PROPERTY INVESTMENT IN LONDON
A COMPLETE SOLUTION FOR PROPERTY INVESTORS
Whether you’re a first-time buy-to-let investor or a seasoned pro with an extensive property portfolio looking to expand, we can represent you and your investment goals. We’re here to assist you!
No matter your reasons for being a landlord, you likely have a clear action plan for your investment. You might be interested in acquiring more properties to grow your portfolio, or you might need to divest some assets to maximize your investment returns. LLH Residential offers tailored investment services for clients seeking residential or commercial investment opportunities across London. Thanks to our well-established lettings, property management, and residential sales services, our experts are well-equipped to provide high-quality, effective, and dedicated property investment services in London
PROPERTY INVESTMENT STRATEGIES
BUY-TO-LET
By buying a property to rent out, you aim to make money in two different ways:
- The monthly rental income in excess of costs
- The growth in the capital value of the property over time
Professional single lets
Pros:
- Easy to understand and get started
- Easy to get morgages for, compared to other types of buy-to-let
- Takes up little management time – or a letting agent is easy to find
- Predictable returns, as long as you make adequate allowance for costs
Cons:
- Returns aren’t as high as some other types of buy-to-let
BUY-TO-SELL
Buying to sell, also known as “flipping”, couldn’t be more different from all varieties of buy-to-let. There’s no steady income or long-term growth: the aim is to make a profit by buying at one price and selling at another…and that’s it.
The big attraction of flipping is that you can generate meaningful amounts of cash quickly: a successful project could make tens of thousands of pounds in a matter of months, rather than a buy-to-let property just making a couple of hundred pounds per month. And the downside is the same thing: the property won’t continue to make money every month, so you’re only generating income when you’re completing projects: as soon as you stop working, the money dries up.
Pros:
- Ability to generate quick lump sums
- No need to deal with tenants and maintenance
- No need to worry about the long-term health of the property market
Cons:
- No residual income: you only make money as long as you’re executing projects
- Hands-on, complex work with lots of aspects to manage
- Could be forced to sell at a loss if you get it wrong: can’t be bailed out by rising prices in the long term
HMOS
An HMO is basically a “house share” – where a property is rented out room-by-room to unrelated individuals. Renting out a property by the room tends to generate more revenue than letting it as a whole.
However, there are also higher costs: HMOs tend to be let furnished with bills included, plus there’s likely to be more wear and tear. Management is more time-consuming too, which means either higher letting agent fees or more involvement from the landlord.
Pros:
- Higher yields than single lets
- Diversified income streams: if one tenant stops paying, there’s still income from the others
Cons: - More intensive management required
- More regulations to comply with
- Harder to get a mortgage than for a single let
COMMERCIAL PROPERTY
it undoubtedly requires less ongoing work: leases are for multiple years and tend to be “fully repairing and insuring”, so if you’ve got a tenant with a stable business there isn’t a lot to do.
There are also tax advantages, and commercial property can be owned by a pension – so it could well become more popular in the coming years.
Pros:
- Tenancies tend to be longer-term
- Tenants are responsible for maintenance
- Can be held within pension
- More generous tax treatment than residential
Cons: - Tends to be harder-hit at times of recession than residential property
- Voids can be longer
- Mortgages are always on a repayment basis and may be lower loan-to-value
HOLIDAY LETS
A holiday let is, as the name suggests, a property that’s rented out short-term to holidaymakers. You’ll also hear about “serviced accommodation”, which is the same thing but aimed more at business travellers in urban areas.
This type of short-term accommodation can be fantastically profitable if you achieve a high level of occupancy.The downside is that the work is near-constant, with marketing and frequent changeovers of occupancy to deal with. It’s also very difficult to find a mortgage that will allow short-term lets – so with reduced leverage, Return On Investment may be lower even with higher rental income.
Pros:
- Very high yielding if occupancy is high
- No possibility of having to evict, as tenure isn’t secure
- Better tax treatment than for single lets
Cons: - Lots of work, with constant marketing and changeovers
- Very difficult to find a mortgage that allows it
HOUSING BENEFITS TENANTS
By buying a property to rent out, you aim to make money in two different ways:
- The monthly rental income in excess of costs
- The growth in the capital value of the property over time
Professional single lets
Pros:
- Easy to understand and get started
- Easy to get mortgages for, compared to other types of buy-to-let
- Takes up little management time – or a letting agent is easy to find
- Predictable returns, as long as you make an adequate allowance for costs
Cons: - Returns aren’t as high as some other types of buy-to-let
Why Us
- Bespoke buying service for Investor and International Clients
- Attractive Investments – Residential and Commercial with excellent returns
- Safe Investments – with Excellent Legal Protection and Privacy for Clients
- Finance – Mortgages and Loans
- Tax Structured property Investments
- Fully Managed Property Assets
Are you a non-resident person or company looking to invest in the UK residential and commercial property?
If so, you have come to the right place.Our dedicated investments team offers a wide range of services together with flexible methods of delivery to ensure a successful outcome. From hands-on consultancy to remote research on exit strategies, our service will be carefully tailored to best meet our clients’ requirements, and includes:
SETTING UP A COMPANY & BANK ACCOUNT
We offer essential support to entrepreneurs in incorporating a company in the UK with our formation services. Whether in the case of setting up a Sole Trader position, or an entirely new company, our advisors will help you through any process by communicating any changes to both HMRC and Companies House.
The legislation gives the opportunity to establish different types of businesses, which are:
- LTD (Private Limited Company)
- PLC (Public Limited Company)
- LLP (Limited Liability Partnership)
- Sole Trader
We can also assist investors/companies in supporting clients in opening business bank accounts and it monitors the day-to-day transactions flow. Our banking customer service team will facilitate business investments through the UK and internationally, help our clients in dealing with financial institutions.
