Property portfolio builder program

overseas investment property
Let us do the hard work for you!

It is no doubt the best time to buy property with property prices bottoming out and interest rates at their lowest. We are here to help clients take advantage of a lifetime opportunity by working alongside them in meeting their property acquisition requirements. No matter if you are a seasoned investor or it is your first time, we are here to help in formulating a clear profitable strategy which will GUARANTEE you INSTANT EQUITY from day one!

We have acquired over £20m of property for ourselves and clients to date and through our tried and tested systems can source property to your needs. The Portfolio Builder Program is for those individuals who do not have the time to source the property, do the due diligence, work alongside letting agents and manage properties, maintain the properties, have sufficient knowledge of the financing packages available and in essence is a complete 'hands off' property investment service where we literally do everything.

It’s well documented in the media that people are not saving enough for their retirement & with an aging population the state pension will not provide us with an adequate income. One of the best alternatives is property; here are some of the big reasons to own investment property:

  • Equity Release –Tax-free & providing there is sufficient growth this can be done with 5-7 years!
  • Monthly Income- Proving sufficient care is taken you can have a small income from your property each month.
  • Access- Money can be released via remortgaging.
  • Prices- Prices have fallen around 20% from peak & many indicators stating they have stabilised! Probably a great time to buy now! With an average of 40% off the peak of 2007!
  • No Pension- Most pensions require regular payments.  

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The 10 step process

1. We will do a fact find establishing whether you own any properties at the moment and any other investments.

2. We then move onto your short, medium and long term aims and how you wish to achieve these.

3. We assess your attitude to risk and understand your own assumptions such as house price growth , rental growth, interest rates, economical factors etc

4. We then devise a plan of action specifically to meet your needs and start the acquisition process generating you instant equity from day 1!

5. We provide you with a full due diligence report on each property we select for you and the reasons why we think you should purchase. Ultimately the decision will be yours with our thoughtful guidance.

6. We put the contracts in place with the vendor to secure the property at an agreed discounted price.

7. We source the entire finance market for the best product to acquire the property and do all the paperwork on your behalf to secure you the finance and instruct the valuation to proceed to full offer.

8. We work with out highly competent solicitors to ensure the full conveyancing cycle is done within efficient timescales and make sure all the searches are clean and the property is fit to buy.

9. We will source the best insurance policy for you at the cheapest premium.

10. We will work alongside letting agents to acquire a tenant, project manage any maintenance required through our own tradesman and manage the property for you.

Bespoke portfolio building service

This service is bespoke to your specific needs and gives you priority on all properties.

Furthermore, you will receive personal one-to-one mentorship which will help your decision making and enhance your knowledge in the property market place.

Often mentorship services themselves cost many thousands, contact us now on by completing the form for a free consultation and review!

 

An Investment example for a property worth £100,000


Property Valuation (RICs)*

£100,000

This is the valuation determined by a qualified RICs surveyor

Discounted purchase price

£75,000

This is the price we have negotiated for you directly with the vendor

Instant equity (25%)

£25,000

This is the instant equity you have acquired by buying at 75% of the RICs valuation

Required deposit

£18,750

You will need 25% deposit of the purchase price £75,000

75% mortgage @ 4.35%

£56,250

This is the amount of your mortgage with the lender

Monthly mortgage payments

£205

This is the cost per calendar month for an interest only mortgage as per the rate of 4.35% (rates fluctuate)

Monthly Rental income

£495

This is your monthly rental income

Positive cashflow

£270

This is your monthly return – producing £270 positive cashfow monthly, with over £3000 per annum

Future capital growth @ 5% per annum

~ £28,000

Based upon 5% per annum capital growth in 5 years time you will benefit from over £28,000 growth, which would mean your house is worth £128,000 at least, therefore giving you £70,000 worth of equity assuming you have not remortgaged.

Capital growth and rental returns over 5 years

~ £44,200

Assumed rents stay the same and thus accounting for maintenance, you would have made circa £44,000 over 5 years, meaning a monthly return of £733 per month.

*On a property worth over £100,000 your investment will proportionally be higher and equally on under £100,000 it will be less.

