YPC Group
YPC Group
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  • The pros and cons of using your home equity to invest in property In my last article, I discussed why you need a large deposit for residential investment property, and how a larger deposit doesn’t make investing in property any less attractive. A popular source of deposit capital is the equity in an investor’s home (the difference between value and mortgage outstanding). In this article, you’l...

YPC Group
YPC Group
Blog Post
YPC Group
YPC Group
Blog Post
  • Key knowledge to help you negotiate the best investment price We recently received an email from a property investor asking how off-plan and new build property is priced by developers. Specifically, the investor wanted to know why similar properties could be priced so differently in different areas, and how much leeway this might offer, if any, in negotiations on price with the developer.

YPC Group
YPC Group
Blog Post
  • Understand income tax issues to maximise net rental profits When you invest in property, you should give some consideration to how much tax you might pay on the rental income. Now, I have never believed that tax should be the reason not to invest. However, understanding the tax implications of owning and operating an investment property as a buy-to-let will help you decide how to structure you...

YPC Group
YPC Group
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  • 7 key factors to assess before you invest in property One of the major problems with taking notice of property news is that it is almost always national news. Headlines and analysis are based upon a whole-of-country view. If you ignore these headlines and look closer, you’ll see that there are always pockets of outperformance. The trick is to find them.

YPC Group
YPC Group
Blog Post
  • How to work out if you should invest in property In a recent article, I explained how to keep it simple with the property investment lifestyle ROI method. Today, I’m going to discuss the financial ROI of property investment, and why you must keep it high on the list of your investment considerations.

YPC Group
YPC Group
Blog Post
  • New surveys show renewed confidence in the private rented sector Perhaps it depends on who you are surveying or the questions that you ask, but recent buy-to-let landlord surveys show that the dire predictions of investors turning their backs on property and landlords selling up were wide of the mark. In fact, two separate surveys show the opposite is true: buy-to-let investors are expanding t...

YPC Group
YPC Group
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  • Perfect planning delivers perfect property performance Investing in property really can provide the lifestyle you desire. PwC has forecast that 1 in 4 homes in the UK will be in the private rented sector by 2025. With more than a million extra households expected to be renting in 2025 compared to today, the demand for rental property could turn your goals into reality. To realise this potentia...

YPC Group
YPC Group
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  • The secrets to an accurate assessment of investment property expenses One of the keys to success in property investment is to accurately assess the cash flow a property will provide. Only when you know this will you be able to plan your investment finances. If the property you buy costs more in expenses than it makes in rent, you’ll have to subsidise the difference out of your own pocket.

YPC Group
YPC Group
Blog Post
  • Your questions about investment property conveyancing answered When you invest in property in the UK, it pays to have a good solicitor on your side. It may be the biggest single investment you will ever make, and I would always advise using a solicitor rather than a conveyancer. The more complex the property purchase, such as when buying off-plan property, the more likely it is that you’ll nee...

YPC Group
YPC Group
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  • And one way to furnish buy-to-let property effortlessly To maximise your rental income and keep void periods to a minimum, the furniture you choose for your buy-to-let property must have a top-of-the-range look. Let’s be honest, if you fit out an apartment with a mish-mash of second-hand furniture, you won’t attract the tenants you desire. Nor will you be able to charge a premium rental.

YPC Group
YPC Group
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  • How to weigh costs against income to estimate bottom line profits After reading my last two articles, you’ll probably be feeling energised by the prospects of letting your buy-to-let investment as a furnished property. You could benefit from a higher demand for your property, higher rents, shorter void periods, and higher rental profits. On the flip side, to unlock this potential there’s an up...

YPC Group
YPC Group
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  • The pros and cons of furnishing a property to rent An investment property should be your ticket to a better life. It gives you this by providing the cash flow to pay for the things you want to do. If you hire a good investment property manager to do all the day-to-day work for you, you’ll have the time to do those things, too. The question to answer is how to maximise your rental income profit...

