UK PROPERTY INVESTMENT

Invest in UK Real Estate from India

Discover One of the Most Lucrative Property Markets in the World

  • Explore prime investment hotspots throughout the UK
  • Buy directly from a leading UK Property Developer
  • Proven Track Record – Over 6,760 Residential Units delivered to date
  • Discover the unique advantages of investing in UK Real Estate from India
Key Findings for
Indian Investors
Choosing the UK

321%
Rise in Indian investment into the UK for 2018/19.

Regional Cores
Key investment markets for overseas investors

£1.4 Trillion
Value of UK rental market – fastest growing in the sector

Investing in UK property from India

Typically, UK property has always been a relatively safe investment vehicle that relies on a good investment location and proactive due diligence by the investor. For overseas investors, the importance of working with a UK partner cannot be understated. By working with someone that has local knowledge, you can support your own knowledge, ensuring an informed investment decision.

Working with the right partner can also help overseas investors discover the investment locations for themselves, without having to visit the site first-hand.

While investing from overseas comes with its own challenges, there’s no doubt that the market remains a viable alternative for investors that want consistent returns and stability. Investment from India has only increased over the last few years, a trend that doesn’t look set to slow down entering the new year.

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birmingham skyline UK

Latest Developments in the UK

Crossrails Premier Development

The Metalworks
Slough
2 Bedroom Apartments, 3 Bedroom Apartments, Off-Plan

Prices From

£369,950

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Brand new to Bracknell

No.1 Thames Valley
Bracknell
1 Bedroom Apartments, Fully Tenanted, New Build

Prices From

£199,950

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READY-MADE-INVESTMENT

Churchill Place Ready-Made Investment
Basingstoke
Fully Tenanted, Ready to rent

Prices From

£185,950

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Game-Changing Development

The Grand Exchange
Bracknell
1 & 2 Bedroom Apartments, Luxury Penthouses, Off-Plan, Studios

Prices From

£289,950

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Financing Your Property Investment in the UK From India

There are several options available to overseas investors that want to secure finance for a UK property. Many British high-street banks will have reduced products for this type of mortgage, demonstrating the importance of working with a professional lender. These trusted lenders will tend to have a wider outlook than most mainstream organisations, delivering better rates and better terms. If you’re a Buy-to-Let investor, this will be the most common method of financing.

Enquiries into the UK from Asia for expat mortgages have recently increased. Driven by a particularly unaffordable Hong Kong market, where prices are some of the highest in the world, Skipton International has seen a 65% rise in BTL mortgages from Hong Kong investors in 2018 compared to 2016.

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How has Brexit effected UK Real Estate?

With a majority Government in place and a clear plan on finalising Brexit, some of the uncertainty that was stalling international buyers has started to fade.

Research by Knight Frank has shown that 21% of their property investors prefer the UK as an investment market, up 11% on results the year before. For a market that has a reputation for being robust, this is vital – especially with so many large political events taking place. The UK is still recognised as a big overseas investment target, primarily driven by the potential rental yields on offer (43%) and its stability (32%).

For the UK, undersupply is a much bigger challenge than Brexit. 55% of respondents to the Knight Frank research believe the UK’s main issue is a ‘lack of stock’, with only 15% citing political uncertainty as something impacting their decision. This data highlights just how many opportunities are available across regional cores that are driving new redevelopment.

Download the Guide to Brexit

Comparing India and UK Property Markets 

When comparing the UK and Indian property sectors, it’s no surprise that Indian investors are looking overseas – the UK offers an average rental yield of 4.8% while India sits at 3.3%. Yield security is a huge indicator of long-term success and the UK’s stability is a reassurance for many investors.

Since August 2018, the rupee has gained around 2%, bringing down asset costs for Indian investors, while favourable currency exchange rates have supported property buyers over the past six months. Brexit also presents an opportunity to find deals within the UK property market – prompting a 15 – 20% increase in the number of property investors from India.

Overall, the UK property market remains a stable, high-performing alternative to the Indian market. While both sectors have experienced a slowdown, the yield security and potential for a ‘deal’ afforded by the UK is a tempting offer, especially with forecasts showing rising prices through natural market growth. 

