Estate MAGAZINE VOL 12 / APR 2 01 8
BY FLAMBARD WILLIAMS
b itcoin vers u s p r oper ty
IN VE S TIN G FOR YOUR FA M ILYâ€™S FU TU RE
TH E L ATE S T DE VE L OP ME N T S
WHERE IS BEST TO INVEST YOUR MONEY?
SAFEGUARDING YOU AND YOUR CHILDREN
OUR EXCITING NEW LAUNCHES
Estate Magazine We lc o m e to y o u r m o nt h l y e d it io n o f a l l o f th e late st p ro p e r t y new s , e x c l u s ive deve lo p m e n ts & in f o r m a t ive c it y g u id e s
INTRODU CTION Welcome to Estate, the property magazine brought to you by Flambard Williams, the UKâ€™s award-winning property specialists. Each issue we will include a selection of all of our latest properties, not forgetting exclusive property news, tips & tricks.
CONTACT U S The Aquarium Lower Anchor Street Chelmsford United Kingdom Phone: +44 (0)207 183 0646 Email: email@example.com Website: www.flambardwilliams.co.uk
PAGE OF CONTENTS
LIVERPOOL’S L AT E S T
THIS MONTH’S PROPERTY NEWS
x 1 the tower
B ITC OIN VS. P ROP E RTY:
The fifth and final phase of X1 The
Where is the best place to invest
Quarter, an award-winning development
N AT EX
OU R N E W mob il e a p p
The latest purpose-built student
Have you seen the brand new Flambard
development in Liverpool city centre
Williams app? Check it out now!
th e v i ew
In ve s tin g for you r fa m i ly
High quality apartments with strong
We share our tips to help you invest for
income and capital growth potential
your family’s future
THIS MONTH’S F E AT U R E D
MANCHESTER’S L AT E S T
w indsor c our t
RE GE N T P L A ZA
A fantastic new Luton development set
Perfectly located, consisting of 525
to be the hub for a thriving community
new luxury residential apartments
N U MBER 47
M a n h atta n
A fantastic purpose-built student
New York luxury, made in the beating
development, in Leicester city centre
heart of the city of Manchester
n apier c our t
oX YGE N TOW E R
The latest luxury modern Luton
Manchester’s modern vertical
development not to be missed!
village, with fantastic amenities
CONTRIBUTORS MAN AGIN G DIRE C TOR Christopher Whetstone
ED ITOR & H E A D OF MA RKE TIN G Jannaire Faulkner
S U B E DITOR Martyn Taylor
SA L E S DIRE C TOR Paul Tillett
PR OPE RTY C ON S U LTA N TS Charleigh Cooper Niro Satkunalingam Jack Percival Yingkit Tang Elliot Whitlam Ben Harding
LETTERS FROM EDITOR We l c o m e to T he Ap ril Issue In this months issue, we take a look at both Bitcoin and property investments, and where is best to place your money, depending on your goals as an investor. We also share our advice for investing for your family’s future, and why it’s better to start sooner rather than later. What’s more, we have even more exciting new developments in the UK’s property hotspots, Liverpool and Manchester! Go to pages 12 & 34 to take a look. For more information about any of the features in this magazine, or if you are interested in advertising with us, please do get in touch.
e s tat e m a g a z i n e 7
quay Central Quay Central, Liverpool From £1 36,000 Quay Central is a high-specification new-build development located in a core part of Liverpool Water’s future cultural and leisure hub - Central Docks. Reflecting Liverpool’s industrious heritage, the building’s exteriors exude a warehouse aesthetic to fit in with the area’s ambience. With spectacular views of the River Mersey provided by these waterfront apartments, Quay Central will create a lifestyle in a location like no other. The apartments have been designed to the highest specification and will provide a fantastic spacious living environment for its resident, while they are also able to enjoy the world-class leisure facilities that this iconic waterfront setting provides, including restaurants, cafes and bars, in addition to new retail spaces.
spectacular views of the river mersey, located in liverpoolâ€™s cultural & leisure hub
x 1 THE
t o w e r X1 The Tower, Liverpool From ÂŁ1 09,995 The Tower is the fifth and final phase of X1 The Quarter, an award-winning development near the beautiful Liverpool waterfront, with all previous phases sold out and fully tenanted. The success of the previous phases demonstrate the huge demand for prime residential accommodation in Liverpool and X1 The Tower is sure to prove popular with both investors and future tenants. The excellent specification of the apartments and the design, ensure that apartments at The Tower will provide a thoroughly modern and cosmopolitan living experience. Tenants will also be able to enjoy a communal residents lounge and secure car parking, which is available on selected apartments. This 24-storey luxury development will become an iconic part of the city and a fantastic addition to the local rental market, where the historic city of Liverpool and the cityâ€™s famous dockyards will provide the tenants truly unbeatable views.
