London and UK Property Investment Blog

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

[fa icon="calendar'] November 23, 2018 / by Brett Alegre-Wood

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:

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.

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How to calculate breakeven and forecast profit on holiday let

[fa icon="calendar'] November 16, 2018 / by Brett Alegre-Wood

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.

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

[fa icon="calendar'] September 27, 2018 / by Brett Alegre-Wood

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.

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Why it makes sense to invest in residential investment property

[fa icon="calendar'] September 21, 2018 / by Brett Alegre-Wood

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.

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How to build a property portfolio and benefit from BTL rentals

[fa icon="calendar'] August 22, 2018 / by Brett Alegre-Wood

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 th-e 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.

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The truth about investment opportunities and retirement

[fa icon="calendar'] August 14, 2018 / by Ritesh Patel

 

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.

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The benefits of using a buy-to-let mortgage broker

[fa icon="calendar'] August 13, 2018 / by Brett Alegre-Wood

The right mortgage could increase your buy-to-let yield

As an investment, residential property has the potential to transform your life. One of the key factors in determining the net rental yield you’ll earn as a buy-to-let landlord is the repayments on your mortgage.

When considering how property investment buy-to-let mortgages work, you’ll see that there are several key differences to ordinary residential mortgages. If you think the range of terms and conditions available on homebuyer mortgages can be confusing, then you’ll need to take a second and third look at buy-to-let mortgages.

In this article, I’ll look at what a buy-to-let mortgage broker does for the investor, and how you can benefit from their services.

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4 benefits of buying property below market value

[fa icon="calendar'] August 10, 2018 / by Ritesh Patel

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.

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Your cash ISA – dead money destroying your future

[fa icon="calendar'] August 2, 2018 / by Brett Alegre-Wood

How much more could you make in property investment?

You park your money in a savings account. It’s safe, stable, and you’re putting your money away for a brighter future. You smile. You feel good about your financial management skills. After all, you’ve protected yourself from tax, too. You’ve been saving in a cash ISA for years. No tax to pay. You believe you’re one of the savviest savers in the UK.

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What fees and charges does a property investor pay on a buy-to-let mortgage?

[fa icon="calendar'] July 30, 2018 / by Brett Alegre-Wood

Advice to help you structure finances ahead of investment

An investment property is a high-value purchase, and not many people have the funds available to buy in cash. Therefore, the majority of property investors buy property with the aid of a buy-to-let mortgage. Using financing to invest in property also means you get to take advantage of the benefits of leveraging in property investment – you make money using other people’s money. By investing with a mortgage, you could achieve a spectacular real yield on your investment money.

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