Bright Future 
for UK Property

86% of Investors
Think the UK will be ‘strong’ in 18 months

2039 Renters
Will outnumber homeowners in the UK

7 in 10 Investors
Have cited Brexit as a reason to invest

3 Steps For Your UK Investment When Investing from India

Arrange Your Face-to-Face Meeting
Discover the right investment for you by speaking with our UK experts

Reserve Your Property Unit
Looking for specialist help? Speak to our Tax, Overseas Mortgage and Foreign Exchange specialists.

Customer Care Turn-Key Solution
Need supported aftercare and property management? Our 360-degree service can help.

UK Real Estate News for Indian Investors

India Retirement Trends in 2020

30

Jan

Property News
India Retirement Trends in 2020

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Arrow
Prime Time for Currency Climate Success

16

Dec

Property News
Prime Time for Currency Climate Success

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India Property Trends for 2020

12

Dec

Property News
India Property Trends for 2020

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Global Property Trends for 2020

11

Dec

Property News
Global Property Trends for 2020

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How Transport Links Can Transform Demand In Major Cities

10

Oct

Property News
How Transport Links Can Transform Demand In Major Cities

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Arrow

Fees and Taxes When Buying UK Real Estate from India

Purchasing Property in the UK for Indian Investors

As with any investment, if you’re purchasing property in the UK it’s vital to understand both UK and Indian tax liabilities as well as how to structure your investment in an efficient manner. In the case of the UK, taxation liability is determined by a person’s residential and domicile status, so working this out is an essential first step for Indian investors.

Essentially, an individual is considered a UK resident if they; spend 183 days or more in the UK during a tax year, arrive with the intention of staying permanently or to work in the UK for three years or more. Social and business ties can have an effect on resident status but will largely be considered on a case-by-case basis.

Taxes when buying UK real estate from India

The four principle taxes that will affect your investment are:

  • Income Tax – This is a tax on an individual’s income.
  • Capital Gains Tax (CGT) – This is a tax on capital gains made when assets are sold (or gifted in certain cases).
  • Inheritance Tax (IHT) – This is a tax on the value of a person’s estate on death and on certain lifetime gifts.
  • Stamp Duty Land Tax (SDLT) – This is a tax payable when you purchase land in the UK.

Non-Resident Landlord Scheme for Indian Investors

If you’re investing in a UK property but intend to remain an Indian resident and non-UK domiciled, you can still be affected by all the taxes listed. For Buy-to-Let landlords overseas, income tax will be paid on rental profits in the UK rather than income tax in the country they’re based. Investors should also consider registering under the Non-Resident Landlord Scheme.

For Buy-to-Let landlords, this works differently for tax purposes and means a non-resident landlord pays income tax on rental profits in the UK, rather than paying income tax in the country they’re based. To be classed as under this scheme, the landlord (individuals, companies and trustees) must live outside of the UK for at least six months. In partnerships, each person is considered a separate landlord.

A design led scheme of 313 beautifully appointed apartments, forming the first ever residential square in the heart of Birmingham’s Creative Quarter. Now sold out.
Fabrick Square
Birmingham

Completed Q3 2017

  • Original £ per Sq Ft price: £215
  • Avg Sq Ft Growth: +36%
  • 1 Beds £110k – £150k = £40k (36% Capital Growth)
  • 2 Beds £140k – £190k = £50k (36% Capital Growth)
  • Actual Capital Growth Achieved: +36%. Avg Rental Yield: 7.7%

NOW SOLD OUT

Prime location in Birmingham’s Jewellery Quarter. Luxury one and two bedroom apartments.
The Kettleworks
Birmingham

Completed Q4 2018

  • Original £ per Sq Ft price: £282
  • 2018 £ per Sq Ft price: £352
  • 1 Beds £170k – £215k = £45k (26% Capital Growth)
  • 2 Beds £200k – £250k = £50k (25% Capital Growth)

NOW SOLD OUT