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UK Investment Properties

General Brochure 1

BEST BUYS

UK Investment Properties Contents

Contents

Contents .......................................................... 2

What We Do .................................................... 4

Investment Properties ................................. 4

‘Own Use’ Properties ................................... 5

Why Use Us ...................................................... 5

The Award Winning Agency ......................... 5

About Us ......................................................... 6

Part of a Large Group ....................................... 6

Dedicated Sales and Admin Teams .................. 6

Middle East HQ ................................................ 7

UK Office .......................................................... 7

Investment Property ........................................ 8

What We Do ..................................................... 8

‘Best Buy’ Investment Properties .................... 8

Location ........................................................ 8

Type – Terraced House ................................ 9

Rental Yield ... Error! Bookmark not defined.

Free Maintenance Package .......................... 9

Category 1 - Full Ownership ....................... 10

Purchase Costs ........................................... 10

3% Stamp Duty ........................................... 10

Payments and Steps ................................... 10

Resale ......................................................... 10

HMRC and Tax ............................................ 10

Insurance Fee ............................................. 11

Additional Services .................................... 11

Viewing Visits/Tours .................................. 11

Buying Process & Case Studies .................. 11

Best Buys for Investment ........................... 11

Offer Sheets ............................................... 11

Offer H1: Small 2-Bed Houses -£55,999 .......... 12

Offer H2: Standard 2-Bed Houses -£59,999 ..... 13

Offer H3: Large 2-Bed Houses -£63,999 .......... 14

Offer H5: 3-Bed Houses -£69,999 ................... 15

Offer H7: 3-Bed Semis - £129,995 ................... 16

More on Investment Properties ..................... 17

Best for Investment- Why? ........................ 17

Holiday Use ................................................ 17

Future Own Use ......................................... 17

University Accommodation ....................... 17

Mortgages .................................................. 18

Residency in the UK ................................... 18

Brexit – Demand Has Increased ................. 18

Residency in the UK ................................... 18

House are Better than Apartments ........... 18

London ....................................................... 18

Other Large Cities ....................................... 19

Leasehold Apartments ............................... 19

UK Property Prices ..................................... 19

3 Year Investment Summary .......................... 20

Investments to Avoid .................................... 21

Beware of Student Rooms ......................... 21

UK Property Market ...................................... 22

Property Purchase - Comparisons with Sales Estate Agents ................................................ 22

Long Term Letting – Comparison with Normal Letting Agents ............................................... 23

Capital Growth and Total 10 Year Investment Returns ......................................................... 24

Other Benefits with Find UK – Priceless ......... 24

How do Find UK make Profit? ........................ 25

There are 3 ways in which we can make profit25

Gross Rental Yields in UK ............................... 26

Our Rental Yields ............................................ 26

Investment Property Trends .......................... 27

Comparison of Investment Property in 3 Areas .......................................................... 27

UK Property Buying Process ........................... 29

Buying Investment Property .......................... 29

Buying Own Use Property .............................. 30

Find UK Property on BBC TV .......................... 31

Case Studies .................................................. 32

Format of Case Studies .................................. 32

Questions & Answers .................................... 61

These customers

have kindly

provided

Testimonials and

Case Studies.

See Pages 21-48

John & Helena Allott Zimbabwe Page 21

Adeniyi Onigbanjo Nigeria Page 22

Stephen Bucknall UK – UAE Page 23

Peter Burgess South Africa Page 24

Hadil Haidar

Kuwait Page 25

Plamen & Gloria Iliev Bulgaria Page 26

Cathy Loftus South Africa Page 27

Ley Moy & Yoon Fa Malaysia Page 28

Khalid Alhuwail Kuwait Page 29

Norman Zimbewa Zimbabwe 0

Steve & Janet Fenech Cyprus -UK Page 31

Claire & Patrick France Page 32

Lynn McCouat Gibraltar Page 33

Veejay Bull UK-KSA Page 34

Najmi Khawja Malaysia Page 35

Ivan Yau Hong Kong Page 36

Jamjuree Jivavichakul Thailand Page 37

Khurram Aleem Singapore Page 38

Matthew Murphy Thailand Page 39

Suzanna Okonkwo Nigeria Page 40

Waseem Rashid Dubai - UK Page 41

Rafik Khaleel Hassan Egypt Page 42

Edward Alberga Cayman Is. Page 43

Tony Soya East Africa Page 44

Paul & Donna Viney Bermuda Page 45

Cheryl McKenna KSA- UK Page 46

Dr. Kamal Badr Qatar Page 47

Dr Ahmed Mahmoud KSA Page 48

What We Do Find UK Property are the 'buyers' agent and specialise in helping serious overseas buyers find the most suitable UK property for their needs - at the lowest price. Most of our overseas buyers can be grouped into two main categories – those looking for investment properties and those looking for a property for their ‘own use’.

Investment Properties

Overseas Nationals Many overseas buyers are looking to the UK for a secure place for medium to long-term investment. They are not looking to immigrate into the UK immediately (although some may consider it in the future), but simply wish to grow their money securely and with the least amount of hassle. They usually have some link with the UK or intend to send their children to study here in the future. Many may have studied here themselves. They are looking for a company that offers a complete solution; this includes finding investment property, dealing with the purchase process and lettings and management, paying the net rent to them, dealing with UK authorities and possibly managing the future re-sale of the property. Some of them may wish to come to the UK in the future and even re-sell their investment properties to buy an 'own use' property.

UK Expats Many of our clients are actually UK nationals who are working or living overseas. They want to invest for the long term in a safe and secure country (i.e. their own country - the UK). Some may eventually wish to retire in the UK and may sell one or more of their investment properties to get an own use property. Others will simply keep these properties for long term investment and they may pass these on to their children. Having a real asset that they own outright and that grows in value, generating good retirement income makes sense for them and they feel safe in having such a property in the UK. Many clients start with one property and in later years acquire more to build a small portfolio (see customer case studies section).

UK Residents Many UK residents living in the south or in London are now considering low cost houses for investment and long term pension type income. Prices in London and South are very high and % rental yields much lower. The same property which we sell for £60,000 here in Lancashire county near Manchester is over £300,000 in the South. In the past London has done very well in capital growth – however this is less likely to be the case going forward and the risks of buying here are now higher. Our clients from the UK also like our “hand-off” system where we work differently to normal Estate Agents and Letting Agents and provide a much more comprehensive service looking after all aspects of the purchase and the subsequent long-term management with a Guaranteed Rent System. Our UK clients are mainly either busy professionals working in or near London or those that have retired or coming up to retirement.

Ideal Investment Properties Our low-cost investment properties are ideal for this purpose. These properties deliver amongst the best net rental yields in the UK and are expected to grow well in capital value over next few years. Rather than purchasing ONE more expensive property, it is far better to purchase multiple, smaller, lower cost investment properties for the same budget. This will deliver better overall net rent, greater capital growth, less risk, be more tax efficient and provide more flexibility. Our group of companies are able to provide you with a complete property investment solution. We acquire suitable investment properties, rent them out, and then sell them to overseas investors in a secure way (It is like a continuous production line and we are managing over 800 such properties for clients with about 20 to 25 more added each month). We have systems in place to significantly reduce risk; the use of official client accounts, and the appointment of knowledgeable independent solicitors to do local searches and complete registration under the buyer's name at the UK Land Registry. Thereafter, we normally continue to manage the properties on their behalf and provide regular statements and net rental payments into their accounts. This way we control all aspects of the process and have full accountability to the buyer, making the purchase and management process much easier. Clients of our partner company, Sandcastles, are also given the same

UK Investment Properties What We Do

levels of service, and, when they visit the UK, we help them with property viewing, the purchase process and provide post-purchase property management. We can help you buy even if you are not able to visit the UK right now as ID documents can be attested by a lawyer in your own country.

‘Own Use’ Properties

In some cases, overseas buyers may be looking for a property for their own use. Such properties are not owned by our group of companies and are only available in the third-party re-sale market. In such cases we act as ‘Buyer’s Agent’ to find the most suitable property for you in the UK. Where we act to find you properties from third party sellers and agents, we normally charge a fee, a portion of which may have to be paid up-front as a registration fee. Such a fee is not charged for investment properties purchased from us or from our group of companies. Only buy such an “own use” property if you definitely plan to use it yourself and are relocating to the UK right now. If you are unsure, buy an investment property or multiple investment properties instead and re-sell them later, if required, to get an ‘own use’ property. Although there are exceptions, an ‘own use’ property will typically cost more, have lower rental yields, more running costs, higher risks and will be harder to re-sell. Further, they usually have lower capital growth than the commodity low cost ‘Best Buy’ investment properties shown in this brochure. In many cases if you are coming back to the UK it is best to rent initially (e.g. 6 months) to make sure you are happy with the local area and community before buying. This may also qualify you to getting a mortgage as mortgages are currently not offered to non-residents. In some cases, for ‘own use’ properties, we may simply give you advice and refer you to local estate agents who may be more familiar than us with your desired location. If that is the case, we will tell you that we cannot deal directly with your property search but will still provide help and advice. We normally advice clients to only buy such a property if they definitely plan to use it and are relocating to UK right now. It may be best for them to just rent

for a short while, if and when they come to the UK - until they were happy with the community and location. Then they could buy. Many clients end up buying in the wrong location and sometimes their circumstances change and the property purchased is not suited to their needs.

Why Use Us Searching for a suitable UK property on your own can be time consuming, stressful and costly. It can take a long time to get a full picture of what is on the market and what represents fair value, especially if you are based overseas. Without detailed knowledge of the market, you may end up wasting your precious time in viewing properties that do not really meet your requirements. In the case of investment properties, after purchase you will need to deal with renting and property management too. Our investment properties provide a complete solution for many overseas buyers and represent great value for money. These are by far our best-selling properties.

The Award Winning Agency

We are fully licenced members of the National Association of Estate Agents. Our staff have passed the relevant examinations set by the National Federation of Property Professionals. One of our staff was officially recognised by NFoPP as achieving the highest marks amongst all UK Estate Agents in 2012.

Customers can have the confidence of knowing that they will be dealing with a company that has undertaken to treat them fairly if problems arise, and deliver customer service standards that go beyond minimum legal requirements. We are members of the Property Ombudsman's Scheme (Regulatory Scheme) and follow the Trading Standard Approved Code.

UK Investment Properties About Us

We are regulated by the Information Commissioner (Data Protection Act) and customers can be confident that any ID or passport copy information they provide will be treated confidentially and kept secure.

Winner & Highest Achiever in “UK Residential Property”

Writing in “Property Professional Magazine”, the official magazine for accredited members of National Association of Estate Agents and other UK Property Associations, Tariq Mohammed, a director of Find UK Property, said “We are really delighted in winning the Highest Achievement Award in Sale of Residential Property. Our company sells UK properties to overseas investors. Such buyers want to deal with professional and knowledgeable property consultants and this award will further help us, by showing that we have well-trained staff.”

About Us The UK’s leading property specialists for overseas buyers.

Part of a Large Group Find UK Property is part of a large family group of companies specializing in International Property Sales and Property Management. The group operates from the 26 acre business park (Time

Technology Park), where we have our UK offices in Lancashire. The group has been established at this site for almost 30 years.

Dedicated Sales and Admin Teams Find UK Property specializes in UK investment properties with full service and long term support. Although part of a large group, we have small dedicated teams dealing with customer sales and customer admin and providing a very personal service. Our Sales Team consists of senior property consultants with many years of experience of the UK Property market.

We have a policy whereby our most senior and experienced staff deal with customers directly and aim to answer most calls and emails, as we appreciate that overseas property purchase is a major decision for most people. The Admin team provide support with regards to all agreements, payments for property, client account statements and property management updates. Usually, your main contact will be one of the Senior Consultants or a Company Director. Whilst other staff will work on your property, senior staff will accompany you to key viewings and keep you updated with all aspects of your property search and the buying process.

Property Professional – Nov/Dec 2013 Issue pages 62-63

UK Investment Properties About Us

Middle East HQ Our partner company ‘Sandcastles’ in Dubai, UAE is responsible for all of the marketing and customer acquisition for investment properties that are purchased by overseas buyers. Our sister company ‘Openshore Property’ sells property in Dubai to buyers from all over the world - see www.openshoreproperty.com. Sandcastles has agreements with many worldwide property developers and sellers, and thus, we can benefit from this relationship, especially for investment properties. Even if you are a Sandcastles client buying investment property in the UK, when you visit the UK, Find UK Property will help you with the property viewing and purchase process. We will provide an excellent level of service to property purchase completion, and also help with post-purchase full property management.

UK Office Our UK offices are 45 minutes from Manchester International Airport. Please contact us prior to arranging a visit.

http://www.openshoreproperty.com/

UK Investment Properties Investment Property

Investment Property

What We Do We Provide Low Cost Investment Property with Full Management and Guaranteed Rent for Overseas Buyers The UK is one of the world's best areas for secure property investment. Prices on UK property are now low due to falls from 2007 to 2010 and rental returns are good with up to 8% gross rent on low cost properties. Now prices are expected to rise in line with economic recovery in the UK and prices on lower cost properties could double within 6 to 8 years. Find UK Property provides a complete service to overseas property investors in the UK. Our view is that lower cost terraced houses of £55,999 to £70,000 provide the best value for investment and will produce the best capital and rental growth over the long term.

‘Best Buy’ Investment Properties These Best Buy investment properties listed below are already rented out and managed by us. They are low cost, give high rental yields, come with 2 years guaranteed rent (can be extended), are expected to grow well in value over the next few years and are easy to resell. We continually acquire, rent out, sell and subsequently manage such property. These are the most popular purchases made by our UK investors, expats and overseas buyers.

Location

Traditionally there have always been two popular investment hotspots – London and the North West of England (Manchester, Liverpool Leeds region). London is very expensive and rental yields are much lower; thus, the best area is the North West of England, as shown on the map below.

Thus, these Best Buy investment properties are not in London (property in London is already very expensive with low rental yields of about 4% and low future capital growth). These properties are located in high rental demand residential areas of Lancashire Towns about 40 minutes north of Manchester Airport. Here is an aerial view of a typical town in this region.

A typical Lancashire town consists of terraced properties near the town centre, and more expensive semi-detached and detached properties in the suburbs. Rental demand is highest for the terraced low-cost properties. Below is an aerial view of a typical town area near the centre with terraced properties.

Terraced properties that are located closer to shops and main roads, and are walking distance from the town centre or have good bus routes, are


best for investment; thus, we always acquire these properties as we have to provide guaranteed rent.

A typical terrace consists of rows of 2-bed or 3-bed houses as shown in the picture below. In the past year, over 250 such properties have been sold to investors. If you are not sure which UK property to buy, then buy one of these. The most popular types (our Best Buy offers) are listed further in this section.

Type – Terraced House

These are the standard commodity properties in this part of the UK and are built of real stone or brick, with slate roofs. Almost 80% of the population live in these types of properties. About 75% are owner occupiers and about 25% are in the investment/rental market. All properties are fully fitted with kitchens, bathrooms, carpets, central heating etc. but do not include loose furniture. It is standard to rent out unfurnished as this has less liabilities for the owner.

Management System & Rental Yields There are the 3 main systems in the market. We offer the Net Guaranteed Rent System as standard.

Gross Rent System - 8 %: Most agents use this system. This is the market rent for properties in this area. A property costing £59,999 will on average deliver £4,800 gross rent if fully occupied for the whole year with a regularly paying tenant and no void periods. The gross rent you actually get would be less than this on average especially if you get a bad tenant or long vacant period. On top of this the agent would charge you a management fee which can vary from 12% to 18% of the rent. They would also charge your for repairs and maintenance as these arise. We do not use this system Basic Guaranteed Rent System - 7%: A few agents use this system. The rent is paid even if no rent is collected from a tenant (e.g. vacant periods or tenant not paying rent). On top of this the agent would still charge you a management fee which can vary from 12% to 18% of the rent. They would also charge your for repairs and maintenance as these arise. We do not use this system. Net Guaranteed Rent System – 6% This is the most important figure and the system we operate. This is the net rent you get after ALL costs and is guaranteed – no matter what. For H2 type house costing £59,999 you get Net Guaranteed Rent of £3,600 per year. On top of this you get capital growth with houses expected to double in value over next 10 years. -There are NO management fees to pay us when you are on Net Guaranteed Rent. Most agencies charge 10% to 15% + VAT = 12% to 18% management fees, but this would not apply. - Our Net Guaranteed Rent System also includes the Free Standard Maintenance Package shown below for the first 3 years. This is the system we operate as default. The rate of 6% per year is guaranteed for a minimum of 3 years and after this automatically renews (as per wishes of owner) each year at the same rate unless rents in the market have changed significantly.

Future Ongoing Net Guaranteed Rent – 6% After the first 3 years the default rate remains at 6% per year. It may be changed if rents in the market have changed significantly. E.g. If Average Gross Rent in the market increases by 1% to 9%, we would increase the Net Guaranteed Rent by 1% to 7%.


Overall Net Guaranteed Rent System is better than getting Gross Rent and Basic Guaranteed Rent. It gives you certainty of income and on average the net rent you actually get is better.

Free Maintenance Package

– 3 Years. All these items are FREE for the first 3 years. Thus you have no property maintenance costs at all. All of these are included in our package. -Annual Gas certificates and -Electrical Certificates -All Repairs of any nature (e.g. plumbing issues, leaks, roof and boiler problems) -Council tax and any other bills during void periods -Tennant Damage, Eviction and Court Costs The main reason why we can offer this free of charge is that we do not expect any significant repair costs in the first 3 years as properties are freshly renovated at start. After the first 3 years clients continue with a maintenance package. The Standard Package shown above costs 0.5% of property price per year (only £300 per year for H2 2-bed house) after the first 3 years.

