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Investment Opportunities in UK’s Youngest Cities

A younger population can bring advantages such as attracting businesses, which will have a larger pool of working age residents to draw from.

While recent data by the Office for National Statistics (ONS) show that the UK is facing an aging population, key cities remain a hub for the young. What difference does the age of a city make?

With its beautiful, calming scenery and rich history and culture, the UK is home not just to the native Brit, but also millions of immigrants.

Over the past 20 years, younger people have increasingly chosen to live in the urban areas of the UK, while the share of older residents has fallen. Statistics show that the UK’s edgy and lively cities remain a favourite among the younger generation with 62% of people aged 18 – 34 living in cities in 2016 compared to 58% in 1996. In contrast, the share of people aged 65 or older fell from 51% to 46% during this period.

A recently released study by the Centre for Cities reveals some of the youngest cities in the UK, with  Slough as the clear winner at the youngest average age of 33.9. London, popularly assumed as the city with the youngest population, comes in at sixth place, with the average youngest age of 36.5. Here is a list of some of the youngest cities in the UK, with average ages of under 40:

Oxford   34.4
Luton   35.1
Cambridge   35.4
London   36.5
Bradford   36.7
Birmingham   37.6
Bristol   37.7
Manchester   37.8
Reading   37.8
Liverpool   38.2
Plymouth   39.4

Investment opportunities  

What draws the younger population to these cities? Job opportunities and expansion, good infrastructure, facilities and educational institutions — these are the essential pull factors. On the other hand, a younger population can bring advantages such as attracting businesses, which will have a larger pool of working age residents to draw from.

Among the cities which have been getting younger, Oxford, Cambridge and Brighton have large shares of high-skilled, high-paying jobs, and all offer good access to quality schools.

Manchester, the UK’s fastest-growing city, is Europe’s second largest creative tech hub with 70,000 people now working in the city’s creative, digital and tech industries. Like Liverpool, it is also home to some of the world’s leading universities, offering a huge cache of thinkers to future employers.

It is in cities like these that purpose-built student accommodation are at high demand, offering commercial property investors opportunities to grow their wealth in this high-yielding and unique sector. 

In Bristol, for example, the number of students needing accommodation is projected to grow to 44,000 by the 2018/19 academic year. The growth can be attributed to the city’s two notable universities, the University of Bristol and the University of West of England, which make up a total of 40,000 full-time students. Little wonder that student property is a top investment in Bristol.

Meanwhile, Liverpool’s £2bn vision to develop a world-class Knowledge Quarter will further reinforce its status as one of the best student cities in the world. The Knowledge Quarter represents an opportunity for significant future investment and regeneration, and will ultimately create more high-skilled jobs in the city. By attracting investment and creating jobs, people’s lives are improved and opportunities are created, thus attracting a greater number of young settlers and driving housing demand. 

Private Finance and Savills have now placed Liverpool and the overall Northwest as the top hotspots for buy-to-let investors with some of the highest comparative returns.  Does this pique your interest to grow your wealth in cities with a youthful population? Speak to us and find out more. Or send us a comment below!

Next week, we talk about cities with an ageing population and the opportunities they hold. Stay tuned.

Source:

http://www.bbc.com/news/uk-43316697

csiprop.com/the-top-investment-in-bristol/

csiprop.com/liverpools-knowledge-quarter-world-class-innovation-district/

csiprop.com/uk-property-outlook-2018/

csiprop.com/manchester-original-modern-city/

 

By Marzatul Ruslan

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

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Where is the Best Place to Invest in UK Student Property?

While the final numbers have not yet been released, Jones Lang Lasalle (JLL) had projected the total investment volume of UK student property in 2017 to be in excess of £5 billion as demand remains high. Image taken from Priestley Lettings UK

UK student property continues to provide rewarding returns to investors over the years. While the final numbers have not yet been released, Jones Lang Lasalle (JLL) had projected the total investment volume of UK student property in 2017 to be in excess of £5 billion as demand remains high.

Recent data reveals that annual returns for student property between 2012 and 2016 reached an impressive 11.8%. Comparatively, in the same period, residential property was at 7.8% and commercial property, as a whole, at 7.4%.

According to data gleaned from the ONS & UK HPI rental growth index, CBRE student accommodation index and IPD quarterly property index, UK student property delivered 10.2% total returns —  a combination of 5.4% rental income and 4.8% capital growth.

Annual returns for student property between 2012 and 2016 reached an impressive 11.8%, a far better performance compared to residential property and commercial property as a whole. Image credit: Property Partner UK.

