Issue number 5, April 2021
content
Tobacco House
Market report Q1 2021
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18 Development Updates 36 New Developments on Offer in Q2
Current investment opportunities
94 UK Budget Reaction March 2021 2
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Our Recommended Mortgage Broker
A NOTE FROM THE CEO A
s the spring blossom starts to bud and the temperatures
begin to warm, the engines in the TD head offices are already running hot with activity. We’ve had a sensational start to the year in spite of this pandemic situation rumbling on. Investors are looking for opportunities to take full advantage of the cheap lending available, the stamp duty holiday extension, exciting incentive deals on offer and the encouraging growth in certain areas of the country. At Thirlmere Deacon we are always researching new markets and opportunities to keep a good flow of options available for investors and naturally we are
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proud to show our successes. I am
Property law in the UK is some of
happy to report that over the last
the oldest and most highly regarded
few months we have sold out of our
in the world and therefore a strong
Wolverhampton, Redditch, Preston
double digit rental income, some
sites and expect 2 out of 3 of these
steady growth alongside the security
to complete this summer ready for
of those British titles and contracts,
tenancy. The Sheffield site we
it’s easy to understand why we have
launched in February sold out in a
happy clients from over 25 nations
record 9 days and our Kingsway
already this year.
Square development in Liverpool has sold out on all of the 1 and 2 bed
I am personally excited with the new
apartments within the last
avenues we’re working on and
weeks of March.
connections we’ve made over the last 3 months. For example we’ve just
As pleasing as it is to be able to
partnered with a luxury sports
report these numbers, I would like to
magazine group and heavily invested
take this opportunity to welcome in
into our own social media team. So
some new investors to us this
expect more videos and content from
quarter. As well as the usual repeat
myself and the entire team over the
investors and referrals for whom we
coming months. But the thing that
are extremely grateful. Excitingly,
we are most proud of is that our
investors over the last few months
efforts over the last few months
have come from every corner of the
have enabled us to make a
globe. This shows that not only is
significant donation to a charity
there the continual stream of
close to our hearts – Shelter. We are
domestic investors looking to start
proud to be able to contribute to
and grow their property portfolios,
their quest to end homelessness in
but also that no matter what doom
the UK.
Have a great few months guys. Let the sun shine. Stuart Williams
and gloom is presented in the press about the UK economy, the UK is still seen as an economic safe haven for most other nationalities worldwide.
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Q REVIEW
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T
he first three months of 2021 have been some of the busiest
in the UK property market for many years. The Stamp Duty Holiday has certainly continued to drive activity and is reported to have saved buyers over £3billion. The consistent high demand for homes has led to strong capital growth in most locations across the country. The annual price change to January 2021 was the strongest in the North West of England at 11.2%. The lowest increase in prices was witnessed in London but was still positive at 3.5%. The UK average price growth sat at 8.5% over the same period. Source: Lighthouse Financial Advice
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In his Spring Budget 2021 the
Throughout the first 3 months of
Chancellor announced he would
2021 interest from international
extend the temporary Stamp Duty
buyers has boomed despite the
Holiday which has continued to
surcharges. The number of
fuel buyer activity. A mortgage
overseas landlords in the UK has
guarantee scheme, also announced
increased by almost 20% over the
in the Spring Budget, is set to
past 5 years. Britain’s property
further add to the momentum in
market is known to be one of the
the market. Under the scheme
most resilient in the world and
first time buyers are able to get a
this has been proven again
95% loan to value mortgage with
throughout the pandemic.
the government guaranteeing the loan.
The British National (Overseas) visa scheme has further propelled
The widely reported trend to
interest from Hong Kong buyers,
‘move to the country’ will begin
there’s reported to have been a
to slow as the vaccine is rolled
30% increase in HK buyers in
out, lockdown measures are eased
2021. Hong Kong have long had a
and people return to their offices.
vested interest in the UK property
First time buyers and professional
market with investors already
tenants alike have a clear
heavily involved in major
preference for conveniently
developments such as Media City
located, modern and low
in Manchester and Liverpool
maintenance homes – there is
Water in Liverpool.
expected to be a sharp rise in the demand for city centre flats in the coming months.
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Q
2
REVIEW
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P
roperty investing is more popular than ever as the
strength and stability of the market is so apparent compared to other much more volatile asset classes. From Brexit to changing governments and a pandemic, through it all the average UK property price has continued to rise. Proving once more that even with economic and political instability, so long as there is major undersupply of homes to the market, prices will continue to increase and property will continue to be the best performing asset class available to investors.
