[Property insight] One thing remains stable in the UK - investors still vote for Property

Posted by Graham Turrell on Fri, Jun 09, 2017 @ 08:08 AM

As we wake this morning to yet more political uncertainty in the UK with the likelihood of a hung parliament, it's reassuring to remember that UK property investment has shown itself ultimately unshakable even in times of uncertainty.

Election-920x584.jpgProperty, this remarkable asset class, has historically weathered every political and economic storm that has battered the UK's shores in modern times. 

The reason - that we all need a roof over our heads - seems obvious but also reassuring. Reassuring that despite the posturing of the political classes as we see in government now, despite the political attacks on landlords to win votes, the value of property continues to thrive. Not just monetary value, but value as a nest egg for individuals, couples and families simply trying to provide a comfortable retirement for themselves and their loved ones through property investment.

No waves battering the shore of Britannia are ever likely to shake the security and comfort of property portfolio ownership.

Check out one of our most popular additions to any secure and stable property investment portfolio, whether investing from the UK or globally. 

Property Bonds provide fixed income secured through property, with the comfort of return of capital in full after a fixed time period. Their relatively low cost allows even the small investor to build a diverse portfolio and spread their capital over a range of property opportunities. Download our Property Bonds guide to discover more.

Download HighGround Property Bonds Special Report

 

Tags: Property Insight, Property Bonds

Frustrated Property Investors: how to bank 40%+ and make the tenants someone else's problem

Posted by Graham Turrell on Tue, May 16, 2017 @ 01:00 PM

If you're someone on the look-out for intelligent, hands-free UK property opportunities, I believe this new investment has to be worth your serious consideration.

MDC027_Chester2_V03_Lobby_FINAL_JPEG_Small[2].jpgWith our rigorous selection process, I know we offer only the Best in Class student property investments. If you're considering hands-free student property then Northgate Studios in the beautiful English city of Chester is a truly exciting opportunity.

Placed in a fantastic student location, Northgate Studios is just a short walk away from the Chester city centre and the University campus. Its 150 luxury studios are fully-managed on your and the other owners' behalf, making this an easy ‘hands-off’ investment for you. 

Your key ownership benefits at Northgate Studios:

  • 40%+ Assured Net income over 5 years
  • 5% interest paid on all deposited funds
  • No stamp duty to pay
  • Perfect location for 100% occupancy
  • Hassle-free : full property management by a highly experienced student management company.

Why Northgate Studios and Chester?

Location. Location. Location:  in the historic walled city of Chester, successful planning permission for such developments is rare, ensuring that there will always be a strong student demand for your property. The first phase of this project has enjoyed 100% occupancy from opening, just as I expect to see at Northgate Studios.

This is a truly unmissable investment opportunity for investors, offering a superb 8% MINIMUM net rental income assured for 5 years, and 5% interest paid on deposited funds. 

Get your copy of our investor guide today...

northgate point brochure download

Tags: UK Investment, Student Accomodation

At last - commercial finance for student property - here's how

Posted by Graham Turrell on Sat, Apr 29, 2017 @ 04:41 PM

With the dreaded "Landlord Tax" now upon the UK, many more property investors have been considering Purpose Built Student Property which are exempt from the extra taxes. But those who like to gear up with mortgages have been disappointed that none is available. Until now.

PBSA_Studio_Interior.jpgStudent accommodation is still the most successful property asset class in the UK, but before today, investors have needed to pay for their investment outright. 

We've got Finance:

We can now offer 50% finance* on selected student developments, such as Preston's unique Innovation House development (see below). Now, investors can halve the investment capital they need to own a student suite "cash cow". Our FCA-regulated financiers are already helping investors to double their spending power in this way.

if you'd like to find out more, just drop a note in the comment box below with the word "finance" in it and I'll pop you an email showing how this groundbreaking product could work for you.

Innovation House Preston Investment Prospectus*Subject to Status

Tags: Student Accomodation, Innovation House

[property insight] Busting some passive property investment myths

Posted by Graham Turrell on Mon, Apr 24, 2017 @ 09:12 AM

The idea of making property investments passively can cause a great deal of confusion - what do we mean by passive investment through property anyway?

www.reuters.com.jpegLet's bust a few myths -  here's what we think:

1) Passive investment through property is not about laziness. It takes a ton of research upfront on an what could be a long-term investment. Only when the hard work of due diligence is done and the investment made can the investor sit back. 

2) it's not for everyone. It's not for those that spend all their waking hours living and breathing property as property developers or landlords. We love you, but we know you're more likely to be seeking funding that wanting to invest in other things right now! These dedicated souls need to keep their hands busy and if they're doing it right should expect the fruits of their labours to reward them handsomely eventually. This is less true for UK residential landlords than for developers these days, and some are completely changing the way they invest in property as the world changes around them.

