macq
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Post by macq on Sept 14, 2018 7:20:54 GMT
Not sure i would call them simple or even safer then property crowdfunding (that's me covered  ) but you can find funds investing in pretty much anything from student property,health,commercial etc but worth reading up and looking at things like F&C,Picton,Std Life investment trusts before perhaps looking at more specialised REIT maybe But they are an equity play so you may end up back looking at PP etc thanks macq. I suppose so... PP etc v equity, equally long term, but seems more possibility of loss when equity. Is that what you mean? I've got a tiny amount in a REIT and a health property similar thing. It will take too long to find out stability before I put more in, etc. With all the doom & gloom today about property you may have changed your mind! But thinking about it Bricklane REIT could be worth you looking at as residential but i don't know much about it beyond that (may be harder to trade?)
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hazellend
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Post by hazellend on Sept 14, 2018 8:04:00 GMT
There is no residential BTL REIT that I’m aware of. There was one that listed on the stock market but wound down quite quickly. I think PP have considered going down the REIT rpure. PM have basically forced their investors into a very ugly, unlisted REIT I know what you mean and completely agree, however (just teasing) your first and last sentences contradict each other. Heh but it’s not happened yet
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Mike
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Post by Mike on Sept 14, 2018 9:35:15 GMT
PM puts me off because tax is now not later. Crowd2Let has a more tax efficient structure I believe (especially if property prices fall); but for some reason very little online forum discussion here or elsewhere that I can find. The main difference is that the property is bought by an SPV that shareholders loan cash to, then gets renovated, and rent is paid to investors in the form of partial loan repayments -- meaning the only tax liability should be CGT at the end of the day and the relevant capital gain would be your total net return over the investment period.
The fees involved are non-negligible; and the property is all in the cheepcheep Sunderland area where house prices have not been booming.. As a source of income it is, in my experience, reasonable - although the proof of the pudding will be in the selling of the houses which (I don't think?) has happened yet.
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zlb
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Post by zlb on Sept 14, 2018 10:15:11 GMT
This is a bit ott?? www.cityam.com/263044/bank-england-boss-mark-carney-warns-house-prices-could-fallIt's my view that there are so many people waiting for dips in housing prices, that with every dip there will be crowds bidding for the property, and so on. But I'm in south east, the land where ordinary salaries are more like pocket money in the context of property prices. Quantity of people in debt/payday loan users, and their house ownership status. Does Carney scare monger(motivation to do so?), or does he use this kind of stat? Why will mortgage interest rates rise? |
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littleoldlady
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Post by littleoldlady on Sept 14, 2018 14:00:34 GMT
This is a bit ott?? www.cityam.com/263044/bank-england-boss-mark-carney-warns-house-prices-could-fallIt's my view that there are so many people waiting for dips in housing prices, that with every dip there will be crowds bidding for the property, and so on. But I'm in south east, the land where ordinary salaries are more like pocket money in the context of property prices. Quantity of people in debt/payday loan users, and their house ownership status. Does Carney scare monger(motivation to do so?), or does he use this kind of stat? Why will mortgage interest rates rise? He said it was a "worst case scenario" knowing that the figure would get a lot of publicity. He is an ardent remainer and proponent of "Project Fear". In actual fact in a "worst case" scenario house prices would fall 100% because we would all be dead. But you can easily produce any figure you want by making the appropriate assumptions.
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IFISAcava
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Post by IFISAcava on Sept 14, 2018 14:11:47 GMT
This is a bit ott?? www.cityam.com/263044/bank-england-boss-mark-carney-warns-house-prices-could-fallIt's my view that there are so many people waiting for dips in housing prices, that with every dip there will be crowds bidding for the property, and so on. But I'm in south east, the land where ordinary salaries are more like pocket money in the context of property prices. Quantity of people in debt/payday loan users, and their house ownership status. Does Carney scare monger(motivation to do so?), or does he use this kind of stat? Why will mortgage interest rates rise? He said it was a "worst case scenario" knowing that the figure would get a lot of publicity. He is an ardent remainer and proponent of "Project Fear". In actual fact in a "worst case" scenario house prices would fall 100% because we would all be dead. But you can easily produce any figure you want by making the appropriate assumptions. you can also observe how much less your money buys overseas and how much inflation was imported once "Project Fear" started to become "Project Reality" to realise he ain't making it up. His CV is rather more impressive than the part-time journalists and serial ministerial failures that make up most of the ardent leavers in the cabinet.
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Post by dan1 on Sept 14, 2018 14:29:55 GMT
I'll most likely get told to keep quiet but, please can we not turn this into a debate on Brexit  If it gets out of hand then I'll weigh in with my own thoughts and no doubt you've had more than enough of me by now! |
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Sept 14, 2018 14:41:14 GMT
He said it was a "worst case scenario" knowing that the figure would get a lot of publicity. He is an ardent remainer and proponent of "Project Fear". In actual fact in a "worst case" scenario house prices would fall 100% because we would all be dead. But you can easily produce any figure you want by making the appropriate assumptions. you can also observe how much less your money buys overseas and how much inflation was imported once "Project Fear" started to become "Project Reality" to realise he ain't making it up. His CV is rather more impressive than the part-time journalists and serial ministerial failures that make up most of the ardent leavers in the cabinet. Yep, £ worth about 4c less against Euro (3%) than when he started in 2013, dollar considerably less (-14%) but then the US economy is performing better than EU/UK (EU-$ -11%).
Theyre predictions and as those remainer economists from Cambridge showed when they discredited the Treasury 'Project Fear' numbers if your assumptions are biased/wrong your predictions will be nonsense.
