Investment Real Estate in the UK – Why and How to Buy

It’s not hard to buy real estate in the British Isles. In troubled or unstable economic times, investment real estate in the U.K. is a great way to diversify your holdings and minimize your risk. In this article, we’ll discuss some of the important facets of residential real estate investing in the Great Britain.

Buying Investment Property in the U.K.

Real estate transactions are fairly straightforward and usually start with an offer to buy that’s followed by formal contracts that are contingent on a survey and proof of a clear title to the property. When buying real estate, a small deposit of about 10% is placed to hold the property while the sale is formally completed. The seller’s solicitor or lawyer holds the deposit. Note that when the formal contracts are exchanged, the parties are legally bound to complete the transaction. Although most real estate deals in the country are for freehold properties, there are some sales for leasehold apartments that range from 99 to 999 years. It’s important to note that in Scotland neither the buyer nor the seller can back out of the contract once the offer for a realty investment is accepted.

The Home Condition Report

When you’re purchasing residential investment property, it’s a good idea to obtain an HCR or “Home Condition Report” that is a detailed documentation of the property’s condition by a certified inspector. The inspection takes 2 – 4 hours and covers all the major components of the property. The seller pays for the HCR, so be sure it’s included in the general “Home Information Pack” (HIP) that the seller provides.

Completing the Sale

Other items related to making a real estate investment should be handled by a solicitor or lawyer. The fees involved when you buy investment property add up to about 4% of the selling price and cover legal fees and land registry. If the property is valued over £60,000, there’s also a stamp duty of from 1% to 2% of the selling price. And if you need a mortgage, don’t forget to budget for the cost of application, valuation fees and survey.

Taxes and Interest Rates

Property tax is another expense buyers face. It’s payable on a rating system where band A is the lowest and band H is the highest. The property’s rating is determined by comparing it to other similar properties in the neighborhood. Property taxes range from £400.00 per year and up. It’s likely that most buyers will need a mortgage to buy investment real estate. Buyers can borrow up to 90% of the property’s value with a term of 25 years. First-time buyers often get special deals, so be sure to look around for the best possible rate.

Faster Return on Investment

Buying investment real estate in the U.K. is a popular choice for people who want to tie their savings to something substantial. Real estate investments usually grow faster than more conservative options like savings accounts. Just be sure you understand both the risks and rewards before property investing.

Ian Clark is a real estate consultant and advisor in UK. He has extensive experience in all aspects of Real Estate Investment built over 20 years . He is also the Director of Midas Estates, an online real estate website offering property investment opportunities in UK and overseas. Midas Estates is a property investment company also dealing with Investment Real Estate with an aim to provide maximum capital growth for the clients as the majority of the clients are looking to secure financial security in the shortest time possible. Ian’s honest presentation of the real estate investing business, including both profit and risks is respected for his sincere, candid approach. He is highly regarded as one of the most sound, dependable source for the specifics behind the sometimes tricky and exigent facets of real estate investing.

To get more information and for a 30 minute no obligation absolutely free consult in how to make your property investment strategies work log on to http://www.midasestates.com/real-estate/.

Article Source: http://EzineArticles.com/expert/I_Clark/176350

 

Real Estate Investment – Some Things You Should Know

A little-known real estate investment vehicle in the U.K. is the real estate investment trust (REIT). In this article, we’ll discuss this method of property investing and present some information you might find useful if you’re considering investing in a REIT.

REIT Basics

The first thing to know about a REIT is that it’s a way for corporations to buy investment real estate in way such that their corporate income taxes are reduced or eliminated. REITs are required by law to distribute 90% of their income, a fact that makes them very attractive to real estate investors. REITs are similar to mutual funds for stock investments, except that they function with real estate rather than stocks. Since mutual funds are safer investments than buying individual stocks, REITs are safer investments than buying individual pieces of real estate property. They’re great ways to buy investment property without all the risk and expenses associated with direct ownership.

Types of REITs

REITs are similar to corporations in that they can be held publicly or privately. If publicly held, REITs can be listed on public stock exchanges in the same way shares of common stock in corporations are listed. There are 3 types of REITs: equity, mortgage and hybrid. Equity REITs involve ownership of and investment in real properties and their income comes primarily from the rents charged on these real estate investments. Mortgage REITs involve ownership of and investment in property mortgages. Their income comes from the interest they earn on mortgage loans. Hybrid REITs generate income from both real estate investing and making mortgage loans.

Features of REITs

In the U.K., real estate investment in REITs is governed by the Finance Act of 2006. The legislation became effective in January of 2007. At that time, REIT status was granted to 9 property companies in the U.K. Key features of REITs in the U.K. include the following:

The company must be located in the U.K. and must be listed on a recognized stock exchange.

A single person or entity cannot hold the majority of the shares in the company. A single person or entity cannot hold more than 10% of the shares.

The property-letting activities of the REIT must comprise at least 75% of the company’s overall business activities, including both income and assets.

Investors must receive at least 95% of the REIT’s net taxable profits, but the REIT must withhold any applicable taxes.