There was approximately £3.1bn invested in the UK purpose-built student accommodation market in 2016, making it the second highest year on record after the exceptional 2015, when 74,500 beds were traded at a total value of £5.9bn. While the final numbers have not yet been released, JLL had projected the total investment volume of UK student property in 2017 to be in excess of £5 billion as demand remains high.

More students than ever are studying away from home, meaning the demand pool for accommodation continues to grow. In 2016/17 the number of students living in private accommodation increased to 141,210, a growth of 6.4% compared to the previous year. This trend is predicted to continue, fueled by the inability of university-managed accommodation to keep pace with student numbers, and a more discerning and affluent student population.

A chart by Cushman & Wakefiled on the growth of studio bed spaces from 2014- 2017. Image: Cushman & Wakefield UK Student ccommodation Report.

UK universities continue to recruit an increasing number of students from outside the UK, with EU students growing by 48% and international students by 70% over the last decade. There are now over 397,000 students from outside the UK, making up nearly one quarter, or 23% of the student population.

Dan Gandesha, founder of investment platform Property Partner, said that during tough economic cycles where it’s harder to secure a job, people are more likely to go to university and extend their studies. This, he said, increases demand and while the number of places does not spike, it does help underpin the demand for student property.

“Having those counter-cyclical characteristics is quite unusual for an investment class. It’s very different to (other) commercial property. Residential property to some extent isn’t affected in the same way, but it doesn’t have the same attributes of student property, whereby the numbers and the demand go up (in a downturn),” Gandesha added.

 

UK student property hotspots

To get the best returns, investors of UK student property should pay attention to cities where universities have plans to grow and relocate campuses, as well as look at cities where the supply and demand balance is favourable. Better value investments can be found in historic and emerging regional locations that have good quality infrastructure and institutions with excellent track-records in education.

For instance, the University of Bristol is planning to invest £300m over the next five years in its brand-new Temple Meads campus, which will be able to accommodate an additional 5,000 students, boosting the demand for student property in the city.

Liverpool’s £2bn vision to establish a 450-acre Knowledge Quarter will further reinforce its status as one of the best student cities in the world. The Knowledge Quarter will encompass Liverpool John Moores University, the University of Liverpool, Liverpool School of Tropical Medicine, Liverpool Science Park, the new Royal Liverpool University Hospital, and will transform the area into one of the world’s leading innovation districts. These new innovations will prove to be a draw to students and working adults alike, fueling opportunities for investors of buy-to-let and purpose built student accommodation.

Birmingham has seen a record rise in the supply of student last year and is now home to 21,000 bed spaces, according to Cushman & Wakefield’s UK Student Accommodation Report. Birmingham is second-largest student city in the country after London, with a student population of around 65,000. The University of Birmingham, Birmingham City University, Aston University, University College London and Newman University are all situated in the city, keeping demand for student accommodation high.

With a current demand ratio of 1 student to 3 beds, UK student property is poised to remain a top investment asset class in the commercial property sector for some time to come. The counter-cyclical nature of this unique asset class, coupled with the UK’s world class education system (and the currently lower pound due to Brexit) will keep the flow of international students coming.

Source:

https://www.buyassociation.co.uk/2018/02/20/purpose-built-student-blocks-can-provide-healthy-returns-investors/

https://realassets.ipe.com/real-estate/sectors/alternatives/student-housing-market-revision/10018850.article

Cushman & Wakefield UK Student Accommodation Report

https://resources.propertypartner.co/invest-purpose-built-student-accommodation/

By Ian Choong

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

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What’s Trending: Becoming a Landlord in the UK

In the UK, becoming a landlord has become increasingly popular with recent data indicating an average increase of over 100,000 new landlords every year over a four year period since 2011/2012. Image by Simon Stannard from LinkedIn.

The reason behind this sharp upswing in landlords is greatly credited to the fact that they receive good income from rental property.

In the UK, letting out property has become increasingly prevalent. Recent data provided by HM Revenue & Customs (HMRC) indicate an average increase  of over 100,000 new landlords every year over a four year period since 2011/2012.

The reason behind this sharp upswing in landlords is greatly credited to the fact that they receive good income from rental property. With savers receiving lacklustre returns from banks and building societies, thousands more people are turning to the buy-to-let sector to fetch lucrative returns.

The figures prove this: according to HMRC, more than 1.9 million people received an income from property in the financial year 2015/2016. The total income earned by landlords in the UK reached £16.2 billion, an increase of £4.1 billion over a short span of only four years!

