Invest in property, not stocks, says experts

With stocks in meltdown, there’s now even more reason to think about low-risk property investments.

The stock market is not a happy place. 45 billion pounds has been wiped from global company pension funds since the beginning of 2008. And among the world’s 11 largest countries, the UK’s pension schemes have been hit the hardest, with 64% of our long-term assets in equities. Nick Hopkinson, of property investment company Incito, doesn’t understand why more of us haven’t diversified into property before. “It’s clearly the best option for long-term capital growth,” he argues.

It’s a fair point – a quick look at what’s happened to the value of properties over the last decade can show you that. But isn’t the stock market slump of the last few weeks a telling sign of economic slowdown? Aren’t we told on a daily basis that the property market is falling, and that sellers are worrying and dropping their prices?

“Some sellers are,” Nick says, “but you have to bear in mind that the monthly property market figures you read are somewhat misleading. National figures hide major differences in growth because they’re based on averages. Parts of London and the South East, for example, are still growing because of the permanent shortage of supply. So as long as you buy in the right place at the right time, you’ll make a long-term profit. Now is the right time. And with good advice from a company like Incito, you’ll find the right place.”

We want to know why now is the right time. Do we really want to invest in property in the current climate? “If you’ve got a good credit rating and some capital, then definitely yes,” Nick says. It’s true that the banking system has not collapsed – in fact, the major lenders are already offering competitive mortgages to buyers who have A1 credit status and a deposit. Funds are bound to become increasingly available as the credit crunch unwinds over the next few months, so creditworthy customers will certainly be able to afford to purchase properties.

“It’s not a good time to sell, but it’s a very exciting time to buy,” argues Hopkinson. “I can’t stress this enough. If you follow the golden rules and don’t overstretch yourself, now is the time to get into property investment. It’s not a get-rich-quick scenario, but a long-term game-plan to ensure a more comfortable future. And that game-plan should start now. The longer you’re in it, the higher your return.”

Nick explains to us the ‘golden rules’ for getting real capital growth in property in the long-term. They are: maximum gearing – that is, using a mortgage as leverage to earn returns on much more than your initial investment; buying in the right locations; and compound capital growth – making money on the entire value of the property over ten years or more, rather than just on your outlay. For Nick, all these elements help to reduce the investment risk and maximise returns.

“Follow these,” Nick tells us, “and you won’t get caught out by the short-term fluctuations of the market. The biggest single group of people on the UK rich list consistently generate most of their money through property, regardless of the ups and downs of the market. However, most people just don’t have the time to find, negotiate and manage property investments. At Incito, however, we do all that for you. It’s completely hassle-free, since we act as your long-term investment partner, finding you the right property in the right place at the right price. We’ll give you all the information you need to help you form a bespoke ten-year investment plan and build your portfolio.”

It certainly sounds convincing. But for those of you who need more proof, there’s an Incito networking event on 12th February, where you can meet other potential investors, as well Incito’s current clients, who are the best people to ask about getting started. To find out more about this event, call Incito on 020 7409 1055 or go to incitopropertyinvestment.com. These events usually book up early, so get in touch with Incito today to reserve your place.

Mo money, mo problems?

By Antonio Thornton

I remember a rap song that talked about the more money you make, the more problems you have…geez. Talk about negative visualization. Who would want to make more money with this type of consequence attached to it?

My philosophy is that the more money you make, the more responsibility you have. You cannot be the same person at 50 million per year as you were at 50K per year. That’s why most lottery winners lose their money so quickly after they win it. They don’t get the added responsibility, and they lose the money by being irresponsible.

Never stop yourself from gaining money by deciding it will cause you problems. Instead, prepare for that money to be yours -with positive expectation. You may not have it yet, but the best way to see it come to you is to become a person who is ready for that responsibility.

Think about the way your life would change if you had the money, not in a ‘cool I’m going shopping’ kind of way, but think of the added responsibility you would have with that money and how you would deal with that added responsibility.

