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Found 84 results

  1. Hi fellow hubbers! I've been skirting around actually coming to introduce myself for a while, but am now taking the plunge. Probably like many others, I've been listening to the podcast for quite a while, and have read most of Rob D's books too. I'm currently very seriously thinking about beginning investing in property but, as of yet, haven't taken the plunge! One thing that I wanted to see if any other forum members had any experience/guidance in is passing money from an active Ltd company to another to begin funding my property investments. I 100% own a company that has a fairly substantial amount of 'excess' cash in it (circa £100-150k). My plan is to move this money into a new Ltd company as a loan, to begin investing in properties. So, I'm looking to: Create a new LTD company (e.g. Example Properties Ltd) Loan money from existing Ltd company to new company Begin investing in property In terms of the loaning to a company to separate investment activity, I stumbled across this article (on Foxy Monkey) which spurred me on to this. Specifically, this passage: Of course, the intention wouldn't be to never pay this back, however I would be looking to do this over the long-term, as they are long-term investments. As for tax of drawing from this company, I'm aware that this has the potential to really trip me up. However, that's not much of a concern for me. The reason for this is that I'm looking at keeping these funds (and money earned through investments) in the company. Over time I would look to utilise this e.g. once I've built up enough, re-investing that into developing the portfolio over time. Finally, in answer to Rob D's pointers on what to include in an intro post, I've popped these below: What you've done in property so far - Nothing other than a good amount of reading and listening to the podcast, attending a local meetup (in Manchester), and speaking to my accountant What areas you invest in (or want to invest in) - I'm looking to invest in buy-to-let's primarily and will be using a lettings management company to help manage. I live in Salford, so both very familiar and very interested in Manchester , Liverpool, and generally the North West! What your plans are for the future - Currently going through my goals, but I'm looking for a long-term play of developing a portfolio that can eventually supplement my/my future wife's income. Any skills or knowledge you've got that other members might benefit from - I'm a digital marketing consultant, so fairly experienced with "helping people to make money on the internet", more than happy to help others out! Would sincerely appreciate ay pointers from others that have experienced similar or anyone who has any pointers or potential 'watch outs' with my strategy! Thanks in advance, happy hunting! :)
  2. Hi everyone, I was about to make an offer last week to a 3 bed house located in Bootle, Merseyside (the property is very close South Park) and as I don't live in Liverpool I asked a friend of mine and he basically told me that I should run away from that area, that it has a lot of bad reputation and also is not a good place to invest because of the low yield compared to other places in the city, etc, etc.. The thing is that I already visited and walked around the place during a couple of weeks, day, night and I don't see why I shouldn't be buying there, I really liked it. This is going to be my first investment and now I'm a bit scared, don't know what to do!! Has anyone bought a place in Bootle recently? Thanks!
  3. Dear all I'm new on this so I will try to explain my query as clear as possible. I would like to buy and renovate properties, maybe starting with small spaces as a studio or similar, and then to sell them again for profits. I'm thinking to do it trough my Ltd so I can invest the money directly from my ltd account (I'm the director - no employees) I got some basics questions on the above.: A- is to buy and sell properties trough my ltd legal? Even if my ltd has been settled as a consultants company. I'm a project manager working on constructions B- are the money used to buy and renovate the properties considered as expenses so they could be deducted from the turnover. C- as above, the money that the ltd will get from selling will be considered as a normal money earned by my Ltd D- Do you think would be better set up a new ltd dedicated for the activity of buy to let/sell properties? E - Any particular suggestion? I'm good to find the properties I know how to work on that and the potencial they might could have...what I missing is all the legal process, taxes etc etc Many thanks to all will spend a bit of time to answer Ciao Simone
  4. Hello All, I am looking for a mentor to help guide me as i build my property portfolio. I am looking for someone who has a substantial portfolio or who has a lot of experience in the field. At this moment in time i am going to purchase my first property investment. I would like someone who can give me advice on how to expand my portfolio and share all their knowledge with me. So i can build a good structured portfolio. If anyone is interested in doing this it would be much appreciated, please reply to this post or message me directly and i will tell you a lot more about my experience so far. Kind regards, Jay
  5. Hey, fellow Hubbers! Looking at some property in Sheffield and came across a development called The Fitzgerald by developers called Romiga East Ltd. The numbers seem to stack up really well and as this is phase 2 of the apartments, I have direct comparables for both rent and purchase prices which is great. It would be off plan with completion around October 2019. The only question I have really is about the developers, I have not heard of them, I have of course done all the normal googling and cannot find anything bad about them. Just wondering if anyone has worked with them or purchased from them before? https://beta.companieshouse.gov.uk/company/08522483 https://thefitzgeraldsheffield.com/ Looking forward to what you think? Many thanks Alex
