After years when everything in the property investor’s garden seemed rosy, issues like tax changes, and more rules and regulations – and now Covid-19 – are prompting some investors to consider selling their buy to let property.

But if that’s you …. Wait …. Stop! Here are 8 very important things you must check before putting your buy to let up for sale:

* What’s your motivation for selling?

Is your buy to let actually causing you practical difficulties? Is it actually losing you money? Or is it just a general feeling of despondency at being a landlord that is prompting you to sell?

Whatever it is, know your reason for considering selling up.

* What yield are you getting on your buy to let?

Knowing what your yield is can help put things in context …. you may well find it makes your buy to let more attractive than you thought. Yield percentage can be calculated by dividing the annual rent by the property cost x 100.

The fact is, even pretty low yields are multiple times better than the return even on the best paying savings accounts right now.

* What can you do to improve the situation, or turn things around?

Selling may not be the best answer, and in fact could be the worst. Could you raise the rent to help make things pay better? Could a new tenant be the answer? Could you rent out the property in a different way, eg. as a house share. Are there any ways you could cut costs? Could some professional advice on tax or ownership improve the outlook for your investment?

* Are you guilty of thinking too short term?

Remember, property is a medium-long term investment. By selling now you can miss out on a future, potentially attractive, capital gain.

Governments never last as long as the ideal lifetime of a property investment (15-25 years) so there’s every chance landlord/investor policy could become more favourable again in future.

* Will you be able to sell your buy to let easily, quickly, and an attractive/viable price?

Prices and buyer interest are holding up right now, but there’s no telling how long that might last.

It’s never a good idea to guess or saleability – take advice from a surveyor or estate agent.

* What will you do with the money?

Assuming there’ll be money left over from the sale of course. Is there any other way it could earn you a better return?

You might find this Property Insider report useful: Property over and out? So how else can you make a good return on your money?

* What other plan do you have for securing your financial future?

That’s assuming, of course, that you invested in buy to let – as many investors have – as a pension pot.

Again, explore all the options.

* What will your tax situation be? Is there a risk that an increased tax liability could make you worse off by selling your buy to let, not better? Always find out before you sell … not after!

Whatever you do it’s important not to make a knee jerk decision. Think everything through, do the numbers, and take professional advice if you need it. Think how your decision will play out in both the long and the short term.

Mark Hempshell is Editor-in-Chief of Property Insider.

The post 8 Questions To Ask Before Selling Your Buy To Let first appeared on Property Insider.

As long as demand exceeds supply?

The demand versus supply balance has been a major factor in the housing market over the last few decades. Overall there simply aren’t enough houses to accommodate all the people who want or need one.

In recent years demand has been little less than insatiable. More recently new housebuilding supply has also been considerable. How long both of them will last is very difficult to quantify.

As long as it is cheap to borrow money?

Interest rates have been low for over a decade. They have now reached their lowest ever and are on their way up. Even in the face of high property prices it is still cheaper than ever (almost) to borrow the money to buy however. But anyone can see that borrowing money will only be more expensive over the longer term.

As long as it’s easy to borrow money?

Low interest rates alone don’t dictate whether people can or will borrow money. The ease of doing it, the willingness of lenders to lend and the prudence they practice in doing it are other considerations.

There are several factors to bear in mind here. These include the availability of high LTV mortgages. Many buyers and especially first time buyers rely on these.

Also something that shouldn’t be forgotten is buying incentive schemes such as Help to Buy, now coming to an end.

Stamp Duty in the future

Most people will agree that the Stamp Duty holiday had a lot to do with the crazy market. But, oddly, the crazy market continued even after the Stamp Duty holiday ended.

Medium term there could be permanent reform to Stamp Duty which could impact the market too.

As long as financial support lasts?

In the face of the dire economic consequences of Covid the financial stimulus from the Government kept the property market and the economy moving. The impact that support with energy bills might have on the market shouldn’t be underestimated. It might keep the market going when otherwise it would have hit a dead end.

As long as the spring and summer lasts?

This is often overlooked including by many experts. But it’s a factor that shouldn’t be forgotten. Property markets are traditionally busy when the weather is fair. And traditionally busy in spring and summer so families with children can get moved in before the new school year in September.

As long as market sentiment stays positive?

Very important is buyers’ sentiment regarding the future of the property market. If people feel that prices will continue to rise they are more likely to buy. If people feel that prices will fall they are probably less likely to buy. Or at least less likely to make strong offers.