The excellent specification ensures that The Tower will provide a thoroughly modern and cosmopolitan living experience
Explore NATEX Natex, Liverpool Fro m £62 ,5 00 Natex is a 566 unit student scheme with two blocks of 10 and 16 storeys comprising of 472 clusters and 94 studio apartments. The scheme is located in the heart of Liverpool and just is a 5 minute walk from the University of Liverpool and John Moores University. Strong demand is expected from all students, especially postgraduates and overseas students. Natex offers a variety of accommodation units, from cluster bedrooms to studios, offering choice for post graduate and older students, at a variety of price points. The plans to invest £1bn to expand Liverpool’s Knowledge Quarter is to create a 1.8million sq ft science, health and technology hub, attracting world class companies, reinforcing Liverpool’s reputation as a global leader in medicine and technology. The expansion of the Knowledge Quarter will be a major draw for international students, University of Liverpool already having over 34% international students, compared to a UK average of 25%.
FANTASTIC STUDENT FACILITIES, INCLUDING A RESIDENTS GYMNASIUM, GAMES ROOM AND CAFE
T HE VIE W The View, Liverpool Fro m £8 5 ,000 The properties feature bedrooms with stylish fitted wardrobes, chic well-appointed bathrooms, built-in storage and contemporary kitchens. The bright and spacious rooms provide the freedom and comfort to unwind from the hustle and bustle of the city. Expansive, spacious and light – The high quality design makes the most of the space, creating an ideal atmosphere to relax and entertain in. The development provides a mix of 48 self-contained studios and one-bedroom apartments ranging in size from 310 sq ft-473 sq ft. The majority of the apartments benefit from private external amenity space and all apartments have excellent city or river views. The ground floor consists of a residential entrance lobby with direct access to an external resident’s courtyard, a resident’s gym, bike-storage facilities and a bin store. There is an additional external resident’s terrace located on the first-floor level, which is accessed via the main access stairs.
Expansive, spacious and light, the high quality design makes the most of the space, creating an ideal atomosphere to relax and entertain in
Bitcoin Vs. Property where is best to invest? This week we take a look at Bitcoin, a buzzword in the investorâ€™s world, and an investment that many believe has taken the market by storm. We find out if Bitcoin really is a strong investment strategy in 2018, and how it compares with investing in the UK property market.
Over the last few months, everyone I talk to seems to bring up Crypto
currency, and more specifically the term Bitcoin. This all started last October, when all of a sudden the price of a bitcoin made a dramatic leap in value, offering any lucky investor at the time phenomenal rewards. Letâ€™s put some numbers on this, so in Mid October 2017 the value of a bitcoin sat at $5,500. Then after a 2 month rally, the value hit just over $19,000. Fast forward another month and that same bitcoin was then worth $7,000, and today as I write this, the value sits at $9,900. I am guessing you have already realised that investing in bitcoin despite offering dramatic returns to the lucky investors that sold out at the higher prices is a risky business, and not for the faint-hearted. So why am I discussing this in a property magazine, and why are you the reader, still reading? Well, this is a hot topic that has captured the imagination, and is delivering outstanding returns in an era when getting a good return on your investments can be difficult. However, to achieve double-digit returns you donâ€™t have to necessarily jump into the bitcoin market, property is still an investors favourite, and for a very good reason.
b it coin ve rs u s p r op er ty in v es t me nt According to figures recently published by Halifax, the number of first-time buyers is nearing a peak last seen in 2006, just below the figure achieved in 2007 when 359,900 first time buyers came to the market. Despite the level of deposits that are required, this is almost doubling in size in the same period. I know you are now thinking here we go, the usual story about how property is still the best product to invest in, how easy it is to make money, and that it is a safe place to invest your hard-earned cash. Well yes it is, but thereâ€™s more to it than that. Letâ€™s start to take a look at the interest behind the figures, particularly the demand for property from first-time buyers driving prices up, a key component to a strong property market.
