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Always Work with a Reliable and Knowledgeable Marylebone agent

You are in good company whether you are renting, selling, or buying a property in Marylebone. Over the centuries, numerous many famous like the Beatles, poet Lord Byron, and Sherlock Holmes have called this London neighbourhood home. With its High Street lined with restaurants, pubs, and shops, the area is well served by tube and bus yet is close quarters everything the capital has to offer. Thanks to this, Marylebone feels like an authentic London ‘village’.

You need to work with a knowledgeable, reliable Marylebone estate agent if you are dealing with property in Marylebone. Working with a knowledgeable agent can help you to make the procedure go as smoothly as possible. It also helps you to find the house or flat of your dreams in this much sought-after area or help ensure a quick sale. The property market of London can be confusing as it seems to be constantly changing. Therefore, you must work with a real estate agent who understands the market. You want to work with someone who has extensive knowledge of the area and has a comprehensive understanding of this London district.

It would be best if you also worked with someone who has the exact experience you need when looking for the right estate agent to work with. If you plan to purchase a property, work with a broker who has a good track record when it comes to buying. If you are renting, it is sensible to work with an agent who has in-depth knowledge about the London rental market. If you are selling your property in Marylebone, working with a dynamic and reliable selling agent can enhance your chances of that all-important quick sale. Of course, when looking for a good estate agent, it is important to work with an agent who answers emails, returns phone calls, and generally treats the transaction of your property transaction with the urgency it deserves.

Whether you are buying or selling, Jeremy James would like the opportunity to work with you as well as be your preferred Marylebone estate agent of choice. With over three decades of experience, the company understands the local market, allowing you to rent, sell, or buy in the area as efficiently as possible. All the agents of the company have plenty of insider knowledge, are experienced, and will do their best to help you with your property requirements. Jeremy James is literally in the heart of this popular area with offices on New Cavendish Street. For more details visit https://jeremy-james.co.uk/

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Real Estate    

Types of Investment Property Loans

Are you thinking about getting into the investment property business? It can be super profitable and filled with challenges that’ll keep you on your toes all day, every day. Of course, you’ll need to secure some financing if you’re ready to take on a mortgage that enables you to buy your first (or next) rental property. Fortunately, there are plenty of options beyond the conventional loan that might pop into your head at first thought. Here’s a quick rundown of a few popular options.

1. Private Lending

Private lenders are people or companies who can lend money to you, but they’re not tied to any bank or credit union. With this type of lender, the loans typically happen reasonably quickly because the application process is informal. Some private lenders may be more willing to work with you if you have poor credit than would a traditional financial institution. You’ll be required to adhere to the terms of your lender’s loan, just as you would with a bank or credit union, and you’ll still be paying interest because that’s how your investor makes money.

The biggest attraction to this type of loan is typically the expediency in which the loan transaction often occurs. Bear in mind, however, that private lenders often want their money back much quicker than a bank would, so you probably won’t be able to get a 30-year mortgage from a private investor. These types of loans are best if you plan to pay your investors back in three to five years.

2. Hard Money Lending

Hard money loans are also secured by private investors (either individuals or groups) who agree to give you the money needed for a very short term—usually around 12 months but sometimes up to five years. With these loans, you’ll be required to make a balloon payment at the end of the term, which will pay back the principal plus the accrued interest. The focus on this type of loan is the value of the property. If you’ve had a recent foreclosure or short sale, you might have problems getting a loan with a traditional financial institution. However, hard money lenders might still be willing to contribute to your investment.

3. Debt Crowdfunding

Debt crowdfunding (also known as peer-to-peer lending) occurs when a lender essentially acts as a traditional lender, providing you with the necessary funds you need at an agreed-upon interest rate. The idea is similar to those of Kickstarter or GoFundMe. But the difference is, with those sites, people contribute without expecting anything in return. Real estate investors, however, expect to earn interest on their contributions. Before they give you money, they might want to know:

  • How much the property is worth.
  • In what neighborhood you’re purchasing the property.
  • If you’re planning to hire a professional property management company to handle cleaning, maintenance issues, advertising, tenant screening, and potential evictions.
  • Whether you plan to live on-site (in a multi-family dwelling), or if this will be an investment property in which you do not live.

