Comments on: John Paul http://www.justdoproperty.co.uk The No 1 portal for Property Investors Fri, 23 Jul 2010 15:53:04 +0100 http://wordpress.org/?v=2.9.2 hourly 1 By: John Paul http://www.justdoproperty.co.uk/just-ask-the-mentor/john-paul/comment-page-1#comment-368 John Paul Mon, 17 May 2010 10:03:00 +0000 http://www.justdoproperty.co.uk/?page_id=899#comment-368 Hi Ken Many thanks for your question. You have a number of avenues you can pursue. 1)as you said phased selling, make the most of CGT relief 2)Look to remortgage on a long term fixed rate. Your LTV is excellent and there will be quite a few favourable rates out there you can choose from 3)Replace your portfolio with more higher yielding properties, such as LHA or HMO’s – This should at least double your gross return. You can either remortgage existing portfolio or sell some properties to do this 4)Sell off part of your portfolio and with the profits, pay off your remaining mortgages. The one thing we have to bank on is that interest rates WILL rise, sooner rather than later so you have to act now. All my portfolio is high yielding, lower end properties so my portfolio will continue to perform well even if the interest rate rise is quite high. This was something I had in mind when I first started. Its all about cash flow for me, so I would choose option 3 or 4 but without knowing the exact financial position and true figures its hard to advise I hope this helps Ken, but if you want to discuss this further please give me a ring Hi Ken

Many thanks for your question.

You have a number of avenues you can pursue.

1)as you said phased selling, make the most of CGT relief
2)Look to remortgage on a long term fixed rate. Your LTV is excellent and there will be quite a few favourable rates out there you can choose from
3)Replace your portfolio with more higher yielding properties, such as LHA or HMO’s – This should at least double your gross return. You can either remortgage existing portfolio or sell some properties to do this
4)Sell off part of your portfolio and with the profits, pay off your remaining mortgages.

The one thing we have to bank on is that interest rates WILL rise, sooner rather than later so you have to act now.

All my portfolio is high yielding, lower end properties so my portfolio will continue to perform well even if the interest rate rise is quite high. This was something I had in mind when I first started. Its all about cash flow for me, so I would choose option 3 or 4 but without knowing the exact financial position and true figures its hard to advise

I hope this helps Ken, but if you want to discuss this further please give me a ring

]]> By: Ken Ward http://www.justdoproperty.co.uk/just-ask-the-mentor/john-paul/comment-page-1#comment-353 Ken Ward Fri, 14 May 2010 17:22:43 +0000 http://www.justdoproperty.co.uk/?page_id=899#comment-353 Hi John Can you help with the following question ? I am a retired investor with an established portfolio providing 5% gross return at 65% LTV. Currently cash flow positive but only due to low interest rates,which we know will not last. What is the best exit strategy ? in order to make the portfolio permanenlty self financing? If phased selling is the only solution ? a proposed increase in CGtax could make things difficult. Thank you and regards Ken Ward Hi John
Can you help with the following question ?
I am a retired investor with an established portfolio providing 5% gross return at 65% LTV.
Currently cash flow positive but only due to low interest rates,which we know will not last.
What is the best exit strategy ? in order to make the portfolio permanenlty self financing?
If phased selling is the only solution ? a proposed increase in CGtax could make things difficult.

Thank you and regards

Ken Ward

]]> By: Carl Hopkins http://www.justdoproperty.co.uk/just-ask-the-mentor/john-paul/comment-page-1#comment-331 Carl Hopkins Sat, 08 May 2010 12:21:23 +0000 http://www.justdoproperty.co.uk/?page_id=899#comment-331 Hello john My PA has put this event in my diary Can you tell me a little more about your business, its reputation in the area and the new centre Also do you manage any of the properties in the Estate I stayed on, Nobel Street etc? Thank you very much Thank you very much Carl Hopkins Hello john
My PA has put this event in my diary
Can you tell me a little more about your business, its reputation in the area and the new centre

Also do you manage any of the properties in the Estate I stayed on, Nobel Street etc?

Thank you very much

Thank you very much

Carl Hopkins

]]> By: Angel Urbina http://www.justdoproperty.co.uk/just-ask-the-mentor/john-paul/comment-page-1#comment-299 Angel Urbina Thu, 06 May 2010 04:16:23 +0000 http://www.justdoproperty.co.uk/?page_id=899#comment-299 Major thankies for the article.Much thanks again. Keep writing. Major thankies for the article.Much thanks again. Keep writing.

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