Russell Galley, Managing Director at Halifax said, â€œA flow of new buyers into home ownership is vital for the overall well-being of the UK housing market. This ten-year high in the number of first-time buyers shows continued healthy movement in this key area, despite the shortage of homes and the ongoing challenge of saving enough of a deposit. Low mortgage rates, high levels of employment and Government
PROPERTY ADVICE schemes such as Help to Buy have helped the first-time buyers become a much greater segment of the market, and the recent abolition of Stamp Duty costs on purchases of up to £300,000 is likely to continue stimulating this growth by reducing the upfront costs associated with taking the first step on to the property ladder.” This is all good news for a market that many have been concerned is becoming stretched, and one that first-time buyers are finding it difficult to get involved. Statistics show, that despite the latest moves the market is in rude health and is being built on firm foundations.
Again this is all good news for investors in property, and if you have done your homework and follow your business plan you should look to a very healthy future in the property sector, still a darling of the UK, not just a short-term rollercoaster ride that you will no doubt encounter if you decide to enter the crypto currency market. _
This is all good news for the investor, as there is still a severe shortage in the markets, now exacerbated by the number of first-time buyers growing, with a workforce that is becoming more transient,demand for rented property in key areas remains high.
If you would like to speak to one of our award-winning brokers for more advice or information about earning more from your money, call Flambard Williams today on: 0207 183 0646. We are more than happy to help provide you with free, no obligation investment advice.
At this point you may say, ‘well why are the government making life tougher for investors/landlords and changing rules, raising the bar for people to get involved in the BTL market?’ This in part is due to the realisation that the rental market is growing faster than imagined and the need to lift standards protecting both landlords and tenants alike is key for this sector if it is to flourish and grow. 19
Simply search for â€˜AR Property Investment Wizardâ€™ on the App Store. For more information about our
r new app, please get in touch or go to www.flambardwilliams.co.uk/property-investment-wizard-app/
investing in y o u r f a m i ly â€™ s f u t u r e Everyone wants to safeguard their future and their childrenâ€™s future if possible, it is something that we aspire to do and something you should look to do as soon as you are able to. We share our helpful tips and advice for how investing in property can help you help your family and their future, and how to get started in the property investment field.
i nv es t ing i n yo u r fa m i ly â€™s f utur e So where to start? Well, many of us have pensions and contribute to those in a very conventional manner, but with the interest rates set to remain low for the foreseeable future, the likelihood of annuity rates hitting the higher rates that pensioners require still remains a distant dream. As a result of this and many other factors, the government has allowed people to unlock their pensions in ways that allow them to diversify and maximise the earnings they make away from traditional means. This allows people to invest in property, a sector that has continued to grow in the UK and is scheduled to continue as affordability, lifestyle choices, and a more continental approach to renting property takes hold and sees the buy to let sector grow.
INVESTING IN THE RIGHT AREAS Property has always been popular and owning your own property continues to be the ambition of most people, but opinions are changing and it would seem that although this does still apply, itâ€™s becoming less essential as millennials choose lifestyle over owning stuff. 24
It would seem that many younger people have become accustomed to renting, and as this trend continues, the opportunity to become a landlord and enter the buy to let market becomes even more attractive. So, what returns should you expect to get in property, and why property? Obviously, returns do vary, and therefore there is not a definitive answer, that said, if you set yourself a target as we always say when starting out, by doing a business plan, then you could reasonably to expect returns of between 3% - 10% in areas that have potential growth story too. If you find areas with higher returns they tend to be located in parts of the country that are unlikely to see much (if any) growth. This range covers London at the lower
end, around 3%, but generally most investors look for a return of 5% or more and for that you generally have to travel North and look at property in the ever-growing Northern Powerhouse sector, namely, Manchester, Liverpool, Sheffield, and Leeds to name a few.Â These areas offer the investor the returns they
PROPERTY ADVICE are looking for, and also offer the extra added bonus of above-average growth as this region is undergoing a major change, bringing with it new businesses and an ever growing and economically richer workforce.
for your later years, that you can pass on to the family keeping their future and your grandchildrenâ€™s future secure for many years thereafter.