The rules may vary depending on your investor, but the interest rate is typically lower than what a bank would charge, and these loans are often easier to obtain.

Before you sign on the dotted line, make sure you’ve assessed all possible options so you can ensure that you’re getting the best loan possible for your unique situation. If you’re unsure, or if you have questions, consider talking to a mortgage broker who’s experienced with a variety of loan types. These real estate pros know how to navigate all sorts of loans.

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Real Estate    

Property Bargain Hunting In Spain – What You Need To Know

Much of the international media has widely reported on the property crisis in Spain. Interestingly, despite this, the country remains a top travel destination not only for those seeking out the sun, but also for those looking for a better life. A growing trend in Spain is for people to buy cheap properties and if you know where to look, you are sure to find some amazing property deals.  Juan Lopez of local Costa Blanca agency http://www.inmobiliariajavea.es explains what you need to look out for when buying a property in Spain to ensure that you get the best possible bargain:

Check the listings

Keep your finger on the pulse by staying up to date with the local property findings available in papers and online. Make sure that you know ahead of time where you would like to buy your property, by doing this you will ensure that you are first to put in an offer should your dream property come up for sale.

Adding to this many private sellers chose to advertise their property sales in local papers as opposed to enlisting the services of a real estate company. Make sure that you know all the fact about the property and the seller before diving into your purchase, the last thing you want happening is to fall for a scam.

Choose the right time

One of the most important aspects of buying a property in Spain is to make sure that you time your purchases well. Entering the property market at the wrong time could mean that you lose money on your purchase. Watch the local markets carefully and once the perfect opportunity arises you will be ready to purchase your Spanish dream home.

Rent-to-buy

This is a great way to secure a property bargain in Spain. Many homeowners in Spain who are in need of the money will allow you to rent their properties with an option to buy them at a later stage. This will also give you a distinct advantage over other buyers in that you would already have put a great deal of money into the property by the time you get to sign the papers for the property.

Check out developers

Many property developers are under immense pressure to sell the properties they have invested so much in. This also makes it a great opportunity to pick up a bargain or two. In addition, you might find that you could negotiate on the sale price of the property.

Reduce your purchase price

A general rule of thumb to go by is to offer around 20% less for the property than the advertised price. You and the homeowner then have room to negotiate. You will also be setting yourself up to buy the property of your dreams at a real bargain. Always remember that the goal is not to leave the homeowner out of pocket but to rather ensure you get the best possible price for the property.

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Real Estate    

How To Find Long-term Reliable Tenants

You’ve ventured into real estate, looking for success in the rental system. It’s the opportunity to become your own boss, and see your own dreams prosper. In fact, with houses abundant, investors have a chance to capitalize, buying low, allowing tenants to pay off the mortgage and pocketing profits. Experts such as Steven Taylor, for example, have found financial prosperity buying into the rental market, understanding that it’s a commitment that relies not only on the right place but finding the right people. Keeping residents for long periods is helpful since it creates stability and running revenue. You’ll want to make this a priority.

Market Your Place

You want the upper hand in selecting occupants. To do this, you’ll need to advertise the perks of your place in various locations. If you’re fortunate to have a large networking circle, then use word-of-mouth to hunt down prospects. After all, you’re friends and colleagues know you’re expectations, and usually they can help find someone to respect the property. Sometimes, though, it doesn’t work out. Then, you’ll need other avenues. Have you established a social media scene? Do you know places to create ads online and in print media? Get the word out in popular areas, where you can hopefully find some loyal clientele.

Screen Tenants Thoroughly

Even if you’re friends recommend someone, screen them. Landlord business is serious, and you want to cover your bases. First, take time to ask questions, getting a feel for the person’s personality, interests, and hobbies. If you’re still comfortable, move forward with a formal application process. Run credit and background checks, ensuring the lessee has solid credit and no criminal history. 

Use a Neighbor Watch System

It can’t hurt to stay on friendly terms with the neighbors. You won’t be there, but they will. If anything awry starts happening, they can fill you in, helping you stay abreast of situations.

Finding suitable tenants is important. Establish a marketing plan, so you can find people who will respect your place and honor the payment schedule. Doing so, could help keep your income flowing.

