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UK Investment Properties Contents

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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 of Property – Terraced House ............ 9

Rental Yield ................................................ 9

Full Property Management with Repairs .... 9

Continued Ongoing Management .............. 9

Cost Free Repairs ....................................... 9

Category 1 - Full Ownership ....................... 9

Purchase Costs & Stamp Duty .................. 10

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

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

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

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

Insurance Fee ........................................... 10

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

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

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

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

Offer 2A: Standard 2-Bed Houses -£54,995 ..... 12

Offer 2B: 2-Bed Large Houses - £59,995 .......... 13

Offer 3C: Large 3-Bed Houses - £69,995 .......... 14

Offer S3: 3-Bed Semi Detached Houses - £129,995

..................................................................... 15

More on Investment Properties ..................... 16

Why are these Properties the Best for

Investment? ............................................. 16

Holiday Use .............................................. 16

Future Own Use ........................................ 16

Use By Children as University

Accommodation ....................................... 17

Mortgages ................................................ 17

Residency in the UK .................................. 17

Brexit – Demand Has Increased ................ 17

Residency in the UK .................................. 17

House are Better than Apartments for Long

Term Investment ...................................... 17

Property in London ................................... 18

UK Property Prices .................................... 18

3 Year Investment Summary .......................... 19

Investments to Avoid .................................... 20

Beware of Student Room Investments ...... 20

Hotel Rooms, Care Homes, Car Parks &

Storage Pod Investments .......................... 20

‘Under-Construction’, Off-plan apartments or

Virtual Property ........................................ 20

UK Property Market ...................................... 21

Investment Property .................................... 21

Comparison of Investment Property in 3

Areas ........................................................ 21

UK Property Buying Process ........................... 23

Buying Investment Property ......................... 23

Buying Own Use Property ............................. 24

Case Studies .................................................. 25

Format of Case Studies ................................. 25

Questions & Answers .................................... 54

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 Page 30

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

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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

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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

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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.

UK Investment Properties Investment Property

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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% 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 £55,000 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


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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 of Property – 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.

Rental Yield

We offer the Guaranteed Rent System as

standard. For these properties the Guaranteed

Rent is 7% of property contract price per year.

Actual rent is higher at around 8% of property

price but most clients select Guaranteed Rent as

this provides certainty of income. Under this

system we also cover the costs of repairs and

ongoing maintenance of the properties. After all

deductions including deductions of management

fee (10% of rent) the guaranteed net rent going

into your bank account will be about 6.2% of

property price/year.

Full Property Management with

Repairs

Unlike other property agents, our Full Property

Management under the Guaranteed Rent System

includes costs of repairs and plumbing issues

which are thus not charged to the owner. Our

management fee is 10% of the Guaranteed Rent.

Continued Ongoing Management

Management and Guaranteed Rent is initially for a

minimum period of 2 years. Unless otherwise

agreed the property management will continue

under the Guaranteed Rent terms. After the

minimum 2-year period, it can be terminated by

the Buyer with 6 months’ notice to us. We have

not changed our Guaranteed Rent rate from 7%

for past 8 years. There are no plans to change this,

although we do reserve the right to change it.

Owners are free to use another agent after the

minimum 2 years if they so wish (with 6 months’

notice). However, we provide a very good ongoing

service and clients continue to use our services.

Cost Free Repairs

Properties are renovated to a standard to ensure

that no significant repairs will be likely in the next

5 years. We guarantee the costs of any repairs in

the first 2 years in the contract (we do not expect

any, but this gives our customers peace of mind

when buying the property).

Category 1 - Full Ownership

All houses are category 1 ownership. This means

freehold or 999 years (almost 1,000 years

leasehold). 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


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properties that are 99 years or 125 years

leasehold). Most of the houses in North West of

UK are leasehold for 999 years with nominal (less

than £1 per year) ground rent.

Purchase Costs & Stamp Duty

The purchase costs are negotiated and fixed at

£795 or £995 depending on Property Size. and

include solicitor costs, local searches, 12 month’s

insurance and land registry fees.

3% Stamp Duty

The buyer is responsible for paying 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 inc Stamp Duty & Purchase costs -

£62,590.

