All Posts by Ritesh Patel

Buy To Let Property

Why it pays to make time to become a buy-to-let property investor

Time is a precious commodity – use it wisely

Modern life is a non-stop rush hour. With the pressure of family, rising bills, and a job that seems to demand more from you every day, you have precious little time to spend on planning and investing in your future. Not doing so could have dire consequences. You could reach retirement age and find that you don’t have the income to do those things you’d promised yourself.  Or, to do so, you have to continue working. We all know plenty of people who have retired poorer than they thought they would. With UK state pensions depreciating in value every year, you wouldn’t be surprised to find them abolished altogether by the time you and I are due to retire. In fact, since 1980, the state pension has collapsed from 26% of average earnings to less than 18%. In this post, you’ll meet Mark and John. Their stories demonstrate how important it is to make the time to invest now so that you have the money to do what you want tomorrow. Read More

The truth about investment opportunities and retirement

Investment Property can be overlooked as a retirement option, but jumping to such conclusions could be costly.

In this article, I’m going to look at the story of two twin brothers, Paul and James, who both inherited £20,000 in 1996 when they were aged 40 years. They each decided to do something very different with their inheritance, but with the same goal in mind: to semi-retire when they were 60.

James’s story – stock market returns and tax advantages

James spoke to his financial advisor. He explained his ambition and decided that he would put the entire sum into a personal pension rather than investment property. He was a higher rate taxpayer at the time, and so claimed full tax relief on his contribution. By doing so, his total investment wasn’t £20,000, but £28,000. Read More

4 benefits of buying property below market value

Investing in property for better returns

When you’re investing in property for the first time, the benefits of investing in property below market value aren’t always obvious. Of course, buying as cheaply as possible is a no-brainer. Understanding why this is so will add spice to your investment strategy. In this investment blog, you’ll learn four of the major benefits of buying property below market value. I’ll also show you what effect that will have on your investment over the long term. Read More

How to make money when buying off-plan property investments

Reducing the risks of off-plan investments

Buying off-plan property investments is an investment strategy that many investors use to maximise their profits. Buying off-plan, you’ll usually get to lock in a decent discount from today’s value. That should give you a safety net against a fall in market prices, and in a stable or good market you’ll have built-in capital growth. However, just like all property investments, buying off-plan doesn’t come without risk. In this post, I’ll look at the risks of buying off-plan and provide you with the strategies to minimise those risks. Read More

The best buy-to-let advice for property investment

How to invest in property and never worry about falling house prices

I was once told by a property investor that they invest in property because house prices never go down. That was just before the Global Financial Crisis in 2007/08. Whilst he wasn't wiped out when prices did drop (and they do drop normally one year in ten) he hadn’t heeded probably the best buy-to-let advice I’ve ever received – and that is to invest for cash flow now and in the future. Read More

Why property investment is number one for income investing

The property investor knows the secret of a secure retirement

Whether you’re investing in property for now or for the future, at some time the long-term property investor will turn to his or her portfolio as an income-investing vehicle. And when it comes to income investing, rental income is hard (if not impossible) to beat. Read More