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With mortgage lending tightening across the UK following the recent credit crisis sparked by sub-prime lending problems in the U.S, many property investors will soon find they must work much harder to demonstrate their financial standing if they are to be granted the loan facilities they need to continue their business.

In short, the days of securing easy loans for the Buy to Let market look to be coming to an end as providers of these mortgages are likely to tighten their screening procedures and scrap their low interest offers over the coming weeks.

Conversely this recent climate, which is seeing the housing market stagnate, is leading to heightened opportunities for property investors where deals can be made - providing that suitable loans can be obtained of course.

This is where dothesums.co.uk comes in - a simple, new online service that
calculates the profitability of a buy-to-let property. Costing £49.50 the
report analyses the deal, highlights potential risks and provides an accurate portrait of the investment potential in real terms which will act as essential financial evidence when applying to the banks for a loan.

As always, the effect of the changes in the value of property will not be spread evenly across the country. Unlike many services which claim to identify 'property investment hotspots', dothesums.co.uk is a system tailored to provide
a financial assessment of a proposed deal for a specific address. Potential
buyers therefore know they are receiving a specific forecast which has taken into account individual factors relating to the property in question. In short, it answers key questions such as:

- Is the property I am thinking of buying the best choice?
- Is the purchase going to be profitable?
- What will my income be?
- What will be the growth of my capital?

Founder of this new business service, Jim Marley, explains: "A dothesums report is in effect a business plan for the project in hand. It calculates the future performance of an investment property and while it is specifically designed to reduce the risk of buying a Buy to Let property, it also provides crucial information which banks and loan companies will increasingly demand before they are able to secure any borrowing."

Jim Marley originally identified a need to develop this technology in response to the steady rise of everyday people becoming landlords, many of them inexperienced when it comes to understanding what to look for in a property that will provide the best potential for capital growth. While large consultancies may offer this type of risk assessment for large scale developments most residential landlords must rely on other sources of information. So whether a young professional is looking to invest in a nest egg for the future, or parents are investing in a student home for their offspring, dothesums.co.uk is designed to create opportunities for a wider range of landlords to make informed decisions with the help of an independent, impartial and cost effective advisor.

The service is equally applicable to experienced landlords who want to appraise the performance of their portfolios. It allows owners to rank their investments in terms of cash flow and return on capital in order to select the good performers from the poor ones.

Using sophisticated techniques that previously have only been used on large capital projects, the report looks ahead typically for five years. Mathematical relationships are sought between past and present prices and also between a
price to be forecast and other information, such as interest rates. If the
relationship is strong enough to justify an attempt at forecasting, mathematical models are built to use in the forecasting process and the calculations are carried out by dothesums.co.uk.

The strengths and consistencies of the relationships that the forecasts rely
upon vary greatly, so no individual forecast can ever be guaranteed. However,
the service attempts to optimise all forecasting technology to ensure that the most likely outcome, on the basis of the data history, is used.

The forecast conclusions are an excellent guide in absolute and comparative terms, which will make decision making clearer and more profitable for today's buy to let landlords.

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