How to invest one million pounds

  “What would you do if you had £1 Million to invest?” Wouldn't this be a nice problem to have! We asked Simon Zutshi that very question, his answer makes interesting reading.  Simon has also very kindly offered Just Do Property readers a free copy of his No. 1 Property Best Seller "Property Magic".  The link to order is at the bottom of the article.  I am frequently asked this question by people who want advice on how best to invest their money, although it is not usually for quite as much. My answer is always the same. It depends what you want to achieve: cash flow, or equity growth as this will affect the type of property you invest in! People respond by saying “No Simon, I want to know what YOU would do if you had £1 million to invest?” Well that’s a bit different. I already have...
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Londoner’s annual rent to increase by over £5,000 in next five years

  As the new buy-to-let stamp duty surcharge takes hold, and landlords look for ways to offset the additional expenditure they are incurring on new purchases and take the sting off the proposed reduction in tax relief that will come into effect from 2017. Londoners renting in the capital could be facing an average increase in annual rental charges of £5,3281 by 2021, equating to an average monthly rent of £1,965 – up from today’s current average of £1,521.2 Claire Hodges, who lets a studio flat in Greenwich, has found her rent has increased already this year.  She said: “I was originally paying £725 per month when I signed my contract last year however in February I was notified this would be increased by another £25 per month to £750 from April.  It may not sound like a lot, but it certainly makes a difference to me. “Unfortunately it’s difficult...
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What should you consider before investing in a rental property?

Are you thinking about investing in property? It may seem easy, however there are a number of points to consider before you dive into a long-term commitment, to ensure security, success and a strong return on investment.

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Types of Property Investment: A Brief Guide

Property is, without question, one of the more popular areas of investment at present. It has long had a reputation for outperforming the stock market and equities in total net returns, and the difference is especially marked at present. Seasoned investors and newcomers are increasingly turning to bricks and mortar as a source of investment income.

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Tips for Ensuring Your Property Investment Is Profitable

Investing in property can be one of the trickiest of investments to get right. It can also be one of the most rewarding and profitable if you know what you are doing. Buying houses, renovating them and then renting them out to tenants can be a lengthy and stressful project, but it is important that care and effort is put into each stage of this process.
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Why not become a property educator yourself?

In a post-credit crunch, post-recession world, property has fallen out of favour for many people and they have forgotten what a great investment it can be. Seize this opportunity to educate them about how things are now, and how they can capitalise on that. It might be that up until now, you’ve only thought about investing in property, but there is a great deal of money to be made in educating others in how to do that. With an increase in house prices of 6% to June this year (Halifax) and a predicted recovery in the economy over the next two years (PriceWaterhouseCoopers) now is the time to start educating people in how they can make money in the property niche. If you are not already speaking about property, what’s stopping you? If you already use speaking as part of your marketing mix, are you seeing good conversions from it?...
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In which city are you likely to get the most for your money?

  Investing in a property is a huge step and it is only made more difficult by the uncertainty in the housing market caused by the recession. The UK property market has been steadily recovering leading to an increase in the asking price of many homes for sale. In order to get the most for your money, we take a look at the regional differences in property prices to see which cities have the most to offer when it comes to investing in property. The Least Affordable Places in the UK London house prices are shooting up due to international demand. In fact, the ten worst places to buy a home are situated in London meaning that many are choosing to buy property in other UK areas and commute to work. Salisbury, Brighton, St Albans, Exeter and Bath were among the cities names as being some of the worst places...
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Questions to ask when buying a house: what can I afford?

Zoopla.co.uk property news author Ewan Robertson provides tips to new home buyers on assessing your financial readiness before buying a new home.   You’ve probably heard that we’re in a buyer’s market: house prices are forecast to stay flat or decline slightly for the rest of the year and in 2013, and at last, home sales are beginning to rebound. Mortgage rates have hit record lows in the U.S., and there’s a pricing war going on between mortgage lenders at home. No one would blame you for thinking that it’s a prime time to start thinking about buying a home. But investing in property is about more than favourable interest rates and an encouraging marketplace; you also need to assess your financial readiness and mark out the maximum budgets that you can reasonably maintain. So, instead of rushing into checklists filled with estate agents, conveyancers and properties –make a financial...
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What advice would you give a new landlord?

