Frequently Asked Questions

What do Buy-Investment-Properties do?
We source investment properties throughout the UK with genuine discounts of up to 35% off the true market price, which is qualified by an independent RICS surveyor. We offer the most financially efficient way of building a strong asset base whilst giving you peace of mind through our portfolio review & planning service. Our investment service is completely free, giving you privileged access to armchair investments, articles, newsletters and personalised consultations.

Is property investment for you?
Read our why invest in property page for a complete answer

Do I need to view the property before I reserve?
Most of our investors never see the properties as we provide an armchair investment, however we would always suggest that you feel comfortable with the investment through your own due diligence.

How do I reserve a property?
You will be asked to provide proof of funding through cash or a pre-approved mortgage.

Can you help with mortgages?
Our specialist mortgage team can help you source the most appropriate mortgage for your situation and often source exclusive rates with the lenders due to their long standing relationships and strength in the marketplace.

What type of mortgage should I go for?
We suggest you go for an interest only mortgage when purchasing a buy to let property. All our figures are calculated based on interest only mortgages. Furthermore there are tax benefits and we suggest you speak to your accountant.

Are buy to let mortgages based on my income?
No, providing you have good credit rating, the money you can borrow is based on the rental income. As we aim to achieve at least 125% rental coverage you can be confident you will get access to the best mortgage product available on the market.

Can I have more than one Buy to let property?
Yes. Most of our investors have bought several buy to let properties through us and are still looking to grow their portfolio through our Portfolio builder service

Can you recommend a solicitor?
Our hand picked solicitors would be more than happy to assist you and as a matter of fact we recommend that you use our solicitors due to their experience and the speed at which they work.

When will I be required to exchange contract?
You are usually required to exchange contracts ASAP of your solicitor receiving the contract from the seller's solicitor

How do I buy property through Buy-Investment-Properties?
You need to register FREE to receive notification of our properties. Due to the competitiveness of our properties, they often go very quickly and hence we operate a first come first serve process. Upon reserving the property we will manage everything until completion.

How much money do I need to invest?
You generally need to have 25% deposit plus the standard fees associated in purchasing a house. We do not charge a set fee as we look at each property individually and work out how best to structure the deal so as to create a win: win situation for all parties involved. Some of our investors have released equity in the current home to acquire a number of properties.

Is now a good time to invest in property?
Property has always been a great investment especially if you are minimising your risk through buying at discounted rates and positive rental cashflow.

What about property prices going up or down?
Due to the undersupply of housing stock in the UK and an increasing population there is a demand for property. Just like any market prices are governed by supply and demand, thus property prices will generally rise. However any fluctuation downwards would normally be covered by the price reduction you achieved when you first bought the property.

What if the value of my property goes down?
One should view property as a medium to long term view of investment acquiring a balanced portfolio over a number of years. Properties have historically risen every seven to ten years in the UK and have done so for the last fifty years. Furthermore, as you are buying below market value, the market would need to drop below the percentage value of the price you paid to have any significant impact.

How does my personal status or credit affect me?
It is important to have a good credit history for any type of borrowing and the buy to let lenders will check your credit rating to asses their risk and satisfy the criteria for lending purposes. Our highly experienced mortgage brokers do their best to ensure you get a competitive mortgage product, however if your credit rating is not so good this can mean a higher interest rate.

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