• Louise Sanders
• Investing, Property Investment
• July 1, 2024

Getting Started: How To Build A Rental Property Portfolio

Building a rental property portfolio can be an excellent way to achieve financial freedom, create an income stream and secure long-term wealth perhaps for future generations. However, investing in property does require careful planning, a clear strategy and a good understanding of the property investment market. This blog will cover the key considerations, benefits, steps to get started and potential risks involved in building a rental property portfolio.

How To Build A Rental Property Portfolio: Key Considerations

1. Financial Planning and Budgeting

Before diving into property investment, it’s crucial to assess your financial situation. Determine how much capital you can allocate for deposits, refurbishment works (if needed) and related purchasing costs. Consider consulting with a financial advisor to create a detailed budget and financial plan that aligns with your investment goals.

Key costs to factor in:

• Solicitor conveyancing fees and disbursements
• Bridging loan or other finance costs
• Property stamp duty tax (SDLT)
• Sourcing fees / marketing costs
• RICS survey / condition reports
• Limited company set-up fee (if purchasing within a company)
• Lender’s valuation survey and legal fees
• Mortgage arrangement and application fee
• Legal costs associated with lender’s security
• CHAPS transfer costs
• Investor viewing / mileage costs or independent viewing costs
• Accountancy / tax planning advice
• Seller’s legal fee (a common practice in auction purchases)
• Buyer’s premium fee (common practice with online auction purchases)
• New tenancy setup/ rental management costs
• Ongoing property management/maintenance costs

2. Market Research

Researching the property market is vital. Look for areas with high rental demand, economic stability and growth potential. Evaluate factors such as population growth, employment rates, house prices and local amenities. Use tools such as StreetCheck and Hometrack to obtain market data. Local estate agents can also provide valuable insights into market trends and property values.

3. Property Type

Decide on the type of properties you want to invest in, whether single-family homes, multi-unit blocks, Houses of Multiple Occupation (HMO’s) or commercial properties. Each type has its advantages and challenges. For example, multi-unit blocks can provide multiple income streams, while single-family homes might be easier to manage.

4. Financing Options

Explore the various financing options such as conventional mortgages, bridging loans or private investor funding. The use of funds from a SASS or SIPP pension could also be considered. Click here to read our blog about the use of pensions to invest in property. Compare interest rates, terms, early repayment charges and eligibility criteria. Building a good credit score and maintaining a low debt-to-income ratio can help secure better financing terms.

5. Legal and Regulatory Considerations

Understand the legal and regulatory requirements in the area where you plan to invest. This includes landlord-tenant regulations and licensing or planning requirements. Consulting with planning consultants or being a member of a landlord Association such as NRLA can help navigate these complexities and avoid legal pitfalls.

6. Property Management/Maintenance

Decide whether you will manage the properties yourself or use a property management company. Self-management can save costs but requires significant time and effort. Property management companies can handle tenant finding and referencing, maintenance, annual certifications and rent collection, allowing you to focus on expanding your portfolio. It may also be worth exploring the available online platforms that can help systemise and automate the property management process if you were considering self-management.

7. Structure of property portfolio business

Depending on your personal tax situation, you may want to consider owning property in either your personal name or within a Ltd company. When section 24 of the Finance Act 2015 was introduced, this legislation meant that landlords with properties held in their personal name could no longer offset mortgage interest against rental revenues when calculating income tax liabilities. For many, owning property within a Ltd company would be more tax efficient as mortgage interest payments can be treated as an expense therefore giving 100% tax relief against rental income. Speak to your accountant or tax advisor before deciding whether to invest in a personal name or company.

8. Right Insurance

The right insurance cover needs to adequately protect your properties/portfolio including accurate re-build costs. To find out the re-build cost of your property you can use the BCIS website calculator. Shop around for the best policy which should include accidental and malicious tenant damage, buildings insurance, fire/subsidence/water damage and liability cover in case of tenant injury. Rent arrears protection and eviction legal cost cover could be additional protection wanted.

9. Right Tenants

Having the right people in your properties will help protect profits and mitigate risks. Ensure your properties are well maintained, clean and in good condition to attract the best tenants. Always undertake thorough reference and affordability checks to ensure they can afford the rent and if having rented previously, they don’t have a history of missed rent payments. Use the most up-to-date tenancy agreement that abides to current legislation. Depending on whether you are using a lettings agent to find your tenant, you may also want to meet the tenant/interview them prior to them moving in.

10. Additional Streams Of Property Income

Aside from rental income, you may want to consider generating capital via other means of investing in property. This could include flipping or trading properties so that you can reinvest the funds into your portfolio or reduce the portfolio debt, sourcing properties for other investors, converting single family homes to larger HMO’s or joint venturing and co-investing with other, trusted partners.

Now You Know How To Build A Rental Property Portfolio – What Are The Benefits?

1. Income

Rental properties generate an income through monthly rent payments. In 2023/24 ensuring properties were cashflowing was more difficult for some landlord’s due to the increase in mortgage interest rates. Over time however, as rents increase, if your property is well managed and maintained, your cashflow will improve providing a steady stream of income.

2. Appreciation

Property in the UK typically appreciates in value over time. While market fluctuations can occur, well-chosen properties in growing areas can significantly increase in value, contributing to your overall wealth.

3. Tax Benefits

Depending on your personal tax situation, the type of property and whether the property is purchased in a personal name or Ltd company, property investors can take advantage of various tax benefits, including deductions for mortgage interest, ongoing running costs and insurance.

4. Diversification

A rental property portfolio diversifies your overall investment portfolio, thereby reducing risk. Property often performs differently than stocks and bonds, providing risk mitigation against these market volatilities.

5. Leverage

Property allows investors to leverage their investments. By using borrowed capital to finance properties, you can control more assets and potentially increase your returns.

6. Equity Building

As tenants pay down your mortgage and/or the property benefits from capital appreciation, you build up equity within your properties. This equity can be leveraged for future investments or used to improve your properties, further increasing their value and rental income potential.

How to Get Started With Building A Property Portfolio

1. Set Clear Goals

Define your investment goals. Are you looking for immediate cashflow, long-term appreciation, or a combination of both? Setting clear goals will guide your investment strategy and help you make informed decisions.

2. Create a Business Plan

A detailed business plan outlines your investment strategy, target markets, financing options, and growth plans. It serves as a roadmap, helping you stay focused and organised as you build your portfolio.

