Honest Property Investment with Natasha Collins

Today’s podcast is all about tax planning - and why this is so NB right now.

I have a lot of great advice on what you can do to fix mortgage interest rates and even fix your maintenance costs, but I’m a Surveyor and I stay in my lane.

So this week I invited a tax professional, Neil Ryder, to come onto my podcast and explain ways in which we can put in place a tax strategy for our property portfolio so that we know roughly how much tax we’ll be paying (or even saving) so that we can plan accordingly.

If you’d like to reach out to Neil, you can do so here:

Tel: 07834 600024

Email: [email protected]

Website: www.astonleigh.com

I thought it was time to bring out the big guns and share with you some stories of commercial property that I’ve been involved with over the course of my career that were absolute horrors at the time… I look back on them now and laugh, but also thank goodness I experienced them because it’s made me a better surveyor today.

I thought I’d share some of them. Every property is different. Every tenant is different. In all honesty, a lot of these you would never have seen coming… but a little bit of common sense goes a long way to sorting these problems out.

In today’s podcast, I’m going to run through several case studies. I’ll be chatting through the scenario, the problem and the resolution.

A high end chocolatier with no contents insurance

The tenant who turned the sewer into a water feature

A jeweler who boxed in a leak rather than making a phone call

A yoga studio that smashed all the windows of a brand new building

An ex-brothel that collapsed internally due to the billionaire next door digging out the basement

This is honestly just the beginning! During my time working in property, I’ve seen A LOT (I doubt though that I’ll ever see it all).

It’s about keeping a level head and persevering!! Common sense rules the roost in commercial property. However, in all of those situations, the problem was solved and we moved on. You’ve just got to have staying power… oh and someone on your team who’s not willing to let you loose out and will sort the problems out for you.

Yes, I’m talking about me!

If you've been listening to my podcast for a while now and you want to be part of my Members' Club, you can join me (and my amazing team of Commercial Property Surveyors here: https://ncrealestate.co.uk/membersclub/) 

Natasha

I'm so excited to be getting everyone together for a phenomenal day together in Birmingham on Saturday the 2nd July at 12:30.

My team and I have put an enormous amount of prep into making this the very best day for our Members. 

Curious? Then listen to this 5-minute podcast about how you can attend the LIVE event too! 

Here's a little info about what you can expect on the day: 

+ you're going to want to hear my keynote speech about how you should be thinking as property investors right now and how you can make the most out of the market today. 

If you've been sitting on the fence and wondering if you should join the Members' Club, now is a GREAT time to do so. 

Here's the link to sign up for either the quarterly or annual membership (BUT listen to my podcast first!): https://ncrealestate.thrivecart.com/members-club-2022/ 

Chat soon, (and hopefully see you very soon!)

Natasha 

As the title suggests, this podcast is going to be full of useful tips and information. There's a lot going on in the market at the moment, and we as property investors need to keep abreast of everything that's going on. 

In this podcast, I chat about why Commercial Property Investors need to be resilient at the moment and to keep offering on properties- this is what is going to change the market. 

I'll also chat through a Commercial property that I'm negotiating on. While my strategy stays the same, I'm always on the lookout on how to position things to my benefit. Listen to my process in the pod!

Did you see this article? It's from the Daily Mail (I know!), but it chats about how the Government is creating a tax break on Residential property. I'll discuss some of the options that were mentioned in the article (while they appear to be good options, are they really?!)

Finally, I'm going to chat about Changing CIL to IL under the Levelling-Up and Regeneration Bill- seems hopeful for regeneration purposes- what are your thoughts on this? 

Enjoy my podcast this morning!

Before I get into today’s podcast info, I wanted to remind you that on Thursday the 19th of May @8pm BST you have a single-use guest pass to the Members' Club LIVE Deal Analysis Masterclass.

*As a non-member, you will be able to attend this event once.

Right, now onto today’s podcast. It's a mix of different points, which are relevant to you as a property investor.

