What is the SEIS scheme?
We take a look at the SEIS scheme and explain how it differs from the Enterprise Investment Scheme for companies and investors. The SEIS scheme stands for Seed Enterprise Investment Scheme. It is commonly referred to as seed investment. The SEIS scheme was introduced in April 2012 to give additional [...]
What is the Enterprise Investment Scheme?
Since its inception in 1994, the Enterprise Investment Scheme has proved to be an astounding success. The scheme has successfully bridged the funding gap between early-stage growth companies and investors by offering significant tax breaks. To date, the scheme has helped raise investment for over 32,965 companies, raising £24 billion in the [...]
Investing in off plan property for Overseas investors
Investing in off-plan properties in the United Kingdom (U.K.) offers numerous advantages for Nigerian investors. Firstly, the U.K. real estate market is renowned for its stability and resilience, making it an attractive destination for long-term investments. Off-plan properties, which are purchased before construction is complete, provide investors with the opportunity [...]
Property as pivotal asset in Proptech coins
In the burgeoning realm of digital assets, property has emerged as a pivotal asset class backing cryptocurrencies. By leveraging real estate, land, and other tangible properties as collateral, crypto projects can establish a tangible foundation for their virtual coins and tokens. This innovative approach not only enhances the credibility and [...]
PropTech is transforming property markets
The real estate industry is undergoing a profound transformation driven by technological advancements. As digital technologies continue to reshape various aspects of real estate, property has emerged as a pivotal asset in the realm of PropTech. This paper examines the critical role that property plays in PropTech and explores the [...]
Latest property values in Greater Manchester
In this article, you will find out the average property values in Manchester boroughs. We list the current average prices of property across each of the 10 Greater Manchester boroughs. For additional analysis, we have split each borough into several areas and ranked them according to the average property cost. [...]
Attend the largest London PropTech show in two weeks
The London PropTech Show is only two weeks away and it promises to be the largest event of its kind in Europe. The annual event, which will take place on February 15 & 16, 2023 at the Business Design Centre, promises to be exceptional. Education and collaboration It will bring [...]
What’s next for $1 trillion global crypto market?
As the global crypto market breaks through the $1 trillion mark for the first time since the collapse of FXT, we ask what is next for the global crypto marketplace. Backdrop Despite a dismal performance in 2022, with a huge market contraction in the crypto market that culminated in the [...]
UK property investors are planning to increase their portfolio in 2023
New research out by bridging loan financier Finbri shows that over 50% of UK property investors are planning to increase their holdings in 2023. We look at their findings and delve into why experienced buy-to-let investors remain positive about the UK property marketplace. Findings Fibri surveyed over 1,000 property investors [...]
Sweden’s housing market in free fall. Will Britain follow suit?
Sweden's housing market is falling at a very fast rate. It is currently down by 12% and analysts believe believe that it will continue to drop. We take a look at the reasons for this, before asking if will Britain follow a similar fate. Sweden's housing market decline The latest [...]
Curta Operating-system Melhores Jogo
Curta Operating-system Melhores JogosOs Melhores Jogos De Apostas Com Dinheiro RealContentSegurança Sobre Dados E Boas PráticasExiste Mais Interessante Horário Para Jogar No Cassino? RoletaParimatch Cassino -- Conheça Os Accident Games Exclusivos Weil ParimatchBônus Sem DepósitoComo Funciona O Cassino Online? Apostar Em Cassinos Online É Legal Aqui No Brasil? É Seguro [...]
UK property forecast 2023 – correction in the market
As Christmas approaches, this is the time when the major housebuilders, mortgage lenders and property portals give their forecast for the ensuing year. We look at the major players' forecasts for the UK property market in 2023. Unsurprisingly, there is an anticipated correction on the horizon, but the degree of [...]
Security tokens are a rapidly growing market
There is a quiet revolution going on in the crypto market as the industry readies itself for new wave of credible investments in the form of security tokens. In this article we explain how the market is anticipated to evolve. What are security tokens? According to Investopedia, "a security token is [...]