Category 1 - Full Ownership All houses are category 1 ownership. This means 999 years (almost 1,000 years leasehold) or freehold. There is no difference in value between these two. This is the best form of ownership in the UK. (We do not sell category 2 properties that are 99 years or 125 years leasehold). Most of the houses in North West of UK are nominal leasehold for 999 years with nominal (less than £1 per year) ground rent.

Purchase Costs The purchase costs are negotiated with third parties and fixed at £999 and include solicitor costs, local searches, 12 month’s insurance and land registry fees.

3% Stamp Duty The buyer has to pay the 3% stamp duty fee. If you do not own another residential property (anywhere in the world) you can get exemption. The amount of fee on this type of property would be £1,800. Total Cost (£59,999 + £999 purchase costs + £1,800 stamp duty) = £62,798

Payments and Steps

There are TWO key stages: - Reservation of a type of property and then Selection of Specific property 4 to 5 weeks later. 1. Provide ID Information & get Agreement 2. Visit if possible and sign Agreement 3. Make 10% payment plus the purchase costs of £999. There can be a gap of up to 6 months between Reservation and Final payment if requested by Buyer. Normally 1 to 2 months. 4. Agree Specific Property 5. Payment 90% plus any stamp duty This can be made in instalments if needed. Rent starts 30 days after payment is complete. 6. Purchase Completion & Registration at Land Registry 7. Rent is paid at end of each calendar quarter into any nominated bank account (overseas or in UK) belonging to owner.

Resale Clients can resell their properties at any time and can use us, other agents, or themselves. We advise clients not to purchase if they are looking to resell within 2 years as they will not make much profit due to buying and selling costs. Most clients are buying for long term investment and for such a purpose, these properties are ideal. If you buy and immediately resell you will lose money.

HMRC and Tax

We guide you to make this easy for you. Registration as Non-Resident Landlord (NLR) After completion, we register you with HMRC to obtain a NRL Reference Number (if needed) so that your rental income is paid without deduction of any income tax. Annual Tax Free Allowance All nationals of UK, EU and most other countries are eligible for the UK personal allowance. This is a very good benefit for retirees, foreign buyers and expats. Currently this is £12,500 per person per year (A couple thus have £25,000). Thus any rental income below this level would be tax free. A couple could own 6 or 7 such properties without paying any tax. Tax Returns, Filing and Paperwork We can provide a service to do the annual tax return and other HMRC paperwork for you, for a small annual fee.


Insurance Fee he annual insurance fee is the only cost that is client’s responsibility (as insurance cannot be paid by third parties and must be paid by owner). Full buildings insurance for a typical House Type H2 house is negotiated to only about £99 per year. The first years’ fee is included in the purchase costs and is thus not charged separately. In future years, we handle this for you and deduct from rent. There are no other ongoing costs for clients. All utilities

and any council/community tax is paid by tenant (or by

our company if property is empty). All repairs and

property maintenance are our responsibility.

Additional Services

For non-resident and overseas clients we can also

provide HMRC services including filing of Tax

returns. We are an registered HMRC Tax filing

agent. We can also help you with future planning

and the making of simple UK Wills if required.

Viewing Visits/Tours

Since these investment properties are very popular, it is difficult for us to deal with the volume of speculative enquiries and arrange viewing for everyone without notice. After your identification, we aim to provide as much information as possible by email to enable you to make a provisional decision. Thereafter, you can decide whether as visit to the UK is worth pursuing. We can provide the following service free of charge only to serious customers who are likely to proceed following the viewings and the meetings in the UK. Each visit takes about 3 to 4 hours and involves meetings with senior consultants

➢ Land at Manchester or Liverpool Airport, or if coming from London, come by train from Euston to Preston Station (2-hour journey).

➢ We collect you from the airport, railway station or your hotel.

➢ Have a meeting with you at our offices to discuss your purchase.

➢ Show you the different types of properties and different areas within Lancashire. If you have already reserved, show you the specific recommended properties to select from.

➢ Meet solicitor and attest documents if required (or these can be done easily overseas – we send you all the forms after reservation)

➢ Agree a plan of action for after your visit.

Buying Process & Case Studies

The ‘Purchase Process’ and ‘Questions and Answers’ sections at the end provide detailed information regarding the buying process. Also have a look at the detailed case studies written by our longstanding clients from all over the world.

Best Buys for Investment

H1- £55,999 Small 2-Bed H2- £59,999 Standard 2 Bed H3- £63,999 Large 2 Bed H5- £69,999 3 Bed H7- £129,999 – Semi-Detached 3-bed. Not Best for investment 90% of the houses fit into these main categories but we do have other types of properties in the that are not shown here.

Offer Sheets

When purchasing such a property from Find UK and partner companies, you will be guaranteed a minimum specification and standard of property so that you can confidently make a reservation first. Reservation gives you priority. About 5 weeks after reservation, you can select and agree the specific property (from a choice of 8 to 10 houses) prior to your second (90%) payment. This will then be transferred to you as per the terms in the Reservation Agreement which you can request upfront after you have provided your ID. The agreed specific property will be as per the details, floor plan, pricing, and rental shown here. All Fees and Costs are also shown here. See details on following pages

UK Investment Properties Offer H1: Small 2-Bed Houses -£55,999

Offer H1: Small 2-Bed Houses -£55,999 Lowest cost properties with lower rent

House Layout Two small rooms downstairs (Lounge and combined Dining room/kitchen with rear yard and two small bedrooms upstairs plus 3-piece bathroom.

Rental Yield We offer the Net Guaranteed Rent System as standard. For these properties the Net Guaranteed Rent is 6% of property contract price per year (£3,360 per year). Gross rent is higher at around 8% of property price but Net Guaranteed Rent provides certainty of income with No Costs.

Property Sizes for Type H1 -Lounge – 12ft by 13ft. (3.7m by 4m) -Dining Kitchen – 12ft by 10ft. (3.7m by 3m) -Bedroom 1 – 10ft by 13ft. (3m by 4m) -Bedroom 2 – 9ft by 8ft. (2.9m by 2.5m) -Bathroom -10ft by 6ft. (2.9m by 1.9m) -Rear yard/garden – up to 15ft by 13ft. (5m by 4m) -Car parking: ample free car parking on street

Purchase Costs and 3% Stamp Duty The purchase costs are negotiated with third parties and fixed at £999 and include solicitor costs, local searches, 12 month’s insurance and land registry fees. The buyer has to pay the 3% stamp duty fee. If you do not own another residential property (anywhere in the world) you can get exemption. The amount of fee on this type of property would be £1,680 Total Cost (£55,999 + £999 purchase costs + £1,680 stamp duty) = £58,678

Free Maintenance Package – 3 Years. All these items are FREE for the first 3 years. Thus you have no property maintenance costs at all. All of these are included in our Net Guaranteed Rent Package. -Annual Gas certificates and -Electrical Certificates -All Repairs of any nature (e.g. plumbing issues, leaks, roof and boiler problems) -Council tax and any other bills during void periods -Tennant Damage, Eviction and Court Costs The main reason why we can offer this free of charge is that we do not expect any significant repair costs in the first 3 years as properties are freshly renovated at start.

After the first 3 years clients continue with a maintenance package. The Standard Package shown above costs 0.5% of property price per year (only £280 per year for H1 2-bed house) after the first 3 years.

Payments and Steps 1. Provide ID Information & get Agreement 2. Visit if possible and sign Agreement 3. Make 10% payment plus £999 costs - £6,599. Buyer can request a gap of up to 6 months between Reservation and Final payment if needed. Normally 1 to 2 months. 4. Agree Specific Property (5 weeks after reservation) 5. Payment 90% plus stamp duty £52,079. This can be made in instalments if needed. Rent starts 30 days after payment is complete. 6. Purchase Completion & Registration at Land Registry 7. Rent is paid at end of each calendar quarter into any nominated bank account belonging to owner.

UK Investment Properties Offer H2: Standard 2-Bed Houses -£59,999

Offer H2: Standard 2-Bed Houses -£59,999 Buy one of these if you are not sure which to buy.

House Layout Two rooms downstairs (Lounge and combined Dining room/kitchen with rear yard and two bedrooms upstairs plus 3-piece bathroom.


Property Sizes for Type H2 -Lounge – 12ft by 13ft. (3.7m by 4m) -Dining Kitchen – 12ft by 13ft. (3.7m by 4m) -Bedroom 1 – 12ft by 13ft. (3.7m by 4m) -Bedroom 2 – 10ft by 8ft. (3m by 2.5m) -Bathroom -10ft by 6ft. (3m by 1.9m) -Rear yard/garden – up to 20ft by 13ft. (6m by 4m) -Car parking: ample free car parking on street

Purchase Costs and 3% Stamp Duty The purchase costs are negotiated with third parties and fixed at £999 and include solicitor costs, local searches, 12 month’s insurance and land registry fees. The buyer has to pay the 3% stamp duty fee. If you do not own another residential property (anywhere in the world) you can get exemption. The amount of fee on this type of property would be £1,800. Total Cost (£59,999 + £999 purchase costs + £1,800 stamp duty) = £62,798



Payments and Steps 1. Provide ID Information & get Agreement 2. Visit if possible and sign Agreement 3. Make 10% payment plus costs - £6,999. There can be a gap of up to 6 months between Reservation and Final payment if requested by Buyer. Normally 1 to 2 months. 4. Agree Specific Property (5 weeks after reservation) 5. Payment 90% plus stamp duty £55,799. This can be made in instalments if needed. Rent starts 30 days after payment is complete. 6. Purchase Completion & Registration at Land Registry 7. Rent is paid at end of each calendar quarter into any nominated bank account belonging to owner.

BEST BUY

UK Investment Properties Offer H3: Large 2-Bed Houses -£63,999

Offer H3: Large 2-Bed Houses -£63,999

House Layout Three rooms downstairs (Lounge, Lounge 2/Dining Room and separate kitchen with rear yard and two bedrooms upstairs plus 3-piece bathroom.


Property Sizes for Type H3 -Lounge 1 – 14ft by 13ft. (4.3m by 4m) -Lounge 2 – 12ft by 13ft. (3.7m by 4m) -Kitchen – 8ft by 6ft. (2.5m by 1.9m) -Bedroom 1 – 14ft by 13ft. (4.3m by 4m) -Bedroom 2 – 11ft by 8ft. (3.4m by 2.5m) -Bathroom -10ft by 7ft. (3m by 2.1m) -Rear yard/garden – up to 20ft by 13ft. (6m by 4m) -Car parking: ample free car parking on street





UK Investment Properties Offer H5: 3-Bed Houses -£69,999

Offer H5: 3-Bed Houses -£69,999 House Layout Three rooms downstairs (Lounge, Lounge 2/Dining Room and separate kitchen with rear yard and three bedrooms upstairs plus 3-piece bathroom.

Rental Yield We offer the Net Guaranteed Rent System as standard. For these properties the Net Guaranteed Rent on these houses is lowest at 6% of property contract price per year (£4,200 per year). Gross rent is higher at 8% of property price but Net Guaranteed Rent provides certainty of income with No Costs.

Property Sizes for Type H5 -Lounge 1 – 14ft by 13ft. (4.3m by 4m) -Lounge 2 – 14ft by 13ft. (4.3m by 4m) -Kitchen – 8ft by 6ft. (2.5m by 1.9m) -Bedroom 1 – 14ft by 13ft. (4.3m by 4m) -Bedroom 2 – 11ft by 8ft. (3.4m by 2.5m) -Bedroom 3 – 10ft by 8ft. (3m by 2.5m) -Bathroom -10ft by 7ft. (3m by 2.1m) -Rear yard/garden – up to 20ft by 13ft. (6m by 4m) -Car parking: ample free car parking on street


Free Maintenance Package – 3 Years. All these items are FREE for the first 3 years. Thus you have no property maintenance costs at all. All of these are included in our Net Guaranteed Rent Package. -Annual Gas certificates and -Electrical Certificates -All Repairs of any nature (e.g. plumbing issues, leaks, roof and boiler problems) -Council tax and any other bills during void periods -Tenant Damage, Eviction and Court Costs The main reason why we can offer this free of charge is that we do not expect any significant repair costs in the first 3 years as properties are freshly renovated at start.



UK Investment Properties Offer H7: 3-Bed Semis - £129,995

Offer H7: 3-Bed Semis - £129,995

House Layout External appearance, room layouts and garden size may vary a little in each house from the pictures shown opposite. Semi-Detached means that there only one other property on one side. Usually a front drive and large garden. These are the popular semi-detached properties and are often used for own use rather than investment in this part of the UK. About 95% are owner occupiers and about 5% are in the investment/rental market. Most investment properties are the lower cost terraced houses. Normally three rooms downstairs but it can be two with open plan areas (Lounge, Dining Room/kitchen) with rear yard/garden and three bedrooms upstairs plus 3-piece bathroom. All properties are fully fitted with kitchens, bathrooms, carpets etc. but do not include loose furniture. It is standard to rent out unfurnished as this has less liabilities for the owner.

Rental Yield We offer the Guaranteed Rent System as standard. For these properties the Guaranteed Rent is lower than for terraced houses. As prices get higher the rental yields % falls. We offer Net Guaranteed Rent of 4% of property contract price per year (£5,800 per year). Actual gross rent is higher at around 6% of property price but Guaranteed Rent provides certainty of income and no costs. Under this system we also cover the costs of repairs and ongoing maintenance of the properties.

Property Sizes for Type S3 Property sizes vary -shown for average Type S3 house. -Front Private Area/Garden. -Lounge – Size varies - Sometimes two smaller lounges. Sometimes open-plan area. -Kitchen – 8ft by 6ft. (2.5m by 1.9m) varies. -Bedroom 1 – 14ft by 13ft. (4.3m by 4m) -Bedroom 2 – 11ft by 8ft. (3.4m by 2.5m) -Bedroom 3 – 10ft by 8ft. (3m by 2.5m) -Bathroom -10ft by 7ft. (3m by 2.1m) -Rear yard/garden – up to 40ft by 13ft. (12m by 4m) -Car parking: normally your own private driveway plus free parking on the street

The purchase costs are negotiated with third parties and fixed at £999 and include solicitor costs, local searches, 12 month’s insurance and land registry fees.

3% Stamp Duty The buyer has to pay the standard duty and 3% stamp duty fee. If you do not own another residential property (anywhere in the world) you can get exemption. The amount of fee on this type of property would be £3,999. Total Cost (£129,999 + £999 purchase costs + £3,999 stamp duty) = £134,997

Payments and Steps 1. Provide ID Information 2. Review and Sign Agreement

UK Investment Properties More on Investment Properties

3. Make 10% payment plus £999 costs - £7,999. Buyer can request a gap of up to 6 months between Reservation and Final payment if needed. Normally 1 to 2 months. 4. Agree Specific Property (5 weeks after reservation) 5. Payment 90% plus stamp duty £59,519. This can be made in instalments if needed. Rent starts 30 days after payment is complete. 6. Purchase Completion & Registration at Land Registry 7. Rent is paid at end of each calendar quarter into any nominated bank account belonging to owner

More on Investment Properties

Best for Investment- Why?

Here are just some of the reasons why we these properties are the best for investment and why we recommend such properties: ➢ High rental yield due to rental demand. ➢ Low cost due to fall in prices in 2007-2010. ➢ Good capital growth potential as the economy

is now recovering. ➢ Already rented out (no renting costs to you). ➢ Guaranteed rent option for minimum of first 2

years, for peace of mind. ➢ Secure purchase process with defined verifiable

stages. ➢ Low purchase fees that are fixed so you know

what your costs will be. Our view is that sub £100,000 properties (away from London) are the best for investment as they not only deliver the best rental yield but are now also expected to grow the most in terms of capital value.

Holiday Use

If you are looking for a holiday use for only 1 or 2 months of the year, then in most instances it will be best for you to buy a property most suited for investment and to leave that rented out all of the time. You can keep the rental income in the UK and then use this income to pay for your holiday accommodation as and when you visit. This is better, and gives you more flexibility as the

investment property can be purchased for the best yields, price and investment returns - and not necessarily in areas you need to live in or visit.

Future Own Use

If you are looking mainly for “own use” in the future either because you may relocate to the UK or for possible retirement, normally we would advise you NOT to buy a property yet. It may be best for you to just rent for a short while, if and when you come to the UK - until you were happy with the community and location. Then you could buy. Many clients end up buying in the wrong location and sometimes their circumstances change, and the property purchased is not suited to their needs.

A first step in planning to come back may be a pure investment property that gives income, grows in value and is easily affordable without a mortgage. This would give you options for the future. You could then use the rental income from the investment property to pay for any property you rent for your own or family use. This gives you more flexibility and the ability to move around until you are sure where you finally wish to live.

University Accommodation

If you are looking for a property that is near a university so that this can be used by your children if and when they do come to study in the UK, then our advice is that you should NOT purchase property yet. The problems are that the selected property may not be in the right location, in the right community, convenient for your child – even if it is near the town you think your child will study at. It is better for them to rent University accommodation initially and have the ability to move around to ensure they are in a convenient and safe location for their studies. We have many clients from overseas who wish to do this but practically they never end up using their own properties for one reason or another.

Again, you could get a pure investment property that you leave rented out all of the time and use this income to pay for your child’s university accommodation. This will give you and your child more flexibility.


Mortgages

Mortgages are not available to non-residents of the UK – even UK nationals. Hence, buy-to-let mortgages will not be available upfront for these properties. You will need to ensure you have sufficient funds to make the property purchase.

Residency in the UK

Purchase of any property in the UK does not give you any automatic residency, work rights, or permanent visa in the UK. As an investor, it will be easy for you to obtain visit visas, but you do not get automatic residency or ability to work in the UK. If residency is your main aim – then you should not buy a property - but seek appropriate visa or immigration advice.

