Are you frustrated with low returns on your capital?
Would you like your capital to work harder for you achieving high Returns on Investment (ROI) typically between 7% & 25% (sometimes more), with low risk?
Have you considered investing in property but don’t know where to start?
If you’ve answered yes to these 3 questions we need to talk
PWC are a consultancy firm set up by industry experts to help clients currently receiving low returns on their investments achieve a high Return on Investment (ROI) typically between 7% & 25%* by investing in low-risk residential property in north east England with a fully managed lettings management programme.
Key Facts
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The properties belong to you and you are free to sell them at any time
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We use our 25 years of experience as investors, estate agents and letting agents to source the right properties – this is a key benefit for investors
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We charge what we feel is a very reasonable fee, per property, for providing this sourcing service and accessing our years of experience ensuring your property investment experience is a great one!
Our mission is to help you achieve your financial goals and improve your life using low risk property investment strategies
You may be approaching retirement with a lump sum to invest and require high returns with low risk
You may be building a wealth strategy
You may have inherited funds and require your capital to work much harder
You may have received a divorce settlement and require funds invested to return an income
We’re passionate about helping clients achieve their property investment goals in a safe, secure and predictable manner. Our strategies are quite conservative and we would rather under-promise and over-deliver on what we can achieve for you.
The reality is, however, that the correct property investment strategy can provide a return many times more than the returns provided by bank or building society savings accounts
We're not like other companies
From initial personalised advice, to a full hand-holding and managed service, our sole mission is to help you realise your property investment goals using safe and secure strategies developed by us over many years, avoiding the costly pitfalls which can be caused by inexperience.
Having run major estate agents and letting agent’s businesses ourselves, as well as being successful property investors, we have an unequalled wealth of experience and contacts in the north east property market. We understand exactly what good quality tenants want from accommodation and know where to purchase, ensuring there is always strong tenant demand.
Experts on your side achieving ROI typically between 7% - 25% per annum*
We ensure our landlords acquire properties which meet the tenant market needs and by doing so we achieve Returns on Investment (ROI) typically from 7% to 25% per annum.*
Whilst these returns may seem extraordinary compared to investment returns from your bank, building society or stock market, they are very achievable and are based on sourcing good quality properties in great demand by good quality tenants. We would even expect these returns to rise over time roughly in line with inflation as rents and property prices gradually increase.
Owning multiple properties can be much easier than you would think when you have experts looking after them for you…
Let us do all the hard work! Not only do we source suitable properties by constantly scanning the market, we negotiate the purchase, assess and install good quality tenants and completely manage the whole tenancy process for you via our associated management business, including all ongoing maintenance requirements.
This means that all you need to do is relax and enjoy receiving your investment income.
Why using our consultancy services avoids costly mistakes and ensures you get some of the highest investment returns possible combined with low risk…
PWC MD, Dean Harding, says, “Too often, we see sourcing companies searching for the wrong properties in the wrong areas. They chase what appear to be below market value (BMV) deals which are often below market value for good reason.
Worse still, inexperienced landlords with good intent buy what on paper appears to be a sensible acquisition, only to find out that the estimates on achievable rent are not realistic and that there isn’t a ready-made quality tenant supply for that specific type of property in that location.
Long tenancy gaps follow (voids) and the investment doesn’t look so good after all – but it just doesn’t have to be like that!
Using me or one of my team at PWC ensures you carry 25 years of expertise when making decisions on which property to purchase in return for a fairly modest fixed consultancy fee for each property acquisition.
We only work with a limited number of investors at any one time because the process is quite labour intensive at our end.
Continually scouring the market for suitable property, identifying, visiting, short-listing and negotiating on the right properties is time-consuming.
Preparing and managing work schedules with contractors to get a property tenant-ready (if necessary) can also be time consuming – all of which we do, ensuring the experience for you is a relaxing one.”
Financing your property purchase to achieve maximum returns
We have our 25 year experienced in-house independent mortgage finance expert ready to look at the best solution for each individual client.
Generally speaking, the highest returns on your investment can be obtained not by purchasing a property outright with a cash transfer, but by making a deposit of 20% or 25% of the house value and taking a specialist buy to let mortgage for the remainder.
This is because you earn a higher rate from rent than the cost of the mortgage interest payment. In effect, you can make a considerable profit on the money borrowed from the lender. Spreading your available cash to acquire more property allows a greater return on your investments.
We will talk to you in more detail during initial consultancy about how this works.
Equally, if you wish to buy properties outright without a mortgage, we will provide personalised illustrations on a property by property basis on what returns you can expect.
How Buy to Let Mortgage Funding Works
The buy to let mortgage generally ignores your own residential mortgage commitment and the decision to lend is based on the new property’s rental ability to cover the new mortgage payment plus a contingency. At PWC we focus on the types of property which comfortably meet this criteria.
Based on a typical property value of £90,000, your deposit requirement will be from £18,000 which means you can purchase five properties with £90,000 available capital to invest plus purchase costs.
Buy to let mortgages have quite flexible age allowances too. This means it’s a perfect solution for someone approaching retirement who would like to use part of their pension settlement to secure a much larger return on investment and generate a larger, predictable income than you otherwise thought possible.