It’s important to remember that buying a property isn’t always about numbers however. It depends on personal needs and tastes and sometimes even whims. People buy a home and that isn’t always based on rational things. Whether there is positive or negative sentiment has much to do with whether people want or need to move or not. And whether people decide to buy a house.

Probably the most important thing to bear in mind when asking how long this crazy property market will last is that there is not just one factor at play. But a whole host of different factors all working in combination with each other.

If you have any opinions on how long this crazy property market is likely to last feel free to post a comment, or email us with your thoughts. We’d be very glad for you to share your thoughts on the property market with our readers.

The post This Crazy Property Market, How Long Will It Last ? first appeared on Property Insider.

But the fact is buy to let still has all the fundamentals of an effective way to create both an income and a future capital gain …. in the right circumstances. And indeed in some ways has added attractions. It’s just that those fundamentals need to be reconsidered in a different light.

Here we will look at what you should bear in mind when considering your buy to let options in a post-Covid property market.

Current pricing and the importance of value. The current high levels of pricing in some areas poses something of a dilemma for investors. On the one hand, it underlines property’s potential as an excellent investment in the hope of a capital gain. Yet on the other it represents a real risk of overpaying in a potentially very frothy market.

It is always important for investors to seek out value  – but now more than ever.

This report looks at Below Market Value Property: What It Is And How To Buy It

Relearn what you know about yields. Historical low interest rates have also changed what constitutes an acceptable yield – compared to typical 0.5% savings interest 3% looks quite enticing.

However, fast changing pricing alongside changing rental demand has ripped up the rule book on yields. While some areas have seen yields decline other areas – such as parts of London where values have softened – have seen them climb to levels not seen in recent memory.

Would-be investors can search for the best yields countrywide using a tool like Yield Explorer, part of PaTMa’s Property Prospector.

Consider demand …. as ever. Successful buy to let is always about demand, whatever the current market conditions. Covid, alongside resultant factors such as unemployment and business closure which are as yet still unknown, has and will change both levels and patterns of demand in many areas. Yet, whatever the future holds, buy to let will invariably always be viable in areas with strong demand and low supply.

Here’s what you really need to know about demand in buy to let: Making Money In Buy To Let. It’s Really All About …. Demand

Also bear in mind supply:

Supply, and the current supply pipeline. The UK property market has historically been undersupplied, which is part of the reason it has proved a sound investment in recent years. However, through Covid builders have continued to build and developers have continued to develop. While Covid may impact their plans in future there is still substantial new build supply in the market which was largely commenced before Covid hit.

This supply will impact the supply-demand balance for several years to come …. in a market where demand is even harder to predict.

Property types …. what ‘works’ and what no longer works. Covid has focussed tenants’ and buyers’ minds on what is really important in a place to live – and space is very much towards the tops of the list. In fact, space is very much likely to be a genie out of the bottle so far as future property trends are concerned.

In future, tenants are more likely to prioritise space for spending time at home and space for working from home. And that extends to outside space too.

While in the past smaller property types have tended to be more lettable and better yielding large could become more sought after in future – even with higher rents – while small could even be difficult to let in some cases.

Location, location, location. Location has always been important for property investing, but now it has taken on an extra dimension. Rumour has it – yet it is still to some extent a rumour – that workers won’t return to city centre offices (to say nothing of shops) in anything like the pre-Covid numbers.

This means city centre property needs to be a much more considered investment. Suburban property should hold up. Rural property, something traditionally neglected by buy to let investors, could become more sought after.

Regardless of whether city, suburbs or country however micro fundamentals like local amenities, shops and schools and local transport – if not quite so much city commuter links – will continue to be paramount when choosing the location of a buy to let.

The post What To Buy To Let In A Post-Covid World [Tips] first appeared on Property Insider.

The post Can Foreigners Buy Property In The UK? first appeared on Property Insider.

Here’s why: Property bought at under market value offers scope for higher yields, helping to neutralise the impact of the investors’ stamp duty premium and restricted tax allowances. Buying at under market value offers prospects for better capital appreciation in times when forecasts for property price rises are low. In this Insider report we will look at some of the main ways to source good value property, and at what you need to know about each method.

Property bought at auction. Property offered at auction frequently sells for less than comparable property offered for sale by private treaty on the open market.

Important to know: Property sold at auction is not guaranteed to be a ‘bargain’. Competitive bidding may push the sale price close to, or even above, the current open market value. Important to check: What the current open market value of the property is before bidding.