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MARKET REPORT Q1 2021 18
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JANUARY
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Annual house price growth hit six-year high of 7.3% at end of 2020:
A
verage house prices in December were up 0.8% on
a month-on-month basis after taking account of seasonal factors figures from Nationwide have shown. Read more...
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Housing market sees busiest ever start to a year:
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UK house prices at record level for fifth successive month:
T
ightmove recorded our busiest ever start to a new
year, with visits to our website up 30% on the same time period in 2020. Read more...
he average house price in England and Wales now
stands at £326,762, establishing a new record level for the fifth consecutive month following heightened and unseasonal activity during December. Read more...
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FEBRUARY
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Property exchanges rise by 57% in January:
T
he number of UK property exchanges rose by 57%
between 3 and 23 January, according to Knight Frank. Over the same time period, there was a 43% uplift in the quantity of offers accepted and an 18% rise in new prospective buyers. Read more...
Private rental sector growth highest in the north:
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T
he proportion of the population in the private
rented sector in England has risen three per cent in the past decade. Read more...
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House prices up 8.5% in 2020 amid tax holiday:
U
K house prices climbed 8.5% in 2020, the highest annual
growth rate since October 2014, according to official figures. The average UK house price reached a record high of £252,000 in December 2020, the Office for National Statistics said. The North West had the highest growth of 11.2%, while London rose just 3.5%. Read more...
Stamp duty holiday will be extended to end of June:
R
ishi Sunak is preparing to extend the stamp duty
holiday by three months until the end of June in an attempt to keep the property market firing as Britain emerges from lockdown. Read more...
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MARCH
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Investors see residential property as ‘a safe investment’:
W
ith savers receiving poor returns from banks and
building societies, thousands of people unsurprisingly continue to turn to residential property as a means of supplementing their income, supported by low mortgage borrowing rates, solid demand from tenants and stable yields, as buy-to-let consolidates itself as the investment of choice. Read more...
House price growth reaches 6.9%:
A
nnual house price growth increased to 6.9% in
February, up from 6.4% in January, Nationwide’s house price index has found. Read more...
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Rental growth reaches a record 8.0% outside London:
R
ental growth outside London has hit 8.0%, the highest
figure ever recorded by the Hamptons monthly letting index.
Read more...
Tenant demand for city living surges ahead of restrictions being lifted:
D
emand for city rental accommodation is on the
rise as tenants slowly make their way back to urban living ahead of the expected easing of lockdown restrictions on 29th March. According to recent research from Rightmove, city centre rental enquiries have surged by as much as 126% year-on-year. Read more...
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DEVELOPMENT UPDATES
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WARDOUR POINT / REGENT PLAZA
During March: Intumescent to
PLANNED WORKS
the structural steel to Block B has been completed.
• Block B SFS will be fully completed, and boarding will be advanced.
The Roof to Block B has also been completed and is
• Window and glass installation to Block B will continue.
now watertight. All the Mast
• Blockwork to Block B stair core will
Climbers have been installed
progress including the lift shaft.
and are in operation allowing
• The cappings to the roof of Block B
the boarding to continue to the SFS.
will be installed. • The envelope works will begin to Block B with insulation and render
The windows to the 9th Floor Block have installed complete with glass.
ready for the brick slips. • Metal partitions will commence for the internal walls and the MEP will commence at the same time.
The muck shift is 95% complete allowing us to
• Block C steelwork installation will continue.
commence works on Block D.
• Block D CFA piles will commence.
Piling to Block C has been
• Final drainage connections to the
completed along with the pile
sewers will commence.
caps, beams and foundations.
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DERBY COURT
Having been granted full planning
PLANNED WORKS
decision in December 2020, the concrete pads and beams have been installed, we applied for a road closure to Farnworth Street to stand a crane and now the steel frame is complete.
• Safety handrails to the perimeter of the building, • Lay floor and roof decking, concrete to floors • Install concrete staircase. • Commence perimeter SFS.
We have lifted all the steel floor
• Commence under
decking into place ready for the
slab drainage.
concrete floors to be laid.
• Commence substructure Brick/blockwork.
