40 Property Investments

FINANCIAL SERVICES DISTRIBUTED WITH Thinking of investing in property?

If you are looking to invest and plan for your future, perhaps to put your children through university or replace some of your income, you may think that property investment is the best option.

So, how do you know that you’re investing in the right type of prop- erty or considering the right strategy? Should you invest in buy-to-let, a commercial property, student accommodation or maybe even try property development? With so many pitfalls and poten-

tial headaches to be aware of, it’s no wonder that many people decide to do nothing, or end up losing money. You could be missing out on profits. Dick Dabner at Joint Ventures in

Property has more than 40 years of experience in the property industry. He speaks at property events around the UK about how to achieve high returns using his proven strategy of adding value to every project. Dick would like to invite you

to a complimentary round table opportunity to learn from the chal- lenges he has faced, the market changes he’s seen as well as the strategies that have made the most money and the lessons he’s learned along the way. You’ll learn some of the systems

and top tips from a family run busi- ness that has walked the talk and made the journey from small refur- bishment projects to million pound developments. You can ask questions and also

meet the team who build, furnish and finance the projects, and even

DICK DABNER - 0207 458 4466

use them to make money for yourself. So, if you’re thinking of investing

in property, register for a free seat at the table. Places are limited, so register now.

Take the first step by joining Dick

Dabner for a free afternoon session. Register via email: or TEXT ‘TABLE’ to 88802

Short-term lending for professional property investors

Te short-term lending industry has grown exponentially since the onset of the credit crunch in 2007

A sector that traditionally served the home mover wishing to break a chain has evolved into a sophisti- cated market that facilitates a range of finance options for the profes- sional property investor. In the five years from 2013 to

2018, the market has enjoyed an annual growth rate of 26.1%, with gross lending volumes of £4.3bn in 2017 (Ernst & Young’s UK bridging market study). Inevitably, as with any market enjoying such growth rates, this has attracted an array of new entrants, which, in turn, has led to enhanced price competition and product innovation.

How does this help the profes- sional property investor? Aside from the natural effect compe- tition has on price, it has enabled investors to create significant returns on their capital. Further- more, these returns have facili- tated rapid growth in their property portfolios at a time when inves- tors have been financially disad- vantaged through increased stamp duty, reduced tax relief as well as having their ability to borrow via

traditional ‘buy-to-let mortgages’

curtailed by the authorities. To illustrate just how short-term

lending works for the professional investor, Bespoke Business Finance can use the example below of a recent project that it funded for one of its clients: Te client wished to purchase a

property that was currently mixed use — offices and residential. Upon purchase, the property would be vacant with no income to service and justify a traditional loan. Te purchase price was £1.1m and the refurbishment project would take six months to complete with a budget of £150k. One of Bespoke Business Finance’s

specialist bridging providers agreed to provide a facility of £770k to support the acquisition and provide sufficient time to refurbish and fully tenant the property. Upon completion of the work

to the property a new value was confirmed at £1.6m, which has enabled Bespoke Business Finance to secure a long-term loan from a long-term lender for £947,500 in order to repay the bridging facility

‘Funding for

professionals by professionals’

In the five years from 2013 to 2018, the market has enjoyed an annual growth rate of 26.1%, with gross lending volumes of £4.3bn in 2017

and release £177,500 of equity back to the client to enable them to move on to their next project. Tis structure allows investors

to carry out a project that creates additional value and income while minimising the capital that remains

tied up in the property itself. Tis process can of course be replicated on projects that are both larger and smaller than this example. If you would like to understand

more about short-term lending and its many and varied benefits, then

please get in touch with a member of the team at Bespoke Business Finance for more information.

For more information, email or call T: 020 8647 2457

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