BUILDING A PORTFOLIO So, why would you wait to start investing in property? If you are ready to start saving then the sooner you start the easier things will be later in life, and the easier it is to build a portfolio. Many worry that they are paying too much for a property at present as prices are moving in the areas they are looking in. Well yes, they have risen, but this type of investment, like a pension, is a long-term play, and so should be viewed in those terms. Unlike a pension, your property investment will start paying out from the get-go, not only covering the funding but providing an income whilst paying the debt down. So for a secure, and in many ways, an interesting pastime, entering the buy to let market offers the sensible investor a very secure future for both them and their loved ones, and as a legacy is the best thing you can do to secure a future for your whole family.
SAFE AND SECURE INCOME With returns that look this attractive, most people look for a catch, well there is none, these are properties that you buy, sit back and let them work for you providing a safe and secure income. Why secure? well, you can actually see what you own, you have a deed that says you own it and you are in full control of what you do with that property. Unlike shares in a company or bonds, the actual physical manifestation of the property itself is a very fulfilling and satisfying element of purchasing property. You donâ€™t lose them like share certificates, or forget about them. Another advantage is that you can provide a starter home for your children, allowing them to stay in your properties for a rent that just covers bills, allowing them to save for the future, and possibly a home of their own. All of this is very important when looking at property, remember you not only get a great return, you have a physical investment that you can use to help family members, and later that provides you with income and security
If you would like any more information about investing in property for your familyâ€™s future, get in touch with one of our award-winning brokers today. 25
centenary house Centenary House, Leeds Fro m £1 2 7 ,000 Part of the Northern Powerhouse, Leeds is a major city with a population of 781,000. The city is the heart of Leeds City Region (LCR), a cluster of 10 local authorities with a combined population of 3 million. Worth over £60 billion, the region’s economy is the largest outside London and accounts for 5% of the UK’s economic output. LCR’s population has grown 3.1% over the past five years with a further 2.5% growth forecast for the next five years. Leeds has also seen the UK’s highest growth of private sector jobs at 6.1% in 2015, ahead of London at 4.4% and well above the national average of 2.5%. Vacancy rates in the housing market have fallen from 5% in 2010 to just 2.5% in 2016 and are pushing prices upwards. JLL’s rental growth forecast suggests that Leeds is set to have one of the UK’s largest rental growth over the next five years at 22.2%. Simultaneously, with a projected house price growth of 21.6% between 2017 and 2021, JLL forecasts that the annual price growth in Leeds will surpass Manchester, Liverpool and other major UK cities by 2020.
L E E D S W I L L H AV E T H E 7 T H FA S T E S T G R OW I N G R E S I D E N T U K P O P U L AT I O N U P T O 2 0 2 0
W IND SOR COURT LUTON With 238 luxury 1 & 2 bed high end apartments just a short walk from Luton’s vibrant town centre, Windsor Point is set to be one of Luton’s premier developments. High quality design make the most use of space creating the ideal atmosphere to relax and entertain. With an eye for detail and careful research, our emphasis is on simple design-led solutions to create efficient and stylish living spaces to a contemporary and elegant finish. By building an outdoor communal space central to the development, residents can stop, take stock and relax. At the very heart of Windsor Court will be it’s gardens, with large seating areas and manicured landscapes, it’s expected to become the hub for a thriving resident community.
A F U L LY S E C U R E A N D U N I Q U E I N V E S T M E N T O P P O RT U N I T Y F O R A M O D E R N & U R BA N C O M M U N I T Y
Number 47 #47, Leicester Fro m ÂŁ7 3,900 When it comes to purpose built student accommodation, itâ€™s all about the location. #47 is ideally located in the very heart of Leicester City Centre, providing 47 luxury student studios and offering investors a fantastic opportunity to purchase a quality development in a major UK city. Take advantage of a market which is structurally undersupplied, where demand is high and rents are rising. This is one of the most safest and affordable investment opportunities available, in an excellent location and belonging to an asset class that has outperformed all others for at least 5 years. Spread over a brand new 7 storey building, each studio and flat will be completely self-contained, with private kitchens, bathrooms, and will be fully furnished. They even each have their own balcony! The development will also feature high quality finishes and energy efficient technology, ensuring the ultimate experience in contemporary living for discerning residents and long term sustainability.
