Investment Properties with Mortgages

Our investment properties can be purchased with Buy-to-let Investment Mortgages. Most mortgage lenders have minimum loan criteria and thus mortgages are only available for property type H5 or larger. Such investment mortgages are not regulated and are different to consumer mortgages. Currently our deals are only available to investors meeting the criteria below.

UK Resident
Salary over £25,000
Savings of £30,000
Good credit rating

Watch Mortgage Video First

Please watch this video in FULL before you apply for further information. Also watch the main property video at top of the home page of our website. This mortgage video is divided into two sections

Section 1 – 8 Facts about buy-to-let mortgages -30 minutes

Section 2 – 8 steps in the buying process -15 Minutes

Mortgage Ready Properties

These four main category of houses, Types H5, H6, H7 and H8, are available on mortgages. There may also be sub categories within each type available at time of selection (and on these the pricing may be slightly lower or higher than shown).

All houses shown here are fully renovated & guaranteed and come with the net guaranteed rent system. The Forecast Deposit payments include ALL costs, including solicitors, mortgage broker, valuation, insurance etc.

The prices for the properties are same as for cash purchases shown on the home page. In order to make it easy for clients to budget, we have indicated the Forecast Deposit needed for each type of house. This forecast deposit includes all costs.Our policy is to advise on slightly smaller loans to keep mortgage risks and payments lower.

House Types

H5 to H8 houses. See home page for further details on the properties and latest cash prices. We sell investment properties only – not for own use.

Locations

We are managing over 2,500 such houses and all are located in 28 towns in the North. All are North of Manchester and North of Leeds. Prices here are lower and rental yield and potential growth higher. We do NOT sell anywhere else.

Ideal for Passive Investors

-Total investment package – not just a property
-All properties fully renovated, compliant & rented out.
-Long-term guarantees on property
-Full repairs and maintenance at our cost
-Re-renovations at each tenant change – our cost
-Net guaranteed rent system @ 6% of property price
-Property fully maintained and managed at no extra cost to buyer.

8 Steps in Purchase Process

The 8 steps are explained in detail in section 2 of the mortgage video. The process we follow is very structured and different to buying in the open market. It flows smoothly, is faster and with full money back guarantees. Please watch the video in full before contacting us.

Step 1. Zoom meeting with consultant
Step 2. Provide ID & Mortgage information
Step 3. Make Reservation, pay £3,000
Step 4. Mortgage application in principle Also attest passport & address ID.
Step 5. Select specific property
Step 6. Final application & inspection
Step 7. Finalize deal & instruct solicitors
Step 8. Purchase completion by solicitors

Click to complete enquiry form below. Specify mortgage needs in “other requirements”

CLICK & COMPLETE ENQUIRY

Initial Agreement and Pricing

All clients make a reservation for H5 type of house but this can be upgraded to H6, H7 or H8 at time of property selection depending on their wishes. For typical H5 purchase the client pays £3,000 at reservation and £27,000 final payment. Total forecast cash cost to client £30,000 including ALL costs.

Mortgage Guarantee

If the mortgage is not approved or if the actual deposit payment is more than £3,000 than the forecast deposit payment due to a lower loan (which has the benefit of a lower mortgage payment), then the investor has option to cancel the purchase and obtain a full refund of reservation payment. The loan amount may vary depending on the lender and circumstances and thus the actual deposit payment could be a little more

Get Free Advice from Senior Property Specialists

Get free advice on your needs from an experienced property specialist. Simply click here and complete the email and enquiry form and ask your sales consultant to arrange a video meeting with one of our senior staff. You will be able to see them and ask all questions directly.

CLICK & COMPLETE ENQUIRY >>

They will listen to you to understand your current and long term needs. They will answer all of your questions in full, and just give you the most appropriate advice – they will not try to sell to you. It is best to watch the Main Video first before the meeting.

Low cost property prices are now rising in the UK.

