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Author: amoore70
Is it better to buy a one bedroom or two bedroom apartment as an investment?
When deciding whether to invest in a one-bedroom or two-bedroom flat in the UK, several factors must be considered to determine which option is better suited for your investment goals. Here’s a detailed comparison of one-bedroom versus two-bedroom flats: 1. Rental Demand and Market Appeal 2. Rental Yields 3. Purchase Price and Affordability 4. Capital… Read more
What is income protection and how does it work?
Income protection insurance is a type of policy designed to provide financial support if you are unable to work due to illness or injury. It ensures that you continue to receive a portion of your income while you recover and are unable to earn. Here’s a detailed look at income protection and how it works… Read more
Understanding flying freehold in property law
Understanding Flying Freehold in UK Property Law Flying freehold is a somewhat obscure but important concept in UK property law. It refers to a specific type of ownership arrangement where part of a freehold property overhangs or underlies another freehold property. This can occur in various scenarios, such as in older buildings where parts of… Read more
CCJ’s and impact on mortgage applications
Introduction: County Court Judgments (CCJs) are legal orders issued by county courts in England, Wales, and Northern Ireland. They are typically issued against individuals or businesses who have failed to repay debts. In the context of mortgages, CCJs can have significant implications for borrowers, affecting their ability to secure financing and potentially leading to adverse… Read more
Understanding rental yields: Demystifying Rental Yields: Understanding Their Significance in the UK Property Market
Introduction: Rental yields are a key metric used by investors to assess the profitability of a property investment. In the UK, where the real estate market is dynamic and diverse, understanding rental yields is essential for both seasoned investors and those considering entering the property market. This article aims to elucidate the concept of rental… Read more
Marriage values explained
In leasehold property transactions in the UK, “marriage value” refers to the potential increase in the overall value of a property when it is extended or enfranchised. This concept typically applies to leasehold properties with leases that have a remaining term of less than 80 years. When a leaseholder extends their lease or enfranchises (buys… Read more
Freehold vs Leasehold – understanding property ownership
When it comes to purchasing property in the UK, prospective buyers are often faced with the choice between freehold and leasehold ownership. Understanding the differences between these two forms of property ownership is essential for making informed decisions and navigating the complexities of the UK property market. Let’s explore the key characteristics of freehold and… Read more
Property hotspots for 2025
he UK property market is ever-evolving, influenced by factors such as economic trends, demographic shifts, and regional development initiatives. As we look ahead to 2025, certain areas are emerging as potential hotspots for property investment, offering promising opportunities for capital growth and rental yields. Whether you’re a seasoned investor or a first-time buyer, understanding these… Read more
Long term mortgages, how much more expensive are they?
Long-term mortgages, typically spanning 25 to 35 years, have become increasingly popular among homebuyers in the UK seeking to spread out their repayments and reduce monthly costs. While these extended mortgage terms offer lower monthly payments, borrowers may end up paying more in interest over the life of the loan compared to shorter-term mortgages. Let’s… Read more