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Investing in property in the current economic climate could be viewed as risky for both first time buyers and even savvy investors. Yet, if the buying model is right, there is a golden opportunity to invest in UK property in particular – taking advantage of reduced selling prices and low mortgage interest rates while the economy struggles to find stability.

The fundamental drivers of UK property prices remain in place (under supply of new builds needed to house a growing population over the next few years, pressure on land availability, more single home owners, steady influx of migrant workers from the EU), and that WILL mean at a future point house values will first stabilise and then start to grow.

But how can we take advantage?

Investors with access to either cash or borrowings today will be ideally placed to capitalise on these factors when the market turns, and achieve strong returns over the medium term. What is actually required is a buying process that captures the best of the available discounting from housing developers, who are under pressure to release capital for cash flow, and incorporates access to low interest rate borrowing to maximise this purchasing power.

This same combination can also favour first time buyers, who may be able to get onto the property ladder at a level previously not achievable, due to discounting, with manageable monthly payments driven by the lower rates of borrowing currently being seen.

What can My Dream Pad do to help?

Everyone’s dream pad is a personal thing, but with access to the whole lending market through our own source, and ongoing relationships with a number of property developers and builders, we can provide a steady flow of individually tailored deals that fit this buying model, AND that deals are based on true RICS valuations. We have a selection of new build houses and apartments on hand at all times, all in attractive locations for both investors and first time buyers – and we make the whole buying process straight forward. We also have legal services available, and offer lettings management for investors at very low (sometimes no) cost.

Now is the time to take action!

The current credit crunch may well start to ease at some point later in the year, and that will signal a recovery in the housing market. This equally could lead to a market where builders no longer need to offer such strong incentives to buyers, and certainly the next introduction of 90% loan to value lending (maybe lead by Northern Rock?) will quickly close down the deals we can currently provide. I would strongly suggest that you contact us NOW to take full advantage, and remember that the biggest profits are made on purchase, not when selling!

Investors AND first time buyers can email us on info@mydreampad.co.uk

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