Cashflow is simply defined as regular income. Positive cashflow is when income exceeds expenditure and you make a profit. So that’s important right?
Of course it’s important, but are you in complete control of your cashflow position?’ might be a better question. The truth is there are some things you can’t control. You can’t choose what interest rates will be for example. You may also get caught out with unexpected repairs, problem tenants and rental voids. Continue reading What’s more important, cashflow or liquidity? Mark Alexander reports
The first house price statistics for September have hit the streets – showing average prices have notched up just a superficial 0.1%.
The figures from the Nationwide also show the three-month house price trend has slipped in to negative equity for the first time since May 2009 – down a modest 0.9%. Continue reading House prices notch up 0.1% gain in September according to Nationwide
In this article I look at the differences between owning property as joint tenants, tenants in common or as individuals. I also explain why portfolio landlords who are married couples should own half the properties each in single names and how to deal with property ownership which is not structured for optimal tax purposes right now. Continue reading Is your property portfolio ownership structure optimised to enable you to pay the minimum amount of CGT, income tax and IHT?
Mark Alexander explains why, even though rates at these levels are extremely unlikely, high interest rates due to high inflation over a sustained period could actually be extremely good news for landlords who follow The Money Centre strategy of combining liquidity and high gearing. Continue reading Are 8% interest rates scaremongering?
We’ve been reviewing our client’s property portfolio’s now for 20 years and making recommendations that have transformed many of our clients to millionaire status. However, we’ve now developed a way to enable us to help far more clients in the future. Continue reading The Money Centre’s Portfolio Review Platinum Package is proving to be very popular as a tool to reduce Inheritance Tax for UK resident landlords with 10 or more properties or net worth of over £500,000
Buy to let mortgage advice
Many investors have become cashflow beneficiaries of the ‘Credit Crunch’ due to the lowest interest rates in history. A question I am often asked is, “Should I use the extra cashflow to reduce my mortgage balances?” I appreciate that one day interest rates will go back up again and the base logic for what I consider to be the incorrect decision to repay debt now is to reduce payments in the future. Continue reading What you shouldn’t do – buy to let mortgage advice