Stopped paying attention now as everyone just contradicts one another & they are probably all wrong
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IFISAcava
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Post by IFISAcava on Sept 14, 2018 14:56:23 GMT
you can also observe how much less your money buys overseas and how much inflation was imported once "Project Fear" started to become "Project Reality" to realise he ain't making it up. His CV is rather more impressive than the part-time journalists and serial ministerial failures that make up most of the ardent leavers in the cabinet. Yep, £ worth about 4c less against Euro (3%) than when he started in 2013, dollar considerably less (-14%) but then the US economy is performing better than EU/UK (EU-$ -11%).
Theyre predictions and as those remainer economists from Cambridge showed when they discredited the Treasury 'Project Fear' numbers if your assumptions are biased/wrong your predictions will be nonsense.
Stopped paying attention now as everyone just contradicts one another & they are probably all wrong
Like climate change, false equivalences leave people thinking the evidence is mixed and contradictory, when it all points one way bar the fringes.
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IFISAcava
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Post by IFISAcava on Sept 14, 2018 15:00:41 GMT
Was just responding to the provoking comments on the Governor of the BoE, but very happy to defer from further comment.
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ceejay
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Post by ceejay on Sept 14, 2018 16:44:15 GMT
This is a bit ott?? www.cityam.com/263044/bank-england-boss-mark-carney-warns-house-prices-could-fallIt's my view that there are so many people waiting for dips in housing prices, that with every dip there will be crowds bidding for the property, and so on. But I'm in south east, the land where ordinary salaries are more like pocket money in the context of property prices. Quantity of people in debt/payday loan users, and their house ownership status. Does Carney scare monger(motivation to do so?), or does he use this kind of stat? Why will mortgage interest rates rise? He said it was a "worst case scenario" knowing that the figure would get a lot of publicity. He is an ardent remainer and proponent of "Project Fear". In actual fact in a "worst case" scenario house prices would fall 100% because we would all be dead. But you can easily produce any figure you want by making the appropriate assumptions. Not quite. It was a stress testing scenario for the banks, no more and no less. Given the previous fragility of banks (remember 10 years ago?) that was entirely prudent. What headline writers choose to make of it is another matter altogether.
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zlb
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Post by zlb on Sept 14, 2018 17:05:23 GMT
This is a bit ott?? www.cityam.com/263044/bank-england-boss-mark-carney-warns-house-prices-could-fallIt's my view that there are so many people waiting for dips in housing prices, that with every dip there will be crowds bidding for the property, and so on. But I'm in south east, the land where ordinary salaries are more like pocket money in the context of property prices. Quantity of people in debt/payday loan users, and their house ownership status. Does Carney scare monger(motivation to do so?), or does he use this kind of stat? Why will mortgage interest rates rise? He said it was a "worst case scenario" knowing that the figure would get a lot of publicity. He is an ardent remainer and proponent of "Project Fear". In actual fact in a "worst case" scenario house prices would fall 100% because we would all be dead. But you can easily produce any figure you want by making the appropriate assumptions. hhhm, so he's not stating what research he's using thenthen... A friend said foreigners will continue to buy(up all of the) property, so even if a post-brex UK resident scrapes a deposit and takes out a high interest mortgage, someone will come along and trump their offer. Did I read about legislation about property purchase from non-residents?
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zlb
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Post by zlb on Sept 14, 2018 17:09:05 GMT
I'll most likely get told to keep quiet but, please can we not turn this into a debate on Brexit If it gets out of hand then I'll weigh in with my own thoughts and no doubt you've had more than enough of me by now! I'm very happy to not discuss brexit, but it's a factor in trying to understand what people are writing about in terms of property values for investment purposes, financially, and trying at least to understand a few macro-mechanisms at play.
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Post by dan1 on Sept 14, 2018 17:41:48 GMT
I'll most likely get told to keep quiet but, please can we not turn this into a debate on Brexit If it gets out of hand then I'll weigh in with my own thoughts and no doubt you've had more than enough of me by now! I'm very happy to not discuss brexit, but it's a factor in trying to understand what people are writing about in terms of property values for investment purposes, financially, and trying at least to understand a few macro-mechanisms at play. I wholeheartedly agree... it's just that when I see "Project Fear" and "Project Reality" you and I know which way the debate is going! People can post what they like within reason but I just thought 'hear we go again'
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littleoldlady
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Post by littleoldlady on Sept 14, 2018 18:48:18 GMT
He said it was a "worst case scenario" knowing that the figure would get a lot of publicity. He is an ardent remainer and proponent of "Project Fear". In actual fact in a "worst case" scenario house prices would fall 100% because we would all be dead. But you can easily produce any figure you want by making the appropriate assumptions. Not quite. It was a stress testing scenario for the banks, no more and no less. Given the previous fragility of banks (remember 10 years ago?) that was entirely prudent. What headline writers choose to make of it is another matter altogether.
The BBC, not known for being biased in favour of Brexit, say at www.bbc.co.uk/news/business-45516678 : The Bank of England's governor has warned the cabinet that a chaotic no-deal Brexit could crash house prices and send another financial shock through the economy. Mark Carney met senior ministers on Thursday to discuss the risks of a disorderly exit from the EU. His worst-case scenario was that house prices could fall as much as 35% over three years, a source told the BBC. The warning echoes some of the Bank's previous comments. The Bank of England routinely carries out "stress tests" to check whether the banking system can withstand extreme financial shocks. Its latest one was conducted in November, when it said a 33% fall in house prices could occur in a worst-case scenario.
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) but you can find funds investing in pretty much anything from student property,health,commercial etc but worth reading up and looking at things like F&C,Picton,Std Life investment trusts before perhaps looking at more specialised REIT maybe