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Real Estate    

To Buy or Not to Buy – Buying vs Renting: The Pro’s & Cons.

For the average adult living in the UK, this will be an inevitable question: do you buy or do you rent? Well, depending on your financial circumstances and your long-term goals, each option has some pros and each has some cons. This article aims to offer some insight on the upsides and downsides of each in order to help you make a more informed decision. We’ll start with renting.

Renting is usually the first step that the average person will take when it comes to setting out independently, or with a new partner. Usually, in order to rent a property, all you’ll need is a couple of good references, proof of income (or, in some cases, a guarantor), and a deposit that equals the equivalent of about two-months’ worth of your rental. Depending on where you are renting, this could be anywhere from around £800 to £2000. But usually, if you’re renting in an area at the higher end of the cost scale, it’s likely that you will start out in a house share anyway. Not many people can afford £1000 per month in rental costs when they’re just starting out. So, as an average, let’s stick with a deposit of around £1000 and a monthly rental cost of around £500 plus bills. If you’re in a fulltime job or if you are moving in with a partner where your income matches a decent combined living wage, renting may be a good place to start. As the deposit and requirements are fairly manageable, it’s one of the fastest ways to find a home to live in. What’s more, if anything goes wrong with the rental property (with details depending on individual contracts and as long as and damage is not down to tenant neglect or carelessness), it is most likely the responsibility of the landlord to foot the bill and see to it that the issue is sorted and fixed.

The downside of a rental is that your monthly payment will, in most cases, be more than the sum you might be paying on a mortgage. What’s difficult about this is that every time you pay your rent, you’re putting your money into someone else’s pocket and making no investment. When you buy, the monthly mortgage payments are going towards your ownership of a property, which can increase in value and earn you some profit in the long term.

In simple terms, rentals are great when you’re not in a position to provide a buyer’s deposit. They are easier to attain, usually quicker to move into, and shouldn’t cost you unexpectedly if something were to occur; a boiler breaking or a leak for example. But be aware that rentals will have rules an restrictions with regard to freedoms you would otherwise have with a property of your own. For example, interior decorating, house modifications, and whether or not you are allowed pets, etc.

So let’s look into buying. As we’ve already said, buying will require more from you in the first instance than a rental. So, you will have to have the starting capital required to put down a deposit (which is usually 10% of the property selling price). There is also a longer and more detailed process to go through in terms of legalities, surveys and insurance requirements. This being said, if you have the means to buy, it is potentially the better option. Buying is essentially investing. Where with rentals, you are paying the landlord to ‘borrow’ their property as a tenant, when you buy a home of your own, your money is going towards an investment in a property which, if looked after, extended or converted, will likely increase in value over the years and offer some profit long-term. On a more trivial level, the house is yours to do with what you will: own pets, decorate in any way you like, modify or extend, and so on. You won’t have the added worry that you are going to accidentally damage something that will later cost you your rental bond. On the flip side of this, you will need to be cautious with your savings, as anything that may go wrong in the home, is solely your responsibility. Having said that, it is likely that your monthly mortgage payments will be lower than that of your rental price – so that extra cash can be put to one side for unexpected events.

On the whole, whether you buy or rent will be circumstantial. However, it is likely that rentals are the option when you are still finding your feet or you’re on a lower income and unable to put together a deposit. Buying a home may be a more complicated process, but for those who have the means to do so – they are an investment and offer more freedoms to live your life exactly as you choose.

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Spain & Portugal: Why are they the UK’s Favourite Property Investment Destinations?

When you think of property investments, holiday and retirement homes and rentals abroad – particularly from UK investors, you’ll likely think Europe, more specifically, Spain and Portugal. This is because Spain and Portugal are among the most popular destinations of choice for expats, holiday-makers and those planning to retire in a warmer climate. But why so? This article seeks to explore.

One of the more obvious reasons is that these destinations are only a short flight away. They are accessible destinations from most UK airports and flights are, on the whole, relatively cheap (particularly off-season). Spain and Portugal are close enough to keep administrative responsibilities, moves and procedures fairly simple to undergo, while far enough away from the UK to offer warmer summers that can be spent enjoying time outdoors or by the coast. This is a hugely appealing aspect of countries like this overall.