Property suitable for refurbishment. Buying a property for renovation is probably the most well known way of buying at below market value.

Important to know: Property sold as suitable for renovation often attracts additional buyer interest, and elevates the price close to that of similar property in good condition.

Important to check: Cost of purchase + cost of renovation = less than the renovated value of the property. Important to do: Estimate renovation costs accurately.

Property that has scope for extension. Adding space is one of the simplest and most fundamental ways of adding value to a property.

Important to check: What planning consent is required. What the value of the extended property might be. Important to do: Estimate building costs accurately. Important to know: In general terms the cost of extending is similar in all areas but the value added is greater in areas of higher property prices.

Property suitable for development or conversion. For example, converting a house into flats. It could well be that the total value of the developed property in its new use exceeds the value of the original property in its original use.

Important to check: What planning consent is required. What costs are involved. What the value of the converted properties might be. What the value and/or rent of the developed property is likely to be.

Important to do: Estimate conversion costs and other overheads accurately.

Consider the issues that this report raises: Could property development be the new buy to let?

Commercial property for conversion. Commercial properties are frequently significantly cheaper per square metre than residential properties.

Important to know: Commercial property offers the best potential for securing a bargain when it is no longer viable as a commercial property in its existing form.

Important to check: What planning consent is required for conversion. Likely value of the property as a residential property. Important to do: Check suitability of the property as a residential property.

Property bought off plan. Property up for sale off plan, ie. before it has been built can be a way to secure a low price, as developers seek to launch a new development or sell off the last remaining units, at a discount.

Important to know: Property sold off plan is not always sold at a discount – new build property may even be sold at a premium. Important to check: What the open market value of the property is likely to be once completed.

Ex- local authority property. Ex-local authority property often sells for less than comparable privately-owned property nearby. However, likely rents are at a similar level, offering good potential for yields.

Important to check: The letting potential, likely yield and rent of the property. Important to know: Ex-local authority property often has reduced potential for capital appreciation.

Property of non standard construction. Always sells for less than similar property of standard construction, yet the achievable rent will be similar.

This report look at the ins and outs of buying property on non standard construction: Finding value: Investing in properties of non standard construction

Property offered for sale through express estate agencies. Property is sometimes offered at below market value through so-called express estate agencies, ostensibly on the basis that the vendor requires a ‘quick sale’.

Important to check: That the advertised price is actually less than the current open market value. It may be similar, or it may even be higher.

Property in up and coming areas. Some property gurus will advise that buying a property in an up and coming area is the perfect way to secure a property bargain. However, this is something that is always very difficult to call and more so at the moment.

Important to know: Regeneration projects do not automatically result in rising property prices. Areas described as ‘up and coming’ often take a very long time to arrive, and often never do.

Important to check: How property prices in the so-called up and coming area have performed in the past. Important to do: Carefully examine the fundamentals underlying the local market and assess whether they tend to support future price rises or not?

The post Property Insider’s Top 10 Ways To Source Property Bargains first appeared on Property Insider.

First of all let us look at a few fundamentals which underpin the buy to let market:

* Interest rates. Have always been a key driver in the property market. But it looks as though investors will be able to enjoy a low interest rate environment, though not necessarily quite so low as today, for at least the next decade.

So cheap investment money is here to stay – for those who can access it.

* Landlord legislation …. and taxation. After a regime of limited regulation and favourable taxation over the last couple of decades landlords now seem to be faced with a much less favourable climate.

Investors will need to watch what the politicians are doing very carefully. How far can policies that are unfavourable to investment go on before the supply of rental accommodation starts to be seriously affected?

*Demand for rental property. Will keep on growing as the population rises. London and the south east will bear the brunt. London’s current 8.3m population is expected to grow to 9.4m by 2022, and will still keep on rising fast.

Ongoing levels of migration are going to be key here, with the UK’s future outside the EU the key issue here.

* Supply of property. Bound to become even tighter. Governments might promise more housebuilding but new homes need new building land, developers willing to pursue and finance schemes …. and sell them at a price people can afford to pay. That won’t be easy, especially in locations where demand is highest.

The build to rent (BTR) sector needs to be considered here. Some cities are seeing significant BTR development.

* Property prices. Pretty much every forecast out there says that house prices will continue to rise. A rough forecast-of-forecast seems to suggest prices will be on average 20% higher in high-demand areas including the south east, and 10% elsewhere, by 2025. In the process the supply-demand balance will worsen.

