Buy to let is a weaker property investment strategy than ever

Buy to let is a weaker property investment strategy than ever

People looking into a buy to let property investment strategy must have been crossing their fingers. There were probably hopes that Chancellor Philip Hammond would reverse some of his predecessor’s policies in the autumn statement.

Not so, as he revealed a new weight for landlords to carry. Letting agent fees are going to be banned leaving landlords to carry the can, making buy to let as a property investment strategy look weaker than ever.

Statistics are even showing that one-in-four landlords are selling up and leaving the market, such is the strain that government policy has placed on their shoulders. A UK property investment has always been viewed as one of the most traditional ways for investors to grow their savings. Could those days be over?

There are other ways to grow with a UK property investment

A property investment is still a fantastic way for savers to grow their money with bricks and mortar, depending on the route they go down and the options they choose.

There’s no doubt though that changes in legislation have made a buy to let property investment look very unattractive at the moment. The Telegraph is going as far as advising people to remortgage their buy to let properties to shield their profits to stop them getting ‘obliterated’ by tax changes set to occur from next year.

Not only are landlords being supposedly targeted according to a number of critics to the changes, but so are the dreams of an entire generation of investors, especially when tougher new mortgage affordability tests come into play.

It’s unfair to say that the plights of buy to let landlords, though, are going to be the end of Britons’ property investment dreams. These issues may be just the thing to attract people looking to grow their money to more alternative solutions and highlight the vast potential returns fixed-rate asset-backed bonds can provide.

Focusing on the right property investment strategy for growth

There’s little doubt that the changes to buy to let aren’t really benefitting many other than the treasury. The government is set to rake in an extra £6.9 billion from landlords over the next five years thanks to changes in the law, and while renters may feel some relief, there’s also little doubt that many landlords will be looking at other ways to grow their money.

Some landlords may also circumnavigate the changes by simply raising rents on unsuspecting tenants. A situation not many will want to do if they don’t have to, but if landlords feel they have no choice, they could be creating a vicious circle of pricing tenants out of their properties.

The right investment strategy can negotiate these choppy waters with investments into the high-yielding supported housing sector. Fixed-term investments into a government-backed sector can provide potentially incredible returns to investors, and help them enter the housing sector in a unique way.

A fixed return and asset backed property investment can earn investors potential returns of 43.5%, depending on the options they choose, from a government-backed sector. Find out about our low entry level rates; contact Heron Global Partners now.

Talk to an expert in the alternative investment market

Continue reading
How to choose the right alternative investment after the Autumn Statement

How to choose the right alternative investment after the Autumn Statement

It’s fair to say we’ve been hearing and seeing a lot more people considering the alternative investment option after Chancellor Philip Hammond’s autumn statement.

No wonder we’re fielding more questions on how to choose the right alternative investment… While there were many winners and losers during the statement, we feel it’s the right time for people that want to grow their money to consider the raft of alternative investment opportunities currently out there.

Cutting through the mass of alternative investment opportunities

People are also seriously considering an alternative investment thanks to traditional routes such as changes to buy-to-let becoming less attractive than ever before.

Changes to stamp duty in April have already dissuaded a lot of investors from putting their savings into bricks and mortar, and Philip Hammond’s decision to ban letting agents’ fees will also be a blow to landlords. The Telegraph has even gone as far as saying that the government has destroyed the entire buy-to-let market in the space of 16 months.

Potential landlords are looking more toward alternative investment solutions, as are people that will be hit by changes to pensions. Especially women; at effectively short notice the government says the retirement age for women will hit 66 by 2020. Some are even considering the option of retiring earlier for reduced pay; not an enviable situation to be in.

Savers are already finding it hard to grow their money, and the announcement that people who have already been drawing down their pensions since new rules came in will see their annual allowances cut to £4,000 from £10,000.

Foreign pensions are also set to be radically overhauled to bring them more in line with domestic UK pensions, which will be a tax boost for the Chancellor but is likely to hit expats hard.

