Chartbury - FAQs

General Questions

Why Chartbury?

We believe that everyone should have access to unique, profitable and secure investments. When we set out in the early beginnings, driven by this fundamental belief, we knew that we had to change the way people invest. Today, we have managed to change attitudes and markets, allowing people from all walks of life to invest in opportunities that were historically only available to expert investors.

Our excellent track record, our vision and our proven methods sets us apart from the rest when it comes to investments. We offer you the most diverse portfolio of investments and the most incredible customer service you’ll ever want, ensuring that no matter what type of investor you are, you will always find the right opportunity with us.
What investments can I find here?

From residential, commercial to alternative, you’ll find it all here! Our diverse portfolio of investments are suitable for first time investors but also for ultra high net worth individuals. We started by providing clients with the best UK buy to let properties, while today we also have a range of alternative investments, such as franchise investments, new homes or serviced office investments, allowing you to diversify your portfolio.
What services does Chartbury provide?
- UNIQUE OPPORTUNITIES – We provide you with market-leading investments from the UK & around the world.
- TRANSPARENCY & TRUST – We offer you bespoke customer service & free investment consultations.
- FULL 1 ON 1 SUPPORT – We offer you full support before & after investing, so you’ll always have us as your trusting partner.
- LEGAL ADVISE – We assist you by recommending the appropriate legal services & support for your investment.
- MANAGED INVESTMENTS – We have strong partnerships with leading organisations, developers & management companies, ensuring the profitability & security of your investments, without you having to lift a finger.
- VIEWING TRIPS – When photos & videos are not enough, pack your bags, book your flights and come to meet us, so we can show your potential investment.
- EXPERT CONSULTANCY – Whether you’re a large scale investment fund or just someone who is looking to generate some passive income, our dedicated investment consultants & managers are ready to offer you tailored advise whatever your needs.
How do I pick a property for investment?

Choosing your perfect property can be tricky—there are a lot of different elements to consider. First and foremost you need to assess your finances to see how much you can afford to invest (bearing in mind that buy-to-let is generally a long-term asset and so capital is usually tied up for a considerable length of time), and also whether investing in buy-to-let will affect your tax position.

Once you have decided on your budget, you next need to think of your ideal tenants—would you like to rent to families, young professions or students? If targeting families, a home close to amenities like shops and schools would be highly advantageous. If your tenants of choice are young professionals, city-centre apartments close to bars and restaurants always rent well to this demographic. Student tenants are best served by Homes of Multiple Occupation (HMOs) or Purpose-Built Student Accommodation (PBSA), but be aware that if you are targeting the student segment there are regulations to the buying and selling of student property.

Next you need to think about your financial returns—will a property in a specific area targeting a specific tenant type get you your required return on investing? Is it lucrative? Is there a proven track record in the area you are considering of significant capital appreciation? Considering all aspects of a potential buy-to-let property before your purchase is the key to a successful investment.
How are my funds secured?

All funds are held in the solicitor’s escrow accounts until exchange or completion for the investments we offer, ensuring that your money is always safe & secure when investing with Chartbury. We carefully research and carry out rigorous due diligence on all our partners and investment products, to ensure your hard earned money is always safe and in the right place!
Save of invest?

Think back to when you learned about why saving money was a good idea.

Friends & family told you that the real value of saving is that your money grows over time, without you having to do anything. Without trying too hard, you could almost guarantee that your savings would grow without any risk.

But the world has changed since you learned all of this. The days of savings accounts that provide decent returns are long gone. Today, savings can offer earnings of around 1% or 2% if you’re lucky!

If you want to see your money really grow, you have to make some investments above and beyond the outdated savings account.

The good news is that Chartbury provides you with a range of unique, profitable & secure investments.

Buy To Let Questions

What is Buy To Let?

Buy-to-let is the name given to properties purchased with the intent of renting them to the Private Rented Sector (PRS). Buy to let is a popular investment asset, as the UK has a strong property market and high demand for rental accommodation.
How does Buy To Let work?