The annual personal income statistics published by HMRC also show that total income from property dividends almost doubled over the same period, from £42.5 billion to £83.8 billion, as the average income soared to £17,000 per investor.

Recent statistics released by the Office for National Statistics (ONS) on house price growth in the UK reveals a thriving property market. Additionally, the UK property outlook for 2018 illustrates the stability of the economy in the UK — it is no surprise that many have turned to the property market as a means of supplementing their income.


UK Landlords & The Rent Control Debate: It Isn’t Bad

Accompanying this spirited news, however, is talk of Labour leader Jeremy Corbyn’s pledge to enforce a cap on rent rises. Taken at face value, the news is bound to unsettle those involved in the property market, but, a closer look at long-term effects of the regulation could prove it to be quite advantageous for investors, tenants and renters alike. Investors, it appears, could find either condition advantageous.

Amid opposing views on rent control exists neutral ground where a notable point is made: with the number of renters continuing to rise, increasing the number of homes available should be higher on the priority list than capping rent rates. The British government, aware of the housing crisis plaguing the nation, has committed to a target of building 300,000 homes a year. But dissenters question if these homes will be affordable, and the realisation of this pledge remains to be seen.  

But, back to the subject at hand. The current state of rent rates are as follows: there is no limit as to how much landlords can increase rent rates across England. One of the proposed methods for bringing rents under control would be to ensure it can be increased at no more than the level of inflation.

Bricklane chief executive Simon Heawood, who supports the idea of rent controls, explains the bright side to the implementation: “Capped rent rises inside longer tenancies make a lot of sense. Renters get certainty that they’re not going to be priced out of their property on a whim, while UK landlords get happier tenants that stay longer and, therefore, improving returns. Indeed, rent rises could be lower than inflation if the market dictates, in which case we don’t believe tenants would be worse off.”

Whether or not Corbyn’s plans for rent control is implemented depends on Labour’s performance in the next general election. Ultimately, with or without the regulation, the property market continues to grapple with undersupply and a growing Generation Rent population, giving rise to opportunities for savvy investors.

 

Not the First Time, Not the Worst Time

Rents have been capped in the UK in the recent past. The Valuation Office Agency used to set a “fair” level of rent for each property, as well as calculating the amount by which rent could be increased, until the 1988 Housing Act came into play and reduced regulation in the sector.

Worth noting are other superpowers in Europe currently practicing rent control. Paris, Berlin, Munich and Scotland are all home to different types of rent control, yet their economies  continue to thrive. Paris, in particular, continues to be one of the most desirable property markets in Europe despite the cap!

What are your thoughts on rent control? Ever thought of investing in UK property? If you feel the urge to jump onto the landlord bandwagon in the UK, contact us!

Sources:

www.csiprop.com/regional-uk-property-tops-price-growth/

www.csiprop.com/uk-property-outlook-2018/

https://www.ft.com/content/134a8a32-cf73-11e7-b781-794ce08b24dc

www.buyassociation.co.uk/2017/04/20/build-rent-developers-investors-make-three-year-tenancies-norm/

https://www.propertywire.com/news/uk/becoming-landlord-becoming-increasingly-popular-uk/

https://www.buyassociation.co.uk/2018/03/06/rent-control-debate-caps-help-hinder-uk-tenants/

By Nimue Wafiya

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

 

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UK Commercial Property Investment Rose 66%

Natex, a new-build student property investment located strategically in the Liverpool city centre, is a commercial property investment with 9% returns p.a. with 5 years assurance.

Unlike residential property investors, commercial property investors benefit from certain tax exemptions (T&C apply), allowing for higher returns on investment.

According to prominent research outfit Savills, investments in UK commercial property has risen 66% to £4.2 billion in February 2018 compared with the same month last year.

Savills states in its February Market in Minutes report that despite economic pressures from Brexit, investor appetite for UK property remains strong. In 2017, total investment into UK real estate reached £65.4 billion, representing a 26% increase on 2016’s annual total.

Unlike residential property investors, commercial property investors benefit from certain tax exemptions (T&C apply), allowing for higher returns on investment.

CEO of Savills UK and Europe, Mark Ridley, commented: “January’s volumes demonstrate that investors are still looking beyond Brexit and are happy to commit to the UK to secure prime property with secure income characteristics. Based upon current projections, driven by a downward shift in equivalent yields, we expect total returns for average UK commercial property to be around 7% this year.”

