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Investment Guide

Investment Guide

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Why Buy-To-Let Investment?

"I have walked the same footsteps and, therefore, know first-hand the challenges and pitfalls you may encounter.  As a landlord myself, I have an in-depth understanding of the buy-to-let investment market, and how to achieve success. 

Whether you're seeking return on your investment through rental yield, or capital growth, I know what makes a good investment property.

David Crooke, owner

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Here is David's concise Guide to Buy-To-Let Investment: 

Why The Huge Growth In Rental Demand?

The UK has a housing crisis.  With a growing population, house prices have become out of reach for many people and this is no exception in Stamford and Rutland. Faced with no option but to rent, these people have the opportunity to 'save before they buy'. 

In the past 5-10 years there has been a huge increase in people re-locating for work or family reasons. This is especially prevalent in Stamford and Rutland as people chose to move to the area for lifestyle reasons. With an excellent choice of state and private schools, beautiful countryside, low crime and good transport networks, families are choosing to live in Stamford, Oakham, Uppingham and the surrounding villages yet perhaps work in the nearby towns/cities of Peterborough, Corby, Leicester, Nottingham - and with many people commuting daily to London.

There is sufficient evidence both locally and nationally that this shift to the rented sector is set to continue for many years.

Tenancy law changes in 1988 now means pitfalls such as sitting tenants are avoided and the introduction of 'buy-to-let' mortgages has made it much easier and straight forward for landlords to enter the market.

Rental Yield and Capital Growth

These are the two ways you will make money from your property investment. 

Capital Growth is the increase in value of the property over time. In the towns and villages of Oakham, Uppingham and Stamford this has been excellent over the years and will always be a solid investment due to the popularity of the area and the quality of the housing stock. 

Rental Yield is the annual rental return you get for your property. The simple calculation to work out the gross rental yield is:

Annual rent divided by the purchase price of the property

Choosing The Right Property…

I get asked by many potential investors “what makes a good investment property”? This really depends on what your objectives are:

Set Your Objectives - Are you looking for the highest rental return? The highest capital gain? A project to do up? A low maintenance property? Or a property to move into eventually yourself? I expect your answer is likely to be a combination of these factors, but which are the most important to you?

Property Search – Once the objectives are set, begin searching using the property portals such as www.rightmove.co.uk and www.zoopla.com.  These sites provide additional information such as a useful house price index and you can also get an idea of rental values. 

Registering with the local estate agents means they will forward you any new properties that come onto the market.

Location and Property Research - The articles posted on my local property blog offer a valuable resource of local property advice as well as facts and figures specifically researched on the Stamford and Rutland property market.

www.rutlandandstamfordpropertyblog.co.uk 

I also post all my local articles and property information on Twitter and Facebook too – so please follow us on Twitter @uppproperty and on facebook @stamfordandrutland

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