There are also some real benefits when looking at the economy and trends that would suggest that these places are an enticing place to not only live but do business. Looking at Portugal in particular, there has been a rise in tech start-ups over the past few years which continue to strengthen and modernise the working economy. More business means more money coming into the country, and Portugal is reaping the rewards as investors are spotting the rise in opportunity. Spain is also quite an appealing choice when you review the economy as a whole. The reputation of the Spanish government has a lot to offer, as government spending and input is on the rise. This will also potentially see a positive influence on business opportunities, as well as property.

We can’t ignore the lifestyle appeal either. Not only is the climate a welcome change for those in the UK looking to move or invest, the lifestyle as a whole is also ticking many boxes. Generally, life in Spain and Portugal moves at a different pace from that in the UK. In part due to the warmer weather, there seems to be a more relaxed attitude in Spain and Portugal, with more of an emphasis on living contently than breaking your back in order to get by. This is reflected in the warmth and friendliness one might encounter amongst the locals. The cuisine is also not to be ignored, with excellent links to fresh seafoods, and fruit and vegetable selections which would otherwise be seasonal and more expensive in the UK, a more Mediterranean diet is also an appealing invitation from these countries. Not only is it fresh and tasty, but it can be sourced locally and is potentially much cheaper than in the UK.

Finally – investments from the UK in Spain and Portugal are familiar processes from both sides. This might sound quite a simplified point. It is quite simple, but it can make a massive difference. Because UK investors have been turning to Spain and Portugal for so long, the procedures, papers, surveys, policies and eligibility lists, as well as property guides and advice, are already strongly in place and easier to research for first-time investors. This can be a huge selling point. Familiarity is always more of a puller than the unknown. So, as a starting point, this is a great stepping-stone for UK investors.

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Real Estate    

What are the top five house-buying dealbreakers?

Can you imagine finding your dream house, only to discover once you’ve moved in that it’s riddled with a myriad of problems that will cost you a small fortune to fix? Here is a look at some of the most common dealbreakers in new homes.

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Damp

Damp houses are depressing. They smell, they make your clothes smell, and mould and other nasties can grow, making them harmful to your health. Damp is often a sign of another problem somewhere – perhaps water leaks or even subsidence. According to the Guardian, cracks in the wall are a sure sign of subsidence. Subsidence is expensive to fix in terms of time and money, and houses with it are best avoided. 

Old connections

Nothing lasts forever, and this is especially true for old electrics or plumbing that has not been done properly. Electricity can cause fires, plumbing water leaks, and other problems. Make sure you know what to expect with older homes.

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Asbestos

It’s no longer used, but it may still be lurking in some old houses and has to be removed by specialist companies because it is carcinogenic. It will cost a lot to have it removed, and even if it’s not disintegrating when you buy the house, it will at some point in time. Its presence should be picked up somewhere in the conveyancing process, so avoid it like the plague.

Energy Efficiency

Older houses were not built with energy efficiency in mind, and it may be costly to make the necessary changes, such as double-glazing and new boilers. Check out the Energy Performance Certificate of your chosen house before you buy, and determine whether the price of the house is realistic for the amount and cost of any work you will need to do to make it cost-effective to run.

Use a reputable company such as https://www.samconveyancing.co.uk/login to arrange for a survey and other advice about the process.

Location 

We all have different needs in this regard, whether it’s nearby schools if you have young children, good rail links if you commute, or crime rates. Keep in mind that locations, like hemlines, change over time. Do your homework first so you know which way the trend is going.

If you carry out due diligence, you should be fine – as long as you know what to look for!

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Real Estate    

Get condos for sale in toronto developed by Tridel at an affordable rate

Among others, we need to look for first-class condos which give stunning look and features. For commercial, retail and rentals in Downtown, Tridel condominiums take place necessary role for providing an ambitious mixture. Of course, condos for sale in toronto developed by Tridel offers an exclusive arrival that makes a proper solution for the extension of urban vibrancy. It meets expectation as it delivers quick results for carrying out top-notch condominium living experience. Thus, it offers an excellent solution for one who needs to grab more features when compared with others. Based on urban vibrancy, it takes average time for carrying out much condominium introducing in anticipated lifestyles.

