With the extensive due diligence that we undertake on each investment opportunity and over 20 years of experience, our investor partners trust us to help them navigate the residential property market. If you have any questions or specific requirements that you would like to discuss, contact us and we’ll be happy to help you.
E.R.E Property is a property investment group that offers property investment opportunities to individual, corporate, and institutional investors looking to grow their portfolio.
For over two decades, we have been a trusted investment partner. We have built a database of over 20,000 investors and our longstanding relationships with property developers means we have access to off-market opportunities and exclusive incentives.
Our due diligence process is one of the most comprehensive in the industry – we turn down developments that do not meet our investors’ requirements.
A private-rented is an investment where an individual, company or financial institution purchases residential property specifically to rent it out to private tenants, aiming to generate rental income and potentially gain from capital appreciation over time.
Investing in private-rented property can offer consistent passive income as well as capital appreciation, providing long-term wealth accumulation.
Finance can be secured via an individual buy-to-let or limited company buy-to-let mortgage. Typically, lenders ask for a minimum deposit of 25%, more than a standard residential mortgage.
Lenders often require the rental income to cover around 125% to 145% of the mortgage payments, which may require the investor to put down a larger deposit if this threshold is not met. Block purchasers can secure finance from a specialist commercial lender.
When it comes to rental income, UK tax rules vary depending on whether the property is purchased by an individual or through a limited company. Income tax is chargeable on rental income for individuals and company dividends whilst corporation tax is chargeable on company profits. The key difference is that mortgage interest is deductible for companies but not for individuals.
Both structures require stamp duty to be paid when purchasing the property and capital gains tax when selling at a profit. You should always speak to a tax specialist before making any financial decisions. Read our Finance & Taxes FAQs
Yes, certainly. We have been helping expats invest in residential property since 2004. We help with the full process, including securing finance through our mortgage brokers who specialise in expat mortgages. We have investment advisors based in Leeds, London, Hong Kong, Singapore and Dubai.
This varies depending on the type of property and your individual circumstances such as where you reside. Key costs include your deposit, mortgage, valuation, survey, legal fees, stamp duty, and property insurance.
An off-plan property investment refers to the purchase of a property before it has been completed.
Off-plan investments often offer better pricing compared to completed purchases. If property prices in the area rise between the time of purchase and completion, investors could potentially benefit from capital growth. View our Buy-To-Let Investment Properties
A Social Impact Housing investment involves investing in housing with extra care for elderly tenants that can live independently but need help with tasks such as meals, housekeeping, medication management, and personal care.
Besides making a positive social impact on local communities
, Social Impact Housing provides secure income due to long-term full repairing leases being signed with care providers. This means care providers take on all the costs for repairs and insurance – investors do not need to pay service charge or ground rent. Under the terms, rents are backed by the government and increase in line with inflation (CPI), offering additional security.
We always look for emerging, high-growth areas. Please refer to our city guides.
The UK Government is investing £13bn in Levelling Up projects for local people and local businesses across the country to help grow the economy, create jobs, improve transport, and provide skills training and local business support. Levelling Up means creating opportunities for everyone across the UK by improving jobs, pay and living standards; making streets safer; protecting health and wellbeing; investing in high streets and town centres; and improving transport with projects such as HS2.
ROI stands for return on investment and is a metric used to evaluate the profitability of an investment.
The formula to calculate ROI is (net total returns / cost of investment) x 100
Total returns include rental income plus capital gain or loss for the period being evaluated.
In property investment, gross yield and net yield are both important metrics used to evaluate the potential return on investment from a property. Gross yield does not consider any associated costs but is useful for a quick assessment of an investment opportunity. Net yield considers costs such as tax, mortgage interest and maintenance giving a clear picture of the actual return on investment.
The formula to work out gross yield is (annual rental income / purchase price) x 100
Net yield formula is (annual rental income – annual expenses / purchase price) x 100
Outperforming other investments
Residential property investment is often hailed as a sound investment strategy, offering a tangible asset that has historically outperformed more volatile stocks and bonds.
Capital appreciation
Cheap finance, population growth, and challenges in building new homes has led to a demand-supply imbalance, which coupled with inflation and wage growth, has resulted in significant capital appreciation.
High yields
Residential property has comparatively high yields, which increase over time due to rental growth, spurred by demand-supply imbalances coupled with inflation and wage growth.
Stable income
High occupancy rates and low rates of default for residential property in the right markets are a key attraction for investors looking for stable passive income.
Access to finance
The availability of cheap financing options makes residential property investment accessible, whilst enabling investors to put down a relatively small deposit and use leverage to amplify returns.
1. Schedule a call with one of our Investment Consultants.
2. Choose your property investment.
3. Take your chosen unit(s) off the market by sending over a reservation fee (deducted from unit price) with all the relevant forms and identification documents.
4. Our dedicated sales support team will now assist with your purchase.
5. Your documents will be sent to our recommended solicitor to start the legal process. They will issue initial paperwork, check IDs, source of funds, and submit searches.
6. The solicitor will then report any findings to you and request signed contracts and deposit funds.
7. Congratulations – your unit has now exchanged!
8. If you are buying off plan, regular development updates will be sent to you until completion.
9. When completion is approaching, our sales progression team will help you through the completion process and find you a mortgage via our recommended brokers.
10. Congratulations – you are now the proud owner of an E.R.E Investment Property.
Disclaimer: E.R.E Property are not financial or tax advisors and the content on this page should not be taken as advice. Before making any investment decisions please speak to appropriate professionals.
All answers to the questions stated are accurate at the time of writing, and no information should be taken as fact. Always seek your own advice from qualified professionals before making any investment decisions.
