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Found 37 results

  1. Hi all I have a question which has really been bugging me as everyone seem's to talk about investing in different areas of the country because (quite rightly) they are hotspots and suit peoples strategies a lot better than where they live. I have just completed my first refurb and refinance and I am keeping it to rent out as the capital appreciation potential is high and it gives me a nice amount of cashflow along with a healthy sum to pull out in the refinance. I am now looking at other areas around the country (mainly the hotspots around Manchester and Liverpool due to great infrastructures, decent yields and capital growth potential.) I am wanting to know the potential risks of investing a long way from where I live, how you find a suitable agent to manage the property for you and any other things I should consider. There are properties within an hour of my own property which would give me a decent yield but no capital growth potential and the purchase prices are a lot higher than the places up North where I am looking. I am reluctant to just commit time to heading up there (as I live in Norwich) and viewing lots of properties over a weekend when I don't feel fully confident on what the risks are and what it is I should be doing as the areas are completely new to me I am quite happy to take a calculated risk but a punt on something just because all the figures look good isn't something I want to do Thank you in advance Euan
  2. Hello, My name is Lee and I am looking to invest before the end of this year. I am interested in meeting like minding investors to perhaps take on a bigger property up north. I am based in Reading, so would anyone be happy to meet up and discuss? Please PM me or make a comment, I check on this weekly normally. This is my first investment, doing extensive research via this site and podcasts and from other sources. Thank you
  3. Hi there hubbers! I'm on the lookout for investors who are taking a proactive approach to reducing the environmental impact of their properties to feature in the next issue of Property Hub Magazine. You might be focused on improving the energy efficiency of your portfolio, or taking measures to protect wildlife, or have strong views on how landlords can help create a more sustainable environment. If this sounds like you I'd love to hear from you at chantelle@propertyhub.net.
  4. Hi Guys, Shutzy here, a guy just getting back into the property investment world again. Looking forward to the fun and the challenges and the motivation and support from all of those on this forum and finally the rewards of deciding if I want to work today or not. cheers Shutzy
  5. Hi all, My wife and I have been interested in the idea of property investment for a number of years, however have only really started to research it properly the last 12 months. Having attended seminars, read a lot of literature and researched online, we decided to go for it at the beginning of 2019! We had £20k in savings, so having consulted a mortgage broker decided to remortgage our house and release £30k, bringing the total to £50k. Mortgage repayments have gone up, however it’s more than affordable so we feel confident with our decision. We’ve then set up a ltd company which we’ll use for the purchases and have an accountant who will support our tax obligations. We’re now in a position to begin viewing potential properties in the Greater Manchester area (focusing more in the north, as the South is out of our price range). We’re also from Manchester so feel confident to complete our first purchase in this area. Our strategy is to purchase a property in the region of £100k (less if we can negotiate), put some money into it to modernise e.g. carpets, decorating etc. and then put on the market for rent. We plan to apply for a 25% interest only mortgage. As we’d continue to save with our current jobs, we’d look to repeat this again by the end of the year. By this time, we’d be able to remortgage the first BTL, release some equity and go again (with additional savings) and so on and so forth. Appreciate location and fundamentals are key with any purchase and these will be considered when making our purchases (as will ensuring cash flow is positive). To us, this feels like a good strategy to stick to, however appreciate there always risks. To the more seasoned investors, do you think this makes sense and are there any pitfalls that we should be thinking about before we make the big decision to purchase? Thanks for your help! Jim
  6. Dear Hubbers, I thought I might solicit your views on what seems to be an increasing trend. Namely, someone (often from London or the South-East) invests in BTL property in the North, which then means that money is effectively being transferred from the North - where it is arguably needed more - to the South. Of course, any modernisation undertaken in tired housing stock in the North (or anywhere else) can't be a bad thing. But the rental income is likely to be spent 200+ miles away and is not therefore helping the local economy. According to a comment on this thread there is anecdotal evidence that London investors operating in Liverpool are making it difficult for more locally-based investors to find a deal. Perhaps the fact that investors down South are helping to provide decent rental accommodation elsewhere in the country outweighs the fact that money is being transferred away from those investment areas. And of course it's likely that local tradesmen are getting work due to London investment money.
  7. I have been thinking of investing my money in Manchester but don't fancy the travel. My question to you all would be would have you ever purchased a buy to let (or anything) without physically seeing it? if Yes what did it take to make you feel easy doing it? If No, Why? Thanks!
  8. 3 major Benefits of a diversified Investment Portfolio: Minimizing the risks: If one investment performs poorly over a certain period, other investments may perform better over that same period, reducing the potential losses of your investment portfolio from concentrating all your capital under one type of investment. Capital Preservation: Not all investors are in the accumulation phase of life: Some who are close to retirement have goals oriented towards the preservation of capital, and diversification can help protect your savings. Better Returns: Sometimes investments don’t always perform as expected, by diversifying you’re not merely relying upon one source for income.