 

Case Study of a portfolio package we sourced for an investor

Property One breakdown

Portfolio Case Study 1, Property 1

Property Type:

Semi Detached

Location:

Manchester

Market Value:

£135,000

Discounted Purchase Price:

£101,250

Instant Equity:

£33,750

Mortgage @ 75% of £101,250 :

£75,937

Monthly Mortgage Payment (4.35%) :

£275

Monthly Market Rental:

£525

Positive Cash Flow:

£250

 

Property Two breakdown

Portfolio Case Study 1, Property 2 

Property Type:

Terraced

Location:

Oldham

Market Value:

£115,000

Discounted Purchase Price:

£86,250

Instant Equity:

£28,750

Mortgage @ 75% of £86,250 :

£64,687

Monthly Mortgage Payment (4.35%) :

£235

Monthly Market Rental:

£500

Positive Cash Flow:

£265

 

Property Three breakdown

Portfolio Case Study 1, Property 3

Property Type:

Semi- Detached

Location:

Cheshire

Market Value:

£145,000

Discounted Purchase Price:

£108,750

Instant Equity:

£36,250

Mortgage @ 75% of £108,750 :

£81,562

Monthly Mortgage Payment (4.35%) :

£295

Monthly Market Rental:

£625

Positive Cash Flow:

£330

 

Total Portfolio Package Breakdown

Total Portfolio Value:

£395,000

Mortgage Amount:

£221,186

Instant Portfolio Equity

£98,750

Monthly Mortgage:

£805

Monthly Rental:

£1,650

Positive Cash Flow:

£845

 

The total amount invested is £15,000 + VAT (across three properties) in exchange for over £95,000 in equity as well as cash flow of £845 per month!

The return on your investment over 5 years assuming 5% capital growth:

Current Portfolio Value

5yr Capital Growth

£ 395,000

£ 504,131


That's a MASSIVE £109,131 capital growth over 5 Year's!

 

Here is another example of a property package we have sourced on behalf of a client

Property One breakdown

Portfolio Case Study 1, Property 3

Property Type:

Terraced

Location:

Manchester

Market Value:

£100,000

Discounted Purchase Price:

£75,000

Instant Equity:

£25,000

Mortgage @ 75% of £75,000 :

£58,250

Monthly Mortgage Payment (4.35%) :

£204

Monthly Market Rental:

£450

Positive Cash Flow:

£246

 

Property Two breakdown

Property Type:

Terraced

Location:

Derby

Market Value:

£110,000

Discounted Purchase Price:

£82,500

Instant Equity:

£27,500

Mortgage @ 75% of £82,500:

£58,250

Monthly Mortgage Payment (4.35%):

£224

Monthly Market Rental:

£450

Positive Cash Flow:

£226

 

Property Two breakdown

Property Type:

Semi-Detached

Location:

Derby

Market Value:

£120,000

Discounted Purchase Price:

£90,000

Instant Equity:

£30,000

Mortgage @ 75% of £90,000:

£67,500

Monthly Mortgage Payment (4.35%):

£245

Monthly Market Rental:

£500

Positive Cash Flow:

£255

 

Total Portfolio Package Breakdown

Total Portfolio Value

£330,000

Mortgage Amount:

£221,186

Instant Portfolio Equity

£82,500

Monthly Mortgage

£673

Monthly Rental

£1,400

Positive Cash Flow

£727

 

The total amount invested was £15,000 + VAT (across three properties) in exchange for over £82,500 in equity as well as cash flow of £727 per month.

The return on your investment over 5 years assuming 5% capital growth:

Current Portfolio  Value

5yr Capital Growth Investment

£ 330,000

£ 421,173


That's a MASSIVE £91,173 capital growth over 5 Year's!

 

Please note these examples are for illustration purposes and every individual’s circumstances vary and the marketplace is continually changing. This program is typically for investment properties in the North of the country including Scotland and Wales.

For south properties – the total amount varies subject to individual circumstances. Please email or call us to enquire about this.

Interested?

Contact us and we will then be happy to provide you with a personal 1-2-1 consultancy to establish your goals. Once we have established your requirements we will request a small payment as a deposit. Note - we do not ask for the entire deposit upfront as we believe as a company we should get paid for results.

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