Apart from holding multiple residential and commercial properties, including caravan parks and motels across multiple states, Property Alchemy’s Penelope Valentine also provides property management services for her fellow investors, particularly in the Northern Beaches, South Coast and eastern and western suburbs of New South Wales.

As an investor and a property professional, Ms Valentine works to understand the fluctuations that have been happening in most major property markets in the country, particularly in Sydney and Melbourne, which continuously see value declines following the end of the property boom.

However, despite the negative headlines in the media, she remains positive about the assets that she holds and manages in the capital cities.

According to Ms Valentine: “I think there’s so much hype in the media but the media needs hype to sell, right? Actually, we’re just going through a market cycle. I don’t know whether people remember, but these cycles happen.”

Right now, it’s business as usual, and the investors who are able to thrive in the current market are those who continue to make logical decisions, as usual.

“Properties may take a week longer to lease, but there’s things you can do to lease a property, and it’s not just all about dropping the rent. It’s price presentation and positioning, too. We can always find great tenants if we make sure to listen to what’s going on in the market react quickly.”

“You can’t just keep doing the same thing and expect a different result. You have to be proactive and you need to have a great database. You’ve got to do a bit more hustle—that’s what it’s about,” the investor and property manager highlighted.

Being able to hold and maintain assets for the long-term has become more critical to property investment success as the Australian property market continue to go through a softening phase.

As such, identifying the right property manager could spell the difference between thriving in the market and delaying a wealth-creation journey. Ms Valentine believes that every investor must understand the process of the property manager before ultimately getting them onboard.

“A lot of people just go to an agency and then get given a property manager. They don’t know if that property manager just started their career a couple months ago or if they’re on their way out or they’re aspiring to be a sales agent or if they’ve been trained properly,” she said.

Ms Valentine strongly encouraged investors to take the time to conduct a few interviews in order to get acquainted with their entire process and understand how it can fit into your broader investment strategy.

At the end of the day, it’s going to be a relationship between the investor and the property manager and as such, understanding is key to fruitful collaborations moving forward.

“Understand who’s going to be communicating with you and how do they operate, what do they do differently from other property managers,” she said.

Finally, Ms Valentine stressed the importance of tenure in order to avoid the hassle of having to ‘start from the bottom’. According to her, the average tenure of good property managers is 18 months.

According to her: “If you start building a relationship with a property manager and they know everything about one of your properties, then they leave and you get someone new coming in, you have to educate this person again on what’s happening with your property, what happened with the last tenant. It’s a lot of work for an investor. When you choose to give your investment property to an agency or property manager, understand how they operate.”

In today’s market, the resilience and discipline of property professionals are becoming more important for investors who want to continue to thrive in the business of creating wealth.

By making sure that they got the best managers, investors can continue riding the waves of the property market and ultimately maximise the wealth-creation potential of their portfolio, Ms Valentine highlighted.

 

Tune in to Penelope Valentine’s episode on The Smart Property Investment Show to know more about her secrets to thriving in the current property market of Australia.

Adam Haddow, director of Sydney-based architecture and urban design studio SJB, said that Australians are increasingly trading environmental and financial costs of space for the social, monetary and ethical gains of compact living.

Quoted in the McGrath Report 2019, Mr Haddow said that affordability concerns have prompted an overhaul of planning laws, allowing for diversity to emerge as the new housing design buzzword.

“In the past, we had this fixed idea of what you got in a house: three bedrooms, backyard, maybe a pool,” the director said.

“That hasn’t gone away, but many people are realising they don’t need lawns to mow and four bedrooms. You used to need a desk and possibly an office; now you need a kitchen bench the right height for your laptop or a sunny courtyard with connectivity.

“These changes are dialling down in home design because we don’t need to create a space for study or work. It is more about creating spaces where people want to live.”

Here are Mr Haddow’s six hottest trends in urban residential design:

1. Repurposed living

When Australia embraced open-plan living at the start of the 21st century, there were inevitable casualties, the director continued.

“Goodbye formal dining and lounge rooms. Also over is home designers’ short-lived dalliance with the media room.

“Reflecting the shrinking size of Australian households, with couple-only households due to outnumber couples with children by 2030, dwellings will become more flexible with moveable walls allowing room conversions and adaptable furniture serving as room dividers.”