Steel Frame up and now the floor and roof decking have been placed and the final few concrete beams are being excavated and concreted. 40
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KINGSWAY
We are currently awaiting council permission for works to resume onsite at Kingsway. A number of Covid related delays on the part of the local council are currently being resolved resulting in the current delay. Work on site has been completed including all groundworks todate and site clearance. 42
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REDDITCH RESIDENCES
We are pleased to confirm that
Again, as I am sure that you are
there was a full allocation of
aware, all parties involved want
electricians and plumbers on-site
this project completed as soon as
and we are moving to the next
possible and we are all working
stage in the conversion. This we
towards this goal diligently.
hope comes as welcome news and we expect to have further trades
Work has continued in the
joining the site this week so we
background and we are happy with
should be able to put together a
the progress that has been made
quite detailed progress report and
so far with the internal structure
completion schedule in the next
being formed.
few weeks. 44
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GLOBEWORKS
The iconic building has had a relatively dormant period over the recent months but work has started in preparation for a full team returning. A new supply and substation have been completed which allows for an upgraded power supply to the Tower Crane and heavy machinery ready for works to commence. The necessary site checks and Health and Safety precautions are being put in place for operatives to return to full capacity also. 46
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WOLVERHAMPTON RESIDENCES
Our Wolverhampton project has
lower levels, but the developer is
seen continued activity on a
confident they will make up any
significant scale since the turn
lost ground over the next couple
of the year and feedback from
of weeks, as containment work
the developer is that all floors
for the necessary services nears
are progressing well. 1st fix
completion on these levels.
boarding continues at pace on the lower levels, as well as works
The large task of installing
commencing for drainage and
scaffolding is set to commence
risers on such floors, these will
soon, this will allow for the
continue up towards the top level
installation of new windows across
throughout the coming weeks.
the building. We look forward to our future updates which show the
Electricians and plumbers have
external façade of the building
been set back slightly by the
really take shape as this happens.
advancement of boarding to the 48
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PRESTON CENTRAL APARTMENTS
Our Preston development has also
in preparation for waste services.
benefitted from the workforce
We’re pleased to report this work
returning to site earlier this year.
is now complete. Elsewhere, enabling work in the basement
Since our last update, dry lining
level ready for a new substation
has now been completed across
and metering system is
all levels. In the common parts of
advancing well.
the building, containment works for services are being formed in
Scaffolding has also been erected
the corridors. In recent weeks,
over the last few days to allow for
heavy duty core drilling has taken
the installation of new external
place from the upper floors down,
windows throughout the building.
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JQ RISE
• S.106 Agreement executed 23 October 2020 • The professional team to deliver the development has been appointed and are now working in conjunction with Interserve Construction Ltd to procure the Main Design and Build contract. • Demolition now complete • Further site investigation works and enabling works underway 52
• To be followed by ground remediation, pile probing, piling obstruction removals and piling mat formation. • Design development & contract procurement to February 2021 • Piling works to commence 1st week March 2021 • Main Contractor targeted start on site March 2021. • Estimated Completions, Q3/Q4 2022 53
NATEX STUDENT RESIDENCES
BLOCK A • The Steel frame of block A is now complete. • The intumescent painting is
BLOCK B • The boarding is now installed up to level 12 and part 13. • Windows have now been installed
now complete to the underside
up to level 11 and glass has been
of level 14, just one floor
installed progressively
remains to be sprayed. • Mast climbers and hoists continue to operate feeding the floor plates, they have now been jumped up to level 15. • Pods have been delivered and installed to level up to level 12 and ongoing on level 13. • The external SFS has continued with stud work now installed to
• Partitions are now 1st fixed to levels 1 to 11 with levels 12 ongoing • 1st fix M&E installation pro - gressed well to levels 1 to 8 • The site continues to work under social distancing measures which are working well
• Structural steelwork erected to block B is nearing completion • The decking installation continues to block B • Concrete floors have been poured into the first half of the building, levels 1 - 7 • J-Safe edge protection is being progressively installed as the frame progresses • Mastclimber bases have been installed.
level 13 and part 14. 54
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UK BUDGET REACTION MARCH 2021
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U
K borrowing has hit a
Below we provide our initial
peacetime high as the
reaction to the Budget’s impact
Government deals with the
on company Buy-to-Let
economic and health impact of
ownership. There are many
Covid. This Budget has sought to
benefits from holding Buy-to-Let
both continue support for the
property in a company structure.
economy as it emerges from what
GetGround makes it easy and
the Government hopes is the final
cost-effective for Buy-to-Let
lockdown in response to Covid, as
investors to purchase their
well as begin the task of repairing
investment property through a UK
the UK’s finances. The success of
Limited company.
the UK vaccination programme has given economists hope that the economic rebound in 2021 will be substantial. 58
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SMALL COMPANIES ESCAPE CORPORATION TAX INCREASES.
