London and UK Property Investment Blog

The one strategy you need to become a buy-to-let millionaire

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

Get the best investment results and free your time

A short while ago I spoke with a client who was finding it hard to make the time to invest. He wanted to use a property as his pension saving vehicle but just couldn’t find the time between work, family, and his hobby of golf.

In this blog, I’ll explore exactly what you can expect from your pensions when you retire. I’ll also show you how you can carry on doing what you love to do now while making a life-changing investment. You might even become a buy-to-let millionaire.

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I want to enjoy retirement – how can I as a buy-to-let landlord?

[fa icon="calendar'] September 12, 2018 / by Brett Alegre-Wood

Guaranteeing your rental income for retirement

In my last two posts, you’ll have read about our client Scott, and his desire to create income when he retires.

In the investmernt blog post titled "What type of residential property is best for retirement income?” we discussed three types of property that Scott was considering for investment. He was also concerned about a property’s ability to maintain retirement income. His mind was put at rest with the package of five guarantees that Gladfish offer, and the strategic way in which we approach property investment that allows us to give those guarantees. (Read about these in the investment blog “How do I know my property won’t suffer long void periods?”)

In this post, I address Scott’s last concern. As he put it when speaking to me, “If I have to spend all my time making sure my tenant is the best I can get, it ruins the advantage of property investment. I want to enjoy my retirement, not spend every minute chasing after rent and fixing leaking taps.”

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Retirement investing today for lifestyle income tomorrow

[fa icon="calendar'] September 4, 2018 / by Brett Alegre-Wood

Property investment is the new pension

If you’re like many modern parents, you’ll have started to worry about retirement investing already. Just how are you going to produce the income you need when you no longer work? Will you never be able to give up work and do all the things you really want to do? Is there any way to become financially independent?

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How retirement income options stack up against buy-to-let property

[fa icon="calendar'] September 3, 2018 / by Dan Varnaseri

The 3+1 Plan in action as a retirement income plan

If you’re like most people in the UK today, your retirement income options will be limited. According to a poll of 100 MPs in 2014, almost 20% believe that the state pension will be extinct in 30 years. When this does happen, most people will be reliant on their stakeholder pensions. Some may have what they were promised would be valuable personal pensions. The lucky few will benefit from rental income from investment properties.

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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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What stops most people becoming successful property investors?

[fa icon="calendar'] January 25, 2018 / by Brett Alegre-Wood

Fear – the emotional barrier to your wealthy future in property

Fear. It’s the one emotion guaranteed to kick your property investment plans into touch. Fear will stop you making the choices you need to make. As Franklin D. Roosevelt said, “The only thing we have to fear is fear itself.”

In this article, I’ll look at why you need to overcome the fear of failure, and what could happen if you do so and invest in property.

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Why off-plan property is the antidote to eroding pension income

[fa icon="calendar'] January 4, 2018 / by Brett Alegre-Wood

How you could use other people’s money to fuel the retirement you desire

If you’re worried about your pension income when you retire, you’re right to be. It’s not simply the erosion of income from pension funds that people are concerned about. It’s whether they will have enough money to pay for the escalating costs of living.

However, a recent analysis from Scottish Widows offers an insight into why off-plan property could prove to be the best investment for those hoping to retire on decent income in 10 to 20 years. While they don’t intend it to, we believe that Scottish Widows’ analysis reinforces why you should invest in property, not a pension.

In this article, you’ll discover why savvy investors are turning their backs on traditional pension investments and ploughing into off-plan property instead.

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Can The Bank of Mum and Dad continue to help kids on the property ladder?

[fa icon="calendar'] December 12, 2017 / by Brett Alegre-Wood

Or is The Bank of Mum and Dad an unsustainable major player in the mortgage market?

The Bank of Mum and Dad is a major player in the UK property market. But with house price inflation way above investment returns and wage growth, how can a parent or would-be parent sustain their desire to help their children onto the property ladder?

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Are lifetime mortgages on investment property sensible for retirees?

[fa icon="calendar'] September 4, 2017 / by Brett Alegre-Wood

Beware the remortgaging tax trap

In the current environment of low-interest rates and poor returns on annuities, many retirees are turning to equity release to help fund their retirement. This strategy hasn’t been available to property investors for years, but a pensions company has now entered the market and is offering lifetime mortgages (as this type of equity release is also known) to buy-to-let landlords.

In this article, you’ll find out the advantages of releasing equity from your property portfolio. I’ll also explain the equity release tax trap that affects property investors who raise retirement funds this way.

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5 reasons why property investment is better than stocks for retirement

[fa icon="calendar'] September 1, 2017 / by Brett Alegre-Wood

If you want to retire early, here’s how property can help

An investor recently asked me why I thought residential property investment was a better retirement vehicle than the stock market. He had been speaking to a financial advisor, who had advised him to put his £40,000 savings into a pension plan. A friend of his (and a successful Gladfish client) had suggested he give us a call before he made a decision he might later regret. Here are five of the reasons why so many investors have turned away from stocks and are now investing in property to fund their retirement.

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