Buy-to-let is a straightforward concept, in which investors buy a property with the specific intention of renting it out, thus becoming landlords. Once they have purchased the rental property, it is then put on the rental market and a tenant moves in, paying the landlord a pre-agreed monthly amount to live in the property. Formal documentation is signed which fixes the tenancy for a set amount of time (generally between 6-12 months), in which the tenant is responsible for paying the rent during that time. Bills and utilities are generally the responsibility of the tenant during their tenancy, but the maintenance of the property is the responsibility of the landlord. Even though a tenant legally lives in the property, the property belongs to the landlord, so they receive the rent paid by the tenant, as well as any capital appreciation the property accrues from any significant increases in value, which is why buy-to-let is a financially viable and often lucrative investment venture.

It is also important to think about potential returns. Does it offer high yields? Is the potential for capital appreciation positive?

Considering all aspects of a potential buy-to-let property before your purchase is the key to a successful investment. But don’t worry, we can always help you out if you’re unsure about something!
Why invest in Buy To Let?

Investing in bricks and mortar has always been a popular choice as it is a tangible asset which you have control over, with a steady growth in value expected over time. Buy to let allows you to make the most of that growth (also known as capital appreciation) as well as another stream of income – the money made from renting your property out. These generous incomes available make buy to let a very attractive investment proposition.
Can I get a mortgage for Buy To Let?

Yes, generally you can get a mortgage on buy-to-let properties, but there are strict regulations in place governing lending for non-owner-occupied properties. There are specifically-designed buy-to-let mortgages that are different from residential mortgages offered by selected lenders, and are subject to specific criteria including price of the investment property and expected rental yields, with each lender different as to their criteria for a buy-to-let mortgage. Generally high-street banks do not offer mortgages on off-plan properties, but that doesn’t mean they don’t exist—you might just have to venture towards specialised lenders to find them. Buy-to-let mortgages can differ greatly, so it is advisable to seek the advice of a professional mortgage adviser to discuss your individual needs.
What are the costs associated with Buy To Let?

There is no definitive answer to this question, as it all depends on factors like whether you are going to manage the property yourself, whether you’re buying freehold or leasehold (as ground rent and maintenance fees may be applicable), and how you are planning to finance your buy-to-let property (if financed with a mortgage, will have to factor in adviser costs, repayments and interest).

However, fixed costs that you will definitely have to factor into your buy-to-let purchase are unavoidable costs like Stamp Duty and solicitors’ fees, as well as setting aside contingency money for repairs and due maintenance on your property (it is generally recommended to put aside between 2-3 months’ rent for any repairs or void periods you may experience).

Property Questions

What happens if a developer fails to complete the works on time?

Whilst no one can control external factors that might lead to delays in the construction, each development has a practical completion date and a long stop date. If the project is not finished on the practical completion date then the developer has until the long stop date to complete the works. Under the terms of the legal charge, the buyer’s solicitor can take control of the development. Our interest is to protect our client’s interests, so if a project is subject to delays, we will collaborate with the developers in order to offer transparency and additional security for our clients.
Do I receive a title deed?

On project completion, when the buyer has paid the final balance, they will be granted a binding Lease of their Unit and shall be sent a lease plan. The Lease will be registered in the buyer’s name and a set of title deeds will be made available to them, which will be registered at The Land Registry in England.
Will my property be insured?

Under the terms of the Lease, the freeholder will insure the building and communal parts. It is the buyer’s responsibility to insure their contents.
When can I sell my property?

There are no restrictions on when a buyer can sell their property and this can be at any time during the build process or after completion.
Do I need power of attorney?

There are a lot of documents to be signed, some of which may change during the process. To speed up the administrative flow, we recommend that buyers appoint one of the partners at their nominated firm of solicitors to be their attorney, for the purchase. All this does is to authorise them to sign the documents on the buyer’s behalf, exchange contracts and complete, but nothing after that.
What happens on completion?

Once the project has completed, and the building supervisor has issued Practical Completion, our solicitors will write to your solicitor to advise that completion has occurred.

Your solicitor will then write to you advising that completion has taken place and will request the completion balance from you. It is important that these are sent to the buyer’s solicitor within the set time as per the contract, otherwise you might incur additional charges. Once the seller’s solicitor receives the completion balance the transaction is recorded as legally completed, meaning that you now legally own the property(s).

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