How to choose the right alternative investment to get potentially high returns

Despite promises to raise the national living wage in April 2017, all of this has been played out against a backdrop of wage growth being at its worst since World War Two. According to the Institute for Fiscal Studies, workers are set to see no real terms wage growth for the best part of a decade.

With savers being hit, traditional investment routes being blocked off, pension pots suffering and a period of stagnant wages, clever investing is set to become more important to people than ever before to help them build their financial future and navigate through the tough times.

A strong alternative investment strategy could provide the financial safety and security that people are looking for. It’s essential to realise, too, that we’re still living in a pre-Brexit world and that Article 50 hasn’t been triggered yet. Considering your options through alternative routes now could save you a lot of potential heartache further down the line.

Choosing an alternative investment doesn’t have to be hard. Investors can get potential returns of 9% from various alternative government-backed sectors with Heron Global Partners. Contact us today to find out more.

Talk to an expert in the alternative investment market

Continue reading
The world's renewable energy investment forecast is fair

The world’s renewable energy investment forecast is fair

A lot of eyes are currently focused on the renewable energy investment scene because of the incredible returns it can potentially provide investors.

How? Because of the sheer amount of long-term renewable energy projects occurring worldwide as the world bids to exist on a future run by clean energy. The planning and adoption of clean energy across the globe has seen a boom in renewable energy investment growth as savers look to grow their money in ethical ways.

The high potential returns on offer from clean energy too make the renewable energy investment forecast look positively sunny, especially if areas such as Ethiopia and the Maldives achieve their future targets.

A positive-looking renewable energy investment forecast

The two countries are part of a group of 48 vowing to run off 100% clean energy by 2050. The areas are where climate change is hitting hardest, and is promising to work “as rapidly as possible” to implement clean energy solutions.

Renewable energy investment can not only help savers to grow their money, but also support projects similar to these to help countries and businesses run more of their infrastructure from clean energy.

Renewable energy investment can also take advantage of new, innovative trends. Wales, for instance, has been using its renewable energy investment wisely and is now one of the leading countries in the world – alongside Scotland – when it comes to clean energy production.

According to Green Alliance, counties in Wales such as Gwynedd and Mid Glamorgan are said to be the most improved when it comes to implementing solar and wind power. So much so that onshore wind power is now said to be cheaper than building new gas plants.

Capitalising on the trend of renewable energy investment growth

Morocco is another country that’s leading the way when it comes to clean energy solutions, especially in Africa.

As well as changes in the law such as banning plastic bags entirely and replacing its old bus and taxi fleets, Morocco is well on course to have more than half of its energy come from renewables by 2020.

They’ve reached this stage because of significant investment into its infrastructure, with new solar farms, wind and hydraulic dams being built to change the way the country views its energy status.

Before the projects almost all of Morocco’s energy was imported as the country had no fossil fuel reserves. Not only does it give Morocco more energy independence, but they’re looking to harness the energy they’re collecting and sell it to other countries.

Morocco isn’t just leading the way in Africa but across the globe with its renewable efforts. Savers and investors can look toward clean energy projects such as these to grow their capital in the long-term, and back a clean ethical sector that can only benefit the future direction of the planet.

Want to learn more about growing your savings and enjoying potential 9% quarterly returns? Discover what you can achieve from today’s positive renewable energy investment forecast. Speak to the Heron Global Partners team today.

Talk to an expert in the alternative investment market

Continue reading
A fixed return property investment can help you dodge a pricing monopoly

A fixed return property investment can help you dodge a pricing monopoly

Savers and investors have always traditionally looked at a property investment to grow their money, enter the world of bricks and mortar and save a nice nest-egg for retirement.

Only, these days the nation’s love affair with housing is much different than it was a decade ago. Changes to the buy-to-let scheme and fluctuating house prices are encouraging people to look into more alternative forms of investment.

A property investment, though, can still bring potentially huge returns if people choose the right financial solution; the right fixed return property investment can provide potential returns of 42.5% depending on the option they choose, and can help people dodge a UK pricing monopoly.

The advantages of an asset backed property investment

An infographic recently published on the Independent puts modern UK house prices into stark contrast, showing how a British Monopoly board would look with today’s house prices being taken into account.

