Real Estate

Articles and Information about Real Estate

CSchroeder Home | Institutions | Loans
Colleges and Universities | Search Engines

Finding the Right Buy to Let Mortgage for Your Investment Property


Finding the right buy to let mortgage is crucial to your success as a property investor. Unlike other forms of investment, a lot of the money you put into a buy-to-let property is likely to be borrowed. Over the last few years, the buy to let mortgage market has boomed, and borrowing money to invest in this way has become easier than ever. There are a number of different buy to let mortgage products available from fixed rates, discounted variable rates, discounted rates and so on. Different products may be suitable for different investment properties.

However it is very important that you get the correct guidance with your finance. Questions that are worth considering when finding a suitable buy to let mortgage:

1. Do they have access to lots of different products in the market place?

2. Do they have the ability to create a long term property development strategy for you?

3. Are they able to secure Exclusive Products?

4. Are they able to arrange mortgages within 10 working days?

Most lenders will offer a maximum loan of 85% requiring you to fund at least a 15% deposit. The buy to let mortgage industry is very competitive with new products being launched on a very regular basis. Some brokers may charge a brokerage fee up to 2% to arrange the finance for you but don't let this put you off because if they do have the ability to secure exclusive products for you, it could be very beneficial to your cashflow as a landlord. Plus, if they are able to reach formal mortgage offer stage in a very short space of time, this could result in you being able to secure property at very competitive prices if you have the ability to tell the vendor that you can have the deal completed within a matter of a few weeks.

As an experienced property investor for more than a decade, it becomes clearer all the time for the importance of finding a good buy to let mortgage provider. Learn how to find the best buy to let mortgage products as they can result in the make or break of your profit margins when dealing in property investment. Learn more at http://www.buytolet4sale.com