The crypto marketplace will be unrecognisable within 5 years
The crypto marketplace is evolving quickly. As the market matures, we will see crypto become better regulated, with an explosion of asset backed tokens. This trend is likely to be accelerated with governmental intervention as the industry looks to clean up its shaky past. In this article, we take a [...]
How much does a new home save on energy bills?
With the cost of the energy crisis, a home's energy efficiency rating is becoming a more important consideration for homebuyers. We take a look at how much a new home could save homebuyers on their energy bills. We then ask if paying a new home premium is worthwhile from an [...]
Real estate and the immutable nature of the blockchain technology
There is a revolution going on with blockchain technology which will have a huge impact on real estate. The introduction of Smart Contracts and Tokenized Real Estate will completely change the way property is bought and sold. The immutable nature of the blockchain technology is the key to understanding the [...]
The best tips for a property franchise
Setting up a real estate company can be a big commitment. There are a lot of rules and regulations you need to be up-to-date with. One solution is to buy a franchise from an existing business. This way you can get help from an experienced team that is up to [...]
What’s the best pension for property investors?
In recent years there has been an explosion of financial products available to investors. This has resulted in increased flexibility and choice. Today's investors have the luxury of being able to make money in rising and falling markets, as well as having the ability to take advantage of various tax [...]
Is advanced assurance essential for receiving EIS tax benefits?
We take a look at the various venture capital schemes on offer in the UK and explain the process of advanced assurance. We then ask the question is advanced assurance essential for any of these schemes? The government is keen on helping companies young companies to find the equity finance [...]
Exciting plans for Wythenshawe town centre
Following the City Council's purchase of Wythenshawe town centre, the government is asking for local input in its redevelopment plans. Purchase of Wythenshawe town centre On the 17th of October, Manchester City Council confirmed that it has acquired the long term lease. The City Council has purchased this from the [...]
Are Venture Capital Trusts a good investment?
Venture Capital Trusts VCTs are tax efficient funds that allow for investment diversification. They offer investors considerable tax breaks. In this article, we take a look at the benefits on offer and ask the question are VCTs a good investment scheme for qualifying investors? What are Venture Capital Trusts? A [...]
UK banks are building reserves to cope with mortgage crisis
UK banks are building reserves in anticipation of a large number of defaults that are set to hit the UK property market. Interest rates Interest rates have risen considerably this year. Currently, interest rates stand at 2.65%. This represents a rise of 2.55% already, with further rate rises expected soon. [...]
Make sure your tax relief is not clawed back
The Enterprise Investment Scheme and its Seed counterpart offer exceptional tax breaks for qualifying UK investors. Some of these benefits include income tax relief and loss relief as well as tax-free gains. However, these schemes come with caveats. Prospective investors need to make sure that the company's directors follow the [...]
Is venture capital the best asset class?
Many savvy investors consider venture capital to be the best asset class in the marketplace. Yet for some investors, these two simple words incite fear and terror. The mere mention of the name is enough to make them shake in their boots. In this article, we lift the lid on [...]
Have we reached the top of the property market?
According to Rightmove, property prices have edged higher still despite the cost of living crisis that grips the nation. With rising interest rates we ask have we reached the top of the property market? All time high Rightmove the UK's largest property portal have just announced that property has risen [...]
Investors Move Out Of UK Commercial Property
UK commercial property funds are facing a liquidity crisis as investors sell out of these funds following the chancellors mini budget. We take a look at what this means for investors who still hold long positions in commercial property. Mini Budget On the 23rd of last month, the new chancellor [...]
What are Crypto Tokens? And how do they work?
Crypto tokens are a rapidly growing market. As the industry grows many investors will need to familiarise themselves with several new technical terms. Many of these terms can seem interchangeable, but in reality, they can mean different things. In this article, we explain what are crypto tokens and give you [...]
10 reasons why SEIS is the UK’s best investment scheme
The Seed Enterprise Investment Scheme SEIS bridges the funding gap between business start-ups and investors. The scheme achieves this by offering the investor exceptional tax breaks which makes the investment very attractive to UK investors. In this article, we take a look at the key benefits and explain why SEIS [...]