Selling or disposing of properties
Because you own the properties, just like you own your residential home, you are able to sell your investment properties whenever you wish. This is also something we can handle for you through our association with estate agents.
Properties can be sold through the open market in the traditional way or to other landlords looking specifically for this type of property.
On selling your property, the mortgage finance outstanding on that particular property will be settled and the remaining amount forwarded onto you by the solicitor direct, minus their sales conveyancing fee.
*Examples of anticipated returns
As we mentioned earlier, our philosophy is to under-promise and over-deliver. We would, however, expect each £90,000 property in the earlier examples to make a monthly profit of £250 (£3000pa) with a return on investment of around 16%.
Mortgage rates do vary but within that £3000 per annum profit we have already factored in lettings management charges and a sensible contingency for general property repairs and maintenance.
Therefore, 5 properties would generate a monthly income profit of £1250 (£15,000 pa)
10 properties £2500 monthly (£30,000pa) requiring min capital of £180,000
15 properties £3750 monthly (£45,000pa) requiring min capital of £270,000
20 properties £5000 monthly (£60,000pa) requiring min capital of £360,000
It should also be noted that generally speaking, rental income rises roughly in line with inflation over time and as a consequence rental income is usually inflation-proof. House prices also usually rise over time and additional capital growth can accrue as your property assets increase in value.
*Full illustrations can be provided on each purchase prior to offer to ensure the correct returns are achieved based on your individual circumstances.
Book a free consultation
Our role is consultative in nature with the intention of providing you with all of the information you need, in a balanced way, to help you make an informed decision in your own time.
We will show you financial models using different property types and values and discuss with you how we manage risk to ensure your property investment is a pleasant experience for everyone.
We will discuss the answers to some frequently asked questions and also answer any questions you may have in a straightforward manner without using jargon. Our aim is to develop long and happy relationships with our clients and help you achieve your financial goals.
We can only work with a limited number of investors at any one time and we would therefore urge you to make contact for an initial free consultation.
We can speak with you by telephone, visit you (dependent on your location), or you can visit us in one of our offices in the north east.
Dean Harding
Founder & Managing Director – PWC - Property Wealth Consultancy
PWC Founder and Managing Director, has also founded and run successful estate agency and lettings businesses over many years. Formerly an International Chief Operating Officer for a global financial services business, he is also a property investor and senior valuer for residential and commercial clients including developers, solicitors and probate services.
Dean is an expert in his field, writes on industry matters and is passionate about sharing his wealth of experience in the property sector to help new investors realise their goals.
Dean said, “I started The Property Wealth Consultancy specifically to help new or inexperienced investors achieve much higher returns on their investment because I witnessed so many people receiving poor advice. “Over many years working within this industry and also being an active investor myself, I have so much experience and knowledge, it seemed crazy not to share this”.
“I’ve put together a super team of professionals to provide all the support a new investor will need including mortgage funding expertise, legal and conveyancing, accountancy and tax advice, lettings management specialists and, of course, the very best property acquisition consulting team”.
“My goal is to exceed clients expectations on service, advice, support and investment returns.”
The north east property market
The north east property market presents excellent opportunities for property investors requiring high, stable returns on investment. Property prices compared to other parts of the UK are low making rental returns very attractive.
Having run our estate agency and lettings management businesses for many years we know the area intimately.
We know what sells, where and for how much.
We know what demand there is for certain types of tenanted property and what rent will be achieved.
We carry out literally thousands of tenant viewings every year and know exactly what tenants want from a potential home.
We use all of this accumulated experience to ensure you make the correct decisions, starting with acquisition.
The north east property rental market works in a fair supply and demand balance unlike the broken rental market in certain parts of the south of England which is weighed heavily in favour of landlords.
In certain parts of the south of England, landlords can easily let sub-standard properties due to an under-supply of property and an over-supply of tenants. Properties in the north east however, must be in good condition and well-presented if they are to attract good quality, stable tenants. Our strategies are centred around acquiring good quality property in areas sought after by tenants.
“A journey of one thousand miles starts with the first step” according to the great philosopher, Confucius.
The PWC Consulting and Advice Process
Your own journey to building a secure and profitable property portfolio can start with a relaxed, free consultation where we can answer any questions you may have.
We will show you how professional property people work, how we analyse returns, how we reduce risk on acquisition strategies and on tenants.
We will explain how becoming a property millionaire is a very realistic proposition provided you follow a clear process.
We will show you how to make your available capital work much harder than you thought possible. We will also walk you through the consulting process so that you understand each step clearly.
We can only work with a limited amount of investors at any one time so please contact us for an initial discussion and consultation.
Contact Us
Let us help you to achieve your investment goals
07788131567
Good Life House, Windsor Tce, Sunderland, SR2 9QF
*The Small Print
Returns on Investment (ROI) quoted are very realistic and are based on us sourcing a suitable property which the client will purchase using a 20% or 25% deposit and taking a buy to let mortgage for the remainder. ROI quoted is net of mortgage interest only repayments, net of letting agency management charges and net of a suggested contingency. It does not include purchase costs which are one off initial charges and may comprise solicitors conveyancing charge, mortgage arrangement costs and property sourcing costs. Specific returns will vary depending on the property purchased and the deposit made by the client. Financial calculations will be made on each property purchased prior to purchase for client transparency and prior to client making the commitment to purchase.