Tag Archives: Property investment

Why UK taxes are good news for the property bond investor

Why UK taxes are good news for the property bond investor

Become a property bond investor, and you can potentially grow your money in bricks and mortar whilst avoiding UK property taxes.

Depending on the options a property bond investor chooses, they can sidestep what have been shown to be some of the highest property taxes in the world.

Recently the impartial independent fact checking charity Full Fact decided to look into whether the UK did indeed have the highest property taxes in the world. As well as recent raises in stamp duty by previous Chancellor George Osborne, they confirmed that the UK does indeed raise more in property taxes overall than any other developed country.

For investors that’s bad news, especially those looking for returns from a very expensive buy to let market. Property bond yields, however, may be the answer investors are looking for when they want to grow their money in the world of bricks and mortar.

How a property bond investor could seriously grow their savings

Part of the reason why the property bond sector looks so attractive for people looking to grow their savings is the rippling effect such high taxes have had on the buy to let market. Those very changes to stamp duty and an end to tax relief for mortgage interest costs has seen being a landlord with a second home become more expensive than ever before.

There may be another worry looming around the corner for landlords, too. Since the new tax changes have come into effect one in four people are looking to sell their homes and get into other investment opportunities such as the property bond market to grow their money.

Pete Redfern, chief executive of Taylor Wimpey, one of the UK’s biggest builders has called on the government to shift stamp duty to sellers rather than buyers to help people enter the market. An interesting proposal, but one that may potentially lock landlords into buy to let as they look to sell their home and recoup their savings.

Take advantage of high fixed return property bond yields

It’s just one of the many ideas mooted by those within the housing industry to try and navigate their way through stamp duty changes and tax amendments that are helping to make potential landlords think twice about buy to let.

The reality is though that, after the autumn statement, the tax burden doesn’t look like it’ll be lifted any time in the near future which is a real issue for those that have specifically invested in buy to let and property to take advantage of rental yields.

Changes to letting agents’ fees are also set to hit landlords hard. That majority of these taxes, though, could be navigated effortlessly with a high-yielding property bond solution that grows people’s savings in a secure way.

Depending on a property bond investor chooses, they could earn people potential returns of 42.5% in an asset-backed, fixed-return bond solution in a government-backed sector. Contact the Heron Global Partners team today to find out more.

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UK property investment is still a favourite worldwide

UK property investment is still a favourite worldwide

Last year, we faced fears of recession, uncertainty surrounding the outcome of Brexit, and various other economic and political influences. Nevertheless, it’s interesting to see how resilient the UK property investment market has proven to be for investors, especially those considering a property bond.

Our property options are drawing investors from far and wide toward the UK, with property bond investment especially popular because of changes to buy to let and other varying factors.

With many experts predicting the property market in the UK would crash post-Brexit referendum, there has been much surprise with the commercial and residential sectors going from strength to strength.

Investors can take advantage of that good feeling with a fixed-return property bond that grows their savings.

Why are so many people considering a property bond investment?

So why does a UK property investment look so attractive? We’ve mentioned some of the negative factors, but there are also numerous positive benefits of a property bond beyond the potentially high returns on offer.

The market’s sheer resilience – proved first-hand recently – is a major factor in attracting investment. The current weakness of the pound against other currencies has also encouraged foreign investors to take the plunge, especially from North America considering the currency’s current strength against the dollar.

Individuals still find the consistently strong yields a draw when it comes to UK property investment, although the changes in buy to let legislation are making that a trickier investment avenue to go down (hence people turning to the security offered by a fixed-return property bond). Bonds are still offering better yields than buy to let.

The property scene is also seeing the introduction of a new breed of investor within the UK as Britons look to get on the housing ladder as new builds finish completion and people enjoying their pension freedoms looking to grow their money in bricks and mortar.

Building a UK property investment portfolio

When talking about UK property investment, it’s also important to look further afield and consider the political climate across the globe. Since Donald Trump has become President-elect, many over in the US are apaprently considering the prospect of moving to the UK, despite Brexit looming.

Closer to home, many experts believe that a forthcoming ratings revaluation will boost regional investment markets. Meanwhile, opportunities outside of London are also expected to grow thanks to falling rates bills.

Overall, though, all of these factors and more paint a picture of a strong, resilient UK property market. It offers enormous opportunities for investors to grow their money whilst interest rates are either low or negative – another reason why people look at property. Pick the right bond options, too, and there’s the potential there to seriously grow your funds from a low entry level investment.

If you’d like to build a property bond portfolio and see potential returns of 42.5% depending on the options you consider, earning in a fixed-return asset-backed way in a government-backed sector, contact Heron Global Partners today to find out more.