Investor Profiles
To participate in our investment offering you need to be a qualified investor. This means you qualify as either a high net worth investor, a sophisticated investor, or a restricted investor. Below we explain what the criteria is to qualify for each classification. Certified as a ‘high net worth investor’ [...]
The new real estate model
PropTech has the ability to transform how real estate functions. Advances in blockchain technology will reward early adaptors to this emerging technology, as they will be able to better serve their clients by offering them quicker transaction times and lower fees. More importantly, tokenisation will make fractional ownership of real [...]
Why FinTech offers investors a great return.
Fintech is a buzz word in investments circles, yet most investors understand very little about this market sector. In this article we outline the key points on fintech and explain how it can deliver great returns for early stage investors. What is FinTech? FinTech is an abbreviation for financial technology. [...]
Esper Wealth – Meet The Team
Hello and welcome to Esper Wealth. We are a team of entrepreneurs with investment expertise in the private sector. Our team of finance and property experts have worked for decades and know what world-class investments look like. We also know that many of these investments can be out of [...]
Chancellor announces tax breaks in respect to the economy
On Friday 23 September 2022 the chancellor announced tax breaks in an attempt to stimulate the economy due to the cost of living crisis. Most experts are saying this mini budget resulted in the biggest tax breaks given since 1972. We take a look at the key events and ask [...]
Huge Boost to EIS and VCT Sector with the end of the Sunset Clause and increases in SEIS level
The Chancellor confirmed his on-going support for the Enterprise Investment Scheme, Venture Capital Trusts and the Seed Enterprise Investment Scheme by extending the schemes beyond the 2025 Sunset Clause. “We want this country to be an entrepreneurial share owning democracy. The Enterprise Investment Scheme and Venture Capital Trusts, we will [...]
How banks can create money from nothing
Most people have a very limited understanding of how banking actually works. Even many economics undergraduates are still learning outdated models of the banking system. In this article, we give a brief insight into the banking process and explain how banks can create money from nothing. The popular view There [...]
Tokenised real estate the next big thing
Most senior management understands that blockchain technology can revolutionise the majority of industries. We are set to see many assets being tokenised in the next few years. Many astute investors, realise that tokenised real estate will lead the way. In this article, we take a look at how investors can [...]
Equity crowdfunding – A great way to invest?
Crowdfunding has become a very common theme in investing circles. Yet aside from the obvious of investing as part of a crowd, investors know very little about how this rapidly growing market works. In this article, we lift the lid on this important investment sector to explain how crowdfunding works [...]
The investment process explained
We understand that investing can sometimes feel a little daunting, even at the best of times. This is especially true if you are unfamiliar with the investment process, or if you're committing a large sum of funds. You may have feelings of doubt, or apprehension about knowing what to expect [...]
New landlord regulation updates
One of the biggest challenges of being a landlord is keeping up-to-date on new landlord regulation. There are currently over 400 rules and regulations to contend with. To make matters worse these laws are continuously changing. As an example, there were over 50 law changes during Covid alone. Whilst some [...]
The benefits of smart contracts on real estate
Smart contracts and tokens have become buzzwords for many executives across several industries. This applies to the real estate industry as well. The benefits of smart contracts on real estate are huge. Yet many people still know very little about smart contracts. In this article, we take a look at [...]
What is the SEIS scheme?
We take a look at the SEIS scheme and explain how it differs from the Enterprise Investment Scheme for companies and investors. The SEIS scheme stands for Seed Enterprise Investment Scheme. It is commonly referred to as seed investment. The SEIS scheme was introduced in April 2012 to give additional [...]
What is the Enterprise Investment Scheme?
Since its inception in 1994, the Enterprise Investment Scheme has proved to be an astounding success. The scheme has successfully bridged the funding gap between early-stage growth companies and investors by offering significant tax breaks. To date, the scheme has helped raise investment for over 32,965 companies, raising £24 billion [...]
Tokenomics made simple. Understanding the key concepts.
