The importance of Yields in property investment

What are yields and why are they important for property investment?  The yield of a property is the annual rental income, expressed as a percentage of the total value of the property. To put it simply, it is the annual rent compared to the total value of the property.   For example, a property with a value of £300,000 with an annual rental income of £15,000 would…

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Have you paid too much stamp duty?

  Here at Advocate Finance, we have teamed up with a specialist tax adviser in obtaining stamp duty relief that could be available to you, but not necessarily fully understood by solicitors. There are many circumstances where a stamp duty land tax (SDLT) refund may be applicable in relation to a historic purchase of property…

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Case Study- financing a unique Multi Unit Block

CASE STUDY – FINANCING A UNIQUE MULTI-UNIT BLOCK OF FLATS (MUBF)    Periodically, we come across cases that we believe property investors would be interested to learn about. The summary below is one such case. We hope you find it helpful.  The property  This property was a multi-unit block of flats consisting of 4 separate units situated in-between a hairdresser on one side,…

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Your Free Credit Check

Free Credit Check and How it can Help your Adviser  For many investors, credit files can cause issues when trying to obtain property finance and mortgages. Adverse credit in lenders eyes is a red flag when deciding on whether to lend to an individual or not, so obtaining a full credit report can help us…

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Geographic Yield Analysis

Introduction The purpose of this research was to identify the average yields within the different areas of the UK. Our research also aims to demonstrate the difference in yield between certain property types. This helps allow the applicant to identify if they are paying/offering a realistic price to purchase a property and, very importantly, what…

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Why Product Transfers are becoming important in Ltd Company BTL

With the increased costs involved to refinance within a Ltd Company, we are seeing more and more lenders introducing retention products, such as product transfers.We explain why product transfers are becoming important. What is a product transfer? A product transfer is transferring your current mortgage deal (when you do not need to increase the loan…

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