Brexit – Demand Has Increased

The vote by the UK to leave the European Union has actually increased our sales and demand for low cost property away from London. The interest in UK property from all other countries in the world (including old commonwealth countries) has increased as the expectation is that UK links with other countries will be stronger. However, London, is more reliant on EU links and prices here are already very high. So, any negative news could have a negative effect on London prices. Already many investors are moving away from London to consider lower cost properties in the middle of the UK or North. This will have a positive effect on such lower cost properties and we have seen increases in demand.

Residency in the UK

The UK is an “open country” for property investment. Any National of any country can buy property in the UK. We are managing over 800 properties for overseas clients. Buying any property in the UK does NOT give any automatic rights to residency, long term visa or citizenship. All of our overseas clients buy such properties for long term secure investment and to give them options in the future. We keep them rented out for them and they keep the rental income in the UK and use this for their holiday accommodation, children’s university fees or other needs. This

gives them much more flexibility and works out to be more cost effective. Thus, the investment property can be in a different location and size to their holiday accommodation to deliver the maximum yield and long-term growth potential.

However, buying a property does increase your links with the UK and allows you to have income in the UK and be registered with HMRC tax office (although you may not pay any tax if your income is below £11,600 per person per year). It gives you options for the future and such a purchase may still be worth considering if you have long term plans to spend more time in the UK. If residency is your main aim - then you should not buy a property - but seek appropriate visa or immigration advice.

House are Better than Apartments

Many of the apartments, especially new apartments in cities come with NEW leases that are more favorable to the developer and include clauses that enable the developer to increase the service charges or ground rent every 5-year intervals. 50% of the developers profit now comes from future lease obligations. The result of this is that such properties may not grow in value over the long term.

The old nominal leases (999 years at £1 per year) and freehold properties such as houses do not have these problems, so you have total ownership and thus houses and are more suited to long term investment.

On average freehold type houses have doubled in value every 8 years for the past 60 years. The only exception was the financial crisis from 2007 to 2010 when prices actually fell on all types of property all over the world.

London

We do longer sell properties in or anywhere near London or the South as the prices there are very high and the % rental yields are too low. The same property which we sell for £60,000 here in Lancashire county is over £300,000 in the South. In the past London has done very well in capital


growth – however this is less likely to be the case going forward and the risks of buying here are now higher. Many clients just RENT near London (if they have to be near London for holidays or work) but they BUY multiple low cost investment properties away from London as this gives higher income now, and better potential for the future with lower risks. A purchase of a property for £300,000 in London will give net rent of around £9,000 per year (3%). The same fund will acquire over 5 houses in Lancashire giving net rent of £19,900 per year. It is better for investors to buy multiple lower cost properties for the same budget. The reason for this is that such lower cost properties, as well as delivering higher % rental yields and are now also growing better in % values (capital growth). These are also easier to rent out and resell, are more tax efficient, lower risk, and provide more long term flexibility as you can sell some whilst keeping others. We have many clients that have done this. For new clients who are not confident with us yet, we would normally advise you to purchase just ONE low cost property first and go through the process and be confident and happy with everything before buying more.

Other Large Cities

Properties inside the major cities away from the South e.g. Manchester, Liverpool, Birmingham, Leeds, Sheffield and Glasgow tend to be apartments. These are on the new type of short leases 99 years or 150 years and with service charges that can increase every 5 years. In our view these are not good for long term investment. On the outskirts of Cities you can get terraced houses. However the prices here are 2 to 3 times more than the prices in Lancashire but the rent are not 2 to 3 times higher. Thus the % rental yields are lower and it is not possible for us to provide Net Guaranteed Rent at 6% levels for the long term. In our view the best value is represented by the lower cost houses in Lancashire as these will deliver better rental yields, higher capital % growth and lower risks.

Leasehold Apartments

Almost all of the new apartment developments (e.g. in city centres) fall into the new leasehold category and are not suited to long term investment. The reason for this is that owners do not have true ownership due to the lease being 99 years or 125 years etc and in the new leases the service charges can be increased by the developer after every 10 years. The net result is that these type of properties (whilst looking good on paper) do not appreciate well over the long term. Thus it is better to buy houses rather than apartments If the apartments are not ready then the risks of off-plan remain. Typically there are too many parties involved. The sales company, the developer, the builder and the management company. Agreements made with the sales company will not be fulfilled by the sales company. The people you buy from are not the people you deal with long term. Thus any promises made will depend on the fine print of any agreements and will only apply to the parties that made the agreements. No one party will take the total responsibility or accountability for the investment and its returns. The guaranteed returns and buy back assurances may be given by other third party companies and not the seller.

UK Property Prices

Historically, on average, property prices have doubled in value every 8 to 10 years for the past 60 years. The only exception to this was the period from, 2007 to 2010 when prices fell and then remained static for another 3 years. Now they are rising at the previous rates. Thus overall, whilst no-one can predict the future, our expectation is that there will be good capital growth in the next 10 years and the previous trend will continue. Prices are expected to more than double in the next 8 to 10 years.

UK Investment Properties 3 Year Investment Summary

3 Year Investment Summary

Property Versus Other Investments

The figures below compare a low cost investment property purchase via Find UK with

other forms of investments.

The figures assume you have £60,000 to invest.

Bank/Savings

• Many people keep their money in a bank or savings account where the average

growth rate is less than 1.0% per year. They could make a profit of £1,666 over 3

years.

Pension Fund/ISA/Shares

• Other people invest in Pension Funds, ISAs or Shares. The average total growth

rate has been around 3.0% per year. They could make a profit of £5,100 over 3

years.

Find UK Investment Property – 2-Bed House – Example at £55,000

• Property gives customers both capital growth and rental income. Find UK

properties are selected with both of these in mind to deliver total expected growth

of around 14% per year. Such buyers could make a profit of £24,302 over 3 years.

Bank/Savings Pension Fund Find UK

ISA/Shares 2-bed House

Initial Investment £60,000 £60,000 £60,000

Capital Growth Rate % per Year 1% 3.0% 7.0%

Value of Investment after 3 YEARS £61,810 £65,563 £73,502

Guaranteed Net Income -3 YEARS £0 £0 £10,800

Total Return % 1.0% 3.0% 13.5%

Total Profit - 3 Years £1,810 £5,563 £24,302

Potential Loss compared with Property -£22,492 -£18,739

If you have £60,000 to invest, then compared with a Find UK Property, you would LOSE

OUT around £18,000 to £22,000 with other forms of investment.

If you are able to invest for the long-term (3 to 5 years plus), then a suitable low cost

investment property is the best option.

Whilst the capital growth rate on property is not guaranteed, it is expected to do well. The

rent is guaranteed.

UK Investment Properties Investments to Avoid

Investments to Avoid

Beware of Student Rooms

These are single rooms within student flats and sold as leased investment units. The properties are built by builders and developers, marketed and sold by sales companies and managed by different student management companies. The rooms can only be rented out by the management company – you cannot use them or rent them out yourself. They can only be re-sold to another investor who agrees for them to be continued to be used as student-only accommodation. Whilst there are some projects that offer good value, many do not due to high management/ service costs and short leases (student properties are not freehold). Prices are inflated with a single mini bedroom in a shared flat costing around £50,000 and they cannot be sold to anyone other than an investor. Thus, the market re-sale value may not rise (and can fall). Typically, these are sold by aggressive sales agents who do not have control over the property and no subsequent contact with the buyer. We have had many customers who have contacted us wanting to exit such investments and were prepared to do so even at a loss. Student rooms are not really comparable with freehold houses and would be impossible to sell without the guarantees made by the companies advertising them. Unfortunately, such guarantee wording is drafted in a way in which there is a 'get-out' for the developers, managing companies and sales agents in case the yields and growth are not achieved. This means that it is in fact the investors that carry the risks. We have sold these rooms in the past and they are not the risk-free investments many of these companies claim them to be. With the student investments, there can be several parties involved - properties are sold by the commission based sales company, they are purchased from the developer or builder, and the student management company who you will be dealing with is completely different. When you purchase a standard house with our help, we are responsible and liable for all aspects of the

purchase, rental and management; we remain your contact for the life-time of your investment. The best student property to buy is a standard house near a College or University. Standard UK houses can be sold to anyone (or used by yourself) and are now increasing in value at good growth rates. See these articles:- “Student 'digs' offer a harsh lesson for

investors”

http://www.telegraph.co.uk/finance/personalfinanc

e/investing/buy-to-let/10852153/Student-digs-

offer-a-harsh-lesson-for-investors.html

“Don’t get suckered by student

accommodation”

http://moneyweek.com/dont-get-suckered-

investing-student-accommodation/

Hotel Rooms, Care Homes, Car Parks &

Storage Pod Investments These fall into a similar category to student pods. The values are inflated, there is no true re-sale market (can only be sold to another investor) and capital growth is not realised. There are multiple companies and contracts in each transaction and no one company totally accountable to the investor. Whilst returns may be guaranteed for a short period there are hidden charges

‘Under-Construction’, Off-plan

apartments or Virtual Property Take extra care when purchasing an investment property that is yet to be built or is under construction. The risks with such properties remain high. The project could be cancelled, and there can be delays in completion and then in renting the properties out. Prices are often inflated by developers as properties are difficult to compare. For investment, only consider property that is built and already rented out. Buy from a company that has control over the property and who remains responsible to you after the sale. Again, there are exceptions and some of these properties can be suitable, especially for your own use in cities.

http://www.telegraph.co.uk/finance/personalfinance/investing/buy-to-let/10852153/Student-digs-offer-a-harsh-lesson-for-investors.html



http://moneyweek.com/dont-get-suckered-investing-student-accommodation/

http://moneyweek.com/dont-get-suckered-investing-student-accommodation/

UK Investment Properties Property Purchase - Comparisons with Sales Estate Agents

UK Property Market Find UK Property work “differently” to normal Estate Agents and Letting Agents. We provide a much more comprehensive service looking after all aspects of the purchase and the subsequent long-term management under a Net Guaranteed Rent System. This delivers overall better value and lower costs for our clients. There are savings in property purchase and savings in long-term letting.

Property Purchase - Comparisons with Sales Estate Agents Our clients get better value when they buy their properties from us. The chart below compares our lowest cost H1 small 2-bed house priced at £55,999 that is fully renovated and rented out to a good tenant, with buying property in the open market from other agents and sellers. All properties in the open market will need some degree of work before they can be rented out. Very low cost houses that are in poor condition (e.g. priced around £35,000 to £40,000) often need a lot more work (although they are the cheapest), and, can end up being more expensive as can be seen in the chart. Although there can be benefits in renovating a run-down expensive luxury property, the cost benefits of doing this with low-end properties for normal

owners are low and can be negative (because labour costs are a big percentage of the property value). So, it is better to buy such properties fully renovated with guarantees. Unlike normal agents we buy the properties first ourselves. Then we renovate them fully at our own costs to a good standard and categorise them according to their value and investment potential. Within each category the houses are very similar. We ensure all houses are compliant with all the legal rental requirements and then we rent them out to good tenants who will live in the properties for a long time and look after them. Due to our buying power and use of our own staff to renovate and rent out, we can make overall savings. This means that we can make a profit

UK Investment Properties Long Term Letting – Comparison with Normal Letting

Agents

whilst still delivering great value for money to our clients. See the examples above. Whilst you may see a property in the open market at a lower price, you need to factor for everything that is included in our package and compare ‘like for like’. When you do this, you will find out as per the examples shown that our total package price is lower. Also note that when you buy from the “open market”, you do not get guarantees with the property or ongoing repair guarantees. When you buy from us you do get these. If you use contractors for the renovation yourself then they may charge you even more than the prices shown in the table and you will need to monitor the work yourself to ensure it meets the standards.

Long Term Letting – Comparison with Normal Letting Agents

Our clients get better value when they keep their rental management with us under the Net Guaranteed Rent System. The chart below compares 10 Years of letting with Find UK Property and Standard Letting Agents. We have shown 3 types of Letting agents with various standards of management (Poor, Average and Good). This chart assumes rents remain static for all (although we would expect it to grow). The way we work to manage and look after these properties ensures that overall costs are kept low as we do everything ourselves and treat these properties like our own. Because we renovate properties well up-front, the cost of maintenance and repairs to us is low, but the value to our clients is very high. This means that we can make a profit on the lettings service whilst still delivering great value to our customers. The chart above compares our pricing, product and service with normal letting agents. Overall, our clients get better rental income and greater peace of mind.

UK Investment Properties Other Benefits with Find UK – Priceless

Capital Growth and Total 10 Year Investment Returns

Capital growth is hard to forecast but on average these types of houses have doubled in value every 10 years over the past 60 years. The only exception was 2007-2011 when they fell in price following the worldwide financial crisis. In the example below, we have assumed all houses would almost double in value over 10 years and give a capital return of £50,000. This is a reasonable estimate. The total investment return plus rental income return is also shown. You can see that overall, low-cost property gives good annual returns on investment. It is more secure and gives better returns than anything else you can invest in. Even with poor management you still get good returns of over 10% annually. Find UK and Good Management with any other good letting agent are expected to deliver returns of around 14% annually on such houses in the long term.

Other Benefits with Find UK – Priceless Our clients find that there are other benefits with Find UK that are difficult to cost and price up. We have listed some of these here. Net Guaranteed Rent gives Certainty of Income Clients normally remain under our Net Guaranteed Rent system – even after the minimum 3 years, as the Guaranteed Rent System can be renewed on an annual basis. Thus, clients continue to benefit from certainty of income and can plan their life confidently. Landlord Liabilities are Taken Care of We take authority from you to become the Landlord whilst you remain the Owner. This means that we can deal with all issues relating to the responsibilities of the Landlord. Normal letting and management agents do not do this, and you will still need to be involved if there are any legal issues with the property, tenant or authorities.

UK Investment Properties How do Find UK make Profit?

With our service, we take care of everything – so you do not need to worry about any of this. You can get on with your work or your retirement - in peace. No Hassle from Agents, Tenants or Authorities A normal letting agent would need to contact the owner constantly if there are issues with repairs, maintenance, rent or damage by the tenant etc. We do not do this – we just fix the problems like it was our own property at no cost to you. You will not need to field any calls from the local authorities or other bodies – everything is dealt by us. Overall Peace of Mind Our package gives overall peace of mind. This is difficult to price. For a lot of our existing clients this is priceless.

How do Find UK make Profit? Our clients really like our service and for many it is well suited to their long-term needs. Over 70% of our business every month comes from existing clients or from their relatives, friends or contacts. Often they ask us “How do you do this? How do you deliver such great service and still make a profit?”

There are 3 ways in which we can make profit 1. Renovation Margin We buy well and at a lower price than the market - many of our properties are purchased direct from sellers, before they go to an Estate Agent. We regularly door-drop leaflets in every house in 23 “tried and tested” key areas of Lancashire encouraging sellers to sell directly to us quickly and for immediate cash payment. This saves the seller on agent costs, allows them to sell quickly and means we can buy cheaper. Then we renovate properties fully ourselves, make sure they are complaint, and then rent them out. Due to our buying power and use of our own staff to renovate and rent out, we can make overall

savings. This means that we can make a profit whilst still delivering great value for money to our clients. 2. Achieving Higher Rent than Net Guaranteed If we do our job well in getting good tenants and keeping the properties rented out all the time, we can achieve higher rents than we guarantee. Thus, we can make a profit on the net guaranteed rent. Last year, our average Net yield on over 880 properties was in excess of 6% and under 7%. Normally, we save the higher yield into the contingency fund in case of future requirements - rather than taking it as profit. 3. Keeping Costs Low We keep our costs low so that overall business can be profitable. We are efficient and save on costs in 5 areas:

• We do not have to spend time and administration costs in constant liaison with owners as we can take all decisions regarding tenant and property maintenance ourselves.

• We do not need to do unnecessary repairs – just repairs to keep property in a good condition. Other letting agents make a commission on the repairs they do on your behalf – so it is in their interest to increase the repairs costs – even doing repairs that are not needed. It is in our interest to keep these costs to a minimum. We do this job well ensuring the property is well maintained, always rented out and fully compliant.

• We pay you rent quarterly – again to reduce admin costs and bank transfer fees

• We have qualified electricians, gas safety staff and HSSR qualified inspection staff. So, we can do all of these compliance items ourselves rather than using external contractors at extra cost.

• Most of our business comes from referrals and repeat business. Thus we have very low marketing costs. We only do a little bit of internet marketing – that is all.

UK Investment Properties Gross Rental Yields in UK

Gross Rental Yields in UK

-Investment return on property comes

from both Capital Growth and Rental

Yield. Capital Growth in value in

different areas of the UK is surprisingly

very similar in % terms over the very

long term e.g. 50 years – on average.

However, there are variations in the

medium to short term (London did very

well in the past 10 years but the North

is expected to do better in the next 10

years). Overall, on average, UK houses

have doubled in capital value every 8 to

10 years for the past 100 years. Gross

Rental Yield is the annual rent divided

by the value of the property expressed

as a percentage. Example – If you buy a

property for £100,000 and get £8,000

rent per year. Then the gross rental

yield is 8%. The map below shows the

gross rental yields % on houses in

different areas of the UK. Rental Yield

varies greatly depending on rental

demand and property pricing in each

area. You can see that the North West

and North East of England deliver the

best gross rental yields of around 8% as

property prices are still very low and the rental

demand is strong.

Our Rental Yields Gross Rent - 8 % This is the market rent for properties in this area. A property costing £60,000 will on average deliver £4,800 gross rent if fully occupied for the whole year with a regularly paying tenant and no void periods. Guaranteed Rent - 7% The rent is paid even if no rent is collected from a tenant. Thus owner still gets rent even when:- -Vacant Period – property is not let out -Tenant Not paying rent -Any other reason why rent is not coming in. Effectively our company becomes your tenant and agrees to pay the rent no matter what.