In this article, we look at tokenomics. We explain what its, how it works and why it is important. But before we get to the nitty-gritty of this we need to take a look at money. Only by fully understanding how money works can we begin to understand the importance [...]
Is the bubble about to burst on the UK property market?
Inflation is at a generational high and the Bank of England has raised interest rates again in an attempt to curb inflation. This has caused the cost of living to get tougher yet. With property trading at record multiples of people's earnings, many people are concerned about a correction in [...]
Which home improvements add the most value to your property?
Let's face it since COVID our priorities have changed. For many of us, we would like more space in our homes. But before we all rush off and build a new conservatory maybe we should stop and think about which renovations offer the biggest bang for our hard-earned bucks. In [...]
Manchester’s Property Market is booming. We look at the hotspots.
Manchester has long been the UK's best performing city in terms of house price growth. Even today, house prices are continuing to surge in Manchester and its neighbouring regions. In this article, we take a look at Greater Manchester's property hotspots. Last week we reported that Rightmove showed house prices [...]
Esper Wealth introduces a property learning zone
Esper Wealth is pleased to announce the formation of a learning zone in a quest to improve education about property and investment. This is part of our commitment to giving the best service. As we want all prospective investors to make smart, informed decisions when it comes to planning for [...]
2022 Cryptocurrency market report. Real estate tokens lead the way.
Real estate tokens have delivered excellent returns to investors at the half ways stage of 2022. This is despite most cryptocurrencies recording poor results. In this article we take a look at some of the bigger cryptos and discuss why they have performed poorly this year. We then move on [...]
UK house prices continue to reach new highs
Rightmove has just published its house price index and the UK market continues to rise despite the cost of living crisis. We take a look at the findings of the UK's best used property portal. Who are Rightmove? Unless you don't use a computer or you reside outside of the [...]
Why is tokenomics so important?
If you are thinking about investing money through tokens then you need to pay attention to the tokenomics section to ensure long-term success. Since Bitcoin and Ethereum have hit the mainstream there has been an explosion of coins/tokens that have come to the market all hoping to become the next [...]
The effects of blockchain technology on real estate
In this article, we look at the participants involved when buying or selling real estate. We then analyse how the emergence of blockchain technology is set to change the way real estate is bought and sold. Anyone who has bought or sold a house will testify that it is a [...]
The token revolution and its effect on real estate
The World Economic Forum predicts that within the next 10 years over 10% of the world's GDP will be stored on blockchain, in a process called tokenization. We take a look at how the token revolution will impact real estate. What is Real Estate? Real estate is tangible property. It [...]
Planning performance agreements explained.
We take a look at planning performance agreements and explain what are, how they work and their function. What is a planning performance agreement? In layman's terms, a planning performance agreement (PPA) is typically an agreement that is made between a developer who applies for planning permission and the local [...]
Housing shortage driving dramatic price growth
The UK housing market continues to experience dramatic price growth. UK property is now appreciating at its fastest rate in 18 years. Supply-demand imbalances are credited with the latest surge in prices. Halifax reported that housing prices have continued with their dramatic assent into 2022. With prices already up by [...]
How to invest in property through a pension.
Many investors perceive property as a better investment compared to investing in equities and are unsure of whether to invest in a pension or property to fund retirement. However, there are other options. In this article, we discuss how you can invest in property through your pension to take advantage [...]
Is property better than a pension?
We analyse the common strategies that investors use to buy property for retirement planning. Then we ask the question is property better than a pension? We start this article by taking a look at the most common way of planning for retirement which is a pension. We analyse how effective [...]
Many investors are concerned about the property market
There are reports that investors are growing concerned about the property market. We ask is the property market set for a crash? Over the past month, there have been an increased number of investors and market commentators expressing concerns about the housing market in various corners of the globe. Oceania [...]
Manchester Council set to buy Wythenshawe Shopping Centre
Manchester Council has announced that it is planning to buy Wythenshawe Shopping Centre from St. Modwen as part of its strategy for wider regeneration. The Council announced via its website that it is, "making a strategic acquisition in the heart of Wythenshawe town centre that consolidates its wider land ownership [...]
