If you've read our Property Bonds Investment Guide, tell us what you think?

Posted by Graham Turrell on Thu, Oct 20, 2016 @ 11:26 PM

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Tags: property bonds

The best of Northern Powerhouse Manchester - Downtown

Posted by Graham Turrell on Sun, Oct 16, 2016 @ 12:41 PM

When it comes to seeking out property investment in the UK's Northern Powerhouse, there is nowhere with more potential, growth, excitement and optimism that central Manchester.

downtown-lawn.jpgOur recent viewing trip to check out a brand new residential development, Downtown, is a prime example of how the growing demand for high quality rented apartments in the perfect location within easy reach of both Media City and the City Centre can offer investors a very solid addition to their property portfolios.

We've seen the breathtaking progress of investment in infrastructure and housing in Central Manchester and with the HS2 rail service set to slash travel time from Central London and the South, now is still the perfect time to consider investment in bricks and mortar.

Downtown Manchester offers a range of unique high-specification features that is set to offer very strong rental yields for years to come. Being created by a prestigious and experienced team of developers, this is perfect for any property investor looking for superb returns on their capital.

Reservations are now being taken.

Discover more about this exciting new central Manchester development by clicking the image below and talk to us for current deals available...

Downtown Manchester Investment Prospectus

Tags: UK investment, Residential Property

How to choose a Property Bond - 100 downloads in a day!

Posted by Graham Turrell on Wed, Oct 12, 2016 @ 10:08 AM

I'm delighted this morning: our property investors' guide to Property Bonds has been downloaded by over 100 property investors in under 24 hours with more requests flooding in. 

100-fireworks.jpgThere's clearly a very strong interest in this new and interesting way of investing in property development projects. But with a growing array of property bonds appearing in the market place investors recognise that they need to equip themselves with knowledge and understanding of what they are and what they do.

There are some great property bond opportunities out there today, but they vary in quality and safety so having the knowledge of how to tell them apart and gauge which ones are right for you is so important to avoid mistakes and missing out on the best of the bunch.

The property bonds guide was written to give investors this kind of insight and seems to be hitting the spot. But we're constantly seeking to improve they way we serve investors, so I'd really value all comments and feedback on how we can make the guide even better. If you read the book, please drop me a comment here and we'll use these to create the next edition! 

If you've downloaded already - thank you. If not, you can get your copy of the guide right here :

Download HighGround Property Bonds Special Report

Tags: property bonds

[seminar] The Property Tax 'War Room' - Join us for an evening in Westminster

Posted by Graham Turrell on Wed, Oct 05, 2016 @ 11:15 PM

The tax onslaught against residential landlords has become the hot topic among property investors. And it's only just begun.

tax-saving-piggy.jpgSome landlords know of the potential massive hit to profitability coming their way starting next April and a few of these have already taken steps to minimise the impact, However others are not even be aware that unchecked, these sweeping changes could potentially wipe out their buy-to-let businesses...

It's war, and it's time to prepare our defences. 

So - why not join us for an evening in Westminster as three property and tax experts join forces to give you survival strategies to manage and grow your property interests?

To find out more and reserve your place, you can click the button below:

Register Now

Here's some more detail...

This seminar is for you if are:

  • worried about the changes to tax law and how it might damage your property wealth
  • looking for ways to minimise the impact of the new UK property taxes on your portfolio
  • seeking to grow your portfolio in the most tax-efficient manner
  • looking for inspiration or new ideas

What you'll get out of attending this event:

  • Returns: Find out how to get better returns on your money and investments
  • Convenient location: Westminster venue, central London - you will get the details with your joining instructions
  • When: Thursday 10th November 2016 after work 18.30 - 20.45
  • Time-saving: Concentrated expertise - meet 3 experts and see what they have to say, in the same room at the same time.

Places are first come first served already filling fast so reserve your seat today.

Register Now  

Tags: UK investment, Property Insight, Commercial Property Investment, property investment, property bonds, London Property

[eBook] Property Bonds - a brave new world of property investment?

Posted by Graham Turrell on Wed, Sep 14, 2016 @ 02:25 AM

There is a lot of talk about Property Bonds as a new, simple and secure way of enjoying bank-beating returns without the hassle of direct property ownership. But choosing from the growing list of advertised products can be a minefield.

So to help you learn about this new approach to property investment, I'm delighted to announce we've written a brand new guide which you can download now for free.

