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We can help you
- Find out how much you can borrow
- Provides more lending options
- Work align with your solicitor and accountant to set up the legal structures and suitable mortgage structure
- Up to 80% lending for new builds and existing investment properties
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things you need to know
Property investment is a medium to long term investment. There are two main strategies that prospective investors tend to use.
“Buy and Hold” or “Buy and Sell”.
‘Buy and Hold’ involves investing in a well-maintained property and holding it for the long term – making money as properties increase in value.
“Buy and Sell” involves investing in a property that needs some work, undertaking renovations on the property, and then either selling the property straight away or holding it for the long term.
They can both be used to achieve your property investment goals over the long term. The question is: Which is the right strategy for you? Get advice from our advisers.
“Buy and Hold” or “Buy and Sell”.
‘Buy and Hold’ involves investing in a well-maintained property and holding it for the long term – making money as properties increase in value.
“Buy and Sell” involves investing in a property that needs some work, undertaking renovations on the property, and then either selling the property straight away or holding it for the long term.
They can both be used to achieve your property investment goals over the long term. The question is: Which is the right strategy for you? Get advice from our advisers.
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Capital growth is the continued growth in the value of your property over time. This strategy generally requires you to hold onto the asset over a longer period of time.
Rental yield is the money you earn from your rental income minus the expense you incur owning the property. Investment yield is the yearly amount of rental income you earn divided by the total loan deposit you made.
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Equity is the difference between what your house is worth and how much left you have on your mortgage which means you can use the equity you already have to fund the next property investment. This increases the amount you can borrow and decreases the size of the deposit you require.
- There are a couple of ways to build equity including:
- Paying off your home mortgage faster, especially with relatively low rates period.
- Increasing the value of your home through renovations.
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There have been significant changes in tax regulations relating to Property Investment. Seeking professional accounting advice on having the right structures in place, and including whether you should have the property in your name, a trust or an LTC (Look Through Company) is very important, as this can help ensure you get the best return from your investment.
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