  6. I am a newbie to property investment, I don't currently own my own home (Living with parents) and want to invest in property. I currently have 40K in my savings. As far as i'm aware, I'm unlikely to be able to get a BTL mortgage as you I will need to get a residential mortgage first? I want to know whether I should get a residential mortgage on my first property then wait out 2 years before I remortgage to a BTL mortgage? Is there another way around this? My aim is to build up cash flow and my portfolio over a few years through remortgaging and releasing equity to purchase additional investment properties. Many thanks - I hope you guy can help me make my first steps into the investment world :-)
  7. Hi all – first post in and hoping I can use this platform to tap into some great minds. I have been listening to Rob(s) podcast for a while now and have been doing a lot to try and educate myself on the ins and outs of property investing for beginners. I feel like I have a learnt so much over the past year, but I have the biggest frustration of not being in a financial position ready to start my venture. I have recently purchased a house (joint mortgage with my partner) so have limited equity available to release from that. I earn a decent enough salary that I am able to put away around £8-£10k / year. That does however still leave me a few (3 minimum I would have thought) years away from having enough capital to get started. I live in West Yorkshire so I know the Leeds market inside out, I am looking to get a foothold in this rising market – most likely a renovation that I would then look to create a positive cash flow through renting out. In order to get me there quicker, I would be interested in gathering peoples thoughts on this approach? Is there something else I may be better looking at, perhaps that would require a lower amount of capital to get started with? Or looking at the problem from the other direction, a lender that is prepared to lend above the usual 75%? Any and all thoughts would be greatly appreciated. Andrew.
  8. Dear all, Has anyone used https://www.oneandonlypro.com/, they claim to have AI that provides BMV deals for property investors. Your thoughts would be greatly appreciated. Many thanks in advance. Best regards Tim
  9. Hi All, I've always been interested in the property market and have recently moved back to London from Dubai. I'm in a position where I have a £50k deposit and would like to make my first investment. I'm interested in Leeds. I was just hoping to get some advise on which specific area I should be looking at. I would preferably like to invest in an area which is popular with young professionals. I'm planning a trip to Leeds next month and have started doing some research. Could anyone who's had experience in the Leeds market give me any advise? Apologies if this has been asked before! Thanks in advance! Laurie
  10. Hi all, When people ask why I buy flats in Gateshead it's easy to point out the extremely high yields but i've also been aware of the poor capital growth. I've always hoped that investment in Newcastle would eventually cause the affluence to spill over the Tyne into Gateshead and start to push the prices up there (maybe over the next 10 years or so). Has anyone got any opinions on the likelihood of this happening? I'm conscious that I might be investing in an area where the market value remains stagnant as it has done for the last at least 5 years! All views appreciated, Jordan
  11. Hi, I had looked to same amazing properties in Manchester that I would love to invest (this is my first investment in the U.K.) but I was thinking of living there for some time before I start renting. Problem is the company selling are just looking for investor and since I’m new in the U.K. property business I was wonder if you think it’s possibel to live in this kind of properties and if this investment companies are reliable ( the developments are not built yet and they ask 25%initial deposit and the rest after completion of the development) Let me know your thoughts Thank you
  12. Hi, i was just wondering if anyone has had any experience with purchases through Sand Royale? They are based in southend-on-sea. I am interested in a couple of developments in Liverpool. One being Park Central on Liverpool Waters. But i can not find much information or any sort of reviews for this company. Would be great if someone can confirm that they are a legitimate company. The develooment is due for completion in 2020. I have to pay 20% deposit now and want to make sure my deposit will be secure with them.
  13. Hey guys, I'm Tom and I live in Rugby in the west midlands. I'm new to the game and have just set out my goals. I'm looking to achieve a monthly income from profit of £2000 in the next 3 years. I'm pretty busy with work so I've set the strategy of BTL with buying low and adding value, with the intention of recycling my deposits. I haven't got a lot of capital at the moment, however I have my own home with some equity built up. My first SMART goal is to buy one property in the first 12 months, which requires me to save a certain amount and release some from my home. I'd love to hear the thoughts of anyone who has gone down this route to get started with their first investment. I'm equally as interested to hear from any investors in Rugby - good idea? It seems to have all the fundamentals. Thanks in advance! Tom
  14. Hello My name is Jamie Parker, I've been in the property industry for 7 years and have worked my way to becoming a manager at Stone & Long Nottingham. I am in a position now where I am able to make all my clients the best returns and advise them on what property is right for them. I currently provide all my clients with lists of the best properties to invest in Nottinghamshire and I am happy to attend with them on viewings to offer further advise and support through the process. I hope to buy an investment property of my own but similar to the builder that has holes in his walls at his own home, I am yet to spend the time to sit down and look at my own situation as I put my clients first. In future I would like to because a Director at the company I am currently manager for and hopefully have two investment properties under my belt in the next five years. I'm property mad so I constantly read, listen and watch things about property so there's many areas I'd say I would be knowledgeable on. If you are in Nottingham and you would like to test my knowledge please feel free and I would be happy to see how I can help you. Have a good day, Jamie.