12-shutterstock_291201419.jpgOver the last couple of months we've been very busy behind the scenes studying the Property Bonds market place. As bonds become more and more popular with medium-sized property developers as a way of generating finance for their projects, we are set to see more and more bonds and loan-note investments being offered.

Our findings have been fascinating.

The choice of property bonds is already somewhat bewildering, and the range of quality and safety is wide. We have discovered that there are some excellent offerings available today with very reputable property developers, business models and bond structures that offer investors strong but realistic returns, with investor security at the forefront.

But not all such bonds are equal. It has concerned me greatly that very high rates are being advertised in some cases to attract investor interest but when we apply the weight of our due diligence processes, many leave a great deal to be desired.

We're sharing our knowledge with investors, and showing them how to discern the good products from the mediocre as well as providing our own critique and expert guidance to them. 

To find out more about the world of Property Bonds, you can download our brand-new Special Report today. Just click the image below to receive your copy...

Download HighGround Property Bonds Special Report


Tags: property bonds

[news] Report reveals facts and hotspots for UK student property

Posted by Graham Turrell on Mon, Jul 11, 2016 @ 08:40 PM

STUDENTS-INDOORS.jpgPurpose built Student Accommodation (PBSA)  in the UK remains an incredibly popular asset class for a whole host of reasons.

When it comes to looking for reliable growth and passive income through property, fully-managed student property is hard to beat. 


Here are 9 fascinating facts about student property!

Did you know that ...

  1. It's Big Business. In 2015, a massive £5.1b's worth of PBSA transactions took place - the largest yearly figure ever.
  2. It's Popular. Just over 49,000 PBSA beds were bought and sold last year.
  3. The Big Boys are playing. Nearly half of these were bought by institutions, including major pension funds such as Aviva and BlackRock.
  4. If a certain brewery built property, it would be this. PBSA has again outperformed all traditional property classes.
  5. Students are in love. PBSA is more popular with students than ever before, and this is set to continue
  6. It can be T.A.X Friendly. Most Purpose-built student property is exempted by HMRC from capital gains tax (but seek professional tax advice to confirm for your situation)
  7. More buyers love second-hand. With increasing yields (average rent in 2015 was up by 3.64% - well above inflation), the resale secondary market is becoming lucrative. Some buyers are prepared to pay a premium for PBSA blocks with years of trading history.
  8. It's still growing. Growth is set to continue, with growth outside London expected to be greatest.
  9. There's a "Brexit Bonus". With a lower £ following the Brexit decision, the overseas student market could be set to enjoy another further boost in the medium term. PBSA is even more popular with non-UK students so demand could see another further shift from traditional privately let shared houses (HMO) and university-owned accommodation. 

If large institutions such as Aviva are buying PBSA for their managed funds, it may be worth considering taking a leaf out of their book? Especially when individual student suites can be owned for less than a deposit on some city centre apartments.

Discover more facts and figures in the latest PBSA report from Knight-Frank, including some expected PBSA UK hotspots.

To get your complimentary copy, just click the link below. 

Download Student Property Market Review 2016

What do you think of the report contents? Post your thoughts below, we'd love to discuss!

Tags: news, Student Accomodation

Interested in intelligent property investment?  Join me in central London on Thursday 9th June

Posted by Graham Turrell on Fri, Jun 03, 2016 @ 09:34 AM


I'm really excited about a seminar we’ve arranged for next Thursday the 9th June with Jeff Hankin, director of Best International presenting their investment strategy including information about their new UK car park offering along with their highly successful range of property bonds. 

This will be a highly informative event in a relaxed setting and presents a welcome and secure alternative to traditional buy-to-let property investment currently under unprecedented attack from the UK Treasury.

Are you able to make the event? The venue is the Thistle, Kingsley Hotel Holborn (2 minutes walk from Holborn station) with reception and light refreshments at 6.30pm for a 7pm start. There will also be opportunity for networking with like-minded property investors.

This is a free event, but it's value to you is likely to be immense. Due to populatirity and venue size, seats are now very limited so I recommend reserving your place today.

Happy for you to invite anyone you think would benefit from listening to Jeff. Please let us know number of seats needed by reserving them below (I'll get notified automatically). Any questions beforehand, drop me a comment on this post and I'll answer each one personally.

To secure your seat(s) now just click here:

Register Now

Look forward to hearing from you, and seeing you next Thursday!

