Mortgage Arrangement

Owning a £1 million property portfolio can be rewarding in more ways than one. It is not just the profits on rental income you need to consider, 5% property inflation on a £1 million portfolio would result in you making £50,000 extra in capital growth every year before you even get out of bed!

You don’t need a million pounds to own a £1 million property portfolio.  You could need as little as £150,000 as deposits and a bit extra to cover fees. That is because it is possible to borrow the other 85%.

You don’t even need £150,000.  All you actually need is your first 15% deposit. Thereafter, the trick is to get your money back out as soon as possible and whenever the property increases in value.

There are many ways to do this. One example is refinancing. However, you may not even need to do this. Some Buy-to-Let mortgages schemes allow you to increase your mortgage in line with property prices.  Assuming that property will increase in value by 5% every year, it is possible to double your portfolio every four years, simply by increasing your mortgages in line with property/rent inflation and using the extra cash as additional deposits.  If you could raise £100,000 cash to invest in property, this would put you into a position where you could spend up to £500,000 on properties. With such an investment, if the property market were to increase in value by just 5% per annum, you would be making £25,000 a year, increasing year on year. This represents a rising return of at least 25% of your initial £100,000 investment.

Our award winning mortgage brokers have a vast array of products availble, and creating ways of financing your purchase.  Fill out the form below and a nominated, independent broker will contact you.