YPC Group
YPC Group
Blog Post
  • 7 reasons why you should be investing in property in Birmingham As we recently reported, property investment cities in the Midlands and the North are outperforming London and the South. One of the key cities that is performing so far ahead of the UK average is Birmingham – a city that we’ve been recommending to property investors for some time. In this article, you’ll learn about seven reasons...

YPC Group
YPC Group
Blog Post
  • House prices and rents are growing The latest property news reads well for investors. Property price growth has stabilised, as have average rental yields, while rental prices are rising. No one is now forecasting a Brexit-induced crash in property price. The news flow indicates that the squeeze on buy-to-let profits may be coming to an end.

YPC Group
YPC Group
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  • The higher your profits, the better your lifestyle Whether investing for the first time or a seasoned property investor, you should set out with a business plan for each buy-to-let (BTL) property you purchase. The idea, surely, is to make as much money as possible with the least amount of effort. The more money you make, the closer you get to your life goals. The less effort you need to put in...

YPC Group
YPC Group
Blog Post
  • The pros and cons of interest only mortgages for investment financing Most property investors reap the benefits of leveraging in property investment by opting for an interest-only mortgage. But as the amount of mortgage interest tax relief that higher rate taxpayers can claim is reduced and interest rates rise, might you be better advised to invest with a repayment mortgage?

YPC Group
YPC Group
Blog Post
  • Why Bradford could be a star performer for property investors in 2018 When you’re searching for the best places to invest in property UK, Bradford may not be the first city that springs to mind. However, our research has found that it could be the cut-price gem in your property portfolio. In this article, you’ll read about the six things we think make Bradford a great place to invest in proper...

YPC Group
YPC Group
Blog Post
  • Identifying the best places to invest in property UK The latest house price index – this one from Hometrack – confirms what readers of the Gladfish blog and newsletter have known for some time: London and the South have been usurped by northern cities for house price growth. In this article, we’ll look at how property prices are faring in the UK’s key cities, and shed light on why we believe t...

YPC Group
YPC Group
Blog Post
  • How to get the best mortgage deal when you own multiple properties Investment property is a great asset to build wealth and passive income. Sure, property prices fluctuate through the property and economic trend cycle, but in the UK they have doubled every 8 to 10 years on average. As a long-term investment, buying property today has the potential to produce lifestyle income in retirement. Onc...

YPC Group
YPC Group
Blog Post
  • Why broadband speed should be added to your infrastructure checklist High-speed broadband should be a feature on every property investor’s wish list. Even as recently as a couple of years ago, when we first highlighted broadband as the hidden advantage for London off-plan property investors, it was clear that a lack of high-speed connectivity could wipe as much as 20% off property prices. Now,...

YPC Group
YPC Group
Blog Post
  • Making stamp duty less taxing when you invest in property Buy-to-let property investors have had to cope with a 3% stamp duty surcharge on the property purchases since April 2016. It is one of the extra taxes that have been blamed for a slowdown in the buy-to-let market. Now, I’m a firm believer in not making tax the deciding factor in your investment decision, but such costs are among the sev...

YPC Group
YPC Group
Blog Post
  • When it comes to deposits, size isn’t the only thing that matters The minimum deposit you need to secure a buy-to-let mortgage varies between lenders. Generally, it is at least 25% of the purchase price. Buy-to-let mortgages differ from homebuyer mortgages. The amount of deposit you put down could have a positive effect on your mortgage offer. And accessing the best deals needs a different app...

YPC Group
YPC Group
Blog Post
  • Price is what you pay for a property, the value is what you get “Price is what you pay. Value is what you get.” One of my favourite quotes from Warren Buffett, widely accepted as the greatest value investor who ever lived. It’s also a great motto for the property investor. In this article, I’ll explain what it means – and what it is that investors are really paying for.

YPC Group
YPC Group
Blog Post
  • Understand investment costs to maximise profit potential Property investment could be the game changer that transforms your future, but to get started you must be financially prepared. You must budget for your investment. In this article, you’ll learn more about the upfront costs that I outlined in my article “How much does it really cost to invest in property?”

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