Investment Property Funding

What’s the secret of building a successful property portfolio and retiring on a guaranteed income for life?

YIELD ...

One of the key benefits of property is the ability to buy GENERATE INCOME ... as well as the potential capital growth when the property values increase.

Current property prices are about 20-25% lower than peak prices of 2 years ago. In some locations property has fallen by even more. For new investors who are looking for income, this is good news.

Bank interest rates are at an all time low, with investors in bonds and shares seeing their income fall dramatically. On the other hand, income from property has increased.

The fall in property prices and generally good demand for rental properties, mean that the yield in some locations has increased.

Call us on 0845 095 6900

If you are uncertain what exactly yield is, let's explain. The yield is the percentage annual income compared to the purchase price of the property. So if you purchase a property for £100,000 and the annual gross rental income is £10,000 - the yield is 10%.

In London, the yield is generally about 6-7%, although in prime Central London such as Mayfair, Belgravia, etc its more likely to be max 5%. In some locations in the North, the yield may be 10% or more.

Much better than you can achieve by leaving your cash in the bank.

The current "credit crunch" - with high interest rates, new lender rules and high requirements for rental coverage, means that No Money Down deals are virtually a thing of the past.

To purchase today, you are likely to require a deposit of 25-35% of the actual purchase price. The advantage of this is that you are borrowing less, which keeps your mortgage payments down ... and hence your monthly cash flow high.

WARNING: No money down deals only work if you borrow the maximum amount of money. Invariably your rental income will simply pay off the mortgage ... or by the time all costs are accounted for, you may even need to top up the income from other sources to pay the mortgage.

Call us on 0845 095 6900

There's good news when you invest in Off Plan Property.

Fast-Track is an approved introducer to the Deposit Guarantee Scheme backed by Zurich. With the scheme you can secure a new property that's 1-4 years off plan, without having to pay your deposit until completion. You simply pay a relatively small fee to the Zurich scheme, and exchange on the property with no deposit.

You fix the purchase price at today's value with the potential for capital growth during the next few years ... without the hassle of paying a mortgage or having a tenant in place ... and your deposit stays in your bank.