Prices for low cost properties away from London (under £100,000)– traditionally the best for rental yields fell from 2007 to 2010 due to worldwide financial crisis. These are now rising in line with economic recovery. Historically, on average, property prices have doubled in value every 10 to 11 years for the past 60 years. Whilst no-one can predict the future, our expectation is that the previous trend will continue and prices are expected to more than double in the next 10 to 11 years.

“We wanted a hands off investment knowing that everything was being taken care of.”
Click for full Testimonials

North East is now the best area for Investment Property

Gross Rental Yield is the total annual rent divided by the value of the property expressed as a percentage. Example – If you buy a property for £100,000 and get £8,000 rent per year. Then the gross rental yield is 8%. The map below shows the gross rental yields % on houses in different areas of the UK. Gross Rental Yield varies greatly depending on rental demand and property pricing in each area. You can see that the North East (and alos North West) of England deliver the best gross rental yields as property prices are still very low. We specialise in 28 areas in the North. Majority are in the North East located in towns north of Leeds – such as Middlesbrough, Stockton, Darlington, Hartlepool, Teesside, Durham County (TS, DL and DH post codes). We also have Type H2L, H3L, H4L and H5L houses in the North West, mainly in the Lancashire towns north of Manchester, and prices on these are £8,000 to £10,000 higher than the prices shown. (rents on these are also correspondingly higher).

Click here for update on the UK Property Market

“I have recommended Find UK Property to a number of friends – two of whom have purchased”

Click for full Testimonials

Brexit has had no significant effects on property market.

Brexit has not had any major effect on property prices. The uncertainty surrounding Brexit had somewhat slowed down the market in and near London, which is more dependent on the links with Europe. Investors have been switching to lower cost property away from London. Thus prices of lower cost houses away from London are expected to do well and we are already seeing this

Click here for full details

“Last year I purchased another property and now I will be buying my third property”
Click for full Testimonials

Houses are better than leasehold apartments and student pods for long term investment

Full houses are better for long term investment as most apartments and student pods tend to be leasehold and do not grow in capital value over the long term. Student pods, hotel rooms, rooms in residential homes, and serviced apartments are difficult to resell as they can only be resold to another investor. See Section 1 of the Main Video for full explanation.

Click here for details of investment to avoid

“I am very happy and wish I had bought properties from Find UK Property many years ago.”

Click for full Testimonials

Our customers are from all over the World

Around half of our clients are UK nationals living abroad (expats).Others are busy professionals from London and the South or are overseas nationals from all over the world including USA, Europe, Australia, Middle East, China, Africa, Canada, India and South Asia. Please click the brochure link or complete the Contact Us page for further information.

Contact Us for more info

“2 years later, I purchased another property and am hoping to buy one more next year.”
Click for full Testimonials

We follow the TSI Approved Code

The Trading Standards Institute has approved the code of practice we follow, which is run by The Property Ombudsman. Where a business displays this logo, 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.

Contact Us for more info

“I had no concerns as company was recommended by my friend, a longstanding happy customer”

Click for full Testimonials

Find UK Property are the UK’s Leading Specialists for Overseas Buyers

Many overseas buyers have links with the UK and wish to invest in the UK for a wide range of reasons (pure investment for income and growth, holiday use, university accommodation for their children. Long term security of assets, future pure own use for retirement, or simply to give themselves options for the future.) Almost in all cases it is best to acquire one or more pure investment properties that grow in value, give good income now and offer flexible options for the future.

Contact Us for more info
Leave your own property rented out all of the time and keep the rental income in the UK and use this rental income to pay for your holidays, children’s studies or rented accommodation for your own use. The investment property can then be purchased for the best yields, price and investment returns – and not necessarily in areas you need to live in (which are often near London or the South).

Click here for full details>

“I was very happy with the purchase. All the staff have been very helpful and I have not had any issues.”

Click for full Testimonials