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🏘️ Types of Property Investments

Residential Property

• Buy-to-let: Long-term rentals for steady income.

• HMOs (Houses in Multiple Occupation): Higher yield potential, more management.

• Short-term lets: Airbnb-style rentals for flexible income.

Commercial Property

• Includes offices, retail shops, warehouses, and industrial units.

• Longer leases and higher returns, but more complex and capital-intensive.

Mixed-Use Property

• Combines residential and commercial (e.g., shop downstairs, flat upstairs).

• Diversifies income streams and can offer tax advantages.

Off-Plan Property

• Buying before construction is complete.

• Often cheaper with potential for capital growth, but carries development risk.

REITs (Real Estate Investment Trusts)

• Invest in property via the stock market.

• No direct ownership, but offers liquidity and diversification.

Property Development

• Buying land or rundown properties to renovate or build.

• High risk but potentially high reward.

Student Accommodation

• Consistent demand in university towns.

• Can be purpose-built or converted residential.

Holiday Homes

• Dual use: personal enjoyment and rental income.

• Seasonal income and location-dependent.

Land Investment

• Buy and hold for future development or resale.

• International Property

• Diversify across countries.

• Currency, legal, and market risks to consider.