London a city in decline?
We take a look at the house prices of London over the past six years compared to the rest of the UK and ask is London a city in decline? Slowed growth A recent report by the Evening Standard has shown that property in London has risen slower than any [...]
Stamp duty explained. The key facts.
In this short guide, we take a look at stamp duty and explain what it is and how it works. We then analyse its importance when calculating the real investment return. We hope that after reading you will have a full understanding of this form of property tax. What is [...]
Capital Gains Tax. The basics explained.
We cover all the essentials of capital gain tax so you know what to expect and what to do to minimise this tax obligation. What is capital gains tax? When you make money the government wants it's cut. If you earn money you pay income tax, whilst if you invest [...]
Inheritance tax explained. All you need to know.
In life, you are taxed on what you earn. You are then taxed on what you spend. If you decide to save or invest what is left, you are taxed again. And then when you die if you have managed to accumulate a chunk of money the government will try [...]
Property market shows signs of cooling
UK estate agents have reported a sudden drop-off in inquiries for new homes in May. This is according to a closely watched survey that suggests the housing market shows signs of cooling after a crazy couple of years. The Royal Institution of Chartered Surveyors has published a report saying the [...]
How to avoid emotional investing.
We take a look at emotional investing and explain what you can do to avoid this mindset to improve your investment performance. What is emotional investing? Any investment can be a real emotional rollercoaster even at the best of times. Unfortunately, emotion has proven itself to be one of the [...]
Is Urban Green Manchester the city’s best off-plan development?
Manchester is home to several new property developments. We ask is Urban Green Manchester the best one from an investor's perspective? Manchester Skyline Manchester's skyline is changing. Over the past 20 years, there have been several new developments which have transformed the city centre. In 2018 Deansgate Square South Tower [...]
Sheffield a city on the rise?
Last year Sheffield was the only place in the UK where sellers got above 100% of the asking price. We ask is Sheffield a city on the rise? How did Sheffield Perform in 2021? Recent data from property site GetAgent recorded that Sheffield was on only place where sellers got [...]
Is buying development land a good idea?
Many investors are buying development land for capital appreciation. We take a look at this investment approach as see whether it is a good strategy for making money from the current property boom. What is land development? There are many different definitions for explaining land development. The general consensus is [...]
A summary of needs report explained
A summary of needs is an important part of financial planning. In this post, we explain what it is and how it works, and why it is important. What is a summary of needs? A Summary of needs report looks at where you are today and where you aspire to [...]
Suitability reports explained.
Suitability reports are used as a method to demonstrate that any advice given matches a client's needs. We take a look at how suitability reports work and can be used for property investment. What is financial suitability? Financial suitability is about matching the right product to meet the client's needs [...]
What is an investment review? And is it for me?
We take a look at an investment review and explain what it is, why we offer them, and what you should expect. We cover the benefits and pitfalls of this investment approach. At the end of this article, you should know whether it is something that you could benefit from. [...]
High-net-worth and sophisticated investor profiles.
We take a look at a certified high-net-worth and sophisticated investor classification and explain what it is and how it works for UK investors. What are a high-net-worth and sophisticated investors? In layman's terms, a high-net-worth and a sophisticated investor refer to two sets of people. A high-net-worth investor is [...]
What are HMOs? And how do they work?
We take a look at Houses of Multiple Occupancy and explain how they work from an investor's perspective. What are HMOs? HMOs are an abbreviation for houses of multiple occupation. As an investor, you rent out each room to a separate tenant to acquire more rent than you would of [...]
Property funds and bonds. Part 2
We continue our analysis of property funds and bonds by giving information on how you can benefit from a property without having to buy it directly. Part 2 During the first part of this article, we focused mainly on property funds and explained how they can be used by investors [...]
Property funds and bonds explained.
We look into property funds and bonds to show investors the benefits and pitfalls of investing indirectly through collective investment schemes. This article is split into two parts. In the first part, we analyse property funds. We explain to you what they are, and how they work. We will give [...]
What is commercial property? And should I buy it?