2. Smaller kitchens

Mr Haddow said that the popularity of home-delivered meals, along with our rising café and restaurant culture, has changed how Aussies think about kitchens.

“Food and drink delivery apps have exploded, with Australians spending $2.6 billion annually. We’re also eating out more. With 85,000 cafés, restaurants and takeaway food outlets, the average domestic household is spending $94 per week eating out two to three times per week.”

He said that kitchens have evolved from utility rooms to social and entertaining spaces.

“Prepping kitchens and butlers’ pantries are on-trend in new family home design.

“These small private spaces enable home chefs to get messy, away from guests’ eyes and without detracting from their home’s minimalist designer kitchens.”

3. Shared spaces

Modern developments are incorporating shared rooms such as laundries and yoga studios to suit changing lifestyles and add value and function to available space, according to Mr Haddow.

“Shared rooms arguably provide better value to young buyers who would rather pay less for a smaller crash pad that comes with a selection of outdoor areas where they can relax and entertain friends.

“Rooftops are becoming glamorous entertaining spaces with landscaped gardens, state-of-the-art barbecue facilities, café-style dining areas and chill-out zones.”

4. Garage parking

Our car-loving culture is rapidly changing, Mr Haddow added, with 3.1 million active Uber users and 100,000 GoGet members nationally.

“These share services, along with expanding public transport, environmental awareness and dedicated bicycle lanes, are reducing the need for parking on title,” the director said.

“What we are seeing is movement from majority to minority car ownership in the not too distant future. People are totally OK with using the one shared car on the street.”

5. Blue sky thinking

Mr Haddow said that textured housing exteriors made from recycled natural or industrial material like rammed earth, stone and bottle bricks are “in vogue”.

“Architects are also departing from the traditional square shape, with curvy facades maximising the illusion of space and spherical structures emulating igloos offering bolstered thermal efficiency.”

Mr Haddow also said that fifth wall feature ceilings with stencil art and complex imagery are becoming popular with “arty” home makers.

“All the rage when Michelangelo was painting churches in the 16th century and Marie Antoinette was decorating ceilings with mirrors in the 18th century. Today, some owners and designers are resurrecting it, realising that ceilings are a blank canvas for injecting personality and texture into a home.”

6. Green homes

Sustainability is becoming a major influence on home design, Mr Haddow said.

“Record levels of solar use and rising interest in battery power have resulted in the equivalent of 8.28 million households using renewable energy in 2017,” the director added.

“Savvy developers and home owners are fitting and retro-fitting properties to boost their appeal to an increasingly eco-conscious buyer pool.

“Low-cost improvements include draught sealing, insulation, low-flow showerheads and taps, window shading and low-wattage lighting.”

More product changes underway this month with our Buy-to-Let product. From rate changes to reductions in product fees, we are continuously making our broker’s and borrower’s lives easier through product innovation and key improvements to our internal processes. 

So what changes have we made to our Buy-to-let product this month?

 

1. Reduced our rates and fees

We are now offering our headline 5 year fixed mortgage at a pay rate of 3.60%, with an ICR rate of just 3.60%, a product fee of 1.00%, and a reversion rate of 3.80% + LIBOR – perfect for borrowers looking for leverage.

We have also reduced the rate of our 5 year fixed mortgage to 3.49%, with an ICR of 5.00% and a reduced product fee of 1.00%. Our product fee is now also reduced to 1.00% for all standard property and HMO mortgages.

 

2. We’ve covered legal costs and reduced valuation fees to £100

For a limited time we have reduced our valuation fee to £100 for all standard property cases, meaning we will pay both ours and the borrower’s legal fee scale costs for standard property, standard conveyance cases. 

 

3. Simplified our application process for multiple applications

We are also going the extra mile for portfolio landlords, helping you submit repeat cases that prevents you having to submit multiple applications.

If you are submitting a portfolio landlord case, just upload their property portfolio spreadsheet to our online portal and we will do the rest.

 

For the full detail on our product changes, visit the LendInvest Buy-to-let Lending Criteria here.