3. Save for Deposits

Saving for deposits is a critical step. Aim to save at least 30% of the property’s purchase price to cover the deposit and purchasing costs and to secure better financing terms. Consistent saving and smart budgeting can help you reach this goal. Alternatively you could joint venture with other parties who have the funds available to cover these costs.

4. Build a Team

Assemble a team of professionals, including an estate agent, mortgage broker, solicitor, build team and contractors, planning consultant and accountant. A knowledgeable and experienced team can provide valuable advice, streamline transactions and help you navigate the complexities of property investment.

5. Start Small

Begin with a small, manageable property. This allows you to gain experience, understand the rental market, and develop your management skills without taking on too much risk. Many start with single-family homes before moving onto larger projects.

6. Conduct Thorough Due Diligence

Before purchasing any property, conduct thorough due diligence. Inspect the property, complete deal analysis to understand its potential for rental income and appreciation and obtain quotes for any works needed. Verify the property’s title and any covenants or planning restrictions.

7. Secure Financing

Work with your mortgage broker to secure financing. Compare loan options, interest rates and terms. It’s ideal to have the finance agreed in principle before making offers as this demonstrates your seriousness to sellers.

8. Make an Offer

Once you find a suitable property make a competitive offer that works for you based on the analysis carried out. Work with your estate agent to negotiate terms and contingencies or offer direct to the vendor if no agent was involved in the marketing of the property.

9. Close the Deal

After your offer is accepted, proceed with the conveyancing process. This involves finalising your financing, completing the necessary legal paperwork, and potentially conducting a final inspection of the property to go through the schedule of works in more detail.

10. Complete Refurbishment Works

If the property requires any work doing to it prior to renting it out, ensure you use contractors that have experience with the type of project they’ll be working on, come recommended or you already have an existing relationship with.

11. Manage the Property

If managing the property yourself, develop a system for referencing tenants, collecting rent and handling maintenance requests. If using a property management company, ensure they have a good track record and clear communication channels.

12. Focus On One Property Type to Begin With

By focusing on only one type of property to begin with, you can systemise the entire purchasing and refurbishment process which enables you to do more property projects, quicker. You will gain a more in-depth knowledge of your chosen investment strategy, your area and the types of property you’re investing in. Once you’re experienced with this property type, you could then start to look at introducing a second type of property to begin investing in.

Expanding Your Property Portfolio

1. Reinvest Profits

Use the profits from your rental income to reinvest in additional properties. This compounding effect can accelerate the growth of your portfolio and increase your overall returns.

2. Leverage Equity

Leverage the equity in your existing properties to finance new investments. Bridging loans can be secured against equity in properties you currently own for example. If you refinance a property and release the equity, this can provide the capital needed to expand your portfolio without depleting your savings.

3. Diversify Locations

Consider diversifying your investments across different locations to spread risk and take advantage of various market conditions. Investing in multiple cities or areas can provide exposure to different economic drivers and reduce dependency on a single market.

4. Scale Up

As you gain experience and confidence, consider scaling up to larger properties, such as multi-unit blocks, HMO’s or commercial properties. These can offer higher returns and increased cash flow but require more capital and advanced management skills.

Risks In Building A Property Portfolio and How to Mitigate Them

1. Market Fluctuations

Although property in the UK generally increases over time, property markets can fluctuate due to economic conditions, interest rates, political changes and local factors. To mitigate this risk, consider investing in different locations and/or property types or tenant types and maintain a long-term perspective.

2. Tenancy Voids

High void rates can impact cashflow and profitability. Mitigate this risk by investing in high-demand areas ideally with future regeneration plans. This will help maintain good rental rates. Always provide quality properties that attract and retain tenants.

3. Property Damage

Property damage from tenants, natural disasters or accidents can lead to significant expenses. Mitigate this risk by conducting thorough tenant referencing, obtaining security deposits and maintaining adequate insurance coverage.

4. Legal Issues

Legal issues such as tenant disputes and compliance with regulations can cause legal issues. Mitigate this risk by staying informed about landlord-tenant regulation, having a good network and team around you and using current tenancy agreements. Membership to a Landlord’s Association provides access to advice and support.

5. Financial Risk

Over-leveraging or poor financial management can lead to financial difficulties. Mitigate this risk by maintaining a healthy cash reserve, avoiding excessive debt and work with an accountant to provide financial and tax advice.

6. Management Challenges

Managing multiple properties can be time-consuming and complex. Mitigate this risk by hiring a reputable property management company or developing efficient systems or processes for self-management.

FAQs For Building a Rental Property Portfolio in the UK

1. How do I finance my first rental property in the UK?

Financing your first rental property in the UK can be achieved through several methods:

• Buy-to-Let Mortgages: These are specifically designed for rental properties and typically require a larger deposit (around 25% of the purchase price) and ave ha higher interest rate than residential homeowner mortgages. Lenders also assess rental income potential to ensure it covers the mortgage payments.
• Residential Mortgages: If you initially intend to live in the property, you can apply for a standard residential mortgage and later convert it to a buy-to-let mortgage. Be aware of the terms and conditions of your current mortgage before doing so.
• Bridging Loans: Short-term loans that can be used to purchase properties quickly, ideal for property flips or auction purchases. These have higher interest rates and shorter repayment periods.
• Remortgaging: If you own a home with significant equity, you can remortgage it to release funds for the deposit or purchase of a rental property.
• Government Schemes: Various schemes, such as Help to Buy, can assist with purchasing properties, although these are generally aimed at first-time buyers and may not be suitable for buy-to-let investments.

2. What should I look for when buying a rental property?

When buying a rental property in the UK, consider the following factors:

• Location: Choose areas with strong rental demand, good schools, low crime rates, and proximity to amenities such as shopping centres, public transport and employment hubs.
• Property Condition: Ensure the property is in good condition or if not, can be improved within the budget you have available. Consider the age and state of major systems like plumbing, heating and electrics and what the costs to replace those could be.
• Rental Yield: Calculate the expected rental income and ensure it covers all expenses, including mortgage payments, voids, insurance, maintenance and management fees.
• Appreciation Potential: Look for areas with potential for property value appreciation over time such as new transport links or town centre regeneration.
• Tenant Demographics: Understand the type of tenants the area attracts (families, students, young professionals) and ensure the property meets their needs.

3. How do I manage my rental properties effectively?

Effective property management is crucial for maintaining your rental properties and ensuring steady cashflow.