Money can be power. Many people consider money as a way to control other people. That is not the way to go, and will not bring you positive returns. Instead, consider money as a power to help people, better the world around you, and make a difference.

Money can be freedom. Instead of looking at money as the way to allow you to ‘do nothing’, look at money as the way for you to do the things you’ve always wanted to do…travel, skiing, rock climbing, giving, etc.

Money can be a from of self expression. Don’t look at money as the end…look at it as the means to fully express yourself to the world.

These are more empowering ways to view money.

Practical Application

Imagine being given a million bucks. What would you do with it?

Really think about this. Make a list of exactly what you would do with the money, if you’d spend it, what you would spend it on, if you’d save some, how much and why?

After you complete your list and the whole million is accounted for, look back at that list.

Did you account for the money in a responsible manner?

Really look at the decisions you made, could you have been a little more responsible with the money?

 http://www.antoniothornton.com/law-of-attraction/mo-money-mo-problems.html

Capital gains tax reform good news for whole of property market

The Chancellor’s draft legislation to reform Capital Gains Tax announced last week will be welcome news for small businesses as well as property investors, according to chartered accountant and expert property investor and Rod Thomas FCA of Axis Property Investment Ltd.

Mr Thomas, who will be holding seminars on property investment at the Homebuyer and Property Investor Show, 7-9 March at ExCeL, believes there are many property investors who would like to sell selected properties, but have chosen not to because of high Capital Gains Tax (CGT). However, now the new lower rate of 18% will encourage many investors to take a more flexible approach to developing their portfolio, selling underperforming assets in order to reinvest in potentially better performing property, without being faced with a large tax bill.

“The CGT trap has effectively forced some property investors to keep hold of properties longer than they originally intended. The current CGT rate of up to 40% has meant that investors who have re-mortgaged to buy more properties can not afford to sell because they will be unable to clear the mortgage and pay the tax.

“The new 18% rate confirmed last week will enable landlords to sell, which in turn will help to increase the supply of property in the market. This can only be good news for First Time Buyers.”

The new rate, which will come into force on the 6 April, will make property investment one of the most tax efficient investment vehicles in the UK, especially if a property is bought by a couple and sold with each using their CGT allowance of £9,200, and all tax deductions are maximised during the ownership of the property.

Mr Thomas continued: “This change in legislation will help to put the UK more in line with other European countries and in fact I believe the amount of funds raised by CGT will actually increase because the need to delay paying the tax will no longer be such an issue for individuals.”

Second home owners will also benefit from this change in legislation. David Lawrenson of Lettingfocus.com who will also be holding several seminars at the show believes that this new lower rate could even see an increase in the number of second home buyers especially in rural and coastal areas, but also in city centres as people look for a week day pied a terre.

Britons amass trillions of home wealth

Research by GE Money Home Lending has revealed that 26% of UK homes are owned outright by their owners, delivering £1.377 trillion of property wealth.

In addition, just over a third of Britons have mortgages, with £582bn of equity held in their homes.

Gerry Bell, head of mortgage marketing at GE Money Home Lending, said: “Whatever happens to the property market in the short term, we have had a prolonged period of rising prices which have – importantly – helped many homeowners to build equity and a reassuring cushion against any downturn.

“However, while consumers should take some reassurance from the equity that they currently hold in their homes, they also need to ensure that they are not complacent and continue to make prudent financial decisions – particularly in an environment of economic slowdown which could potentially see house prices falling.”

On a regional basis, the picture is extremely varied with the South East accounting for the lion’s share of UK property wealth (19.2%). This is followed by London (14.1%), making them the two “wealthiest” regions when it comes to property equity. The North East has only 2.97% of the property wealth whilst Wales has 4.5% – the two lowest percentages in the country.

Bell added: “It is true that many homeowners have benefited from significant growth in house prices in recent years, but clearly the picture is complex. What this research highlights is interesting regional variations.

“While the majority of property equity is found in London and the South East, almost a third of homeowners actually own their own homes outright in areas with significantly less equity – such as Wales and the North West. So while these consumers are not as equity-rich they are less impacted by rates rises and house price uncertainty.”