Net Guaranteed Rent – 6% This is the most important figure. This is the net rent you get into your bank account after all costs and is guaranteed – no matter what. For Standard 2 Bed costing £59,999 you get Net Guaranteed Rent of £3,600 per year into your bank account. -There are no management fees to pay us when you are on Net Guaranteed Rent -Most agencies charge 10% + VAT = 12% management fees and this would not apply on Net Guaranteed Rent system. This is the system we operate as default. The rate of 6% per year is guaranteed for a minimum of 3 years and after this automatically renews (as per wishes of owner) each year at the same rate unless rents in the market have changed significantly. Our Net Guaranteed Rent System also includes the Free Maintenance Package covering all property maintenance costs for the first 3 years. This is only 0.5% extra after the first 3 years.


Investment Property Trends In the UK the best properties for investment are the smaller, lower cost properties. The reason is that these properties are in high demand for rental and

thus deliver the best rental yields. Unlike other countries, in the UK small house are more popular than apartments and if well managed, deliver better net rental returns. Our experience has shown that small terraced houses in high rental demand areas (where there is a shortage of housing or where people cannot afford to buy and thus have to rent), are delivering the best rental yields of over 8%. Prices for such low-cost properties - fell sharply from 2007 to 2009 following the financial crisis. Prices have been stable over past 4 years but are now rising. The rate of increase is now increasing due to the economic recovery. Some forecasts suggest a rapid catch-up rise followed by more steady growth over next 6 years. The chart below shows the average price of properties that were selling for £50,000 in year 2000. You can see that prices rose until 2008 and then fell sharply. Prices are expected to rise again (shown by green dots).

Thus, our view is that sub £100,000 properties (away from London) are the best for investment as they not only deliver the best rental but are now also expected to grow the most in terms of capital value.

Comparison of Investment Property in 3 Areas

The table below shows a comparison of different types of property in 3 different areas. The 3 areas are: ➢ North West ➢ West London/Heathrow ➢ Sothern towns For the same size and specification of property, prices in the North West near Manchester are much lower and rental yields are much higher. For the same price of a 2-bed terraced property near London you can purchase four such properties in Lancashire and receive more rent, better forecast capital growth and greater flexibility. .


1. NORTH WEST - Lancashire These properties are in the North West where property prices are depressed and future capital growth is likely to be strong. These include Manchester and Lancashire Towns. This is the most popular area for our investors. All % Yields are GROSS RENT %

Manchester/Lancashire/North West

Type of House Price Rent % Yield 4-Bed Detached £199,000 £8,000 4.0%

3-Bed Semi Detached £129,000 £6,500 5.0%


3-Bed Terraced £69,995 £5,500 7.9%

2-Bed Terraced £59,995 £4,800 8.0%

2-Bed Terraced small £55,995 £4,480 8.0%

2. WEST LONDON/HEATHROW These properties are around Heathrow, extending from Slough along the M4 Corridor to West London. Rental demand and rental yields are better than other areas of London and future capital growth will be helped by the Cross-Rail Link which is under construction. Property in central London is too high to even consider. London Proper is more expensive with even lower rental yields.

West London/Heathrow

Type of House Price Rent % Yield

4-Bed Detached £499,000 £16,000 3.2%



3-Bed Terraced £329,000 £12,300 3.7%

2-Bed Terraced Large £299,000 £12,000 4.0%

2-Bed Terraced Standard £249,000 £10,000 4.0% 3. SOUTHERN UP-MARKET TOWNS These are the popular English Towns like Oxford, Cambridge, Canterbury, Bath etc. These locations are good for own use property – not investment. Prices are similar to West London and rental yields are lower.

Oxford / Cambridge /Southern Towns

Type of House Price Rent % Yield 4-Bed Detached £399,000 £14,000 3.5%



3-Bed Terraced £299,000 £11,500 3.8%

2-Bed Terraced Large £249,000 £10,000 4.0%

2-Bed Terraced Standard £229,000 £9,500 4.1%

Key Facts 1. North West properties are

less than one third of the price of West London and

Southern Towns for similar type and size of property.

2. Rental yields are almost

double in the North West as property values are

depressed. Demand for rental property is high.

Currently more residents are looking to rent than buy

3. Rental yields decrease as

property price increases and this trend applies to ALL

areas. The smallest properties are the best for

investment.

4. Terraced properties are lower cost and give better rental returns than semi-detached and detached,

which are popular for own use.

These are the reasons why our best-selling investment

properties are 2-bed to 3-bed terraced houses for around

£55,000 to £80,000.

If your budget is larger it is better to buy multiple lower

cost properties than one more expensive property in

London. This trend started in 2014 and is now increasing

See Link

“Overseas Investors Switch

Away from London in search for better value UK property”

http://www.prweb.com/releases/2014/05/prweb11881716.htm



UK Investment Properties UK Property Buying Process

UK Property Buying Process

Buying Investment Property The process for the “Best Buy” properties is simpler as there are no third parties involved and the rental and management of the property does not change as it continues to be managed and rented out by us. There is no mortgage lender involved as overseas non-UK residents do not qualify for an investment buy-to-let mortgage upfront. The prices are fixed (in-line with the market and rental yield) and a prior reservation agreement provides security and certainty for us and for you in the purchase process. Thus, the process is quicker, and the buyer starts getting guaranteed rent 1 month after full payment. Here are the steps involved:- 1. Discuss your requirements Give us a call to discuss your requirement. Is investment property in the UK right for you or not? We aim to provide you with good honest advice and will tell you if such a property will not meet your needs 2. Select the Investment Property This will depend on your budget. If your budget is low, then select the standard 2-bed terraced property. Please note that within each type of property there are many almost identical units available within a narrow price range depending on rental yield. The slightly more expensive properties have slightly more rental. If your budget is much larger, you may wish to purchase multiple properties. In such a case it is best to purchase one property first, and go through the purchase process to completion and then purchase additional units. You should be able to provisionally select an investment property on the basis of information on this site and then fine tune and finalize your selection after discussions and property viewing. 3. Provide Ownership and ID information First you need to decide if property to be purchased is by a single owner or multiple owners.

If multiple owners (e.g. husband and wife) you will also need to consider the type of joint ownership. Most investors go for single person ownership as this keeps things simple. Your ID information will be required BEFORE we can start dealing with you or showing you any property or provide official quotes or draft agreements. This is regulatory requirement in the UK and some overseas buyers do not appreciate this. You can scan and email this information to us. We are required by Law to keep all such information confidential. The ID information required will be:- • Passport copy (photo page) • Address ID e.g. Driving Licence, ID Card or Utility Bill We will also need to know the source of funding – normally this is from ‘savings’ or ‘business profits’. Prior to exchange of contracts your solicitor will also need to see these documents or if you are not present in UK, we will need attested copies prior to the exchange of contracts. We can help you and guide you in this process so that you can send the right documents to us. 4. Get Information Pack Once we have your ID information, we can provide more specific details and a draft Reservation Agreement and clearly layout how the purchase process will proceed in your particular case.


5. Visit to UK Most investors will visit the UK – either prior to purchase or after purchase. This will allow us to meet you at our offices and you can view the properties. We can also get your documents attested by a UK solicitor (if not done overseas) as identification is required for exchange of contract, purchase completion and registration under your name at UK Land Registry. We also get documents done to represent you for other steps in the purchase process and property management. If you are not yet visiting the UK, you can still buy but we will need to get your documents (passport, address ID & ID-1 Form) attested by a lawyer in your country to the satisfaction of the UK Land Registry. This can be done easily, and we will provide full details. 6. Agree to proceed with a purchase Once you agree to purchase, you will need to sign the Reservation Agreement and then make a payment of 10% plus purchase costs into the Client Account. This is an important step as the Reservation Agreement outlines the steps we will take in conjunction with your solicitor to ensure Exchange of Contracts, Completion of purchase and Registration of the property under your name at the UK Land Registry. This agreement will also fix the price, specify the agreed guaranteed rent and payment terms. 7. Exchange of Contracts & Completion We normally act on your behalf to ensure all the steps are taken to legal exchange of contracts and complete the property purchase after your full payment. Your rental starts to be credited to you 1 month after your final (90%) payment even if completion is delayed. 8. Registration at Land Registry Following completion, the property is registered under your name at the UK Land Registry by your solicitor and your solicitor will provide evidence for this after registration. We will ensure all documents are sent to you. 9. Management of Property We and our partner companies will ensure your property remains rented and we will provide updates and statements to you every 3 months. Your net rent will be paid into an account

specified by you. The Net Guaranteed Rent option means that you get the rent even if your property should become vacant or even if your tenant does not pay rent. There are no management fees. Net Guaranteed Rent provides additional re-assurance to investors and is popular amongst overseas investors as it gives them certainty of income. You can continue with the Net Guaranteed Rent option even after the first 3 years if you wish. 10. Resale in the Future If required, we can help you resell your property or you can use another agent to resell if you wish. We normally advise clients not to purchase if they intend to resell soon e.g. within 2 years, as they will not make much profit due to buying and selling costs. Most of our clients are buying for long term investment but circumstances can change, and they can resell sooner if needed.

Buying Own Use Property Buying own use property from third parties follows a more traditional process that can stretch to an average time period of about 3 to 4 months. The third party may have to purchase a house before completion can occur. There is also more uncertainty regarding completion as there is not any pre-agreement equivalent of the reservation agreement. Theoretically the buyer can pull out at any time before completion of contracts, but this does not happen often. If you are resident in the UK, a mortgage lender may also be involved and would result in additional steps in the purchase process. As prices of such property is likely to be higher, UK stamp duty charge may also be payable. Please note that unlike our service for investment properties, a buyer’s fee is payable by the buyer to us for buying own use property from third parties. No buyer’s fee is payable for the best buy investment properties.


Find UK Property on BBC TV Find UK Property is part of a family owned group

of companies dealing with UK Property. We have

our own Buying Renovations, Letting, Sales and

Property Management teams dealing with over 900

properties in the North West. Our staff acquire,

renovate and resell about 30 properties each

month.

Normally we acquire properties direct but

sometimes we do attend auctions.

The BBC Television Program “BBC Homes Under

Hammer” has featured us on TWO episodes on

Nationwide Television viewed by over 2 million

viewers.

Each episode shows a property in poor condition

purchased from an auction and its subsequent full

renovation under the eyes of the BBC Homes

Under the Hammer Team. The BBC filmed each

property before, during and after renovation and

obtained independent Estate Agent valuations.

They also interviewed two of the Directors – Tariq

and his daughter Rafia. In the videos Tariq also

explains the buying processes involved and how

Find UK Property work. The BBC liked our model

and came back later to do the second episode.

These are 2 Years Old

Some of the filming is almost 2 years old and the

property types and prices quoted in the BBC

programs do not reflect current pricing. The

summaries by Tariq have been updated to include

the latest information.

Episode 1 (small 2-bed with small kitchen –

Type 2A1 - £55,000) - 25 minutes

https://youtu.be/Zq3Wgaq4IMc

4 Minute Introduction by Tariq

17 Minute Video from BBC

4 Minute Summary by Tariq

Episode 2 (small 3-bed with single lounge

and small bedrooms– Type 3A - £55,000) - 28

minutes

https://youtu.be/qSqxeTq8Cco

20 Minute Video from BBC (includes mention of

Episode 1)

8 Minute Summary by Tariq

https://youtu.be/Zq3Wgaq4IMc

https://youtu.be/qSqxeTq8Cco

UK Investment Properties Case Studies

Case Studies

Format of Case Studies

Some of our existing clients who have purchased from us over many years have kindly provided testimonials and comments about their experience when buying investment properties from Find UK Property. We asked them to use their own words and cover these areas:- - A bit of information about themselves. - Why they wanted to invest and main criteria. - Their concerns and how these were addressed. - Are they happy and what did they like the most. - Would they recommend us?

John Allott and wife Helena Allott Retired Mechanical Engineer. Consultant on mining projects Nationality UK Resident Zimbabwe "I am a UK national and retired mechanical engineer living with my wife in Zimbabwe. Since leaving the University of Bradford in 1967 I have lived in Scotland, New Zealand, Zambia, Zimbabwe, Australia, South Africa and Mozambique. Most of my career has been in

heavy engineering and mining. I now consult on major mining projects but prefer playing golf. We considered UK investment property as UK banks only secure deposits to £85,000 and pay interest of 0.5%. We have cash above this amount and the returns from rentals is above the bank rate; there is always the possibility of a capital gain. However, there is an element of risk. We were looking for properties that were readily rentable and managed by a rental agent. Poor delivery by the agent can be costly and we had bitter experience of this previously. Find UK Property popped up, at a very opportune time, on a web site I was browsing looking for investment opportunities in the UK. My brother, who lives in Burnley, also gave me some background on the group company before it was involved in the property industry. My sister-in-law used to work for them. As I am from the same area and have an understanding of the type of properties there were no real concerns. Once I had the addresses a quick trip on Google Street View showed the location and house frontages. I purchased two properties. Buying the properties without meeting “Find UK Property” or seeing the actual properties was a bit of a leap of faith but it’s not possible to nip down the road from Harare to Burnley. The purchase has gone very smoothly and the returns are as stated. We are happy. The things we like are:- - Queries are answered promptly - The attention I received on my visit to the offices was commendable - The rentals are paid on time – unlike if I was managing the rental myself Because of my personal contact with them, I would recommend Find UK Property to others." John Allott


Adeniyi Onigbanjo Lawyer Nationality Nigeria Resident Nigeria "I am a Nigerian lawyer, living and working in Lagos, Nigeria. I bought an investment property in the UK with my savings and funds borrowed from my bank using my property in Nigeria as collateral in order to diversify my retirement investment portfolio which was initially concentrated in the Nigerian economy into a more stable investment climate in the UK. I also liked the fact that I would also be entitled to tax free income in the UK due to personal tax allowance of £10,000 per annum. I wanted an investment outside Nigeria with a good rental yield compared with similar investment in Nigeria. Being a non-UK resident, I also wanted the property without maintenance and other issues as well as rental guarantee. I was initially hesitant about dealing with the company and the property because I never heard of Find Uk Property until I accidentally stumbled across the company website link on the internet while randomly searching the internet for property investment prospects in the UK. My visit to the company office was impressive though I almost messed up the schedule because I got on the wrong train on my way to Preston! That notwithstanding I was picked up from the train station and later dropped off as I had to return to London. I was able to cram visits to the office, two properties at various stages of renovation as well as meeting the solicitor for ID attesting within an hour in order not to miss the train for my return trip to London that day.

The purchase and service has met my expectations and aims. I am happy. I like the Guaranteed rent, Title registration and property maintenance aspects of the services most! I also like the opportunity to purchase additional units of investment properties on instalment payment basis (paid via rental income) without incurring interest on the purchase price of such additional investment properties. I would definitely recommend Find UK Property to others because they have met and even exceeded my expectations. Big thumbs up for the opportunity for me to provide this feedback. Please find attached a picture of me." Adeniyi Onigbanjo

“The purchase and service

has met my expectations and

aims. I am happy.”


Stephen Bucknall Computer Programmer Nationality UK Resident UAE - Abu Dhabi “I am computer programmer living and working in Abu Dhabi. I have a home in China with my wife and we will probably spend most of our time there when it comes time to retire. We are fortunate enough that we can save a reasonable amount of money. Leaving the money in the bank was not an option so I started looking at where I could safely invest. Being from the UK I have always known that buying property there was a safe option. As property prices were low we could also expect a reasonable amount of capital growth on our investment. We were looking for reasonably priced properties so that we could purchase fairly quickly and get our money working for us. As with any investment we had a few concerns. I did my research on Find UK Property to validate their claims of being members of the National Association of Estate Agents, The Property Ombudsman etc. How long they had been in business and if there were any complaints about them or the service that they provide. My confidence grew even more following my visit to their UK headquarters at Time Technology Park. They were punctual, professional and courteous. We chose the guaranteed option. As we wanted a fixed income that we could depend on. Each quarter the money just gets paid into the bank.

Through the whole process everything was clearly explained and all given time frames were met. We wanted a hands off investment knowing that everything was being taken care of. We were so happy with the first property that we have subsequently purchased a second. I have recommended Find UK Property to a number of friends in Abu Dhabi - two of whom have purchased a property each." Steve Bucknall

“We were so happy with the first property that we have subsequently purchased a second.”


Peter Burgess with Wife Glynnis Nationality UK Resident South Africa "I am an Information Security professional and although I am a UK national, I have been living and working in South Africa for many years. I am close to retirement age, but not sure yet whether I will retire in the UK or stay in South Africa for a time. I was interested in an investment property in the UK, as I was looking for two things - One, to spread the risk in terms of my investments, and property is generally regarded as a reasonably safe investment, and Two, to generate an income to supplement my retirement income. Besides, money sitting in the bank earns very little, and I believe money should work for you. In looking for property, I had a limited budget, so was looking for low-end properties, and it was most important to find a truly "hands off" investment with a reasonable rate of return. In looking for such opportunities I came across Find UK Property on the internet. After exchanging a few emails with Find UK Property, I decided to go ahead with the investment. I must confess I was a little nervous, as I knew nothing about the areas or the company, and I took some time to make up my mind. I was concerned whether I would actually get value for money. I opted for the rental guarantee option as it was the more secure, although a slightly lower return.

