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    In the UK, everyday more and more novice landlords are tempted into the buy-to-l
    According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product
    et investment sector not only by a range of new and competitive products by the
    ; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

    Examples of combination products may in
    ortgage lenders but also by the success stories of the other property investors.
    lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.


    The buy-to-let mortgages are now a lot easier to obtain and a lot more competit
    here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
    ve compared to five or six years ago.

    Although traditionally the lenders requir
    d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

    Combination pro
    d a 130% rental to mortgage repayment ratio to secure a margin of safety during
    ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
    the vacant periods, some lenders are now allowing the predicted rental income to
    easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi
    be 100% of the mortgage repayments. There are even products out there that requi
    nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
    e no indication of rental income.

    The financial experts seem to be divided abou
    and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
    these new products in the marketplace. Some experts argue that a lot of the nov
    ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
    ce landlords may be badly exposed by further interest rate rises that are widely
    ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

    Following aspects would a
    forecasted for the rest of 2007 and potentially in 2008 too. According to this
    dd to the challenges in developing combination products:

    Which markets to tap where the combination products can do fairly well?
    Which combination prod
    roup of experts this situation is creating a lot of high risk investors that wil
    cts are meaningful and rational?
    Which therapeutic categories to select?
    Which Combinations can address unmet needs of the patients?
    Do combin
    be adversely affected by even marginal interest rate increases and this could p
    tions increase the patient compliance?
    What would be the developing cost?
    How to tackle the risks encountered during combination product developmen
    tentially be the downfall of the buy-to-let investments in this country. Whereas
    t?

    As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
    the others argue that "when used properly by the experienced landlords", these p
    ping new procedures for reviewing their safety, efficacy and quality.

    Professional from academic institutions, pharmaceutical industries, health care indust
    roducts do offer a lot of choice and flexibility, which can only strengthen the
    y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
    uy-to-let market.

    Overall, it is down to the individual landlord to decide how
    .

    As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
    uch risk they wish to take but our advice to any novice landlords would be to se
    elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

    Companies that provide selfless information through particip
    k independent financial advice from the experts before making any such decisions


    tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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