In its latest report, the Investment Property Forum (IPF) said the outlook for 2018 has improved over the three months since its last survey was conducted, with average rental and capital value growth rates increasing in virtually all sectors.

Its UK Consensus Forecasts report, which surveyed 23 property consultants and fund and investment management houses, showed that the rental value growth average forecast had risen to 0.8% from 0.4% three months ago.

Student property sector stays robust

Student property, as a subset of the commercial property sector, remains a popular investment, boasting a low requirement of capital but yielding high returns.

According to CBRE’s student accommodation index, between 2012 and 2016, annualised returns for the sector totalled an impressive 11.8%. This can be compared to the residential sector at a still respectable, but lower 7.8%, and commercial property as a whole, at 7.4%.

Places at UK’s higher education institutions remain in demand worldwide. EU and non-EU students are the fastest-growing segment, bringing a net benefit of £2.3 billion per annum to London’s economy supporting 60,000 jobs in the capital.

In 2015-16, there were almost half a million non-EU students in the UK, about one-fifth (19.2%) of the 2.3 million total. In the 2017/18 academic year, non-EU applications had risen by 2.2% even while EU applications had fallen ostensibly due to Brexit.

To date, there is a total of 1.7 million full time students in the UK. Of this number, 23% are foreign, bringing the growth of international students in the UK to a whopping 70% from 2006 to 2016.

23% of the 1.7 million fulltime students in UK are foreign. Above, HESA charts the largest international student nationalities in the UK over the past decade (Cushman & Wakefield).

The Government’s recent removal of the student cap will provide more spaces for the large number of foreign students applying to study in the UK, increasing demand for quality student accommodation.

New-build student developments like Natex in Liverpool and Bristol City House in Bristol continue to provide opportunities for the savvy investor thanks to their strategic location in the city centre and proximity to top universities.

UK care homes: fast-growing segment in commercial property sector

Care homes are another fast-growing segment of the commercial property sector. The UK is facing an aging population, with the threat of dementia becoming increasingly prevalent among the elderly. Patients suffering from dementia require specialized care, and living at a care home can ensure they have the best possible quality of life.

Julian Evans, Knight Frank’s Head of Healthcare said that the UK care homes market faces an imminent crisis due to a national shortage of beds. However, this crisis and acute undersupply of care homes has created opportunities for investors, and will continue to drive investor appetite in the coming years.

“The disparity of care bed supply and demand presents increasing opportunities for investors, and, combined with the fall in the sterling, has generated a truly global appetite for the sector.”

Research by ONS revealed that 1 in 4 people will be aged 65 years old in less than 30 years. Alzheimer’s Research states that 850,000 people live with dementia in the UK today. This figure is expected to balloon to two million by 2050. However, the supply of beds at care homes in the UK are not enough to meet this burgeoning demand.

Care home investments can offer up to 8% net-yield per annum for up to 25 years, as well as provide an exit clause or contractual buyback.

Got questions? If you’re interested in investing in UK commercial property, send us a comment or message below and we will get in touch with you!

Sources:

http://www.savills.co.uk/_news/article/72418/228196-0/2/2018/savills–uk-investment-rose-66–y-o-y-in-january

www.buyassociation.co.uk/2018/02/20/purpose-built-student-blocks-can-provide-healthy-returns-investors/

https://realassets.ipe.com/news/uks-2018-commercial-property-outlook-improves/10023400.article

http://www.ipf.org.uk/resourceLibrary/investment-property-forum-uk-consensus-forecasts–winter-2017-18–full-report.html

https://www.propertyfundsworld.com/2017/03/07/249343/crisis-uk-care-home-sector-provides-opportunities-developers-and-investors-says-kn

csiprop.com/the-top-investment-in-bristol/

csiprop.com/care-homes-investment-stand-asset-class/

UK Student Accommodation Report 2017/18, Cushman & Wakefield

By Ian Choong

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

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Investor Club for March 2018 – Shanghai Noon

Bringing attendees back through time and space to the Shanghai 70s

Last Saturday afternoon, CSI PROP had our first Investor Club event of 2018 right here at our very own Cornerstone IPC hall in Kuala Lumpur. CSI PROP holds these club events regularly as a show of appreciation for the support of our investors. And, for this year, we have planned a total of five exciting events for our clients!

The theme last weekend was “Shanghai Noon” and our hall was suitably decked in the striking colours of black and red. There were lanterns, antique furniture, and even a rickshaw! Anyone who walked in would be filled with a sense of nostalgia and the feel of the Orient, bringing them back in time and space to Shanghai in the 70s.