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What the autumn statement means for your buy to let or property bond

What the autumn statement means for your buy to let or property bond

Last year’s autumn statement – the first by Chancellor Philip Hammond – showed exactly why interest in a property bond is so high amongst investors.

When previous Chancellor George Osborne was in office, he raised stamp duty and was accused of ‘targeting landlords’. It was one of the factors that boosted enquiries for property bond availability. Many investors looked for other ways to grow their money through bricks and mortar as an alternative to buy to let.

Many existing landlords and potential new ones had their fingers crossed that Philip Hammond would reverse Osborne’s buy to let measures. Instead, new legislation introduced by Hammond has made the humble property bond look more attractive than ever before.

How low entry level property bond costs can boost investor savings

The right property bond option can help investors to earn up to 42.5% depending on the choices they make. Meanwhile, investments available through Heron Global Partners are also fixed-term and asset-backed with regular payment options.

And, with Philip Hammond ordering that letting agents’ fees are to be banned “as soon as possible”, there’s another potential stumbling block for landlords looking to make good returns from a buy to let investment. This could mean that landlords have to pay the fees themselves, or cope by putting rents up. Neither option sounds too attractive from a landlord’s perspective.

Most disappointing for buy to let landlords and those looking to invest in a second property is that Osborne’s introductions remained untouched. That leaves the future of buy to let as an investment opportunity rather cloudy. People looking to get into the property market for the potential to earn high yields may need to look elsewhere.

Buying to let is still a way for investors to make money, but that’s become unquestionably harder over the last couple of years. And with tougher mortgage checks set to be introduced for people wanting to buy a second home, a property bond may very well be the best way for investors to grow their savings.

Getting potentially large returns from low property bond yields

Of course, this is all headline news. But to put a real face to the changes, consider the story of Phil Stewardson and his brother. Both are buy to let investors who recently told the Telegraph they feel the government has seriously let them down.

The Stewardsons are just part of a wave of landlords who feel the same. No one wants to feel that they are essentially being farmed for profits and tax by the Chancellor. In many cases, their love for all things property-based is waning.

One in four landlords are, in fact, selling their properties as a result to the changes, taking their money elsewhere. Personally, we feel that the best alternative is a property bond, which allows investors to get fixed returns while keeping their money in a sector they know and love.

If you’d like to learn more about property bond availability, contact Heron Global Partners today. You could earn potential returns of 42.5% (depending on your options) in an asset-backed, fixed-return way.

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What does Trump mean for UK property bond investments?

What does Trump mean for UK property bond investments?

Since Donald Trump became President-elect, we’ve been fielding a lot more questions about property bond investments, as people seek financial security in these times of upheaval.

It’s fair to say it feels like the world has become a different place in the space of a few short months. So, could property bond investments be a good route to go down not just to protect savings, but to also grow them in a world of biting negative rates?

When it comes to Trump and his effect on the UK property market, the truth is we won’t know what happens until he takes office. However, making property bond investments in the right ventures will always be a good idea.

Growing your savings with a property bond investment

As many are pointing out Trump has a soft spot for the UK, especially Scotland where he’s currently developing a golf course. The Republican, though, is also expected to bring a lot of investment back to his own country due to a personal and political disinterest in global trade deals.

However, some feel that investors over in the US are already looking to put their money into UK property – particularly in London. The capital is seen by some as a safe haven for cash while the markets figure themselves out. This is one of the more attractive features of a UK property bond, and it’s not just US citizens who may look increasingly to London.

Camilla Dell, managing partner of property agency Black Brick, believes a lot more investors in the Middle East will begin to consider property bond investments and other UK opportunities, thanks to Trump’s comments during his election campaign about people of the Muslim faith.

How to find property bond investments with potential for high returns

The residential market in the UK could also simply see a lot more US expats head toward the UK. The fall in value of the pound against the dollar means there are a lot of attractive propositions on offer for overseas buyers looking to get away.

Trump, as Forbes points out, is also a keen real estate entrepreneur. So, as we and many others have mentioned, it’s simply unknown what will happen in Washington until Trump is firmly behind his desk. There may be more restrictions to the global market, or it could be bursting with opportunity.

Britons have to keep in mind that there’s Brexit to contend with, too. Brexit could hit property prices in 2017 and the case for buy to let looks weaker than ever. Property bond investments are therefore a valuable way to get potentially high regular returns, so long as you find bonds that work for you.

Make the right choice, and a property bond can help to grow your savings in a fixed-term manner, while markets continue to be gripped by uncertainty.

Property bond investments can earn you potentially high returns in a fixed-term, asset-backed way in a government supported sector. Contact Heron Global Partners to find out more.

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Fixed return property investments better than buy to let?

