PROPERTY INVESTMENT WITH BONDTILLI
Bondtilli property investment UK company is dedicated to helping our clients from all around the world invest most effectively in the property market of the UK. From the highest yielding property deals to the property investment courses, and the one to one mentorship on property investment, Bondtilli property investment company can help anyone and everyone build and manage their portfolio, as well as save them time and money on every property that they buy.
THE CITY OF LONDON VS THE NORTHERN POWERHOUSE GUIDE
– The North and South Divide
– Property Investment in The City of London
– The Housing Market of The City of London
– Investing in Property in The Northern Powerhouse Region
– The Short History of The Regions
– The Housing Market of The Regions
– The Population Trends
The divide between the North and the South regions of the United Kingdom is something that has been recognised all throughout the history of the country.
There are distinct economic, social, and cultural differences between these two regions, all of which contribute to every element and aspect of life.
As an example, down in the South region of the United Kingdom, average incomes are generally higher, the unemployment rates are lower, and even the average life expectancy is significantly higher than for the people in the North region of the United Kingdom.
The one element that the North region of the United Kingdom holds in its favour, however, is the property and housing market in particular, with a number of property investors shifting their focus from the city of London and up to the North region of the country.
Let us take a look at the state of the property and housing market in particular within the cities that belong to the Northern Powerhouse in comparison to the city of London, and work out which area provides the best returns when it comes to property investment.
STUDENT ACCOMMODATION PROPERTY INVESTMENT
Many halls of residences which are provided by the universities are unable to provide the standards that students may be used to receive at home, so new students are able to take advantage of the delayed tuition fee repayment and put their money towards a better quality of living.
Now, with approximately four hundred and ninety-three thousand students placed for the academic year of 2016/17 according to the data published by the UCAS – the Universities and Colleges Admissions Service – the demand is skyrocketing, which makes this market as attractive to the investors as it has ever been.
The demand for purpose-built student accommodation property is rising all across the United Kingdom and the universities have handed over the responsibility of their housing services to the management companies in the private sector.
With a record number of students being placed for the higher education in the 2016 / 2017 academic year, the investors are leaping at the chance to invest in the student property market of the United Kingdom.
BUY TO LET PROPERTY INVESTMENT
The interest rates that banks are now offering are rather disappointing and would not serve someone who wishes to grow their capital well, and the returns that Blue chip defensive stock offers are no better.
There are some other investment options on the market that offer higher returns. These, however, usually also carry with them a significant amount of risk.
Stability of the market has been one of the main contributors to the global popularity of the UK property as a lucrative investment asset.
Regardless of new regulations and additional rules that have been introduced to the market over the recent couple of years, such as additional stamp duty, the UK property market remains a rather profitable market to invest in.
For investors who are concerned with the recent increase in the stamp duty and the ways in which it can affect the profitability of various investment properties, commercial property investment options such as retirment homes and student property investments are something to be considered.
Are commercial investments, which are generally low entry, a viable alternative for those individuals who, perhaps due to the fears surrounding Brexit, do not currently feel comfortable investing much capital in the UK property?
As a result of credit crunch, many UK property developers experienced withdrawals of funding between the years 2008 and 2010.
– Mortgage lenders simply pulled their funding and took ownership of the developments.
As a result of this, many UK property developers lost millions of Pounds, which has in turn made them cautious about working with lenders and, consequentially, more open to alternative methods of finance.
Other obstacles that the UK property developers have faced include the fact that the costs of property developments have been going up.
This increase in the property construction costs has been a result of a number of different factors.
– After Brexit building materials have become more expensive for Britain to import, the Pound has fallen, and the costs of labour have also increased.
OFF-PLAN PROPERTY INVESTMENTS
“A plot of land or ruin’ was the original way to purchase off plan properties. It basically comes down to purchasing an empty plot of land and creating something upon it with your architect, and then submitting it to the local municipality and waiting for the approvals.
This is, obviously, significantly more daunting of a process than the previous two mentioned.
There are numerous other factors involved here as well.
It is, however, worth noting that this way still seems to be the most rewarding one for most of investors / our clients, both financially and mentally, even though it does require a grand vision and a lot of patience.
Same goes for individual or stand alone properties.
When it comes to stand alone properties, one advantage in particular includes that the investor can usually choose to change the finishings to better suit their taste.