We take a look at UK commercial property, giving information on what it is, and how it works. We explain the benefits and limitations of this asset class from an investor's viewpoint. What is commercial property? Commercial property is defined as any property which is not used for domestic dwellings. [...]
What is the most typical investment property? And is it best for me?
Investment property explained. We take a look at the most common investment property and evaluate how effective it is compared to other types of property investment. Market Overview Property investment is big business. New research from Octane Capital has indicated that there are record levels of privately owned rentals in [...]
Off-plan property. Is it for me?
Off-plan property has its advantages. There’s a lot of upside of buying property in the construction phase. However, it is not without risk. We take a look at the pros and cons of this type of property. What is off-plan property? Off-plan property means purchasing a house or a flat [...]
New build property – is it a good investment?
A new build property can make a great buy-to-let investment. Modern décor, energy efficiency, and new build warranties are just a few reasons why some investors prefer this investment approach. Yet other investors feel better returns can be generated by investing in older properties. In this article, we will outline [...]
Title Deeds Explained – All you need to know
Title deeds are essential for determining ownership of property and land in England and Wales. We explain all you need to know about this important document. What are title deeds? The title deed for your property sets out the tenure (freehold or leasehold), the boundaries and the legal ownership. It [...]
Structural Guarantees. What are they? And how do they work?
Structural guarantees provide peace of mind when buying a new build property as they give insurance against any major problems with your new home. What is a structural guarantee? A structural guarantee is an insurance policy that covers defects in the workmanship, design and materials used in the construction of [...]
House prices reach new highs but growth is expected to slow
Nationwide Building Society has reported a 12.1% rise in UK house prices in the past 12 months. They also predict the rate of increase to slow. The mortgage lender said that the increase in April was lower than in March, and the trend was likely to continue as the cost [...]
The top 10 reasons why you should consider investing in PBSA
Purpose Built Student Accommodation, or PBSA for short, can be a great investment for certain types of investors. We look at the top reasons for investing in this asset class. 1. Higher investment yield PBSA schemes offer in the region of 7-9% yield on your investment. This is usually guaranteed [...]
Is PBSA better than student HMOs for investors?
There is a huge demand for Purpose Built Student Accommodation. But for investors, does PBSA deliver a better investment than Student HMOs? We take a look at both types of student investment to see which of these investments are right for you. What is Purpose Built Student Accommodation? For those [...]
Purpose built student accommodation – a wise investment choice?
What is purpose-built student accommodation (PBSA)? And how does it work? Is it a good investment? We assess the pros and cons of PBSA as an asset class. What is purpose-built student accommodation? Purpose-built student accommodation, or PBSA as it is better known, is property which has been built specifically [...]
Property development finance – frequently asked questions
We take a look at the most common questions asked about property development finance. These questions include lending criteria and the cost of borrowing. How long will a development finance application take? There is no set time period as it will depend on a number of factors. These include: How [...]
Development Finance Explained – the key facts
What is development finance? And how does it work? This article tells you the key facts about project financing and development loans. What is development finance? Property development finance is a type of business finance which is used to fund a residential, commercial or mix-use property development. It's a fairly [...]
Buy To Let Mortgages – the key details explained
Buy-to-let properties are many peoples' go-to investment choice. We take a look at buy-to-let mortgages, explaining key factors such as rental yield, tax implications, conveyancing and more. What is a buy-to-let? A buy-to-let is a property which is bought to rent to a tenant to produce a rental return. Additionally, [...]
Important legal documents to keep for your house purchase
Buying a house can be a long complicated process and it can be easy to forget some of the finer details. We have composed a list of important legal documents for buying a house that you need to have and keep. The first two documents you need are ID and [...]
Completion day explained. A simple guide.
You have exchanged contracts and now you are just about to complete on your property. This is the final step in buying your home. We take a look at what happens on the day of completion and answer some of the questions that people ask about this process. What is [...]
Exchange of contracts explained
When you exchange contracts, you legally commit to buying the property. We take a look at this process and explain what to watch out for. Why do we exchange contracts? Until you exchange contracts, neither the buyer nor the sell has any legal obligation to proceed. This means that either [...]