• Tenant Referencing: Conduct thorough background checks, including credit history, employment verification and rental history to select reliable tenants.
• Tenancy Agreements: Use clear, up-to-date tenancy agreements that outline the terms and conditions of the tenancy, including rent amount, due dates, maintenance responsibilities and tenancy duration.
• Maintenance: Regularly inspect and maintain the property to prevent major issues and keep tenants satisfied. Promptly address repair requests and ensure the property meets compliance and safety standards.
• Rent Collection: Establish a consistent rent collection process, including late fees for missed payments. Use online payment systems for convenience and record-keeping.
• Communication: Maintain open and professional communication with tenants. Respond promptly to their concerns and foster a positive landlord-tenant relationship.
• Property Management Company: If managing properties yourself becomes overwhelming, consider hiring a reputable property management company to handle day-to-day operations. Alternatively you can joint venture with another partner or investment company who will manage the day-to-day running of your portfolio, offering you a more hands-free investment option.

5. How can I maximise rental yields of my properties in the UK?

Maximising rental yields involves several strategies:

• Renovations and Upgrades: Improve the property’s appeal by updating kitchens, bathrooms and living spaces. Modern, well-maintained properties can command higher rents.
• Furnished vs. Unfurnished: Consider offering furnished properties, particularly in student or professional letting markets, as this can attract higher rents. But always check what level of furnishing your target tenants are looking for.
• Energy Efficiency: Improve the property’s energy efficiency. Properties with good Energy Performance Certificate (EPC) ratings can justify higher rents and appeal to environmentally conscious tenants.
• Regular Rent Reviews: Conduct regular rent reviews and adjust rental rates in line with market conditions. Ensure you are charging competitive rates without pricing yourself out of the market.
• Additional Services: Offer additional services such as inclusive utility bills, high-speed internet, or cleaning services, particularly in HMO’s, which can justify higher rental rates and attract premium tenants.

Building a rental property portfolio requires careful planning, strategic investment, diligent management and a long-term perspective. By understanding the key considerations, benefits, and potential risks, you can make informed decisions and create a successful property investment portfolio. Whether you’re a beginner or an experienced investor, following these steps and best practices can help you achieve your financial goals quicker and build long-term wealth through property investment.

At Amplus Properties Limited we provide client focused and inspiring housing within the supported housing and Co-Living sector to help address the shortage of suitable accommodation that’s available.  

We work with busy professionals and business owners who would like to achieve hands-free returns on their capital. We typically work with investors who share our aim of wanting to make quality housing available to all and who would like to share in the profits we create through design-led property investments. 

By investing in property opportunities in the South East of London and Kent areas, we help our investors to grow their capital and achieve their own financial goals quicker.  

Please get in touch – we’d love to hear from you.

• Louise Sanders
• Investing, Property Investment
• June 17, 2024

Can I Invest My Pension In Property? Key Considerations

Can I Invest My Pension in Property To Build Wealth?

Investing in property has long been a popular strategy for building long-term or generational wealth. With the potential for capital appreciation and rental income, many people consider it a strong model for increasing their retirement funds.

But can you invest your pension in UK property? The answer is yes, but with several caveats. Here we’ll delve into the pros and cons of using your pension to invest in property, as well as the restrictions and considerations you need to keep in mind.

The Different Types of Pension That I Can Invest in Property

To invest your pension in property, you generally need to use a Self-Invested Personal Pension (SIPP) or a Small Self-Administered Scheme (SSAS). These are types of pensions that allow for a broader range of investments compared to traditional pension schemes.

If you already hold a pension/s within other schemes, you may be able to move your existing pension across to a SIPP or SASS, enabling you to utilise the funds for property investment.

Pros of Investing Your Pension in UK Property

Potential for Strong Returns: Property values in the UK have historically increased over time, offering the potential for capital gains and increasing the overall pension value.

Tangible Asset: Your pension investment is secured against a tangible and relatively secure asset class (a property).

Rental Income: Owning rental property can provide a steady stream of income, which can be particularly beneficial during retirement.

Diversification: Adding property to your pension portfolio can diversify your investments, potentially reducing risk.

Control: Investing through a SIPP or SSAS gives you more control over your investment choices compared to traditional pension funds where others are making those investment choices on your behalf.

Tax Benefits: There are tax advantages to holding property within a pension, such as tax-free growth of the investment and potentially avoiding Capital Gains Tax on the sale of the property.

Are There Any Cons To Using a Pension To Invest In Property?

Liquidity: Property is not a liquid asset. If for any reason funds needed to be accessed earlier than planned, selling property can take time. This may be problematic if quick access to the funds was required.

Market Volatility: The property market can be unpredictable. Although historically UK house prices have increased over time, economic downturns can lead to decreases in property values and rental income.

Management and Maintenance: Owning property comes with responsibilities such as maintenance, tenant management and dealing with regulatory changes. One way to mitigate these responsibilities is to work with a joint venture partner.

Upfront and Operational Costs: There are significant costs associated with buying and managing property, including legal fees, stamp duty, maintenance costs and property management fees.

Restrictions on Residential Property: SIPPs and SSASs typically cannot directly invest in residential property without incurring tax charges.

Fees: There can be a cost involved in the set up of a SASS or SIPP pension scheme as well as annual administration fees and these will depend on the pension provider being used. These costs should be factored in when considering the pension’s overall returns.

Lending Options: Not all mortgage lenders are happy to lend through a pension. It is therefore important to work with an experienced broker who can advise on the best lending options available.

Restrictions And Considerations For Pension Investments In Property

Commercial Property Only: Generally SIPPs and SSASs can only invest in commercial property, such as offices, shops or industrial units. Residential property investment is more heavily restricted through SIPP or SASS pensions. Depending on your scheme provider rules, you may be able to loan part of your pension to a third-party property investment company who is investing in/developing residential property. The key thing is that a SASS or SIPP pension cannot own a residential property.

Loan-to-Value Ratio: If you need to borrow money to purchase a property, there are restrictions on the loan-to-value (LTV) ratio. Typically pensions can only borrow up to 50% of the pension fund’s value.

Pension Scheme Rules: Each SIPP and SSAS provider has its own rules and fees, so it’s crucial to understand these before proceeding. Ensure the provider you plan to work with will enable you to use your pension in the way you want.

HMRC Regulations: Investments must comply with HMRC regulations. Non-compliance can lead to financial penalties.

Diversification: It’s generally advisable to diversify your pension fund investments. It may be worth considering investing your pension in other investments, alongside property, to help mitigate risks.

Steps to Invest Your Pension in Property

Set Up a SIPP or SSAS: If you don’t already have one, you’ll need to set up a SIPP or SSAS. This typically involves selecting a provider and transferring your existing pension funds into the new scheme. Speak to financial advisors and pension providers to determine which pension type and provider will be best for you and your investment plans.

