http://www.marioapostolou.co.uk/

Mario Apostolou, London (2026)

29/01/2023

Kakopetria country Run done & dusted!

12/11/2021

October saw a further rise in House prices in the UK due to lack of new properties listed for sale.

According to the Royal Institution of Chartered Surveyors (RICS) UK residential market survey, 70% of respondents saw a rise in property prices, with the trend expected to continue over the next three months, and the year ahead.

Despite a 10% rise in the number of new enquiries, UK estate agents only have an average of 37 properties on their books. Meanwhile, 20% of agents reported a fall in the number of new properties being listed for sale.

“This is not only impacting on sales activity but is a significant factor behind current house price rises,” RICS pointed out.

Although the results showed a dip in the volume of sales agreed over the month, it highlighted that demand was picking up slightly.

13/03/2018

6 WAYS to IDENTIFY a HEALTHY PROPERTY MARKET

The property market may seem like an overwhelming mix of numbers, legals, jargon, cycles and advice. Knowing what the property market is doing and where it is heading is a challenge, but we believe in learning as much as possible. Read the statistics, watch out for articles on property or the economy, talk to experts and learn as much as you can. In this way one can make their own decisions, rather than relying on other people’s opinion on what should be done.
At its simplest level, real estate economics is a matter of supply and demand. A few properties for sale, not meeting the market’s demand will mean that prices rise. Conversely, if the ‘for sale’ inventory exceeds demand, prices will obviously fall.

Today we will be sharing with you, the 6 most important ways in identifying a healthy property market, so you can take control of your investing choices.

1.The first thing to look for is whether supply and demand are in balance.
If there is a balance, prices will stabilize and homes will sell at prices closer to their true values without the unhealthy side effects of an unbalanced market—bidding wars and prices so high that they either shut out first-time buyers or so low that they suck away equity from homeowners who become reluctant to sell and who eventually withdraw from the market.
During recovery, rapidly rising prices may create bubble-like conditions, threatening the market and raising worries of a crash.
Markets can change quickly, but it is not hard to tell when supply and demand are so out of balance that they create abnormal changes in the market which make it difficult for both buyers or sellers.
2. Another thing to look for, is the number of property sales.
When it comes to property development there are multiple stages, beginning with acquisition, through to planning, civil works, roads, and finally registered titled lots ready to be transferred to the end user. If developers are selling all of their stock before everything is complete, that is a good sign that the market is warming up. If there are thousands of completed properties sitting there unsold, that means the market is slow.
3. When the market is healthy, you will be able to see the media/press increasingly reporting good news and numerous property stories.
As the growth cycle moves upwards, developers are the first to act. Following that, around a year later, the media catch on and start reporting. That pushes the market up to its peak because that’s when your everyday investors catch on and open their wallets. Keep an eye out for the ‘b’ word in the press (that’s ‘bubble’), because that is a good sign that the market is hot or at the very least overheating.
4. Underlying to any market movement is the economy; therefore it is wise to keep an eye on your country’s economy.
If the economy is flat, depending on how flat and why, then the property market may sit flat too (unless we are referring to London, which many foreign investors see as a safe place to invest and a flat economy was never a hindrance or an obstacle for them to invest in, even during financially difficult times) . Additionally watch out for the rental market. In particular look for 2 things: low rental vacancy rates in a market and/or for rising rental prices. Simply, due to the nature of supply and demand, the rising cost of rentals equals to an increased need for housing. An increased demand for property means a healthy market.
5. When the market is booming, development and government incentives begin to dwindle.
Incentives, like the First Time Home Buyers Grant and many others, are put in place to get people onto the property market, driving the economy up, reducing unemployment and reigniting the industry in general. So when these incentives are harder to come by, that means the property market is healthy.
6. If you’re selling a property, and if once this is listed you immediately receive multiple offers, that is a sign of a healthy market. This is tracked via a mechanism called average days on the market. Alternatively if you are selling at auction, you will receive crowds of people attending, which is what we’re seeing in London at the moment.
It is important to note that due to the nature of the property market these six identifiers will not always line up at once, but if you have got three or more of these, then the market is fairly healthy, which is great news for investors.
MARIO APOSTOLOU
LEADING PROPERTY EXPERT