  15. Hi, My girlfriend and I (Kirsti and Sam) have been to a sales seminar about making money from property and with a bit of research have decided not to go on their training course/sales pitch. We have however decided that we want to get into property investment for our future and to become financially free (hopefully), we have together done up a house already and have some equity in it and we enjoy the renovation side of things. Looking into some strategies we think starting off with a flip or 2 to build up our cash is the way we would like to go before getting our portfolio of properties really going, is there advice anyone could offer on the best way to get started or techniques for flipping or just general property investment as a whole. Forgot to mention we are in the Southampton area for work so ideally staying in that area would be best. We look forward to hearing from you Many thanks Kirsti and Sam
  16. Its amazing how much negativity there is at the moment amongst existing and long standing BTL investors (for negativity see propertytribes.com ) ..... I understand that tax changes have slimmed margins down. However the capital gains that most people have made and will make in the next few years if they have bought well and invested in their properties make it a lucrative market to be involved in. The property market has some way to go until it reaches the peak in this economic cycle.... London/South is dipping now for sure , however, huge infrastructure investment HS2/Cross Rail etc, strong demand from generation rent and access to cheap borrowing (even with 0.25% rise) means it is still a time to buy and invest in those areas that are seeing 5-8% year on year growth in the UK (if you don't where these places are that is your problem right there). As with any investment or business, success is about making strategic decisions and having both a growth plan and then an exit route for when the market does inevitably change over the next 5 years or so. So lets stay optimistic and be smart by focusing on creating quality places for people to live in where they can get work (outside of London/South) you will not go far wrong in the next few years.
  17. 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.
  18. Hi Everyone, I currently earn in the higher income bracket and own 1 flat in London which is my current residence. I have 195K to invest at the moment and estimate that I would have a further 200K in 2018 once I renovate my current flat and remortgage as a buy to let (at 75% LTV). My plan would be living overseas at the end of 2018 with sufficient income from BTL Investments make to be liveable but the intention would be to continue workings but doing something a little some enjoyable that the current work. The London flat would remain under my ownership and be rented but all other investments (195K and 299K) would be made through a company (SPV). Any advice on what type to property and areas would be best for me with this sort of investment captial? Is there any issues with owning properties through a SPV and not live in country? I was thinking of investing in manchester or birmingham but really i'm not bothered about any particular area other that looking for solid yields with minimal worries. M
  19. Hi I'm Laura and I'm new to the Property Hub. I've been training in property for about 18 months with my mentor (my background is in project management). I wondered if anyone had any good tips on how to find JV partners. I've been attending a lot of property and business networking events but so far haven't found anyone to work with. I've secured a piece of land using a purchase option and am currently applying for planning permission. If all goes to plan I'll need a JV partner in approximately 6 months time. Any tips anyone can provide would be much appreciated.