The fundamentals of the project, however, will have to remain the same.
LOAN NOTE INVESTMENTS
While the traditional / physical buy to let property investment provides the investors with a chance to seek out greater returns by capitalising on the investment assets that are priced below the market value, which come with favourable lending rates, as well as with a continual under-supply, the rates of returns remain uncertain.
Just as the fluctuations in the property market can bring about the rises of the rental returns and values of property, they are just as susceptible to bringing about the declines.
By comparison, the loan notes investment offers a fixed rate of return, which is agreed upon via contract that is signed before the investment is even made.
As an example, one secured loan notes investment may provide the investor with a fixed return that starts at twelve percent – in addition to annual bonuses – for the entire length of the given investment term – with the potential to earn up to twenty two percent in returns per year.
HOTEL ROOM INVESTMENT
The niche investment assets such as the hotel rooms have become increasingly popular throughout the recent years, owing to the higher returns that they can achieve and offer as well as the chance they provide for the investors to diversify their portfolio.
These two are the major reasons as to why this type of property investment is becoming such a big hit.
According to a report published by Savills, there were eight point one billion Pounds worth of hotel room transactions in the United Kingdom in the year of 2015, which represents a significant increase from the six point one billion Pounds worth of transactions of hotel rooms that had taken place in the United Kingdom the year prior.
Many property investors see investments into the hotel rooms as an excellent alternative buy to let property investment opportunity that brings diversity into their portfolio in addition to providing the returns that can be significantly better than other, more mainstream, property investments.
COMMERCIAL PROPERTY INVESTMENT
Commercial property investments have become increasingly popular in the UK over the recent years. As a result of this, numerous platforms, such as LendInvest for example, have sprung up.
These new platforms have allowed property investors in the UK to lend directly to borrows and vice-versa, and have cut out the middle man.
These platforms have allowed capital to be gathered together in one place from many investors simultaneously. The investors, in turn, receive a fixed return per loan instead of just a share of the net profits.
Thus, the investment is secured against the property, in effect a backed credit agreement using the equity in the property which is owned by the borrower.
These types of commercial investments, such as crowdfunding, are best suited for those investors who do not want to get mortgage, do not want to invest as much capital, or simply want to spread their risk across the field rather than focusing it all in one place by investing with multiple different developers in various projects and regions.
Office spaces are available to everyone, and they attract freelancers and entrepreneurs from all fields of business and all walks of life.
Additionally, working in such close proximity to a wide range of other professionals can be hugely advantageous for everyone.
The opportunity to make mutually beneficial connections with other professionals from within your field and beyond is priceless, and it is one of the main appeals of office space.
Today, office space in the UK means that people who work there also have access to health and well-being classes, for example, and can take up courses that can help them along with their career.
Today, office space in the UK does not only provide the people who work there with the necessary help to perform their job at the highest standards, it also provides the individuals with the means to enhance their lives outside of their professional career.
The office spaces in the UK will en-capsule all aspects of people’s lives, not just their jobs.
All the analysis of the UK’s population trends predict huge imbalance in the number of people older than sixty five in the near future.
To be more specific, the numbers of that specific demographic are projected to rise by twelve percent between years 2015 and 2020.
With the UK’s population of those older than sixty five consistently growing, the current shortage of retirement homes in the UK creates numerous lucrative investment opportunities, and we are of the opinion that potential investors should know about what those are.
The demand for retirement villages and care homes in continuously growing in the UK, and the government has proved itself unable to meet it at its full growth rate.
The number of centenarians in the UK is projected to increase by more than six-fold over the next twenty five years, and the population trend analysis predict that, by that time, one in twelve people in the UK will be over eighty years old.
Many different factors contribute to this population trend in the UK, but the major two are:
– The so-called “baby boomer” generation starting to reach old age, and
– People in general are beginning to live much longer thanks to the constant improvements and advancements made in medical science and medical care.
FEATURED PROPERTY INVESTMENTS
The cities that belong to the Norther Powerhouse region, such as the city of Liverpool, the city of Manchester, and the city of Leeds, are all gaining momentum rather quickly as property investment hotspots and the best locations to purchase buy to let property in the United Kingdom.
The North region of the United kingdom has come a long way from where it was e a few decades ago, back when the towns and the cities of the North of the United Kingdom had faced great economic difficulties, while the more affluent South region of the country had thrived in comparison.