Follow him on Twitter
If you're keen to build your own Property Portfolio, you may wish to meet with Mr. Apostolou a Leading Property Expert, to review your personal circumstances, select the right markets to invest in, and create a strategy and a plan of action exclusively for you.
If you would like to come along for a more private discussion, please feel free to contact EMBLEM on +357 25 871616 or email [email protected]

13/02/2018

Investing in the UK Property Market
14 Tips for Foreign Investors

The UK is generally regarded as a safe place to invest in Property, especially London. The lower value of the pound due to Brexit has made prices more attractive to many foreign investors/buyers.
If you are considering in investing in the UK property market here are some tips that might help you when doing so:
1.The London property market is clearly very different from the rest of the UK. In fact It is as if London is a Property Market by itself distinctly different from the rest of the UK. It is as if these are two different countries. It has the highest priced property and the highest rents in the country. Average London prices can be 4/5 times higher than other parts of the UK – you can buy a large detached house in most parts of the UK for the cost of a very small flat in central London.
2. As a general rule property prices and rental values fall the further away they are from the Centre of London. The fall becomes quite significant as you move away from the south east of the country.
3. Property values in the long term, almost always rise in the UK. On average they have risen over 300% over the last 20 years. This isn’t always the case though, and there have been periods in history when prices have dropped sharply. There is usually a seven-year cycle, whereby property prices keep rising and as the market gets heated up, they then fall thus correcting any sudden surges in price.
6. As a general rule, areas that are more expensive to buy (eg. center of London) offer better long term prospects for price gains (capital appreciation) but lower rental yields – while areas with lower value properties offer poorer prospects for price gains but better rental yields.e buying to let. Renting a home is not always the case though, and most people in the UK
prefer to buy rather than rent (if they can). This trend is decreasing though and over the last 30 years the number of people renting a home has gone up from 12% (in the 60s) to over 30% today.
5. Properties to rent are in high demand in most areas of the country, but certainly not everywhere, and nor for every type of property. If you’re thinking of buying property to rent out check demand and rental yields with someone who is knowledgeable about local trends. http://embleminvestments.co.uk/
6. As a general rule, areas that are more expensive to buy (eg. Center of London) offer better long term prospects for price gains (capital appreciation) but lower rental yields – while areas with lower value properties offer poorer prospects for price gains but better rental yields.
7. The biggest factors that affect the value of a property in the UK are its locality, its proximity to transport networks (underground stations) and its proximity to good local schools. There are many others of course, which will be explained in a future article.
8. You don’t need a general license to run a rental business or rent out property, but in some places you do need a license to rent out property in that area. The local authority i.e. the local council, can tell you if you need a license, what it involves and what it will cost. There are though, significant laws and relevant legislation to which the Landlord should fully conform.
9. Property can be purchased through estate agents, online property websites, direct from private sellers and through public property auctions etc. You can often buy property below its full market value at a property auction but there is often a reason for this, such as the property having structural problems and/or which may be unmortgageable.
10. Asking prices are not fixed prices and are almost always negotiable. It’s usual, although there are exceptions, to make an offer on a property you want to buy that is less than the asking price – sellers will normally expect you to make an offer under the asking price. (This doesn’t mean they will necessarily accept it though.)
11. If buying through an estate agent, buyers don’t pay any transactional fees to the agent (it is the seller who pays that). If buying from an auction, buyers may have to pay transactional fees to the auction house.
12. Transferring a property into your ownership is known as conveyancing. It’s usual (and advisable) to have a solicitor or licensed conveyancer to do this for you, although you don’t have to use a lawyer to buy a property.
13. Stamp duty land tax (or SDLT) is a tax on property purchases and is payable by the buyer. Recent changes to the system have made calculating the rate you’ll pay quite complicated. The rate you pay depends on both the property price and the property status and can be anything between 0% -8% overall depending on the above mentioned parameters and the overall price of the property.
14. Income from letting a property is taxable in the UK, but you can claim some of the expenses involved with letting a property as a tax allowance. Capital gains tax is levied on the profit you make from buying and selling a property that is not your own home. Again, there are allowances you can claim to reduce this.
As the property tax situation in the UK is complex and changes frequently it’s advisable for foreign buyers to consult a local tax accountant before buying.
Last but not least important, do your research (Due diligence) on both the property and the area and seek expert advice before you decide to buy it.

