Learn More - Getting On The Property Ladder

Over the last few years we have seen houses prices rise until they have almost become unaffordable to the first time home buyer wanting to get on the first rung of the property ladder. Similarly, small investors who wanted to augment their pension by investing in buy to let property or make profit from the refurbishment of property are increasingly facing an uphill struggle.

To add to this in the last few months we have seen the credit squeeze which has affected the amount of money mortgage providers are prepared to lend borrowers. The variety of mortgages available in the market place has diminished and many lenders now require larger a deposit. All this adds to the frustrations of the first time buyer or small investor. More and more individuals every year are therefore finding it harder to make that first important step onto the property ladder. It is this step that saves them needlessly wasting their hard earned salary on rented accommodation.

Co-buying is therefore being increasingly seen as the way forward in the property market for first time buyers and small investors. One of the main reasons seen by the first time buyer and small investor to enter into a co-buying agreement is that it not only lowers the amount of the initial investment - the deposit and the costs associated with buying a house - but also the ongoing costs.

ukpropertyclub is the website for you whether you are looking to co-buy your first property, find a property to co-investment in, or find someone with whom you can co-let.

ukpropertyclub is aimed at assisting three distinctive areas:

• First time buyers

  Those who can't afford to take the first step on to the property ladder on their own due to the cost of the property, the size of the deposit required and the ongoing running costs.

• Private investors

  We have all seen the plethora of property investment programmes on the television over the last few years aimed at developing property for profit or building a buy to-let portfolio to augment a pension. And we have all wished we could do the same but have not had the finances to go it alone. ukpropertyclub gives private investors the opportunity to do this by sharing the costs and responsibility for their joint investment.

• Co-letting

  Many of us may feel that in our early years we cannot afford to buy and therefore only want to let a property. ukpropertyclub is also there to help you find co-letters and to offer guidance as to what to look for in letting agencies.

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