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and IF-ISA accounts/investments have been affected due to the impact on normal market conditions by the Coronavirus outbreak.
Property Opportunities in Liverpool
Liverpool, an overview
A general history of property investment in Liverpool paints a vivid picture of the city and its journey from a notorious no-go, to an illustrious powerhouse.
Liverpool’s story defies convention, and indeed the traditional trajectory of most cities. Once considered an area that was (for the most part) experiencing a steady socio-economic decline; Liverpool has since bounced back in a completely untypical manner.
Due to an ongoing regeneration effort, Liverpool has seen vast improvements across both its city centre and outlying areas. Liverpool’s initial decline can be attributed in part, to the advent of the post-industrial era. This time saw the workers of Liverpool’s famous ports overtaken by the machine- a much more cost-efficient and dependable means of labour. At one time there were estimated to be as many as 200,000 people employed by the Liverpool docks. Shortly after the introduction of this new technology however, this number was quickly reduced to around 300.
In a bid to realign the city’s fortune and attract new investors, both the council and the private sector introduced various projects across the city centre, including ‘Liverpool One’. Projects such as this were presented with the task of revamping the city centre, making it a more desirable space to live, work and trade. After work had begun, the city had received a substantial facelift, grabbing the attention of more investors, year on year.
Then, just as soon as it was all was looking up, it all came crashing down. Following the UK’s 2008 recession, work done in an attempt to regenerate the city ground to an abrupt halt. Although Liverpool was now a more feasible commodity, there was still much work that needed to be done. Following the recession. Liverpool saw many of their developments stand empty for several years following the crash. Despite this, the city inevitably bounced back and quickly re-established itself as a central hub for investment in the North-West.
Low prices, high ambitions
According to the office for National Statistics, Liverpool’s current population stands at around 467,000 and has a population density of 10,070 per square mile. With such a large number of people (that’s still on the increase) in a small concentrated area, an inevitable demand for property arises.
In the past decade over £5 billion of investment has successfully transformed the city back into the energetic melting pot of culture that it once was. Now, thanks to the influx of big companies such as Jaguar, Land Rover and Unilever in the city, Liverpool is creating jobs at a faster rate than even before the recession.
With a growing digital and technology climate, Liverpool has experienced a record number of start-ups since 2015. In the past six years alone, the number of companies able to be identified as high growth has risen by 56%. With a trend of growth that far surpasses its previous years, Liverpool is set to follow its upward ascent in the coming future.
Thankfully, much like the Northwest’s other major powerhouse, Manchester, Liverpool offers similarly modest housing prices. This makes property investment in Liverpool an extremely plausible and potentially rewarding practice. The average house price in Liverpool over the last couple of years has in fact been posited as being just as much as £145,359.
Why you should invest in property in Liverpool
A Port City
Whilst machines did push many people out of the picture, the port still remains a significant part of Liverpool’s economic engine. Up until recently, the port hadn’t been receiving the investment necessary to grow both itself and its handling capacity. However, according to Liverpool Vision, the port has presented the city with an incredibly opportunity for investment. Set to be one Europe’s biggest super container ports, it will be capable of handling over 1.5 million TEUS of cargo every year; ideal for expanding international business opportunities.
Another aspect to consider when thinking about property investment in Liverpool is its proliferation of both students and universities. With four universities and over 18,000 students graduating every year, Liverpool is a bustling, metropolitan hub continually pushing the boundaries of a typical modern city. With 50,000 students in total, the city is a huge draw for students all over the world looking to further their education. According to The Liverpool Echo, over 20,324 purpose-built student homes are sprawled across the city. Constantly growing, Liverpool’s student population is estimated to contribute 1,00,00,000 to the city’s economy every year. up to 70% of students require private accommodation, partly due to the Universities inability to uphold the demand of property. Perhaps unsurprisingly, this is great news for those looking to invest. The creation of other private, rentable properties helps placate the demand for housing whilst proving beneficial to investors looking to supplement their income.
Being only 45-minutes’ drive from two major airports, Liverpool is extremely accessible city to both international and local travellers. Handling over 5.3 million passengers each year, Liverpool’s largest airport, ‘ Liverpool John Lennon’ provides the country access to 68 destinations across the UK and Europe alone, making it a buzzing hub for commerce and business.
Additionally, 6.2 million people live within an hour’s drive to the city. This, once considered alongside the fact that the city is only a two-hour train ride away from London makes Liverpool an incredibly attractive prospect to businesses and commuters looking to travel to and from the big smoke.
The combination of these factors in-turn, we believe, makes property investment in Liverpool a potentially rewarding experience. Pooled together these factors underpin the economic growth of the city and subsequently supplement the rise of the housing market in the North West.
How to invest in property in Liverpool
According to Sutton Kersh, a letting agent-based firm in Liverpool, postcodes within the areas of L20 and L22 will enable you to purchase a 3-bed terrace house at auction for approximately £50k which will subsequently rent for around £5000 pcm. The increase of yields and the attraction of investing in areas that are about a 10-minute bus ride from the city centre has seen a regenerative effect upon areas previously considered to be less desirable.
Whilst a typical investor may look to purchase a property and rent it out, they may not reap the monetary income that they may have been expecting. With the increasing amount of red-tape encumbering landlords in their efforts to generate a stable income, alternative property is quickly becoming a viable option for those looking to invest in property in Liverpool.
One option worth considering would be that of a property crowdfunding investment.
This model turns property investment into a passive investment in that there are none of the ongoing concerns around locating tenants or restrictions. Each investor has a stake in the property, just as little as £1,000, and they receive their share of the yields accordingly.
For example, an investor with £20,000 could spread this as five £4,000 investments across a number of properties across the city. The risk is then diversified across various properties; allowing investors to benefit from having access to profit from properties chosen by experts who know exactly how to identify the most promising properties.
As with any investment please note that you are subject to varying degrees of risk, investments can go down as well as up and to associate yourself fully with risk warnings on any property investment sites.
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