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Making An Investment Abroad

Posted by on Jun 27, 2017

Discover the potential advantages of overseas property investment and learn about the main differences between investing in property abroad and in the UK. You can find property with restlessearth.com but why should you?

Why invest in overseas property?

If you’re considering how to invest your money, you may be attracted to overseas property by claims of better capital growth and higher rental yields than buy-to-let property in the UK. There’s also the added advantage of having your own holiday home which you can visit when it’s not being let out.511728582

However, there are many responsibilities that come with letting a home and it may be harder to fulfil those responsibilities for overseas properties. It could also be tougher to get to grips with the different laws and taxes surrounding property ownership in a foreign country. You can get support when you buy with restlessearth.com.

Where to invest in overseas property

If you want your overseas property to be a good investment, it’s important to think long-term.

Property experts will constantly highlight new markets they deem to be investment hotspots and you may be able to find bargains in countries where prices have fallen dramatically, but it’s often wiser to buy in more established markets. This will be a safer long-term investment and it’s likely to be easier to find a good mortgage deal if you need one. Our guide on mortgages for overseas property explains more. Make sure your property is in an easily accessible location with good local amenities and in an area popular with tourists. Don’t forget to take into account the holiday season in the area – many tourist destinations virtually shut down when it comes to the end of the season.

Find out what the going rate is to rent similar properties in the area to get a realistic idea of how much you could make. Or, even better, if the property you’re considering buying is already being rented out, find out how much the current owner charges and how many weeks per year the property is occupied for.

Finding tenants for your overseas property

Attracting business and managing the property yourself could be difficult, especially if you’re in the UK most of the time. It can be a good idea to market your property through a local estate agent but you will need to take its fees into account, especially if you want the agent to manage the property. Cheaper marketing options include dedicated holiday lettings websites. Word of mouth through family and friends is another good way to find potential paying guests.

Rental income

You must pay income tax on rent you receive. You can deduct some expenses from your rental income to reduce taxable profits, but only those that relate to your lettings business (not to personal use). You will also need to make sure the property is up to a certain standard.  Factor in cleaning costs, maintenance costs and the possibility of void periods when deciding whether overseas property investment is for you.

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Why Moving House Is Fun!

Posted by on Jun 19, 2017

511728582Taking the time out of your life to move house is a big undertaking. You need to spend several weeks, even months, packing your entire life and moving from one place to another. The collusion of companies working together to make things work for you is an important job and all you want is to have everything move smoothly. Moving house is a huge commitment and with moving day looming, you realise that you can’t put off the packing any longer. Choosing the right moving experts in Granbury is never an easy decision but ensuring get reviews and life references from companies by people you know is key for moving day success. You need to make sure you have enough boxes and think ahead to reduce any potential disasters on moving day! The following tips have been put together for you so you can make sure you have everything covered with your moving company.

Before you start, consider what you do not need to take with you. You need to work out what will need careful packing and make sure you have moving insurance to cover potential breakages. Make a priority packing list and make sure you show this list to your removals company. Take time to sift through your belongings and have a proper clear-out. You can make up a box for charity and if you have the time try and hold a few car boot sales to sell the things you don’t need. The proceeds of your sales can be put toward some redecorating or new carpet for your brand new home. Calculate how many boxes you will need and discuss this carefully with your chosen moving company especially if they will be the ones supplying what you need. Don’t just get the one size and try and get boxes that hold crockery: there are some excellent boxes with separate slots for plates now so you can keep them from breaking when you move. Try not to overfill larger boxes though I know it’s tempting!

Leaving a little room in the boxes will mean that you won’t break an arm trying to move them. Use sturdy boxes particularly for the heavier items. If you use corrugated cardboard boxes you reduce the risk of your things breaking through boxes and them being strewn all over the floor. All hazardous materials like bleach, paint and aerosols should definitely go into separate boxes to keep them away from the rest of your stuff. Unless you travel light, you won’t be able to unpack everything in the first day so it’s worth deciding what you might need easy access to as soon as you cross the threshold of your new home.

Make sure you pack an essentials box for the first night in your brand new home and carry it with you. Instant access to coffee, tea, kettle and snacks will be very welcome. Set up an online shop for food to be delivered the same evening you move in as then you have a fully stocked fridge for the rest of the week. This is particularly important if you have a young family as you’ll need to make sure you have breakfast things in the next day. Bread and milk are an absolute staple. Prepare an overnight bag alongside this so you have easy access to toiletries.

