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Is London really choked? an assertion claimed by many school of thought and researchers.Over the years the UK has witnessed a tremendous changes in the property markets,awakening the scars of recession,many London investors are now heading to the north for buy-to-let properties.According to the IPD property indexes, Sheffield is leading the city, with yields in the region of around 11.06%. in the UK, Bradford comes second, with a total yields of 9.18%, and Manchester being the third with yields of 8.71%.


Now with the current rent status in the north, Investors wish to establish a long portfolios in these regions.Considering a well performing investments,buy-to-let investors may well consider the type of asset classes they buy into.Here at Sani, a preferred suggested vehicles are the city centre apartments and villas.Occupiers are more likely to rent in these areas where they consider easy accessibility to transport and other localities.In the commercials, investors may consider retail units for occupiers in these fast emerging markets and just see their investments grow.



UK mortgage activity has reached a plateau, latest data suggests


The UK mortgage companies has finally reached its level of stability and attainment according to the country's most read real estate information website.The Property

Lending for homes in the UK has reached a plateau with concerns about interest rate rises affecting activity, according to the latest figures.

The Council of Mortgage Lenders estimates that gross mortgage lending reached £17.8 billion in September, some 1% lower than August but 10% higher than September last year when it was £16.2 billion.

Gross mortgage lending for the third quarter of this year was therefore an estimated £55.5 billion, an 8% increase from the second quarter of this year, and a 13% increase on the third quarter of 2013 when it was £49.2 billion.

‘Uncertainty over when we will see the first increase in UK base rates is exacerbated by weaker growth prospects in several major economies, including the Eurozone,’ said CML chief economist Bob Pannell.

‘Recent indicators and policy actions corroborate our view of a gentle easing in market conditions. There is growing evidence that mortgage lending activity, and the housing market, are sitting on a plateau,’ he added.

Meanwhile, the latest figures from the Bank of England show that mortgage approvals by all UK resident mortgage lenders for house purchase picked up in June, before easing back slightly in August.

The average monthly net lending flow by UK resident mortgage lenders was £2.3 billion in the three months to August, broadly unchanged compared to the previous three months. The data also shows that total gross secured lending in the three months to August increased compared to the previous period.

The Bank report says that in recent discussions, most of the major UK lenders reported that operational issues associated with the implementation of the Mortgage Market Review had pushed down on approvals over the summer, but had now largely dissipated.


It amounts to a natural ebb and flow, according to Peter Rollings, chief executive officer of Marsh & Parsons. ‘After a strong surge at the start of the year, house price growth is easing to more natural levels, and as a result, overall mortgage lending dipped in the month to September. But the stream of lending has not dried up, and the mortgage market has negotiated the new criteria of the Mortgage Market Review around the introduction of tighter affordability checks and more rigorous regulation in the spring,’ he said.
‘Confidence is still buoyant, kept afloat by the growing pool of available properties on the market and some outstanding mortgage products coming to the market since the indication from the Bank of England that interest rates would stay lower for longer,’ he explained.

‘Trading conditions are considerably less turbulent than they were a few months ago, and buyers and sellers alike are enjoying the less frenetic pace, increased choice and the calmer pace of competition, and this is already leading to a more active fourth quarter of the year. The only obstacles that could disrupt the course of the recovery are additional interventions in the mortgage market or premature withdrawal of schemes like Help to Buy, which could sink first-time buyer aspirations and stall progress further up the chain,’ he added.

Paul Smith, chief executive officer of haart, said the firm’s agents are still seeing huge demand from buyers with 10 chasing every property across the UK. ‘First time buyers in London are being even more resourceful to get on the ladder with many seeking out cheaper property on the fringes of the capital with good transport links such as East Ham and Dagenham where you can still buy a three-bedroom property for under £250,000,’ he added.
According to David Newnes, director of Your Move and Reeds Rains estate agents, the housing market still has momentum. ‘Some regions are more exposed to the elements than others and many homeowners are still waiting for property prices to be rebuilt to pre-crisis levels,’ he said.



Dubai to introduce new measures to ensure broker transparency

 Often at times it has always been perceived that Britain is the most transparent country in terms of business and more particularly real estate broker regulations,well check out what one of the fastest growing rich nations on earth are introducing as far as real estate and foreign investment is concern according to the UK's property website"The property wire".

New measures are being introduced in Dubai next year to make sure hundreds of new real estate brokers are monitored.

The Emirate has seen over 500 new brokers setting up this year alone and the Real Estate Regulatory Agency (RERA), the regulatory arm of Dubai Land Department, wants to make sure they are compliant.

It has announced the introduction of four new regulations to control brokers at a time when the real estate broker sector is booming due to the recovery in the property market. Overseas buyers are again investing in Dubai led by Indian and British nationals.