The economic power of the city of London has been noted ever since the 19th century, and by the nineteen eighties this divide between the North and the South regions of the United Kingdom had become one of the biggest political issues for the country.
With an average price of a property of six hundred and seventy one thousand four hundred and twelve Pounds in the year of 2018, which is also rising each year, with the decrease of the rental prices, and with some of the lowest rental yields that can be found in the country at the moment, it should come as no surprise that people are starting to look elsewhere for their buy to let property investment ventures.
The rental yields in the city of London average at around three point seven percent which leaves hardly any potential for worthwhile returns when paired with the prices of property in the capitol.
The more affordable boroughs of the city of London are experiencing the highest volumes of demand for property, suggesting that decreasing numbers of people in the city of London are prepared and / or willing to pay the high rental costs which are needed for a decent return on the investment.
With the overall demand for property in the city of London having dropped to just around twenty seven percent in the year of 2018, the prospects are not looking good for property investors in the capitol of the United Kingdom.
However, it is not all doom and gloom when it comes to the property market of the city of London. – With a number of the neighbourhoods of the capitol city having been predicted to offer some promising future investment options.
The Croydon district, the Earls Court district, the Canary Wharf district are just some of a number of areas within the capitol city which have been estimated to grow by 2020, with the increase in the rental yields in the city of London which mimic those in the other cities of the United Kingdom.
Investment into the Northern Powerhouse region of the United Kingdom has never been stronger.
The crucial cities of the Northern Powerhouse region, the city of Manchester and the city of Liverpool, all offer some amazing rental yields and pose significant potential for those investors who are keen on investing in some of the best buy to let property investment areas.
While the cities of the North region of the United Kingdom have been deemed far less favourable in comparison to the cities of the South region of the United Kingdom, like the city of London, for a long time now, in actuality, the city of Liverpool and the city of Manchester are now some of the most dynamic and prosperous cities in the country.
The city of Liverpool and the city of Manchester have everything that an investor or a tenant might need in a city.
Why Invest in The City of Birmingham?
The best buy to let property market investment locations tend to be the places which have a decent amount of student population and this is one area in which the city of Birmingham comes on top of the game.
The city of Birmingham is home to five considerable universities – The Aston University, The Newman University, the University College Birmingham, the University of Birmingham, and the Birmingham City University.
In addition to all of these the University of Law and the BPP University both have a major presence in the city of Birmingham and this Northern city is also the regional base for the Open University.
This means that the demand for student rental accommodation property is ever existing and always high, creating lucrative investment opportunities in the student property market sector in the city of Birmingham.
Why Invest in The City of Bradford?
The Bradford International Film Festival and the National Media Museum both benefit from the prestige that this recognition generate and, with it, they attract tourists in numbers that exceed thousands.
The city of Bradford is also home to the head offices of some of the largest companies that are present in the United Kingdom.
Bondtilli offers a wide range of properties for sale in the city centre of Bradford. The prices of property for our Bradford properties start from as little as fifty-five thousand Pounds for a studio apartment.
– It should be easy to see why the city of Bradford has proven to be one of the most popular destinations for property investors so far in the year 2016.
Why Invest in The City of Halifax?
The city of Halifax has twenty-four hundred textile manufacturing jobs, even today, and another ninety-four hundred jobs in other textile and clothing related industries such as – chemicals, retail, distribution, etc. – including companies such as – the Marks and Spencer, the Christeyns, the Freemans Grattan, and the Damartex, among others.
The city of Halifax is a centre for digital technologies as it is home to well-renowned companies in the industry such as – the Pace -, who is the number one design and manufacturing company of digital set-top boxes in the world, and – the Radio Design -, who is an award-winning world-leader in wireless telecommunications product design. The term “World Wide Web” has first been used in a journal that has been published by Emerald, a publishing company based in the city of Halifax.
Why Invest in The City of Liverpool?
As is the case with other cities of the North West region of the United Kingdom, such as the city of Manchester and the city of Birmingham, the local authorities of the city of Liverpool are more than eager to maintain the affordability of the city and are thereby encouraging appropriate and sustainable house-building and property development projects.
What this means is that investors are generally presented with plenty of options to purchase an off-plan buy to let property in the city of Liverpool, as well as a selection of newly built and resale properties to invest in.