Investing in property and companies can be very rewarding, but it involves the following key risks:


1. Loss of Capital

Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth. By investing in property through Property Moose, there is a risk that you may not get back what you put in if property prices fall. You should not invest more money through the platform than you can afford to lose without altering your standard of living.


2. Illiquidity

Any investment you make through the platform will be highly illiquid. This means that you are unlikely to be able to sell your shares until and unless the investee company is sold or the property is sold at the end of the investment term. The securities you purchase through the platform are not listed on any exchange.


3. Rarity of Dividends

If a property receives rent this will be paid to the investors as a dividend net of any fees, costs and expenses. However, should a property not produce rent, or the rent be insufficient to cover the costs and expenses of operating the property, no dividends will be paid and you will be unlikely to see any return on your investment until the property is sold.


4. Diversification

Investing in property and unlisted shares should only be done as part of a diversified portfolio. This means that you should invest relatively small amounts in multiple businesses rather than a lot in one or two businesses. It also means that you should invest only a small proportion of your investable capital in startups as an asset class, with the majority of your investable capital invested in safer, more liquid assets.


5. Tax

You will be responsible for the payment of your own tax which may include capital gains and/or income tax. We do not provide tax advice and you should seek independent tax advice before investing if you are unsure of your position. It is still your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will effect your tax status you must seek professional advice before you invest. Each company you invest in will be liable for, and pay, corporation tax and any returns you receive will be paid to you net of any corporation tax due.


6. Advice

Property Moose does not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of Property Moose on the basis of information provided. Property Moose takes no responsibility for this information or for any recommendations, opinions or predictions.


7. Past Performance

Past performance is not a reliable indicator of future results. You should not rely on any past performance as a guarantee of future investment performance.


8. Future performance

Any projections of future performance are based on the internal calculations and opinions of Property Moose and are subject to change at any time. Forecasts are not a reliable indicator of future results and should not be relied on.


9. Financial Services Compensation Scheme

Investing through Property Moose is not covered by the Financial Services Compensation Scheme.


10. Client Classification

Before being allowed to invest, you will need to be classified as an investor type. You will need to provide the relevant information to us, which you warrant to be truthful and accurate, in order that we can classify you. Please follow the steps when signing up to complete this process. If you no longer fall into at least one of the categories of investor available, you will give immediate written notice to Property Moose and you will not access, or try to access the service unless and until you fall into one or more of these categories again.


11. Jurisdiction

The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where Property Moose is not authorised to provide such information or services. Some products and services described in the Site may not be available in all jurisdictions or to all clients.

This list of risk factors does not necessarily outline all possible risks involved. Prospective investors should read the Property Moose terms and conditions in their entirety and consult with their own advisers before deciding whether to invest. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.


The residential investment property market is under stress. It has desperately needed a new product, and major revamp, for some time.

Out of this adversity the Property Collect team are preparing to snap up great buys in strategic areas for investors to profit.

Property Collect has their residential investment trust registered with ASIC and their responsible entity and other compliance structures in place. They are ready.

“I think Property Collect will revolutionise the residential investment property market,” veteran property director and Property Collect founder Tim Wright said.

“Our BuyPower and BuildPower products are innovative, simple and the way of the future.”

With the Banking Royal Commission putting pressure on residential housing prices and APRA’s lending curbs stymying investor loans – the time is ripe for Property Collect.

When the right properties are uncovered, Property Collect wants to be “poised to strike”.

“We are all about research and value for our investors,” Wright said.

The Property Collect team has a mission to raise Australian investment property ownership from the current 1.9 million people today to 2.5 million people over a 5-year period.

“In this financial climate, residential property investors need to look at property in a whole new way.

“With record levels of personal debt and the financial burden now placed on property investors, it is becoming increasingly difficult for first time and repeat property investors to get into the market.”

Wright says the new “collective investment” model has strategic advantages over traditional property syndicates.

“With lower barriers to entry, safer exit structures, improved investor liquidity and a refined investment formula for returns, the Property Collect syndication program will be the first of its kind in Australia.”

“There is no longer any reason smaller investors should be left out of the property market.”

Wright says that the pool of residential property investors in Australia with cash availability between $20,000 to $80,000 was far larger than those who had more than the $90,000-plus required to purchase their investment property, and hence an alternative “bricks and mortar” investment solution was necessary to allow people to experience the benefit of residential property investment.