To look at predicted house price growth in your area over the next five years, click here.

Manchester tipped as property hotspot

Estate agents Savills has tipped Manchester as a property hotspot with potential for first-time buyers to get a foot on the property ladder.

For example, a mortgage for a one-bedroom apartment in the city centre can be acquired for approximately £100,000 said Savills, making it an attractive investment for first-timers.

Tom Rogers of Savills said Ancoats, an inner city area, is having millions of pounds injected into it.

Furthermore, the city is quite condensed so anything in the centre is accessible for wherever you live.

Savills added that Manchester is also attractive to buy-to let investors. The city is the second most visited in the UK with tourists spending around £2.9 billion annually.

In addition, there is a huge student base in Manchester which adds further impetus to invest.

Mr Rogers concluded that Manchester is a great vibrant city with a lot happening. The market is weakening currently but as far as property prices go, I think they are quite fairly priced in Manchester.

Late last year, estate agent Knight Frank said it was confident that the future of the Manchester property market.

The agent said that in the early 1950s the population of Manchester was 700,000, it is currently 440,000, consequently, there’s room for another 300,000 people.

In addition, the International Property Investment Network (IPIN) acknowledged Manyoo, in the heart of Manchester city’s docklands, as a strong investment.

A spokesperson for IPIN commented that many property investors are looking to invest in the UK and Manchester is the second major financial centre outside London and its cost of living is lower than the UK average.

Last month, a survey by propertyfinder.com established that Manchester was the second most sought after property region, after Brighton.

Expected interest rate cut to 5.25% is vital

The British Chambers of Commerce has said that while an expected interest rate cut to 5.25% is vital, a bigger cut in the rate is still needed.

David Kern, Economic Adviser to the BCC, said: “Global and domestic conditions have worsened since the MPC met last month. A cut in rates to 5.25% on Thursday is now urgently needed and widely expected. But this is no longer enough. To counter the mounting threats to the economy, we urge the MPC to cut interest rates to 5% as early as is practically possible.

Following the recent dramatic rate cuts in the US, we would welcome a bold UK move to 5% on Thursday. But, if this is thought to be too risky because it may be seen as signalling panic, the MPC could move to 5% in two rapid steps. It is critical, however, to avoid undue delay. The longer the MPC waits the bigger the danger that the situation will deteriorate, and the policy choices would become more difficult and even more unpleasant later in the year.”

News Flash!

Millions of homeowners now have to safeguard important property documents as lenders clear out their stores.

Mortgage providers Cheltenham & Gloucester and Nationwide have begun sending out the material to their customers.

Remortgaging

It’s important that one understands the motive and requirements before going for remortgaging. Remortgaging requires a lot of consideration, can involve some transfer cost and hence all the cost and requirement parameters should be clearly understood before going for remortgaging. Here, we present the details of remortgaging as available from Barclays Woolwich

Remortgaging could save you money – and it may be easier than you think.

It’s the process of moving your mortgage from one lender to another or choosing a different type of mortgage from your current lender. It could also cut your monthly repayments.

When should I consider remortgaging?

• If you’re coming to the end of a mortgage deal and are about to move on to your lender’s Standard Variable Rate.

• If your home has risen in value since you bought it, remortgaging could provide a cost-effective way of borrowing larger sums of money at lower mortgage rates of interest.

What to think about before remortgaging

Remortgaging can be a fairly straightforward process. The first step is to talk to a mortgage specialist about the wide range of mortgages available. Here are some example of the kinds of things you need to consider if you want to remortgage.

• If you’re locked into a fixed-term deal with your present lender, you may be liable for an early repayment charge that could wipe out most of your potential savings. You could also be charged a fee for closing your mortgage with your old lender.

• When comparing your old mortgage with a proposed new one, make sure that you compare like with like, eg a repayment mortgage with another repayment one rather than an interest-only loan.

• If you only have a small mortgage, you might be better off sticking with your current deal, as any savings could be cancelled out by the costs.