So what does Property Insider guess, and it is only a guess, the UK buy to let market will be like in ten years time?

* There will still be even stronger demand for property to rent than now. Much is said about ‘generation rent’ – people who only rent because they can’t afford to buy. But even if you take those people out of the equation demand is still huge from low income workers, migration, transient workers and of course students.

Landlords who are still in the market in 2025 won’t have any difficulty finding tenants.

* Rent increases will be a tricky one to forecast. Rent levels in 2025 will be strongly linked to what the economy is doing by then. Wage rises, especially in the public sector, are likely to be limited …. together with social security benefit rises. But what impact will the new ‘more generous’ national minimum wage have on how much rent tenants are willing to pay?

* Property prices will rise as supply becomes tighter, even if house building accelerates and as a result it won’t be possible to return a good yield on just any property. Landlords will need to invest more selectively to ensure a good yield.

* The regulatory and taxation burdens of running a rental property will be significantly higher than today. Extra costs will be partly covered by increased rents, but probably not entirely. Landlords will need to monitor their profit margins carefully.

* There will probably be fewer landlords overall. Accidental and casual landlords will exit the market (maybe even leaving their properties empty and reducing the supply of rental property). The landlords who remain will have the opportunity to own more properties and benefit from economies of scale.

By 2025 Insider thinks that the buy to let market will be very much alive and kicking. But landlords who are in the buy to let market in 2025 will need to be better informed, better advised, more creative and more professional than today. They will need to look at different ways of making money from their property – and adding value – other than just the standard family or professional let, and be more efficient. Those who rise to the challenge and see letting as a business and not a sideline or just a way of saving for a pension will be best placed to succeed.

The post Where Will Buy To Let Be In Ten Years Time ? first appeared on Property Insider.

But then the property business has always been challenging. Over the last few years, property has perhaps been a bit too easy …. something of an artificial situation …. where making money in property has been almost as easy as falling off the proverbial log. Let’s be honest that’s not how things work in the real world. Property is a business, and any worthwhile business calls for time and effort if it is to succeed.

For some investors, the future could even offer more opportunities in buy to let, not fewer.

In the future ….

Being frank now, property still has a lot going for it as an investment. The savings interest rate isn’t going to rise much, if at all, for years. Unless someone else is footing the bill, pensions aren’t all that attractive as an alternative way to save for the future.

Take a look at this report in which we review the alternatives to property investment.

Here are some other tips that might help you survive and thrive in property in 2019 and beyond:

Brexit. In reality Brexit is only likely to affect the market in the short term. In any case, the impact won’t necessarily be negative for investors. Look out for any economic stimulus measures intended to support or boost the economy, which may have a positive impact for investors.

Cash buyers will increasingly have the upper hand. Something of an odd situation in a climate where borrowed money is so cheap. They won’t be affected by the restrictions on mortgage interest relief.

Highly geared investors are likely to come under pressure – and perhaps should look at how (and even if) they might restructure their portfolios.

It’s important to be really selective about what you invest in. Unlike the ‘golden days’ of buy to let when pretty much any property was profitable in 2019 and beyond only well chosen, well located buy to let properties will be profitable.

Yield is still important. But it’s only part of the story. Low yielding properties can still be lucrative if there are good prospects for capital appreciation …. and if they’re well managed. In the past, investors nearly always invested for capital appreciation and as a ‘safe haven’ for their money.

Be on the look out for risk factors, which could make a buy to let marginal …. or even unviable. These include: Properties in high priced areas. Types of property and areas with slow demand. Areas with too much supply of rental property – watch for competition from large scale new developments including build to let.

Buy at under market value …. or even less. As long standing investors know most of your profit is (or should be) made when you buy not when you sell.

Auctions will become more and more useful to investors looking to pick up keenly priced property. And ex-local authority or property of non-standard construction are most easily available at below market value

Look for opportunities to add value. Renovating a property, or extending it, to provide more lettable accommodation, or accommodation that will produce a higher rent (as well as add capital value), is well worth considering.

Remember, this is exactly what investors used to do to make money, before buy to let became the ‘easy’ option.

Look for opportunities to maximise yield. This is most easily done by looking for buy to let opportunities other than a single family or professional buy to let. Letting shared accommodation is one way of doing this. Student property is another type of property that offers higher yields.

Other action to take …. to ensure buy to let success in 2019 and beyond:

* Prepare and plan. Know what challenges buy to let faces, and how you will deal with them. Have a plan of action.

