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The ways to invest in UK residential property
► Joint Equity Investment Partnerships -
Joint Equity Investment Partnerships (JEIPs) are the ethical way to invest in residential property and are more profitable than Buy to Let.
JEIPs.Owning Buy to Let properties is time consuming and open to abuse from tenants and agents. Joint Equity offers routes to investment that are simple, transparent, low costs, low risk and well secured.
Joint Equity investments are also ethical because whenever you make money so does your Owner Partner and without your help the Owner Partner would not be able to buy their own home condemned to stay in rented homes for years to come.
We have therefore developed the innovative Joint Equity Investment Partnerships, JEIPs, which are incorporated as Limited Liability Companies or occasionally as Limited Liability Partnerships, (more on LLPs here) depending on circumstances.
The fundamental thinking is to develop a simple, easy to manage way for Investor Partners to invest their money in ethical Joint Equity properties.
The Ltd companies are Single Purpose Vehicles which can only invest in Joint Equity Properties.
As an investor your involvement is limited as the management of the company is provided for by the Director.
You are provided with management accounts every 6 months and returns are paid quarterly,
You may also want to look at our primary web sites for even more information, never say Joint Equity doesn’t tell you everything !!!!
www.ethical-
The most common way to invest in residential property in the UK is Buy to Let.
However anyone justifies investing in Buy to Let, you have to accept it is not an ethical way to invest. Why?
The young couple are rejected by the lender because they do not have enough cash as a deposit or their salary will not allow high enough borrowing.
The lender will provide a mortgage to the investor, who has an existing home with lots of equity, to buy a Buy to Let house.
The young couple rent the house from the Buy to Let investor.
The rent the young couple pay the investor is about the same cost as the mortgage would have been.
So the young couple pay the investors mortgage BUT have no ownership and that means if the value of the property goes up they get no benefit. Only the investor benefits.
The lender says that they cannot lend the young couple the amount to buy the house as they do not earn enough, BUT they are quite content for them to pay the same amount to an investor. They hide behind the excuse of the risk is too high to lend them the money to buy their own home.
Joint Equity Investment Partnerships & JEIPs are trading names of Joint Equity Ltd
Joint Equity Ltd works with Mortgage Beaters Ltd to provide case studies & Illustrations to prospective Owner-
Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, which is authorised and regulated by the Financial Services Authority.
The content of this website is accurate to the best of our knowledge and for information only. We do not provide financial advice.
There are three primary routes to invest in UK residential property
- The most common and popular is Buy to Let.
- The second are funds linked to property price indices.
- Now we also have Joint Equity
► Property Index Funds
These are effectively gambling and extremely unethical and we will not discuss further.
► Buy to Let Investment Funds
These are relatively new and are like Unit Trusts for the Buy to Let sector. Quite good risk profile for the investor but have huge fees and costs from the investment managers and the agents.
They are of course not good for the occupier but that is not their objective
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