8. You don’t need a general license to run a rental business or rent out property, but in some places you do need a license to rent out property in that area. The local authority i.e. the local council, can tell you if you need a licence, what it involves and what it will cost. There are though, significant laws and relevant legislation to which the Landlord should fully conform.

We hope you’ve found these tips helpful. Please feel free to contact Mario Apostolou a Leading Property Expert to arrange a consultation for a safe and profitable Property investment.
Email: [email protected] and
keep checking back for more help and advice on buying and investing in UK property.
www.marioapostolou.co.uk
If you’d like to get some individual advice on how to finance your investment property and/or to become a property investor, please feel free to contact MARIO APOSTOLOU Leading Property Expert on email [email protected] We are happy to arrange to have a chat over the phone or meet with you to review your personal circumstances and create the right strategy and structure for you, and help you calculate how much you can afford to invest.
http://embleminvestments.co.uk/

05/02/2018

OVERSEAS COMPANIES OWNING PROPERTY IN THE UK

The UK government has announced that overseas companies that own or buy property in the UK will be required to provide details of their ultimate owners on a public register.

This commitment was made in a debate in the House of Lords last week on the Sanctions and Anti-Money Laundering Bill. The government committed to bring forward legislation that will effectively prevent people concealing the underlying ownership of overseas companies when they are being used as vehicles to own UK property.

The government says that more than £180 million worth of property in the UK has been brought under criminal investigation as the suspected proceeds of corruption since 2004, and over 75% of properties currently under investigation use offshore corporate secrecy. The proposed new register of overseas entities owning UK property is intended to help to reduce opportunities for criminals to launder dirty money and buy property in the UK with the proceeds.
The UK will be the first country in the world to require overseas owners to provide details of their ultimate owners.
The proposed timetable for implementation is leisurely. A draft bill will be published by the summer, with legislation to be passed in 2019 and for the register to take effect in 2021. Lord Ahmad of Wimbledon, speaking for the government, emphasised in the House of Lords that the process is complex, particularly as it will be necessary to work with Companies House and three different land registries (England and Wales, Scotland and Northern Ireland) to develop the necessary systems to ensure that the legislation achieves its purpose. A key proposal is that those who own property and who do not comply with the new requirements will lose the ability to sell the property or create a long lease or legal charge over it. Similarly, buyers of property who do not comply with the new requirements will not be entitled to become registered as proprietors.
In terms of the time expected to be taken before the proposals become effective, Lord Ahmad made a comparison with the People with Significant Control (PSC) register, which took four years to set up from passing the necessary legislation to the introduction of the register. "It may have taken four years," he said, "but it still put the UK's framework in a world-leading position. The new register will take a similar path, but there are numerous additional considerations."
In particular, one other reason for the lengthy timescale is that it will be necessary to give time for affected organisations to adjust to the new requirements. Lord Ahmad pointed out that overseas entities that bought property in the UK, in some cases many years ago, will not have had these new provisions in their contemplation at the time. In most cases, the property will have been bought for "legitimate and innocent purposes" and by those who expected privacy offered by ownership through a legal entity. Those entities, and their beneficial owners, will need time to understand the requirements and consider their options. In the consultation exercise last year, the suggestion was that entities that already own property will be given a transitional year in which they will be free to choose whether to disclose the information required by the new legislation or dispose of their property.
One other suggestion that was made last year, not referred to in the House of Lords debate or in the government's press release, is that the new rules should also apply to overseas entities that wish to take part in central government procurement exercises. It is not yet known whether this idea will be carried forward.

Disclaimer
This document is for informational purposes only and does NOT constitute legal advice. It is recommended that specific professional advice is sought before acting on any of the information given herewith.

If you’d like to get some individual advice on how to finance your investment property and/or to become a property investor, please feel free to contact MARIO APOSTOLOU Leading Property Expert.
email [email protected]
We are happy to arrange to have a chat over the phone or meet with you to review your personal circumstances and create the right strategy and structure for you, and help you calculate how much you can afford to invest.

01/02/2018

The ONS (Office for National Statistics) has released figures that show UK rents for private tenants had increased by 1.2% over the twelve months up to the end of December 2017. The ONS' yearly figures started in January 2012 and last year's increase was the lowest since the records began.

