Category Archives for "Mortgages & Finance"

How-to-calculate-breakeven-and-forecast-profit-on-holiday-let

How to calculate breakeven and forecast profit on holiday let

Easy maths to assess how good a holiday let investment is

As a holiday let property investor, your objectives will be to make enough profit to fund your investment and create the lifestyle you desire. Your first financial hurdle will be to hit breakeven – the point at which your rental income is enough to pay all your costs of ownership. When we discuss the buy-to-let investment with investors, we discuss how important it is to make an accurate cash flow projection. The same principle applies when you invest in a holiday let. Read More
Buy to Let Property

Strategies to maximise buy-to-let yield and cut tax on rental income

How to use your allowances to minimise tax on rental income

For most investors, property is a long-term investment. According to a report by TotallyMoney.com, gross buy-to-let yields in the UK average 4.17%. In some areas, they are almost three times as high. Gross yields are calculated before tax on rental income and other costs are taken into consideration, so provide the best comparison with income of other investments. Read More
UK Property Investment

Why it makes sense to invest in residential investment property

Safer, cheaper, better returns when you build a property portfolio

I’m often asked by new clients why I personally think that residential investment property is the way to go for every investor. One thing that I really like about building a property portfolio is that it’s a ‘real’ investment. Property is something that I can pass down to my children, and they can pass down to theirs. All the while, it has the potential to provide increasing levels of rental income. It’s the gift that keeps on giving. Read More
UK Property Investment Strategy

6 buy-to-let strategies to negate a rate increase

Never get caught out by rising interest costs

In my last property investment guide, I answered the question How will a mortgage rate increase affect a buy-to-let property investment? Knowing that rises (and falls) in mortgage interest rates are all part of an economic cycle, you’ll want to protect your rental income and cash flow against possible rises. You might be particularly worried because interest rates are so low. After all, it wasn’t so long ago that base rates were above 10%, as evidenced in this chart here: property-investment-guide In this post, you’ll discover six strategies that the most successful buy-to-let investors use to protect themselves against a rise in their mortgage rates. Read More
build_a_property_portfolio_and_benefit_from_BTL_rentals

How to build a property portfolio and benefit from BTL rentals

To be a successful investor, think like an investor

I'm often asked how I achieved the success as a property investor. People assume that I am some sort of whizz-kid with a natural flair for picking the right properties for capital gains and rental income. They assume that I was somehow born with the know-how to build a property portfolio. The truth is that the best buy-to-let landlords and property investment gurus worked hard at getting where they are today. Being able to buy the best rental properties and make life-changing income is within your grasp, too. Read More
The_truth_about_retirement_and_investment_property

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
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