3) Having complete control of your property investment does not guarantee success. There's no such thing as a risk-free investment, and the unexpected can bite you if you put all your eggs in one basket. If you're a landlord you're probably invested heavily in one "property paradigm" which, when attacked by government policy (as as happened recently in the UK) can have a devastating effect on your whole portfolio. Consider "targetted diversification" when you invest. Be an expert in your field but have plenty of strings to your bow.

I'm passionate about helping property investors move their investment strategy forwards with a clear plan for the future. So if any of this resonates with you, I'd like to chat with you privately and with no obligation or "hidden agenda". 

You can simply pull up my diary and book a complementary call with me right here. Speak soon!

     Let's talk !     

 

Tags: Property Insight

What does a good Property Bonds look like? The typical structure…

Posted by Graham Turrell on Mon, Apr 17, 2017 @ 10:05 AM

working-as-a-team.jpgWith any investment  it's crucial to look beyond the headine figures and take the time to "look under the hood" as well. This is very much the case when it comes to Property Bonds.

The key players you should expect to see in a good property bond offering are:

A capable, experienced property development team with a strong track record of successful projects of a similar nature.

A legal team to:

  • Draw up the agreement between Bond Issuer and the developer, and the agreement between the Bond Issuer and the investor. 
  • Operate the Escrow account and ensure that all funds transferred between it and the developer are secured by developer’s assets.

A specialist administrative team to manage the payments to investors.

A Bond Issuer company with a strong track record of successful projects to:

  • Act as the intermediary between investor and borrower.
  • Independently represent the investors’ interests.

Some property developers with little or no understanding of investors needs, will try to do most or all this in-house usually cutting plenty of corners in the process. When you see this, run for the hills.

Learn how to spot a good-looking property bond, and those to run away from. Download our bonds guide today:

Download HighGround Property Bonds Special Report

Tags: Property Insight, Property Bonds

[Property Bonds] Introducing a peer to peer lending property bond

Posted by Graham Turrell on Wed, Apr 12, 2017 @ 10:25 AM

Crowdfunding is a popular way for would-be property investors to share in property developers' profits by lending them development funds. Results can be good, but wouldn't a "set-and-forget" fixed return be even better for the investor?

Speculation is often considered to be a higher risk activity than investment. We'll be covering this whole subject in future posts on Investment Education.

In the world of property bonds it's extremely rare to find an established Property peer-to-peer lending platform that offers a mini-bond to allow a truly "hands-free" investment into secured property developer loans.

In general, using bonds offers a potential way of turning speculation (such as those P2P lending opportunities with no defined return) into an investment, for those that see investment as a far safer option.

tax-saving-piggy.jpgHere's an example. The Saving Stream 5-year Bond allows investors to indirectly participate in the P2P marketplace without any active management. Proceeds of each subscription for Saving Stream Bonds will be used to make loans on the Lendy Limited P2P platform. Investors will NOT become lenders on the P2P platform.

All loans made in this way are used to fund either bridging finance or development finance. 

Rate of interest - 7% per annum, paid in quarterly installments from the date of issue of the Saving Stream Bond until the date of redemption.

Duration - 5-year fixed term

Issuer - Saving Stream Bond Limited, a wholly owned subsidiary of Lendy Ltd

Minimum amount per application - £5,000 and, thereafter, multiple of £1,000

Who can take up these bonds? Qualifying Individuals, companies, charities and corporations subject to local restrictions and to submission of approved anti-money laundering documentation. At the time of issue the Saving Stream Bond can be placed in a Self-Invested Personal Pension (SIPP). However, we strongly recommend that applicants seek advice as to whether the specific terms of your arrangements permit this type of investment.

To discover more about how Saving Stream works, download the brochure today:

Saving Stream Bond Invitation

All opinions offered are expressly generic and do not constitute financial advice. UK Investors should always consult with an advisor authorised and regulated by the Financial Conduct Authority (FCA) before making specific investment decisions.

Tags: Property Bonds

Why are Property Bonds growing in popularity?

Posted by Graham Turrell on Tue, Apr 11, 2017 @ 11:50 AM

More and more,  property investors and traditional savers alike are becoming attracted to Property Bonds as a way of boosting income and avoiding the hassles of direct property ownership.

investment-in-knowledge.jpgHere are a few of the drivers that are prompting this interest - do any of this resonate with you (especially if you're still learning about this asset class)?

  1. Bank interest rates for savers are at an all-time low. Savings accounts in the UK are  struggling to keep up with inflation, let alone provide any real growth.
  2. Property is still seen as a secure asset class by those who know, and with not enough homes being built in the UK demand continually outstrips the supply.
  3. There are more and more obstacles in directly owning investment property. Heavier taxation for residential investment property and reduction of tax reliefs for expenses;difficulty in raising mortgage finance for buy to let; dealing with tenants; licensing; regulation, the possibility of rent controls; the list goes on). Many property investors are looking for less hassle and more profit: being the lender, not the landlord.
  4. As part of this movement, investors who are cash-rich and time-poor are looking to partner with developers by lending rather than getting directly involved in the day-today running of projects.
  5. In uncertain economic times a predictable fixed income for a known period of time has much appeal.
  6. Whilst no investment is in any way risk-free, modern Property Bond structures can offer credible security and a practical exit strategy should things go wrong with the developer - something that isn't usually available to direct peer to peer property lenders, for example.