In England private tenants on average 'coped' with a 1.3% rent increase, Welsh tenants had a 1.7% rise and Scotland only had a 0.4% rental increase in 2017.

In 2017 London's PRS rental increase was a lowly 0.4% which is well below the average UK rise.

Paul Sloan, operations director of a leading lettings agent, said: "Rents are rising but at a slower rate than before. This is good for both landlords and tenants. A rise of between 1.3% and 1.4% in England is sustainable.

"Landlords have got some capital growth and will benefit from higher yields but it is also good news for tenants that increases are modest – at least until the proposed ban on tenant fees are introduced."

It has just been announced by the government that the letting agents' fees ban will not be introduced until the spring of 2019 which could be an over optimistic timescale. Obviously agents will not wish to lose the extra revenues from tenant fees, and many experts are saying that they may have to compensate their losses by charging landlords extra surcharges in 'service' fees.

Sloan believes that if landlords have higher management fees to contend with then it is more than likely that tenants will end up paying them.

He added: “Wages are likely to be rising by more than rents and realistically, landlords are unlikely to put up rents on an existing tenancy by 1%.

"If they have good tenants, they are likely to wait and increase it by 5% later down the line, or just increase the amount for any new tenancies.

08/01/2018

2018 CYPRUS PROPERTY MARKET PREDICTION
Property prices in Cyprus are continuing their upward trend, according to RICS Cyprus and there seems to be a renewed interest from both local and foreign investors to carry on investing in what seems to be a more stable market, with sufficient confidence for all parties involved.
During the first half of 2017, the Cypriot economy showed further signs of stability, with an annual seasonally adjusted GDP growth of 3.5%. Unemployment remained at somewhat high levels, but on a downtrend to ca 10.8% (from the high levels of 17%) in the previous year. These indicators have performed even better in the second half of the year.
2017 in general was noted as a year of growth, during which the recovery of the economy of Cyprus had a positive impact on the property sales/contracts volume registered with the Land registry department. The sales volumes of 2017 clearly indicate a recovery of the property market, and the trend should be expected to continue in 2018, as the economy expands further.
Improved confidence was noted in the Cypriot economy and especially within the banking sector, due to the Government’s sincere efforts in attracting overseas investments through a number of initiatives like the Permanent Residency program, the Cypriot Citizenship Scheme, as well as tax incentives, which all had a positive impact on the market, therefore resulting in higher sale contracts/transactions during 2017. This created confidence and stability in the market.
Despite some issues which are still existing today, such as NPL, financial institutions have, during 2017, been more willing to provide access to finance and there is now an increasing interest from locals and overseas investors/buyers. As indicators improve and Financial institutions ease out access to finance, in 2018 we are most likely going to see a further increase in property prices in Cyprus, coupled with constantly increasing demand and more confidence in the market and the country in general.
On an annual basis the Cyprus Property Price Index recorded increases in prices in all cities and asset classes, with significant increases recorded in Limassol. Nicosia, Larnaca, Paphos and Paralimni have shown smaller annual increases. Limassol reported the highest increase in apartment prices (3.8%), in comparison to all other cities and major towns. Rental values across Cyprus, have shown a considerable increase which was made more apparent in the second half of 2017.
Looking at Rental prices in Q2 of 2017 compared to Q2 of 2016, shows that apartment rents have risen 8.3%, while house rents have risen 10.2%. Rents for retail have risen 6.8%,rents for offices 14.4% and rents for warehouses have risen to 4.2%.
All asset classes have shown a consecutive quarterly growth. This can be seen through the increase in gross yields at the end of Q2 of 2017, with average gross yields standing at 4.1% for apartments, 5.4% for houses, 4.3% for retail, 4.3% for warehouses, and 4.9% for offices. Once the results of the second half of 2017 are published, these indicators are expected to show an even higher increase.
The parallel reduction and/or stabilisation in capital values and rents is keeping investment yields relatively stable and at low levels (compared to yields overseas). This suggests that there still seems to be room for repricing of capital values to take place, especially for properties in secondary locations, thus correcting the real estate industry and creating an even more stable market.
Therefore, it seems safe to say that a steady recovery in the Cypriot property market is expected within 2018, with demand expected to continue progressively.
If you’d like to get some individual advice on how to invest in the Cyprus property market and/or finance your investment property and/or to become a property investor, please feel free to contact MARIO APOSTOLOU Leading Property Expert on email [email protected] We are happy to arrange to have a chat over the phone or meet with you to review your personal circumstances and create the right strategy and structure for you, and help you calculate how much you can afford to invest.