Kind regards,

Graham Turrell

CEO HighGround Property Investment

Tags: Property Insight, property bonds

Business & Pleasure combined? - Investing in Luxury Beach Front property with confidence

Posted by Graham Turrell on Tue, May 31, 2016 @ 08:58 PM

As anyone who know us well will tell you, when it comes to choosing investment property, we never let our hearts rule our heads.  

llana_12-nice.pngThat said, once we've thoroughly interrogated the developer, the business model and the numbers stack up firmly in favour of the investor, we allow ourselves to let our hair down a little. 

When the down-side of a deal is covered, its time to celebrate the up-side and get a tiny bit excited. Time to take a good fresh look at Cape Verde property investment...

Something .... unusual

A decade of experience tells me this: it's really rare in property to be offered a minimum net rental income and to be able to keep everything above that minimum too.

Think about that for a moment. When the resort is doing well you get the full benefit of that. Should  there be a problem, you're covered, saf and secure. Of course the reason you're offered this is that the developer knows from experience that actual rental income from your hotel suite will always be well in excess of the minimum.

So it's a no-brainer to offer this to investors, but it kind of speaks volumes, doesn't it?


Control is good. Should you wish to sell up an no longer want the income and free personal usage, you can even demand that the property be resold for you after five years at market value.

Here's what you could have, for a £10k investment upwards:

  • Receive an assured 7% annualised income until the resort opens;
  • Benefit from the guaranteed minimum net return of 5% per year thereafter;
  • Any income above 5% is earned based on your hotel suite income;
  • Assured resale of your property any time from the fifth year;
  • Tax friendly environment;
  • Free personal usage options are available to enjoy every year should you wish;
  • Huge choice of ownership across two idyllic Cape Verdean islands.

Begin this journey of discovery today and grab a copy of our Llana Beach Hotel guide:

Download Llana Beach Hotel Investment Prospectus


Tags: Hotel Investment, Cape Verde, Llana Beach Hotel

Property Investor Report : London Breakfast Briefing with the NLA - Part 2

Posted by Graham Turrell on Wed, May 25, 2016 @ 10:31 AM

Welcome to Part 2 of our coverage of The Property Breakfast Briefing at London's Royal Academy of Arts, organised by the UK's National Landlords Association.


The first part of this report generated a real buzz from readers earlier this week. Here's the second and final installment of my report on this enlightening May morning in central London, focussing on the future of the UK residential market and the prospects for the private rental sector (PRS) in the new political world of taxed business expenses  for some sectors of UK property investment.

prime-central-london.jpgIn the second of this two-parter from the Briefing are key comments from the panel and in particular Jim Pickard, the Political correspondent of the Financial Times, who gave his views on the recent Mayoral changes in London and its likely effects on the PRS.

Part 2 : Speaker - Jim Pickard, Financial Times' Chief Political Correspondent

Here are the key topics covered by JIm during his presentation at the gathering, followed by some animated Q&A...

On the impact to housing of the new London Mayorship

The new London Mayor Sadiq Khan won the election with two key issues in his manifesto : transport and housing, so expect reform of both of these to feature highly (and quickly) during his term. At the end of the day London is a basically a labour city, so such a vote for a labour Mayor during a mid-conservative national term comes as no great surprise.

Issues with private lettings agencies are in focus and the mayor looking at setting up a public run letting agency. No details are available yet but we watch with great interest.

London has a population of 8.6m and this is widely expected to rise to 10m by 2030. The private sector is nowhere near meeting this with new build construction.

Another area of concern has been the proliferation of Iceberg basements (the construction of very large living spaces below existing high end properties, in prime central London - Moves are afoot to tighten up on planning permissions for these.

More significantly it is likely that foreign off-plan investments into London will be made more difficult, to level the playing field for UK based buyers.

Indeed a recent survey on behalf of KPMG indicates that 2/3 of foreign investors are concerned about potential policy changes following the Mayoral election.

Despite a widespread concern, the Mayor has no direct power to place a cap on rental income. 

The mayor is expected to encourage all London boroughs to introduce landlord licensing, based on the results of the "test case" in the Borough of Newham. But there are government restrictions on how widely this can be implemented. If a borough wishes to have more than than 20% of its rental stock to be under license, it would need to seek direct permission from the housing minister, who can refuse this.

On Brexit

Pickard believes there would likely be an Immediate depreciation of sterling in the event of a vote to leave the EU.

This would further increase the popularity in London and elsewhere for foreign property buyers.

Panel Q&A

Not surprisingly much of the discussion centred on the impact of the new world of tax legislation for private landlords.

