Frequently Asked Questions

We've been investing in property since 2003 so have heard most, but I'm sure not all, of the questions in the field.


To help you on your way to Property Success, we've answered some of the most common queries that we come across here:

Ask Us Anything

Should I purchase in my own name or set up a limited company?

If you have a question pop it in here and we'll be in touch

What kind of mortgage should I get?

Like tax, your mortgage options depend on your circumstances, whether you’re investing as an individual or company and even the property itself. Have a look at our Property Finance section to see some options and guidelines. We can also connect you with our lending experts.

What is a ‘good’ rental yield?

The key question is what is your money yielding right now? Our average yield is 7.4% and we guarantee to find you a property that yields at a minimum of 6%.

What about tax?

As with all tax questions, the answer depends on your own personal circumstances. See our Property Tax article here for a full summary of the relevant taxation areas.

What does the term “Yield“ mean?

Yield often gets used for different areas but typically, this is the return you get each year versus the amount you invested. Eg. £800pm rent on £120,000 investment is a yield of 8%.

What insurances should I have?

You have two elements to cover: 1. The Building; 2. The contents you own within that building. In our area of expertise, Glasgow, most apartments and flats have building insurance provided by the Factor (Building Management company). You could also consider rent guarantee insurance or, indeed, select a Letting Agency which provides this for you.

If you have any questions which we haven’t covered here then let us know by completing the form and a member of our investment team will be in touch.

Succinctly, if you’re planning on one or two properties, buy in your own name. Building a portfolio of 3 or more? Incorporate.

Is taking a Limited company mortgage more expensive?

In general, limited mortgages are more expensive than personal equivalents – yes. Currently there is much less choice on the Ltd company side, but more products are coming to market these days. In the end it comes down to numbers. Try out our calculators here to see how company mortgage rates compare to personal, when balanced with tax costs.

Most buy to let mortgages are interest only, which means your monthly repayments just cover the interest owed and the amount you borrowed will not go down.

Yield often gets used for different areas but typically, this is the return you get each year versus the amount you invested. Eg. £800pm rent on £120,000 investment is a yield of 8%.No-one can predict the future so be wary of companies which guarantee Capital Growth. However, you can use stats to forecast potential growth. Glasgow property currently grows at an average pf 5% per annum. Out clients’ properties have grown by an average of 9% pa since they first invested with us.

Interest only or repayment mortgage?

What should I expect in terms of growth?

Non-payment of rent within our investment recommendations is thankfully rare. However, a tenant has to be in multiple arrears before any eviction order can be applied for so you need to ensure any lendings are covered within this period. Alternatively, you could consider a landlord insurance policy with rent guarantees (See above Q on Insurance).

What if the tenant doesn’t pay their rent?

Capital Growth is how much your property value has increased by since you bought it.

What is Capital Growth?

What is an Additional Dwelling Supplement?

Introduced on 1 April 2016 and adjusted in 2019, a 4% levy is due in tax on the purchase of additional dwellings in Scotland, such as buy-to-let properties and second homes.

Is it tougher to get a company mortgage?

In short, no. It’s no different to a personal buy to let mortgage in general underwriting terms. The strength of the application comes from the directors and majority shareholders themselves, rather than the Ltd company itself.

How do I ensure I’m compliant with all property and rental legislation?

Our clients tend to target a passive income from their investments. With that in mind, and in light of ever increasing legislation, we always recommend that you use a verified and registered Letting Agency to manage your properties.

WHAT’S MOST IMPORTANT TO YOU AS AN INVESTOR?

Confidence

Our wealth of experience in Scotland’s property market gives you the confidence that comes with making effective investments and the impressive returns they provide.

We all have busy lives and our sole focus on your behalf ensures we identify the right investment for you in a shorter space of time – allowing you to enjoy your precious free time.

Focused

We remove the confusion and complexity that can often be associated with property investment, providing you with a hassle free solution throughout

Hassle Free

Our intimate knowledge of the thriving Glasgow market means we know exactly where to invest, and crucially where to avoid, providing you with the peace of mind that a high performing investment brings.

Peace of Mind

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Trusted

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“Fantastic service! Would recommend to anyone interested in starting out or expanding their property portfolio. Martin and the team were very thorough to find a property which ticked all my boxes! Their expertise and guidance has been crucial to securing my second rental property. Thank you!”

Lisa

Lancashire, England

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