Attendees hard at work completing their Chinese zodiac animals

Attendees were treated to a sumptuous Chinese buffet, complete with some freshly steamed dim sum. These proved pretty popular and were the first things on the menu to finish!

Once everyone’s bellies were filled, it was time for a round of games to break the ice. Each table was given a set of questions to complete. Guests of the fastest table to complete the task were rewarded with an exclusive Moleskine notebook worth RM130 each.

CSI PROP director Virata Thaivasigamony then took the stage to formally welcome our guests and share about the investment outlook in UK and Australia for the year. He talked about how property in the various cities we market had performed over the past year, particularly the regional UK cities, which saw significant growth values. Melbourne, another focus market of ours, also performed well, outdoing all other Australian capital cities.

Comedians Chi Ho and Aaron giving the audiences fits of laughter

Comedians Phoon Chi Ho and Aaron Aw, the stars of the day, came up to tickle us pink with jokes and wit about the political and social aspects of Malaysia. The audience had a blast with their ingenuity and charisma, and laughter resounded throughout the hall.

Attendees getting their dose of humor for the day

The Investor Club event ended on a high note with a Lucky Draw, which came as a pleasant surprise for the lucky winners. We gave away a sophisticated Sports Smart Watch from Xiaomi, a car dashboard camera from Philips, a Car Multi-Tool for use in emergencies, and shopping vouchers from IKEA and Isetan.

All-smiles for our grand prize Lucky Draw winner

Our next Investor Club will be coming this May, and we hope to see our investors there for more great, fun-filled entertainment and delicious food!

By Ian Choong

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

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Celebrating Women on #IWD2018

Women are amazing, men are amazing — catch my drift when I say that both can be equally amazing?  And that’s it, that’s what International Women’s Day is all about.

General appreciation of all women in all their beautiful, varied existence may be enough for some, but, for those who seek more, this is for you: in this article, we will be narrowing the scope of admiration to recognize some of the most impactful women in England and Australia’s rich history in multiple fields. Here we go:

