Equity Share

EquityShare calculator

You need a minimum deposit of around 6.5% (9% for properties of £250K and above). If you leave Deposit blank, the calculator will assume you have 10%.

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A well-balanced portfolio is likely to contain a chunk of residential property.

For some clients, this means a second home, perhaps on the Continent, and maybe a few buy-to-lets. The disadvantage is that these can be management intensive and may incur heavy running expenses, for example local taxes while the property lies empty.

At the other extreme, property funds have performed pretty well, but lack the personal touch required by a hands-on investor.

For anyone seeking a bespoke, low risk exposure to residential, EquityShare could be the answer.

Through us your client invests, say, £25K in a defined property purchase and receives documentary proof of title. Every six months we pay £625 into the client's bank account (= 5% pa). Then in five years' time or so, the owner-occupier refinances to buy out the equityshare. Let's suppose house prices have grown by 6% a year. The client gets back £33.5K and in the meantime has enjoyed 5% pa income. Try getting that from a bank. Instead of 6% HPI, substitute your own view of where the market is heading.

This product also suits pension investors and others seeking a regular income while their capital is effectively index-linked. Over the last 40 years, bricks and mortar have demonstrated long-term value by growing at an average of 8.2% pa.

Now could be a good time to get into residential property.

Contact us for details of current offers.