Property investors interested in making the most of their deductions may not be aware investment in new properties can hold almost $9,000 of tax deductions, according to Bradley Beer, CEO of BMT Tax Depreciation

“I would be surprised if thousands of investors couldn’t make claims exceeding $10,000 after owning a new investment property for a year,” Mr Beer said.

Investors are allowed to claim deductions on general property aging wear and tear and internal items breaking down, which is referred to as depreciation.

The first step on claiming depreciation, according to BMT Tax Depreciation, is on capital works deductions on a property’s structure and items permanently connected to the property, which can total $5,065 for one year.

This can then be repeated for the next 40 years, starting from the construction of the property.

Investors can also claim depreciation on removable plant and equipment assets.

These include:

  • Carpets (for $1,285);
  • Blinds (for $829);
  • Ovens (for $354);
  • Hot water systems (for $331);
  • Garbage bins (for $296);
  • Smoke alarms (for $268);
  • Cooktops (for $176);
  • Door closers (for $167); and
  • Exhaust fans (for $122).

Hanging onto a property for two years can result in even higher depreciation values, as Mr Beer noted many items depreciate at a higher rate in the second year.

Renovations can not only add value to a property, but also allow investors to find even more deductions to claim.

“Renovations can also be especially lucrative for property investors so they would be wise to review the depreciation value of different items before deciding on their final renovation strategy, as they may be able to offset some of the cost of the upgrade by being clever with what they purchase and how they renovate,” Mr Beer said.

While this is all applicable for new properties, Mr Beer mentioned second-hand properties are only applicable if contracts were exchanged before 7.30pm, 9 May 2017.

Investing in property and companies can be very rewarding, but it involves the following key risks:


1. Loss of Capital

Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth. By investing in property through Property Moose, there is a risk that you may not get back what you put in if property prices fall. You should not invest more money through the platform than you can afford to lose without altering your standard of living.


2. Illiquidity

Any investment you make through the platform will be highly illiquid. This means that you are unlikely to be able to sell your shares until and unless the investee company is sold or the property is sold at the end of the investment term. The securities you purchase through the platform are not listed on any exchange.


3. Rarity of Dividends

If a property receives rent this will be paid to the investors as a dividend net of any fees, costs and expenses. However, should a property not produce rent, or the rent be insufficient to cover the costs and expenses of operating the property, no dividends will be paid and you will be unlikely to see any return on your investment until the property is sold.


4. Diversification

Investing in property and unlisted shares should only be done as part of a diversified portfolio. This means that you should invest relatively small amounts in multiple businesses rather than a lot in one or two businesses. It also means that you should invest only a small proportion of your investable capital in startups as an asset class, with the majority of your investable capital invested in safer, more liquid assets.


5. Tax

You will be responsible for the payment of your own tax which may include capital gains and/or income tax. We do not provide tax advice and you should seek independent tax advice before investing if you are unsure of your position. It is still your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will effect your tax status you must seek professional advice before you invest. Each company you invest in will be liable for, and pay, corporation tax and any returns you receive will be paid to you net of any corporation tax due.


6. Advice

Property Moose does not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of Property Moose on the basis of information provided. Property Moose takes no responsibility for this information or for any recommendations, opinions or predictions.


7. Past Performance

Past performance is not a reliable indicator of future results. You should not rely on any past performance as a guarantee of future investment performance.


8. Future performance

Any projections of future performance are based on the internal calculations and opinions of Property Moose and are subject to change at any time. Forecasts are not a reliable indicator of future results and should not be relied on.


9. Financial Services Compensation Scheme

Investing through Property Moose is not covered by the Financial Services Compensation Scheme.


10. Client Classification

Before being allowed to invest, you will need to be classified as an investor type. You will need to provide the relevant information to us, which you warrant to be truthful and accurate, in order that we can classify you. Please follow the steps when signing up to complete this process. If you no longer fall into at least one of the categories of investor available, you will give immediate written notice to Property Moose and you will not access, or try to access the service unless and until you fall into one or more of these categories again.


11. Jurisdiction

The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where Property Moose is not authorised to provide such information or services. Some products and services described in the Site may not be available in all jurisdictions or to all clients.