03/08/2016

Talking about uncertainty in the UK property market due to BREXIT......!
How About this ?
A double garage in an upmarket part of London-Chelsea was sold for a record-breaking £670,000 last week at Savvils Auction!
Mind blowing is it not?.

15/05/2016

THE FUTURE of LONDON's PROPERTY MARKET

As a result of the phenomenal changes of the tax duty and taxation directives in this year’s budget, an attempt to review the UK property market is necessary.

Historically property buyers of second homes had been reluctant to trade out of the London market given the extent of house price growth post down turn. This today seems to be changing.

The stamp duty costs associated with upsizing out of the centre of the capital combined with the various limits on what can be borrowed are acting as a brake on London house price growth and a catalyst for a greater flow of wealth into the prime regional housing markets around and out of London.
Historic stamp duty increases in UK 2016 budget have by now been priced into the market. Additionally though taxation is likely to continue to shape the property market well into the future. Additional homes now carry 3% surcharge which is likely to mean that second homes and seaside property markets remain price sensitive.

The 3% surcharge on additional homes is likely to make London buyers to be less inclined to keep a foothold in the London property market when moving out of the capital city. Therefore if London buyers reinvest all their London equity into key commuter towns this will mean more demand for higher value property in these locations.
However, bridging finance is likely to become both more difficult and more expensive, having a negative effect on property prices.
The relative value offered by prime housing in the commuter zone compared to London, and between homes beyond the commuter zone compared to those within it, is likely to sustain the ripple effect out of London especially as sentiment improves.

A weaker economic outlook for the whole of the UK economy and uncertainty around UK’s relationship with the EU, indicate that it will take some time for that sentiment to build.
Consequently, the forecast is that prices in the prime regional markets will only increase by an average of 2.5% across 2016. On the flipside, it appears that this will be against the context of interest rates staying lower for longer. This will allow the ripple effect from London to spread more widely as confidence picks up, meaning that over the next 5 years the average property price growth may reach or exceed 22%in total.

If you’d like to get some individual advice on how to finance your investment property and/or to become a property investor, please feel free to contact MARIO APOSTOLOU Leading Property Expert on +44 7789277789 or email [email protected] We are happy to arrange to have a chat over the phone or meet with you to review your personal circumstances and create the right strategy and structure for you, and help you calculate how much you can afford to invest.

15/05/2016

INVESTING in PROPERTY
If you want to keep up to date with what's happening in the property market or you are seriously interested in investing in it Hansdfree and without any effort from your side, then please LIKE this Page. You will find Mario Apostolou our ‘Leading Property Expert’ posting lots of valuable information about the property market & Joint Venture Investment opportunities both in London and abroad. So if you are thinking of Investing in the property market either now or in the future find information here on how to invest safely, securely, profitably and Hansfree with MARIO APOSTOLOU........and much much more, thanks Facebook friends. :-)

If you’d like to get some individual advice on how to finance your investment property and/or to become a property investor, please feel free to contact MARIO APOSTOLOU Leading Property Expert on +44 7789277789 or email [email protected] We are happy to arrange to have a chat over the phone or meet with you to review your personal circumstances and create the right strategy and structure for you, and help you calculate how much you can afford to invest.

15/05/2016

THE FUTURE of LONDON's PROPERTY MARKET

As a result of the phenomenal changes of the tax duty and taxation directives in this year’s budget, an attempt to review the UK property market is necessary.

Historically property buyers of second homes had been reluctant to trade out of the London market given the extent of house price growth post down turn. This today seems to be changing.

The stamp duty costs associated with upsizing out of the centre of the capital combined with the various limits on what can be borrowed are acting as a brake on London house price growth and a catalyst for a greater flow of wealth into the prime regional housing markets around and out of London.
Historic stamp duty increases in UK 2016 budget have by now been priced into the market. Additionally though taxation is likely to continue to shape the property market well into the future. Additional homes now carry 3% surcharge which is likely to mean that second homes and seaside property markets remain price sensitive.

