Investor Advice

According to the experts, 40% of people created their wealth through investment. The other 60% invested in property as a means of growing and protecting the wealth that they created in other industries. In fact, more millionaires attain their wealth through property than any other type of investment.

There are three things that people generally choose to improve their financial situation:

  1. Start a new business venture
  2. Invest in the stock market or Forex
  3. Invest in the property market

In the past years, our experience is that investing in property is by far the most risk-averse, hands-off and financially rewarding option. One of the main reasons is that the UK has always been and will always be a hugely popular place to live. The fact is that the UK has a very stable population and limited land options. Therefore, prices will continue to grow and property will continue to be high in demand.

Why Invest in Property?

There are many logical reasons for investing in the UK property market:

  • Considering the current circumstances like the Brexit situation and weak £ pound can impact on the property prices. Non-resident investors or companies can use this to boost their property fortune within the UK property market through us.
  • The capital growth and rate of gross yields for a buy-to-let property can be achieved through the source of local tenancy.
  • The UK property market is always in demand as the population increases and people migrate back into key cities, for example, London, Manchester, Birmingham, Leeds and Liverpool.
  • International investors and expat communities are always looking towards the UK as a generator of wealth, in which to buy properties to invest in buy-to-let projects.

We would like to discuss a case scenario where a buy-to-let property offers a typical yield of 10%.  This equates to an annual rental income of £15,000 or £1250 per month. The typical deposit needed to buy this property would be 25% which equates to £37,000. This means that we would need to borrow £112,500 from the bank or lender to buy a property priced at £150,000.

The monthly payment on this would typically be around 4% per annum. This equates to £4,500 per annum or £375 per month. Monthly rental income (£1250), minus monthly mortgage payment (£375), equals £875.

Let us assume that monthly costs of £100 per month goes to maintenance and other expenses. This equates to a net income of £775 per month, as a capital gain or profit.  Once the investor builds up a portfolio of say three properties, he would have an extra monthly income of £2325. The investor still needs to consider the future property value appreciation or capital growth.

Investing in property is both useful and flexible for many reasons. Aside from the obvious financial gains, it can be used to help you achieve specific goals such as:

  • To build a portfolio that will give you enough income to enjoy your retirement
  • A source to earn additional income and improve quality of life
  • A hands-off investment that requires very little of your time
  • High yielding returns on capital
  • To invest for your children’s financial future
  • A safe and secure investment plan

It is important that you know what you are trying to achieve from investing in property. Realising this will help you plan an investment strategy and work towards achieving those financial goals.

This is where EVERMARK can assist by providing clients with an integrated end-to-end full service. Our investment consultants can provide advice and guidance from the initial search, purchase process through to property management via our strategic partners.

Why invest in buy-to-let property?

Buy-to-let property is very popular form of investment in the UK. This is due to its potential to provide an attractive rental income and property price appreciation. Actually, there are quite a few factors that attract investors in the UK. For example, the number of people renting privately owned accommodation is on the increase and the number of tenants is continuing to rise in the UK.  The other important factor is the upcoming new immigration rules for international students where they can to the UK to study long-term courses and continue to stay on a two-year study work permit at the end of their degree programme. Therefore, it is an ideal time to jump on board and take advantage of these brilliant property investment opportunities, with low prices, great yields and instant equity gain from day one.

How to make profits from a buy-to-let property?

Profits can be achieved in two ways:

  • Capital Growth – There is a fair chance to gain some profit when you sell your property in the next few years.
  • Rental Yields – Receivable rental income from the tenant(s), excluding monthly mortgage payment, building maintenance or any other running costs

We always recommend secure buy-to-let investments to our investors to build a successful property portfolio in the UK.

We have range of discounted buy-to-let properties available for sale in excellent rental locations, including London, Manchester, Birmingham, Liverpool.

Our highly recommend investors to purchase properties through mortgage because this will allow your capital to be spread across multiple investments, leading to a greater return both in the short and long-term.

When it comes to obtaining finance for your property purchase, often the best provider is not a high street bank that you will be familiar with. There are many lenders in the market whose products are regularly changing. Therefore, it is our responsibility to recommend a proper solution that is tailored to suit your individual investment requirements and personal situation.

Our property consultants can put you in touch with one of our FCA approved independent financial advisers who can guide you through the process of securing property finance or mortgage. They will evaluate your needs and source a suitable mortgage deal, which will be tailored to you and your investment. They will also have access to the best mortgage repayment rates that are not available directly to you on the open market, so you can ensure you are getting the very best deal on your next property purchase.

If you already have a buy-to-let property portfolio and are looking to refinance to purchase additional properties, or if you are just starting on your buy-to-let journey and are looking at ways to finance it, give our team a call today and we will help to get you started.

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What we offer?

Investment Advise –You can start your investment from as little as £50K or invest in £ 1 M+ property portfolios.

Exclusive Deals –We can introduce off-market property deals that are not available anywhere else.

Returns – High rental yields from 8% +

Locations – Prime locations in selected cities and towns for capital growth across England, and Wales.

Mortgage –We can arrange up to 75% finance for buy-to-let properties.

Property Type – New Build Developments and Newly refurbished properties in ready to let conditions.