Choose Your Property: Decide on the type of commercial property you want to invest in and conduct thorough due diligence. Alternatively you can consider investing in property in a more hands-free way by working with a company who invest in property and will take on the operational responsibilities of property investment on your behalf.

Arrange Financing: If necessary, arrange financing keeping in mind the borrowing restrictions.

Purchase the Property: Work with your SIPP or SSAS provider to complete the purchase, ensuring all regulatory requirements are met.

Manage the Investment: Once the property is purchased, manage it effectively to maximise returns, which includes handling maintenance and tenants. Or as mentioned above, work with a property investment company to provide a hands-free investment option.

Investing your pension in UK property can be an efficient way to help grow that pension pot for retirement but it’s not without its complexities. It requires careful consideration, planning and adherence to strict regulatory requirements which your chosen scheme provider assists with. If you’re considering this investment strategy, it’s advisable to speak with financial advisors who specialise in pension investments and property to ensure you’re making informed decisions that align with your retirement goals. By weighing the pros and cons and understanding the restrictions, you can make a strategic choice about whether property investment is right for your pension fund.

At Amplus Properties Limited we provide client focused and inspiring housing within the supported housing and Co-Living sector to help address the shortage of suitable accommodation that’s available.  

We work with busy professionals and business owners who would like to achieve hands-free returns on their capital. We typically work with investors who share our aim of wanting to make quality housing available to all and who would like to share in the profits we create through design-led property investments. 

By investing in property opportunities in the South East of London and Kent areas, we help our investors to grow their capital and achieve their own financial goals quicker.  

Please get in touch – we’d love to hear from you.

• Louise Sanders
• Investing, Property Investment
• June 3, 2024

Creating Wealth Through Hands-Free Property Investment

What Is Hands-Free Property Investment?

Hands-free property investment is a property investment strategy designed to minimise the active involvement of the investor in the daily operations and management of the property. This is achieved by an investor delegating most or all of the operational responsibilities to a third-party investment company who handle day-to-day tasks on behalf of the investor.

The use of a lettings management company to manage properties can sometimes be classified as hands-free investment but for the purposes of this article, we are referring to a strategic partnership between an investor and a third-party investment company who work together through some or all of the property investment stages perhaps as far as long-term hold..

This relationship can be structured in various ways, with a joint venture partnership being one method. In a joint venture the investor may receive a fixed interest rate on their capital, a share of the rental income and/or a share of the equity.

This strategy allows investors to benefit from property ownership without being directly involved in tasks such as property management, tenant screening, rent collection, maintenance and repairs.

Key Components of Hands-Free Property Investment

The various stages of property investing are managed by the third-party property investment company:

Property Sourcing:

Finding Opportunities: The process begins with identifying suitable investment properties that meet the investment criteria.

Due Diligence: They conduct thorough due diligence, including property inspections, market analysis and financial assessments to ensure the property is a sound investment.

Purchase Process:

Financing: If financing is required, the third-party company can assist with securing mortgages or other forms of funding. They may work with brokers to get the best deals.

Legals: They manage the legal process of the purchase, including contracts and conveyancing, ensuring all legal requirements are met.

Renovation and Refurbishment:

If the property requires renovations or refurbishment to maximise rental income or resale value, the third-party company can manage this process. They work with contractors and oversee the work to ensure it meets the desired standards and is completed on time and within budget.

Property Management:

Tenant Acquisition: Marketing the property, screening tenants and managing tenancy agreements would be managed by the third-party company or their chosen lettings agent. This includes conducting background checks and ensuring tenants meet the desired tenant profile.

Rent Collection: Collection of rent and handling any issues related to late payments or arrears would be manged by the third-party company or their chosen lettings agent.

Maintenance and Repairs: Routine maintenance and emergency repairs would be taken care of, ensuring the property remains in good condition without requiring the investor’s involvement.

Financial Management:

Accounting and Reporting: Investors receive regular financial reports detailing rental income, expenses and overall property performance allowing investors to track the financial health of their investment.

7x Reasons Why Smart Investors Choose To Invest In Property Hands-Free

Investors who opt for hands-free property investment often do so for several reasons:

• Reduced Time Commitment: They may lack the time or expertise to manage properties themselves and prefer to delegate these tasks to professionals. Investors, especially those with other professional or personal commitments, benefit from the minimal time required to manage their property. The third-party company handles all operational aspects, freeing up the investor’s time whilst also helping them to achieve their own financial and wealth goals.
• Geographic Diversification: Investors may want to invest in properties located in different cities or areas which would be more difficult to manage personally.
• Expertise: Property investment companies typically have experience and expertise in managing properties efficiently, which can lead to better returns for the investor. Their services provide access to experienced professionals who understand the property market, rental compliance and property management best practices. This expertise can result in higher returns and fewer rental management headaches.
• Risk Mitigation: By relying on professionals for property management, the risks associated with tenant issues, legal compliance, and property maintenance are significantly reduced.
• Portfolio Growth: Hands-free investment allows investors to scale their property portfolios without the increasing burden of property management. This scalability can lead to diversified investments and improved overall returns.
• Passive Income: Hands-free property investment allows investors to generate passive income without active involvement in day-to-day management tasks. Investors can generate income and/or capital appreciation without active participation, making it an attractive option for those seeking financial freedom or supplementary income.
• Scalability: Investors can scale their property portfolios more easily by delegating management responsibilities, allowing them to focus on investing in new properties rather than managing existing ones.
• Investing in property hands-free enables investors to enjoy the advantages of property investment without the complexities and demands of active involvement.

Considerations For Hands-Free Property Investing

Management Fees: Property management companies charge fees for their services, which typically range from 10% to 15% of the rental income plus additional, operational costs for maintaining the property and tenancy. These expenses need to be budgeted for to assess the projected investment returns.

Additional Costs: There may be extra costs for services as part of the ongoing management of the property such as tenant find, maintenance and emergency repairs.

Shared Goals: It’s important that before choosing to work with a third-party company that you have shared goals and values to ensure a more cohesive working relationship.

Long-term Commitment: Working with a third-party investment company is likely to be a medium to long-term commitment so all parties should enter the relationship with this commitment in mind.

Finding the Right Third-Party Company: It’s important to spend the time to find a trustworthy and competent company to work with.

Upfront Costs: There may be significant upfront costs involved in setting up the property for rental, including property acquisition, refurbishment works, marketing and tenant find fees.