  20. Hey guys! My parents and I are looking to start investing and developing property, but we are completely new to it. As a 26 year old, I haven't even bought a property of my own, so I'm not sure how the process works. (Mortgages, financing, etc). I'm looking to get any practical useful advice on the steps I need to take to get started. Our starting sum isn't much, around 40K, and I was thinking it would be best to start with Buy to Sells to increase our investment sum, and that would then allow us to have the option to get into Buy to Lets as well. I'm not sure what the best cost effective way for me to get started is. Where to source good deals, and what kind of financial advice I need to seek. Any help and direction from someone experienced would help a bunch. I guess I need advice on what I can do with how much I currently have, and how to get started with that amount. Thanks! H
  21. Hello, I did try putting in a question to Rob and Rob but kept getting cut off on the phone. I thought to put the question on here in hope of some advice. Myself and my Partner have about 80k to invest in property, we do not yet own our own home and of course this is the priority. However, we are both really keen on investing in btl property as well, having done so in the past I am especially keen. My question is this: To buy a higher value home in the South East (where we work and live currently) and so spending all of our money. Or buying a cheaper home in the South East whilst also investing in a btl up north along the HS2 route for the longer term capital gains. I understand that this much depends on many different factors, but some general thoughts would be much appreciated. Many Thanks in advance. Tristan
  22. Hi all A friend and I are planning to go into the property business together, something we have discussed for several years. He has been involved in the building trade for over a decade with a small sole trader business that he runs, which has given him extensive knowledge of most of the jobs that would need done refurbishing a house. My expertise is more on the business side, I'm very process driven, and I have a strong financial background and some capital to invest to get things going, so we have a good complimentary skill set. We plan to sit down and flesh our our 5-year plan before getting started, but the high-level plan is that we will start doing flips to generate returns, keeping as much cash as possible invested to allow us to build up a war chest. A few years in, we will then look to start investing in properties that need refurbished, but that we will then hold onto so that we can build a portfolio of income-generating assets. The intention is that by buying properties that need some work done, we can force the value and extract most of our capital when we refinance. In this stage of the cycle the focus will be on rental properties, but we may continue to do some flips depending on what’s available on the market (i.e. if there are no attractive rental properties but we can make some returns on flips we will do so). I’d like to solicit some views on how best to structure our business. My plan is to create a limited company (let’s say “TradingCo”) for doing the flips, with say £100 share capital split 50-50, and any initial cash to get TradingCo going will be loaned to the company by us in the form of director’s loans. TradingCo would contract my friend’s existing sole trader business for building services. Once we move on to the investment side of things, we will set up a second company (“InvestmentCo”) to hold the rental houses, with an inter-company loan from TradingCo to InvestmentCo to get things started. As before, any building work that needs to be done will be contracted to the sole trader business. My overarching objective is to draw the minimum amount of cash possible from either of the companies, in order that we can allow them to grow our purchasing power as quickly as possible. We both have other sources of income, so in the early years we shouldn’t need to take anything out. Our longer term plan however is to get to a point where we can draw a sustainable income from InvestmentCo. I'd love to hear any thoughts on: the structure of the two companies whether it's a good idea to hold investment properties in a 50-50 split company (or should we have one investment company each, distributing the properties between them) obviously we would like to minimise tax along the way, and I will be taking professional advice here, but any high-level thoughts would be much appreciated It’s great reading everyone’s story on here, and I hope to be another individual with a great story to contribute soon. Thanks in advance!
  23. Hi everyone, My name is Luz, Im originally from Mexico and I live in Hong Kong. My husband and I are starting our property investment adventure in UK and very happy to have found this forum, full of kindred spirits. Truly hoping to learn more and appreciative of any advice and help during our journey. Hope we can make new friends and hopefully business partners along the way. Luz
  24. Hi all, Firstly thank you for taking the time to read this, and was wondering if anyone had any help, advice or has been in a similar situation. I'm currently looking into opening a Limited Company for obvious reasons to both buy/renovate/sell property and also as a means to holding and acquiring buy to lets. If it helps, all people including myself in the following questions are higher tax payers. Questions is as follows: 1) I have a friend who has 20K to invest, they are interested in buying a buy to let with myself, whereby we get a company buy to let mortgage (through the limited company I am opening), whilst splitting the initial deposit amount of 40k between us. They do not want to run or operate a company, however I do as I plan to do more than just this one. How will this work with regards to the mortgage? Could this be as simple as a 20k loan into the company? Or the purchase of shares in the company? How do they protect themselves and how do I protect myself with regards to the mortgage payments? 2) In addition to the above, I am looking to go into property development with my father, where we will be buying properties for cash at auction with the sole intention to flip once ready (maybe 1/2 a year). This will be the main aim of the company, but buy to lets may creep up as and when dependent upon the situation. The main issues I'm having are, how will it work with regards to my limited company, receiving a 20k investment for a buy to let property with another - not associated with the company? How will ownership of this be structured and work? I obviously want this to be as fair and as transparent as possible, however as this is a one off for them, but likely to be a full-time career choice for me, I want to get this right. In addition to this, I really need to the investment from the initial 20k for the first buy-to-let to get the ball rolling with the renovations to come in the future. Just wanted to do it the most tax-efficient and sensible way. (To add, I know I need to speak to a specialist, and in due course I will, I just want to ensure I have a basic understanding of what should be so I know the right track to follow). Many thanks for all help received.
  25. Hi all, Just wanted to introduce myself. I am the Senior Property Consultant for Alliance Investments. Our parent company is Property Alliance Group, Manchester. I have got to where I am in this business by having a very friendly, consultative approach to advising investors on how I can help make their money perform at it's best in property. In keeping with the general feel of The Property Hub, there are no hard-sells here. If you would like to know more about me, our business or Manchester in general then I'm the man to see with your most pressing questions. Otherwise, see you in the forums Chase. Manchester Ebook.pdf
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