The cheapest houses on the board now sell for over £800,000, with the most expensive properties selling for just shy of £2 million. It may be a fun way to look at a potential property investment in London, but it also highlights serious issues when it comes to UK house prices.

The average investor looking to enter the market in the capital for a property investment is more than likely to be picking up scraps. Recent research by Hometrack has shown that the affordability of homes in London is now at a record low. House prices in the capital are now said to be 14.2 times the average salary.

Growing your savings with a fixed return property investment

Not good news for people looking to enter the housing market with a property investment to grow their money. Reports are also predicting an end to the recent post-Brexit property boom, with the uncertainty of what happens when Article 50 is triggered set to cause house prices to flatline according to Savills.

The key word here is ‘uncertainty’. For people looking to buy a property to invest their savings, the next decade or so represents a risky time for them. If they’re not priced out, then the market’s fluctuations mean that people should proceed with caution at the very least.

A shortage of homes is also pushing housing prices higher; who knows how and when the government will finally get around to pushing new residential builds that will, at least, get first-time buyers onto the ladder?

The vast majority of these problems, though, can be overcome and avoided with an asset-backed fixed-return investment into property bonds.

Savers can grow their money over a fixed period of time from a low entry-level investment, can diversify their portfolios with property and, crucially, navigate away from the threat of a UK pricing monopoly.

A fixed return property investment in a government-backed sector is a fantastic way for investors to grow their money in the world of bricks and mortar, and can earn people potential fixed returns of 8.5%. Contact Heron Global Partners to find out more.

Talk to an expert in the alternative investment market

Continue reading
Why alternative investments are the next big thing

Why alternative investments are the next big thing

People are looking more toward alternative investments to grow their savings and cultivate a nest-egg for when they retire.

A lot of investors, in fact, are getting more creative with what they do with their money and are fast noticing the benefits of alternative investments at a time when yields are low and negative interest rates are hitting savers hard.

The time when people would immediately dismiss such a notion due to the perceived risks of alternative investments are fading fast. Instead traditional safe bets such as oil are seen as more of a risk as market volatility continues. The real question you should be asking is which alternative investments are best to grow your money?

What are the benefits of alternative investments?

The recent autumn statement by Chancellor Philip Hammond goes some way to explaining why alternative investments are gaining traction. Changes in buy to let legislation are expected to see landlords contribute £6.9 billion to the treasury by 2021, hitting those in the market hard.

Changes in the law announced in the Chancellor’s statement too are set to ban letting agent fees, again hitting buy-to-let landlords in the pocket, with many critics rounding on the government and accusing them of specifically targeting landlords to raise some extra cash.

Such changes are driving existing and potential landlords away from buy to let, with alternative investments in renewables, technology, supported housing and other propositions looking more attractive than ever for people who want to grow their savings.

Other political factors are also encouraging people to look toward the alternative route. A recent survey conducted by YouGov has found that nearly half of mass affluent Britons who benefitted from pensions reforms in 2015 are choosing to invest in alternative solutions thanks to the greater control they have over their own finances.

Getting expert advice on the risks of alternative investments

The looming spectre of Brexit is also playing its part in people wanting to put their money into alternative propositions. Younger investors are also apparently more adventurous when it comes to committing to alternative investments, with 19% under the age of 34 willing to invest post-Brexit. 44% of that age group will also look online for the right opportunity.

Coming around full circle, though, and the primary driver for people investing in alternative sectors is the pursuit of higher returns (40%). 38% also liked the idea of better tax efficiency while 33% said their main focus was to diversify their assets.

The current global political and financial climate is making it harder for savers to grow their money, while it’s no longer enough to go down the traditional routes for financial success. Alternative investing may be the best way to give yourself a financial boost whilst entering an exciting new sector.

Alternative investments can be a fantastic way for savers to diversify their portfolios into government-backed sectors such as property, technology and renewables. Contact Heron Global Partners today to find out more about seeing potential returns of 9%.

Talk to an expert in the alternative investment market

Continue reading
General Motors embraces renewable energy investment opportunities

General Motors embraces renewable energy investment opportunities

The renewable energy investment scene has been closely following the progress of the RE100 for a while now.

