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Found 25 results

  1. Hi everyone, I have been looking to purchase my first property, hopefully soon. I have viewings booked for quite a few properties next weekend, and I will be booking another few in another city for the weekend after. I spend weeks in front of my little spreadsheet which would give me all the numbers I want to see when considering the property. I spent another week or so reading about taxes as an individual and a limited company (also had a chat with an accountant) and I decided to go forward as a limited company. These numbers are based on an actual property that I am looking i
  2. 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
  3. Hi All, I'm using ROI, amongst other metrics, to determine if it's worth investing in a given buy-to-let property or not. However, I'm struggling with a couple of things, which are related, and as a newbie, I'd love your input on them. I see most of the people using ROI, and even many calculators online or spreadsheet, don't include capital growth in their ROI calculations. I'm not sure I understand why they wouldn't include capital growth in their calculations. Yes, it's impossible to predict, but on average it's fair to say you could use a 3.5% capital growth in your calculation.
  4. Hi everyone, Really looking for advice here as keep hitting a brick wall! I just can't seem to stack any number up to generate a ROI of even over 3%! Please advise if i am doing something wrong or need to change: See below example: I am investing in my local area and decided to buy a property every year @ 100K Here is one i wouldn't mind getting as looks low maintenance - For arguments sake, lets keep price @ £100k I am investing through my LTD with 75 LTV (Based on 4% workings) Stamp Duty:- £3k Deposit £25k
  5. 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
  6. Good evening all I’m looking to invest in Leeds especially after today’s podcast. Moving area from my comfort zone in Doncaster and Scunthorpe. Just looking for advice on which areas to consider bearing in mind I’d like to still achieve returns of 7% and also maximise potential for CG. My current portfolio consists of single let’s and as I would be managing this myself it’s what I’d like to stick too! I have done abit of homework and gathered northern Leeds is very popular for working professionals as well as city Center. Is there anyone who can shed any light on up and coming
  7. Hello Everyone. I am completely new to the property hub forum, but I have been listening to the podcast for well over a year. I currently live in Weymouth in a 4 bedroom semi detached house, of which two of the rooms I rent out to my mates. I am starting to build up a good amount of capital and I am looking to invest ideally within a 30-40 minute drive of where I live. I have a budget of between £130-150k. I have seen a some opportunities in Weymouth, however most deals I have looked at struggle to achieve much more then a 10-12% ROI. Was wondering if anyone else lives around th
  8. 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
  9. 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
  10. We're looking at purchasing our second BtL. First property is a 2 bed house, which has done very well for us in terms of capital growth and steady rental return. Our plan was to go for another 2 bed house but we've changed tack. We've had an offer accepted on a one bed flat with a tenant in situ. The numbers are: Rent £475 pcm Service charge and ground rent £40 pcm Mortgage (interest only) £180. Purchase price is £88000, deposit of £22k plus other legal and stamp duty costs (approx £4500). The flat is in a conversion which has been done well and is walking distanc
  11. Hi all, I currently own a property outright which i am considering either selling or remortgaging with the intent of renting out. I bought it back in 2012 and since then it has increased enough in value to be able to pull out all of the original cash we put in if we were to remortgage. Now ,if I am right, by remortgaging that means the ROI would be infinite...? but I'm not sure what that means for the net and gross values and how this would impact my decision on if this is a good property to keep or sell and buy another instead. How would I calculate these figures when remortgaging. Up t
  12. Hi, I'm looking for advice going forward with regards to living off my rental income and future remortgages. I'm thinking forward and looking at the possibility of living off my rental income in the near future. I'm looking to save up a lump sum to live off initially and would like advice from full-time property investors. 1st question is, once living solely on rental income, how easy is it to remortgage your BTL's and home mortgage? Have you done this? which lenders do it and what criteria are they looking for the least? and what's a typical
  13. Hi guys, I feel I have found a great deal local to me. The property is currently listed at under 40k but I think it could sell for less. However, properties in the same area, even on the same street, are selling for 70k+. The property is slightly run down and so would need refurbishing, but would this boost the value to that 70k mark? My numbers at the minute are: 10k deposit 30k mortgage (or bridging loan) 10k renovation refinance at 70k 52.5k mortgage -30k first mortgage/ bridging loan -10k deposit -10k r