MORE RESOURCES:
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/0-0fd=Rurl=http://www.foxnews.com/story/0,2933,454972,00.htmlcid=1272416752ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFgrvVLkwHJwAf2FzD1LJa-aRHHyQRealtors Say Foreigners Hold Key to bReal Estate/b Revival/abrfont size=-1font color=#6f6f6fFOXNewsnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1By Phil Keating American breal estate/b agents say there#39;s a surefire way to help the country#39;s plummeting breal estate/b market: Let foreigners retire here after b.../b/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/1-0fd=Rurl=http://www.marketwatch.com/news/story/Investment-Regimes-Indian-Real-Estate/story.aspx%3Fguid%3D%257BB5170809-4AC3-42DB-B8D6-ADE1A2BEF466%257Dcid=1272472448ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFXDG7SrcZHUhPSgEFzqcFfjVJ0zAInvestment Regimes for Indian bReal Estate/b Sector Explored/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1Just as water seeks its own level, global investment, too, is gushing into breal estate/b in India; its meandering path is revealed in detail in the following b.../b/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/2-0fd=Rurl=http://www.marketwatch.com/news/story/Real-Estate-Market-Slumps-Showhomes/story.aspx%3Fguid%3D%257B6F552349-6251-4269-B6A9-F3A1981F8168%257Dcid=1272368466ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFQHhb9Hm0XeJBNAduKJOrE_fkzUQbReal Estate/b Market Slumps, Showhomes Soars/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1Like many companies in the breal estate/b industry, Showhomes posted huge gains in the housing boom. In 2004, at the height of the boom, Showhomes helped b.../b/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/3-0fd=Rurl=http://money.cnn.com/news/newsfeeds/articles/apwire/b6c2153677bf1c6ad21b863c86c9417d.htmcid=1272009169ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGivf4PbXSVmmoREYEghTGInjjqqwMoody#39;s: Commercial breal estate/b prices rise/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1NEW YORK (Associated Press) - Commercial breal estate/b prices increased in September, according to Moody#39;s/REAL Commercial Property Price Indices, b.../b/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/4-0fd=Rurl=http://latimesblogs.latimes.com/laland/2008/11/one-of-the-lead.htmlcid=1272058652ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFazjZz9U2mXKU5RZgUWy0Ij3PX1wArchitects see drop in breal estate/b design contracts/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1One way to tell if a recovery is on the horizon is to check in with architects. When they start drawing, development eventually follows. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-1fd=Rurl=http://www.housingwire.com/2008/11/19/key-re-index-drops-to-record-low-in-october/cid=1272058652ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGUrXA7dpQ4Trrsl-xsixsKVxB9EwKey RE Index Drops to Record Low in October/a font size=-1 color=#6f6f6fnobrHousing Wire/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-2fd=Rurl=http://www.bizjournals.com/denver/stories/2008/11/17/daily32.htmlcid=1272058652ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGjhvFjAyr_pqCL6PQow0gqMOTVcABillings by architects fall in West/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272058652hl=ennobrall 65 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/5i-0fd=Rurl=http://www.ibtimes.com/prnews/20081120/reit-industry-honors-leland-speed-and-martin-cicco.htmcid=1272411165ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFPq3FWKzn_YFeSfWG4jy7ZLkgHzwimg src=http://news.google.com/news?imgefp=Ngknfv3zz8sJimgurl=www.ibtimes.com/data/prnews/23695.jpg width=80 height=80 alt= border=1brfont size=-2International Business Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/5-0fd=Rurl=http://www.marketwatch.com/news/story/Research-Markets-Investors-Suffrage-Real/story.aspx%3Fguid%3D%257B62DD0C85-7BC7-4435-AF76-8572E18596C7%257Dcid=1272411165ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNECyKTxtFqvjVRMXw4BuivA5CH40wResearch and Markets: Investor#39;s Suffrage: bReal Estate/b Investment b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr24 minutes ago/nobr/fontbrfont size=-1The write-up explores REITs, which are essentially investment vehicles that invest in breal estate/b directly, either through properties or mortgages. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/5-1fd=Rurl=http://www.reuters.com/article/innovationNews/idUSTRE4AJ0PC20081120cid=1272411165ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFpd8p-hh3M9ZGlbQSSQoZ598Q0HQUS REITs may be takeover targets in next few years/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/5-2fd=Rurl=http://www.prweb.com/releases/Leland_Speed/Martin_Cicco/prweb1582014.htmcid=1272411165ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFTjo0HW-iBhHitq0BCpzGNI0prNAREIT Industry Honors Leland Speed and Martin Cicco/a font size=-1 color=#6f6f6fnobrPR Web (press release)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/5-3fd=Rurl=http://www.globest.com/news/1287_1287/insider/175342-1.htmlcid=1272411165ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFJaCh3zto65nIjDwqZ2uef1XAOMgREITs Struggle to Maintain Equilibrium/a font size=-1 color=#6f6f6fnobrGlobeSt. com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272411165hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/6i-0fd=Rurl=http://www.reuters.com/article/hotStocksNews/idUSTRE4AI5MH20081119cid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNHqMOfvvsNXkq1gmO6VPzx3aDeaHgimg src=http://news.google.com/news?imgefp=XVuA8yiQ2LIJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081119%26t%3D2%26i%3D6876351%26w%3D192%26r%3D2008-11-19T193234Z_01_BTRE4AI1BTF00_RTROPTP_0_TARGET width=80 height=50 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/6-0fd=Rurl=http://www.google.com/hostednews/ap/article/ALeqM5izZJX0Q9xiHBM5Mg3-Ee1B6sI8wQD94I9R8O0cid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNG-2zPtEOuG4tw6-fqpmfWJBbHYKQTarget shareholder revises breal estate/b proposal/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1Ackman unveiled a plan last month that involves creating a breal estate/b investment trust that would take ownership of the land Target owns underneath its b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-1fd=Rurl=http://www.bizjournals.com/twincities/stories/2008/11/17/daily25.htmlcid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGOeoPhZQSCd2dAR3PqH6iYrvh5SwPershing revises Target land spin-off proposal/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-2fd=Rurl=http://www.reuters.com/article/americasDealsNews/idUSTRE4AH7PD20081118cid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNHQ9Aq5JmQH9s1_Twty5C12l_U-fgPershing#39;s revised Target proposal out Wednesday/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-3fd=Rurl=http://blogs.reuters.com/reuters-dealzone/2008/11/19/troubled-retailerackman-5-bln-reit-ipo/cid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFXbmo7Cisu76GSBNam84tlShKxgwTroubled retailer+Ackman= $5 bln REIT IPO?