It’s something we’ve mentioned previously on our blog, and has helped turned people onto the world of clean energy and the renewable energy investment opportunities available to them that will help grow their finances.

The RE100 is a group of the world’s largest and most visible companies, all coming together to commit to powering their operations entirely through 100% renewable power.

With companies as influential as Apple, Nike, News Corp, the Scottish and Welsh governments and Google all involved, it’s little wonder that renewable energy investment is growing in popularity with such backing.

Grow your savings with renewable energy investment opportunities

One company that’s embracing its commitment to the RE100 model is General Motors, which has recently made its largest renewable energy purchase so far by buying a third of the power generated by a Cactus Flats wind farm development in Texas.

General Motors has purchased 50 MW of the 150 MW farm which will come online in the first half of 2018, and it’s set to power 16 of the company’s US-based facilities.

Movements such as these are excellent news from a renewable energy investment point of view. As Amy Davidsen, The Climate Group’s Executive Director, North America points out, “going 100% renewable makes business sense”.

General Motors is undoubtedly setting trends when it comes to investing in clean energy and are seeing the benefits first-hand of commercial renewable energy investment.

It’s not just businesses looking into becoming 100% run on renewable energy. 48 countries have recently agreed to run entirely from clean energy by 2050, and includes nations disproportionately affected by climate change including Ethiopia and Bangladesh.

How renewable energy investment funds can give you a savings boost

Scotland, one of the first destinations people look to for renewable energy investment, could be running on 50% renewable energy solutions by 2030 according to experts.

While momentum is certainly strong on a global level when it comes to adopting clean energy, there’s little doubt that the influence of the world’s largest companies will help achieve targets faster.

General Motors in fact, as well as the other companies within the RE100, are urging the European Union to encourage policymakers to revise energy legislation.

Doing so will help support businesses looking to go 100% renewable according to RE100, and further encourage clean energy adoption throughout business communities. It will also help global leaders reach their energy targets, and herald the dawn of a zero-emissions economy.

We’ll have to wait and see how the EU responds, and other economies like it. Whatever the reaction though, investing in renewable projects is a great way for savers and investors to diversify their portfolios into the green energy sector, as well as backing ethical opportunities to grow their money.

If you’re looking to grow your savings in a clean, ethical way, renewable energy investment opportunities may be an intriguing way to give your finances a boost. Contact Heron Global Partners today to find out more about potential quarterly returns of 9%.


Continue reading
There are more ways than ever to invest in property bonds

There are more ways than ever to invest in property bonds

People looking to invest in property bonds are spoiled for choice. In fact, investing in property as a whole is seeing something of an online renaissance. Large property brands are embracing the power of the internet to offer new ways of getting into bricks and mortar.

Zoopla is the latest company to offer something interesting to the property market. The brand are launching a peer-to-peer lending portal that they say allows investors to fund property deals from just £100.

The company claims to offer buy-to-let mortgages and tax-efficient online property ISAs through the portal. Founder Alex Chesterman says:

“Property investment has never been available to the masses before in this way. For those looking to get onto the property ladder or saving towards a property purchase, the ability to ensure that their investments keep pace with the property market is essential.”

Taking advantage of our fixed return property bonds

That’s an interesting point of view. However, Zoopla isn’t the only big brand looking to harness the power of the internet when it comes to property investment.

We do it ourselves with our property bonds to reach new audiences. Our property bonds are over a fixed five-year term, and can be another way for people to grow their savings for a house or retirement. This is especially pertinent at a time when owning your own property in the future is said to be a ‘luxury’.

Social change and improving technology is spreading throughout the property industry. Appear Here is a revolutionary start-up based in London and has already been hailed as a leader in the ‘prop-tech’ (property technology) industry.

The app makes it easy for people to discover empty spaces to open pop-up retail spaces and is looking to transform inner cities. Driving the boom of London’s prop-tech scene are larger property companies investing in the future of real estate, such as Cushman & Wakefield, who are looking to embrace innovation.

