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Property Solvers are a below market value investment property sourcing and marketing company and forward thinking organisation aimed at the discerning UK investor. We take a realistic view on investing in property as a long-term wealth creation strategy and can offer investors the choice of our 'Hands on' or 'Hands off' services. We also operate as an information site for UK property investors who can join our 'News and Information' group for all the latest newsletters, videos, interviews, monthly fact-sheets, e-courses and more (to join, head to our website at www.psinvestors.co.uk and register your interest on the 'Join our Email list' box on the left hand side).

Property Investor’s FactFile – May 2020

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Property Investor's Factfile - May 2020

- According to the latest UK House Price Index, average house prices saw an annual price rise of 1.1% (to February 2019); - The latest Hometrack UK Cities House Price Index reported that Nottingham saw the greatest year-on-year house price growth at 4.1%.  This was followed by Leicester (3.9%), Manchester (3.4%), Edinburgh (3.2%), Leeds (3.1%) and Liverpool (2.6%); - It's worth noting that, due to the 2/3 month time lag, both the HM Land Registry / ONS and Hometrack datasets have not taken into account the impacts of COVID-19; - The most recent Royal Institute of Chartered Surveyors (RICS) report stated that with estate agents required to close due to the coronavirus, near term expectations have fallen dramatically; house prices rose in the three months to March, but the outlook has turned negative and rents are expected to fall in the coming months (although longer-term sentiment is more resilient). [Read More]

Property Investor’s FactFile – April 2020

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Property Investor's Factfile - April 2020

- According to the latest UK House Price Index, average house prices saw an annual price rise of 1.3% (to January 2019); - The latest Hometrack UK Cities House Price Index reported that Nottingham saw the greatest year-on-year house price growth at 3.8%.  This was followed by Leicester (3.8%), Edinburgh (3.4%), Manchester (3.3%), Liverpool (3.0%) and Leeds (2.8%); - The most recent Royal Institute of Chartered Surveyors (RICS) report stated that demand, sales and instructions all rise for a third successive month (although this is likely to change in the coming months given the COVID-19 situation); house price inflation appears to be gathering pace and ear term sales expectations remain positive but have been tempered slightly compared to last month. [Read More]

Should You Home Stage Your Buy-to-Sell Property

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Should You Home Stage Your Buy to Sell

Imagine you walk into a well-lit home, freshly painted walls, new furniture laid out in a way that maximizes the space. You can imagine yourself entertaining in the living room, brewing a pot of coffee in an immaculate, open-plan kitchen or relaxing with a great book in the reading corner. Now imagine that you walk into the same home, outdated paint colours on the walls, with cracking in places. There’s no furniture, and the house looks small, dark and uninviting. What scenario would you rather your potential buyers experience? Staging your home means the difference between the two. While it is often seen as an unnecessary expense, in reality, there are so many benefits to hiring a professional staging company to get your home in its best possible condition for photos, viewings, and marketing materials. The majority of people will... [Read More]

All You Need to Know About UK Vacation Rental Laws, Regulations, and Restrictions

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UK Vacation Rental Laws, Regulations, and Restrictions

Setting up and running a short-term rental business can be a lucrative venture, but first, you need to get to grips with UK vacation rental laws. Regulations can vary from city to city, so potential vacation rental property owners need to do their homework. City and Regional Regulations  In certain cities, such as London, short-term rental regulations are enforced. These rules are in place to ease the housing situation and ensure the proper use and classification of properties. However, vacation rental rules and regulations don’t just apply to the capital. If you’re planning on renting out a property as a vacation rental, you need to check holiday rental regulations city by city. Here’s a brief guide to some of the short-term regulations in place:  Greater London  Planning restrictions are in place to govern short-term rentals. Properties can be classed as... [Read More]

Value of a Professional Property Condition Assessment

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Value of a Professional Property Condition Assessment

