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Found 15 results

  1. Hi guys so my journey in to property has taken a bit of a wild one, I am now managing about 5 properties with some family members and need advice on best way to insure them going forward. As the properties are in different names (all one family) would putting all the properties under a SPV be a good option in terms of getting discount for all being under same name? If not who would you recommend for several insurance deals (2 properties per person)? Had a little look online but as always I try to get the opinions of the guys in here.
  2. I currently have 2 buy to let’s on individual buy to let mortgages with the mortgage works. I plan to buy at least two or three more houses in the next year. It seems that most lenders offer portfolio products for landlords with 4 or more buy to let’s but I’m struggling to find out how these products would differ from individual mortgages and what the rates would be. Does anyone here have experience of such products that could offer some advice? Obviously I have asked my mortgage broker but I get the feeling he has not done a portfolio product before and isn’t offering much constructive i
  3. Hi All! I am super keen to build out my small BTL portfolio in Leeds. I found a stunning new build of townhouses but the developers say they won't sell to BTL landlords - is there any way around this? If not, does anyone have some advice of new builds/areas in Leeds city centre where I should be looking? Ideally 2/3 bed, unqiue feature(s)? Thanks in advance Nick
  4. 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 diversi
  5. Hello I just had a really useful meeting with my mortgage broker, we discussed our long term plans. He has suggested that we should calculate our finances to use mortgages at 65% loan to value as he said once we become portfolio landlords (owning 4 or more properties) then mortgage companies will look for 65% average ltv across our whole portfolio. I just wondered if this is correct? And how others manage this? I have done all my planning calculation on 75% ltv and this obviously makes a big difference. We are setting up a limited company in case this makes a dif
  6. New PRA Buy To Let Changes come into effect on 30th September 2017 affecting Portfolio Landlords. In September 2017 the Prudential Regulation Authority (PRA) will bring in new rules affecting portfolio landlords. Buy-to-let mortgage lenders will have to complete a total portfolio assessment for any landlord with 4 or more properties. Choosing the right buy-to-let mortgage lender now requires a lot more consideration and careful calculation to ensure you are using the most cost effective mortgage product from the lender offering the right rent to loan calculation. In addition len
  7. Hello all I am brand new to this site having only just signed up moments ago. I am a mortgage and protection adviser operating in South Wales but have travelled to across the UK to see clients where needed or operate over the phone. Whichever suits. Looking to build my knowledge and also help others where possible. Thanks for reading Jordan
  8. Hey All, I am just about to begin investing in my own property portfolio. I have now saved enough for a deposit on my initial buy-to-let property (at last). I work for a property developer specialising in student accommodation on a national level. I am a chartered project management surveyor with the RICS. So, I have plenty of relevant experience in developments with GDV's ranging from £1m up to over £100m. Currently, I am managing two projects in Sheffield due to complete in September 2017. One a 63 bed studio apartment development, and the other 130 bed development of
  9. Hi there, I'm looking to speak to people who have started property portfolios in the North of England. I'm from Hull originally and still regularly go back there because my family are still there. I'm interested in that area but also the rest of Yorkshire and the North West. I'm in the process of trying to work out which strategy would be best for me as I live in London but I'm ready and able to invest in 2 to 3 properties in the next 12 - 18 months. I'm particularly interested in speaking to people who have done refurbs, HMOs, multiple property portfolios,
  10. Hello everyone, I'm a part-time property investor based in Lanarkshire, Scotland with 7 properties between me and my wife. Looking to get building my portfolio but currently not overly cash-rich (one day hopefully). My portfolio currently ranges from a 1 bed flat to a 4 bed villa. Recently I have had two extensive refurbishment project which have been thoroughly enjoyable (at times stressful) to do. Also have a full time job as an Optometrist, so property is a great change of scenery! Ive just started listening to the podcasts which are great. Go
  11. Hello from Sussex! Happy to help with any Letting & Property Management queries. I have worked for Allsop Residential Investment Management for 10 years and Leaders The Rental Agents for 3 years. Now set up on my own Letting & Managing properties around Sussex ARLA Qualified NFOPP Level 3 Technical Award
  12. Hello, I was looking to get some, advice from anyone about the property business. I am very new to property and don't know much about it or where to start, however I do have a growing interest in it. Open to any advice or suggests that you may have. Many thanks
  13. As a tax efficient method i intend to distribute my future portfolio between my wife and i this way keeping us both under the 40% tax bracket and therefore allowing us to offset more mortgage interest and also keep more rental income profit. However i was wondering if our circumstances were to change e.g. one of us began to earn more money with our day jobs and began to push the 40% tax bracket. How easy is it to transfer property from one to the other to keep us both under the 40% tax bracket and maintain efficiency?
  14. Hi and thanks for welcoming me into your group ;-) I'm property to the core having sold over 10,000 houses as an agent before concentrating on property auctions, development and investment. I currently own a multi service property business including 'Auction House Scotland' the 'Glasgow Property Agency' and we have a specialist broker for mortgage products for investors. I'm happy to help people in any of these areas so feel free to message me ;-) As a trader I'm interested in deals for my property funds...... I've bought 250 properties in the last 18 months and we're looking for more. Str
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