1. Property Investment Seminar
Witney Blanket Hall
Wednesday 12th October
2016

2. Property Update
Brendan Kay – Martin & Co
Funding Your Investment
Laura Lamb – The Mortgage Company
Maximising Your Returns
Darren Green – The M Group
Legal Update
Geoffrey Cotterill – Everyman Legal
Agenda

3. Property Update
Brendan Kay MARLA

4. An Agents View ~ What Does it all Mean?
 Buy to Let
 Regulated
 Non Regulated
 Let to Buy
 Holiday Lets
 Ltd Company BTL

5. 2016 ~ What on Earth Happened?
• SDLT
• Brexit
• Interest Rates
• Mortgage Relief

6. Looking Ahead ~ 2017 and Beyond
• Lower capital growth
• Low interest rates
• The "Article 50" effect – BRENTAL?
• Multi-generational living
• Parent landlords
• Increasingly onerous legislation
• Focus on PRS / sentiment

7. Sales Update
• Oxfordshire 32% above the
national average but West
Oxon below county average
• Still not building enough
(7% last 12 months)
• OX28 £301,788 average
price (last 12 months)
 Non Regulated
 Let to Buy
 Holiday Lets
 Ltd Company BTL
Witney flats up 29% on 12
months previously

8. Number of Properties For Sale
Falls across the board except
3-bed houses (+22%)

9. Rental Update
ONS
+2.6% England
+3.5% South-East

10. BTL Asset Class
• Average yield @ 4.8% p.a –
£9,600 p.a./ £48, 000 over 5 years
• Average Witney property +40% (Capital
appreciation £80,000)
• BTL Total = £328,000
• Savings @ 2.5 % £221,184 (interest reinvested)
Last 5 Years - £200,000

11. BTL – Be Smart
• Stay Local
• Rent Reviews
• Stay Competitive
• Know Your Market
• Balanced Portfolio?
• Re-mortgage

12. Stay Current
Aug 19th - No drop off in instruction level (RSPA)
Aug 25th - Rents grew 2.4% in year to July (ONS)
Aug 31st - Number of properties to let up (ARLA)
Sept 1st - House prices up 5.6% (Nationwide)
Oct 4th - BTL activity down 58% (BBC)

13. And Finally……
'Property is better bet' than a
pension says Bank of England
economist, Andy Haldane.
“As long as we continue not to
build anything like as many
houses in this country as we need
to ... we will see what we’ve had
for the better part of a
generation, which is house prices
relentlessly heading north.”

14.  Buy to Let
 Regulated
 Non Regulated
 Let to Buy
 Holiday Lets
 Ltd Company BTL