SOURCING A SOLID & SAFE INVESTMENT
Our Investments team regularly sources a wide variety of investment opportunities for our clients. Once we have gained a clear understanding of your search criteria, we can successfully identify interesting investment opportunities, including:
- Residential buy-to-let property;
- Commercial buy-to-let property;
- Houses in multiple occupation (HMOs);
- Auction lots;
ACQUIRING THE PROPERTY
Our property acquisition services includes:
- Accountancy & Taxation: UK investors are expected to pay tax on any profits made from a buy-to-let investment, after any interest payments and running costs have been deducted. Tax should always be taken into account when calculating your return on investment.
- Legal implications: a good lawyer can be the difference between getting a good deal and not doing one at all and will liaise with the seller’s lawyers quickly, efficiently and pragmatically.
- Insurance: the property will need to be insured either from the date of exchange or completion at the correct reinstatement value. Insurance should be underwritten by a reputable Insurer and will usually cover the main perils of Fire, Lightning, Theft, Flood and Terrorism;
Do you have a property to let or sell? Book a FREE no-obligation Property Valuation with us by clicking the buttons below
OUR PROCESS
1
UNDERSTANDING YOUR REQUIREMENT
The first step is to arrange a meeting in our office located most convenient for you to discuss your personal requirements and our service to suit you.
During this meeting, we will create a focused brief detailing all of your requirements including budget and preferred locations, as well as other criteria such as desired school catchment areas, lifestyle and architectural preferences. We will advice you on current market conditions and if you are looking for an investment property, we will research to ascertain what rental yields are possible and which areas are most stable and offer the best capital growth. If you are unsure on which areas to commence searching in, we can advise and suggest areas that would best suit you and your budget.
2
SEARCH AND LOCATE
Based on our initial meeting advice, we define your requirements and carry out proactive property search for six months.
We write to you area reports for location advisory, and viewing all available properties which on the open market via local estate agents, property developers, private contacts, direct sellers, auction, and bank repossessed properties etc. we will compile a shortlist of those that best meet your requirements and enable you to view full property details along with photographs, floor plans and location maps of each selected property. You will receive our stage reports on regular bases, and market trend news.
3
HOME ASSESSMENT AND SURVEY
Once you have found the property you like, and would like to make an offer to purchase. We will carry out Home buyers report survey or Home Assessment to make sure the value and condition of the property are suitable and reasonable for you to bid. These could give you peace of mind, and avoid potential of huge repairing costs after completion purchase.
4
PROPERTY VIEWING TRIP
Once you reviewed the shortlist and have decided which properties you would like to view, we will arrange accompanied viewings at your earliest convenience and advice you on the pros and cons of each property. Once you preferred date is scheduled, we will organise you and your family visa application, accommodation, transportation property viewings, area tour and extra sightseeing plan etc.
We will base on your needs, tailor made your property viewing trip with our local expert. By really getting to grips with your requirements, and only recommending properties which meet your needs, your involvement in the search process is kept to a minimum, whilst we do the legwork for you. With our help which enable you to make the right choice.
5
OFFER AND NEGOTIATE
Once we have seen the property of your choice, we will act on your behalf to conduct all the negotiations in order to secure the property at the best possible price. This is where our experience and knowledge really benefits you. In most cases we can negotiate enough money off the asking price to more than cover our fees.
6
TAXATION AND INVESTMENT
Facing various taxation issues, we will be able to tailor made a solution, which only works for you base on your investment projection. We are not only thinking of what you are thinking, we assist you on your cash flow calculation, investment appraisal, and most importantly saving from income tax and capital gain tax when you making profit from your property or resale it.
7
MORTGAGE AND SOLICITOR ARRANGEMENT
Our associated solicitors and mortgage brokers are all have more than 15 years industrial experience, and would be able to provide bespoke service in a high professional manner. They will also work on your behalf to achieve the best legal and financial advice you need.
8
SMOOTH TRANSACTION
Once you offer has been accepted and the sale has been agreed, we will liaise with all parties on your behalf, including estate agents, private owners, solicitors, financial advisors and surveyors. We will handle any problems that may arise along the way and ensure a smooth and speedy completion or move in. We will also available for property related advice, such as decoration, design, planning permission, rental, taxation, buy to let etc. with our expertise, property market survey knowledge, you can feel rest assured that you are in safe hands.
9
MOVE AND SETTLE
Our job is not finished once you have successfully exchanged contracts. We will be able to recommend and arrange for removal and storage companies to deal with the packing and moving of your possessions, as well as arranging for change of address cards to be sent out.
10
PROPERTY INVESTMENT - AFTER INVESTMENT CARE
As most people are aware, once your property is let, the work does not stop there. Today’s rental market can be quite demanding on a Landlord’s time. Attending to the various routine and spontaneous duties of a landlord can become a very difficult task to carry out when the investor is living abroad. It is due to this reason that a lot of potential overseas investors are put off from investing in UK real estate.
However, Peaksons has found the solution to this problem. By offering a round-the-clock service, whether it is a malfunctioning fridge or a leaking shower, you can be sure that your tenant will be given a swift repair, in return, giving you, peace of mind. You will also want to avoid tenants using the Landlord and Tenants Act 1985 and withholding rent due to delayed repairs. Our clients value our asset management service because we let their property to the most reliable tenants that we can find through the best estate agents. We also regularly visit the property to monitor its condition and use and make sure that your rent – essentially the return on your investment reaches your account on time. If you are an overseas landlord, we will also look after your rental cash flow and ensure that your income tax is exempted properly each year with the HMRC.