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Rules For House Moving

Posted by on Jun 19, 2017

Moving house is a huge commitment and with moving day looming, you realise that you can’t put off the packing any longer. Choosing a moving company is never an easy decision but ensuring you choose the right company is key for moving success. You need to make sure you have enough boxes and think ahead to reduce any potential disasters on moving day! The following tips have been put together for you so you can make sure you have everything covered with your moving homes in Stephenville.11564771_ee24bf7e9e_o

Before you start, consider what you do not need to take with you. You need to work out what will need careful packing and make sure you have moving insurance to cover potential breakages. Make a priority packing list and make sure you show this list to your moving houses in Weatherford. Take time to sift through your belongings and have a proper clear-out. You can make up a box for charity and if you have the time try and hold a few car boot sales to sell the things you don’t need. The proceeds of your sales can be put toward some redecorating or new carpet for your brand new home. Calculate how many boxes you will need and discuss this carefully with your chosen moving company especially if they will be the ones supplying what you need. Don’t just get the one size and try and get boxes that hold crockery: there are some excellent boxes with separate slots for plates now so you can keep them from breaking when you move.

Try not to overfill larger boxes though I know it’s tempting! Leaving a little room in the boxes will mean that you won’t break an arm trying to move them. Use sturdy boxes particularly for the heavier items. If you use corrugated cardboard boxes you reduce the risk of your things breaking through boxes and them being strewn all over the floor. All hazardous materials like bleach, paint and aerosols should definitely go into separate boxes to keep them away from the rest of your stuff. Unless you travel light, you won’t be able to unpack everything in the first day so it’s worth deciding what you might need easy access to as soon as you cross the threshold of your new home.

Make sure you pack an essentials box for the first night in your brand new home and carry it with you. Instant access to coffee, tea, kettle and snacks will be very welcome. Set up an online shop for food to be delivered the same evening you move in as then you have a fully stocked fridge for the rest of the week. This is particularly important if you have a young family as you’ll need to make sure you have breakfast things in the next day. Bread and milk are an absolute staple. Prepare an overnight bag alongside this so you have easy access to toiletries.

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Three Tips for Moving Onto A Boat

Posted by on Jun 8, 2017

There are a lot of things that are fantastic about moving onto a boat. The great lifestyle is one of them I mean, who wouldn’t want to live on a boat? You get to be surrounded by the ocean and the endless sky, surrounded by nature and surrounded by the laid back attitudes of other boaters. The freedom to come and go as you please on the water or the shore and you don’t have the chains of a desk holding you back anymore. But how do you make that transition? Companies like brownellsystems.com can ensure your boat is in the correct marina waiting for you to embark on your new life. It’s hard enough moving house but when you need to downsize enough to live on a boat, it’s tough and especially difficult if you’re someone who likes to hold on to things. There are three very important tips to remember that can get you started toward living on a boat and enjoying beautiful sunsets.4914955336_60a0a084d5_o

  • Lose the material things
  • Lose the bills
  • Lose the worry

It seems pretty straightforward to lose the material things in life but you would be amazed how hard it can be to go from living in a full house full of your things and furniture to a 3-500 square foot boat. Don’t worry though, the hardest bit is just the beginning as getting rid of things that you’ve considered a prized possession that you haven’t looked at in years can be painful. Plan on car boot sales, bulk eBay listings and plenty of Facebook posts to empty your house and earn in the process. Utilise companies like brownellsystems.com to move your boat to the correct mooring ready for you. After you’ve got rid of your excess things via sales or the local tip, plan on storing any remaining things in a family members home or a paid storage unit. If you do this for six months to a year, then you can review after this time and anything you still don’t need or find as important as you used to you can then chuck or sell on and save yourself further possible storage fees. If you do this a few times you’ll guarantee that all you need is on that 500 square foot of home you want to live in.

The second step of losing the bills is more of a practical one as it’s so easy to forget to cancel things like subscriptions that you cannot use on the water and by cutting your overheads by simplifying your expenses you are buying yourself that freedom on the water. It can be hard to sail away into the sunset if you’re still paying for a sky bill or magazine subscription. You won’t be able to keep going to the gym or go to Blockbusters on a Friday night. Every pound you save is a pound you don’t have to earn.

The last point of losing the worry means letting go of the attitude toward time and work. Stop worrying about the hours in the day as time on a boat slows down significantly. Living on a boat is not a lifestyle it’s also a life and to get the most out of living on a boat you can’t function the same way you would living on the shore. Relax, enjoy and know that time on your boat is time well spent.