Communication: Two-way open and transparent communication is important to establish a good working relationship.

Not in total control: By investing hands-free, the investor will have limited control over day-to-day decisions and property management practices.

Investments go down and up: Although property is considered a very stable asset class and property prices have historically increased over time, as with any investment, property can go down in value as well as up.

Agree Terms: It’s important to thoroughly understand any fees involved and the terms of the agreement before committing to a hands-free property investment.

Investment Goals: Align hands-free investing with your long-term financial goals and desired outcomes. Consider whether you prioritise steady income, capital growth or a fixed return.

Is Hands-Free Investing Right For You?

Deciding whether hands-free property investing is right for you depends on various factors related to your personal circumstances, financial goals, risk tolerance and investment preferences.

Time Availability: If you have a busy schedule due to work, family or other commitments, hands-free property investing might be ideal. It allows you to benefit from property investments without dedicating significant time to acquisition and management.

Preference for Passive Income: If you prefer a passive investment strategy where you don’t have to deal with the daily hassles of property management, hands-free investing offers a way to earn an income from property without active involvement.

Lack of Experience: If you’re new to property investing or lack experience in property management, relying on professional managers can mitigate risks associated with inexperience.

Leveraging Expertise: Property investment and management companies bring expertise in the acquisition and management of property, potentially leading to better property performance and higher returns.

Long-Term Investment: Hands-free property investing is suitable for long-term investors looking for steady income and capital appreciation over time.

Income Stability: If you seek stable and predictable income streams, professionally managed rental properties can offer consistent returns.

Risk Mitigation: Professional management can help mitigate risks related to tenant turnover, maintenance issues, and legal compliance. If you have a low tolerance for these risks, hands-free investing might be appropriate.

Dependency Risk: Consider your comfort level with relying on a third-party company. Choosing a reputable company is crucial.

Steps to Getting Started

Investment Strategy: Develop a clear investment strategy, outlining your goals, budget and timeline.

Research: Identify investment companies who are investing in your chosen area/s and who offer hands-free investment opportunities. Review their websites and social media platforms to get a sense of who they are and whether they share your values. Look for testimonials and example projects.

Consultation: Speak with potential investment companies to understand their services, fees, and investment processes.

Due Diligence: Conduct thorough due diligence on the property and the company before making a commitment.

Regular Monitoring: Even with hands-free investing, maintain regular oversight through financial reports and periodic reviews to ensure your investment remains on track.

Hands-free property investing can be an excellent option for those seeking passive income and professional management of their investments. It is particularly suitable for investors with limited time, those new to property investing, or those looking to scale their portfolios without the burden of daily management tasks. However, it is essential to know your personal and financial goals to determine if this strategy is the right fit for you.

At Amplus Properties Limited we provide client focused and inspiring housing within the supported housing and Co-Living sector to help address the shortage of suitable accommodation that’s available. 

We work with busy professionals and business owners who would like to achieve hands-free returns on their capital. We typically work with investors who share our aim of wanting to make quality housing available to all and who would like to share in the profits we create through design-led property investments. 

By investing in property opportunities in the South East of London and Kent areas, we help our investors to grow their capital and achieve their own financial goals quicker.  

Please get in touch – we’d love to hear from you.

• Louise Sanders
• Investing, Property Investment
• May 6, 2024

How Does A Joint Venture in Property Investment Work?

Joint Venture Property Investment: Is It Beneficial?

Joint ventures in property investment (also known as JVs) are a business collaboration where two or more entities decide to come together to jointly invest in a property-related project/s. This project could involve purchasing, developing, managing or selling a property with the aim of it being a mutually beneficial arrangement.

This is a strategic partnership whereby each party contributes resources such as capital, expertise, land or time to the venture and they share both the risks and rewards associated with the investment.

The partnership would be formed by the drawing up and signing of a legal document that defines how the profits would be distributed as well as the responsibilities for each party. Before agreeing to a joint venture it is important that you trust each other and are comfortable working together to ensure the partnership runs smoothly. Sharing the same goals, vision and values will mean you are both on the same page meaning the working relationship will likely be more successful.

For individuals or entities looking to pool their resources and share the risks and rewards of property investment, a joint venture can be an attractive option.

Key Considerations Before Setting Up A Joint Venture Property Investment in the UK

• Identifying Partners: The first step in establishing a joint venture is to identify suitable partners. These could be individuals, companies or organisations with complementary skills, resources and experience. For example, if one party provided the capital required for the project, the other party might provide their experience, knowledge, contacts and time to deliver the project.

• Defining Objectives and Responsibilities: It is really important to define the objectives of the joint venture and outline each party’s responsibilities. This includes determining the scope of the project, setting investment goals and establishing decision-making processes. It is also important to outline what would happen in the case of disagreement or worse, if a party was to pass away or become seriously ill. Clear communication and alignment of goals and values are crucial at this stage to avoid misunderstandings or uncertainty later on.
  
  
• Structuring the Joint Venture: Joint ventures can take various forms, such as partnerships, private limited liability companies or special purpose vehicles (SPVs). The structure chosen will depend on factors such as tax considerations, liability protection and the preferences of the parties involved. Legal and financial advisors should be consulted to help structure the joint venture appropriately for the purposes of the partnership or project.
  
  
• Financing the Investment: Financing is a critical aspect of any property investment and joint ventures offer partners a great opportunity to leverage their combined resources. Capital contributions from one/both partners can be used to fund the purchase, development or improvement of the property. External financing from mortgage/ bridging lenders or other investors could also be secured to supplement the financial contributions of partners.
  
  
• Executing the Project: Once the financing is in place the joint venture can proceed with executing the property project. This could involve tasks such as acquiring land or existing properties, obtaining necessary permits and approvals, overseeing construction or renovation work such as refurbishments or extensions and marketing the finished product. Each partner is responsible for fulfilling their agreed-upon roles, contributing to the project’s success and working through any challenges.
  
  
• Sharing Risks and Rewards: In a joint venture, partners share both the risks and rewards associated with the property investment. This means that profits generated from the project are distributed among the partners according to their ownership or as agreed upon in the joint venture agreement/contracts. Similarly, any losses incurred are also shared among the partners based on their contributions.
  

What Are The Benefits of Joint Venture Property Investment Partnerships?

• Pooling of Resources: Joint ventures allow partners to combine their resources, expertise and networks enabling them to undertake larger and more ambitious projects than they could individually. Finding a partner who has the skills or resources that you lack allows for greater leverage on the skills or resources that you do have.
  