How it works

Your mortgage lender will want to know several things when you remortgage, including the market value of your property and your current income. Most lenders will require you to have at least 10% equity in your home.

Once your remortgage application has been accepted, the lender will instruct a surveyor to visit your home to establish how much the property is worth. Do be aware that a surveyor will often value your home at a lower price than an estate agent. The whole remortgage process – from your first conversation with a mortgage specialist to starting your new mortgage contract – can take six to eight weeks. However, this should only be considered a guideline. Woolwich Switch & Save® If you’re thinking about remortgaging and would like to find out what we can do for you, call our mortgage advisers on 0800 316 5500*, see our remortgaging offers or current deals for our existing customers. Customers switching from another lender can use the Woolwich Switch & Save remortgaging package with no valuation or legal costs. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Link to previous articles: Barclays Woolwich Mortgage Selector: Which Mortgage is right for me? Barclays Woolwich Mortgage: Property Ladder-2 Barclays Woolwich Mortgage: Property Ladder Checklist for Buying a Home Barclays Woolwich Mortgage FAQ Barclays Woolwich Mortgage Glossary

Buy to Let Mortgage Guide

The basics:

• Mortgages you don’t need a degree to understand.

• Choose to borrow in your private name (whether you are a UK Resident, Non Uk-Resident or Expatriate), as a combination of private individuals (up to 4 applicants allowed), as a Special Purpose Vehicle (SPV) Limited Company or a Limited Liability Partnership (LLP). A SPV Limited Company may be an attractive option if you’re looking for an alternative investment vehicle.

• Borrow up to 85% loan to value (based on purchase price or valuation whichever is lower) on selected products.

• Mortgages can be for 5 to 25 years.

• Choose repayments on an interest-only and/or capital repayment basis.

• We’ll consider loan of £35,000 up to £2.5 million on an individual property.

• Borrow on an unlimited number of properties within our BTL cap of £5m million (subject to formal approval).

• You can choose from a range of BTL Mortgage products including Fixed, Tracker and Switch and Save® Remortgage options. See our latest deals.

• Overpayments up to 10% can be made without incurring an early repayment charge (terms and conditions apply to certain products).

• We don’t have a maximum age restriction, but you will need to be at least 21.

• All mortgages are portable so you can move your BTL mortgage to another BTL property.

Rental cover:

Your property will need to generate sufficient annual rental income to cover your annual interest mortgage payment. The rent cover we will require is 105% calculated on the initial pay rate of the product you select.

General advice:

Owning an investment property is very different to owning your own home; you’re effectively running a small business and therefore need to research, plan and manage carefully to ensure the best possible chance of success.

Remember:

• BTL should be viewed as a long-term investment opportunity – the value of property can go down as well as up.

• Ensure you thoroughly research a prospective property and seek advice from local letting agents about its suitability for letting, level of current demand and anticipated rental income. Consider potential for other letting methods.

• Consider all the costs which may be involved (such as solicitors’ fees, stamp duty, letting agency and management fees, building insurance, ground rent/service charge for leasehold flats, maintenance/repairs to the property) into your calculations. • Consider the implications on your tax affairs. We recommend you consider taking professional tax advice from an accountant or discussing with your tax office. • Make provisions for how you would make your monthly BTL mortgage repayments in the event of your BTL property being empty, your tenants failing to pay or if interest rates rise. • You’ll need to arrange insurance that’s specifically for landlords. Find out more about Buy to Let insurance from Barclays.

Link to previous articles: Barclays Woolwich Mortgage Selector: Which Mortgage is right for me? Barclays Woolwich Mortgage: Property Ladder-2 Barclays Woolwich Mortgage: Property Ladder Checklist for Buying a Home Barclays Woolwich Mortgage FAQ Barclays Woolwich Remortgaging

Mortgage – Tips Designed To Help Every Homeowner Survive The 2008 Real Estate

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Another big player for Matthews was GMAC Mortgage which became pretty tight lipped and tucked tail and ran about the time they got involved with Concord Estates, a Matthews pet project which caved in shortly after their hugeDenver mortgage?

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