In the end, I made the decision, and bought a property, sight unseen, trusting in Find UK Property to provide good advice in terms of both the property and the area. The entire transaction was handled very professionally by Find UK Property and their nominated attorneys, both of whom displayed a lot of patience in their dealings with me. Some months after the transaction was concluded, I travelled to the UK and was able to visit my property. I was pleasantly surprised, although Find UK Property had kept me updated throughout the process, and the house had been redecorated and was in good condition. So far the entire experience has been a pleasant one - the people at Find UK Property are helpful and very professional, and although it is still early days in terms of my investment, I am confident they will continue to look after me as a client. Factors which I found of benefit in using Find UK Property: 1. A truly "hands-off" experience - everything was done promptly and professionally 2. Excellent communication throughout the process 3. Guaranteed rent and a buy-back option - which instils more confidence 4. Friendly, prompt and efficient service For those reasons I would not hesitate to recommend Find UK Property. Perhaps best to try and view some properties before you buy, but if you can't (as I couldn't), you can trust them - and that's what counts an awful lot..." Peter Burgess

“The entire transaction was handled very professionally by Find UK Property”


Hadil Haidar Learning and Talent Management Specialist Nationality Kuwait Resident Kuwait "I'm Hadil Haidar, a Kuwaiti national, working currently as a Learning & Talent Management Specialist at Ooredoo, a Mobile Operator in Kuwait. I had been looking for an investment property for the previous 2 years. I wanted to buy an investment property in the UK because, the price of the real estate in the UK has come to a more attractive purchasing price and the demand for rental homes is on the rise. I was looking for a property that can match my budget and location requirements, and give me the highest possible return on my investment. Initially my main concerns were the condition of the property, location of the property and how I can manage it - and Find UK Property were able to put my mind at ease regarding all of these. My visit to Find UK Property was Awesome! I was well received by the Find UK Property team, they explained to me in detailed the whole purchasing process and they answered all my questions. The purchasing cycle was excellent. The agreed property was transferred to my name. The before and after sales services is fantastic! The things I liked was that the company was very transparent with no hidden costs or fees. I received personalised attention from the first

search until the closing of the property purchase, and after wards. Absolutely yes! I would recommend Find UK Property to anyone in Kuwait looking for a low cost investment property in the UK with good long term service." Hadil Haidar

“I would recommend Find UK Property to anyone in Kuwait looking for a low cost investment property in the UK”


Plamen Iliev and Wife Gloria Developer – Construction Industry Nationality Bulgaria Resident Nigeria "I am a Bulgarian who has been working for more than 25 years in the construction industry in Africa – mainly in West Africa. During the past few years our business, as with many other businesses, was affected by the global recession and turbulent changes in the price of crude oil – the main source of revenue in some of the West African countries. Looking for a safer area where I could invest some savings without fear that my investment could be so affected, I saw the advertisement of “Find UK Property”. Being recently a victim of an Internet fraud, initially, I approached the company with some reservation. Luckily for me, very soon I realized that I was dealing with a genuine company and the attention that I received during our discussions and e-mails, and the subsequent visit to their offices, removed all of my fears. There are many European Countries where a person can consider investing, but I do not think that there are better conditions for investment in other countries, than in the UK – (tax free income up to a certain amount due to the personal allowance, continuous appreciation of the value of the properties in UK, the policy of the Government to boost the UK economy, and many other advantages). My humble opinion is that anybody looking for secure investment should consider the property market in the UK.

The properties offered by “Find UK Property” are really very attractive and good value for money. These are suitable for any potential buyer who is not sure what type of investment property they should buy. I did a lot of research and I can say that overall there is really no better offer than this in the UK for any property investor in this price range. And it is a real bonus to have such a reputable company, that is ready to offer lots of assistance and is always very professional, look after the property. From my experience of interacting and meeting with all of the people working in the company, I can say that these are highly trained professionals with a passion for their work and care for their customer. Their goal is not just to complete the deal and to add one more property to their sales. I think these people really care for their clients and want to ensure they are offering excellent service. Their business model seems to be based on making sure their customers remain happy. Picking me from the hotel in Manchester, the visit of their office, inspection of some properties, preparation of the documents - everything was arranged perfectly. Practically, the purchase of the property was completed satisfactorily and all the required registrations – Land Registry, HMRC and other formalities were done as per the stated timelines. Within a few weeks, I became the rightful owner of a property in the UK. I think the adopted business system of “Find UK Property” to acquire, renovate, rent, transfer and maintain the property on behalf of the property owner is very good, and I will strongly recommend this company and their service to anybody who is looking for a secure property investment in the UK." Plamen Iliev - Property Developer

“I did a lot of research and I can say that overall there is really no better offer than this in the UK”


Cathy Loftus

Nationality UK Resident South Africa "I'm British living in South Africa, my husband and I are in our early sixties, we have lived in SA for 40yrs but return on holiday to the UK often and will possibly return to the UK at some point. We had some funds and didn't want to invest in any more property in SA, so being British we thought of the UK, did some research and found Find UK Property. We wanted to get a reasonable rental but more to the point was that the property would hold its value, and the rental would be good, we get a good interest rates in SA but our currency is losing so much value we need our funds to hold its value. Our concerns were, are we dealing with a genuine company as there are so many scams out there. So we decided to travel to the UK and spend a few weeks with family and drive down to see, find Uk property and visit a few of their properties. All our questions were answered and we bought 2 properties. Everything went just as find uk property had said, all there info that's sent to you explains it all so well you just refer to that when you are not sure on anything, they also answered emails promptly and we are very happy with our purchase. What I liked about the whole experience was that it was all done with such ease with no surprises. Other things we liked about the purchase was, no

worries about broken toilets etc. especially as we are not in the UK these problems would be taken care of by Find UK Property. Any concerns we had were dealt with promptly, our rental goes straight into our bank account, no stress, also the rental is guaranteed. I would recommend Find UK Property without reservation, and would consider buying another property with them. Overall the property purchase was a good experience." Cathy Loftus

“Everything went just as Find UK Property had said… the property purchase was a good experience”


Ley Chit Moy and husband Yoon Fah Research Scientist - Nutrition Nationality Malaysia Resident UK "I am a Malaysian and graduated from a university in London, with a doctor of philosophy in nutritional therapy in 2013. I won a Malaysian research award in exploring a fruit's therapeutic effect. This brought me here in London to do a nutritional research in relation to human health. I plan to be in London for at least 5 years. Investing in property is always my interest since young as i believe the return is probably better and more promising compare to other investment. I am attracted to the beautiful landscape in the countryside of UK although the weather sometimes may not be appealing to certain people. Since i have some savings, why not i make some investments in the UK. I was looking for a property with freehold status, 2 bed-room, with garden, parking space for my future staying or retirement time. It is an added advantage to rent this property for somebody to take care of the house and at the same time to earn some rent. The first concern in my mind was whether Find UK Property is a registered licensed company or property agent in the UK. Our concerns were fully addressed. We (my husband and I) were impressed for the hospitality that Find UK Property extended during our visit. They took all their efforts to show us as many properties as they could. They even suggested or thought in our shoes which made us felt very much appreciated.

We are happy with their service and purchase. It was a little delay for the final document from the Land of Registry, which made me worried at that time. It was resolved at the end. Now, I would think, it was only a small matter as i was keeping in touch consistently for the progress of the purchase from Find UK Property. There were several things we liked:- - First, was the prompt response and right assuring answers whenever i have questions or doubts in the beginning of the purchase via email. - Second, the sincere hospitality that we experienced during our visit to the office. - Third, the smooth progress of the purchase until the final purchase stage with my name in the Land of Registry for the purchased property. - Fourth, the guarantee rent which has been banked into my account without fail for the past years. They are professional and really made us have no hassle for the property investment. Well done and great job to Find UK Property. We really appreciate your existence that benefits us." Ley Chit Moy (Kara)

“We are happy with their service and purchase… Well done and great job to Find UK Property”


Khaled Abdullah Alhuwail Retired Naval Officer Nationality Kuwait Resident Kuwait "I am a Kuwaiti retired naval Officer. After 30 years of service in the Kuwaiti Navy, I was looking for peace of mind. I started to think of making my savings do the work for me. I thought Great Britain is a safe place to do my investment. I think it is a stable property market. I was looking for long term investment so that I would receive pension type income. I wanted a good net rental yield from the property and growth in value over the long term - Not to forget good management Package and rental guarantee. Actually, at first, I wasn’t sure that Find UK Property will keep their word & guarantees they state on the website and emails, but I was wrong - they kept their words and provided very good service. Because of my initial concerns, I made the effort of making a special visit just to see them, look at the properties, meet a solicitor and to make sure that my investments would be safe. When I came, I really enjoyed the visit to meet them at their offices and to see the properties. They picked me up from a hotel in Manchester and later dropped me off at the rail station as I had to do some things in London. I spent 4 hours with them and over this time I asked many questions and satisfied myself. They also took me to a lawyer firm to meet a solicitor, who later did my purchase registration at the Land Registry. I saw numerous properties in different areas in several towns. The visit was good as it addressed

all of my concerns and I was happy to buy two 2-bed properties. I am very happy with my purchases. The people at Find UK property have been very good (especially Hashim, Gary, Andy and Tariq). My properties have been registered under my name at the Land Registry and I have got the documents for both of my properties. They have been paying my rent regularly at the end of each quarter into my bank account. The thing I like most is the Guaranteed rent system as this mean I do not need to worry about anything and I know for sure what my payments will be in the future. Other things I like are:- - They always reply quickly and fully to any of my questions - Everything is done by them. I do not need to worry about anything or deal with tenants or repairs - They give good honest advice and do not oversell. Yes. I would recommend Find UK Property and I have already recommended them to my brother’s family who have also purchased a larger 3-bed property, without even visiting them. The property has been registered under their name and they are also getting rental income regularly. Find UK Property do not over promise and deliver on exactly what they say. Thanks for the opportunity for me to provide this feedback. Lastly, I like to say, thank you so much Tariq and Hashim - you were very supportive. " Khaled Abdullah Alhuwail

“I have already recommended them to my brother’s family who have also purchased a larger 3-bed property, without even visiting them.”


Norman Zimbeva Microfinance Business Nationality Zimbabwe Resident Zimbabwe "I am a Zimbabwean national and have been working in Africa for 15 years. I run a business in the microfinance/moneylending market. I hope to retire soon and will probably relocate to the UK sometime in the next 10 years. I wanted to buy investment property in the UK because I wanted to grow my savings and generate income. I visit the UK often as part of my business and thought that it would be a safe place for investment. I would eventually be reconsidering relocating to the UK in the next 10 years. I wanted to buy a property that would give a good net rental income and also grow in value over the long term. It should be easy to rent out and easy to resell should I ever need to resell – although I do not have plans to resell. I also wanted it to come with some sort of rental guarantee and a good management package so that I would not need to deal with anything as my work keeps me very busy and I am usually not in the UK. Initially, I thought the prices were very low and I was worried that these low cost properties would not be in a good condition. I also thought that Find UK Property may not live up to all of the claims such as Guaranteed Rent and free repairs. On paper it seemed too good and I wanted to visit to check things out myself.

I enjoyed the visit to their offices and it was indeed just like the video that I had seen on their website. I travelled from London by train and they picked me up from Preston Station. I spend 3 to 4 hours with them. They answered all of my questions and concerns well, and I also met an external solicitor for ID attesting. I saw several properties in various stages of renovation in different areas in several towns. The visit was good as it addressed all of my main concerns and I was happy to proceed with the property reservation and select my specific property later. I was very happy with the purchase. All the staff I have had contact with (Gary, Tariq, Hashim, Jess, Andy) have been very helpful and I have not had any issues at all. My property purchase was completed and property has been registered under my name at the Land Registry. I have received the title documents. I have been getting my rent on a regular basis paid into my bank account at end of each quarter. Last year I purchased another property and now I will be buying my third property within the next month. I like the Guaranteed Rent system the most, as this takes away any worries and I know exactly what I am going to get on my investment. Other things I like is the fact that I do not have to worry about any repairs or tenant issues. I also like the fact that the company is not a sales company but just provides good service and responds very quickly to any requests. They seem genuinely set up to provide long term service and customer satisfaction. I would recommend Find UK Property because they do exactly what they say in their marketing and literature. I have already recommended them to my colleagues." Norman Zimbeva

“Last year I purchased another property and now I will be buying my third property within the next month.”


Steven Fenech with wife Janet Accountant Nationality UK Resident Cyprus "I am a retired Accountant living with my wife in Cyprus and I am a UK National. I have worked in Europe and also lived and worked in the UK and also the Middle East. As we both gave up work prior to retirement age and thus being ineligible for a pension until later in life. We looked for a guaranteed regular income and an investment property in the UK seemed a way of providing this and hopefully capital growth over a period of time. We were looking for a hands of investment providing regular guaranteed Income over a period of time. Like most people we were initially concerned about sending a large sum of money to buy an aged property in an area of which we didn’t have any knowledge. Owing to our own circumstances we could not view any properties However after several email questions and answers and telephone conversations with a director of the Company our concerns were allayed. The purchase of the first property was seamless; we selected the allocated property and paid the monies and then receive the agreed rental every quarter direct into our bank account. We have since purchased a further two properties and are very happy with the service provided. When there was an initial issue regarding the allocated property we had chosen, then a Director contacted us personally by both email and telephone to resolve the issue to our satisfaction.

We understand that mistakes are made and we evaluate how good a Company is from how they deal with such an issue. Find UK Property is a “One Stop Company” which Acquires, Renovates & Manages a low cost Investment Property for the client. We would not have any hesitation in recommending the Company." Steven Fenech

“We would not have any hesitation in recommending the Company."


Claire Floret with Husband Patrick Property Investors Nationality UK and French Resident France "I am an English expat living in France with my French husband. I have lived here for many years now and we are very settled. As I had some savings I thought about investing in some property in U.K., maintaining a link with England and to make my money work rather than leaving it in a deposit account where it was earning very little. As I am not resident in England I started looking around on the net for where to invest my money and came across Find UK Property. I liked the fact that they would take care of all the property searching, renovating and renting as well as all the arrangements to transfer property to us. We made a reservation and agreed to visit at the time of property selection. My husband is familiar with properties and renovations due to his line of work, and our main concern was if the properties would be in good condition and renovated well. We wanted to visit ourselves to see the properties, the local areas, and meet the company. At the visit we were met at our hotel and taken to visit 3 houses of the type we reserved in different areas, until we found one which suited us. We also made a visit to their offices and I found them very professional. The visit answered all of my concerns.

Everything went very smoothly for the purchase and as promised, Find UK Property dealt with everything. With living abroad this made it very easy for us. I have found their service that I received prompt, efficient and helpful. I like their guaranteed rent system and the fact that they take care of all of the property maintenance at their cost. That way we do not need to worry about things. I would recommend Find UK Property to others looking for a similar investment. In-fact I have already recommended them to a family member – my sister Lynn McCouat (who has also provided a testimonial) who is also living abroad (in Gibraltar). She has also visited the company and has purchased a similar property nearby with their help" Claire Floret - France

“Everything went very smoothly for the purchase and as promised, Find UK Property dealt with everything.”


Lynn McCouat Secretary Nationality UK Resident Gibraltar "I am a secretary and have been living and working in Gibraltar for many years. I am a UK national and had some savings in a building society where rates were not wonderful! My sister (Claire Floret – who has also provided a testimonial) who lives in France, told me of her idea of purchasing a property in UK to rent out for an income. At first we thought that with a property not being in the same country, it could be difficult to deal with any problems arising such as keeping it rented out, bills and dealing with tenants etc. We initially thought that it may be better to buy something nearer to where we lived. However, after contacting Find UK Property and receiving full information and advice and being informed that they dealt with everything as well as offering a reduced rate of 7% instead of 8% in return for a guaranteed rental income, my sister decided to go ahead first. And after seeing the whole procedure go so smoothly for her, I decided that I would go down the same route! I did however, want to make a visit and see the company, the properties and the locations myself. I travelled to Manchester and was picked up from the airport and taken to the office and then to see the properties. I also met the solicitors who would later complete the property purchase on my behalf. They attested my ID documents so I did

not need to visit again at property purchase completion. After the visit, I was happy to proceed with the purchase. Everything went smoothly and all paperwork was signed and completed by the end of the day. Subsequently I completed the payments, and the property was transferred to me. During this process I was kept fully updated by the admin staff at Find UK Property. At the time of writing this testimonial, I have owned my property for over a year, and so far, so good! I have been getting my rental income regularly and I have also registered with the tax authorities so that my rental income will be paid tax free. Any questions I have are always answered promptly and efficiently. What I like best is the fact that as I am abroad most of the time I don't have to worry about keeping tenants in the property. I also like the firm's friendly, personal and professional service. I would recommend Find UK Property to others in my position, i.e., wanting a good return on investment and living abroad." Lynn McCouat - Gibraltar

“Subsequently I completed the payments, and the property was transferred to me. During this process I was kept fully updated by the admin staff at Find UK Property”


Veejay Bull Nurse Specialist Nationality UK Resident Saudi Arabia "I am a UK national and am working as a registered Nurse in a tertiary hospital in Riyadh. I have been in Saudi Arabia for more than a decade and am planning to return to UK next year. The interest rates paid by my bank dwindled from 3.5% over the years to 0% so I decided to generate income by buying an investment property. I selected the UK as the property market is stable and the UK laws are very transparent and I feel safe to invest in the UK. I was interested in affordable properties and with a company like Find UK to manage them for me while I am globe-trotting. I was initially concerned about having to pay my payment to Find UK and not my Solicitor as per normal property purchase transactions in UK. However, in the end everything worked out ok. When I visited I was well received. I was met at the Preston train station and taken by car to Find UK property office where I met a senior director. Then I was taken to meet a solicitor to clarify proof of identity. They took time and care to look out for certain property criteria I had mentioned. I was able to view several properties before making a decision. I was happy with my purchase and the service provided by Find UK is meeting my expectations and aims. I am very happy and wish I had bought

properties from Find UK many years ago. 2 years later, I purchased another property and am hoping to buy one more next year. I like the service provided by the company the most. Always willing to help. I email Find UK senior staff for advice sometimes and they are always willing to assist. I also like these:- - Affordable properties. - Excellent management of properties. - Rent paid to my account on time. - I feel free to email Find UK staff for advice re tax returns etc. I would recommend Find UK Property and have already done so. Buying property that is well managed is a great investment." Veejay Bull

“Buying property that is well managed is a great investment."