  
• Risk Sharing: By sharing both the financial and operational risks of the investment, joint venture partners can mitigate their individual exposure to potential losses.
  
  
• Access to Expertise: Partnerships often bring together individuals with diverse skills and knowledge, enhancing the overall capabilities and success of the joint venture team.
  
  
• Opportunity for Growth: Joint ventures can provide opportunities for partners to expand their own portfolios, enter new markets or pursue projects that might not be feasible on their own. For some, starting their own property investment journey may be possible by working with the right partner.

What Are the Risks of Joint Ventures in Property?

• Financial Risks: Property investment does carry financial risks including market fluctuations, unexpected costs, increased contractor/materials prices and financing challenges. In a joint venture, partners may face additional financial risks if one party fails to fulfil its financial obligations or if the project does not generate the expected returns. By considering a number of project exits from the start, those risks can be mitigated.
  
  
• Operational Risks: Managing a property project involves various operational risks such as delays in development, regulatory challenges or tenant issues. Differences in management styles or disagreements among partners can exacerbate these risks and impact the smooth execution of the project and is why clearly defined responsibilities and transparent communication is key.
  
  
• Legal and Regulatory Risks: Property investment or development is subject to numerous legal and regulatory requirements. Joint venture partners must ensure all applicable regulations and compliance are adhered to – failure to do so can result in fines, prosecution or project delays.
  
  
• Disputes and Conflict: Differences in point of view, goals or expectations among joint venture partners can lead to disputes and conflicts that may compromise the success of the project. Effectively resolving these conflicts is important and requires effective communication, negotiation skills and a clear understanding of each party’s rights and responsibilities. Working together through disagreements is important for the project to be a success for all parties.
  
  
• Exit Strategy Risks: Joint ventures typically have a defined lifespan or exit strategy which outlines how and when the partners will exit the investment. However, unforeseen circumstances such as changes in market conditions or disagreements among partners can complicate the exit process and affect the final outcome. More than one exit strategy is advisable to mitigate such challenges.

At What Stages Do You Need Finances Available For The Property Investment?

Any property investment, with or without a strategic partner, will require funds for various stages of the project:

• Initial Investment: This stage involves financing the initial purchase of the property. Funds are needed for the deposit, legal fees, stamp duty land tax and any other expenses associated with acquiring the property. The amount required depends on factors such as the property’s purchase price, location and financing structure. By considering from the start whether you want to invest in a single property or multiple will help with later decisions particularly around financing.
  
  
• Refurbishment or Development: If the property requires refurbishment or development to increase its value or generate higher rental income, funds will be needed for redevelopment, materials, labour, professional advice, regulatory or planning requirements and other related expenses. This stage may require a significant upfront investment especially for extensive renovations or new development projects.
  
  
• Ongoing Expenses: Once the property is purchased or developed, funds are required to cover ongoing expenses such as mortgage payments, insurance, maintenance, repairs, utilities and property management fees. These expenses must be budgeted for to ensure the property remains profitable and well-maintained.
  
  
• Marketing and Tenant Acquisition: If the property is intended for rental, funds may be needed for tenant marketing or tenant find fees. This could include advertising expenses, tenant referencing fees, deposit protection and regulatory checks such as right to rent.
  
  
• Contingency Fund: It’s essential to have a contingency fund set aside to cover unexpected expenses or vacancies. This fund acts as a buffer against unforeseen circumstances such as maintenance emergencies or prolonged void periods.
  
  
• Expansion or Diversification: As investors seek to grow their property portfolios or diversify their investments, funds may be required for acquiring additional properties or expanding existing ones. This could involve leveraging equity from existing properties, securing additional financing or partnering with other investors.

Each stage of the property investment process requires careful financial planning and management to ensure sufficient funds are available and allocated effectively. Investors should conduct thorough due diligence, consult with financial advisors and develop investment strategies to help optimise returns and mitigate risks.

Joint Venture Profit Sharing Structures

Within property investment, joint ventures often employ various structures and profit-sharing agreements to align the interests of the parties involved and distribute the rewards of the investment appropriately. Below are some examples of property joint venture structures and profit-sharing arrangements:

Equity-Based Joint Ventures:

In an equity-based joint venture, partners may contribute capital equally or otherwise. This capital is used to acquire or develop the property, cover operating expenses, and generate returns.

The share of profits are typically distributed based on each partner’s contribution and would be agreed between all parties before contract signing. Contributions could include capital, time, experience, contacts or other resources.

For example if Partner A contributes 100% of the total equity, while Partner B contributes 100% of the time, effort, delivery, experience and contacts, profits may be distributed on an equal 50:50 basis.

Equity-based joint ventures provide clarity regarding what each partner will receive in terms of agreed profits, based on their individual contributions to the project.

Joint Venture Companies (SPVs):

Joint venture companies, or special purpose vehicles (SPVs), are commonly used structures for property joint ventures, particularly for larger-scale projects.

In an SPV structure, partners establish a separate legal entity (a company) to hold and manage the property investment. Each partner holds shares in the SPV according to their ownership stake and/or contribution to the joint venture.

Profits generated from the property investment are distributed to the shareholders of the SPV based on their shareholdings. This allows for flexibility in profit distribution and provides limited liability protection to the partners.

As with an equity-based partnership, profits and/or shareholdings can be agreed in any ratio but again this can often be a 50:50 split.

The choice of joint venture structure and how profits are agreed to be shared depends on factors such as the nature of the property investment, the roles and contributions of the partners, risk preferences and desired outcomes and expectations for the investment.

Joint ventures in property investment offer a powerful collaborative approach to property investment allowing partners to leverage their combined resources and expertise for mutual benefit. By sharing risks and rewards, partners can pursue ambitious projects and achieve greater success than they might individually. However, successful joint ventures require careful planning, transparent communication and a shared vision among all parties involved.

With the right partners and a well-structured agreement, joint ventures can be a powerful vehicle for unlocking investment opportunities within property to enable all parties to achieve their financial goals quicker, together.

At Amplus Properties Limited we provide client focused and inspiring housing within the supported housing and Co-Living sector to help address the shortage of suitable accommodation that’s available. 

We work with busy professionals and business owners who would like to achieve hands-free returns on their capital. We typically work with investors who share our aim of wanting to make quality housing available to all and who would like to share in the profits we create through design-led property investments. 

By investing in property opportunities in the South East of London and Kent areas, we help our investors to grow their capital and achieve their own financial goals quicker.  

Please get in touch – we’d love to hear from you.

