Buy-to-let versus HMO income

If you’re considering property investment, you may have thought about both single-let properties and also multi-let properties as a strong source of income

When single properties are shared by at

least two households (e.g.

families or multiple students) who share amenities such as a kitchen or bathroom, they’re called Houses of Multiple Occupancy (HMOs). As an investment opportunity,

HMOs can provide much higher rental yield than a property with a single family occupying it. As an HMO landlord, you can worry less about void periods than if a family moves out of your single house- hold property and house sharing is increas- ingly popular

for tenants

of all ages, so you can be sure of finding new tenants.

The challenges facing inexperienced investors However, HMO properties are more complex to create, maintain and manage than a single house- hold property, and with regulators becoming more and more stringent

about underwriting rules for prop- erty investors, it’s harder for less experienced investors to venture into this area.

Get in touch today to start your HMO investing journey:

E: contact@cpcfinance.

CPC Property Investing — how new investors can own an HMO CPC Property Investing is a new concept from UK mortgage brokers CPC Finance and a selection of expert HMO property devel- opment and manage- ment partners. It provides inves- tors who have no prior property investor experi- ence with a way to buy and receive rent from an HMO prop-

erty. With an investment of £50k+, investors will receive guaranteed monthly rent. CPC Finance’s invest- ment partners are pre-approved by lenders, so the experience side of a loan application isn’t an issue, but any application will be subject to the normal credit and reference due diligence.

Property Investments 39

How it works Te process is straightforward. Te client invests £50k+ to buy their own single dwelling for conversion to an HMO — they’re then the legal owner of the whole property. CPC Finance works with the investor to source finance to purchase the property and fund the conversion of the prop- erty into an HMO.

CPC Property Investing’s devel-

opment experts will work with the investors to source the prop- erty, obtain planning, undertake any works necessary and adhere to any regulatory requirements needed to create an HMO from a single residential property. Tenants can then be secured by the experts who’ll manage the property for the

investor accordingly. It’s a simple but effective approach

that enables investors of high net worth who lack experience to have a slice of the HMO pie.

T: 01923 655441

This feature is not intended to constitute financial advice. Investors are urged to seek independent professional advice when considering an investment. Investing places your capital at risk and the value of investments is variable. Unless it is guaranteed, it can go down as well as up. Past performance is not a reliable indicator of future results. Tax rules and allowances depend on your circumstances and may change.

Innovating property investment

Recent changes to stamp duty and Brexit uncertainty have dulled investor sentiment towards the UK property market. But one innovative business is changing that

Led by founding CEO Tal Orly, Cogress has been quietly revolu- tionising property investment. Cogress offers a unique investment model, providing investors exclu- sive access to property develop- ment opportunities. “Property developments are inac-

cessible to most investors,” explains Tal. “At the same time, SME devel- opers struggle to get financing since high-street lenders often won’t consider smaller projects.” Cogress is an elegant solution for

both. A unique amalgamation of its CEO’s decades of experience in law and property development, it provides private equity funding to developers, while investors typically lend equity to property development projects and take a percentage of the returns once the development is built and sold. “Extraordinary due diligence is

at the core of who we are,” says Tal. “We have a team of 30 people behind the scenes, including analysts, surveyors, solicitors and construc- tion experts, rigorously assessing every developer and every develop- ment opportunity. Only one-in-30 developments pass our due dili- gence process and are presented to our investors.” What makes a good develop-

ment opportunity? “Firstly, we’re looking for a reliable developer. An experienced professional who can

deliver against a strict business plan. Next, we consider the devel- opment itself. Is it realistic? Are the developer’s market projections accurate? Do they align with our own research? We’re looking for projects that’ll provide our inves- tors targeted annual returns of 15-20% and a projected exit within 18-36 months*.” It’s a process that works. Since

2014, Cogress has built a community of more than 7,000 registered inves- tors, raised an impressive £175m, and invested in 50 UK projects with a combined value of over £1bn. And what does its CEO attribute

this impressive growth to? He doesn’t hesitate: “Te team we’ve built,” says Tal. “It’s the people that make Cogress great.”

Disclaimer: Qualified investors only. Capital at risk. Past perfor- mance is not a reliable indicator of future results. *Estimates are only a guide and duration may be longer. Seek financial advice if you are unsure about investing.

We have a team of 30 people behind the scenes, including analysts, surveyors, solicitors and construction experts, rigorously assessing every developer and every development opportunity

Cogress provides

property development investment opportunities

from £20,000, with targeted annual returns of 15-20%.

Call 020 34759057 to find out more, or visit

T: 020 34759057


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52