Boudica is a queen of the British Celtic Iceni tribe who led an uprising against the occupying forces of the Roman Empire around AD 61. Image taken from BBC.
  1. Boudica – What better way to begin the list than with one of England’s oldest heroes, Boudica. Boudica was a queen of the British Celtic Iceni tribe who led an uprising against the occupying forces of the Roman Empire around AD 61. Boudica and her daughters drove round in her chariot to all her tribes before the battle, exhorting them to be brave. It is said that she asked her tribe to consider: ‘Win the battle or perish: that is what I, a woman will do; you men can live on in slavery if that’s what you want. Boudica and her daughters were commemorated by constructing a bronze structural group near the Houses of Parliament in Westminster, UK.
Fanny Cochrane Smith made the only recordings in existence of Tasmanian Aboriginal song on wax cylinders which are held in the Tasmanian Museum and Art Gallery. Image taken from abc.net.au
  1. Fanny Cochrane Smith – Smith is an important figure for Tasmania, Australia. Despite being partly raised in orphanages and institutions, Smith continued to return to her family and to hunt, gather bush foods and medicines, make baskets, dive for shellfish and carry out Aboriginal observances for the rest of her life. Proud and vocal about her heritage as one of the Pakana people, in 1899 and 1903 she made the only recordings in existence of Tasmanian Aboriginal song on wax cylinders which are held in the Tasmanian Museum and Art Gallery.
Rosalind Franklin, an English chemist, played a fundamental role in the discovery of the structure of DNA, RNA, coal and viruses in the 1950s. Image taken from youtube.
  1. Rosalind Franklin – Franklin, an English chemist, played a fundamental role in the discovery of the structure of DNA, RNA, coal and viruses in the 1950s. Her discovery of the double-helix structure of the DNA proved invaluable to the work of Francis Crick and James Watson who were awarded – along with Maurice Wilkins – a joint Nobel Prize for describing the structure of DNA. The controversial exclusion of Franklin in the award continues to be corrected by the people of today by naming a university after her, hosting a string of events in her name and by raising her plaque in Cambridge’s Eagle Hub.
Dr. Blackburn helped enhance the understanding of the DNA by discovering the genetic enzyme ‘telomerase’. Image taken from TED blog
  1. Dr. Elizabeth Blackburn – Still on the topic of DNA, Australian scientist Dr. Blackburn helped enhance the understanding of the DNA by discovering the genetic enzyme ‘telomerase’. Blackburn isolated and precisely described telomeres in 1978. For her incredible contribution to molecular biology, she earned the Nobel Peace Prize in Physiology or Medicine alongside two other scientists. Dr. Blackburn continues to be recognized for her achievements, with a lengthy list of awards and presidentship.
In her later years, Audrey Hepburn worked tirelessly to raise support for UNICEF’s programs and increase public awareness of the challenges facing the world’s children. Image taken from Unicef
  1. Audrey Hepburn –  The English actress was initially acclaimed for her contributions to the film industry post-World War II, with her illustrious career earning her a rank by the American Film Institute as the third-greatest female screen legend in Golden Age Hollywood — Princess Anne and Holly Golightly undoubtedly perpetuated the next era of free-spirited female characters. In her later years, Hepburn branched out into humanitarian work, for which she received a Jean Hersholt Humanitarian award. In addition to over 50 trips to Third World countries, Hepburn worked tirelessly to raise support for UNICEF’s programs and increase public awareness of the challenges facing the world’s children. To commemorate the starlet with a big heart, UNICEF decided to build a bronze sculpture of named The Spirit of Audrey.
Kate Winslet is an award-winning Australian actress who has inspired many girls around the world for her portrayals of quick-witted, strong women. Image taken from Irish Examiner
  1. Kate Winslet – Like Hepburn, this Australian actress inspired many girls around the world for her portrayals of quick-witted, strong women. In 2016, following her win for Best Actress in a Supporting Role at the BAFTA awards, Winslet shared a heartfelt message: “Any young woman who has ever been put down by a teacher, or a friend, or even a parent, just don’t listen to any of it, because that’s what I did.” The actress has won too many awards to mention, and continues to contribute to the film industry.
Martha Lane Fox, a dotcom pioneer, is a hugely successful businesswoman, philanthropist and public servant. Image taken from design council dot org dot uk.
  1. Martha Lane Fox – Jumping into more current figures with financial game is British business woman, Martha Lane Fox. A dotcom pioneer, having started lastminute.com in 1997 with fellow business mogul Brent Hoberman CBE, which the duo later sold for £577m, Lane Fox is a hugely successful businesswoman, philanthropist and public servant. She sits on the board of some of the country’s most prominent brands, including Marks & Spencer and Channel 4, and has made significant contributions to the government’s digital agenda.
Jane Cay launched an online store in 2009 and now employs 140 staff. Her workforce is 95% female and a lot of staff work flexibly and part time to fit around school hours and other commitments. Image taken from UNSW Business School.
  1.  Jane Cay – Cay, founder of Birdsnest, an online fashion retail shop, is one of Australia’s most successful entrepreneurs. Birdsnest started out as a little clothes store in Cooma’s high street in New South Wales in 2004. The former information technology worker launched an online store in 2009 and now employs 140 staff. Her workforce is 95% female and a lot of staff work flexibly and part time to fit around school hours and other commitments.After being interviewed by a member of the Sydney Morning Herald, Cay revealed: “You don’t have to be the smartest or the strongest, as long as you keep being adaptable to change and evolving you can survive and thrive. I always had something that held me back and I thought ‘I’m not the smartest in my class, can I really start a business on my own?’. It was just a case of realising you just have to try it. That’s been the biggest comfort on my journey when you feel like you are winging it.”

This concludes our the list of impactful women from the UK and Australia. As a final word, did you know that an analysis by Quantopian hedge-fund researcher Karen Rubin showed that women CEOs outperform peers in the S&P 500 by three to one, further developing the conversation over women driving top financial returns. To find out more about women being at the top of the financial game, check this out: https://csiprop.com/investing-women-do-it-better/.

If this list inspires you to learn about more influential women, the internet is yours to discover! Or share with us who the most influential woman in your life is in the comments below! Happy International Women’s Day!

By Nimue Wafiya

Source:

http://fortune.com/2015/03/03/women-led-companies-perform-three-times-better-than-the-sp-500/

csiprop.com/investing-women-do-it-better/

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

 

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Australia House Prices Stabilizing?

House prices across Australia have stabilized during the past week after months of falling.
Prices in Melbourne and Sydney have remained unchanged this week. For the last month prices in Melbourne dropped by 0.1% and Sydney by 0.6%. Image source: Business Insider dot com dot au

House prices across Australia seem to have stabilized after months of falling, with prices in Melbourne and Sydney remaining relatively unchanged this week. For the last month, prices in Melbourne dropped by 0.1% and Sydney, by 0.6%.