Since the introduction of TV programmes such as ‘Homes Under the Hammer’ and ‘Property Ladder’ the number of individuals who have ventured into the buy-to-let industry has boomed.
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Pay off your Mortgage and secure a strong pension

In just 10 years from now, how would you like to have paid off your home mortgage in full and have secured a strong pension?
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Are you properly insured?

Property values in the UK fell slightly for the first part of 2011 (Nationwide indicated an average fall of 1.3%, Halifax a fall of 3.7% and the Land Registry a fall of 2.3% for the same period). With fewer first time buyers entering the market. According to the Council of Mortgage Lenders property investors took out 27,600 buy to let mortgages (totalling £2.9 billion) in early 2011 which was 3.5% lower than loans taken out in the last quarter of 2010 (11% fall in overall mortgage lending in the first part of 2011).
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Rightmove Speak on Buy to Let and More…

A great interview by PS Investor Services. Now a household name, the Rightmove property portal has now become the first point of call for the large majority of the nation’s house buyers and sellers.  Launched in 2000, the company is now listed on the London Stock Exchange and recently attracted attention as being one of the only sites on the planet that Google pulled out of competing with due to its well established presence. We were therefore very grateful to be able to ask some questions to Miles Shipside – the company’s commercial director – who has had an integral role in bringing the company to where it is today.  We focus on how the company has grown over the last 10 years; maintaining its strong position; 2011 plans; searching for investment property; quality control; what makes a successful property advertisement; the overseas property market; the Rightmove property index; the role...
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Top 20 place’s NOT to invest in Buy to Let

Investing in property can be quite a lucrative and profitable business. Finding the right house in the right location will be the most important aspect of entering into the buy to let market and once you have purchased the property, you can then get to work on the other aspects of becoming a landlord. Will you furnish the property or leave it unfurnished? What tenants are you interested in pursuing, a family, a young couple or is your property more suited to students? One thing that you do need to consider is both your tenants and your investments safety. It is estimated that in our lifetime, one in three of us will have our property broken into. This is a scary figure especially if you own three properties. Having a comprehensive landlord insurance policy will protect your investment and its contents if you have furnished it however you should encourage...
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The 7 GOLDEN rules of property investing....

I thought it would be useful to give you a short exerpt from Paul McFaddens Property Jumpstart training. Hope you enjoy it! The 7 Golden Rules of Property Investing By following the 7 simple golden rules, you will minimise the risk when investing in property. The following rules will ensure that you do not lose money by making bad investment decisions.... Research, research, research! Always do your due diligence! It is essential that you stick to your buying strategy and never deviate from it. By keeping this discipline you will always make good investments and minimise the risk. It is vital that you do enough research to ensure there is zero risk in the investment you are about to make. Stick to the basics! The key is to keep the fundamentals in mind at all times. Location, type of property, rental yield and so on. More on this as we go.......
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What constitutes a good ready made deal?

Heres a great article from Rob Hubbard our new Ready Made Deals Mentor. I often get asked by prospective new investor clients or novice investors the question “What constitutes a good ready made deal?” Therefore, this month I’m going to share with you some of the reasoning that I employ when seeking out potential deals. The thing is with property, each property is different, there is no such thing as “one size fit’s all” and it’s looking for the hidden potential that can make a deal good or even great. Why should you look at a ready made deal? Some investors have plenty of time on their hands although choose to invest in an area that is either not local to them or they are unfamiliar with. Other investors are ‘time poor’. Occasionally, Investors just choose to outsource the investigation works as they have no interest is finding property only owning...
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What are the benefits of off-plan property and why is it so cost-effective to purchase in this way?

More often than not, the most economical way of purchasing property is to buy it off-plan - which, to anyone not yet enlightened on the subject, means exactly what it says. To buy off-plan is to purchase property after having seen only the architect’s plans - as opposed to a completed house, apartment or villa. Particularly fashionable in the overseas property industry but also common-place with development property here in the UK, off-plan is a popular purchase option for shrewd investors and those seeking a holiday home alike. So, what are the benefits of purchasing in this way and why is it such a cost-effective option? There are numerous reasons why people choose to purchase off-plan, with finances featuring at the top of the list. Prior to construction, developers often sell their property at substantially below its market value, giving early investors the opportunity to buy the same property as those...
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