If you are planning to purchase a property or lease a building long term, it makes financial sense to assess any problems and deficiencies that need to be replaced or repaired. Some issues require specific maintenance procedures that might be ongoing and expensive. If you don’t know what these are you can end up with an investment that costs you money rather than one that is financially worthwhile. Professional property condition assessments are designed to identify faults so that the implications of these can be considered by potential buyers or those planning to lease a building. They reveal the condition of the building in terms of the site, the structural frame and thermal envelope including the roof, plumbing, heating, ventilation, and air-conditioning (HVAC), electrics, and any other equipment from escalators and elevators, to safety and fire protection devices and systems.... [Read More]

An Overview of Property Loan Note Investments

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Property Loan Note Investments

An alternative method of raising finance, more and more individuals are turning to loan notes, both as an alternative means to secure finance or as an alternative means to grow their money. But what is a loan note investment, and why are so many people turning to this alternative financial instrument? What is a Loan Note? A loan note, a form of debt investment, is a means of raising finance for a company, with the money being raised by an investor. The investor issues a loan to a company in exchange for an agreement to pay it back at a fixed date in the future plus interest. Loans can include multiple lenders and often have additional repayment terms such as exit clauses. Why Do Developers Use Loan Notes? In the property sector, we have seen a tightening on lending since... [Read More]

Why Must Buy-to-Let Landlords Choose the Correct Business Structure

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Why Must BTL Landlords Choose The Correct Business Structure

Buy-to-let properties are back in fashion… This is because rental yield is becoming higher due to the increased rental demand. Moreover, mortgages are now available in abundance. However, like any other business, buy-to-let properties do come with their risks. One of the best ways to avoid this risk is to choose the correct business structure for your buy-to-let property. There are several options available to a buy-to-let landlord that can be availed, and each has its own pitfalls. Most of the BTL landlords either own the property personally or follow and investment company structure. Tax Relief on Mortgage Interest In the past, owning a buy-to-let personally used to be the most profitable option. However, this has changed since the announcement of new tax rules for buy-to-let properties. Back in the day’s landlord could offset mortgage interest payments against rental income. However, in... [Read More]

5 Home Renovation Ideas Worth Investing In

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5 Home Renovation Ideas Worth Investing In

As a homeowner, you have the responsibility of proper home maintenance but also adjusting your personal environment so that it feels truly comfortable. Not to mention that your intent might be to sell your current home and get a good deal out of it, which is another reason why you should definitely look into the options you have when it comes to home renovation ideas worth investing in. Of course, if you’re aware of a certain aspect of your home that requires urgent repairs and upgrades, make sure to go with that first. On the other hand, you might be interested to learn more about the generally favourite renovation projects among homeowners nowadays. Light Up Your Home Properly Regardless of whether you’re planning to sell your current place or want to enjoy it yourself for years to come, it’s crucial... [Read More]

Private Landlord Tax vs. That of A Private Hotelier

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Private Landlord Tax vs. That of A Private Hotelier

This case study illustrates just how unfair the UK tax legislation will become for private landlords as of April 2020. Perhaps more importantly, it provides insight into what can be done to “level the playing field”. Let’s assume that both businesses own assets worth £2,000,000 and have 75% LTV mortgages secured on them at an interest rate of 5%. In other words, their annual finance cost bill is £75,000. Now let’s assume that both businesses make profits after finance costs and all other expenses of £50,000. The hotelier will pay £7,500 of income tax. This is broken down as follows; £nil on his first £12,500 of net profit and 20% tax on the next £37,500. However, the private landlord cannot treat his finance costs as a legitimate cost of business in the same way as the hotelier. Accordingly, his tax bill is... [Read More]

The Best Student Cities for Property Investors During and After Brexit

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The Best Student Cities for Property Investors During and After Brexit

Are you looking to invest in purpose-built student accommodation? It can be an extremely lucrative venture as long as you choose the right property in a prime location. This will ensure that you generate a significant amount of interest from students, while also benefiting from high rental yields, generous rental returns, as well as the potential for capital appreciation. Take a look these top destinations, where you could find the most lucrative student real estate on the buy-to-let market. Durham The city of Durham is home to one of the most prestigious universities in the UK and is currently ranked 5th in the University league tables. Attending this academic institution is a dream for many young hopefuls and is the main reason why the area is exceptionally lucrative. Investors can also achieve their goals by investing in purpose-built student accommodation... [Read More]