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The fundamentals of property investing are the nuts and bolts of your business. Ensuring that you have a great team around you will help towards your success. 

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What Have The Recent Tax Hikes Cost The Average Landlord?

At the beginning of the tax year of 2016-17 then Chancellor of the Exchequer George Osborne implemented a 3% hike in stamp duty on houses which are not main residences. A tax mainly effecting landlords which has reportedly raked in over £1.4 Billion, more than double what was expected. Couple this taxation with rising mortgage rates as well as new restrictions on the interest tax relief on them, this is bad news for the net profit of those who buy-to-let. Jeff Djevdet, Director of a ‘we buy any house’ company explores what this means for the average landlord. Firstly, let’s take stock of some of the facts and figures that factor in to what this will be costing those who buy-to-let; According to the Office for National Statistics, the cost of the average property sold in 2016 was around £220,000; up around 50% from the low point of the housing price...
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Ahead of new regulations, 73% of landlords and tenants are not aware of their property’s EPC rating

    73% of landlords/tenants are not aware of their property’s EPC rating 65% aren’t aware that improving their rating could save them money 95% have not measured their EPC rating New research has emerged revealing a number of staggering misconceptions around how Energy Performance Certificate (EPC) ratings can impact a property’s environmental footprint and save a landlord or tenant money. Book your EPC here The poll, commissioned by insurance agency Just Landlords, was conducted strictly with those involved in the UK private rental market, and found that 48% of those asked did not know that upgrading their insulation would improve their EPC rating.  Of those surveyed, less than two thirds, 58%, knew that the condition of windows had an effect on a property’s EPC rating, and 80% didn’t know an EPC rating could be an indication of how environmentally friendly a house is. 30% did not even know that an...
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Seven ages of retirement planning

Research provides insight into the different ages at which people move from one financial phase to another. The division of human life into a series of ages appears to have been a common theme among writers and philosophers through the ages. Indeed, the idea is famously explored in a monologue from Shakespeare’s As You Like It, which compares the world to a stage and catalogues the seven stages of a man's life. Whilst society has advanced somewhat since those words were first put to paper, a similar division can be used to look at the milestones at which people today start to move from one financial ‘age’ to the other. The insurer Aviva asked over-50s who had been proactive in saving for retirement to recall when they started doing so1.  From this it constructed the seven ages of retirement planning (see table below). Starting out Just over a quarter of those questioned said...
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DIY SOS

Recent research shows consumers are increasingly accessing pension drawdown without taking advice.The Financial Conduct Authority says that individuals who access their pension pot flexibly may need extra protection to manage withdrawals effectively, after it emerged that the number of people going without financial advice has risen dramatically.Figures published in the regulator’s July 2017 Retirement Outcomes Review Interim Reportreveal that the proportion of individuals who forgo advice and take a ‘DIY’ approach to managing their pension pot in retirement has risen from 5% to 30% following the introduction of pension freedoms legislation in 2015.Prior to April of that year, savers were faced with restrictions on when and how they could access their pension pot. Consequently, over 90% of pots were used to buy annuities. Today, as a result of the new freedoms, twice as many pots are moving into drawdown than are being used to purchase annuities.1Yet concerns are growing for those who...
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Will you be able to rent out your property next year?

  Were you aware that from April 2018, your property will need to be a minimum EPC rating of E or above to be able to rent it to a tenant?  As a landlord, you are liable to pay a hefty fine if you do not adhere to the regulations.This could affect over 300,000 properties in the private rental sector.   Until 2020, it only applies to new lets but after that it will apply to all rented properties. There are rumours that some green deal initiatives will be coming soon, so keep an eye out for those.So, as a landlord what do you need to do now? Have a look at the EPC register to see what grade your property was rated. Click here to go to the register. Make sure it is less than 10 years old. EPC’s are only valid for 10 years, then you need to have...
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