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5 Ways To Impress Your Holiday Let Guests

Posted by on May 26, 2017

It’s the small touches that make a big difference when it comes to high quality accommodation. Guests notice the small touches; the fresh flowers, the neatly made bed, the detailed welcome pack. These things show that you care, and they will make your accommodation stand out to visitors. You’ve bought a holiday home with restlessearth.com but what’s next? So what should you be doing to ensure that your holiday cottage provides a great experience for your guests?

Avoid overcrowding

Whilst it may be tempting to say that your two bedroom holiday cottage bought through restlessearth.com can accommodate six guests, you must think about how comfortable that would really be for visitors! Two double beds and a futon may have the sleeping covered, but what about when six people are fighting over the bathroom or are trying to cook dinner in a small kitchen? Ensuring that guests have plenty of space will greatly improve their experience of your property.

Provide hairdryers for your guests6

Hairdryers are one of those things that no one really wants to pack, so make life easier for your guests and ensure that there is one in each bedroom (preferably within easy reach of a mirror). This simple action can be really appreciated by visitors, particularly if it’s a girls’ weekend! You could even go a step further and provide hair straighteners.

Buy high quality beds

If you wouldn’t want to sleep more than one night on the beds in your holiday cottage, then why are they there? It’s always a good idea that you try being a guest in your own holiday home. We definitely think you should spend a few nights ensuring that the beds are comfortable. A bad night’s sleep can ruin a guest’s stay, and it’s even worse if it gives them a bad back! Investing in high quality beds will give your visitors a great night’s sleep, and they’ll last longer too, so they’re not as costly as you may think.

Champagne flutes, not just wine glasses

This easy-to-do touch adds a real element of luxury to your holiday cottage. A stay in your property may be for a special occasion, and that’s when the bubbly comes out. Champagne out of a wine glass just hasn’t got that touch of class and luxury; for such a small cost this simple gesture can go a long way.

Save them from washing up

Nobody likes to spend their holiday doing the washing up, which is why a dishwasher is great addition to any holiday cottage. Whether there’s a family staying or a group of friends, they’ll love being able to focus on enjoying quality time together free from wrinkly hands and marigold gloves!

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Overseas Mortgages: What You Need To Know

Posted by on May 26, 2017

You can arrange an overseas mortgage through a UK bank or an international lender after you’ve used a company like restlessearth.com to find your dream home. It’s also common to raise the funds to buy a home abroad outright by remortgaging your UK property. Here, we explain the pros and cons of each.

Remortgaging your UK home to buy an overseas property

Remortgaging your UK home can help you raise the funds to buy an overseas property outright.

Whether this is a sensible option for you will depend on your personal circumstances – including how much of your existing mortgage you’ve paid off and your current credit rating – as well as factors such as interest rates at the time you apply.

Borrowing from a UK bank to buy overseas property390815209_ddb7564c70_o

All of the main UK high street banks have an international mortgage service, but you’ll need to find out which countries they operate in. Banks tend to only provide mortgages for purchases in countries where they have offices. While getting a mortgage in established overseas property markets such as France or Spain might be simple, it may be trickier if you’re looking further afield.

Although the mortgage may be set up through the UK bank, you would deal with the foreign arm of the bank once the mortgage is arranged.

Arranging an overseas mortgage abroad

It’s possible to arrange a mortgage with an overseas lender using a specialist broker. These brokers can give you tailored information, including a list of estate agents or lawyers to use in your chosen country. Mortgage rates in some areas of the eurozone are far lower than in the UK, especially in established property markets with a wide range of mortgage providers, so you might get a better deal by borrowing abroad.  However, overseas mortgage brokers are not covered by the Financial Conduct Authority, so you would struggle to get any compensation if you were given poor advice. You should also consider the repercussions of borrowing in a foreign currency. If you do so, exchange rate fluctuations would affect your repayments.

Deposits on overseas property

The deposit needed for an overseas mortgage tends to be higher than you’d need for a standard UK mortgage. In Spain, it’s common for overseas buyers to pay 30%-40% of the property price as a deposit. In some countries, this deposit is non-refundable, so don’t hand over any money before you’ve negotiated an initial contract, and then only to a lawyer or bonded estate agent.

Moving abroad is feat enough in itself without using property finders like restlessearth.com. You should do whatever you can to ensure your property search is as easy as possible.

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