Nationally, housing values have fallen 0.8% since September 2016. On a yearly basis, price growth in Melbourne remains strong at an increase of 6.9%, but muted from the previous year. Sydney, however, registered a decrease of 0.3%.

CoreLogic’s head of research Tim Lawless said this was fuelled by tighter credit policies particularly focused on investment and interest-only lending, which reduced demand from that part of the market.

“We think there is already evidence that the slowdown in house prices is stabilising,” said David Plank, Head of Australian Economics at ANZ Bank.

“Base effects mean the annual house price figures will continue to slow for a while yet even if monthly prices are stabilising, but we would caution against focusing on the annual change over the seasonally adjusted monthly move as it will mean that turning points are missed.”

Could this week’s price stabilization indicate a turning point for the housing market?

Australia House Prices: housing undersupply vs population growth

According to data released by the Australian Bureau of Statistics (ABS) last June, Australia’s residential population soared by 389,100, or 1.6%, to more than 24 million persons in the year to March, the fastest increase since 2014. However there was a 3.3% decline in residential construction, with the last quarter of 2017 recording a 0.7% decline.

New-build apartments like the upcoming Palladium Tower in Southbank, are being constructed to address the severe lack of housing in Melbourne.

Palladium Tower is strategically located in the Melbourne CBD area, right next to Fishermans Bend, Australia’s largest urban renewal project covering 485 hectares in the heart of Melbourne. By 2050, the area is expected to provide housing for up to 80,000 people, and employment for 40,000.

AMP Capital’s Shane Oliver told The New Daily that while Australia was near equality in construction versus population growth, for the most part, yet the last decade of construction had failed to keep up with Australia’s record population growth.

Commsec Senior Economist Ryan Felsman said, “If you look at Melbourne there’s 120,000 people moving to it per annum, but only 75,000 houses being built,”

Last year, the Urban Development Institute of Australia warned that Victoria could have a shortfall of 50,000 houses by 2020. ABS figures released in June show the state gained 144,400 to 6.3 million persons, a 2.3% increase compared to the previous year at 2.1%.

All the signs point to increased demand in the face of short supply over the next few years, especially in places like Melbourne where yearly price and rental rises have been consistent. With construction of new housing unable to match demand for the foreseeable future, opportunities continue to abound for the investor. 

By Ian Choong

Source:

https://www.businessinsider.com.au/australia-house-prices-steady-as-clearance-rates-lift-2018-2

https://www.businessinsider.com.au/australia-house-price-outlook-supply-and-demand-factors-2018-2

https://thenewdaily.com.au/money/property/2018/02/24/australia-not-building-enough-future/

http://www.abs.gov.au/ausstats/abs@.nsf/0/13ABDBADFD4D140ACA2568A9001393D7?Opendocument

csiprop.com/melbourne-property-is-fastest-selling-in-australia/

csiprop.com/australia-faces-major-housing-undersupply/

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

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Investing: Women Do It Better!

Fidelity Investments, an American financial services company based in Boston, has data proving that women are superior investors.

As surprising as it might sound and contrary to stereotypical belief, women are far superior when it comes to property investment. No, really — women are better investors. 

And we’re not making this up: Fidelity Investments, an American financial services company based in Boston, has the data to prove it.

To be clear, investing is not just about the smarts; it’s also about how careful one is with one’s hard-earned money. Fidelity Investments’ data, which is based on more than eight million investment accounts, revealed that women not only save more than men (0.4%); their investments earn more annually, too (0.4%).

While 0.4% might seem negligible, a report by Reuters published in 2017 revealed that, if calculated over a lifetime of savings and investment, there is a significant disparity at retirement age between men and women.

Vicky How, an entrepreneur, couldn’t agree more. How made her first property investment at the young age of 24 and, today, runs Propedia Consultancy, a property firm in Kuala Lumpur.

“You don’t have to be smart to be an investor. You have to be calculative and, this, women are,” she said, adding that it is a myth that men are better at investing, and that women are typically conditioned to believe that they are ‘not smart enough’ to invest, thus leaving the investing to the men. She also advises women to start investing in property as early as they can.

Virata Thaivasigamony, spokesperson and director of CSI Prop, a property investment consultancy in Kuala Lumpur, said that more men are beginning to value their wives’ opinions in investment matters.

“Men are beginning to value women’s opinions even more in matters like investment because women tend to be more cautious and detailed in their approach, and that is a good counterbalance to the more ‘aggressive’ approach that men have. We see this happening with our clients very often — many of them make the decision to invest only after discussing with their spouses,” Virata said.