The Chancellor is increasing
per company now provides an
Corporation Tax from 19% to 25%
additional advantage of creating a
(taking effect in April 2023), however
structure that will almost always
companies which have profits of £50k
benefit from the small profit rate of
or less are protected and will remain
Corporation Tax given it is unlikely
at the current Corporation Tax rate of
that one property produces profit
19%. This small profits rate, as it
exceeding the threshold.
existed in 2014 before it was axed by George Osborne, applied to companies
We should also note that the
holding Buy-to-Let property.
Chancellor has cancelled any planned increases in the Income Tax personal
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As a result, for GetGround customers
allowance until 2024 effectively
we expect no increase in Corporation
dealing a blow to landlords who
Tax. Furthermore the GetGround
qualify for this relief and hold Buy-to-
model of holding only one property
Let property in their personal name.
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STAMP DUTY HOLIDAY EXTENDED.
.... The Stamp Duty Land Tax holiday,
Owning Buy-to-Let property
where a nil rate is applied to
through a company creates
property values upto £500,000,
flexibility for investors.
has been extended to 30 June 2021. Thereafter and until 30
Buy-to-Let property is often a
September 2021 the nil rate will
long term investment. Over long
apply to property values up to
time horizons many circumstances
£250,000 before returning to the
can change for an individual. It is
pre-Covid level of £125,000 in
therefore comforting to many
October 2021. We believe the
investors that owning Buy-to-Let
savings from this initiative will
property through a company
continue to support transaction
creates flexibility.
volumes through to the final quarter of 2021. 62
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EXAMPLES OF THIS INCLUDE: • A flexible ownership structure where existing or new investors can change ownership in the company by selling and buying shares. • Greater legal protections afforded by company formation documents including a Shareholders’ Agreement and Articles of Association. • More flexible inheritance and estate planning. • Multiple routes to extract profits from the company including owner loans, dividends, pension contributions and liquidations. • Additional routes to exit the investment and drive returns. Choose to sell the property or to sell the shares in the company. • Company ownership opens the door to multiple tax efficiencies.
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The many benefits of owning Buyto-Let property in a company are driving record numbers of companies being incorporated for this purpose. Last year alone there were 41,700 (source: Hamptons) companies incorporated in the UK for Buy-to-Let. One of these benefits are tax efficiencies which we summarise in the table below.
PERSONAL OWNERSHIP
Same taxes as personal ownership if you rent out your property to 3rd parties
Same taxes on property purchase
Deduct mortgage interest from your tax bill
COMPANY OWNERSHIP
Replaced with a basic rate credit
This is a significant saving on its own
Efficiently take income from your property
Income Tax as profits arise
Choose between repaying an owner loan or dividends
If you sell, Stamp Duty Land Tax(SDLT) for the buyer
Buyer still pays SDLT
No SDLT when buying shares= price advantage
18% or 28% CGT tax
10% or 20% CGT tax for sale of shares
Lower Capital Gains Tax(CGT)
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At GetGround we want to educate
In the following days details of
people about the benefits of
the headline announcements in
company Buy-to-Let, then make it
the Budget will be released by the
easy and cost-effective to execute.
Treasury. We will review this and follow up on this article to
The rental sector is huge and
provide further detailed insight
growing. It plays a crucial role in life
into the changing landscape for
in the UK. We believe by increasing
the Buy-to-Let investor. In the
company Buy-to-Let we can change
meantime if you have any
the rental sector for the better by:
questions please visit our website
Reducing costs translating to better
(www.getground.co.uk) or email
returns for investors.
us on info@getground.co.uk.
Professionalising the industry and thereby raising rented property standards making it safer and more enjoyable for tenants. Increasing transparency and improving governance by bringing company structure and law to the industry. 68
Legal note: For information purposes only, none of the information set out here constitutes legal, tax, investment, financial, or other advice. All reasonable efforts have been made to ensure that this information is accurate and up to date; however it is not a comprehensive statement of the matters discussed and should not be relied on as such. GetGround always recommends that you take independent advice.