  9. Hi, my name is Stephen I'm 22 and live in the Midlands. I've recently (last month or so) have been looking into property investing. I have next to no experience or knowledge or Captial. so it's looking to be a good few years before I can do anything. in the time while I think of ways to make the Captial to start. that gives me lots of time to Learn as much as I can. this is what brings me here. been listening to the podcast and love it! (any help is greatly appreciated) I plan to be a good active member on here not that I can offer much I'll try my best!
  10. Hi guys ! As I've been slightly studying the property market, I'm trying to imagine what it's going to be like in London after 15 years or so? I can hardly imagine the average house prices doubling. As from the investors point of view, the demand will always be there in order for it to build passive income. However, I can't see houses which are currently worth £300,000 being worth £500,000 or more. So for instance the rent is £1,700 that means after 15 years the rent should rise to at least £2,500 or so right? But I don't see any regular family paying such kind of money for the house. Either London is going to be full of HMO's or the minimum wage is going to rise to sky. Could anyone put out a scenario how could we possibly see house prices doubling in London within the coming 15 years? Thank you so much !!!
  11. An aspiring property investor ,aged 17 . Young with only minimum experience in the industry but keen and most definitely passionate to learn the trade . Any ladies /gentlemen with any vacancies ? Respond with an email and I will gladly provide a CV . -just looking for an opportunity to better my knowledge in the industry in which opportunities are scarce for youngsters like me
  12. An aspiring property investor ,aged 17 . Young with only minimum experience in the industry but keen and most definitely passionate to learn the trade . Any ladies /gentlemen with any vacancies ? Respond with an email and I will gladly provide a CV . -just looking for an opportunity to better my knowledge in the industry in which opportunities are scarce for youngsters like me
  13. 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
  14. Hello all, Brand new to the Property Hub Forum but have been eagerly working my way through the podcast back catalogue! I bought my first flat in Gateshead when I was 19 with a friend and set up a Ltd Company with him in June last year (for tax reasons!) Since then we've bought another flat in Gateshead and expect we'll buy our 3rd in a few months. We get just over an 8% yield but i'm very aware of the lack of capital growth in the North East of England, does anyone have any comments on the likelihood (or not) for there to be any movement in property prices in the North East any time soon (relatively)? Thanks all, Jordan
  15. I turn 19 next week and I've always dreamed to see myself well established in the Real estate business since i was younger, I got myself into the construction trade to train as a carpenter to try and make my dream a closer reality working alongside the boss, i'm still currently training. I've read a lot about flipping single family homes as that's where i see myself getting started but i'm not sure where to get started on building the funds. I will have £2000 next week to invest in gaining the funds through mutual funds, stocks and Real Estate Funds to split my risk and gain knowledge of different investments but i want to know where i should invest in Real estate to start off if these investments pay off so I can plan ahead for my future self. Any help would be much appreciated
  16. I turn 19 next week and I've always dreamed to see myself well established in the Real estate business since i was younger, I got myself into the construction trade to train as a carpenter to try and make my dream a closer reality working alongside the boss, i'm still currently training. I've read a lot about flipping single family homes as that's where i see myself getting started but i'm not sure where to get started on building the funds. I will have £2000 next week to invest in gaining the funds through mutual funds, stocks and Real Estate Funds to split my risk and gain knowledge of different investments but i want to know where i should invest in Real estate to start off if these investments pay off so I can plan ahead for my future self. Any help would be much appreciated
  17. Hello, I am interested in investing in someone who has a track record of flipping, I have around £30,000 to invest and would like to not just give the money but help out. My goal is to grow my investment over time while learning how to become a competent property flipper myself. The area I'd like to invest in would preferably be in the North but anywhere in the UK for the first 1 or 2 would be fine. How would you go about this? Are there any resources you can share? Thanks!
