Property Investment

Property Investment

Whether you are an experienced property investor with a portfolio you want to remortgage, or a newcomer to Property Investment, we have a product for you.

Experienced investors know that property, whether commercial or residential, needs to be held for the medium to long-term to maximise their investment. Property Investment is not for the short-term investor who wants to make money quickly and move on. So property prices – which have been falling and may drop further – are only part of a much bigger picture.

In many ways, there has never been a better time to invest in property. Rents are high and there is good demand for both residential and commercial property.  Importantly, there is no sign of demand declining.

A specialist lender will charge interest rates in the region of 1.75% to 2% above the bank base rate for Property Investment purchases, with interest-only for the entire term if required and repayment terms of up to 25 years to help with cash flow. A longer term can help the rent to cover the repayment to the lender.

The deposit for the purchase may not be as high as you might think and 100% funding can be arranged with suitable extra security.

Residential Investment

If people cannot, or do not wish to, buy a home, renting is the usual alternative. At present, there are more potential tenants than rental properties available.

However, in choosing a residential investment property, it is important to have a property that will be in demand. Houses are a better investment than flats and three-bed houses are more popular than two-bed.

We are currently placing large amounts of new and remortgage finance for:

  • student accommodation
  • houses in multiple occupation (HMOs)
  • DSS clients
  • single people and families.

Commercial Investment

Many large companies own very little or no property for a number of reasons, including the need to guarantee their cost base.

Renting a property, even if rent increases are built in over time, still allows a company to accurately budget their property costs.  As an investor, you can take advantage of this and we have recently arranged finance for:

  • single units in “High Street“ type positions
  • small and large industrial estates
  • units with commercial property below and residential above
  • accommodation for asylum seekers.

To find out more about how we can help you, please contact All Property Finance.