One audience member, a landlord of 30 years, commented that despite the many challenges during that time, she has never felt so gloomy.

The panel commented on methods likely to be used by landlords to survive in the new climate. Landlords will need to carefully control their costs.

Notably, there was a prediction that landlords are likely to shop for better letting agent deals. In particular they will be more critical of tenancy renewal charges. They expect the market to become less complacent and more competitive, good news for those relying on agents.

Landlords are expected to be more likely to self manage their properties to improve cashflow. Whilst professionally-minded landlords will respond to the challenge appropriately this is seen by some to represent a danger to the quality of property management in the PRS in the near future.

One final sobering word came from Richard Lambert, CEO of the National Landlords Association: Given the track record, and the current political and popularist sentiment, It's quite possible that rent controls could be introduced by the present conservative government.

For that, we will just have to wait and see...

Please post your comments or questions on any of the issues raised, or if you'd like more detail with a one-to-one chat with me over the next few days, contact me directly using link below. 

     Let's talk !     


Disclaimer : all stated remarks in this article are my personal interpretation during the event and should not be taken as direct quotations from panel or audience members.

Tags: UK investment

Property Investor Report : London Breakfast Briefing with the NLA - Part 1

Posted by Graham Turrell on Tue, May 24, 2016 @ 12:43 PM

Along with distinguished guests,  I was recently invited to a Property Breakfast Briefing at London's Royal Academy of Arts, organised by the UK's National Landlords Association. Here's the first part of my report on what was a valuable insight on the present and future of the UK residential market and the prospects for the private rental sector (PRS) in the new political landscape for UK property investment.

royal-academy-of-arts.jpgHere in this two-parter are some rather insightful observations from Richard Lambert, CEO of the National Landlord's Association and Jim Pickard, the Political correspondent of the Financial Times, who gave his views on the recent Mayoral changes in London and its effects on the PRS.

Part 1 : Speaker - Richard Lambert, CEO National Landlords Association

Here are some insightful observations from Richard Lambert, CEO of the National Landlord's Association, made during his presentation at the gathering.

Based on a recent UK-wide NLA survey, Landlord confidence has collapsed as a result of the UK government's tax assault on private landlords. As many of us know, since April this year a "second-home" stamp duty surcharge of 3% has been in place on all second homes and traditional buy-to-let residential property investment. 

From the survey it appears that George Osborne has had the equivalent effect on confidence in the PRS as the Property Crash during the Great Recession of 2008/9. Quite an accomplishment!

More feedback from the NLA PRS survey- Landlord Sentiment

The more properties owned by a landlord, the more likely the landlord is to expect a forthcoming crash in the residential property market. This is as expected though since landlords with larger portfolios statistically tend to be more highly geared.

A prevailing comment from landlords was on the lines of  "I was going to buy more property, but because of the taxation changes, now I won't". Some are reported to be selling off property immediately or planning to sell up completely.

The number of buyers are falling, and sellers increasing. In the first quarter of this year a cross-over was reached where the number of selling landlords exceeds the number of those buying.

Tenant Demand remains high

A piece of good news for landlords was there is no evidence of weakening in tenant demand across the UK. Therefore a common response to the forthcoming "landlord Tax" on mortgage interest for those landlords staying in the game, is to consider simply raising the rents to stay profitable.

A fascinating debate around this is : can landlords really define the rental market in this way? Aren't business-centric landlords already achieving this? In other words, charging the most the market can stand already?

Specialisation and going "Ltd"

Other landlord responses to the impending changes are equally interesting: a trend is being seen towards specialisation and segmentation in the PRS. This presumably is borne out of the idea of adding value to a tenant's experience with greater expertise in specialism that comes from a vertical and/or niche market. That is my take though - this wasn't reported in detail.

The survey showed that 1/3 of landlords questioned are looking at incorporation.

In his summary, Lambert concluded from the survey that property still seen as the best investment option by most landlords, but a growing number are no longer convinced. 

Please post your comments or questions on any of the issues raised, or if you'd like more detail with a one-to-one chat with me over the next few days, contact me directly using link below.

     Let's talk !     

(Watch out for second and final part of this article which will cover the presentation from Jim Pickard, Financial Times' chief political correspondent as well as lively questions from the audience).

Disclaimer : all stated remarks in this article are my personal interpretation during the event and should not be taken as direct quotations from panel or audience members.

Tags: UK investment