Najmi Khawja Retired Airline IT Specialist Nationality UK Resident Malaysia "I have been an expat for 23 years until retired early, working for an Airlines' IT department in Saudi Arabia. I am living in Kuala Lumpur with my wife. I am a UK citizen. We intend to come back to UK within next year or so. I wanted to buy a property in the UK for investment purposes only. My main initial criteria were that it should give good return and be fully managed with minimum investment. I happened to notice Find UK Property while surfing. I was looking for a property that was easy to rent out with minimum hassle as I am living abroad. I haven't been back in the UK since I bought the property. Everything was done and all my questions were answered via email e.g. type of property, layout, area, expected return. Yes, I am indeed happy with the service. All issues were made clear well before the final stage. Property is registered under my name and Title deed documents were received. The thing I like most are friendly people to deal with. Everything was explained step by step leading to purchase of the property without seeing the property physically. I liked the rent guarantee scheme most. Every quarter I know the exact amount I am going to get. I also liked the No maintenance fee, no service charge and one off reasonable solicitor fee.

I would definitely recommend Find UK Property to my friends and relatives because the whole procedure of purchasing the property was simple, straight forward, with no hidden costs." Najmi Khawja

“I would definitely recommend Find UK Property to my friends and relatives because the whole procedure of purchasing the property was simple, straight forward, with no hidden costs."


Ivan Yau I.T. Professional Nationality British National (Overseas) Resident Hong Kong "I am Ivan Yau. I am living in Hong Kong working in the I.T. sector. I like travel a lot that I have visited UK such as London, Edinburgh, Cardiff, as well as U.S., Japan, Doha, etc. As an investor, I always want to diversify my investments, I like UK. UK people are nice. UK legal system is well-defined that can protect both the landlords and tenants. As I worked in the I.T. sector, I found Find UK Property just in Google search. At the very beginning, I doubt everything because I am not familiar with UK property investment as well as this company. But then after few emails and phone calls, I finally booked a 10-hr flight and met the staff including senior consultant, Tariq, in their UK offices. I visited the offices and saw the properties. And then they also led me to meet a lawyer which offer identification service to people. I found that everything I saw was very concrete. All the things meet my expectations; I am very happy about that. Find UK Property transferred rental income to investors in a very timely manner with a detailed quarterly report. I can see every transaction very clearly. The other three things I also like are: i) Tariq is nice and helpful, he answered my concerns in emails.

ii) the admin staff is also very professional, they sent detailed quarterly report to clients in a timely manner. iii) the whole investment is truly hand-off for me. I will recommend Find UK Property just like I am now writing this sentence. The reasons are that they are very professional and helpful. They manage the properties quite well that the property management is hand-off to investor. I am also happy to provide my photo." Ivan Yau

“the whole investment is truly hand-off for me.”


Jamjuree Jivavichakul Business Owner Nationality UK Resident Malaysia "I am a national of Thailand and I visit the UK often. I am a business owner and am normally resident in Thailand. I first wanted to purchase a property in the UK for long term investment which I could also use for holidays. However, large properties near London were very expensive. After discussing with Find UK, I agreed just to buy an investment property in Lancashire and leave it rented. They suggested I use some of the rental income for my holidays and this seemed like a good idea. Before making any reservation, I and my husband wanted to visit the company and also see the properties. We planned a visit with the entire family and arranged to fit a visit to Burnley in our UK travel schedule. When we visited the whole extended family was with us – all 7 of us. The staff at Find UK property were very helpful and took us all around in the 8 seater car to see different properties. We were quite happy with the company and the types of properties. We also met a solicitor after viewing the properties. After the visit, we were quite confident about the company and we agreed to make a reservation of a 2-bed type of property without specifying a specific property at that time. A few weeks later we were able to select and agree the actual

property and it was transferred to us by the solicitor after we made our final payment. We have received all of the property title documents. Yes, we are very happy with the services provided and they were able to hold my rent securely in the client account until my UK bank account was opened. Since then I have been getting my rent regularly into my UK bank account. The thing I like most is that everything has been done for me and I need not worry about any property or tenant issues. I also like the fact that they always help and respond quickly to any requests. I would recommend Find UK property to anyone who is looking for a good value investment property in the UK and does not want to do things themselves. Find UK property do everything well and I would have had difficulty in buying such a property without their help." Jamjuree Jivavichakul

“I also like the fact that they always help and respond quickly to any requests.”


Khurram Aleem MBA Working in Oil Industry Nationality Pakistan Resident Singapore We are originally from Pakistan and are now based in Singapore. We plan to stay here for another 3-4 years. We had already bought property through Find Uk Property (sister company Openshore), in Dubai. We were originally recommended the company when we were looking for property in Dubai, by a long standing customer of the company who was working with us and had already purchased some properties in Dubai with their help. We wanted to diversify for our next investment, but continue with Find Uk because of the excellent service they had provided in Dubai. On their recommendation, we looked at options in the UK as it fit what we were looking for. As per our Dubai investment, we wanted a no hassle solution, while at the same time minimising risk, and a fair return. Find Uk could provide an end-to-end proposition - that is, they could locate a suitable property at the right price range, find tenants, upkeep the property, and provide guaranteed rental service, until we would want to exit. We faced the usual initial concern around how do you know that it’s the right property, it’s the right agent? The relationship and trust already established through our earlier purchase in Dubai helped greatly.

All relevant information was provided for me by Find UK Property such that I didn’t feel the need to even visit the UK. The detailed knowledge of the property market that they provided was most useful, such that they could identify and recommend the right entry after reservation. I like the fact that I don't have to worry about the property investment - that is, Find Uk can take care of the property management at a nominal rate. Also, the process is smooth as they take care of all aspects. Like the Dubai investment, the way they structure the deal was very helpful, as they made the future value very transparent through that structure. Based on our experience, yes, we would certainly recommend Find UK Property for a trust based, no hassle solution." Khurram Aleem MBA

“Based on our experience, yes, we would certainly recommend Find UK Property for a trust based, no hassle solution."


Matthew Murphy Airline Pilot Nationality UK Resident Hong Kong "I am a pilot living in Hong Kong and I am British. I was looking to get an investment property basically to get a good return on the money invested, with decent rental income and future property capital growth over the long term. Because I am from the UK, I wanted to buy a UK property to keep my connection with the UK. When I found out about Find UK Property, I was initially hesitant – Were they real? So I did do my own research and made enquiries by phone and email to satisfy myself. I liked the service they were offering that would enable me to purchase easily and would provide long term management with guaranteed rent and property maintenance. Due to my work and the distance involved, I did not visit prior to purchase and everything has been done by email or phone. All of my questions have been answered satisfactorily and the purchase and subsequent management has proceeded as expected with no surprises. I was able to make the reservation, make payments, select the property and get it all transferred to my name whilst still being abroad. They sent me Land Registry forms to complete and I provided my ID documents, attested by a local solicitor here to enable registration at the UK Land Registry. I like the fact that all of the staff respond very quickly and so far, I have been getting all of my rental money on time. There have been no tenant

or property issues for me to worry about and I understand that even if there were any such issues in the future, the company would fix them without my involvement. The guys have been very good, and arranging the tax exemption was easy. I would recommend Find UK Property for someone looking for an investment who doesn't have a lot of time and is living abroad. There are many UK nationals living and working abroad that would benefit from this service. The whole process was all very simply and painless and exactly as agreed." Matthew Murphy

“There are many UK nationals living and working abroad that would benefit from this service.”


Suzanna Okonkwo Lawyer Nationality Nigeria Resident Abuja - Nigeria "I am a lawyer in Abuja, Nigeria and visit the UK regularly, usually in the Summer. I was looking for a low cost investment property in the UK to grow my money and give regular income for family expenses. As I visit the UK often and have my relatives here, I thought it would be the best, and the safest place to buy. Initially I was looking for a property near London that would also be useful for use by our own family in the future. However, I found that prices near London were just too high, and it was difficult to get a mortgage when you are not resident in the UK. Also the rental was not as good as I wanted when compared to the price of the properties. I think somebody in our office recommended I look at Find UK Property. I found the prices to be very reasonable and I very much liked their guaranteed rent system; but was initially concerned about the company as I did not know them. I asked my cousin who was a UK national and living in London to make a visit to their offices and meet up with them. He was very good and did his research and visited the company. When he visited, he called me to say that he was happy with the company and the staff and recommended I go ahead with the reservation. I then made a reservation and decided to visit myself a few weeks later before making the 90% payment.

I visited with my aunt and we travelled by train from London to Preston. They collected us from the station and showed us their business and answered all of my and my aunt’s questions. We were very happy with the visit and the property which had been renovated when we visited. We made the final payment and the property was transferred to us a few weeks later. I am very happy with their service. They always respond quickly to any questions by email or phone call. I am getting my guaranteed rental regularly and have had no issues with the property at all. The purchase has proceeded exactly as per the steps outlined by them and as they promised. I am happy to recommend Find UK Property to anyone in Nigeria who wishes to buy a low cost investment property in the UK with good service." Suzanna Okonkwo

“The purchase has proceeded exactly as per the steps outlined by them and as they promised.”


Waseem Rashid Logistics Professional Nationality UK Resident Dubai - UAE "I am a British citizen working in logistics and based in the UAE. Since leaving the United Kingdom 8 years ago, my family and I have settled in Dubai. We sold the family home in the UK soon after and decided to stay in Dubai longer than previously anticipated. We put the cash in the bank after selling the house, but we noticed that there were no high returns and no income with the cash sitting in the bank. We then looked to invest in a UK property which could generate a moderate income. After looking around for the properties and meeting many estate agents we were really finding it hard to decide on what to do. This is when we came across the Find UK Property website. It had detailed information on what services they provide and the properties they had for investments. At first we could not believe the low prices on offer for two and three bedrooms houses but then thought of giving them a try and see how they could help us. At first, we were hesitating to use their services as they were not our local agents. They answered all my enquiries by telephone and email, and I found their response very professional. After many emails and several calls I sent my ID information and got the reservation documents. After this, we made an appointment with them to view the properties to select one. As I had to travel by train, they were kind enough to send me

a taxi which picked me up from the hotel. I didn’t know the area very well, and didn’t have my car. They met me at their offices and then took me around the local area showing me different properties to view, and locations of local schools, shopping malls etc. We spent most of the day viewing properties until we found a suitable one with which I was happy with. I also met the solicitor who would later complete the purchase. The whole buying procedure and property transfer process was really easy and there was support all the way from their professional team members. The good thing about the deal is that we are on a guaranteed rental income scheme, and we have been getting the agreed rental income on a regular basis. Find UK property deal with all the management as I live abroad. They are also responsible for all of the repairs and property maintenance and I do not have to worry about such issues at all, or even pay for them as these are covered under the guaranteed rent system. We are very happy with the service that we have been receiving and that’s why now, this year, we decided to buy our second property with them. I visited again and this time had my wife with me, to help me select the second property. The property was undergoing renovations when we visited. We liked the property and its location and it has recently been transferred to us. We now have two properties with them. We are glad we have chosen the right property professionals. I strongly recommend Find UK Property as they really do what they promise and the best thing is that all the members of the company are professionals and really helpful in all matters." Waseem Rashid

“We now have two properties with them. We are glad we have chosen the right property professionals.”


Rafik Khalil Hassan Training Manager – Land Rover Jaguar Nationality Egypt- UK Resident Egypt "I work as a Training Manager at the Land Rover Jaguar dealership in Egypt. I have a dual nationality, Egyptian and British, I have been living for most of my life in Egypt. I have no plans to live in the UK at present. I wanted to buy investment property in England due to the unstable political situation in Egypt in the previous 4 years. I was looking for some stable income from a property in England to pay for my son's school fees in the future. The property had to be reasonable in price due to my budget. I came across Find UK Property on the internet and found the information that they provided was very good and relevant to me. They answered all of my questions by telephone and email and I was happy to make a reservation without visiting them first. I had little concerns when contacting Find UK because of the very professional brochures they offered on-line and the way they dealt with my enquiries. I was convinced that they were a reputable and honest company. They were kind enough to help me with some unrelated legal matters in the UK which I had found difficult to deal with myself. They were able to deal with this professionally and properly and in the process, were able to recover some funds for me. I paid the whole price of the property before visiting them. The reason for the visit was to choose one of the properties available. They

collected me from Manchester Airport and I met them at their offices, viewed a number of properties, met an external solicitor and was very impressed overall with the company and staff. They made me feel completely at home. I am very happy with all the proceedings and performance of all personnel in "Find UK Property". The agreed property was transferred to me and I have been getting my rental income promptly. The best thing I enjoyed was my visit, as well as the smoothness of completion of all legal matters. I also liked the help concerning my tax exemption papers and the free transportation to my destination in the UK after the visit. I had to be at a training event and Find UK arranged to help me out. I would recommend this company to anyone looking for UK property because of their honesty and wonderful co-operation." Rafik Khalil Hassan – Egypt

“I would recommend this company to anyone looking for UK property because of their honesty and wonderful co-operation."


Edward Alberga Property Investor Nationality UK Resident Cayman Islands "I and my wife live in the Cayman Islands but we are UK nationals. I had savings and wanted to use these to earn income. Property is very expensive here in the Cayman Islands and I thought about investing in the UK. Initially I did a lot of research into various types of low cost property investments including Student accommodation, hotel apartments, car parking spaces, commercial properties and storage units. The biggest problem with these was that there seemed to be no genuine resale market. I was worried about the value I was getting for my money. I also found that many of the companies selling these types of investments were very aggressive with their sales tactics - calling me many times a day to force me to make a decision. I also came across Find UK Property on the internet and liked what they were offering. The prices were within my budget and these were real residential properties from the market which had been fully renovated and could be used by anyone and re-sold at any time. I also liked their guaranteed rent system and purchase process which meant that I would not need make visits to the UK to acquire a property investment. The thing I liked most was that they were able to answer all of my questions professionally and in detail. They did not pester me at all and just provided what seemed like good common sense advice. On the basis of this and the fact this fitted

in exactly with my requirements, I decided to make a reservation without even a visit. They helped me select the specific 2-bed property and kept me well informed throughout the purchase process. We decided to purchase the property under our joint names. If something happens to me then I know that the property will automatically pass to my wife without her having to do anything. The documents were attested by our lawyer here in Grand Cayman and the properties were transferred to us. I made my final payment in USD as this was easier and the exchange rate offered by my bank was not as good as that offered by their bank - Nat West. Since then, they have also helped me register with the Tax office so that I can receive my rental income without any deduction of tax and we have been getting the rental income regularly. I asked them to send the rent every 6 months to minimise bank transfer costs – the bank charges here are quite high. I believe that Find UK Property are one of the best real estate companies in the UK. I am happy to recommend them to anyone wanting to buy investment property in the UK." Edward Alberga – Grand Cayman

“They did not pester me at all and just provided what seemed like good common sense advice.”


Tony Soya University Lecturer and Senior Consultant Nationality Nigeria Resident East Africa "I am Nigerian national living in East Africa and have been interested in property investment for a long time. I had some savings which I wanted to invest for the long term, to generate good income and also to protect my funds from inflation. I worked in the UK before moving to East Africa and I now often visit the UK. I felt the UK was the best location for secure long term investment. Getting rental income in sterling currency was important as other currencies are depreciating. I came across Find UK Property on the Internet and made contact with them. They seemed to offer the full service I was looking for and the property pricing was within my budget. However, I was initially concerned about two main things. Firstly, I wanted to make sure that the company was set up to provide good long term service and would deliver on all of the services promised. Secondly, I wanted to make sure that these properties were in good condition and the prices charged were representative of their value. So I decided to make a visit to their offices to see their operation, meet with solicitors and also view a number of properties. The visit went very smoothly and I spent 3 to 4 hours with them and viewed a number of renovated properties and some under renovation. Both of my main concerns were satisfactorily addressed and I decided to make a reservation. After the visit I felt confident that the company and its people would

look after me, and I started thinking of possibly buying another property in the future. Subsequently I agreed my specific 2-bedroom house and that property was transferred to me within 4 to 6 weeks and I have been getting my rental income on a regular basis. Later I decided to purchase another similar property and I did not make a visit on that occasion and did everything by email and telephone calls. The main things I liked about Find UK are as follows:- - They provide very good overall value with well renovated properties at keen prices. - Their Guaranteed Rent System means that I know exactly how much rental income I am going to get. I do not have to worry about repairs or other costs. It removes the uncertainty from property investment. - They make the buying process very easy. It would have meant a lot more effort for me to buy such properties without their help, and I am sure I would have had a lot of problems if I had used someone else. I would recommend Find UK Property to other property investors for all of the reasons above. I would suggest investors visit them, especially if they are looking to buy multiple properties. Then you will have more confidence to proceed, and it will lessen your anxieties." Tony Soya - Nigeria

“I do not have to worry about repairs or other costs. It removes the uncertainty from property investment.”


Paul Viney with wife Donna Nationality UK Resident Bermuda "I am a UK national. We have lived in Bermuda for most of the last 30 years, aiming to retire and relocate back to the UK in the next few years. Originally we thought about buying our main house in advance of our return, but we were not sure where we would be living and did not have time to look at a lot of properties. We did not want to make the mistake of buying in the wrong location or a property that may not be suitable for our eventual requirements. So, we thought it made more sense to buy an investment property that would continue to grow in value and give good rental income. We could, if we wanted, later resell that and buy an “own use” property if needed. I contacted four companies through their websites to find out what services they were offering relating to investment properties. Find UK Property was the company that offered most the detail about their operation and seemed to offer the most complete service. Dealing with companies through their website and by email from 3,000 miles away, you are always concerned about scams. You want to make sure you are dealing with a real and reputable company. Thus both of us wanted to visit and do our own research to check everything out. We had a good meeting with the company at their offices and we spent about three or four

hours visiting four potential properties. Our guide had been with the company many years and seemed very knowledgeable. We also met solicitors in Colne who eventually did the property transfer and the formalities with the Land Registry. Everything went smoothly and after the initial paperwork there is very little input needed from us. We receive a quarterly statement and payment just before the end of each quarter. The thing we liked the best about the whole process was the fact it was so easy. Living so far away, you want a company that handles all the details so that you do not need to worry about anything. Other things I liked was the touring of the prospective properties with a friendly and knowledgeable guide, the quick responses to any queries, and the Guaranteed Rent system. Yes - I would recommend Find UK Property to anybody who has savings. Interest rates are so low and the markets are volatile. I think diversifying into investment property make a lot of sense, and Find UK Property are an easy and reliable way of doing that." Paul and Donna Viney - Bermuda

“Interest rates are so low and the markets are volatile. I think diversifying into investment property make a lot of sense, and Find UK Property are an easy and reliable way of doing that."


