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Found 25 results

  1. Hey Can anyone recommend a software program that will allow me to me to measure how my business and property portfolio is doing? I'd really like it to measure both things in one program (general business performance, and portfolio performance) and it's vital that it will allow me to forecast/test the effect that potential purchases would have. I'd love to - Be able to test what happens to my business cashflow if I buy/remortgage specific properties at a specific points in the year. Compare the performance of two possible purchases to see which is likely to perform
  2. Hi, Nice to meet you all. It's my first post on this forum. I planning to do my buy to let in the north. I was thinking that Leeds might be a great location to start (house prices are still decent compared to larger cities such Manchester) and it feels that the city is growing and attracting more businesses. I have seen this place on right move (https://www.rightmove.co.uk/properties/73474821#/). The price looks incredibly low and the yield pretty interesting (11.5%) - to be double checked though. I was just curious to have your opinion on the below questions: 1) I
  3. Hey guys, After some opinions on the scenario below. I am currently purchasing a flat in my company that after a BRR I will leave 22.5k of my own money that will yield 20% if rented out. Total equity left in the property £44k. I also have another flat in my personal name that I could sell that has 38k equity ready to release. (Initial investment 41K) My current return on cash in that property returns 13%. I am looking to release funds to carry on building my portfolio / pot of cash. Which option or other strategy would you consider an
  4. Hey all, Can anyone clarify how Yield, Equity & ROI should be calculated when following a Buy, Refurbish, Refinance strategy? Most online resources only discuss these in terms of purchasing a property and letting it out / selling it, rather than refinancing it. I want to make sure my metrics are comparable with everyone else's! Theoretical BRR Scenario: I buy a property for £120k using a bridging loan and a deposit of £48k I spend 6 months renovating it, with the finance costs & renovation totaling £25k I then refinance onto a BTL mortgage with the property valued by
  5. My first post on here.... I'm looking for High Yield BTL's 8%+ I live in Leicester, which has low Yields, even in the cheaper area's of the city (Narborough Road etc) Nottingham has been my next step after listening to the Podcasts but I cannot seem to find any High Yield Property Has anyone got any suggestions? I would like to self-manage, but I am open to having my property managed if the numbers stack up. Also I am open to buying property in other locations but would like them within 1-2 hours of Leicester Appreciate your feedback PS. I do have experience
  6. Hi all, I am a keen investor in the south as this is where I live and Know. In the areas I invest I can pick up a 2 bed flat for around 135-140K with a service charge of around £110 A property like the above rents for around £700 - £750, and the demand is high. Mortgages I have on these are around £220PCM so the returns are not too bad. I have a number of these and am now investing through a ltd company, as I know many of you are. I am now looking to pursue capital growth as I am happy with my income. Can anyone recommend areas that may have more potential
  7. Hi Everyone, I have made the decision to travel up to Leeds next weekend to carry out some viewings on property up to about £110,000. Only have 1 day and i want to make the most of the trip to get a feel and understanding of what and where is good new for a B2L and i don't want to waste any time doing it. can anyone advise me on some particular B2L hotspots in Leeds that i should make sure i go and see? I am split between going for a 1 or 2 bed apartment or a 2 bed terraced house that needs some TLC. any advise would be really welcome.
  8. Hello Hubbers! I have been absent for a while, but logging back on to try and get some advice. I have been operating the rent a room scheme in my own 3 bedroom property for around 5 years-charging on an all inclusive basis - with certain caveats and stipulations in place with regard to energy consumption etc. Typically bills didn't increase that much and I made a tidy profit as well as someone else paying my mortgage. I am now converting the 3 bedroom flat into an HMO (Scotland based-therefore, yes, this is essential) probably with 4 bedrooms, one bathroom, large kitchen/living roo
  9. Happy Easter All, I was curious what ROI percentage and net yield do you look from from a buy-to-let? Thank you in advance. Joe
  10. Should I sell this property? One of my properties is a 2-bed terrace in Bristol. It's my former home which I converted to a buy to let a couple of years ago. It has had good capital growth and is now valued at around £320k. The rent is £1,100 per month. The capital growth means there is a good amount of equity in the property (£160k). As my property investment knowledge has grown over the last couple of years, I have been considering whether this money would be put to better use elsewhere. I have tried to pull money out by remortgaging to invest further in other locations. However,
  11. Hi everyone, Just wondering whats everyones minimum ROI? The best i'm seeing for flats in Liverpool city centre is about 12-13% using a 75% mortgage. To calculate my basic ROI I use: 25% of purchase price (75% mortgage) Mortgage costs at 2.5% interest Rent Service charge Ground rent Agent fees 10% pm Look forward to hearing from you lot! Max
  12. Hi my name is John and I am at the beginning stages of my property journey. I am in the process of purchasing my first BTL in the West midlands. Should make a decent return on that, hopefully be able to refinance in the same year to get the second property. What I am looking for is to connect with same minded like people. People who are starting or on the same level or even further. As long as you have the same mindset and are willing to grow and involve please let connect. Happing investing Thanks John
  13. paulrybak

