Property investment has long been seen as a solid way to build wealth, but the high cost of entry has kept many potential investors on the sidelines. Now, fractional property ownership is emerging as a new trend, making real estate investment more accessible. But what is it, and how does it compare to traditional property investment?

What is fractional property ownership? 

Fractional ownership allows multiple investors to purchase shares in a property, reducing the financial burden on a single buyer. Each investor owns a percentage of the property and receives rental income proportional to their share. This model is becoming more popular in the UK, offering an alternative to traditional buy-to-let investments. 

Benefits for investors 

This approach allows investors to enter the property market with a lower initial investment. It also diversifies risk, as investors can own shares in multiple properties instead of putting all their capital into one. Additionally, management companies often handle property maintenance, making it a hassle-free option. 

Potential drawbacks 

While fractional ownership offers accessibility, it does come with limitations. Investors may have less control over the property compared to sole ownership, and resale options can be more complex. Additionally, returns may vary based on property performance and market trends. 

Is fractional ownership right for you? 

For those looking to invest in property without the high upfront costs, fractional ownership could be a viable option. However, it's crucial to research the provider, understand the terms, and assess potential returns before investing.

Interested in exploring fractional ownership? 

With the UK’s push towards sustainability, Energy Performance Certificates (EPCs) are more important than ever. New regulations are influencing buying, selling, and renting decisions across the country. 

Understanding EPC ratings 

An EPC measures a property’s energy efficiency, rating it from A (most efficient) to G (least efficient). Higher-rated properties typically have lower energy bills and a reduced carbon footprint. 

Impact on property values 

As buyers become more conscious of energy costs, homes with high EPC ratings are increasingly in demand. Sellers with poorly rated properties may struggle to attract buyers or need to lower their asking price. 

Implications for landlords 

By 2030, landlords must ensure rental properties meet a minimum EPC rating of C to remain compliant. Failure to do so could result in fines and difficulty securing tenants. Many landlords are investing in energy-efficient upgrades like better insulation and modern heating systems. 

How to improve an EPC rating 

Upgrading insulation, installing energy-efficient appliances, and using renewable energy sources can boost a property’s EPC rating. These improvements not only enhance market appeal but also lower long-term running costs. 

Want to improve your EPC rating?  

Speak to our property experts for tailored advice 

Technology is transforming the property industry, and AI-powered valuations are gaining popularity. But how do they stack up against traditional estate agent appraisals?

How AI valuations work 

AI-based valuation tools analyse vast amounts of market data, including recent sales, location trends, and property characteristics, to generate instant value estimates.

The benefits of AI valuations 

AI provides quick and data-driven valuations, making it easier for buyers and sellers to get an initial price estimate. These tools can also reduce human bias and improve market transparency. 

Limitations of AI valuations 

While AI relies on data, it doesn’t account for unique property features, recent renovations, or local market nuances. Estate agents, on the other hand, provide a personalised touch, leveraging experience and in-depth knowledge. 

The best approach: AI and human expertise 

A hybrid approach – using AI for initial valuations and estate agents for in-depth assessments – offers the most accurate pricing. Sellers should use AI tools as a starting point but rely on professionals for a final valuation.

Want an expert valuation? Contact our team for an in-depth property assessment.