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. Discuss and Provide ID Information

2. Review and Sign Agreement

3. Make 10% payment plus the purchase. 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 provide a comprehensive service and guide

you through all of the processes to make this easy

for you.

Registration as Non-Resident Landlord (NLR)

After completion, we guide you through the

online process to Register with HMRC to obtain a

NRL Reference Number (if needed) so that your

rental income is paid without tax deduction.

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 foreign buyers and expats.

Currently this is £11,850 per person per year (A

couple thus have £22,700). Thus, any rental

income below this level would be tax free. The

allowance is gradually increasing to £12,500 in the

next 4 years. So eventually a couple could have up

to £25,000 of tax free rental income in the UK

every year. This is sufficient for about 6 or 7 low

cost investment properties and this system makes

the UK one of the best countries for long term

investment for clients living overseas.

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 - or give you guidance to do it

yourself directly with HMRC.

Insurance Fee

The 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 Type 2A house is

negotiated to only about £95 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 add the fee to your

statement and take it from your rent each year.

For the larger properties it is slightly higher.

There are no other ongoing costs for clients. All

utilities and any council/community tax are paid

by tenant (or by our company if property is

empty). All repairs and property maintenance are

our responsibility.


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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

� Offer A: Standard 2-Bed House £54,995. This is

the best to purchase if you are not sure. Very

good rental demand.

� Offer B: Larger 2-Bed House £59,995.

� Offer C: 3-Bed House £69,995.

We do have other types of properties in the price

range £50,000 to £70,000 that are not shown

here.

Offer Sheets

When purchasing such a property, you will be

guaranteed a minimum spec and standard so that

you can confidently make a reservation of such a

3-Bed Type S3 property. 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.

Reservation gives you priority and about 5 weeks

after reservation, you can select and agree the

specific property prior to your second (90%)

payment and this will then be transferred to you

as per the terms in the Reservation Agreement.

All recommended specific properties will be as

per the details, floor plan, pricing, and rental

shown in the following sheets. All Fees and Costs

are also shown here.

See details on following pages

UK Investment Properties Offer 2A: Standard 2-Bed Houses -£54,995

Page12

Offer 2A: Standard 2-

Bed Houses -£54,995 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.

Rental Yield We offer the Guaranteed Rent System as standard.

For these properties the Guaranteed Rent is 7% of

property contract price per year (£3,850 per year).

Actual rent is higher at around 8% of property price

but most clients select Guaranteed Rent as this

provides certainty of income.

Property Sizes for Type 2A Property sizes vary a little and approximate sizes of

rooms is shown for average Type 2A house below.

-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 and fixed at £795

and include solicitor costs, local searches, 12 month’s

insurance and land registry fees. The buyer is

responsible for paying the 3% stamp duty fee. If you do

not own another residential property (anywhere in the

world) you can get exemption. The fee on this type of

property would be £1,650. Total Cost inc Stamp Duty

& Purchase costs - £57,440

Cost Free Repairs & Full Management Properties are renovated well to ensure that no

significant repairs will be likely in the next 5 years. We

guarantee the costs of any repairs in the first 2 years in

the contract (we do not expect any, but this gives our

customers peace of mind). Our management fee is

10% of the Guaranteed Rent and unlike other property

agents, includes costs of repairs and plumbing issues

which are thus not charged to the owner.

Continued Ongoing Management Management and Guaranteed Rent is initially for a

minimum period of 2 years. Unless otherwise agreed

the property management will continue after the first

2 years under the Guaranteed Rent terms. After the

minimum 2-year period, it can be terminated by the

Buyer with 6 months’ notice. We have not changed our

Guaranteed Rent rate from 7% for past 8 years. There

are no plans to change this, although we do reserve

the right to change it.

Payments

Reservation Payment (after agreements signed): 10%

of property price plus the purchase costs. Total

amount - £6,295. These funds remain in the Client

Account until property transfer.

