TBC Consultants

Prices in the UK went up by 2.2% in the 12 months to August, the same rate as in the year to July.
The Bank of England has a target to keep inflation at 2%.

What does inflation mean?

Inflation is the increase in the price of something over time. For example, if a bottle of milk costs £1 but is £1.05 a year later, then annual milk inflation is 5%.

Why are prices still rising?

Inflation has fallen significantly since it hit 11.1% in October 2022, which was the highest rate for 40 years. However, that doesn’t mean prices are falling - just that they are rising less quickly.
Inflation soared in 2022 because oil and gas were in greater demand after the Covid pandemic, and energy prices surged again when Russia invaded Ukraine. It then remained above the Bank of England’s 2% target partly because of high food prices.

Although these have now dropped back, some parts of the economy, like the services sector - which includes everything from restaurants to hairdressers - are still seeing more significant price rises.

Read the full BBC article here: https://www.bbc.co.uk/news/business-12196322

There has been a rise in the number of buy-to-let landlords targeting smaller, secondary towns and cities for their next urban investment, according to analysis from Paragon Bank.

Data from Paragon’s own lending activity revealed a strong increase in completions in city and town centre postcodes during 2021, up 100% on 2020.

The strongest increases were seen in locations outside of the UK’s major city centres. Aside from London and Manchester, the top 10 highest growth locations in urban completions were in secondary towns and cities.

The highest percentage increase was recorded in Milton Keynes, which experienced a 667% increase in completions in 2021 compared to the previous year. This was followed by Bristol with a 300% increase, Manchester (300%) and Luton (258%).

Full Article here - http://ow.ly/gO3650ImBkC

TBC consultants was founded in 2016 with three core principles in mind, simplicity, time and trust.

These three principles are found in every element of our business.

We adopted these principles for one simple reason, our clients.

By focusing our efforts on sophisticated and high net worth investors we found that they all had one thing in common; they are time poor and as such, only want opportunities brought to their attention that match their specific requirements.

Rental market now ‘in full swing’ after strong recovery from pandemic low.

The rental market has returned to “full swing” from the pandemic low as stock levels fell dramatically from this time last year.
With all Covid restrictions lifted, tenants are once again looking for a place to call home, with just 64,839 rental properties listed across these 21 major UK cities, according to numbers shared by Octane Capital.

Pre-pandemic levels of available rentals sat at just over 80,000, which rose steeply to 96,000 in January 2020.

Read more - http://ow.ly/bNY550Ik49o

House price growth not set to slow down this spring.

The rate of house price growth has been underpinned by a frenzy of house-hunters while stock levels for properties remain low.

According to estate agent Knight Frank, there is no indication that annual house price growth will return to single digits this spring.

Annual UK house price growth accelerated to 12.6 per cent in February 2022 to an average of £260,230, according to the latest figures from the Nationwide Building Society.

Read more here - http://ow.ly/vpah50Ih462

What is a PRE-IPO placement?

A pre-initial public offering (IPO) placement is a private sale of large blocks of shares before the stock is listed on a public exchange, the buyers in a pre-IPO placement usually get a discount from the price stated in the prospective for the IPO.

From the viewpoint of a young company, a pre-IPO placement is a way to raise money before going public. It also is a way to offset the risk that the IPO price will prove to be optimistic and the price will not go up immediately after it opens.

Not many individual investors take part in pre-IPO placements. They are generally restricted to high-net-worth individuals and sophisticated investors.

To find out more get in touch - www.tbc-consultants.com

Is an Isa protected from inheritance tax?

Millions of over-55s unsure of the rules around the tax-free wrapper and passing on wealth.

A third of over 65s want to pass on their Isa pots to family members.

Three quarters have never checked inheritance tax rules.

It means millions are unaware that family members could face a hefty bill.

Read more here : http://ow.ly/VppB50IbUL5

Half of landlords could sell up and cash in, instead of trying to meet tough EPC targets.

More than half of landlords that own less eco-friendly homes are considering selling them, due to growing concerns over the Government's Energy Performance Certificate (EPC) requirements.

As many as 52 per cent of landlords who own a property with an EPC of D or worse have thought about selling some or all of their properties, according to research by Nationwide's buy-to-let lending arm, The Mortgage Works.

Full Article here - http://ow.ly/J3LM50HWr7C

Why Invest in a debt instrument?

🔵 Have the option to receive income or capital growth.

🔵 Fixed rates of return so investors know what the potential return will be.

🔵 Fixed terms typically up to 5 years.

🔵 Some have a charge against the assests providing a level of security.

Find out more on our website - https://tbc-consultants.com/debt-instrument/

London flats are back in fashion after falling hugely out of favour during the pandemic “race for space”.

The release of pent-up demand from first-time buyers who put off buying decisions during Covid lockdowns, combined with spiralling rents as London fills up again with workers, has sent demand for smaller homes soaring.

To read full article click here - http://ow.ly/H9El50HRR2g

Interest rates have risen for the second time in three months as the Bank of England tries to curb a rapid rise in the cost of living.

The hike to 0.5% from 0.25% came as the Bank warned that price rises could speed up.

Prices are expected to climb faster than pay, putting the biggest squeeze on household finances in decades.

It comes as the chancellor unveiled a support package to help households cope with a 54% jump in energy bills.

Read the full article here - http://ow.ly/vef750HLFZT

Invest and earn fixed returns of 7.5% to 18% PA with monthly income and capital growth options along with asset-backed security.

If you’re like most investors, you goal is to grow your capital for the future or create multiple income streams to support your lifestyle.

Get in touch with our team to find out more....