Search the Community

Hi hubbers, I was hoping for a little bit of advice. My wife and I are currently looking to buy our 2nd BTL and we are not sure whether to buy in a Ltd company or not. We are both basic rate tax payers and can afford to buy in our personal names and not be pushed into the higher tax bracket providing we equalise our salaries (although we will be close to the 40 percent tax bracket). We are both 27 and I would like to think that in the next 3-5 years we would have had pay rises making us higher rate tax payers (myself more so as my wife is now working part-time). So my question is; Do we bite the bullet and invest through a Ltd Company even though the interest rates and costs are higher or do we invest in our personal names and buy all subsequent properties through a company? on a side note, our current strategy is to invest in areas that are likely to see high capital growth and then recycle that deposit when we remortgage. Is this a flawed strategy when buying in our personal names? My reasoning is that with the lending criteria stress test at 5.5% interest rate x 145% rental income - it now seems that lenders are more interested in achieving rents than the LTV? Because of this, would we need to buy in a LTD company (where the stress tests are more leniant) for our strategy to work? A very long winded question! If any of you can give any advice it would be very much appreciated! Thanks all! Adam

Morning everyone, hope you are all well. Are there any property investors out there who would be interested in a hands off investment strategy that returns 10-12% net yields? If so please feel free to get in touch! Thank you, Alex

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

Hello, I'm interested what net yield people look for? I.e the rental yield after service charges, stamp duty (added to cost). I go for 6%, but I'm finding it difficult to source properties with that kind of net yield- am I being unrealistic? I'm southwest best if that effects things (Swindon to be specific). Thanks

There has been a buzz surrounding Peterborough for some time, following announcements of various development plans taking shape in and around the city. Peterborough, which was previously best known for having good transport links to bigger and brighter nearby cities, is undergoing a huge period of regeneration with a recent announcement made by Peterborough City Council declaring that UK and overseas investors are backing an impressive £130million regeneration plan. Read more at the BBC here; http://www.bbc.co.uk/news/uk-england-cambridgeshire-26229020 The redevelopment plan will see several key areas of the city centre set to be rejuvenated which will undoubtedly deliver new jobs, homes and outlooks for people living in Peterborough and generate interest from outsiders hoping to take advantage of our 45 minute commute to central London. Another boost for the cities image was being crowned the fastest growing city in the UK, followed closely by Milton Keynes, which has helped to enhance the confidence of local, national and overseas investors in the cities potential to deliver. Based on figures collected last year, and as reported by the BBC, the annual change in house prices in Peterborough is up 10.8% compared to national average of 6.84%. When this growth is coupled with house prices which are below the national average and a strong demand for rental properties, Peterborough offers profitable buy to let solutions. With all of these exciting plans and projects in the pipeline and to take advantage of a city on the up, I believe that now is the time to invest in Peterborough! For an informal discussion to learn more about potential returns, property selection and areas to invest, please get in touch Emma