  18. Hi everyone, Myself and my cousin (both based in London/SE) are looking to take the plunge into property investment. We have managed to save up a modest £25k to purchase our first property and go from there. We want to use this first investment as a way to get ourselves up and running and to get used to how everything works. For tax reasons, we have set up a LTD company which we aim use in the future to pay ourselves a salary which will replace our future income (the dream!). My question to you all - can anyone give advice on the best area/type of property etc to start off with with a small investment? We both work full time but are not afraid to get stuck in. Any pointers/ideas/help/questions much appreciated! Thanks! Ed
  19. Good Morning Everyone, Simon & Matilda here. We are a young couple living in SW London/Surrey and we are looking to make the jump into buy to let property investment. We are in a very fortunate situation where a fair sized family loan could potentially help us grow quite quickly, assuming we do things properly. We have little or no experience in property although I (Simon) works as a construction surveyor so I have a good building knowledge. We are looking for any advice from people who have made success from a similar situation. What to do next? Where to invest? Etc etc We would also like to build up some good local contacts. Mortgage brokers, mentors, estate agents, accountants and generally nice people. if you think you can help then please do not hesitate to get in contact. Many Thanks
  20. Hello Everyone my name is Jordan, currently living in manchester., new to the forum and looking to learn. My question - simply, is... Should I buy my own home before I start buy to let? If so what to look for? Current needs or as a long term investment? I know mortgages on buy to lets usually requires you to own your own home, as security. Which I don't Have and Don't know anyone who could or even would be a guarantor, so thats out of the question. I think I will manage to earn around £18k or less a year before tax when I find work Again (Currently quit my job to look after my young son full time) I will be able to save and hope I would get a mortgage on this wage, however, I'm unsure, as I have read they like you to be earning £25k Plus a year. (Which with little qualifications seems unreasonable). Renting a room out or having someone living with me is out of the question because of my son. Just to note I don't have much money now, but My goals are medium to long term. E.G Deposit on my own house or flat within 3 Years. (£80k House or Flat) £15k Deposit + Around £5k For Fees. Seems doable after 3 years of working hard and saving all that I can. Also Flat vs House? As for me a mortgage on a flat would be more affordable going off an income of around £18k a year. I don't think I could afford bills and a mortgage on a house in this area. as per month its around £900 for mortgage and bills. A House is doable, But leaves very little room for error which I don't like. Where as I see a flat good for now but not so good to rent out in the future.
  21. Hi, I wanted to see if there was anyone on here there involved in developing in the North East. I am about to relocate from London to North Yorkshire and I'm looking to meet developers/property sourcers/JV Partners. The patch I'll be operating is between Newcastle & Leeds. I am planning to attend PIN and HUB Meetups to network. Is there any other networking groups or mentors based in the North East anyone can recommend? Thanks everyone, look forward to hearing from you.
  22. Hi there, I'm a student currently in university who has become interested in property and the whole business behind property. being new to this industry there is much that I don't understand, so first, I was wondering if people would be willing to answer the questions I list without scoffing at my naivety. 1) when looking at buying a property to let do many investors take account of the time to pay off any loans through the profit from the rent rather than just the amount of rent they will receive? 2) If you wanted to get comprehensive data regarding a property you were interested in would you have to go through an expensive advisor or estate agent who will provide you with figures you could probably work out yourself if you had the time? thanks for any help
  23. Hi everyone, I'm George Regan and am the director of Prominence Group. I have been investing in property for the past 5 years and have built portfolios in numerous parts of the country. As a company, Prominence Group are a property investment and development company based in London. We provide a bespoke, end to end service to build a balanced property portfolio and maximise long term wealth. We specialise in Buy to Let investments, High Income Strategies (Houses of Multiple Occupation (HMO) and Corporate Lets), Capital Investments (Developments, Conversions and creative Purchase Option strategies) allowing us to maximise the use of our funds. We source quality properties across London (inner and greater), the South East, North East and North West of England, with significantly high yields and equity gains built into the purchase price. Prominence also work with clients offering a range of tailored services, from bespoke sourcing for those who want to invest in property, but lack the time or knowledge to do so alone. As well as Joint Venture Partners to assist and enable them to achieve their financial and portfolio goals. We do this by using our experience and skills to source and secure projects of a specific criteria, with the added assistance of project management and tenancy for the best desired outcome. If anyone would like to contact me, get advice on strategies or deals or find out about what we do and or can do together. Please feel free to contact or message below Thanks George J Regan E: info@prominence-group.co.uk Facebook - https://www.facebook.com/GeorgeJRegan/?fref=ts Facebook - https://www.facebook.com/ProminenceGroup/?fref=ts
  24. Hello everyone, I'm Matt a 23-year-old based near Norwich seeking financial independence by 40 (no need for the 9-5 gig). My current strategy has been through investing stocks and shares in the form of an ISA. At the moment I am saving around 70% of my net income and stuffing it into stocks. I invest in selected stocks that I am very familiar with. I try to limit my portfolio to around 10 companies, which I use and can keep monitor their news and developments closely. So far I have had some good success and I think continuing to grow my stocks & shares ISA is good idea. Eventually I intend to reallocate the majority of my shares into very large dividend paying companies. Thanks to the tax shield of the ISA I would be able to receive a great tax free income. I am keen to investigate property investment due to the power of leverage. My aim would be to acquire small properties in an up and coming area on a interest only 75% loan to value mortgage for BTL. My target group would be young professionals like myself and I would hope to achieve a yield of around 8-10%, but with good growth prospects in the future. At the moment my main concern is that house prices seem to be growing much slower than in recent history. Looking at the graphs on Rightmove and other sites the period of 1990-2001 seemed to be the perfect time to take advantage of leverage to invest in property! To me it does not look like we'll be seeing doubling prices every 7 or so years into the future, particularly with wages remaining very stagnant. What is everyone planning to do if in 30 years’ house prices only go up 2-3 times and there are huge mortgage payments due on multiple properties? Sorry if this is a noob question, although I have been listening to the property podcast for a long time I am quite new to the whole property investment thing! Look forward to speaking to you all! Matt
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