Final Payment: 90% plus any 3% stamp duty. Total

amount- £51,145 at Purchase Completion. This can be

made in instalments if needed. There can be a gap of

up to 6 months between Reservation and Final

payment if requested by Buyer (-normally 1 to 2

months). Guaranteed Rent starts 30 days after

payment is complete and is paid at end of each

calendar quarter.

BEST

BUY

UK Investment Properties Offer 2B: 2-Bed Large Houses - £59,995

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Offer 2B: 2-Bed Large

Houses - £59,995 House Layout These are larger terraced 2-bedroom houses. Three

rooms downstairs (Lounge and Lounge 2/Dining Room

and separate kitchen with rear yard and two bedrooms

upstairs plus 3-piece bathroom.

Rental Yield We offer the Guaranteed Rent System as standard. For

these properties the Guaranteed Rent is 7% of property

contract price per year (£4,200 per year). Actual rent is

higher at around 8% of property price but clients select

Guaranteed Rent as this provides certainty of income.

Property Sizes for Type 2B Property sizes vary a little and approximate sizes of

rooms is shown for average Type 2B house below.

-Lounge 1 – 14ft by 13ft. (4.3m by 4m)


-Kitchen – 8ft by 6ft. (2.5m by 1.9m)


-Bedroom 2 – 11ft by 8ft. (3.4m by 2.5m)





























Payments










months). Guaranteed Rent starts 30 days after

payment is complete and is paid at end of each

calendar quarter.

UK Investment Properties Offer 3C: Large 3-Bed Houses - £69,995

Page14

Offer 3C: Large 3-Bed

Houses - £69,995 House Layout Three rooms downstairs (Lounge and Lounge 2/Dining

Room and separate kitchen with rear yard and three

bedrooms upstairs plus 3-piece bathroom.


For these properties the Guaranteed Rent is 7% of




provides certainty of income.

Property Sizes for Type 3C Property sizes vary a little and approximate sizes of

rooms is shown for average Type 3C house below.

-Front Private Area/Garden – not always present.



-Kitchen – 8ft by 6ft. (2.5m by 1.9m)























Continued Ongoing Management

Management and Guaranteed Rent is initially for a









Payments










months).

Guaranteed Rent starts 30 days after payment is

complete and is paid at end of each calendar quarter.

UK Investment Properties Offer S3: 3-Bed Semi Detached Houses - £129,995

Page15

Offer S3: 3-Bed Semi

Detached Houses -

£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.


For these properties the Guaranteed Rent is lower

than for terraced houses. As prices get higher the

rental yields % falls. We offer guaranteed rent of 5% of




provides certainty of income. Under this system we

also cover the costs of repairs and ongoing

maintenance of the properties. After all deductions

including deductions of management fee (10% of rent)

the guaranteed net rent going into your bank account

will be about 4.5% of property price/year.

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.






-Car parking: normally your own private driveway plus

free parking on the street

Purchase Costs and Stamp Duty The purchase costs are negotiated and fixed at £1,200



responsible for paying the stamp duty fee. If you do


world) you can get exemption and pay a lower fee. The

amount of fee on this type of property would be

£4,000. Total Cost inc Stamp Duty & Purchase costs -

£135,195



UK Investment Properties More on Investment Properties

Page16












Buyer with 6 months’ notice.

Payments










months).

Guaranteed Rent starts 30 days after payment is

complete and is paid at end of each calendar quarter.

More on Investment

Properties

Why are these Properties the

Best for Investment?

Here are just some of the reasons 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.

The chart on the next page shows that, on average,

properties were selling for £50,000 in the year

2000, after which the prices rose, fell and now are

expected to rise again.

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.


Page17

Use by Children as 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 for Long Term

Investment

Many of the apartments, especially new

apartments in cities come with NEW leases that


Page18

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.

Property in London

The London region contains the most prime

property in the UK with prices several times higher

than other regions of the UK for the same size of

property. Most of the Property in London is

terraced houses or apartments with relatively few

detached properties. Prices in London did not fall

and as a consequence are not expected to rise as

fast. London is also more likely to be affected by

Brexit whereas areas away from London are

expected to do well due to Brexit. In most cases

property outside of London can offer better value

with higher rental yields and most overseas

investors are no longer considering London area

as it does not represent good value now. 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 ow

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

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

Page19

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 £55,000 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 - £54,995

• 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 £22,770 over 3 years.

