Property Investments - Overview
Some things you should know about investing in property
Whether you’re hoping to invest directly or indirectly, there are many benefits and risks involved with property investments. If you buy a property to let then you are investing directly in that property, while if you invest in Unit Trusts or Open Ended Investment Companies this is known as indirect investment.
Read our 'Property Investment' section to discover which property investments are most suitable for you. It's important to know what you're doing with your money. An investment needs a good return, and if you're investing while paying the bills (unexpected repairs, British Gas, Aviva home insurance etc), you don't want anything to flop. Property can be a lucrative investment opportunity if you're careful and well-informed.
Direct Property Investments
Buy-to Let mortgages are one of the most common ways for people to invest directly in property. This method of investment requires dedication, forward planning and research, so it’s important to consider this option carefully before signing a contract. A buy-to let- mortgage lender will consider your potential rental income before making you an offer, so you may be able to borrow a bigger mortgage than one based on your salary alone.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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Although the Financial Services Authority (FSA) regulates the majority of mortgage sales, it isn’t responsible for a large number of buy-to-let mortgages. Be aware of lenders who offer flashy promotions which seem too good to be true - they probably are.
Indirect Property Investments
If you’d prefer to invest your money indirectly, then 'Property Open Ended Investment Companies' (OEICs) and 'Property Unit Trusts' are the type of schemes you’re looking for. Through this method of property investment the scheme or company pool investors' money together into one fund which is then invested into suitable property. Each Investment Company or Trust will have different policies in terms of investment; they might invest directly, buy shares in property investment companies, or a combination of these methods.
Property Advice Blog Top Tip!
Not every scheme is regulated, so take advice before joining an Investment Company or Trust, and seek out regulated companies which implement safeguards to avoid financial loss.
Collective Property Investments and other types of Investment
When you invest in a Unit Trust, Investment Trust, Life Assurance Policy or OEIC you will be given the opportunity to invest in property. However, a number of these schemes also invest in everything from government bonds to shares. Collective Investments are generally regulated by the FSA, so you can find which range of funds they invest in by reading through their guidelines and marketing material.
Getting financial advice
Property investments do carry a certain risk so make sure you get advice from a financial adviser before choosing a scheme.
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