‘We are going to introduce four new measures to control the brokers. We had over 8,000 brokerage firms with 10,000 brokers at one time, but now we have 2,205 firms with 5,021 brokers. We saw 567 new firms setting up business this year and we believe the numbers are still high for Dubai,’ said Marwan bin Ghalita, RERA chief executive officer.

The new regulations will come into force next year and will see the pass mark for the mandatory test for renewal of broker’s license rise from 75% to 85%. Also, broker cards will be eliminated, but broker registration will be linked with Emirates identification.

The changes will also mean that new brokerages will be allowed only four broker visas to start with and any increase will depend on their performance. Brokers, who fail to do any transaction for six months to 12 months will have their registration cancelled.

Other changes are being considered. For example there is concern at an industry level that property owners not signing broker contract agreements, known as Form A. RERA is now considering making the contract obligatory before a property can be marketed.

‘If the seller does not signing Form A, the seller will not be able to list the property and sell it through any agent in Dubai,’ he disclosed, adding that a multiple listing system would come in place soon which will limit the listings for the seller in the market.

Since May unified real estate contracts have been mandatory with the aim of protecting the rights of sellers, buyers and brokers in any real estate transaction.

The latest data from the Dubai Land Department show that there were 17,289 real estate transactions worth AED37.5 billion in the first half of the year.

Indian and British buyers topped the list for foreign investment and Jordanian investors led the regional list of buyers.

‘To say that we are delighted with the real investment transaction figures from January to July would be an understatement. We are extremely proud of these positive results, as they reflect a building momentum in Dubai’s real estate market,’ said Sultan Butti Bin Mejren, DLD director general. 

‘Dubai’s real estate market has now reasserted itself on both the regional and global stage. We are certain that the future will see even more demand, especially in light of the government's declaration of forthcoming major projects,’ he added.

A breakdown of the figures show that Arab Investors completed a total of 3,058 transactions worth AED6.905 billion in the first half of this year. Jordanians made 640 transactions to the value of AED1.347 billion, with Lebanese nationals second on the list of Arab investors with 459 sales worth a total of AED1.235 billion.

Egyptians came in at third place after being involved in transactions worth AED1.009 billion. Arab investors from Iraq, Yemen, Libya, Sudan, Palestine and Algeria also made significant real estate transactions in the first six months of 2014, with investments below the level of one billion dirhams for each of these nationalities.

Foreign nationals completed on 14,231 property deals worth a total of AED30.533 billion for the first half of 2014. Indians made a total of 4,417 transactions worth AED10.523 billion, followed with British investors with 2,258 transactions worth AED5.811 billion.

In third place was buyers from Pakistani with 3,064 transactions worth AED4.5 billion. Iranian and Canadian investors came in at fourth and fifth place, with transactions worth AED2.7 billion and AED1.9 billion respectively. Citizens from Russia, United States and China occupied sixth, seventh and eighth places, each creating more than AED one billion worth of property investment.



UK house price growth slows as demand slips for fourth month in row says RICS

 Woow!!! Good news to Home owners and investors.Check this out according to RICS by property
ImageHouse price momentum in the UK continued to slow and new buyer demand tailed off in October, according to the latest Residential Market Survey from the Royal Institution of Chartered Surveyors.

Nationally, new buyer demand slipped for the fourth consecutive month with London bearing the brunt of the decline, as 62% more surveyors reported a fall in new buyer demand across the capital. Meanwhile across the rest of the UK dipped to a net balance of -18%.

As a result of the weaker trend in buyer interest, sales expectations are now at their lowest point since the beginning of the year and the picture regarding near term price expectations is not dissimilar.

But Scotland and Northern Ireland have the most optimistic view on house prices in the run up to Christmas with net balances of 36% and 37% respectively.

Meanwhile, stock coming onto the market remained virtually unchanged in October with a net balance of -2%, continuing the trend which has been in place for much of the past year. As a result, even with the dip in demand, much anecdotal evidence from surveyors points to an ongoing challenge in securing adequate new instructions. 

At a national level, the slowdown in buyer activity in the sales market stands in marked contrast to the lettings market, where tenant demand continues to grow strongly. Over the last quarter, this has particularly been the case in East Anglia, the north of England and Scotland and rent expectation remain generally firm with respondents' anticipating an increase of around 2.5% over the next twelve months across the whole of the country.

‘The flatter trend in the market is partly a reflection of potential buyers becoming a little more cautious about making a purchase as more stringent lending criteria has made it harder to access mortgage finance,’ said Simon Rubinson, RICS chief economist.

‘An increasing awareness of the approaching general election also appears to be contributing to the softer market if the responses to the latest survey are anything to go by. However, with new instructions still flat at a headline level as has been the case for most of the last year it seems implausible that the dip in demand will result in very much of a decline in house prices,’ he explained.

‘Meanwhile, demand to rent property is growing as the sales market slows and this, coupled with a drop in supply of new stock to let,  is helping to underpin the rental outlook for landlords pretty much across the whole of the country,’ he added. 




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