Bank/Savings Pension Fund Find UK

ISA/Shares 2-bed House

Initial Investment £54,995 £54,995 £54,995

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

Value of Investment after 3 YEARS £56,661 £60,094 £67,370

Guaranteed Net Income -3 YEARS £0 £0 £10,394

Total Return % 1.0% 3.0% 14.1%

Total Profit - 3 Years £1,666 £5,100 £22,770

Potential Loss compared with Property -£21,104 -£17,671

If you have £55,000 to invest, then compared with a Find UK Property, you would LOSE

OUT around £17,000 to £21,000 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

Page20

Investments to Avoid

Beware of Student Room

Investments

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.

UK Investment Properties UK Property Market

Page21

UK Property Market

Investment Property

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.

.

UK Investment Properties UK Property Market

Page22

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.

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 Large £59,995 £4,800 8.0%

2-Bed Terraced Standard £54,995 £4,420 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


4-Bed Detached £499,000 £16,000 3.2%



3-Bed Terraced £329,000 £12,300 3.7%



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


4-Bed Detached £399,000 £14,000 3.5%



3-Bed Terraced £299,000 £11,500 3.8%



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

£50,000 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”

UK Investment Properties UK Property Buying Process

Page23

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.

UK Investment Properties UK Property Buying Process

Page24

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 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. You can select to choose either the

Standard Management option (rent at around 8%

of property price) OR the Guaranteed Rent option

(rent at 7% of property price) at the beginning of

each year and can fix the Guaranteed Rent for 2

years on property purchase if you wish.

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 Guaranteed Rent option

even after the first 2 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.

UK Investment Properties Case Studies

Page25

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


Page26

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.”


Page27

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.”


Page28

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”


Page29

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”


Page30

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”


Page31

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”


Page32

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”


Page33

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.”


Page34

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.”


Page35

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."


Page36

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.”


Page37

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”


Page38

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."


Page39

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."


Page40

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.”


Page41


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."


“I also like the fact that they

always help and respond

quickly to any requests.”


Page42

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."


Page43

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.”


Page44

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.”


Page45

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.”


Page46

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."


Page47

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.”


Page48

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.”


Page49

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."


Page50

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.”


Page51

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.”


Page52

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

Page53

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- 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 specialise in, and are very good, at

helping overseas buyers for the long term, and our

group companies have offices overseas and

specialise 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?

UK Investment Properties Questions & Answers

Page55

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 licence, 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 £50,000.

Q- What are costs of purchase?

For the ‘best buy’ investment properties the costs

are low and fixed – the costs vary from £795 to

£995 depending on the property selected 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 2 years?

Yes. Most owners ask us to continue to manage

on their behalf under the 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

2 years.

Q- What are the on-going running costs of

investment properties?


Page56

You would need to keep the property insured and

there will be a management fee payable to us or

our partner company for managing the property

every year. This is normally 10% of the rent. We

try to maximize the rent. All Bills including Council

tax, & utility bills (gas, electric, water, telephone

line/internet, cable/satellite TV) are the

responsibility of the tenant.

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


Page57

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.


Page58

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 £11,850 per person per year - which means

that the first £11,850 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 £11,850 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,


Page59

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?


Page60

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 Guaranteed Rent?

The Guaranteed Rent means that you still receive

the rent if your property should become vacant or

if your tenant does not pay the rent. Property is

also maintained and repaired at no extra cost. The

guaranteed rent is normally paid at 7% of the

property price per year. The Standard

Management option gives you rental at

approximately 8% of the property price, but you

don’t get rent for any vacant periods if the tenant

leaves. 8% is a very good figure for the UK market.

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 guaranteed rent option

even after the first 2 years if you wish. Our clients

normally do this.

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 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


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management. It is a full “hands-off “service.

Guaranteed Rent is 7% of property price per

year. The management fee is 10% of the rent.

The net rent going you’re your bank account is

around 6.2% of property price per year –

guaranteed. There are no other significant

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

£11,000 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.


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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.