Privately owned and managed new build estates
This article looks into new build estates and explains the problems of this new housing model. There is an emerging new model for the new build market. This is called new build estates. Yet many stakeholders don't understand it, least of all homeowners and their conveyancers. The emergence of privately [...]
Important questions to ask when buying property off-plan
If you are thinking about buying property off-plan, then make sure you do your research first. In this article, we include some important questions that you should ask the developer before you agree to the purchase. What happens if the developer goes bust? When you buy property off-plan you are [...]
The job your solicitor does for you when buying off-plan
Thinking of buying an off-plan property. This article explains the job of your solicitor in the property purchasing process. When buying property off-plan there are many more things to think about. Your prospective property is not completed. It might not of even started being built. There will be staged payments, [...]
What a property solicitor does and why you should use one
Purchasing a property is a big financial commitment. This article explains what a property solicitor does and why you should use one during the conveyancing process. Solicitors perform searches The primary reason a solicitor is needed when you are purchasing a property is to ensure that all the legal requirements [...]
Ways to attract good tenants. We include a list of useful tips.
There are a number of tactics you can use to attract good tenants. In this short article we look at some easy wins you can implement to better market your property. Background In the last two years, there has been a big change in the way we utilise our homes. [...]
Who provides new build warranties and what do they cover?
New build warranties are an important part of consumer protection when buying a new home. This article explains how you are protected. Many people like the idea of buying a new home. One of the attractions is house builders offer warranties in case things go wrong. However, not everyone fully [...]
Aftercare is the service you receive for your new build home
Aftercare relates to the service and protection you receive once you have completed on your new build property. It is common knowledge that when you buy a new property there can be a couple of issues. This article will help you to better understand which issues need attention and which [...]
King Kong’s Return – New plans for 50 storey Birmingham apartment tower
"Chung Ying Plaza" is a proposed vertical village in the city centre witha King Kong sculpture as its centrepiece. There are plans for a huge new apartment complex reaching 50 storeys in Birmingham, which could see Nicholas Monro's famous King Kong statue making a return to the city. Developer Cordia [...]
Will Romal’s £100m Liverpool Waters scheme go ahead?
There will be a six-day inquiry to determine whether the developer’s 330-home Central Docks scheme can go ahead. This inquiry will begin on 10 May as reported by Place North West. Romal Capital, a property investment firm, wants to create the scheme at Peel L&P’s Liverpool Waters. This scheme has stalled previously, [...]
UK REITs. What are they? And how do they work?
In this article, we look into UK REITs, (Real Estate Investment Trusts) and explain how they work. We also discuss their tax advantages. A Real Estate Investment Trust often abbreviated to REIT is a simple yet effective way to tap into returns from UK property. This includes residential property, commercial [...]
Should I invest in a furniture pack for my investment property?
As a property investor, buying a property is only the start. There are a number of important questions which still need to be addressed. One of them is deciding whether you should furnish your buy-to-let property. Then assuming you do, should you invest in a furniture pack? This article looks [...]
Overseas Investors in UK Property – Effects of the Economic Crime Act
There is new UK legislation imposing strict liability for financial sanctions breaches by companies. We consider the impact of the Act on real estate and overseas investors. Recent legislation introduces unprecedented requirements on foreign owners of UK property. The market for overseas investors in UK property is estimated to be [...]
Should I furnish my investment property?
Many landlords ask the question, should I furnish my investment property? In this article we discuss the pros and cons of doing so. Before you rush out and buy furniture for your property, you should sit back an analyse whether it is a good choice to do so. Two questions [...]
Pro tips on how to furnish your investment property to maximise its yield
This article explains how to furnish your investment property in a cost effective way, to maximise its appeal to potential tenants. One important and often overlooked aspect of investment property is designing a strategy for the décor. Getting the décor and furnishings right for an investment property is crucial, as [...]
What is buy-to-let mortgage interest tax relief? And how does it affect me?