Invest in property bonds in the high-yielding supported housing sector

So what does this mean for individuals looking to invest in property bonds? Well, that smaller companies are revolutionising commercial spaces and residential properties through the power of the internet. With larger companies investing to open markets up more to the public, it provides investors with greater opportunities to grow their money through property.

There are a number of prop-tech companies that are being accused of being disruptive by traditional agencies, such as CrowdfundUP and Purplebricks Australia. Nonsense; disruption is good, and anything that can open property bonds up to more investors can only be a positive.

If you invest in property bonds with Heron Global Partners, for instance, you can help to fund and facilitate the government-backed HMO and supported housing sector. These projects are also supported by independent organisations; making this an excellent way for investors to grow their savings in a fixed-term manner.

If investing in Heron Global Partners’ fixed return property bonds interests you, helping you to earn between 6.5% and 8.5% fixed returns from an investment as low as £10,000, contact our team of property experts today.


Continue reading
Investing in renewable energy bonds with the help of new tech

Investing in renewable energy bonds with the help of new tech

You shouldn’t be turned off from investing in renewable energy bonds if you’re worried about factors such as energy storage.

Reports have emerged recently, stating that both Germany and China are having to slow down their renewables production. This is because the clean energy they’re producing is simply too much for their energy grids to handle.

That’s not necessarily bad news. In fact, it’s can be seen as a positive when it comes to investing in renewable energy bonds. It proves that the technology is working to generate clean energy for the world’s largest nations. If anything, a better strategy needs to be laid down to improve national grids and energy storage capacity.

Investing in renewable energy bonds to back the clean energy market

Those steps are already being taken in the UK. A breakthrough’s recently happened where data has been transmitted across the national energy grid for the first time in its history.

It’s not just great news for the renewable energy bonds market, but for the nation as a whole. It could lead to the creation of virtual power stations, and help homes and businesses to manage their electricity consumption in smarter ways.

This isn’t a one-off story. There are numerous examples across the world of renewable energy technologies being better refined, including wind turbines and solar panels. As technology advances and storage options becomes better, it could lead to us seeing a world run entirely from renewables sooner rather than later.

Those developments can also help investors grow their money through renewable energy bonds as projects advance across the globe. The International Renewable Energy Agency (IRENA) has recently called for renewables technology to become better refined to scale it up within inner cities by 2030, something which a number of providers are working on currently; another smart reason to invest in renewable energy bonds.

How to buy renewable energy bonds that offer fixed returns

Over in France and company, Nexans has produced a new generation of medium-voltage cables specifically designed to connect renewable energy sources to the grid. Not only will it offer a reduced environmental impact – it will also make joining renewables to the grid more cost-effective than ever.

Coming back to Germany… while it may have problems with the grid, energy storage specialists Sonnen GmbH are hard at work developing new, better batteries for long-term storage. Solar-plus-storage systems and other energy sharing platforms are also in development.

Technology is progressing alongside the growth of renewables in general. There may even be a time when we’re realistically harnessing the power of solar winds through extremely long cables.

Overall, it speaks volumes about the fast, progressive growth of the renewable energy market. Investors can potentially make significant gains if they back the right renewable energy bonds. As the industry grows, investors can grow their savings in fixed-rate, asset-backed ways with the right bond options.

Contact us if you’d like to know more about how to buy renewable energy bonds to diversify your portfolio. Back a clean, green ethical industry, and enjoy potential 10% returns from the wind energy market.

Continue reading
Investment in property bonds perform better over pensions

Investment in property bonds perform better over pensions

If you’re looking at an investment in property bonds then you’re not alone. Almost half of Britons believe that property is the best place to put their finances for retirement.

The data has been released by the Office for National Statistics (ONS). It also comes with another interesting piece of information. Only 25% of those surveyed felt that their employer pensions offered the best potential.

That data comes from possibly one of the most reputable sources in the UK. So it’s fair to say that we may well be entering a time when the standard pension is falling by the wayside in the popularity stakes.

As a result, investment in property bonds is a more attractive option than ever.

Why an investment in property bonds may be better than a pension

There’s more reason to look at property bonds. According to the data, personal pensions performed even worse than employer options, with only 6% believing they would make the most of their money.