• Louise Sanders
• Investing, Property Investment
• April 29, 2024

Should I Invest in Property?

Should I Invest in Property?

Investing is a key strategy for securing one’s financial future whether for themselves or future generations. Investing can also be a way to generate an additional income. Of the range of investment options available, each has its own risks and rewards and the decision-making process can be daunting.

Among the numerous investment opportunities available, property investment has shown to have steady historical growth making it a reliable asset class for investors. However, before diving into the world of property investment, it’s crucial to weigh up the pros and cons to determine if property investment aligns with your own financial goals and risk tolerance.

The Property Investment Market In London

The London property market is historically known for its buoyancy and international appeal to overseas investors. The city’s economic stability, cultural significance and strong demand for housing are well established incentives for potential investors.

Investing in the London property market can offer strong advantages for investors looking to diversify their portfolio and capitalise on the long-term growth opportunities London and the surrounding areas can offer.

Why investing in the London Property Market Can Be Advantageous for Investors:

Global Financial Centre: London is a global financial hub, attracting businesses and professionals from around the world. This contributes to a steady demand for both residential and commercial properties. The results of the 2021 Census showed that London’s population had reached 8.80 million, up from 8.17 million in 2011, showing an ever-increasing demand for housing.

Industries: London has several established industries particularly in the financial and professional services. Science and Tech industries are growing sectors for London and this growth and activity does attract businesses and professionals who want to live and work in the area.

Strong Rental Market: London’s rental market is robust, driven by a large and increasing population, a steady influx of students and professionals and limited housing supply. This presents opportunities for investors to generate rental income from residential properties, particularly in sought-after areas. In the previous 12 months to January 2024, the ONS stated that London rental prices had increased by 6.9%, the highest annual percentage change compared to anywhere else in the UK.

Capital Appreciation: Historically property prices in London have shown consistent long-term appreciation, typically outpacing inflation rates. Whilst recent years particularly have shown us that there can be short-term fluctuations, the overall trend tends to be upward, offering potential capital gains for investors over time.

Leisure & Culture: London’s cosmopolitan nature and cultural richness and diversity make it a desirable destination for businesses, professionals and visitors worldwide. International investors are attracted to the city’s prestige and global connectivity.

Educational Institutions: London is home to some of the world’s top universities and educational institutions and attracts students from across the globe. This creates a constant demand for student accommodation and rental properties, particularly in areas near universities.

Infrastructure & Regeneration Projects: Ongoing infrastructure projects, such as transportation improvements and urban regeneration initiatives, enhance the appeal and attractiveness of certain areas in London. Investing in properties located near these developments can offer potential for future appreciation. The recently opened Crossrail is an example of a large-scale transport project that has benefited the city as a whole and the local areas near stations. Similarly HS2, a National network rail upgrade which will connect London to Birmingham, is set to open in the 2030’s.

Diverse Property Options: London offers a wide range of property types from luxury flats in central locations to suburban family homes and commercial properties. This diversity allows investors to tailor their investment strategies according to their preferences, risk tolerance and financial goals.

Resilience to Market Volatility: Despite occasional market downturns or economic uncertainties, London’s property market has historically demonstrated resilience and the ability to recover and thrive over the long term.

While investing in the London property market offers numerous benefits, it’s essential for investors to conduct thorough research, consider their investment objectives and risk tolerance and seek professional advice to make informed decisions. Additionally staying up to date with market trends and regulatory changes can help investors navigate London’s active property investment market.

Is Investing in Property Worthwhile?

Before answering whether you should invest in property, firstly you need to know what property investing is and what does it involve.

Property investing involves purchasing, owning, managing, renting, or selling property for the purpose of generating income or capital appreciation. Property investment encompasses various strategies, including residential properties (such as single-family homes, houses of multiple occupation (HMOs) and blocks of flats), commercial properties (such as office buildings, commercial retail spaces, and industrial units) and land development.

Pros of Investing in Property:

Steady Income Stream:

Rental income from properties can provide a consistent cash flow, offering a reliable source of relatively passive income. Unlike other investments that may be subject to market volatility, rental income tends to be more stable providing financial security and flexibility.

Appreciation Potential:

Historically property investment tends to appreciate over time, thereby increasing the value of your investment. This appreciation can result from various factors such as economic growth, development or regeneration in the area, improved transport links, population growth and scarcity of land. While property values may experience fluctuations in the short term, property investment has shown long-term appreciation potential, making it an attractive investment for wealth accumulation.

Portfolio Diversification:

Property investment offers diversification benefits, reducing overall portfolio risk. Property investment often behaves differently than other asset classes like stocks and shares, providing protection against market volatility. Including property investment in an investment portfolio can help spread risk particularly during economic downturns or market downturns in other asset classes.

Tangible Asset:

Unlike stocks or shares which are intangible, property investment offers a tangible asset that you can see and touch. This tangibility can provide a sense of security and control over your investment. Property investment investors can physically inspect their properties, make improvements to enhance their value and can directly impact the investment’s performance.

Tax Benefits:

Depending on their personal circumstances and the type of property, property investors can take advantage of tax deductions such as mortgage interest, property taxes and operating expenses, potentially reducing their tax liability. Additionally property investment investors may qualify for special tax incentives and exemptions. These tax advantages can significantly enhance after-tax returns and improve overall investment profitability.

Inflation Mitigation:

Property investment serves as protection against inflation, as property values and rental income tend to rise with inflationary pressures. Rental income typically increases over time, allowing landlords to adjust rents to keep pace with inflation. Additionally, property values tend to appreciate in line with inflation. As a result, property investment can help investors maintain their standard of living and preserve wealth in inflationary environments.

Control Over Investment:

Property investment offers investors a high degree of control over their investments. Unlike other investment vehicles where performance may be influenced by external factors beyond an investor’s control, property investment investors have the ability to directly manage and improve their properties. Investors can make strategic decisions regarding property selection, financing, rental rates, tenant selection, property management and capital improvements to optimise investment returns.

Leverage Opportunities:

Property investment allows investors to leverage their capital and increase returns through the use of mortgage financing. By financing a portion of the property purchase price with a mortgage loan, investors can increase their purchasing power and acquire larger properties or multiple properties with less upfront capital. Leverage magnifies investment returns by allowing investors to control a larger asset base with a smaller initial investment, potentially enhancing overall investment profitability.

By understanding the pros of property investment and leveraging these advantages effectively, investors can build diversified portfolios, mitigate risk and achieve their financial goals over time.

