Do some research – then do some more

Study the broker behind the business sale. The name of the broker behind the investment doesn’t have to be a big name BUT, a big brand broker backing a startup business certainly adds kudos and offers credibility to their client’s potential financial future.

Read and re-read the prospectus

Take a look over the company prospectus in detail. It will offer deep insight to:

• Who is running the company
• The company’s target market

There will often be substantial detail in the document. It will help you gain a much clearer picture of the risk versus the reward and help you decide between the following.

Caution wins the day

Anyone who wants to make money will always have to take some risk. Weigh up the pros and cons. Don’t be taken in by the promise of quick returns. If it sounds too good to be true, then it almost always is.

Set realistic targets

Be careful not to over-estimate your potential returns. It can be human nature to be overly-optimistic with such investments.

In the same way, returns on your investment, especially if the investment is with a new company, may come slowly. You should be aware that the failure rate with new companies is high, so factor this into your calculations.

Exit strategy

Think about at what stages you would be happy to sell or exit the business investment. It’s prudent to map out various scenarios in advance.

Finally

Your best resource in any investment is a financial adviser. He or she will be able to advise on the risk and reward.

Investing can be challenging, exciting and stressful but at the same time has the potential to be highly rewarding. As long as you prepare and research, risk can be substantially reduced, and the reward can be life changing for the better.

Our experienced team have the skills to obtain your funding requirements. Simply complete our Enquiry Form to see how Genie Lending can help you

The post How to Invest in Companies appeared first on Genie Lending: Business Loan Alternative Finance Specialists.

Here are a few places to consider in placing your housing investment to good use:

Glasgow

Glasgow is rated as having one of the highest ROI yields in the UK mainly due to their population primarily composing of 21-35-year-olds (roughly 28 per cent) of the total population in this Scottish city). Glasgow’s unfortunate slow house price growth in the past is precisely why they offer more affordable house prices compared to other cities in the UK. Since June of 2016, property prices have had a consistent rate of increase of 0.7% per month. For Glasgow to gain a significant rental yield, property prices are inversely correlated with rental value.

Milton Keynes

With Milton Keynes’ optimal location being roughly equidistant to Birmingham, Oxford, Cambridge and the city of London, finding rental in this area makes it a great fit for anyone who chooses to study or work in any of these areas. With the Chancellor’s proposal to improve transport between Cambridge, Milton Keynes, and Oxford, investors are sure to consider Milton Keynes as a prime spot for investment.

With the Government’s infrastructure investment, the potential lure for investors, young professionals, along with a combination of relatively cheap accommodation and convenient transport links bodes well for the future.

Birmingham

Birmingham still stands as a property investment hotspot even into Q3 of 2018. Recently ranked in 21st position concerning its overall investment prospects compared to its domestic and European competition, the report is a testament to Birmingham’s popularity. Commercial industries have taken an interest, as HSBC and HMRC are setting up offices based in Birmingham which is sure to attract young professionals who are looking for a place to earn and a place to stay.

Choices are ripe for the taking

Because of the London Plan draft proposals, the uncertainty of the market is lingering and casting some doubt for investors. Though the London’s plans for sustainability is slated to last for until 2036, it is unsure if it will mean a steady growth curve for the market or if things will take a turn for the worse before it gets better.

Regardless, there are other property areas ripe for investments while the extent of the ambiguity of London’s policies is yet to be set until this coming November.

Our experienced team have the skills to obtain your funding requirements. Simply complete our Enquiry Form to see how Genie Lending can help you.

Statistics from: https://www.onetouchinvestment.co.uk/news/buy-to-let-strategy/best-places-invest-property-uk-2018/

The post Best Areas in The UK for Property Investment appeared first on Genie Lending: Business Loan Alternative Finance Specialists.

Being a property investor takes up a lot of time – so it’s not always a good idea if you haven’t got a lot of time to dedicate to market research and property management. Buy to let lending can be difficult to acquire without previous experience in the property sector, and being a landlord or paying a property management agency can be more expensive than you first thought.

If you’re wondering whether this is the right decision for you, let’s take a look at the pros and cons of property investment.

Pros of Buy to Let

Buy to let is a great investment choice, as having money in property is a tangible and reliable investment. Even if the market crashes, you can wait until house prices rise again to cash in your return. Here’s some other advantages:

Return on investment – this is pretty easy to calculate for investors and landlords. Find out the rental yield on each property before buying it, and you’ll be surprised at how much you could earn annually.

Funding options – banks are tightening requirements for buy to let mortgages, and further tax changes bring more bad news for landlords and borrowers. However, there are many other ways to secure funding for buy to let investment, such as alternative loans and peer to peer lending.

Cons of Buy to Let

After a series of government changes to the sector, buy to let isn’t quite as lucrative as it once was. Here’s some of the downsides:

Charges and tax – When buying and selling a property which is intended for buy to let, you’ll have to pay a much higher rate of stamp duty and other taxes. This should be considered when calculated the ROI.

Time and work – being a landlord doesn’t mean you can find tenants and relax. You have a legal obligation to keep up with repairs and maintenance, which will take time to organise and cost money to ensure is well maintained.

Becoming a buy to let property investor is hard work, but if you have the time to commit to the venture then it can be a secure investment.

The post Should I Become a Property Investor? appeared first on Genie Lending: Business Loan Alternative Finance Specialists.