Cheryl McKenna Enjoying Life Nationality UK Resident KSA "I am a UK expat, living in the Middle East for the past 5 years. I plan to return to the UK in the next 2 years. I wanted a better return on my savings than interest in the bank. I also wanted an investment that would grow in value, so I started to look at suitable low cost investment property in the UK. My main criteria were as follows:- -The investment had to be less than £75K as this was my maximum budget. -It needed to be secure – such as freehold property in my own country. -It needed to be low maintenance as I did not have the time to deal with any property or tenant issues. -It had to generate income and increase in value over the long term. When I initially contacted the company I had many worries. May main concerns were:- -It is real? With so many Internet scams you always have to take steps to make sure. -Can I trust them? They would be looking after my investment for a very long time and I wanted to check if they were the sort of company that would deliver on their promises. -Is this a good investment in terms of net rental income and future capital growth over the long term.

All of my concerns and worries were addressed before and during my visit. Good information was given before my visit and the all the details explained. At the visit, I saw the properties, met the lawyer, and was guided through the process of purchasing the property. I am happy with the services provided and the return on my investment. They are indeed delivering on their promises. The thing I liked most was that everything was done for me and if it wasn't, I was guided accordingly. I also like the fact that questions were answered quickly, there was no sales pressure when initially considering this investment, and my rental income is paid correctly and on time. Yes – I would recommend Find UK Property to anyone in my position considering a long term investment. It is an easy and secure way to earn income and grow your money. Property investment is a safe way to invest for the future." Cheryl McKenna

“I am happy with the services provided and the return on my investment. They are indeed delivering on their promises.”


Dr. Kamal Badr Consultant Nationality UK Resident Qatar "I am a UK citizen, PhD holder living in Qatar with my wife and three children. I work at the Qatar Leadership Academy. I and my family are privileged enough to be able to save some money during our stay in Qatar. We were looking for a safe way where we could invest our money rather than just leaving it in the bank. I have been always very interested in investing in property and I believe that investment in property is probably better, safer and more promising compare to other forms of investment. Accordingly, we started looking all over the world for a property at a reasonable price and that could be rented and managed by a reliable agent. We wanted an agent who could take care of all purchasing and rental procedures without hassle to us, as we are living abroad. Find UK property was recommended to me by my sister who had an excellent experience with them when she bought a property in Dubai from their sister company – Openshore Property. She had also visited them at their UK offices and seen their operations. My initial main concern was whether Find UK was a licensed company that could operate properly and according to UK laws and regulations and provide satisfactory services with no hidden costs.

I became confident after doing my own research on Find UK Property and got in touch with them. Their staff seemed very professional and highly trained and my concerns were fully answered and we were given many options and the right recommendation. I was not able to visit myself but was able to make a reservation and subsequently selected a property with which I was happy with. One of my friends also purchased a property from Find UK Property around a similar time and he was able to visit and see his property as well as mine. Now I have my own Property which is registered under my name and the rent is deposited quarterly in my account even though I haven’t yet seen it physically myself. I am very happy with the whole purchasing procedure and the professional and excellent attitude of all the staff. Everything was explained clearly and all questions and concerns were addressed promptly. I also liked the guaranteed rent scheme which gave me the peace of mind that I was looking for and no additional costs such maintenance fees and service charges. I have already recommended Find UK Property to my friends and relatives in Qatar who are looking to purchase soon. I have explained to them how simple the procedure is of purchasing a property in UK with help from Find UK Property." Dr. Kamal Badar - Qatar

“I have already recommended Find UK Property to my friends and relatives in Qatar who are looking to purchase soon.”


Dr. Ahmed Mahmoud Hospital Doctor Nationality UK Resident Saudi Arabia "I am a UK national and have been working in the Kingdom of Saudi Arabia for the last five years. I work as a doctor in one of the main hospitals here and do not have any definite plans in terms of future location. I wanted to invest my hard earned money in a property which I could rent out and earn from, at the same time protecting the investment. The UK seemed like the perfect location, a stable economy where property prices slowly increase over the long term. My funds were limited and so I was looking for a low cost property with reasonable rental yields which someone else would manage for me, as I knew I would not be able to devote much time to the project. Find UK Property was originally introduced to me by another doctor colleague of mine who had visited them a few years back when he went to the UK. When I explored this further, I noted that the houses were low cost and the company made what seemed like very good promises about rental guarantees and managing the property. But, I was initially worried the house would be in an awful condition due to the low price offered, and I was concerned that rent might not always be forthcoming. However, photographs of the property and further information from another colleague who had dealt with the company over a long period previously, allayed my concerns. I was left

reassured that Find UK Property was a trustworthy organization that would live up to their pledges. Currently I couldn’t be happier with how things are going. I am the legal owner of the property, the payment scheme was to my liking, and the property is being managed without any issues. The best thing is the personal touch in dealing with the company. I always have had my questions answered promptly. I also like the “hands off” approach to the whole purchase, the fact that I was able to complete everything from abroad and that my property is being managed without any involvement from myself - A hassle free investment! Most importantly, they have lived up to the claims that they made at the beginning. Guaranteed rent, no need for excessive travel, good quality property management, hassle free purchase, and professional communications. Another colleague of mine also purchased a very similar property at the same time as I did, and he too has been very happy with the purchase. I would certainly recommend Find UK Property to anybody who was looking for a low cost, hassle free, UK property investment with good rental yields, and no time for all of the difficulties of property management. Such an investment lets your savings work, without having to put in any work yourself! I have already recommended the company to several others here, and recently the father of one of my Saudi colleagues has also purchased." Dr. Ahmed Mahmoud - Saudi Arabia

“Another colleague of mine also purchased a very similar property at the same time as I did, and he too has been very happy with the purchase.”

UK Investment Properties

M.N. Ex. Banker providing Consultancy Services Nationality Pakistan Resident Dubai - UAE "I am an Ex-Banker and now self employed as a Consultant. I am a Pakistan national based in UAE for more than 15 years. I wanted to invest in a property that was able to supplement my income, as well as preserve and/or enhance the Investment value. Long term investment objective is to supplement family income by diversifying the income streams as retirement years, approach. I wanted to diversify my investments to an overseas country that offers economically safe environment along with acceptable returns. UK is that investment destination, and is perhaps most popular amongst Middle Eastern investors. My strategy for Real Estate Investment is essentially investing in relatively safe and high yielding property. With current interest levels at less than 1% for the banking deposits, Find UK Property provided the best opportunity by providing 7% Guaranteed rental yields with option of renewals. I also had a strategy to diversify investments to another international country offering good return / acceptable country risk with strong legal support. UK offers a strong legal base and low country risk, and this was coupled with acceptable returns based on investment offered by Find UK Property. A property in the UK from Find UK Property seemed the best fit within these criteria. Initially I did have a lot of concerns. This was my first investment in the UK with no idea of property

investment / purchase rules in UK, naturally there were innumerable questions and concerns. Since I am based in UAE and had no travel plans to UK, it was all the more discomforting, yet I did not want to let go of a potential investment opportunity. There was also no precedence of any friend or family member already dealing with Find UK Property. The best part of the service was the "remote handling" of the entire transaction. I did not visit UK nor the offices of Find UK Property. The entire communication was via Telephone and Emails, between UK and UAE. Yet the manner of communicating was excellent and the credit for developing my understanding of the UK Reality market goes to Find UK Property. In the end, all my concerns were addressed and I got good clarity on the Risks vis-a-vis the Returns on my investment. I believe they have offered good value for money and am satisfied with the service levels. The aspect of helping clients in the Property Registration and Taxation process for Non-Residents, remotely, is a service that perhaps very few Real Estate companies are offering, or able to satisfactorily manage. The other things I liked were, Flexibility, Accessibility & Concern for customer, and Facilitating approach. I would definitely recommend Find UK Property, especially for overseas investors." M.N. – Dubai. UAE

“I believe they have offered good value for money and am satisfied with the service levels.”

Questions & Answers

Most of the questions and Answers relate to the ‘Best Buy’ Investment Properties

Q- Can any Nationality buy property in the UK?

Yes. The UK is open for investment and all nationalities can buy. About 50% of our clients are non-UK nationals. Many of our clients that are from the UK are expats currently resident or working in other countries in Middle East, Africa, Far East and Europe.

Q- As a non-resident could I get a mortgage?

No - currently non-residents (even UK nationals) cannot get a mortgage. You would need to borrow from overseas or use your own funds to purchase.

Q- Can I buy a UK property without visiting the UK?

Yes – but we recommend that you do visit, meet us and view the types of properties and then decide. If you are visiting later, you can still buy but we will need to get your documents (passport and address ID) attested by a lawyer in your country to the satisfaction of the UK Land Registry. This can be done easily and we will provide full details.

Q- I am familiar with buying property – Why should I use Find UK Property? If you have the time and are willing to take on the responsibilities & liabilities, and want to deal with things yourself, then it is indeed best to do it yourself. Many such houses will need renovation and will have to be legally compliant before renting out. They will need on-going maintenance. This is easier if you are living near your investment property location. Otherwise, our company will deliver better overall value with no hassle for you – over the long term it will be more profitable for you. Q- I have seen cheaper prices. Can I buy cheaper? Yes, you can – but it will cost you more! The market price does vary with what is included in the property, its underlying condition, if recently

well renovated, and street location at a very local level. Historical prices are of course lower. Even the current prices on online property portals in any particular postal area or street for the same type of houses in the North West can vary greatly. Houses next door to each other may have a difference of around £20,000. The reason for this is the internal state of the house and degree of renovation. These houses are below the re-build cost – thus degree of renovation has a big effect on the property price. Also be aware that properties that are derelict or for auction sell for much higher than the guide prices which are shown as very low to attract bidders. They have often come to auction as they have not sold and often have structural issues. They can be end up being much more costly than properties in the open market. Even if you get a property “free of charge” with structural issues that needs everything doing (electrics, central heating, windows, roof, damp-roofing, new kitchen, new bathroom, full decoration and carpets etc), it can end up costing you more than £55,000! The overall value offered by our package is unbeatable and we work very hard at every level to achieve savings, so we can offer everything to you for under £55,000. Q- What is the difference between you and normal Agents? We are also Estate Agents and Letting Agents but we do work differently and take on board most of the responsibilities and liabilities of being the landlord. You are the owner, but with your permission, we become the landlord. Other agents will not do this and they make their profit from you (charging you extras and for maintenance), whereas we make our profit by keeping your property maintained and rented out to get the best possible income. Many of our clients are abroad or in the South and the services provided by normal letting agents and estate agents are not suited to their needs. Q-Why do you not offer Mortgages for low cost investment property? Borrowing to buy an “own use” property can be a necessity and better than renting. However, our current view is that for secure property ownership, you should not borrow to invest. Loan

UK Investment Properties Questions & Answers

set up charges and interest rates are high on low value loans – so your returns are lower. Plus your are not the true owner (the bank is) and with buy-to-let mortgages you have less rights than an “own use” mortgage. From our viewpoint mortgages makes the process cumbersome and introduce delays – so we do not accept them. The low price of these properties enables clients to buy without a mortgage. This also enables them to gradually build the number of properties they own by using their own savings and the rental income to re-invest in more purchases. We have many clients who have used this system to acquire a new property every 2 to 3 years without any bank borrowing. That way they have built a secure portfolio of very good properties to generate income for their retirement. Q- What is the location of these investment properties?

The investment ‘best buy’ properties are located in the towns of Lancashire County (district), just north of Manchester City and Manchester Airport. There is very good rental demand here for low cost properties. Property prices are low and now growing - and rental yields (rent as percentage of property price) are the highest in the UK. In the past these areas and the North in general was depressed with high unemployment. However now, unemployment is only 6% (compared with 5% in the South of UK), there is much more investment, and property prices and demand are rising.

Q- Are property prices rising in the UK?

Yes. Property prices fell in the UK from 2007 to 2010. The fall was greater for lower cost properties and for properties outside London. These are the properties that will now jump up the most in price. Prices have started to rise again since 2013. Average growth in the UK is around 7% (see the chart under UK Property Market).

Q- Should I consider buying under-construction or off-plan property?

Take extra care when purchasing an investment property that is yet to be built or is under construction. The risks with such properties

remain high. The project could be cancelled and there can be delays in completion and then in renting the properties out. Prices are often inflated by developers, as properties are difficult to compare. For investment, only consider property that is built and already rented out. Further, you should buy from a company that has control over the property and remains responsible to you after the sale.

Q– Can I get a discount from the prices shown?

No. For investment properties, the prices shows are the actual final contract prices. You will not be able to purchase at a lower price. The price may be higher if there is a delay between you getting the information and signing the Reservation Agreement. This is because prices in the UK are now rising by about 7% per year on average. The only way to secure the lowest price is to make a decision sooner. Once the Reservation Agreement is signed, the price is fixed and will not increase.

Q – Do you sell only to overseas buyers?

No. About 20% of our customers are resident in the UK. We specialize in, and are very good, at helping overseas buyers for the long term, and our group companies have offices overseas and specialize in international property. Many of the overseas buyers are actually UK nationals working overseas (UK expats). However, many UK resident customers who are looking for a ‘total investment solution’ with minimal involvement also buy from us.

Q- How do I get to see you at your offices?

Our customers usually land at London Heathrow or Manchester airport. Some travel from London by train to Preston (2 hours). For qualifying customers, we provide a collection service from the airport, railway station or hotel. Normally we would have meetings at our offices and then show you the agreed properties (allow 3-4 hours for the visit). We can also take you to meet other professionals, if needed, such as the solicitors on the same day (e.g. for formal ID and attestation of documents – if not already done overseas). After your visit we drop you off at the station, airport or your hotel.


Q- How can I view properties?

Our staff can show you the different type of properties and locations. A visit takes 3 to 4 hours and a prior appointment is necessary. You have to follow our procedure and need to provide ID details before visiting. UK regulations specify that we have to identify you before we start dealing with you. For investment properties, approx. 40% of our customers, view prior to purchase; approx. 40% pay 10% to secure the price via the reservation agreement and then view prior to the second (90%) payment; the remaining 20% view when they next visit the UK and use documents that have been attested by a lawyer in their own country.

For ‘own use’ properties, we insist on all customers viewing before any decision and payment.

Q– What is the biggest purchase issue for overseas buyers?

The biggest issue for overseas buyers is identification to the satisfaction of your solicitor. For this, the following ID information is required:

• Passport • Address ID e.g. driving license, ID card or utility

bill

You will also need to state the “source of funding” – normally this is from ‘savings’ or ‘business profits’ and bank statements may be needed to prove funds. If you are not able to visit at present and are not in the UK, we will need attested copies prior to the exchange of contracts. These can be attested by any UK solicitor beforehand (e.g. at the viewing visit) or by a Lawyer in the buyer’s own country, in which case the Land Registry form ID-1 will need to be completed. Full details and instructions are provided.

Q- Can you get cheaper investment properties?

Yes. For investment properties, prices vary by rental yield. This applies all over the world. In this area we can acquire slightly lower cost properties but the rents on these are lower and they may need additional work before they can be rented out. We do not sell such properties as we have to

provide guaranteed rent. So the prices on the investment property page are the lowest prices we can sell for and these prices will go up. Currently the lowest cost properties we sell are just under £56,000.

Q- What are costs of purchase?

For the ‘best buy’ investment properties the costs are low and fixed – the costs are fixed at £999 and include:

• Solicitor fees • Local search fees • 12 month building insurance • Registration fee for Lands Department

Stamp duty transfer fee is now also payable to Government on these properties at rate of 3%. You can gain exemption from this if you do not own another property. This fee is additional to the purchase costs mentioned above. For a property of £60,000 stamp duty (if payable) is £1,800.

Q- Will you continue to manage the property after the first 3 years?

Yes. Most owners ask us to continue to manage on their behalf under the Net Guaranteed Rent System – but you are not tied to us. You can use any other agent or manage yourself if you wish after the first 3 years.

Q- What are the on-going running costs of investment properties? All these items are FREE for the first 3 years. Thus you have no property maintenance costs at all. All of these are included in our package. -Annual Gas certificates and -Electrical Certificates -Council Licensing Costs -All Repairs of any nature (e.g. plumbing issues, leaks, roof and boiler problems) -Council tax and any other bills during void periods -Tennant Damage, Eviction and Court Costs The main reason why we can offer this free of charge is that we do not expect any significant repair costs in the first 3 years as properties are freshly renovated at start. After the first 3 years clients continue with a maintenance package. The Standard Package shown above costs 0.5% of property price per year (only £320 per year for H3 2-bed house) after the first 3 years.


The only thing you will need to pay for is £99 per year for property insurance after first year.

Q- Can I buy an investment property and immediately use it for myself?

No; these are already rented out at time of transfer. But after the purchase, you can give notice to the tenant and then use the property yourself if you wished to do this. Usually, our investors do not do this and they leave the properties rented out. They then use the rental income to rent something suitable as needed.

Q- I may decide to live in the UK in the distant future or my children may study there. What do you recommend?

You should get multiple lower cost investment properties now. Then, when you or your family move to the UK, re-sell these and get an ‘own use’ property which fulfils your needs at that time (your needs will change), and is near to your place of work/study or where you want to be. This will allow your money to grow at a faster rate, will be lower risk, and will provide you with more flexibility. You could also decide to keep your investment properties rented out and use the funds to rent something suitable for yourself – especially if you were only coming to the UK for 1-2 years.

