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Odds are good that if you create a financial plan today, reduce your debt and begin saving regularly, you may be able to live more comfortably, with less worry and maybe even retire as a millionaire. Set some realistic goals about how you would like to live now and in the future. Begin learning about how to manage your money better, and develop a financial plan that will help you achieve your goals - even if you're living paycheck to paycheck.


UK Investment Property the Smarter Way

Golden Rules to UK Off Plan Investment Property 2008 1) Never over extend on borrowing Borrowing should never be over extended, aim for a maximum of 75% lending. Ensure that you can finance any borrowing throughout possible rental voids and changes in interest rates. Remember, as many first time buyers are struggling to get on the property ladder ? THEY ARE RENTING! The rental income you obtain will pay the interest on your lending. With 25% equity and 75% lending the average return on your investment is 45% - (45% ROI is based on the average UK growth of 11.3%pa over the last 4 decades ? source ODPM ) Potentially, you can almost double your capital investment every 2 years.

Many investors will then use the increased equity in their property to fund further properties ? in that way building up a property portfolio. This is recognized as 'Gearing'. What if you don't have 25% deposit, but you still want to take advantage of the under market value properties out there? UK off plan property investment could be the solution to your problems. With less than a 5% deposit you can invest in many UK off plan apartments in landmark projects that are set to be complete in 2, 3 and 4 yrs time.

This method may work for you, by making a low capital investment now and allowing the property market to work through its cycle. For example in 2011 when the off plan apartment comes close to completion, it will only be at that time, you will need to arrange a mortgage. 2) Diversify your portfolio Two types of diversification: The type of property you buy and the geographical location of it. You will need to spread your property investments around the country to achieve an annual growth figure of 11.3% (which is the average across the whole of the UK over the last 4 decades ? source ODPM).

For example, in 2006, growth in London and the South East may have been around 16%, whilst in Scotland, it may have been 8%. If you had invested in properties in London and Scotland you would have achieved an average return of 12%. 'Historically, interest rates are still low?.

50% lower than in the early 90's. If you can get a good fixed rate mortgage now for 3 or 5 yrs plus, why would you not invest?' Research, research, research ? regeneration plans and new rail and metro links are good indicators of up and coming areas and capital appreciation. Great access to transport links, restaurants, bars and local facilities. Knowing the area you are buying into and considering who your ideal tenants will be.

Quality locations will attract quality tenants. Concentrate on long term demand where supply is not exceeded. For example: Media City UK ? Long Term Demand ? Manchester's new London Docklands ? Set to be completed in 2011 The UK's first Media City ? 200 acre site at Salford Quays, Manchester. An international hub, the UK's leading broadcast, media and technology companies at its heart.

Media City is being developed by Peel Holdings 5* development. Media Cities across the globe include Singapore, Copenhagen, Seoul & Dubai. Confirmation now of the BBC's relocation of five departments from London to media city: UK at Salford Quays has lead to many other large corporations and business to relocate on completion of the Media City in 2011. The New BBC offices will be accountable for 18% of Europe's media output.

Media City UK will create employment for 15,500 people; there will be 7000,000 square meters of floor space. With some off plan apartments only requesting deposits as low as 3.33%, investing in around Media City: UK, Salford Quays could be a viable option for you.

This article was written by Sara Huck from Quay Property Investments, who manage their own UK and Overseas property portfolios of investment property, discounted property and investment land plots. This large portfolio means they can find the best investments to meet your needs, in many different property hot spots around the world.

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