As with many cities of the North region of the United Kingdom, the city of Liverpool and its property market is fairly fast-paced so it is generally quite straight forward for the investors who are looking to expand their portfolios, or for those who wish to exit their investment. There is no shortage of interest for buy to let property in the city of Liverpool.
Why Invest in The City of London?
The three per cent increase on the Stamp Duty came into effect on the 1st of April in 2016. It had been, however, previously announced in the Autumn Budget for 2015 by George Osborne.
This change in the Stamp Duty charge has come as a massive blow to buy to let landlords and investors in the UK. Many have understandably thought that it would dampen the spirit of the existing and prospective property investors in the UK and that it would discourage people from pursuing property investment in the UK.
In this series of articles, we explore alternative options that can reduce the impact of the increase of the Stamp Duty charge.
Even though the recent increase in the Stamp Duty has made some investors think twice before investing in property in the UK, it did not need to. There are numerous ways in which the property investors can work around the Stamp Duty in order to minimise its effects.
Why Invest in The City of Newcastle?
With a nearly endless supply of students, the high net rental yields, and three considerable universities, the student property market in the city of Newcastle is more than worth investing in for any savvy investor, regardless where they are from – the United Kingdom or anywhere in the world.
While the links between the city of Newcastle and its industrial past have weakened during the early 20th century, the city itself has become a central hub of the North East region of the United Kingdom – commercially and educationally.
A considerable number of shopping centres that are present here today make the city of Newcastle one of the most diverse retail locations in the United Kingdom in comparison to its city population.
Why Invest in The City of Preston?
As is the case with other cities of the North West region of the United Kingdom, such as the city of Manchester and the city of Birmingham, the local authorities of the city of Preston are more than eager to maintain the affordability of the city and are thereby encouraging appropriate and sustainable house-building and property development projects.
What this means is that investors are generally presented with plenty of options to purchase an off-plan buy to let property in the city of Preston, as well as a selection of newly built and resale properties to invest in.
As with many cities of the North region of the United Kingdom, the city of Preston and its property market is fairly fast-paced so it is generally quite straight forward for the investors who are looking to expand their portfolios, or for those who wish to exit their investment. There is no shortage of interest for buy to let property in the city of Preston.
Why Invest in The City of Sheffield?
The rolling hills, the breath-taking cliffs, and the heather-covered moorlands are what makes the city of Sheffield an ideal city for those who love nature and outdoors.
The awe-inspiring Winter Garden is one of the largest glasshouses on the European continent, and it has created a wonderful green oasis in the heart of the city centre of Sheffield.
The Peace Gardens, on the other hand, with its fountains and other marvelous water features, as well as the Botanical Gardens which dates back to the year of 1836. both also provide unique and pleasant green and lush additions to the city of Sheffield.
The city centre of Sheffield can also serve as yet another great example of the blend of the old and the new which is what characterises a British city as enormous modern department stores sit next to red brick Victorian buildings.
The city of Sheffield has also recently experienced a significant increase in the number of tourists who are visiting the city, as the reputation of the city of Sheffield for its cutting edge culture sitting alongside tranquil countryside spreads across the country and the world.
The housing market is one of the areas which had been affected by the Thatcherism which had taken place back in the nineteen eighties.
In the nineteen seventies, the average price of a house across the United Kingdom stood at around forty nine hundred and seventy five Pounds, but by the nineteen eighties, the prices of property had risen drastically.
During this era, the prices of houses had reached the record highs of thirty nine thousand and five hundred Pounds, then had almost doubled by the nineteen nineties to sixty thousand Pounds.
The volume of new housing property developments being built during the nineteen eighties was considerably low, as the greatest part of the focus had lied on the regeneration of the existing buildings and the conversion of the run down areas, such as the docks of the city of Liverpool.
In the North region of the United Kingdom, the prices of housing properties have always been significantly lower than in the South region of the country.
One may wonder, however, what happens with those investors who do not wish to wait for the highest rental yields in the United Kingdom.
FEATURED STUDENT ACCOMMODATION INVESTMENTS
In the North region of the United Kingdom, the prices of housing properties have always been significantly lower than in the South region of the country.
While the average price of a property in the year of 1995 stood at around nineteen thousand Pounds in the city of London, the affluent L19 postcode of the city of Liverpool was just more than the half of the same figure, at just forty three thousand Pounds, in the same year.
