FAQ's

Instant Equity is a property club with no membership fees. The ethos of the business is to acquire for our clients new build property at discounted prices.

We assist clients in building property portfolios with discounts ranging from 10-20% below market value. We do this by negotiating bulk purchases in order to achieve the discount and this discount is passed to our clients for a fee. In addition we ensure the purchase process is seamless for the client by arranging financial advisors, solicitors, letting agents and we offer advice throughout every aspect of the process.

You need to register your details with us. Once registered we will email you free of charge with details of available opportunities.  If you are interested in pursuing an opportunity simply contact us.

We source residential Off Plan and New Build properties

We charge clients a finders fee for procuring the opportunity to buy a property with Instant Equity.

We do not charge membership fees.

Often developers offer discounts for off plan sales as follows:
(i) to generate capital to fund future development.
(ii) when the majority of units have been sold on a development and the developer has realized a profit in order to avoid further marketing costs the developer may sell the remaining units at a discount.
(iii) if a developer is approaching a financial year end and needs to boost sales figures discounts are sometimes offered.

Instant Equity source developers who satisfy the above criteria and negotiate discounts accordingly.

Instant Equity carry out detailed research on all property offered and also purchase a unit in every development we offer to clients. In addition we instruct an independent surveyor from the Royal Institute of Chartered Surveyors (RICS) prior to the launch of any opportunity.

If you have equity in your own property it may be possible to re-mortgage it to raise capital.

Yes. Some banks will lend against the valuation of the property, not the purchase price. For example if a property is valued at £200,000 the maximum the banks will lend against the value of the property is 85% of valuation i.e. £170,000. If a discount is achieved of at least 15% then this can be used as a deposit when certain lenders are used. This means the property can be entirely funded by a mortgage without investing any funds towards the deposit!

Since we only offer opportunities with Instant Equity, every purchase you make with us means you buy with profit.

First you buy with Instant Equity which should insulate you against a drop in prices. Second, since there is a shortage of housing within the UK this should help sustain the rise in property prices. Thirdly although property prices fluctuate historically UK property doubles in value every 7.2 years.

Interest rates can fluctuate at any time. Therefore we recommend that you factor this into your portfolio management and have a contingency fund in place to cover unforeseen interest rate rises and other costs.

Since we only offer properties with  Instant  Equity we do not offer further discounts.

Yes there are mortgage products available to assist company purchases. It will be necessary to consult with our nominated independent financial advisors for a consideration of your circumstances.

The deals we structure assume the use of our nominated professionals.

Yes.

This depends on the developers contract.

This is the annual rent divided by the purchase price of the property multiplied by 100. Eg. A property rented for £600 per month costing £100,000 to purchase has a rental yield of 7.2% i.e., 7200 divided by 100,000 multiplied by 100.

Tenant pays Council Tax whilst the property owner is responsible for service charge and ground rent.

It is possible to have multiple mortgages with different lenders although it is not normally possible to have more than one mortgage per property.

On a buy to let mortgage normally 85% of the value of the property. However there are some products that enable borrowing above this level. Please contact us for further details and we will put you in contact with an independent financial advisor.

In theory the income and credit status of the borrower is irrelevant since buy to let mortgages are secured on the income and capital value of the property. Normally anyone over the age of 21 can get a buy to let mortgage but the higher the risk the higher the interest rate. Therefore poor credit history can affect your ability to obtain competitive rates.

Yes.