I’ll be discussing:

This week I thought I’d bring you with me for the Deal Analysis journey and do a follow-along Commercial Deal Analysis on the podcast.

***This is a two-storey building in Richmond, North Yorkshire. Rent income per annum of £26,400pax, which is on the market for offers in excess of £295,000***.

My due diligence:

From this, I estimate what price I’d purchase at and what I think the potential value of the property could be if I implemented a regearing strategy.

So, what do you think? Would you go ahead and buy this property? 

Now, if you found the podcast valuable (it would be hard not to!), then I would like to invite you to a LIVE Deal Analysis Masterclass on the 19th May @8pm BST. Click here to register >>> https://ncrealestate.co.uk/dealanalysismasterclass

This week’s podcast is jam-packed with A LOT of NB info.

First up, I want to celebrate a little (actually a HUGE) win, and that’s that in the last 3 months, I’ve had 99% occupancy on Air BnB… Hell yes!!

In the podcast, I’m also going to go through the Levelling up and Regeneration Bill - this is going to be unveiled in the Queen’s Speech next month on Tuesday the 10th May. The aim is to revamp high streets and provide accommodation to those that need it and stop high streets from becoming ghost towns- but this also has effects landlords. I chat about HOW…

Something else that has come up recently is around HMO’s - are the Tax Bills really Quadrupuling? I’ve been doing a lot of research around this which you will hear in my podcast, but go and check out the Governments website that explains how HMOs are banded on a page called ‘How domestic properties are assessed for Council Tax Bands’.

(Essentially- it makes Commercial Property Investment seem way better!)

I’m also going to go through a shocking case of a tenant having to take on the rent for 10 years- the crux is- don’t cut corners in the professionals you hire!

I hope you get a lot of great info from this podcast- it’s up to date and current information that could literally be “life-changing”.

In today's podcast, I'm going to be going through some very important Updates in Commercial Property from April 2022. 

This is information you need to know as a property investor, and I've laid it out so that you know where you stand and what you need to be doing. 

If you have any questions around the topics I've chatted about, you can email [email protected]

Enjoy today's podcast, and I hope I've been able to clarify some NB & current updates that are happening in Commercial Property right now. 

ALSO...

.... in the spirit of showing off our good work and the excellent team we have over at NC Real Estate, I'm inviting you to a Deal Analysis Masterclass on Thursday the 21st April @8pm BST. 

Using your SSAS to Invest in Commercial Property.

My inbox has been buzzing with this topic and so I thought I’d start addressing it.

I’m a surveyor, I get involved at the point a client already has a SSAS and then wants to invest in commercial property. My job is putting together the property investment strategy and executing it.

So, if you’re someone who doesn’t yet have a SSAS and wants one please make sure to speak to your financial advisor.

Getting started: you need to make the decision to either hold the properties in your SSAS or in a Ltd Company. This informs the strategy.

> In your SSAS we need to consider what lending is available.

> In a Ltd company we have to consider how much your SSAS can lend, the interest rate at which it's lending, ensuring the SSAS always has the first charge, and then repaying the SSAS at a minimum of 20% of the loan per year, or repaying it all so the investor has enough cash to go again.

I’m breaking this down into sections as it's a huge topic to cover.

Today I want to talk about finding investment finance. This is a throwback episode to when I invited Daniel Woods from Momentum Property to chat with me about 25 ways to find money for a deposit.

This was such a succinct and successful podcast that I thought I would bring it out again so that you can go through it. It's certainly worth every minute of your time!

We chat about creative ways of finding finance too and not just from bridging loans and your regular mortgages. It’s about thinking out of the box when it comes to finding investor finance. Cryptocurrency included!

I’m really excited to share this with you all today.

P.S. Have you accessed my "Crossing over to Commercial" mini-course? You're going to love it! It's an hour-long and covers all the basics, PLUS I included a Commercial Deal Analysis (you'll receive that in an email once you sign up). Sign up here: https://ncrealestate.co.uk/crossingovertocommercial