• Kim Villa

Verna + Corey

Updated: Aug 22, 2019


"Kim was amazing. I first heard about Kim through a friend and I'm so happy we chose her to capture our special moments. I had no idea what I wanted the day of our wedding. But she came with a huge smile and picked up my falling pieces. She offers a free engagement shoot when you book with her, but my husband and I didn't need one. So I ended up using the free shoot for my newborn son. I am so happy I did. She knows how to capture the essence of every moment and leave you with breathtaking photos. You will not be disappointed."

#Wedding #OutdoorWedding #TentWedding #DIYWEDDING #BackyardWedding #RusticWedding

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Frequently Asked Questions

What types of properties do you source?

We believe that the best way to invest in property for most people is to target significant returns whilst minimising risk. We do this by focusing our search on high quality 2-3 bedroom houses at reasonable prices, in very good condition and in popular locations. This means that it’s less likely there’ll be expensive maintenance issues with the property. Also these properties will attract tenants that are more likely to look after the place and usually stay for a longer period of time. The prices we target are low enough to benefit from good rental yields and lower stamp duty, but high enough to be desirable and experience solid capital growth. Also, as they're houses you won’t have to worry about continuously rising service charges and ground rents eating into your profits.

Why do you charge a fee when I can do this myself?

We’re very open about the fact that anyone can look for investment properties themselves, and we’re always happy to offer advice to anyone who wants to do that. But this is what we do all day every day, so we find better investments than the average investor would likely be able to find on their own. We carry out extensive marketing campaigns that target homeowners in the locations our clients want, we’ve built up a large network of contacts that present us with properties before they go on the market. But most importantly, we know what makes a property a good investment, something the vast majority of people do not. Also our service includes far more than just finding you a property. We walk you through the whole process to move things along as smoothly as possible, we put you in touch with our network of professionals, we offer advice and we help you with any issues that come up.

How do you find properties?

We carry out online marketing and direct mail campaigns, targeting the areas that we believe are good investments and tailoring the marketing material to attract motivated sellers. We use software that’s not available to the general public, as well as online platforms to identify potential opportunities. And we’re in regular contact with our network of estate agents, developers and property professionals that know what we’re looking for and that often send us properties before they go on the market.

Should I focus on yield or capital growth?

This really depends on your own goals and what you want to achieve from investing in property. If you want to replace your income in a short period of time, then you may want to focus on properties that are higher yielding. But if you don’t need a large income straightaway and you care more about building your future wealth, then properties in areas with higher capital growth potential may suit you better. We think that the best types of investments are the properties that offer a bit of both. This way you can enjoy having an income stream whilst also benefiting from growing your wealth. They won’t have the highest yield or the best capital growth, but they will have both of these factors to some extent without sacrificing one over the other.

Should I get a mortgage or buy in cash?

Generally, it’s better to buy property with a mortgage than with 100% cash, if you’re buying a rental property that you plan to hold for a long period of time. This is because one of the things that makes property such a good investment is that you can leverage your money by taking out a mortgage to make your money go further, and give you a higher return on your investment than if you bought with just cash. There are instances when it may be better to buy with cash, such as if you plan to flip properties (buy, refurbish, sell). These are generally held for a short period of time and the loans you can get in these circumstances are far more expensive than mortgages, so you may not necessarily benefit from leverage in this case. There are other examples of when a mortgage may not be a good option or even possible, such as if a property’s value is too low or if you are above a certain age. In these cases, property loses many of its benefits as an asset class because leverage is one of the main factors that makes property such a good long-term investment. If you’d like to learn more about the benefits of leverage in property investment, then you can watch our short video about it here.