Reasons to Invest in REITs

Property companies that convert into REITs will benefit substantially from both the tax exemption and the increased ability to generate income via the stock market. Investors benefit because they gain access to the asset class property investing with its significant dividend returns. REITs also provide good diversification, a must for any serious investor. So, if you’re looking to introduce some diversity into your holdings, consider the real estate investment known as a REIT in the U.K.

Ian Clark is a real estate consultant and advisor in UK. He has extensive experience in all aspects of Real Estate Investment built over 20 years . He is also the Director of Midas Estates, an online real estate website offering property investment opportunities in UK and overseas. Midas Estates is a Real Estate Investment company with an aim to provide maximum capital growth for the clients as the majority of the clients are looking to secure financial security in the shortest time possible. Ian’s honest presentation of the real estate investing business, including both profit and risks is respected for his sincere, candid approach. He is highly regarded as one of the most sound, dependable source for the specifics behind the sometimes tricky and exigent facets of real estate investing.

To get more information and for a 30 minute no obligation absolutely free consult in how to make your property investment strategies work log on to http://www.midasestates.com/real-estate/.

Article Source: http://EzineArticles.com/expert/I_Clark/176350

 

Real Estate That Suits Your Needs

Before Making A Move In The Real Estate Market

The property market is always fluctuating, however over the last few months the international and local property market seems to be slowing down. It is always a good investment to purchase cheap homes for sale and to find the best deal around you need to have a good estate agent. Besides a good investment, finding a dream home is what most people try to achieve.

First Step to Buying

The first step to achieve this dream is to hire local reputed estate agent or real estate broker. This is because a realtor will have all the listings in and around your neighborhood and will help narrow down on possible homes that would be within your budget.

What You Can Do

There are some people that use their property to get quick cash as well. You could also do the same but it is very important to find the best real estate for sale. If you buy a home in a tourist area, you could always list it as a vacation rental.

Where to Look

When you are looking to buy residential real estate in your neighbourhood, you can start by checking on local newspapers and bulletin boards. The Internet is a great place to find best deals, this is because it has a wider avenue of property listings. You can find real estate properties that are available locally, in the country and worldwide too. The Internet makes it easier for people to buy property in the international market. Even estate agents will not have such a wide listing of residential or commercial real estate.

Are You Ready to Own Real Estate Property

Most people would reply with a “Yes”, well in reality, owning property has other responsibilities and a hidden cost. The price that the real estate for sale is agreed upon is unrelated to the other costs of owning the property. It starts with the payment for the mortgage, which could include the Private Mortgage Insurance (PMI). This provides the lender a safety-net in case you miss on payments. Another cost once sales are completed is that of the homeowner’s insurance and property taxes. Most people generally assume that this is covered in the payment they made to own their new homes. Well! This is not the case, so you must ensure that this part of the deal is discussed thoroughly with the loan officer and taken care of with utmost care.

Other Additional Costs

Once you own home real estate the other expected/unexpected bills are for the maintenance, sewer and water. At times, this could be included in the property taxes but you must have this checked as well. Electricity and heat are other costs that you must check as well, since these can vary as well. New homes or previously owned homes vary in energy efficiency and this may also depend on the appliance, windows etc.

Ian Clark is a real estate consultant and advisor in UK. He has extensive experience in all aspects of Real Estate Investment built over 20 years . He is also the Director of Midas Estates, an online real estate website offering property investment opportunities in UK and overseas. Midas Estates is a Real Estate company with an aim to provide maximum capital growth for the clients as the majority of the clients are looking to secure financial security in the shortest time possible. Ian’s honest presentation of the real estate investing business, including both profit and risks is respected for his sincere, candid approach. He is highly regarded as one of the most sound, dependable source for the specifics behind the sometimes tricky and exigent facets of real estate investing.

To get more information and for a 30 minute no obligation absolutely free consult in how to make your property investment strategies work log on to http://www.midasestates.com/.

Article Source: http://EzineArticles.com/expert/I_Clark/176350

 

Buy Real Estate – A Guide For Buying

For those who want to buy real estate in the U.K., there are many factors to consider. In this article, we’ll present some important information about how to find houses that are both affordable and attractive. So, read on to learn the basics of buying real estate property in the British Isles.

Real Estate Prices in the U.K. Can Vary By Region

Buying real estate in the U.K. is a straightforward process. Although properties in the south usually carry a higher price than those in the north, it’s still possible to find attractive values just about anywhere in the U.K. Buyers should know, however, that real estate buying and prices can vary considerably, not only from north to south, but also from east to west. Here are few very general examples:

Some Pricing Examples

For a semi-detached home in the north, whether residence or investment property, you can expect to pay about £60,000. Semi-detached housing is a type of construction in which two houses are built side-by-side but share a common wall between them. The floor and room layout of one house is the mirror image of the floor and room layout of the other. Semi-detached homes are especially common in the suburbs. Semi-detached prices in the southeast are quite a bit more expensive than homes in the north at about £110,000. In the southwest, prices are somewhat less expensive, with about £80,000 being the norm. Homes with cottage type styling are always in high demand. These charming homes have prices from £85,000. Detached homes can cost from £140,000 to £600,000. Finally, city apartments, especially if located in London, usually start at £200,000. Waterfront properties are even higher. Overall, the average residence price in the U.K. is well over £90,000, an important figure to take into account when buying your home.