So, why are options such as property bonds and property overall seeing so much love from investors when it comes to saving for retirement?

City A.M. believe they’ve found the answer. They feel that the trend is being spurred on by a younger generation of investors under 35 (millennials) struggling to see the value that pensions can offer for them in the future.

According to Nottingham Building Society, 24% of under-35s say saving for a property is their top priority with only 8% putting their money into a pension plan. A third overall are saving for their first home.

A sign of the times, perhaps, but don’t forget that the Bank of England’s chief economist Andy Haldane recently suggested that he’d rather put his money into property than a pension plan.

How do property bonds work against a typical pension?

He didn’t win many friends for saying it, but with the data available to use from ONS it’s hard to deny that he was on trend with his comments.

Of course, like every investment opportunity, it’s important not to put your eggs in one basket when it comes to investing in property. An investment into numerous sectors is better than putting all of your money solely into property, despite rising prices.

To that end, property bonds can be a more effective investment than sourcing a property (or waiting for the government to build new ones) and maintaining it in the long-term. The buy-to-let market is also still feeling the effects from George Osborne’s stamp duty rise, pricing a lot of investors out of the market.

Property bonds with Heron Global Partners however are available from as little as a £10,000 investment and focus on the government-backed supported housing sector. Bonds are fully approved by an FCA regulated company, with investment terms as short as five years.

How does investment in property bonds work with Heron Global Partners? By concentrating on the government-backed, high-yielding supported housing sector, our bonds can provide up to an 8.5% fixed return on investment.


Continue reading
Why invest in renewable energy bonds, whatever the political climate

Why invest in renewable energy bonds, whatever the political climate

Why invest in renewable energy bonds? As well as the impressive potential returns they can provide, they offer a sense of stability to investors at a time when traditional ‘safe bets’ such as oil and other non-renewables are in a state of flux.

We haven’t written about oil prices in a while, and with good reason. The industry’s still not in the best of places; prices per barrel are still low, and though they may rise a little intermittently, analysists say there’s little in the way of future momentum.

Why invest in renewable energy bonds instead of safe bets?

Attention, naturally, has turned to renewable energy bonds. Renewable energy bonds are now widely seen by a lot of investors not just as an alternative investment, but as the new ‘safe bet’ during times of trouble.

Factors such as a global oversupply are just one of the political reasons keeping the oil industry down, but renewable energy bonds can offer something of a shield against rough political climates.

Superpowers such as Germany are lauding the energy independence that renewables can provide, especially when armed conflicts occur. Germany Green Party MP Annalena Baerbock recently said: “When the conflict between Russia and the Ukraine started, we had a big debate about energy independence.

“People were thinking of how can we replace nuclear and also fossil fuels and that was the idea, to replace nuclear and afterwards coal with renewable energy.”

Germany’s just one of many countries seeing the benefits of energy independence through renewables; so much so that they’re having to scale back their wind efforts simply because the grid can’t keep up with how much energy the country’s providing.

How to invest in renewable energy bonds including wind and biofuels

Across Europe the energy industry has been transformed by renewables, with numerous fossil fuel providers desperate to get in on the action having identified the enormous commercial benefits renewables can provide.

Scotland’s efforts with renewables has been labelled a ‘quiet revolution’ while the Ukraine is the latest country to try and gain energy independence through solar and wind power, so it isn’t dependent on other nations for its energy.

The benefits are obvious when it comes to renewable energy bonds and renewables investment. The independence such platforms can provide make them a safer place to grow your money than a fossil fuel industry that – amazingly in 2016 – is still being marshalled at times for global political gain.

Even the United States says it wants to be energy independent, with net imports of petroleum in 2015 at their lowest level since 1970. With the global rise in renewables, there are numerous safe asset-backed fixed-return renewable energy bonds out there that can potentially grow investors’ money in safer ways than fossil fuels currently can.

Asking yourself why invest in renewable energy bonds? Some of those available in the wind industry can provide fixed returns of 10% from entry levels as low as £10,000. Contact the Heron Global Partners team today.


Continue reading