Factors to Consider Before Deciding if Investing in Property is Right for You:

Before investing in property, it is essential for investors to conduct thorough research and carefully consider various factors to ensure alignment with their financial goals, risk tolerance and investment strategy. Here are some key considerations:

Define Investment Goals:

Clarify your investment objectives and goals. Are you seeking long-term capital appreciation, passive income generation or portfolio diversification? Understanding your investment goals will help guide your property investment strategy and decision-making process. For example, if your primary goal is to generate steady rental income, you may focus on acquiring properties in high-demand rental markets with stable cash flow potential. Alternatively, if you’re looking for more passive income, you may want to consider commercial property or a joint venture with another individual / company with time and property experience.

Assess Risk Tolerance:

Evaluate your risk tolerance and investment strategy. Property investment entails both financial and operational risks, including market fluctuations, tenant vacancies, property maintenance and financing risks. Determine your comfort level with these risks and align your investment strategy accordingly. Conservative investors may prefer low-risk properties with stable cash flows such as single buy-to-lets, while more aggressive investors may be willing to take on higher-risk properties with greater potential for capital appreciation such as larger scale developments.

Financial Considerations:

Assess your financial situation and available capital for investment. Consider factors such as your budget, financing options, deposit requirements and ongoing expenses (e.g., tenancy voids, insurance, maintenance). Determine how much you can afford to invest in property without compromising your overall financial stability or liquidity. It’s important to have a clear understanding of your financial resources and constraints before committing to property investment.

Market Analysis:

Conduct market analysis to identify attractive investment opportunities and potential areas. Evaluate factors such as local market conditions, property supply and demand, rental yields, property values, employment trends, population growth and local regeneration projects which could ultimately increase demand in the area. Look for areas with good investment potential as well as a strong rental market with potential future growth. Analysing market trends and forecasts can help you make informed decisions and identify properties that align with your investment goals.

Property Selection Criteria:

Develop clear criteria for property selection based on your investment goals, risk tolerance and market analysis. Consider factors such as property type (e.g., residential, commercial, mixed-use), location, area demographics, property condition, rental potential, amenities, local authority licensing regulations and any future redevelopment or regeneration projects. Define your investment strategy and focus on properties that meet your criteria and align with your strategy.

Due Diligence:

Conduct thorough due diligence on potential investment properties before making a purchase decision. Evaluate the property’s financial performance, rental history, operating expenses, potential voids, lease terms (for leasehold properties), property condition, title issues, environmental considerations such as its EPC grade and regulatory compliance. Engage qualified professionals such as structural surveyors, builders and solicitors to assist with due diligence and ensure the property will be a sound investment.

Exit Strategy:

Develop an exit strategy for each investment property based on your investment goals and market conditions. Consider factors such as holding period, target return on investment, market liquidity and potential exit options (e.g., sale, refinancing). Having 2-3 exit plans in place will help you make informed decisions, mitigate risks and maximise returns on your investment over time.

The Cons of Property Investment:

Illiquidity:

Property investment is relatively illiquid compared to other investments. Selling a property can take time and may involve transaction costs such as selling agent fees, solicitor costs and taxes. The lack of liquidity can limit investors’ ability to quickly access their capital or adjust their investment portfolio in response to changing market conditions or financial needs.

High Initial Investment:

Purchasing property requires a substantial upfront investment including deposits, solicitors’ costs, taxes and refurbishment expenses. This can pose a barrier to entry for some investors, particularly those with limited capital or financing options. The high initial investment requirement may limit diversification opportunities and increase exposure to individual properties or markets.

Maintenance and Management:

Property ownership entails ongoing responsibilities such as maintenance, repair and tenant management. Dealing with tenants, voids and property maintenance can be time-consuming and stressful. Property management requires active involvement and may require hiring professional property managers or a maintenance person adding to operating expenses and reducing net rental income.

Market Risk:

Like any investment property investment is subject to market fluctuations. Economic downturns or local market changes can affect property values and rental demand which can in turn impact investment returns. Market risk can vary by location, property type and market conditions making it essential for investors to consider diversifying their property portfolio and carry out thorough market research.

Financing Risk:

Property investment often involves borrowing funds through mortgage financing exposing investors to financing risk. Changes in interest rates, availability of credit or lenders criteria can impact mortgage rates, loan terms and financing availability. Investors with high levels of debt may be vulnerable to interest rate hikes, refinancing challenges or default risk particularly during economic downturns or periods of financial instability.

Tenant Risk:

Rental properties are subject to risks associated with tenants including tenant turnover, non-payment of rent, property damage and disputes. Finding and retaining reliable tenants can be challenging but important to help mitigate the risks associated with having tenants. Tenant-related issues can disrupt cash flow, increase void periods and require legal or eviction proceedings resulting in financial losses and operational headaches for landlords.

Regulatory and Legal Compliance:

Property investment entails compliance with various regulatory and legal requirements, including local authority licensing and planning regulations, building control, landlord-tenant laws, environmental regulations and tax obligations. Failure to comply with these regulations can result in fines, penalties, prosecution or legal disputes, affecting investment returns and reputation. Staying informed about regulatory changes and maintaining compliance is essential for property investors to mitigate legal risks and protect their investments.

Property Depreciation:

While property values generally appreciates over time, certain factors such as physical deterioration, tenant damage or changes in market conditions can lead to property depreciation. Aging properties may require costly renovations or upgrades to maintain competitiveness and rental appeal. Property depreciation can erode investment returns and require ongoing capital expenditures, impacting the overall profitability of a property.

To Summarise – Should I Invest in Property?

Whether you should invest in property depends on your individual circumstances, your financial goals, risk appetite and long-term vision.

Before diving into property investment, assess the considerations discussed in this article. Conduct thorough research, consult with professionals and develop a well-defined investment plan. Do consider alternative investment options and ensure that property investment aligns with your overall financial goals.

Property investment offers numerous advantages, but it also entails several challenges and risks that investors must consider. Property investment can be a rewarding and a sensible choice for those looking for long-term wealth accumulation, passive income and portfolio diversification.

At Amplus Properties Limited we provide client focused and inspiring housing within the supported housing and Co-Living sector to help address the shortage of suitable accommodation that’s available.  

We work with busy professionals and business owners who would like to achieve hands-free returns on their capital. We typically work with investors who share our aim of wanting to make quality housing available to all and who would like to share in the profits we create through design-led property investments. 
 
By investing in property opportunities in the South East of London and Kent areas, we help our investors to grow their capital and achieve their own financial goals quicker.  

Please get in touch – we’d love to hear from you.