Best Locations to Buy U.K. Real Estate

Favorite locations to buy real estate in London include Mayfair and Knightsbridge. For those who want a more rural or suburban setting, good choices are Devon and Cornwall in the west as well as the Lake District, Wales and Scotland. Buyers should also think about the cost of living when considering real estate investing. For example, a couple with 2 children can expect to spend about £105.00 per week on food and drink, about £125.00 on housing and about £35.00 on transportation. When taken together with other factors like childcare costs, social and cultural activities and clothing and footwear, a typical family in the U.K. will spend an average of £435.96. Although these costs can vary by location (with London and environs being the most expensive), potential buyers should consider them when reading realty listings.

Buying Real Estate in the U.K. is a Good Investment

For those who intend to buy real estate in the U.K. there are many housing options that are sure to appeal to a variety of buyers.

Ian Clark is a real estate consultant and advisor in UK. He has extensive experience in all aspects of Real Estate Investment built over 20 years . He is also the Director of Midas Estates, an online real estate website offering property investment opportunities in UK and overseas. Midas Estates is a property investment company dealing with selling and Buying Real Estate with an aim to provide maximum capital growth for the clients as the majority of the clients are looking to secure financial security in the shortest time possible. Ian’s honest presentation of the real estate investing business, including both profit and risks is respected for his sincere, candid approach. He is highly regarded as one of the most sound, dependable source for the specifics behind the sometimes tricky and exigent facets of real estate investing.

To get more information and for a 30 minute no obligation absolutely free consult in how to make your property investment strategies work log on to http://www.midasestates.com/real-estate/.

Article Source: http://EzineArticles.com/expert/I_Clark/176350

 

Real Estate Property Investing – Some Information For Prospective Buyers

Buying real estate property for investment in the U.K. isn’t as hard as you might think. Once you understand the basics of real estate investment, the process is straightforward. What is buy to let property? Simply put, it’s a real estate property that a real estate investor purchases with the intent of renting it out to either businesses or private citizens. In this article, we’ll present a few simple tips for those who are considering buy-to-let investment.

Do Your Homework First

Before you buy real estate for investment, you should thoroughly research the current market. If possible, try to find other people, either in your area or on the Internet who have experience in this type of investment. Seek their advice for real estate investing and consider it well. Also, check online and in bookstores for guides on the subject. You should be well aware of the disadvantages as well as of the advantages before you look at any buy to let property that’s offered for sale.

The Importance of Location

Next, choose a location. A successful real estate investor knows the hottest locations as well as those to avoid. You need to consider your market here. For example, if you want to rent to families, be sure to find real estate properties in neighborhoods with schools nearby. Urban families are also likely to need close access to public transportation. If you’re aiming for younger tenants, a neighborhood with trendy shops and proximity to nightclubs and other entertainment venues is ideal.

Don’t Underestimate the Competition

You should also consider whom you’ll be competing with when you buy investment property. Check out real estate prices on web sites like “Primelocation” or “Rightmove” to see what other investors are buying and what they’re charging their tenants. A property listing on these sites will also help you determine how long it will take to rent a property in a specific area.

Crunch the Numbers

Once you’ve determined the area, financial analysis is the next step in property investing. For example, you’ll need to determine whether your rental income will cover the mortgage payments. Also, note that mortgage lenders will likely require a deposit of between 15% and 30% of the property’s market value. Once you’re the owner of the property, it’s important to set aside some funds to cover any emergencies that might occur, such a having to make significant repairs to one of the property’s mechanical systems, like plumbing.

Invest for the Long Term

While working out the finances, be sure to ask yourself some tough questions, like “How long can I afford to pay the mortgage if for some reason the property isn’t rented for several months?” If your answer is less than 2 months, you probably aren’t ready to invest in rental property. A final piece of advice is that you should have reasonable expectations. Very few investors can “make a killing” by flipping houses. Remember that you’re in for the long term and that over time a well-chosen real estate property in the U.K. is highly likely to increase in value.

Ian Clark is a real estate consultant and advisor in UK. He has extensive experience in all aspects of Real Estate Investment built over 20 years . He is also the Director of Midas Estates, an online real estate website offering property investment opportunities in UK and overseas. Midas Estates is a property investment company also dealing with Real Estate Property investment with an aim to provide maximum capital growth for the clients as the majority of the clients are looking to secure financial security in the shortest time possible. Ian’s honest presentation of the real estate investing business, including both profit and risks is respected for his sincere, candid approach. He is highly regarded as one of the most sound, dependable source for the specifics behind the sometimes tricky and exigent facets of real estate investing.

To get more information and for a 30 minute no obligation absolutely free consult in how to make your property investment strategies work log on to http://www.midasestates.com/real-estate/.

Article Source: http://EzineArticles.com/expert/I_Clark/176350

 

Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.