This list of risk factors does not necessarily outline all possible risks involved. Prospective investors should read the Property Moose terms and conditions in their entirety and consult with their own advisers before deciding whether to invest. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.

This is a guest post written by Ann Carr. The views expressed in this article are not necessarily shared by Property Moose or DFI Financial Services. 

With house prices rising year on year, many people are finding it harder than ever to buy their first home.

Knowing this is a problem that has been around for a long time, in December 2015 the UK government announced the launch of the help to buy ISA, a special ISA designed to help savers get on the property ladder sooner by boosting their house deposit funds with government money.

The Help to Buy ISA

A Help to Buy ISA is a specialist government savings scheme specifically designed to help people buy their first home. It’s an account designed to speed up the time it takes you to save up your deposit.

There are criteria for you to qualify for the Help to Buy ISA though…

  • You must be classified as a first time buyer.
  • You cannot own a property anywhere else in the world.
  • You must be aged 16 or over.
  • You can use it to buy any home worth up to £250,000 (£450,000 in London).
  • You can use a Help to Buy ISA with any mortgage; you’re not restricted to a Help to Buy mortgage.

Like any other ISA, the help to buy ISA is a tax-free savings account. The difference here is that the government will boost your savings by 25%, up to a maximum value of £3,000 when you save £12,000.

The minimum amount you can save to qualify for the 25% government bonus is £1600, which will give you £400.

If you take advantage to of the scheme fully, you’ll be able to turn your £12,000 deposit into a £15,000 one!

How Do I Get The Money?

You don’t. Your solicitor or conveyancer will apply for the money when your offer on a new home has been accepted. It has to be done at this point – you can’t apply for the money afterwards as it is too late.

When the money is received it will be added to the total deposit you are putting towards your first home. The lender will then calculate your mortgage based on the deposit plus the additional money the government are contributing.

Maximum Contributions

The maximum monthly contribution you can make to the ISA is £200 per month, meaning you can save £2,400 per year.

You can still save other money in separate accounts, but the Help to Buy ISA is limited to £200 per month.

When Can I Open a Help to Buy ISA?

Any time you like, but the sooner the better! The scheme will remain open until 30th November 2019, so as long as you apply before that date you’ll be able to save in the account.

The government bonus is available until 2030 at present, so as long as it is claimed by then you’ll still have access to the money.

How Can I Open a Help to Buy ISA?

All of the major banks and building societies will offer a Help to Buy ISA. Their rate of interest will vary of course, but they will be easy to set up.

If you already have an ISA, you can transfer the money into your Help to Buy ISA, giving it a nice little boost to start with!

For the best rates on Help to Buy ISA’s, you can always check out Money Supermarket, where you’ll find the best rates available on the market.

Who Can’t Have a Help to Buy ISA?

There are certain exclusion criteria for the Help to Buy ISA, so check that none of the following apply to you before you try to open one….

  • You can’t use a Help to Buy ISA if you’re going to rent out the property as an investment.
  • You can’t use a Help to Buy ISA to buy an overseas property.
  • You can’t have more than one Help to Buy ISA.
  • You can’t open a Help to Buy ISA and a normal Cash ISA in the same tax year. You can transfer your cash ISA balance into your Help to Buy ISA however.

Once you have checked that the inclusion and exclusion criteria make you eligible for a Help to Buy ISA, either apply in store or online and start saving!

If you are in the position to take advantage, it’s certainly worth your while doing so – the government bonus on your cash is significantly better than any interest rate you’d get on most savings products in the market.

Anwyl Homes are a leading house builder with developments across North England and Wales. For more information on how you can apply for help to buy a new build house contact their team.

 

 

Many are speculating that stagnant wages and rising house prices have caused the housing market to hit an affordability ceiling point as price growth fell from 3.4% to 3.2% in September for residential property sales.

Whilst residential property sales begin to decline, commercial property is beginning to boom.

Simon Bath, CEO of digital conveyancing platform, When You Move, commented: “The House Price Index shows a north-south divide: housing markets in London and the South-East have slowed. London still remains the most expensive region in the country to purchase a home and therefore, the financial commitment of buying in London can be off-putting for both domestic and international investors and first-time buyers.