* Arrange your financial and tax affairs efficiently. Take professional advice where needed.

* Look at whether you should raise your rents. The ban on agency fees could see rents rising across the board, making this a very straightforward option. Tenants aren’t keen on rent rises but, as the price of everything else rises, expect to have to pay more.

* Control your costs, including maintenance and management.

Consider if self management might be right for you, to save money on agency and management fees.

* Should you actually expand your investments? Owning more properties, not fewer, could allow you to benefit from economies of scale …. including potentially more tax efficient structures such as owning through a limited company.

Oddly enough, landlords with larger portfolios are likely to be in a much better position to succeed than single property ‘pension pot’ or accidental landlords.

Above all, be positive! Doom and gloom type thinking tends to become a self-fulfilling prophecy. The property and the investment markets are changing. And, as with anything else, those who see the opportunity in change usually do best.

In property it is very much a case of as one (buy to let) door closes another door opens!

Mark Hempshell is Editor in Chief of Property Insider.

The post Making Money In Property In 2019 …. How You Can Survive & Thrive As A Landlord first appeared on Property Insider.

As a first time property investor there are a lot of things to think about – not only actually finding the perfect investment property. In this report we’ll look at some of the most important things you’ll need as a first time property investor:

1.A mortgage

Interest rates might be low right now, but it’s still important to shop around for a mortgage that will best suit your needs both now and into the future.

It’s important to bear in mind that, unless you’re an established investor, this will normally be based on your income, not the income generated by the property. There will be other conditions too, such as what type of property the lender will lend on and how much money they will lend you in relation to the value of the property (known as loan to value or LTV).

2.A budget for buying and set-up costs

You’re probably focussed on the price of your property but there are some other expenses to budget for too.

The main expense is Stamp Duty, or Stamp Duty Land Tax to give it its official name. Bear in mind that you might be able to save on Stamp Duty by buying under the current threshold limits.

Other costs you’ll need to budget for include: Mortgage application fees (charged by some lenders), conveyancing fees and a survey (see later), buildings insurance. A budget to cover any refurbishment needed, or furnishings you will be providing. Agency or marketing fees needed to find a tenant.

3.Legal advice

Here’s what your solicitor or conveyancer will do:

* Check that the seller owns the property and that any existing mortgages on it (or charges as they are known) will be paid off.

* Check the title deeds, for any restrictions on what you can do with the property (occasionally this might include letting!). These are known as covenants.

* Undertake local searches with the local authority. This will reveal if any planning applications or new developments might affect the property.

* Confirm what service charges or ground rent might be payable, if any.

* Check the contract of sale drawn up by the seller’s conveyancer or solicitor.

* Accept the mortgage funds from your lender and transfer them to the seller.

* Register ownership of the property in your name at the Land Registry.

4.A survey

There are three main types of survey to consider. Take advice from a surveyor on what type of survey would best suit your needs.

* A Property Valuation tells you the current market value of the property (which may not be the same as the asking price). Your lender will want to see this and will base their final mortgage offer on it.

* A Home Buyer Report. This will tell you about the overall condition of the property and any obvious defects it has. Your lender won’t expect to see this, but you may find it helpful.

* A Building Survey. This might be needed if you’re concerned your investment property might have structural problems.

5.Financial advice

Last but definitely not least (in fact you should probably do this first), it’s highly advisable to take advice from an account or tax adviser on the tax implications of making a property investment. Also, the best way to make your investment as tax efficient as possible based on your personal and financial circumstances.

In view of recent income tax changes there can be advantages (as well as disadvantages) of setting up a limited company to buy your investment property. But this is something you really need to take professional advice on

If you’ve found this first time property investor checklist useful, you’ll find lots more useful reports on Property Insider.

The post Property Investment: A Guide For First Time Property Investors first appeared on Property Insider.

2.You’ll have to take on more debt. As a nation we’re head over heels in debt. Then again taking on debt to buy property is a whole lot better than debt on a credit card or to buy a car. Debt on property, capital plus interest too, is almost always covered by the rise in property values over the years.

3.You’ll make a regular income each and every month. All without taking on another job. It hardly seems fair or moral, so maybe you shouldn’t do it.

4.You’ll have to pay more tax. A depressing thought yes, that all takes the shine off the fact that you’re making more money.

5.You’ll probably have to deal with annoying problems at awkward times. Like a broken toilet on a Sunday evening. Let’s be honest though, in the league table of life’s problems problems like that hardly rank anywhere.