The 3% surcharge on additional homes is likely to make London buyers to be less inclined to keep a foothold in the London property market when moving out of the capital city. Therefore if London buyers reinvest all their London equity into key commuter towns this will mean more demand for higher value property in these locations.
However, bridging finance is likely to become both more difficult and more expensive, having a negative effect on property prices.
The relative value offered by prime housing in the commuter zone compared to London, and between homes beyond the commuter zone compared to those within it, is likely to sustain the ripple effect out of London especially as sentiment improves.

A weaker economic outlook for the whole of the UK economy and uncertainty around UK’s relationship with the EU, indicate that it will take some time for that sentiment to build.
Consequently, the forecast is that prices in the prime regional markets will only increase by an average of 2.5% across 2016. On the flipside, it appears that this will be against the context of interest rates staying lower for longer. This will allow the ripple effect from London to spread more widely as confidence picks up, meaning that over the next 5 years the average property price growth may reach or exceed 22%in total.

If you’d like to get some individual advice on how to finance your investment property and/or to become a property investor, please feel free to contact MARIO APOSTOLOU Leading Property Expert on +44 7789277789 or email [email protected] We are happy to arrange to have a chat over the phone or meet with you to review your personal circumstances and create the right strategy and structure for you, and help you calculate how much you can afford to invest.

28/03/2016

5 WAYS to IDENTIFY a HEALTHY PROPERTY MARKET

The property market may seem like an overwhelming mix of numbers, legals, jargon, cycles and advice. Knowing what the property market is doing and where is heading is a challenge but I believe in learning as much as possible. Read the statistics, watch out for articles on property or the economy, talk to experts and learn a much as you can. This way you can make your own decisions, rather than relying on someone else telling you what to do.
Today I will be sharing with you, the 5 most important ways to identify a healthy property market so you can take control of your investing choices.

A. The first thing to look for is the number of property sales. When it comes to property development there are multiple stages, beginning with acquisition, through to planning, civil works, roads, and finally registered titled lots ready to be transferred to the end user. If developers are selling all of their stock before everything is complete, that is a good sign that the market is warming up. If there are thousands of completed properties sitting there unsold, that means the market is slow.

B. When the market is healthy, you will be able to see the media/press increasingly reporting good news and numerous property stories. As the growth cycle moves upwards, developers are the first to act. Following that, around 12 months later, the media catch on and start reporting. That pushes the market up to its peak because that’s when your everyday investors catch on and open their wallets. Keep an eye out for the ‘b’ word in the press (that’s ‘bubble’), because that is a good sign that the market is hot or at the very least overheating.

C. Underlying to any market movement is the economy; therefore it is wise to keep an eye on your country’s economy. If the economy is flat, depending on how flat and why, then the property market may sit flat too (unless you are in London that many foreign investors saw it as a safe place to invest and a flat economy was never a hindrance or an obstacle for them to invest in, even during financially difficult times) . Additionally watch out for the rental market. In particular look for 2 things: low rental vacancy rates in a market and/or for rising rental prices. Simply, due to the nature of supply and demand, the rising cost of rentals equals to an increased need for housing. An increased demand for property means a healthy market.

D. When the market is booming, development and government incentives begin to dwindle. Incentives, like the First Time Home Buyers Grant and many others, are put in place to get people into the property market, driving the economy up, reducing unemployment and reigniting the industry in general. So when these incentives are harder to come by, that means the property market is healthy.

E. If you’re selling a property, and if once you have listed it you immediately receive multiple offers, that is a sign of a healthy market. This is tracked via a mechanism called average days on the market. Alternatively if you are selling at auction, you will receive crowds of people attending, which is what we’re seeing in London at the moment.

It is important to note that due to the nature of the property market these five identifiers will not always line up at once, but if you have got three or more of these, then the market is fairly healthy, which is great news for investors.

MARIO APOSTOLOU
LEADING PROPERTY EXPERT
Follow on Twitter

If you're keen to build your own Property Portfolio, you may wish to meet with Mr. Apostolou a Leading Property Expert, to review your personal circumstances, select the right markets to invest in and create a strategic plan of action exclusively for you.

If you would like to come along for a more private discussion, please feel free to contact our office +447789277789 or email [email protected]

Mario Apostolou

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