“Housing markets in London and the south-east have slowed: prices in London fell 0.7 per cent in the year to June, according to the ONS, coupled with transaction levels in the capital down by 20 per cent year on year. The prices are heftier, the commitment is more taxing, equally, the number of homes being placed on the market for £2m or more was down 25 per cent in the third quarter of 2018 compared with a year before.”

Commercial property lending increased by 27% in the first half of 2018 according to Cass Business School’s latest UK Commercial Real Estate Lending Report.

From January to June, £22.5 billion worth of lending in commercial real estate was enjoyed; a 27% rise on the same time last year.

Although investment was down 2% based on 2017 figures, the £25.4 billion worth of investment highlights a real appetite for commercial property in the uncertain property market.

53% of the agreed lending in the opening six months of 2018 came from acquisition finance and 14% of loans went towards financing property portfolios.

Whilst residential buyers are struggling to buy in London or put off by the potential property affordability ceiling point, 61 per cent of newly originated loans have targeted London and South East England.

Ion Fletcher, Director of Finance Policy at the British Property Federation, said: “The UK’s commercial property lending market was “in fairly good shape,” particularly in light of ongoing political uncertainties surrounding Brexit.”

Neil Odom-Haslett, President of the Association of Property Lenders, added: “Overall the headwinds have got a little bit stronger and its testament to the current lending culture that as a real estate lending community we are managing them appropriately.”

Have you noticed an increase in commercial property transactions? Is this positive for the property market?

Investing in property and companies can be very rewarding, but it involves the following key risks:


1. Loss of Capital

Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth. By investing in property through Property Moose, there is a risk that you may not get back what you put in if property prices fall. You should not invest more money through the platform than you can afford to lose without altering your standard of living.


2. Illiquidity

Any investment you make through the platform will be highly illiquid. This means that you are unlikely to be able to sell your shares until and unless the investee company is sold or the property is sold at the end of the investment term. The securities you purchase through the platform are not listed on any exchange.


3. Rarity of Dividends

If a property receives rent this will be paid to the investors as a dividend net of any fees, costs and expenses. However, should a property not produce rent, or the rent be insufficient to cover the costs and expenses of operating the property, no dividends will be paid and you will be unlikely to see any return on your investment until the property is sold.


4. Diversification

Investing in property and unlisted shares should only be done as part of a diversified portfolio. This means that you should invest relatively small amounts in multiple businesses rather than a lot in one or two businesses. It also means that you should invest only a small proportion of your investable capital in startups as an asset class, with the majority of your investable capital invested in safer, more liquid assets.


5. Tax

You will be responsible for the payment of your own tax which may include capital gains and/or income tax. We do not provide tax advice and you should seek independent tax advice before investing if you are unsure of your position. It is still your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will effect your tax status you must seek professional advice before you invest. Each company you invest in will be liable for, and pay, corporation tax and any returns you receive will be paid to you net of any corporation tax due.


6. Advice

Property Moose does not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of Property Moose on the basis of information provided. Property Moose takes no responsibility for this information or for any recommendations, opinions or predictions.


7. Past Performance

Past performance is not a reliable indicator of future results. You should not rely on any past performance as a guarantee of future investment performance.


8. Future performance

Any projections of future performance are based on the internal calculations and opinions of Property Moose and are subject to change at any time. Forecasts are not a reliable indicator of future results and should not be relied on.


9. Financial Services Compensation Scheme

Investing through Property Moose is not covered by the Financial Services Compensation Scheme.


10. Client Classification

Before being allowed to invest, you will need to be classified as an investor type. You will need to provide the relevant information to us, which you warrant to be truthful and accurate, in order that we can classify you. Please follow the steps when signing up to complete this process. If you no longer fall into at least one of the categories of investor available, you will give immediate written notice to Property Moose and you will not access, or try to access the service unless and until you fall into one or more of these categories again.


11. Jurisdiction

The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where Property Moose is not authorised to provide such information or services. Some products and services described in the Site may not be available in all jurisdictions or to all clients.

This list of risk factors does not necessarily outline all possible risks involved. Prospective investors should read the Property Moose terms and conditions in their entirety and consult with their own advisers before deciding whether to invest. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.

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