  14. I'm just getting into this property thing, having been an accidental landlord in London. We sold the house last year to release equity for various reasons and are looking at re-investing some in the Notts area. I am currently looking at a 2/3 bed townhouse in an area that I have long considered to be a growth area. It is currently going through a regeneration program (that links in with others such as 'the gateway to the City') and has seen investment from private p. development companies buying up plots of land for eco housing etc. The schools are improving, its located near the r
  15. 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
  16. Hello there I am thinking of purchasing my first BTL property in Birmingham and would appreciate some input. I wanted to buy in the city centre (B16) because I expect house prices to rise in the long term due to the various regeneration projects . My focus is on capital growth, although I know I should not count on it. At the same time I know I should not settle with an ROI that is too low as I need some margin to avoid a negative ROI. Having crunched the numbers on my chosen property, I realised to my surprise that the the ROI is very low - 3.81% if I b
  17. Hi all, just wanted to share this article from the Irish Times with the European BTL League table. For those looking to possibly invest outside of the UK (25th 4% ROI) https://www.irishtimes.com/business/commercial-property/housing-crisis-no-wonder-ireland-has-eu-s-top-rental-yields-1.3242622
  18. Hello everyone Recently I've prepared some calculation for my first buy-to-let property scenario. In my calculation I've made the following assumpions: - Buy £80k property with 75% mortgage of 60k - The interest-only repayment calculated on the mortgage site for 35 years and interest rate of 3% was equal to £150 per month - The gross rent can be £533 per month or 6400 yearly (I assumed 8% ROI when purchased BMV) - After mortgage the net-income will be £533-£150 = £383 Is that calculation right? Is it possible to get ~£380 net profit after mortg
  19. Hi all, I'm in the early stages of setting up a company for building modern homes in a very popular tourist destination in Spain. My business partners (who already have experience as they have done similar projects in nearby locations) and I have already bought various plots of land UMV. Wewould use the same building team as they have used in their other projects and have various estate agents who seem really interested in our project. Our problem that we encounter is that we are looking for a loan 120k/€ but our loanee has had some problems and won't be able to lo
  20. Hi all, Looking for a range of opinions on my current dilemma. I have 2 x BTL properties. Property 1 - 2 bed mid terraced modern house in Devon, Rents for £675, Value £175k, ROI of just over 5% once all costs are taken into account including things like building a fund for replacement boiler etc. It's bringing in around £2k per year gross profit before tax. Property 2 - 2 bed flat in Stevenage, Value £210-230k ish, rents for £800, Just bought this after a horribly delayed purchase process. Washing its face but not stellar, hoping rents rise a little
  21. Hello! I'm looking at houses in Bradford and Leeds and was wondering what other people target ROI was for these markets? The houses I'm looking at are getting ROI of about 10-12%, how does this compare to others? Is this a good range to aim for? The houses I'm looking at are all below 100k min 2 bedroom within 3 miles of LS7. Also, my budget is 75k, I'm seeing lots a good properties at 85-90k, would an offer of 75k be considered taking the mick? How much below the guide price is the average selling price these days in these areas or regionally?
  22. Taking into account the new tax regulation for individuals many people are forming limited companies and buying properties under the limited company. What is the best efficient options? Can the limited company allow us save more money on the long run? Please share your views and experience. Regards,
  23. Hey, we are complete newbies who are renting our main residential house whilst we take a mid-life gap year. During this gap year, we have read Rich Dad, Poor Dad, and so have decided that a 5 bed house in a premium school catchment area isn't the best use of the assets of two childless people. We have made the decision that we are going to buy a smaller house in a less family friendly place to reduce our ongoing costs. The main residential house has 75% equity due to improvements, mortgage repayments and overall property value increases. Can anyone give any advice o
  24. Hi all, looking for some guidance here please! I'm in a position where I'm ready to invest in a couple of properties. I have the funds and an idea of where I would like to invest, but would like to ensure that when I'm comparing properties it is offering a true like-for-like comparison between properties, is representative of what I can expect to achieve when the property is eventually let out, and is generally considered a good investment. In particular I am unsure exactly how best to calculate the return on investment. I've (unsuccessfully) tried to raise this as an
  25. Hi all, A topic that has been discussed directly/indirectly over and again in forums, podcasts (!, well done R&R), and books (well done again R&R), I thought it would be interesting for those starting out including myself to set a reasonable baseline, and to gauge the current aggregate mood on two of members' most fundamental data points, yield and ROI. With the wide range of opinions, acknowledging the lack of a correct answer, and all things being equal which is not the case in property, what would you the investor, and the aspiring, prefer your gross yield, net yield, and RO
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