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Regulated tenancy – worth buying?

strategic planning Jan 10, 2019

THE QUESTION

I’ve been offered a house well under market value, but it has a tenant who has lived there since 1992 on a regulated tenancy.  She is only paying £225 rent per month, if I bought the property would I be able to evict her or not?

THE ANSWER

The regulated tenancy could not have started in 1992 because the last date for legally commencing such a tenancy was 31st...

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Leveraging your equity

strategic planning Oct 10, 2018

If you are looking to purchase a property as an investment, it can look like an uphill trudge.  You have to save up the 25% deposit, not to mention the costs of refurbing and other things which always come up when you have the least cash available.

However, it’s surprising how many potential investors ignore the equity they have in their home, or an investment property that they...

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Is it better to buy-to-let or buy, do up and sell?

THE ANSWER

Neither is better, they're just different strategies.

Buying to sell (BTS) gives you a significant cash lump sum (if you do it right) within months.

Buy-to-Let (BTL) gives you a much smaller monthly profit (if you do it right) for years to come, with the bonus of potential capital growth (depending on where you buy).

  • Some people focus on BTS because their current circumstances mean...
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7 steps to getting higher refinance values

strategic planning Jun 11, 2018

When you are ready to apply to refinance a buy-to-let property that you have recently purchased and renovated you’ll need to have it valued.  This is often a point of friction when the valuer doesn’t agree with what you think the property is now worth.

In order to persuade your mortgage lender’s surveyor that you’ve added considerable value to your property,...

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What’s the benefit of a cash buyer strategy?

strategic planning May 30, 2018

THE QUESTION

As a new property investor with an abundance of desire, I see my strategy will be to mortgage at 75% LTV on an interest only, refurb and leave little or no money in, then re-mortgage and live off the cash flow and capital growth.  What advantage would it be for me to buy property outright as a cash buyer using alternative financing, unless I found a few incredibly BMV...

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How to get most of your money out of every deal

strategic planning May 10, 2018

I’ve been in the property for decades and I remember the days of no-money-down property purchases, but these are long gone.

You can’t get a 24-hour remortgage any longer.  Most property investors now see it as a longer haul as that 25% deposit means money is trapped in every property you buy.  The processes to get your money out fast and move on to the next purchase that...

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Leverage your equity

strategic planning Mar 22, 2018

Most people who embark on property investment are not cash rich.  Usually they have successful careers or may have run a business and have built up substantial equity in their own home, but don’t have massive savings.

To get started in property newbie investors often decide to release some of the equity in their own property to put down deposits on others.  Property values are...

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What’s the best option to buy property?

strategic planning Feb 28, 2018

THE QUESTION

I'm not a homeowner, but looking to purchase - either residential, BTL or to buy a derelict property and flip.

I have a limited company with a turnover circa £200K and projected to double that in the next year.  I have no personal debts or defaults and a good credit rating.

I'm entrepreneurial, confident I can flip properties, and would like some guidance in funding...

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6 steps to getting a better valuation

strategic planning Nov 20, 2017

When you’ve refurbed your property and are looking to remortgage, you have a challenge.  If you’ve bought within the last year or so, the lender’s valuer will be focused on the sum you paid for the property.

It doesn’t matter if you paid 30% less than the identical house up the road went for – they’re only interested in what you paid, not what the...

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Opportunities you should not overlook

strategic planning Oct 20, 2017

Are you looking out for unmortgageable properties with problems that you can solve? They’re lucrative investments if you know how to leverage them – and with smart financing, using bridging they are great opportunities.

These are all great for intelligent investors, but mortgage lenders won’t touch them.

  1. A derelict property
  2. Properties where part of the building is in severe...
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