Meet commercial space

In Toronto, the host will approximately have 10,000 people daily and worked well. Moreover, it stands foremost choice for creating massive ambitious endeavor in Canada. Thus, it grabs many things to evaluate condominium lifestyle at the Well. It begins to carry out Well Development team includes residential condominiums by Tridel, residential rentals. Apart from it, commercial space begins to meet the requirements clearly without any hassles. The professional team will develop many things suitable for commercial space and rentals.

A major development in condos

It can live the progress that begins to carry out construction feed by updating features. Moreover, it carries out major development in evaluating an honest way of meeting the desires. Get the necessary amenities that belong to care a lot by involving major development. See information on condos for sale in toronto developed by Tridel without any hassles. Therefore, it grabs many things suitable for updating the office space and commercials. This is nothing but an ideal transformation begins to carry out major benefits for new homes and communities.

Perfect commercial and retail space

Unlike others, modern condominium has lots of things establish to revolve around the factors. It also connects with close proximities and surroundings. It is quickly developed concerning new homes and communities. A tradition inspires many things as it evaluates the standard lifestyle. It transforms the office space that believes in the facilities for the master-planned community. Condo rental in Toronto begins to carry out massive options for bold reflection. So, it does not take much time to complete your projects. It stands as best one that imparts to make proper commercial space and retails in a condominium.

World-class amenities

With the most innovative and sustainable concept in building a condominium, your outcome is familiar due to unique amenities. It takes one to evaluate your living standard by grabbing properties at condos for sale in toronto developed by Tridel. Many advanced features permit one to make true innovation because it grabs many things as quickly as possible. Home and community standard developed concerning featuring world-class amenities. So, one needs to make proper guidance for landscaped grounds for connecting.

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Ways To Grow Your Business With Commercial Mortgage

In an ideal world, nobody would ever need to borrow money from a bank or a financial institution to grow their business. Business loans simply would not exist. Entrepreneurs would always have a sufficient amount of funds at their disposal, and whenever a new opportunity arose that required additional investment, they could carry it out by withdrawing the necessary sum from their bank accounts. Unfortunately, that’s not how things work.

Small business owners often need a cash injection to grow their businesses, and in that regard, Commercial Mortgage may be the best solution. However, nobody is attracted to the idea of ​​paying interest on a mortgage. While it is true that interest payments can be high, you should consider this problem from a different point of view.

The question you should ask yourself when applying for a mortgage is: “Will the benefit that my company will obtain when using the borrowed money be greater than my interest payments?”. If your answer is affirmative, then you can consider that your interest rate is fair. Definitely, it’s a good idea to go ahead and borrow the money your company needs.

How can your company use the money from a commercial mortgage? Here we offer you several ideas that you may find very useful.

  1. Buy new equipment

It is essential to update the machinery and equipment you use in your business from time to time. If you use old tools and tools in poor condition, your productivity may decrease. In addition, you will offer a bad image if your company is customer-oriented.

But buying machinery can be expensive. You have to invest a significant amount in advance. You can always ask your provider if you provide financing through monthly payments. If this is not possible, consider a commercial loan as your second best option. A mortgage can be the perfect solution when it comes to buying equipment.

  1. Pay your suppliers before they give you discounts

Do you know the term “2/10 net 30”? It is a form of payment offered by many suppliers, and that has advantages. It means that if you pay within ten days after your purchase, you can get a 2% discount. The other option you have is to pay the total amount in 30 days.

Do the math for yourself. It may make sense to get a loan to pay your suppliers ahead of time and get a discount.

  1. Encourage your marketing activities

The most effective way to grow your business is to sell more. That’s simple but how to get it? Good entrepreneurs know that a well-focused marketing campaign can boost their sales. But traditional marketing methods and even digital marketing require investment. A mortgage used for this purpose can be an excellent investment because it will generate additional sales.

  1. Expand your business to other areas

With a commercial mortgage, you can grow your business by expanding your geographic coverage. This does not necessarily mean that you open a new office or a new location, nor that you rent an additional warehouse for your products. You can expand your business by expanding the radius of your potential customers, targeting clients in a nearby location through ads in the appropriate media. You can also launch an online advertising campaign aimed at a larger audience.