#4 7 I S N OW O F F E R I N G A N E X C L U S I V E 8% Y I E L D S A S S U R E D FOR 5 YEARS
NAP IER C OURT LUTON â€˘ LONDON Napier Court provides the ultimate modern living experience with Architects having designed each apartment with space in mind. Sophisticated finishing touches have been introduced to find the right balance between style and comfort. Enjoy the ultimate in luxury for your dining and living space with a range of high end features and your own space to unwind and revitalise. Contemporary style meets luxurious finishes and intuitive design to maximise space. You can be assured that each and every apartment has been carefully designed to maximise the space for you to live, relax and enjoy. Ideally located in a vibrant town close to central London, youâ€™ll find that Napier Court is the perfect place to call home.
C O N T E M P O R A RY S T Y L E M E E T S LUXURIOUS FINISHES & INTUITIVE D E S I G N T O M A X I M I S E S PAC E
old trafford No.1 Old Trafford, Greater Manchester Fro m £1 4 9,000 Ideally situated with close connections to Manchester’s key leisure and employment hubs, No.1 Trafford Wharf is a modern development which retains its residential appeal with a stunning riverside setting and spacious, green communal area. The development will be next to the upcoming Wharfside tram stop, providing fast and reliable access to the city and all of Manchester’s major shopping lifestyle and entertainment districts. With features such as a communal podium and roof terrace with views of the city and MediaCityUK, retail space on the ground floor, along with a 24/7 concierge, this development is set to be one of the most sought after in the city.
regent plaza Regent Plaza, Salford From ÂŁ1 4 1 ,000 A new addition to the Manchester skyline, Regent Plaza consists of 525 new residential apartments, which are made up of a mixture of Apartments, Townhouses and some commercial. Regent Plaza represents a vibrant regeneration scheme for a key area of the city, where the private rental market is particularly buoyant and demand for well appointed properties is increasing. It is strategically located tobenefit from existing local amenities and to link together with other planned residential development schemes in the vicinity, as well as standing community infrastructure. Regent Plaza is situated on a major thoroughfare between the M602 and Manchester city centre, this is a convenient location, offering living arrangements to suit everyone from single professionals to families. In its development stage, the scheme will provide a boost for the local economy by acting as a major new employer for the area. On completion, Regent Plaza will bolster the community and add an attractive aspect to the eastern approach to the city.
manhattan Manhattan, Manchester From £3 5 0,1 2 3 Welcome to Manhattan, Manchester’s newest ultra premium apartment building. Situated in the beating heart of the city, just off New York Street sitting at the entrance to Chinatown, the development comprises 42 one and two bedroom apartments with opulent interiors, a full concierge and a multi-level garden wall housing each apartment’s private terrace. Marrying contemporary and industrial architecture, this exclusive development brings the epitome of New York loft style elegance to the vibrant connections of an M1 city centre postcode. Situated off New York street at the entrance of Chinatown, Manhattan is home to 42 luxury one and two bedroom apartments. On leaving Manhattan, residents can step out straight into the second largest Chinatown in the UK, with the business district, the cultural quarter and the Piccadilly travel hub accessible within a five minute walk. Part of Manchester’s progressive attitude and youthful energy is fuelled by the 90,000 students that attend its leading universities and colleges, increased to 400,000 students attending universities within an hours drive. One of the largest student populations in Europe, this includes 20,000 international students that travel here from more than 180 countries.
NEW YORK LUXURY, MADE IN MANCHESTER
oxygen Tower Oxygen Tower, Manchester From ÂŁ3 1 0,61 1 Oxygen is a 31 story neighbourhood located in Manchesterâ€™s emerging Piccadilly Basin district. A short walk to the bustling bohemian Northern Quarter and regenerated Piccadilly hub, this new luxury development combines the highest build quality with hotel-standard leisure facilities and breathtaking views of a rising global destination. Oxygen is designed as a modern vertical village offering a diverse range of accommodation and amenities to support a thriving new urban community. At the heart of the building is a vibrant social hub which offers residents a wealth of luxury leisure amenities featuring a gymnasium, spa and shared outdoor spaces including a garden terrace of stepped allotments on the south corner of the building. Every apartment and townhouse is finished to exceptionally high standards. Full height windows flood the space with natural daylight and balconies offer panoramic views over the city and the Peak District National Park beyond.
A MODERN VERTICLE VILLAGE, WITH A DIVERSE RANGE OF AMENITIES
In this month's magazine, we take a look at Bitcoin, and how this compares with property investment. Not only this, but if you are thinking...
Published on Apr 4, 2018
In this month's magazine, we take a look at Bitcoin, and how this compares with property investment. Not only this, but if you are thinking...