    HMO Yield

    Hi all What gross yield, net yield and monthly cashflow do people aim for or achieve with HMO properties? If you have a real world example then a little detail along with the figures would be great! I just want to get a feel for what is deemed acceptable for this type of investment prior to setting my goals. Thanks in advance Paul
  14. Dear all, I would be very grateful for any advice. I want to invest for myself and am currently trying to sell my house in order to start the process. However in the meantime, I want to help my mum make the most of her investment money. She is currently investing just over £150k with HSBC and receiving around £400 a month. I am convinced I could get her an income of closer to £1000 a month (i.e. net 8% yield). So, my criteria is this: High priority High yield (target net 8%) House in good shape when purchased (i.e. no structural work, minimum cosmetic imp
  15. Hello all, I have a situation and some questions that hopefully I can get answered. Situation: I have sourced a property that has a tenant in situ and at the purchase price I can get it for it would achieve roughly a 10.5% yield. In order to purchase this property I would need around £10,000. It is being purchased slightly under market value and it does not need any renovation costs. The property is off market currently and is in the north west. I am fairly new to property investing so any advice on the below would be massively appreciated. Questions: What are the different way
  16. Hi I am currently in the process of looking at a holiday let and first of all wondered if anyone had any experience? Would you recommend as a safe bet as part of a property portfolio (that also allows you to get some occasional use of) or is it a lot of hard work for little financial and personal gain? Also is the yield calculation the same? Secondly (and I think I know the answer to this)... we have just discovered that the one we were looking at is a Grade 2 listed building, which kind of puts me off! Would anyone touch a listed property as an investment?
  17. Hi everyone, my name is Xuan and I am new to HMOs. I am interested in investing in the Croydon area and have done some research, but would really appreciate your opinion. I have selected Croydon because: 1. The property price is still quite affordable using London standard 2. There is potential capital growth 3. It is about 30 mins drive away from my house. This is quite important for me as I have a young family to look after. 4. I am only interested in professional HMO tenants and I think Croydon should have quite a lot of them (especially given the Westfield shoppi
  18. Hi, I have been recently exposed to a lot of literature (advertising?) on investment value of The Northern Powerhouse and similarly on the investment value of London commuters towns; and so I have been thinking - if I had to choose..... So back to basic and judging against the 2 main criteria of capital growth and yield, it appears (in the literature anyway), that the London commuting towns (within the M25) are benefiting from larger capital growth (or have been over the past 2 years) than the majority of the Northern Powerhouse city centers (except Manchester maybe).
  19. Where in the country would you head if you lived in London and wanted to invest in the following: Within 2 or so hours drive if possible Needs high enough yield to pass new lending restrictions at 75% LTV Good fundamentals and demand as an area Potential for some Growth and not purely yield. Some suggestions: Peterborough / Wellingborough Luton Swindon Basildon Chatham Any others??? Any favourites ???
  20. Ok - so just curious.... Is there anywhere in the country that comes close to being able to provide the following "Unicorn" BTL properties... 10% yield on a single let (so not HMO or Serviced Ac) No LHA No "Ghetto" areas Good demand for Tenants and also people want to live there. Doesn't matter if its a 1bed studio or a 4bed house. In my experience it seems that the yield ceiling for the above is closer to 7%. Anybody able to beat 7% in todays market in some corner of this green and pleasant land ?
  21. Hi All, This my first post on the forum. I was wondering if anyone can give me some advice on target net yields for rental properties. Is there a range or scale I should be aiming for? I am wondering if a yield of say 10% is achievable on a mortgaged property, which would be comparible to a stock market index linked fund or similar investment. Thanks Josh
  22. So I’ve been looking at yield as a basis for making property investment decisions. It’s been suggested that you have a certain percentage yield in your head and if the purchase price vs achievable rent give you your yield then the purchase is a good deal. We have “gross yield” which is purchase price divided by annual rent. We then have “net yield” which is purchase price divided by annual rent minus expenses. See below example calculation for net yield. 3 bedroom London = £365K (based on average asking prices) + stamp duty of £8,250 = £373,250 Achievable rent = £1,900 pcm (£22,8
  23. Guest

    Hello From London

    New to investing in London & greater London areas, UK. Previously invested in US prime areas, bay area, SF, Manhattan with success on capital appreciation and yield. These properties were leveraged, some I purchased to live in and one as 'investment' property - I have lived in London for 2.5 yrs now and am looking to cash out of a few properties in US and buy investment properties in London or greater London areas - goal will be yield-based investing with at least 10-15% YoY capital appreciation.
  24. Folks, I have been struggling a lot, as foreign investor, to find adequate buy to let mortgage. Often bound by the limited lenders available for non-dom I most of the time end up with a principle+interest mortgage. As such I need to aim for a max of 60/40 LTV in order to keep the investment cash flow positive. Here's are my rough calculations. Say use a property price 'P'. P can be any number really. Let's use 4% interest rate and 25 years mortgage (which makes the yearly repayment of the principle conveniently equal to 4%). So you'll be paying 4% to the bank on interest only mortgage an
  25. I have chosen an area that I intend to invest in and broadly speaking the numbers seem to stack up. However, I have some serious mind fog when it comes to calculating net yield and ROI. I also want to ensure that I am including ALL of the necessary expenses when making the calculations. Is there anyone out there that is able to share what calculations they consider most important and what costs they include when calculating whether an investment is worthwhile??? OR Even better, is there anyone out there that is willing to share an excel spreadsheet that they use to do their c
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