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NEW DEVELOPMENTS ON OFFER IN Q2 70
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LIBRARY HOUSE BRENTWOOD
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nvestors who have been closely
apartments finished with high-
monitoring market movements
quality fixtures and fittings.
will recognise that there’s been a shift in tenant preferences and an
In addition to the in-apartment
increased demand for homes
features, the development offers
located in commuter towns.
excellent facilities including secure bike storage, additional
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This development is an ideal
storage facilities, lift access,
opportunity for those seeking to
daytime concierge and allocated
secure a buy-to-let property in an
parking spaces (available to
established commuter location.
purchase).
Through thoughtful planning, the
Not only is the building close to
conversion makes the very most
the High Street and the many
of the available space to create
amenities in the town, but it is
unique, modern and spacious
also located just 0.4 miles from 73
the Brentwood Station where
office building into stunning
trains to London Liverpool Street
residential flats offers investors
take just 40 minutes and
an exciting opportunity.
Shenfield Station is just 1.4 miles away for an even faster
Not only is the outlook strong for
connection with London – with
capital appreciation over the
trains taking around 25 minutes to
coming years, with Savills
reach London Liverpool Street
predicting price growth in the
from Shenfield.
East of England to be 17.3% between 2020 and 2024 but
Whilst transport connections that
Homelet is predicting a 7.9%
are currently available to residents
increase in rents in the area.
are impressive, the town’s appeal is set to soar even further with the arrival of Crossrail that will
• Stunning 1 and 2 bedroom apartments
reduce the commute time even further.
• Close to the rail station and High Street
Brentwood is a popular commuter town but it doesn’t solely rely on
• 1-year rental assurance 5%
its close proximity to London to attract residents. Many desirable suburbs are nearby including
• Unique apartments with high ceilings and quality fittings
Chigwell, Ingatestone and Loughton. Stansted, Southend and
• New Home Warranty
London City Airport are all within a 40-minute drive.
• Crossrail to open in 2022 cutting commute times
Location is crucially important to the success of every investment property, located in a prime
• 17.3% predicted house price growth 2020-2024
position within a prominent commuter town, this stylish development of a commercial 74
• Secure bike storage, lift access and daytime concierge 75
TOBACCO WAREHOUSE LIVERPOOL
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ositioned in the very centre of
renovation has ensured the
Liverpool’s most ambitious
property retains much of its
regeneration programme, this
heritage and industrial features.
development is easily the most impressive option available to
The redesign of this most
investors in the city, a unique
magnificent building has been
opportunity to purchase within a
carefully thought through, an
building of historic significance.
entirely unique redevelopment that gives each of the New- York
Built in 1901, it is one of the most
loft-style apartments a very
stupendous industrial buildings in
special open plan, many duplexes,
the United Kingdom, its structure is
living spaces found in very few
Grade II listed. The sympathetic
buildings across the country.
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Each apartment is to be completed to a premium specification with beautiful detailing, double-height ceilings, stacked heritage style windows, exposed beams, cast-iron columns and exposed brickwork (where possible). Residents will benefit from a range of luxury amenities including a private resident’s lounge and just across the dock is the award-winning Titanic Hotel that has a popular restaurant, bar and spa. The area surrounding the building, Stanley Dock is filled with bars and restaurants, café culture is on the doorstep. The Ten Streets creative district is also nearby. The neighbourhood surrounding the development is already brimming with facilities that are set only to increase as the regeneration continues. Residents can enjoy the building as a
• Iconic and historic building • Part of the UNESCO world heritage site • 2 and 3 bedroom apartments • Waterside location in Stanley Docks • Within walking distance of city centre • Luxury amenities • Surrounded by upcoming neighbourhood
retreat away from Liverpool’s busy city centre, located by the water with many apartments enjoying river views, yet remain within walking distance of Lime Street Station and the retail and business districts.
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CURRENT INVESTMENT OPPORTUNITIES 80
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RINGWAY NEWCASTLE
T
his development will easily be
The seven-story building features
one of the finest in the city
its own undercroft parking and, as
and is being completed by a
part of the conversion, the
developer who has an impressive
exterior will be transformed,
track record. As with all the
fitted with stinking new glazing
developments we propose to our
and entranceways. Similarly, the
clients the property and the
interior is being stripped out and
location have been carefully
replaced with beautiful one and
considered and fully vetted by our
two-bedroom residential units all
team. Originally built as an office
of which are being built to the
development, it is now the subject
latest standards for safety,
of a visionary multi-million-pound
security and energy efficiency.