  1. Set up or improve your company’s website

If your company does not have a website, it’s time for you to build one. Small businesses with an online presence have more credibility and reach than companies that do not appear in a Google search. The money you spend on digital marketing and the improvement of your website can generate very high returns. If you do not have the money for this investment, a commercial mortgage can be a great idea.

  1. Increase your income by selling on credit

If you work in the business services industry, you can sell credit to your customers. Let’s imagine that you are a wholesaler that sells your products to restaurants. You can win customers to your competition if you offer more attractive credit terms. And your existing customers may decide to buy in larger quantities if you accept longer credit periods.

While this could mean higher sales and profits, you can also put your cash flow in a delicate situation. That’s where mortgages for companies can bring you a solution. If you decide to adopt this strategy, do it with caution. In your effort to increase sales volumes, do not go too far by providing the terms to your customers. Waiting too long for your payments could end up being an inconvenience.

  1. Improve your product or service

A superior product or a better service can attract more customers. The investment you make to improve your product or service can help you get more customers and grow your business. Remember that you may not need drastic changes in the products you offer. Often, something as simple as a change in packaging or an improvement in only one particular aspect of your products can result in an increase in your sales.

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Real Estate    

Real Estate Market in China, it is about Lead Generation

Matthieu David-Experton, CEO and organizer of Daxue Consulting, clarifies a few difficulties of the land showcase in China: “First, there is the issue that accessibility fits financial specialists yet does not fit people, particularly youngsters, and cushy laborers with a solitary pay. Besides, costs are going up regardless of whether individuals can’t stand to purchase. For example, after the securities exchange crash in summer 2015, costs in Shenzhen went up twofold digit. Thirdly, dangers from Chinese guidelines emerge; you can’t show somebody out of the loft as a result of a credit, for example, as government’s fundamental concern is to remain a steady society and maintain a strategic distance from unrest”. On the off chance that you are keen on how the moving government arrangements sway the land showcase in China, click here to peruse more.

The customer asks the likelihood of selling venture shares online in China

Chinese interest in Western land is high. The way that Chinese as of now represent 32 percent of outsiders who purchase genuine bequests in the United States underlines the pattern. The unpredictable proprietorship rules and the taking off costs in China are the essential drivers for the expansion. Daxue Consulting’s customer, a Western REIT (Real Estate Investment Trust), needed to investigate its chance of selling speculation shares online in the country. Accordingly, the organization moved toward Daxue’s advisors to give them a comprehension of the land advertise in China, its guidelines, and potential speculation stages.

The essential strides to respond to the customer’s inquiries concerning the land showcase in China

Daxue Consulting began with a broad work area research to pick up a first review of the market. The examination group distinguished the present strategy and guidelines, major issues and dangers in the land advertise in China. The advisors likewise broke down various online stages for existing REITs in China and gathered significant data about their strategies, expenses, and installment techniques. Moreover, the exploration group revealed potential accomplices in China just as other remote organizations having a comparable plan of action as Daxue’s customer.

Consequently, as a subsequent stage, Daxue’s examination group executed purported keen calls or secret calls. The advisors professed to be keen on the administration and could, thusly, increase important experiences into their business tasks and their future desires.

As to help just as to supplement the accumulated information, the examination group at last led top to bottom meetings. The discourse with significant specialists –, for example, the executive of Chinas state organization of remote trade and the appointee legislative leader of the general population’s bank of China – acquired satisfactory learning about prerequisites in the land advertise in China. Thusly, Daxue Consulting could check if the customer qualifies.

Daxue’s advisors proclaimed the current just as the future alternatives the customer has

Daxue Consulting cross-broke down the assembled information and afterward arranged the discoveries including significant exhortation. The thorough report included present moment just as long haul desires in the land advertise in China. It contained present and future legitimate perspectives, a point by point clarification of the enlisting procedure and the costs included, major issues and constraints. Likewise, the examination group arranged a mapping of existing REITs and their procedures and prospects, just as the positioning of potential accomplices in China. Moreover, Daxue Consulting explained the alternatives the customer had, developing because of evolving enactment, and exhibited which various arrangements involve what preferences and what dangers.

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