/a font size=-1 color=#6f6f6fnobrReuters UK/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/6-4fd=Rurl=http://www.guardian.co.uk/business/feedarticle/8044333cid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNER4W93sbDw1DP_kooNLtVuTWUOIwnobrguardian.co.uk/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/6-5fd=Rurl=http://leapsinvestor.com/market-news/ackman-target-shares-worth-37share-726/cid=1271977767ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFUh1IE4vzKDrhrgtylA_XhuI3tsgnobrLEAPSInvestor.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1271977767hl=ennobrall 131 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/7-0fd=Rurl=http://www.marketwatch.com/news/story/E-House-Reports-Third-Quarter/story.aspx%3Fguid%3D%257BCDC2A51B-1983-4423-A154-6151F77F4D05%257Dcid=1272543844ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFLaj4ZtJWbQCvZh94yN72tscyALAE-House Reports Third Quarter 2008 Results/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1a leading breal estate/b services company in China, today announced its unaudited financial results for the fiscal quarter and nine months ended September 30, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-1fd=Rurl=http://www.sunherald.com/455/story/966900.htmlcid=1272543844ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFswUzaPfjfnqvqOJDza6oVAE797wE-House Reports Third Quarter 2008 Results/a font size=-1 color=#6f6f6fnobrSunHerald.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-2fd=Rurl=http://www.marketwatch.com/news/story/Phillips-Van-Heusen-Corporation-Reports/story.aspx%3Fguid%3D%257BB79A22D7-DE23-41D0-BB3F-D3789854D0EF%257Dcid=1272543844ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFbM7pwq0QZdlXIwYg8g47BsDplFgPhillips-Van Heusen Corporation Reports 2008 Third Quarter Results/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272543844hl=ennobrall 218 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.telegraph.co.uk/finance/newsbysector/constructionandproperty/3489393/Dubais-Palm-Jumeirah-sees-prices-fall-as-crunch-moves-in.htmlcid=1272482869ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGE4VGVcCJLpuy-DqLl2TBVGPFf6gimg src=http://news.google.com/news?imgefp=bJ7NS7OHnQwJimgurl=www.telegraph.co.uk/telegraph/multimedia/archive/01117/palm_1117796f.jpg width=80 height=50 alt= border=1brfont size=-2Telegraph.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://www.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUSLK52063320081120cid=1272482869ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNERopAeulnF-eJQO_EMOjpTdOwBiAUPDATE 1-Dubai breal estate/b suffers as distressed sales rise/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1The once-booming breal estate/b sector of the emirate is showing signs of collapsing due to the global credit crisis, as prices fall sharply and buyers b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://www.guardian.co.uk/business/feedarticle/8045417cid=1272482869ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNG85Csr3dA3fHijx5HDFk7cRP5ryADubai#39;s Palm property prices fall 40 pct - brokers/a font size=-1 color=#6f6f6fnobrguardian.co.uk/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://www.telegraph.co.uk/finance/newsbysector/constructionandproperty/3489393/Dubais-Palm-Jumeirah-sees-prices-fall-as-crunch-moves-in.htmlcid=1272482869ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGE4VGVcCJLpuy-DqLl2TBVGPFf6gDubai#39;s Palm Jumeirah sees prices fall as crunch moves in/a font size=-1 color=#6f6f6fnobrTelegraph.co.uk/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-3fd=Rurl=http://www.reuters.com/article/marketsNews/idUSLK188420081120cid=1272482869ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFLCmudLMWd_3sPvEvzEtophTV76gDubai distressed property sales rise as crisis bites/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272482869hl=ennobrall 21 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.foxbusiness.com/story/markets/industries/finance/artis-real-estate-investment-trust-announces-monthly-cash-distribution-319904495/cid=1272287796ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGga4KKZZ61u4OqvUswtSHlgQN14AArtis bReal Estate/b Investment Trust announces monthly cash distribution/abrfont size=-1font color=#6f6f6fFOXBusinessnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Artis is a growth-oriented breal estate/b investment trust focused exclusively on commercial properties located in primary and growing secondary markets in b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://businessmirror.com.ph/index.php%3Foption%3Dcom_content%26view%3Darticle%26id%3D2192:amid-global-economic-slowdown-investors-are-well-advised-to-train-their-sights-on-real-estate-%26catid%3D47:propertiescid=1272287796ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFCTvU8nT3qQOxDA0ShIAEaGzyXqQ‘Amid global economic slowdown, investors are well-advised to b.../b/a font size=-1 color=#6f6f6fnobrBusiness Mirror/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.newswire.ca/en/releases/archive/November2008/19/c2246.htmlcid=1272287796ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNHOiQEJ9nuJi-qSs6Ng_363QkF2nQCrombie REIT announces monthly distribution/a font size=-1 color=#6f6f6fnobrCanada NewsWire (press release)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://www.foxbusiness.com/story/markets/industries/finance/investors-real-estate-trust-announces-increase-regular-quarterly-common-share-1154743513/cid=1272287796ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNGAvEKY9e84eUZw8srPo08MHtH7NAInvestors bReal Estate/b Trust Announces Increase in Regular b.../b/a font size=-1 color=#6f6f6fnobrFOXBusiness/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/9-4fd=Rurl=http://www.foxbusiness.com/story/markets/industries/finance/holloway-lodging-real-estate-investment-trust-announces-monthly-distribution-1482787386/cid=1272287796ei=0nklSbb1LqDM8ASd9ry-AQusg=AFQjCNFAdVttBMfFzDjLVaN1CBCrvxFplgnobrFOXBusiness/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272287796hl=ennobrall 24 news articles/nobr/a/font/div/font/td/tr/table

Real-Estate - Google News

home | site map | CShroeder | Real Estate | Insurance | Stock Market
CSnet7 | Gifts
© 2006 EZmatic.com