Interest tax relief rules have changed. Some landlords face higher bills. This article explains what the changes could mean for you. What is buy-to-let mortgage interest tax relief? The way landlords must declare their rental income has changed. This means higher tax bills for many. Whilst borrowing money through a buy-to-let [...]
The redevelopment Of Old Trafford could soon be announced
Manchester United could look into the redevelopment of Old Trafford. But how would this impact the local area and the wider community? The proposed redevelopment of Old Trafford includes dramatic plans put forward to rebuild the ground on the current site, as reported by Manchester Evening News. The club have discussed their [...]
World on verge of a new inflationary era, states central bank chief
This global inflation outlook is in contrast with the Bank of England, which estimates inflation will fall next year. The world economy could be on the verge of a new inflationary era with persistently higher growth in consumer prices due to the retreat of globalisation, states Agustín Carstens. Carstens, who [...]
FCA adds to its authorisation roles
The Financial Conduct Authority adds to its authorisation roles with the appointment of two new directors. The FCA has announced that it has promoted Laura Dawes and hired Dominic Cashman to work in two new director of authorisations roles. They will start their new roles in around four weeks. Dawes has [...]
Tax Rates and Useful Tax Links 2022/23
Income tax rates remain the same for personal allowances thresholds for the tax year 2022/23. There are plans to keep these rates until 2025. The table below gives a quick overview of income tax rates and thresholds for employees. Tax Rate2022/23Tax Band Thresholds2021/22Tax Band ThresholdsPersonal allowance: How much income you can [...]
Overseas investors still keen on the UK property market
UK real estate is loved by many overseas investors as it offers high growth and attractive yields, in a politically stable environment. According to the Centre for Public Data, foreign ownership of properties in England and Wales has trebled since 2010 to around 250,000, with 8,500 properties purchased in 2021. [...]
Advantages Of Buying Property Through A Limited Company
There has been an upsurge of people buying property though a limited company. This increase of demand is a result of changes to the mortgage tax relief rules. This is also covered in the article What is buy-to-let mortgage interest tax relief? And how does it affect me? George Osborne introduced [...]
Common Questions About Purchasing Property Through A Limited Company
Many property investors wonder whether it is better to buy property in their own name, or to buy it via a limited company. Here are some commonly asked questions. 1. Is setting up a limited company difficult? And what does it involve? Firstly, you will need to pick a company [...]
Housing Stampede in the Northwest
The Northwest has seen the numbers of available properties to buy at record lows with inventory now at a fraction of pre-pandemic levels. This has resulted in listed properties receiving multiple offers, creating a housing stampede. It was reported in the Liverpool Echo that, "Dawn Quinn was delighted when she finally [...]
Esper Wealth Enters Birmingham Property Market
Esper Wealth has announced that it is expanding operations into the Birmingham property market, with a new developer.Previously Esper wealth has focused exclusively on the Manchester and Liverpool property market. Managing Director Janis Aukstars said "The Birmingham property market is a great area for investors. Property investment opportunities for city [...]
Emerging hotspots in the greater Manchester area
Property hunters have interest in one borough in particular - and homes are in hot demand There are two Greater Manchester area which are proving to be emerging hotspots with estate agents having seen an rapid increase of interest. Purplebricks has recorded a high number of house hunters keen to [...]
Average UK house price exceeds £260,000 for first time
Shortage of homes for sale in February pushes up house price growth for the seventh straight month. With the price growth at 17 year highs. The price of a typical home is about 20% higher than it was in February 2020, shortly before Covid lockdowns started in the UK, Nationwide [...]
The 2022 property forecast
Property has seen considerable growth in the last twelve months and the 2022 property forecast predicts continued growth. The average UK house price rose 8.2% to £272,992 in the 12 months to November, according to Halifax. Track back to the first lockdown in March 2020 and average values have climbed [...]
UK housing market forecast for 2022? Busy, but less frenetic
Rightmove says strong buyer demand will carry into new year but ‘frenzied’ market of Covid pandemic to ease as more owners look to sell The UK housing market is heading for a less frenetic year in 2022, experts say. Photograph: BMD Images/Alamy The UK’s housing market is likely to return to more normal [...]