Why I should seek advice from the Inveztments Team?
We are investors who know investors’ requirements really well and will only look for properties we would buy ourselves.
How about hidden costs?
We are paid by the developers, so there are no commissions and fees.
What if the developer goes belly up?
We only work with developers with a proven track record, and we constantly monitor how clients perform. We view each property before the sale, during the building process and after completion. We also check the management company’s accounts to make sure developers are healthy.
Why are you so unique?
We care! We look after our clients, who receive regular updates and sector reports.
How and when do I receive my coupon?
While this may vary from property to property, funds are generally paid into a buyer’s bank account each quarter in arrears – This is an automatic payment, so once you have provided your bank details, you simply need to wait for the money to be transferred.
What happens when the guaranteed rental return period comes to an end?
The buyer retains full ownership of the property, of course. He can choose to sell it, renegotiate terms with the developer or manage his unit independently.
What kind of after-sale services do you provide?
Any purchase will be followed by regular construction updates and site photography. All our buyers also receive updates on market shifts relevant to our properties. We have a dedicated after-sales team who will answer all your queries and liaise with the solicitors every step of the way to ensure a prompt, stress-free exchange.
How about legal risk?
We work with a number of legal partners. We will recommend you a solicitor at a reduced rate, although you are obviously entitled to seek independent legal advice. The companies we work with are all member of the UK Law Society. Solicitors fees vary depending on the project, but they are usually between 1,000 and 1,500 GBP. This includes legal searches, conveyancing, VAT and title registration.
Can I view the properties anytime I want?
You can view the properties and visits can be arranged. We usually need a three -week notice to organise a site visit with the developer. The developer will be available to answer any questions you may have, along with the management team involved in the operations.
Who is in charge for managing the properties?
The developer is responsible for management, and it appoints a specialist company to handle this on their behalf. This company works under a performance-based contract and can be replaced at any time if it proves to be a disappointment.
How do I know they will manage the properties effectively?
The interests of the management company are aligned with yours; it must ensure 100% occupancy and to nurture rental growth for the developer.
What are my chances of reselling the property for a profit?
Residential Properties in the UK generally double in value every 10 years. Making a profit with commercial property is also as good way to seek value, based on a yield-driven capital growth investment.
More on Taxes in the UK:
Stamp Duty Land Tax (SDLT)
|Property or lease premium or transfer value||SDLT rate|
|Up to £125,000||Zero|
|The next £125,000 (the portion from £125,001 to £250,000)||2%|
|The next £675,000 (the portion from £250,001 to £925,000)||5%|
|The next £575,000 (the portion from £925,001 to £1.5 million)||10%|
|The remaining amount (the portion above £1.5 million)||12%|
Tax on rental Income: Tax free Personal Allowance of 11,500 per year. Rates surges after that.
Capital Gains Tax is charged on the proceeds of a property sale less is original cost less expenses,(improvements ,legal ,estate agency fees etc). Normally it between 18% and 28%.
Inheritance Tax: full details can be found here. Plan this in advance to avoid a hefty bill for your children.
Tax on dividends: full details can be found here.