That is not to say, however, that the city of Liverpool has not always had the potential for the return of investment, with the properties in the same areas reaching highs of two hundred and seventy eight thousand four hundred and ninety five Pounds by the year of 2015.
Over the recent years, however, the city of London has somewhat lost its appeal as a city to invest in property in, particularly for those investors who are seeking the best locations for buy to let property investment.
The city of Liverpool and the city of Manchester have everything that an investor or a tenant might need in a city. – From beautiful architecture, rich culture, well renowned universities, exciting business opportunities, brilliant attractions, and local amenities, the North region of the United Kingdom has come a long way since the days of its economic turmoil.
The Northern Powerhouse projects is an initiative the aim of which is to improve the cities of the North region of the United Kingdom even further by investing in things such as transport and connectivity, skills and education, economic growth, and just overall quality of life for those who live and work up North.
The exciting plans which are in place for the Northern cities of the United Kingdom such as the city of Liverpool and the city of Manchester are part of what makes them some of the best buy to let property investment areas in the United Kingdom, with an optimistic outlook for capital growth as well.
This increase in the prices of property and the rates of rental yields has most likely been driven by the number of people who are now moving to the North region of the country from the city of London.
Over the recent years, the city of Manchester has seen a total of ten thousand and two hundred Londoners move into the city in the year of 2017 alone, compared to eighty eight hundred and seventy people leaving the city of Manchester to head to the city of London.
With such a large number of exciting business opportunities which are available in the city of Manchester, the lower costs of living, and with better value for money in regards to the rental properties, it is not hard to see why so many people would be drawn to the North region of the United Kingdom.
Overall, it is perfectly clear that, for the investors who wish to make an attractive and safe return on their investment without having to wait long, looking through the Northern Powerhouse is the best possible route they can take in this endeavour.
At Bondtilli, we offer some of the best rental yields which are available in the United Kingdom, in some of the best locations for buy to let property investment. Get in touch with us today and chat with one of the knowledgeable members of our team and find the perfect investment opportunity.
The city of Liverpool and the city of Manchester offer some of the highest rental yields that the United Kingdom as a whole has seen as of late, with the averages being at five percent in the city of Liverpool and fife point five percent in the city of Manchester.
The price that it costs to purchase a property up in the North region of the United Kingdom also plays a big role in this outcome, with property in the city of Liverpool, for example, now costing at around one hundred and thirty thousand six hundred and seventy seven Pounds on average.
In addition to this, the rental prices in the key cities of the North region of the United Kingdom are also rising, with a two point sixty five percent of growth in the city of Liverpool and a five point seventy six increase in the city of Manchester.
Bondtilli has many years of experience in dealing with international investors and clients. Our skilled team of property professionals is more than happy to talk our clients through any questions they may have about investing in the property of the United Kingdom, using their expertise to find them a buy to let property investment opportunity that best fits their needs and requirements.
Bondtilli also creates property investment opportunities only in the best performing areas of the United Kingdom, such as the city of Manchester and the city of Liverpool. Our speciality is student, off-plan, and residential developments. Off-plan refers to investment property which is purchased while it is still in the construction phase.
This is what allows us to offer our clients below-market rates, and even the increased likelihood of their property growing in value over time. For a better insight into how Bondtilli can help investors with their overseas property investment, take a look at what our clients have had to say …
BONDTILLI has proven itself reliable, communicative, tenacious, and trustworthy by our clients in fighting for their interests. We know that investors are usually busy, hardworking individuals who don’t have time to shift through piles of information, so we take it upon ourselves to filter through investment information and select the most crucial and valuable information for what they seek to achieve. Our team of experts will eagerly share the knowledge they have acquired through years of experience working as property investment consultants. On top of our other services, we regularly publish property investment advice to help potential investors make informed decisions.
A dwindling pension income and the intlow erest rates that the banks are offering means that individuals are not as financially comfortable as they once were. Our clients are often trying to invest in property to assure another income as they enter retirement. Investing in property, if done wisely, provides individuals with opportunity to supplement their income, alleviating some financial stress they may face. Our team of experts sources the best investment opportunities and our consultants advise and support our clients throughout the whole process, ensuring our clients get exactly what they look for out of the whole experience.