6.You might have to deal with tenants. Yes real people. And that would never do. (If you really can’t face the idea, there are lots and lots of letting agents who’ll do it for you – for a small consideration of course.)

7.You might find that your investment not only keeps pace with inflation, but outpaces it. A novel concept indeed, especially when you compare property with other ‘investments’ like cash savings and many stocks and shares.

8.Right now, it seems that the government doesn’t seem to want you to invest in property anymore.

If there’s ever a reason to keep on investing in property – making a sensible choice of property investments and buying at the right price – this really must be it.

What’s so good about investing in property that they don’t want ordinary people to do it?

The post 8 Reasons To STOP Investing In Property Now first appeared on Property Insider.

But supposing, just supposing, property investing was no longer viable as a way to make money what other ways (legal ways we mean) are there that could make you a return on your money that is equal to, or better than, property?

Let’s look at a few alternatives to property investing which you might want to consider:

Gambling. Seriously now, the number of people who gamble as a money making venture, or at least aim to, has risen over recent years. It’s no longer thought of as a ‘bit of fun’, there are now professional gamblers who regard it as a serious money making enterprise. The rise of online betting exchanges  – such as Betfair – which allow customers to set their own odds is probably partly responsible for this. As is the possibility of betting on a wide range of outcomes, not just the horses and not even just sport.

It probably depends on whether gambling is for you, of course, added to the fact that (unlike property) it can be highly addictive. However by and large professional gamblers who do return a profit in the long term will tell you that they operate by making small, regular returns from their betting.

Stock market investing. This isn’t new of course. And let’s be honest …. this is what a lot of investors did with their money before property investing became easier and potentially more rewarding.

If anything, stocks and shares probably come a close second to property if you are looking for a kind of investment that can produce both an income and a capital gain for the future.

Unless, however, you’re willing to entrust your money to some kind of fund stock market investing calls for a lot of regular time commitment, and skill, if you’re to play the markets successfully …. at the end of the day probably much more than a buy to let investment.

Plus, low interest rates are at least partly responsible for boosting stock market returns in recent years. As interest rates rise this could change.

Spread betting is another alternative you might consider, and is something else that has risen in popularity in recent years.

Spread betting is a derivatives product that allows you to speculate on the movement of the financial markets, and one which offers returns in both bad times for those markets, as well as good. It’s probably best thought of as something that combines the ‘thrills and spills’ of both gambling and the stock market – but alongside the undoubted potential for high thrills is also the potential for very serious spills.

Peer to peer lending. This is another investment possibility, which has grown fast since the financial crisis and in the current era of low interest rates. Peer to peer lending allows you to lend money directly to borrowers, both individual borrowers and companies – normally through a peer to peer lending platform, and receive a higher rate of return than standard savings accounts.

Currently returns of anywhere between 3% to 11% are offered by peer to peer lenders.

There is a price to pay though: There’s a risk of borrower default. Deposits aren’t covered by the FSCS. However, possible returns at the upper end of the scale (say 8%+) are in excess of what some buy to let investments currently offer …. and for much less time and effort.

Unlike most property alternatives, however, this method is only really an option if you have cash available to lend. Unlike property you can’t leverage your position using mortgage finance.

Starting a business. If you’re looking to make a regular income and, potentially, a good capital return in the long term then you probably shouldn’t rule out starting some kind of business.

Running a business can offer a yield that is comparable if not better than a buy to let property – with the scope to leverage your return with loans which other property alternatives do not offer. Plus there could be the added advantage of tax advantages and allowances which, apparently, property investors and landlords aren’t deserving of anymore.

The main question with starting a business is, of course…. what business could you start? Like property it’s likely to be a long term proposition too, and is also likely to take more time and commitment than a relatively hands off buy to let.

So, if you’re inclined towards the opinion that it’s over and out for property. If you feel that you shouldn’t be investing in property now, or perhaps that you should be divesting yourself of your property investments then it could be worth giving the alternatives some thought. Although there are certainly alternatives out there for making a good return on your property and they do have their advantages they have lots of disadvantages too.

Even today, with the extra stamp duty, reduced tax allowances, and additional rules and regulations to deal with we think you’ll agree that property still stacks up very well as a place for your money.

Property Insider Editorial by Mark Hempshell, Editor in Chief 

The post Property over and out? So how else can you make a good return on your money? first appeared on Property Insider.