Fixed return property investments better than buy to let?

Fixed return property investments are on the up, though it’s sad to see what appears to be a buy to let crisis looming on the horizon.

For landlords anyway, at least. The government is set to rake in close to £7 billion over the next five years thanks to changes in legislation, carrying on from the stamp duty rises put into effect by previous Chancellor George Osborne.

What does it mean for UK property investments? Put simply it means that investors are looking more at fixed return property investments and bonds to make potentially serious money from bricks and mortar, rather than subject their savings and future finances to a murky future.

Are buy to let UK property investments right for you?

We don’t make these comparisons lightly; rather, data is showing that one-in-four landlords are now selling their initial property investments because of the financial hardships that buy to let is now presenting to them.

Things aren’t going to get much better too, meaning people that took the plunge on other homes as buy to let property investments are set to face future tax increases to complement the changes in stamp duty they’re already having to cope with.

Between 2017 and 2020, landlords will have to pay tax on the full amount of the profits they earn, less tax relief fixed at 20%. That’s terrible news for mortgaged landlords who have taken out buy to let property investments that are paying 40-45% tax. They’ll be paying much more, as will some basic-rate taxpayers that will be pushed into a higher bracket.

Some people become a buy to let landlord simply for the sheer love of all things property and the satisfaction it provides. It’s fair to say though that the majority enter the market to grow their savings – a prospect that looks further away than ever thanks to changes in legislation.

How fixed return property investments can grow your savings

The burden may be eased far into the future, but for savers and investors looking to grow their money with retirement imminent, can they really wait in hope that things may change?

The Bank of England is also set to make it harder than ever for buy to let investors to borrow thanks to a crackdown in their mortgage policies. With Chancellor Philip Hammond also banning letting agents’ fees in his recent autumn statement, problems keep on piling up for people that want to or have invested their time and money in the buy to let market.

It’s part of the reason why people are looking more toward property bonds and fixed-rate asset-backed alternative investments in the housing sector.

The right investment can not only help people avoid a lot of those situations when growing their money, but provide them with low entry level investments while providing quarterly or bi-annual payments alongside capital growth options.

If you’d like to know more about the incredible, potentially high returns fixed return property investments can provide – possibly up to 42.5% depending on the options you invest in – contact Heron Global Partners today to find out more.

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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.

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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.

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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.

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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.

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Fixed return property bonds offer stability in a varied regional market

Fixed return property bonds offer stability in a varied regional market

Fixed return property bonds can provide stability to investors who are looking to get into the property market, but are worried about losing out in the long-term through fluctuating prices.

The average house brick in a property is worth £47.44. That’s according to the Centre for Economics and Business Research (Cebr) with regional variations taken into account.

According to Barclays Mortgages, a brick in a house in Belfast, for instance, has been valued by the company at £22.09. In contrast, a brick at a typical London property is worth a whopping £121.08.

How to invest in property bonds across the UK

Nothing really surprising there. But when you consider that the cost of a brick a decade ago was £35.70 (increasing by 33% since) then it’s easy to see why people look to invest in property bonds.

A brick in London is set to be worth close to £150 by 2020, with many saying that these figures bring a lot of confidence to the overall property market. They do, but from an investment point of view it’s worth doing your research and identifying regional trends.

The UK lettings market recorded regional growth in August, with the number of new listings rising by 1.3% (great news for those interested in buy to let). However, there have been reports of mixed results in regional areas across the UK.

Some areas are performing better than others, though growth is still happening and confidence is strong. Such fluctuations can put a dent in investors’ long-term plans, which is why property bonds that carry fixed rates are proving so popular.

Property bonds with Heron Global Partners, for instance, carry fixed returns between 6.5% and 8.5% on an investment over a period of five years. This helps to negate any fluctuations in regional property prices.

Why look for fixed return property bonds

London has been accused of carrying the entire country’s property market up with it, according to some commentators. Yet a number of local councils are investing heavily to boost their regions and raise house prices, with £1 billion set to be spent this year on real estate alone.

Again, research is needed before committing to a property investment. Which areas are going to increase in value quicker than others, and what obstacles may be in the way with Brexit just around the corner?

There are no guarantees in the property market, which is why property bonds are an investment favourite; especially property bonds that offer fixed returns.

As well as offering investment security, our bonds assist the growth of the government-backed supported housing sector, are asset-backed, and also offer bi-annual interest payments or capital growth options. A great way for investors to grow their money in the property sector without losing out.

Are you interested in growing your money through fixed return property bonds that can offer fixed returns of up to 8.5%? Find out about making a property investment with as little as £10,000 in a secure manner. Contact the Heron Global Partners team to find out more.

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