Property Bonds are not for everyone - but if you qualify they have the potential to offer a very interesting boost to one's income and wealth - but only if you choose wisely.

We are UK leading experts in Property Bonds, Notes and tax-efficient sophisticated alternatives. Find out more about property bonds with our popular guide - download your complementary copy today:

Download HighGround Property Bonds Special Report

 

All the best for now,

Graham Turrell - The Investment Engineer

Tags: Property Bonds

[property bonds]  How a former Berlin Sorting office is being transfored into luxury apartments

Posted by Graham Turrell on Mon, Apr 10, 2017 @ 11:28 AM

As part of our service to clients both present and future, we like to keep a close eye on our property developers. Dolphin Trust has a remarkable track record but that's no excuse for complacency on our part. 


exterior-rear-cgi-1.pngOn our most recent Inspection Trip to Berlin to visit Dolphin Trust development projects, one of the most striking to date has to be the restoration of this former East German sorting office, the CARRÉE ALTE POSTE.

Dolphin are transforming this fascinating former East German building preserving its impressive interior architectural features, whilst complementing with additional new build to the rear into spacious luxury city apartments on track to complete later this year.

IMG_1771.jpgBuilt between 1925 and 1929 “Post Office Lichtenberg I” on Dottistrasse is a striking and impressive four-storey building in Berlin. With a deep history spanning over seven decades, the
post office was a hub of communication throughout some of the city’s most troublesome years.

Dolphin Trust are currently working on constructing 48 luxurious apartments within the walls of the historic building and also have plans to construct four residential buildings with 90 stylish
apartments, an additional courtyard and a large common green area. This photo was taken during our visit in March this year and shows construction work underway.

HighGround and Dolphin Trust offer qualifying investors fixed double-digit annual interest paid six-monthly over an agreed number of years, after which capital is returned to the investor.

To find out more and discover if you qualify to invest, download our introduction to Dolphin Trust today:

Download Dolphin Trust Brochure


A few more images of the CARRÉE ALTE POSTE ...

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IMG_1777.jpg

interior-cgi.png

IMG_1778.jpg

Tags: Property Bonds, German Property Investment

[video] Dolphin Trust delivering beautifully restored listed property to Mainz, Frankfurt

Posted by Graham Turrell on Wed, Apr 05, 2017 @ 02:30 PM

Watch this video to discover how Dolphin Trust capitalise on a generous German tax incentive for local property buyers with an example of their developments in Mainz, Frankfurt...

 

 

Find out how you may eligible to profit hands-free from these German property restorations today.

Download Dolphin Trust Brochure

Tags: Property Bonds

Why I'm in love with Property Bonds

Posted by Graham Turrell on Tue, Feb 14, 2017 @ 05:25 PM

As a former traditional property investor myself, I'm speaking very candidly when I openly declare my love for Property Bonds. They offer hope and a future for those unimpressed with the world of "tenants and toilets", not to mention the continuing UK government assault on the livelihood of landlords.

Choosing a property bond to invest in is rather like dating.

14-shutterstock_181460018.jpgSome bonds are glamorous; some are plain; some are downright unattractive. Some have beauty that's just skin deep. The secret is getting to know them and seeing the beauty within (or otherwise!).

Here are just five of the reasons why my love is so profound (and why buy-to-let is i'm afraid fast becoming the ugly sister of the property world):

  1. Bonds will let you invest into proven property developers. Leveraging their skill and experience,
  2. Well-structured Bonds offer you built-in security so that even in the worst case scenario, your initial investment is as safe as it can possibly be. 
  3. There's a fixed net income of between 6% and 11% each year depending on which bond you choose.
  4. Capital is returned to you at a predetermined time. The term of the bond can range from just 12 months to 5 years and the choice is yours.
  5. No more tenants, lettings agents to pay, landlord regulations to upkeep, insurance premiums, repairs, voids, refits, stamp duty, legal fees, deposits, tenant reference checks or landlord tax hikes. 

But would you declare your commitment to a Property Bond until you knew it very, very well? The head decision has to follow (and sometimes override) the heart.

A match made in heaven?

Our role here as Investment Engineers is to detect and filter away the property bonds out there with character flaws, then from those that remain, present those that might be the better fit for our investors needs. Finally we assist with any research the investor needs to do to help them make their own truly informed decision. Our market knowledge, experience and frankly annoying attention to detail (as some bond providers would say) really is our strength.

Bonds, like long-term relationships, are not for everyone. But to help you understand whether they can work for you, we've produced a simple but thorough introduction to the wonderful world of Property Bonds, including ways to spot a beauty from a beast...

Download your copy today:

Download HighGround Property Bonds Special Report

 

For the latest examples of "best of breed" property bonds, drop me a comment or get in touch (contact details are at the back of the eBook).

Tags: Property Bonds