The fundamentals of property investing are the nuts and bolts of your business. Ensuring that you have a great team around you will help towards your success. 

This is your first step in your property investing career.

Understanding the legal aspects of buying a property and having a great solicitor in place is really important. Also having access to the right finance is the key to securing those great deals once you find them.

Within this section you will also find information about tax and capital allowances. This will enable you to plan for how much tax you will need to pay and also how much tax you could save if you do things in the right way from the outset.

A Guide to Buy-to-Let Mortgages

These days, it’s more important than ever to make 100% sure that you have thoroughly understood the numbers behind a buy to let property, particularly when it comes to your mortgage. With this in mind, here is a brief guide to buy to let mortgages.Buy to let mortgages work differently depending on whether or not you are a limited companyEven though lenders assess potential borrowers on the basis of the rental income they (expect to) receive from the property, in a worst-case scenario; they can make a claim against a private individual’s personal property. They can, however, only claim against the assets of a limited company rather than the property of the people who own the company and have to take this fact into consideration when deciding whether or not to do business with them.Landlords with more than three mortgaged properties must have their whole portfolio assessedThis regulation comes into...
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Do you know the legal requirements of being a landlord?

As a landlord, it is your sole responsibility to ensure that you meet all legal requirements.  You can't blame lack of awareness or your letting agent.  It is down to you - if you don't meet these requirements you could face prosecution. It's a scary thought; so, knowledge is the key.  Even if you have a letting agent managing your property, make sure that you are familiar with your legal responsibilities and you'll be covered.We have updated our legal checklist and it is available for download. It covers items such as: Gas Safety Electrical Safety EPC's and the new 2018 regulations Deposit Protection Deregulation act And much more...  If you want to make sure that you are meeting your legal requirements as a landlord then....Download our legal checklist to make sure you have everything covered (updated September 2017)
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Protecting yourself from property fraud

Property fraud is where fraudsters try to “steal” your property, most commonly by pretending to be you and selling or mortgaging your property without your knowledge. This is such a nightmare scenario as your property is your most valuable asset, which is why fraudsters target it.Properties that are more vulnerable to fraud are: Mortgage free properties Tenanted properties Empty properties If the owner lives overseas Where the owner has died and the property is held in trust Fraudster’s can attempt to acquire ownership by stealing an owner’s identity by using a forged document or impersonating the registered owner. Once they have raised money by mortgaging the property without the owner’s knowledge, they disappear without making repayments leaving the owner to deal with the consequences.You should register your property with the Land Registry if it isn’t already.  If you bought or remortgaged your property after 1998 then it should be registered,...
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Finance using a refurbishment strategy

A property refurbishment can give a significant uplift in value, provided you have bought well and the works are done to a sensible spec and budget. At the cheaper end of the market, you might find you are bidding against a first-time buyer who intends to live in the property, or perhaps against a builder who can carry out the works themselves, “at cost”. These competitors might well be happy to pay more for a property than an investor, given they might not be working off a yield, or against the same project costs. At the more expensive end, the finish will become more important, and yields likely to be slimmer, so choose your investment property wisely, and don’t let your emotions get in the way! Refurbishment LoanFrom a short-term (bridging) lenders perspective, a Refurbishment Loan would be applicable if there is an existing structure (property) which remains wind &...
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Will you be able to rent out your property next year?

  Were you aware that from April 2018, your property will need to be a minimum EPC rating of E or above to be able to rent it to a tenant?  As a landlord, you are liable to pay a hefty fine if you do not adhere to the regulations.This could affect over 300,000 properties in the private rental sector.   Until 2020, it only applies to new lets but after that it will apply to all rented properties. There are rumours that some green deal initiatives will be coming soon, so keep an eye out for those.So, as a landlord what do you need to do now? Have a look at the EPC register to see what grade your property was rated. Click here to go to the register. Make sure it is less than 10 years old. EPC’s are only valid for 10 years, then you need to have...
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