conversion scheme that will create 152 top-quality apartments. 82
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INVESTMENT HIGHLIGHTS • Price from £144,000 • Due for completion Q3 2022 • 10% discount off market prices • 8% gross rental yield for 10 years • 3% interest on all deposits
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WARDOUR POINT
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eaturing a total of 183
fittings and features to appeal to
apartments arranged over 25
professional tenants.
floors, there are one, two and three-bedroom apartments and
The building also boasts many
several duplex apartments
on-site facilities including an
available to purchase.
on-site gym, residents lounge, a
Designed with modern living in
concierge service and beautifully
mind each of the luxury
landscaped gardens. Creating
apartments has been carefully
community spaces for all the
arranged with spacious, light-
residents to enjoy the gardens will
filled rooms that are ideal for
include communal growing beds.
working from home and will be completed with high specification 86
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INVESTMENT HIGHLIGHTS • Prices from £216,000 • Projected 6% rental yield • Incentives available including stamp duty contribution • Legal fees paid and 2% interest on deposited funds during construction
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PRESTON CENTRAL APARTMENTS
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reston Central Apartments is
the highest employment rates in
a prestigious residential
the UK, and the local economy is
development situated on the
on track to surpass £10bn by our
picturesque Winkley Square in the
scheduled completion date. Voted
very heart of Preston. Planning
the best place to live and work in
permission was granted in May
2018 by Good Growth for Cities
2020 to convert this former office
Index, Preston is becoming
space into a luxury apartment
increasingly sought after by
building and works are already
professionals, and our project is
underway at the 70 unit
directly on Winckley Square,
development which is on track to
arguably Preston’s most
complete in Q1 2022.
prestigious address and one of the most popular postcodes in the UK.
As a city, Preston boasts some of 90
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INVESTMENT HIGHLIGHTS • From £127,000 • City centre location • 8% Gross rental assurance for 10 years • Experience developer • Experienced management company
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OUR RECOMMENDED MORTGAGE BROKER 94
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KELLY RULE
.... VIBE
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Finance have
Investors and Property Developers
been working
buying or refinancing properties
with Thirlmere Deacon for the
that are let. There are many
best part of a year now. We are a
Mortgage Brokers out there that
Specialist Mortgage Brokerage
source mortgages for your main
which means that we only deal
residential home and they do that
with Investment mortgages. Our
very well… we leave that to them!
client base consists of Property
This is not our area of expertise!
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All of our brokers come from the
It is very rare that we have to say
Banking sector where we have
‘Sorry, we can’t help you’. We
sold and underwritten these deals
tend to always find you a solution,
for the banks for many years.
it might just be that our solution
Therefore, we know exactly what
is a little more expensive than the
our lenders are looking for,
high street banks.
exactly where to place your application and making sure we
At VIBE Finance, we have a team
have covered all bases to avoid
a Case Managers who take your
any risks of a decline.
application over once you’re happy with the initial terms and
We have hand picked our lender
ready for a Decision in Principle.
panel that consist of a multitude
They will look after every aspect,
of tiers, starting from vanilla buy
supporting you along the way as
to let right up to really quirky
well as chasing lenders, valuers,
transactions. We help first time
solicitors and anyone else who
investors, investors with no
needs a nudge to get your
income, UK Ex-Pats and Foreign
application completed as quickly
Nationals to name a few.
as possible.
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The typical VIBE mortgage process looks like this: 100
Broker makes initial contact
Client agrees to terms and
and issues mortgage terms
provides initial VIBE Forms
VIBE Apply for a Decision in Principle from the Lender
Broker passed over to VIBE Case Managers who carry out internal checks
Client pays the application
VIBE submit a Full
and valuations fees
Application
Lender request any extra
Valuation is instructed by
documentation that is
the lender or VIBE
needed
Mortgage Offer is issued
Solicitors request funds from the lender
Solicitors are instructed
Legal enquiries go back and forth to ensure that the title is clear
It is as easy as that. Communication is key for us here at VIBE, we’re not just in a vortex that you can’t get hold of. We are on the end of the phone and/or
Completion of the purchase
email every step of the way. If you’d like to explore finance options, please get in touch: 0203 950 7939 info@thirlmeredeacon.com
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Library House
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Thirlmere Deacon London info@thirlmeredeacon.com + 44 (0) 2039507939 Lansdowne House, Berkeley Square, Mayfair, London, W1J 6ER
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