Q- Can I use my property for UK Holidays?

Some clients are initially looking to use their property for your own use for short periods when they visit the UK. Unless your periods are over 4 to 6 months long, it will not be worth you considering this, as practically this is hard to achieve. Here are some of the issues:-

• You cannot leave properties in the UK empty for long periods for security reasons and because they develop damp if doors are not opened and property lived in.

• If you rent out, then the rental agreements are normally for minimum of 12 months.

• Even if you give notice to tenants to vacate, you may still need to clean / paint property; and furnish it before you can move in.

Properties are normally let “un-furnished” to tenants

• You will need to switch all of the utilities (Gas, Electric, Water, Telephone Line, Internet to you names. Many of these have longer lead times to do the switch). After you leave, these need to be disconnected or switched to new tenant.

• You may wish to have holidays in other locations e.g. London – whereas all of our low cost properties are in Lancashire.

• Property may be empty for a while after you leave before tenant moves in – so you get no rent.

For all of these reasons it is better to buy a “pure investment property” and leave it rented out all of the time. Then keep the rental income in the UK and use some of the rental income for your holiday accommodation. This ends up being more flexible and lower cost and is actually what our clients end up doing – even though they may be thinking like this in the beginning.

Q- Are these properties new?

No. Around 80% of the properties in the UK are almost 80 years old. In percentage terms there are very few new properties in UK. All of these properties are over 80 years old. They are more solidly built than the newer properties – usually built of real stone and slate roofs.

Q-What is the Rental Market like?

Most people in the North West of UK live in these type of properties. 70% are owner occupiers living in properties they own themselves and about 30% are in the rental market – mainly owned by local investors from the same city. Most of the rental demand is at the low end of the market. We do not rent out to students and most of our tenants are long term working class couples and small families. We normally have waiting lists for our properties and there are no issues in renting out quickly. We manage our tenants well and are a good landlord – much better than the average; so our properties are always in demand and our average tenancy is double the industry average.

Can my children use these properties when they come to Study in the UK?


Some clients initially are looking for a property that is near a University so that this can be used by their children if and when they do come to study in the UK. Our advice is that if this is your main aim – then you should NOT purchase property yet. The problems is, that the selected property may not be in the right location, in the right community, convenient for your child – even if it is near the town you think your child will study at. It is better for your child to initially (near the university campus) and have the ability to move around to ensure they are in a convenient and safe location for their studies. We have many clients from overseas who wish to do this but practically they never end up using their own properties for one reason or another.

Instead if you do want to get a UK property, it is better for you to get a purely investment property that you leave rented out all of the time. You can then keep the rental income in the UK and use this income to pay for your child’s University accommodation. This will give you and your child more flexibility. The rent can be paid into a child’s bank account with permission from owner. We would need to check the ID (passport copy) of child too.

Q- Do I need a bank account to buy property in the UK?

No – Most of our clients do not have a UK bank account and it is not required. Rental payments can be made into their accounts overseas – usually on a quarterly basis. Later once property is acquired, some may wish to open a non-resident UK bank account. Some may also open a GBP currency account with their own overseas bank. Under new rules, a standard UK bank account cannot be opened if you are not resident in the UK.

Q- How and when do I make payments for investment properties?

Payments are made after you have agreed to purchase and have signed the reservation agreement. Property is always priced in sterling pounds (£). Payments can be made in any currency and can be converted to £. Normally payments are made into client accounts in £, USD,

Euro or AED. The first payment is normally 10% plus the purchase costs. The remaining 90% plus stamp duty is paid prior to completion and title registration. Receipts and statements are issued after each payment. The final 90% payment is normally a couple of months after reservation but can be extended at request of Buyer to up to 6 months if needed and can be made in instalments. Normally, under the Guaranteed Rent System the rent start to be credited to the owner 1 month after the final payment.

Q- How do I choose a specific house for investment?

You select a type of house from the 3 or more main types of investment homes available. At reservation, you can select from a choice of several properties of the type reserved, and you thus are allocated a specific house provisionally but can switch to any of our other unallocated units at the time of viewing (providing you do this prior to legal exchange of contracts). The specific property that is transferred to you is with your 100% agreement.

Q- Do you offer larger properties with similar deals?

No. The rental yield percentages are less for larger properties. (Prices are higher – but rents are not much higher). Thus, we do not offer such deals on larger semi-detached or detached properties.

Q- Is there anything better for investment?

No. We regularly look at other areas to see if we can achieve the same benefits; however, at present, like in other countries, lower cost properties with high rental yields are the best forms of low risk investment. Prices in other areas (London, The South, Major cities) are much higher and rental yields % are lower.

Q- My budget is much larger. Should I buy a more expensive property?

No. You should buy multiple lower cost properties if your aim is investment. These will grow better in value, give higher rental yield, will be of lower risk and provide more flexibility than one big detached property. However, complete the purchase of one


property first and then buy more once you have been through the process – especially if you have not purchased in the UK before.

Q. What is the difference between Freehold and Leasehold?

There are 3 main categories in the UK.

Category 1 – Freehold and ‘999 years’ Leasehold: These properties are grouped together, as 999 years is a long time. The market value is the same, and for purchase and sale purposes these are treated in a similar way. All of the investment properties fall into this category – either freehold or ‘999 year leasehold’. Most of the properties in the North West are of this type. This is the best category.

Category 2 – Leasehold ’99 years’ or ‘125 years’: These types of properties are popular in London. Almost all apartments/ student flats fall into this category too. The value of such properties is less, especially if they are old with fewer years remaining on the lease. If the lease gets shorter than 60 years, the value can be affected as mortgages can be more difficult to obtain. However, now, under new laws, leases can be extended without excessive penalty.

Category 3 – Leasehold ‘3 to 20 years’ typically: Such properties should be considered as long-term rental rather than true purchase.

For all practical and value purposes ‘999’ years ownership is treated like freehold.

Q-Are student flats/pods a good investment?

These are units built by developers and managed by the student letting companies and sold by agents as investments. However, they have high management costs and service charges, come with shorter leases and cannot be sold to anyone other than an investor. This is the biggest issue as you cannot exit the investment unless you find another investor. Thus, the market value does not rise. Typically, these are sold by aggressive sales agents and we have had many customers who have contacted us wanting to exit such investments. They are also likely to be affected by changes in education policy (e.g. rise in fees; thus,

depressing demand). However, there may be some units which offer good value for money. It is best to buy from an existing investor who wishes to exit– not directly from the developer.

Q- Will I have to pay UK tax?

Most of our customers e.g. those from Europe, commonwealth or those from countries with Treaties with UK may qualify for an allowance of about £12,500 per person per year - which means that the first £12,500 per year in the UK is not taxed. This may enable you to get TWO standard 2-bed houses tax free. Then, if your annual income is more than £12,500 you will have to pay 20% tax on net rental income after all costs that is above this level. After purchase, we can help you with HMRC NRL registration process, so that your rent is paid to you without any deduction of tax. Vast majority of our overseas customers are able to do this. If you are a couple then you have a total allowance that is double these figures.

Q- Is buying a house better than buying a flat/apartment?

Apartments are popular in city centres; they are leasehold units so may have high service charges for common facilities. The new leases can vary and the service charges and ground rents can increase at 5 year intervals. Net rental yields are much lower than terraced houses. Over the past 10 years, many flats were built and these were sold by developers at high prices. Thus, there may be limited capital growth as prices are already too high. Off-plan or under-construction property is especially risky.

Q- Is the purchase process secure?

Yes. When purchasing the investment properties, the reservation agreement clearly lays out the terms. Funds are held in client accounts (where, legally, funds belong to the customer) and your solicitor ensures registration is completed under your name at the UK Land Registry after exchange of contracts and full payment. All of the Solicitors recommended and used in the purchase process are full regulated members of the UK Law Society.


Q- Does a UK property purchase give me any automatic visa or residency rights?

No. Purchase of any property in the UK does not give you any automatic residency or work rights or any permanent visa in the UK. As an investor, it will be easy for you to get visit visas but you do not get automatic residency or the ability to work in the UK. If this is your main aim – then you should not buy a property but seek legal immigration advice first.

Q- Can I buy a larger or semi or detached property with the same management and guaranteed rent deal?

We limit this offer to the popular and best value low cost properties. Larger properties tend to have lower rental yields and are harder to rent out. However, we do offer 3-bed semi-detached properties in our range for £129,9995 with lower Guaranteed Rent %.

Q-What is the difference between an “own use” property and an “investment” property?

An “investment property “is one that is designed to give good rental yield and capital growth. It should be easy to resell and easy to rent out. It should have low running costs, be tax efficient and fall less in value in the event of another recession. In the UK, the lowest cost smaller properties are best suited for this. Such a property can also be used as “own use” although most clients leave them rented out.

An “own use” property is purchased with personal considerations in mind. Location (near family, work), Size, garden area, the nature of the local community, and other features that are important to the buyer are on top of the list. Typically for many buyers, such properties tend to be in the South, are larger, more expensive and not very good for investment returns.

A flexible option for buyers considering an own use property – is to buy an investment property and rent an “own use” property if and when required in the future. Use the income from the investment property to pay for the rent of the own use property. This is especially useful if your

long term plans about location and requirements are not 100% finalized.

Q- Can I buy similar properties in other areas of the UK with the same management and guaranteed rent deal?

No. These properties are located in the North West – Lancashire County, where prices are low and rental demand is high – so these are the best for investment. We do not offer properties in other areas, as the risks are higher for both you and us due to the lower investment returns. Also, due to the popularity of these properties, we have our own management teams in the North West and do not have to rely on third parties – so we can keep our costs low and also be 100% directly accountable to our clients.

Q-Should I buy the property Jointly with My Spouse or Child?

Many couples buy jointly under “Joint Ownership” so that both of them own the property equally. In the event of one passing away, the property automatically goes to the other 100%. Parent and Child also sometimes buy under Joint Ownership so that the property automatically passes to the child when the parent passes away. Up to 4 people can buy jointly and there is a small extra admin fee added to purchase costs if there are more than 2 owners.

Another type is called “Tenants in Common” multiple Ownership whereby each person has a fixed share (e.g. 25%/75% or 50/50) and if the person passes away their share goes to their estate or as per their will – not necessarily the other owner. We do not normally use this form unless specifically asked.

Q- If I wanted to re-sell my investment property in a few years, could you do this and get it done quickly?

Yes. We can help you re-sell your property and we can also buy back. Normally, your solicitor will be involved and the re-sale process will take about 3 months and you should budget for this. If you are looking to re-sell well within 2, you should not


purchase, as you may not make much profit due to purchase and sales costs.

Q-What is Net Guaranteed Rent? There are the 3 main systems in the market. We offer the Net Guaranteed Rent System as standard. Gross Rent System - 8 %: Most agents use this system. This is the market rent for properties in this area. A property costing £59,999 will on average deliver £4,800 gross rent if fully occupied for the whole year with a regularly paying tenant and no void periods. The gross rent you actually get would be less than this on average especially if you get a bad tenant or long vacant period. On top of this the agent would charge you a management fee which can vary from 12% to 18% of the rent. They would also charge your for repairs and maintenance as these arise. We do not use this system Basic Guaranteed Rent System - 7%: A few agents use this system. The rent is paid even if no rent is collected from a tenant (e.g. vacant periods or tenant not paying rent). On top of this the agent would still charge you a management fee which can vary from 12% to 18% of the rent. They would also charge your for repairs and maintenance as these arise. We do not use this system. Net Guaranteed Rent System – 6% This is the most important figure and the system we operate. This is the net rent you get after ALL costs and is guaranteed – no matter what. For H2 type house costing £59,999 you get Net Guaranteed Rent of £3,600 per year. On top of this you get capital growth with houses expected to double in value over next 10 years. -There are NO management fees to pay us when you are on Net Guaranteed Rent. Most agencies charge 10% to 15% + VAT = 12% to 18% management fees, but this would not apply. - Our Net Guaranteed Rent System also includes the Free Standard Maintenance Package shown below for the first 3 years. This is the system we operate as default. The rate of 6% per year is guaranteed for a minimum of 3 years and after this automatically renews (as per wishes of owner) each year at the same rate unless rents in the market have changed significantly. Future Ongoing Net Guaranteed Rent – 6%

After the first 3 years the default rate remains at 6% per year. It may be changed if rents in the market have changed significantly. E.g. If Average Gross Rent in the market increases by 1% to 9%, we would increase the Net Guaranteed Rent by 1% to 7%. Overall Net Guaranteed Rent System is better than getting Gross Rent and Basic Guaranteed Rent. It gives you certainty of income and on average the net rent you actually get is better.

Q-Why are such low-cost investment properties from Find UK, better than other properties?

Such an investment property from Find UK and our process is much better than ordinary properties for many reasons: -

• The properties are selected with long-term investment in mind

• All aspects of the processes are clearly laid out beforehand in the Reservation Agreement – so eliminating uncertainty

• Properties are recently renovated with Guarantees in place to avoid future repair costs and reduce risks.

• Rental yields are guaranteed providing certainty of income.

• Processes are designed for UK expats and overseas investors or those who want a “hands off” approach, with full support for all aspects of the purchase and subsequent management.

• It is a total investment solution – not just a property purchase

Q-What are the KEY STEPS in the purchase process for a low-cost investment property?

1. Discuss your requirements and determine that such an investment is suitable for your needs. Look at the property offer sheets and select a type of property.

2. Provide ID information (passport copy photo page, address). All information is kept confidential, but we need this to follow AML procedures.

3. Our admin team will send you the Reservation Agreement for the selected type of house e.g. 2 bed Standard. The minimum specification of the house type will be specified. You can switch to any other type later at property selection


4. The Agreement is a key document that sets out all of the process and clearly shows what we have to do, and what you have to do. We would follow all of the terms and the process shown in the agreement.

5. You can visit prior to Reservation or later. At the visit you can see our operation, the different areas and the types of properties.

6. Once you are happy with all of the terms etc., you can make a Reservation by signing the Reservation Agreement and lodging 10% payment into the Client Account. All funds stay in the client account until property transfer. Purchase is thus a 2-stage process with initial reservation and then property selection.

7. We work with you in the next 4 to 6 weeks to agree and allocate a specific property of the selected type with which you are 100% happy and then that property is transferred to you and registered under your name at the UK land registry. A solicitor firm from a panel of local independent solicitors that have agreed fixed costs, is used to do the transfer and we oversee the process. After purchase the solicitors provide the Land Registry Title Documents and Purchase Completion Summary to the buyer.

8. You can visit at property selection, or we can send you full details by email and send you the UK Land Registry forms for you to complete in your country. Most clients visit at some stage.

9. Clients normally go on the Net Guaranteed Rent system and your net rental income is paid into your bank account in your country or UK (or elsewhere) at end of each calendar quarter. We deal with all aspects of the property and its management. It is a full “hands-off “service. Net Guaranteed Rent is 6% of property price per year. There are no Management Fees or other costs.

10. After purchase we will apply for HMRC reference number so that your rent can be paid without any deduction of income tax (up to £12,500 UK income) per year.

Q. Who are your Clients?

Our clients fall into 3 main categories: -

1.Overseas Nationals - Many overseas buyers are looking to the UK for a secure place for medium to long-term investment. They are not looking to

immigrate into the UK immediately (although some may consider it in the future), but simply wish to grow their money securely and with the least amount of hassle. They usually have some link with the UK or intend to send their children to study here in the future. Many may have studied here themselves. They are looking for a company that offers a complete solution; this includes finding investment property, dealing with the purchase process and lettings and management, paying the net rent to them, dealing with UK authorities and possibly managing the future re-sale of the property. Some of them may wish to come to the UK in the future and even re-sell their investment properties to buy an 'own use' property.

2.UK Expats- Many of our clients are actually UK nationals who are working or living overseas. They want to invest for the long term in a safe and secure country (i.e. their own country - the UK). Some may eventually wish to retire in the UK and may sell one or more of their investment properties to get an own use property. Others will simply keep these properties for long term investment and they may pass these on to their children. Having a real asset that they own outright and that grows in value, generating good retirement income makes sense for them and they feel safe in having such a property in the UK. Many clients start with one property and in later years acquire more to build a small portfolio (see customer case studies section).

3.UK Residents - Many UK residents living in the south or in London are now considering low cost houses for investment and long-term pension type income. Prices in London and South are very high and % rental yields much lower. The same property which we sell for £60,000 here in Lancashire county near Manchester is over £300,000 in the South. In the past London has done very well in capital growth – however this is less likely to be the case going forward and the risks of buying here are ow higher. Our clients from the UK also like our “hand-off” system where we work differently to normal Estate Agents and Letting Agents and provide a much more comprehensive service looking after all aspects of the purchase and the subsequent long-term management with a Guaranteed Rent System. Our


UK clients are mainly either busy professionals working in or near London or those that have retired or coming up to retirement.

Q- Why does this service seem to be exactly what I am looking for?

You are probably a UK expat or overseas national living abroad. Or you are a busy professional or retired person in the South looking for a company that does everything for you. Our services have developed over the past 10 years, based on the needs of our clients who were originally all resident overseas (they were customers of our sister property companies in Dubai). As we expanded to sell to clients from all over the World, we tailored our service and solutions to meet their requirements and keep them satisfied and happy. This is probably why our service appeals to you. It is indeed what you are looking for!

Q- I am seriously interested. What should I do next?

Discuss your requirements with us. Provide your full ID information, select the type of investment property needed and get the draft documents and agreements. Thereafter, you can decide to visit if you think you are likely to purchase. You should do your research and make a decision soon.

You should not rush to purchase anything, but it is worth getting the information as soon as you can. After a period of price drops and stability, prices are now rising in the UK. Once your reservation agreement is signed, the prices are fixed.