 months, many homeowners on such locked-in deals might now be finding themselves forced to face stiff payments. To avoid such pitfalls, avoid fixed rate mortgages with extended redemption penalties. You will then retain your freedom to shop around for the best deals once the fixed rate comes to an end.
Also be wary of merely looking at interest rates. Some lenders will offset low rates with higher arrangement fees. Or lenders might offer substantially lower mortgage rates to customers who also buy buildings and contents insurance from them. If those insurance premiums are high, they offset the low rate - the lender makes a profit, but you may have unwittingly missed out on a good mortgage rate.
"Many existing borrowers now face substantial payment increases as their favourable fixed rate deals of old come to an end," said Sophie Neary, product director at BeatThatQuote.com. "In this market, it has never been more important to shop around the mortgage lenders and plan ahead carefully." BeatthatQuote.com has extensively researched the market, locating the best mortgage products and lenders for individual circumstances. Using a service such as this could help you better manage current uncertainties, ensuring you get the best out of your finances now and well into the future.
About the Author
Caroline Poynton writes for Beat That Quote on all loans and mortgages topics.