Matt Cullum








In learning the basics of building your own house can include many different factors and whether it's a self build or a custom-built home can determine how are you set out your approach. For property builders planning a grand design or simply wanting something that they can call home many people are now starting to turn towards the idea of building the dream house. Finding the right plot can be the main factor which will affect the overall build project and the type of house it will be built. The area and location is key and determining what you will bills, the size, the house style and the overall appearance.

Matt Cullum property will seek to provides the key details but she will need to consider before embarking on the project. The first port of call is the right to build element. The government is taking many steps to make the process easier and the council also under increasing pressure to adhere to the governments wishes. The right to build is almost contentious issue at present as more and more people wish to build their own house to their own specifications and many of the larger house builders have come under increasing scrutiny regarding the quality and finish the houses. Many buyers find there is issues later on after the purchase and quality is very questionable in many circumstances depending on the builder.

Also housebuilders wish to have their own input in the design and build process and having a custom-built house is the ultimate dream for many. How many builders to use a service plot of land which has electricity, water and waste connections as well as access roads already in place. By placing yourself on the right field register you will hopefully receive opportunities but particularly in areas of high demands such as the south-east this can be a long wait. Therefore you need to be proactive and search for plots yourself on websites such as Rightmove, Zoopla and on the market. However the competition is fierce and the prices for sale continue to rise exponentially.

Other websites and online resources are useful are the self build portal, plot browser and plot finder which is very popular with builders of all types. It can also be a worthwhile endeavor to speak to your local council as they will have information regarding new plots coming up for planning permission in your area.

First time buyers find it difficult to not only finance the cost of a plot but also to get the required funding. There are more more self build mortgage is coming on the market however these are not as competitive as a traditional mortgages that you can get from the banks or mid tier funders and it's becoming increasingly less competitive in some areas. Matt Cullum property will seek to provide as much information as we can on the offers which are available to self builders in the marketplace.

Self-build project usually involve a hands-on approach where you are specifically involved yourself either as a project manager or in the design and architecture of process. With the custom build homes market the developer will design and build your house for you and you may be able to have a little bit of input in the spec and design. However the hard work is done for you but then the cost will also be increased and may not be worthwhile in the sense that you may as well buy a existing house which has just been built.

You can also look at kit homes on modular homes which are now becoming more prevalent in the areas of urbanization and busy towns. Particularly in London we've seen more more of these types of homes being built by the larger house builders, Berkeley group building in Ebbsfleet in 2018 is a prime example. Kit homes can effectively provides a prefabricated house without the hassle of designing and building a new one however the desire of money to design their own house will not be accommodated with this option. Please register to Matt Cullum property for more information on all these house types and the various options available to you as a self builder. 

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Building a long-term portfolio of property is a hard process and the methods of property investing can be tricky. Property investing is not a quick road to riches and starting your property portfolio for a long-term strategy must be approached in the right way and research must be done before embarking on any portfolio building project. However with the right approach a long-term strategy can provide a stable and secure income for you over the long term from the property by. The first steps in building a property for portfolio are to decide which type of property you will be acquiring.

There are many types of properties you can buy namely buy to let properties including student lets are always a popular choice, Also holiday homes and properties at home or abroad can be very lucrative. Houses of multiple occupancy which are otherwise known as HMOs can be a good choice also in the sense that you can break up a property and extract more value and then come out of it as a whole. Depending on the location there are always property deals to be acquired in these sectors and it will be a good idea to research thoroughly in the area that you are purchasing. Rental yields are also very important for a property portfolio and the yield must be greater than the amount paid for the property including all costs and taxes, which can be significant. There are many ways to invest different sums into your property portfolio. It's not necessarily the easiest investment strategy however a successful property portfolio will require a lot of expertise unlike other investments such as commodities all the stock market for example.

The time you need to spend in building a portfolio can be considerable and the initial steps will need a bit of prior planning. Property portfolio building isn't necessarily a passive income investment strategy and you will need to spend many hours a week to build the knowledge base required to add properties to your portfolio as you go along. The capital required can also be significant and depending on the level of funding and loan to value ratio you are looking for there will still need to be significant investment on your part. He will also need to consider solicitors and is administrative fees, deposit and stamp duty, mortgage interest payments and insurance and property maintenance costs also. Once you understand the process of portfolio building and what it would take to get started there are a few key initial steps to take.

You should as we have mentioned research and understand the market fully. Start small and your initial steps in portfolio building and gradually build the rate of property purchases as you get more adept at this process. Acquiring cheaper deals at the start can be also a good idea and looking for repossessions or below market value property is a good low risk strategy to consider. As mentioned earlier property portfolio building is not a quick investment strategy and the Matt Cullum property blog will provide you more information and help regarding the marketplace and tips on how to embark on a successful project. We would also suggest to set goals for yourself and identify key areas to improve on and generally get better at the process of buying and investing in property.

It's also important to find help for your property portfolio building and although the planning process can take quite a long time for a long-term strategy to be successful you will always need to ask key individuals for help in certain areas. This can be in the area of finding the right deals and speaking to other landlords and developers is always a good way to get impartial help and advice. Also speaking to local estate agents who know the market well is very very important and speaking to solicitors and legal advisers who can also give impartial advice can be very helpful and avoid any issues going forward. The Matt Cullum blog understand the ins and outs of property portfolio building and we will also help with information on an ongoing basis as well as market commentary on the property area.