Independent Financial Life Planners Bishop's Stortford: A buy-to-let income without being a landlord?

Thursday, 9 April 2015

A buy-to-let income without being a landlord?

If the hassle of being a buy to let landlord does not appeal to you Enable’s IFA’s in Bishops Stortford have been look at whether “Property ISAs”' offer investors exposure to the housing market in a better way. Have you thought about whether you be looking to invest in property with your ISA allowance this year? Investors currently have a lot broader range of funds to choose from, and for the first time you can invest in the residential property market this way. Up until recently most property investment had to be via a commercial property fund. These funds traditionally either invested directly in bricks and mortar, or held shares in property companies.

However, there are now available specialist tax structures called property authorised investment funds (PAIFs), and real estate investment trusts (Reits) – these are basically a property investment trusts which are listed on the stock market. Essentially that makes them pooled funds that can invest in both commercial and residential property. Investments held within these structures don't have to pay corporate tax on their income or gains, which potentially boosts returns for investors. These can either be bought direct, or purchased via an Isa, protecting investors from capital gains and reducing the tax due on any income received.

Some advisers may still be reluctant to recommend residential property to clients who are already heavily exposed to it through home ownership and continue to favour commercial property, highlighting its ability to pay an attractive income and pointing to historically low correlations with equities and bonds. To see what is best for your investments Enables IFA’s in Bishops Stortford can talk you through your options.

Issued by: Enable Independent Financial Life Planners
25c North Street, Bishops Stortford, Herts CM23 2LD
Telephone: 01279 755950 - Fax: 01279 657339
Enable Independent Financial Life Planners is a trading style of Enable Independent Limited is authorised and regulated by the Financial Conduct Authority.
It is important always to seek independent financial advice before making any decision regarding your finances. If you would like any assistance, please contact us.
NOTHING CONTAINED IN THE ARTICLES SHOULD BE CONSIDERED AS GIVING INDIVIDUAL FINANCIAL ADVICE

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IFA Bishop's Stortford

At Enable Independent we know that our clients trust us and rely on our advice to help them to plan a better, more secure financial future. This is a responsibility that we take very seriously especially because we know that many clients have chosen us on the recommendation of friends and family. Each one of our advisers has deep expertise in their area of specialist knowledge and, as a team, we hold some of the highest qualifications available in the financial advice industry.

Our job satisfaction comes from using our skills to find workable, affordable and flexible solutions to meet our clients needs. Whether we are planning for known future funding requirements such as house purchase, school fees or income in retirement - or for the unforeseen such as job loss, long-term illness or early death, our independence from any product provider enables us to view the marketplace impartially. Our training permits us to look beyond a product's marketing hype and select on the basis of its fitness for purpose.