At Find UK Property, we know that investing in property—especially from overseas—can feel complex. So we invited you across our social platforms @Findukproperty to ask your questions to our Property Sales Team leader Josh in a series we’re calling Ask Josh. 

1. “Where are your properties, and why don’t you invest down south?”

— Asked by Sarah in Newcastle and Ahmed from Riyadh

Josh:
Good question, and one I and the team get a lot. We focus on over 28 locations across the North East and North West—places like Middlesbrough, Hartlepool, Durham, Blackburn, Burnley and Accrington.

Why there? Simply put, property prices are lower,  rental yields are higher, and the potential for capital growth is strong. Down south—say in London or Surrey—you’d be paying more for a property that gives you less income in return. We’re here to make sure your investment actually works for you.

2. “Can I get a mortgage through you? What if I can’t pay the full amount right now?”

— Asked by Layla in Jeddah

Josh:
We don’t offer mortgages—and that’s very much by design. We specialise in cash purchases because they’re straightforward: no interest, no hidden bank charges, no stress. You own the property outright from day one.

That said, if you don’t have the full amount right away, we offer a 2-step entry plan. You can start with a temporary home around £40,000, and build up rental discounts that help you upgrade to your final property later on. It’s a really helpful route for those easing into UK property—especially if you’re building up capital gradually.

3. “Are you fully regulated?”

— Asked by Zain in Birmingham

Josh:
Yes, absolutely. We’re fully regulated and have been for 16 years, you can see the full accreditations on our website www.findukproperty.com. We ensure that every single client is legally registered with the UK Land Registry. When you buy with us, you become the official legal owner. It’s all above board, contractually protected, and professionally handled.

4. “Are there any hidden fees?”

— Asked by Aisha in Dammam

Josh:
No hidden fees—none. I’m always very clear on this.

Apart from the property cost, the only initial fee is £999 for legal and admin work. That covers your legal registration with the UK Land Registry. After that, if stamp duty applies (based on other properties you own or if you’re living overseas) we’ll tell you upfront.

From the second year, there’s building insurance, which we can arrange for you—between £95 and £135 per year, depending on the property. But you’ll never get a surprise bill for maintenance or repairs. That’s all covered by us, and it’s spelled out clearly in your contract. No guesswork.

5. “What happens when the guaranteed 5-year rent ends?”

— Asked by John in Manchester

Josh:
Great question, John. During the first five years, your 7% rental income is fixed and guaranteed, no matter what.

After that, you still get 7% guaranteed, but each year we review average market rent inflation. If the market rent goes up—and it usually does—you’ll see an increase. So over time, your returns grow, and you’re not left behind by the market.

6. “If I get 7% rent, where does the rest of the tenant’s rent go?”

— Asked by Khalid in Riyadh

Josh:
We usually collect 8–10% from tenants. That extra 1–3% covers everything we do: maintenance, management, admin, and keeping the whole system running smoothly. We also need to earn a small profit as a business.

But here’s the key thing: you’ll never be billed separately for fixing a leak, chasing tenants, or handling legal issues. It’s all covered. And it’s all explained right at the start.

7. “I live abroad—can I legally buy a UK property? And does it help with getting a visa?”

— Asked by Rania in Jeddah

Josh:
Yes, anyone can legally buy property in the UK—no matter your nationality. As long as your bank allows you to transfer money, we can register you with the UK Land Registry as the legal owner.

As for visas—owning a property here doesn’t automatically give you UK residency. It won’t get you a visa by itself. But, it can help you demonstrate ties to the UK if you’re applying for a visitor visa, for example. I’d always recommend checking the official UK Government website to see the latest rules.

8. “I’m an overseas investor—what’s my UK tax situation?”

— Asked by Faisal in Al Khobar

Josh:
If your total UK income is under £12,570 per year, you don’t pay any UK income tax. That’s the current personal allowance.

So, if you’re just earning from one rental property, chances are you won’t pay tax at all—making this a very tax-efficient investment for overseas clients. If you go over that limit, the standard 20% tax rate would apply.

9. “What are my options if I want to sell?”

— Asked by Emily in Glasgow

Josh:
You can sell the property any time—because you’re the legal owner.

We ask that you keep the property for at least 3 years, which is our standard rental contract period. After that, you can either:

• Sell the property back to us we would offer you a quote based on market value at the time, or
• Sell it on the open market yourself.

If you really need to sell earlier, we’ll support you—but generally speaking, you’ll get better returns by holding on for the full 3 years or more.

Why is property better than the stock market?

— Asked by Yasmin in London and Abdullah from Riyadh

Josh:
I get this comparison a lot, and I always say—it depends on what kind of investor you are. But here’s why so many of our clients choose property over stocks.

Property is a tangible asset—something you can see, touch, and legally own outright. It’s not a line on a screen that can vanish overnight.

Historically, UK property has been much more stable than the stock market. It doesn’t have those wild swings. Stocks can drop 20% in a day. A house in Blackburn won’t suddenly lose a fifth of its value overnight.

And there’s one big truth: people will always need homes. That constant demand gives property a solid foundation, especially in affordable areas where rental demand is strong.

Property also helps diversify your investments. It spreads risk across different asset types—and if you’re after a more predictable, long-term income, it’s hard to beat bricks and mortar.

10. “Why should I go through you when I could just buy and rent a property myself?”

— Asked by Peter in London

Josh:
Honestly? You could go solo—but I’ve seen how that turns out for most people.

Managing tenants, chasing rent, handling repairs, dealing with legal issues—it adds up quickly. And if your tenant stops paying or causes damage, you’re the one on the hook.

With us, your 7% is contractually guaranteed. We take care of everything—so you don’t have to worry. Our service is ideal for investors who want stable, passive income without the stress.

In the long run, most of our clients actually earn more with us than if they did it alone—without the risk and hassle.

Final Word from Josh:

If your savings aren’t doing much and you’re curious about property investment—but you don’t know where to begin—we’re here to help. Whether you’re 28 like Samir in Riyadh or 68 like Margaret in York, we’ll guide you through it. No jargon. No pressure. Just a solid plan to grow your money.