“The traditional roles of men only bringing in the bacon and women managing the home and kids, no longer apply today. So many women are out there in the forefront, in positions of leadership. Women are very capable and it’s amazing that more platforms have emerged for them to showcase their leadership and talents,” he added.

Tomorrow is International Women’s Day! Do you know an amazing, talented woman? Let her know what you think of her, or share it with us in the comments below!

Big on social media? Then use the #PressforProgress hashtag to motivate and unite friends, colleagues and whole communities to think, act and be gender inclusive.

Happy International Women’s Day in advance to all women in the world. Remember to wear purple! Women rock!

By Marzatul Ruslan

Source:

https://www.thestar.com.my/news/nation/2018/03/06/women-make-superior-investors/

https://www.internationalwomensday.com/Activity/11302/Take-ownership-of-purple-in-2018-Violet-is-Pantone-Color-of-the-Year

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

 

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Oscars 2018: The UK Proves Itself Again

The 2018 Oscars was, in its own way, an homage to British history and talent, following the announcement of several British winners.

For as long as you and I have been alive, the UK has been a superpower. The expanding crosses of the Union Jack seem to be mirrored by Britain’s far-reaching hands of success into pretty much every industry: education, manufacturing, culture, fashion and more. And, if the 90th Academy Awards is anything to go by, then Britain’s film industry has surely demonstrated its triumph in the form of several golden statuettes.

The 2018 Oscars was, in its own way, an homage to British history and talent, following the announcement of several British winners.

Dunkirk, Christopher Nolan’s depiction of the Dunkirk evacuation in World War II, managed to scoop three out of seven awards it was nominated for, which are Best Film Editing, Best Sound Editing and Best Sound Mixing.

Following in Dunkirk’s success is Darkest Hour, a British war drama regarding Winston Churchill’s account of his early days as Prime Minister during World War II. For this, English actor Gary Oldman won Best Actor in a Leading Role for his portrayal of Winston Churchill while Kazuhiro Tsuji took the award for Best Makeup and Hairstyling.

Phantom Thread, a film set in the glamour of the 1950’s British fashion scene, most deservingly received Best Costume Design while The Silent Child, a British short film, took the award for Best Short Film (Live Action).

Oscars 2018 Proves UK is Home to Great Talent 

The Oscars this time around, most definitely proved the UK is home to many talented artists and a thriving film industry — Christopher Nolan, director of Dunkirk amongst many other famous movies, revealed in Total Film that he was adamant that all of the cast be British for Dunkirk, which, evidently, worked out well in terms of film success and historical accuracy. Nolan himself was raised in Westminster, UK, crediting his own trip across the channel to Dunkirk and his knowledge of Britain’s rich history, for inspiring him to make the film.

Inspiration for the Darkest Hour came quite the same way, with the film’s equally decorated English director, Joe Wright being enamoured by Winston Churchill, and his interesting leadership qualities.

It goes without saying how important the filming locations were in bringing historical movies such as the Darkest Hour to life. Manchester, the second largest city in the UK, was featured heavily in the movie. Permission to film in Manchester Town Hall and John Rylands Library in the University of Manchester, which doubled for a World War II-era House of Parliament, provided the crew of the Darkest Hour the perfect solution to their location hunt.

Location manager Joe Cairns, explains, “We were met with such a warm welcome and the ease of filming at both busy city centre locations made the production’s experience in Manchester an extremely positive one. To now have Screen Manchester, which is the dedicated film office for the City of Manchester, further develops the city’s strong commitment to supporting film & TV production and the clear understanding of the huge investment it can add to the local economy.”

Screen Manchester was recently established as the city’s official film office, to support location filming in the area. Along with Manchester’s brand new film office are many other film offices and studios spread out across the country, proving that the UK has a good eye for spotting industries that provide great returns.

Not surprisingly, Manchester is home to the fastest-growing creative industry in the UK outside London, with some 48,515 people working in industries such as design, film and TV, publishing and architecture. Many defining achievements in science and technology come from Manchester, too. It is where the world’s first IVF baby was conceived, where they split the atom and isolated graphene.

Manchester’s staggering development makes it an attractive place for investors looking for the next big thing to invest in. With all this economic progress happening in Manchester (and most of the UK, as proven with a little more research) one would be regretful not to take a look at the UK’s booming property market following high demand for more housing spaces. Should your interests extend beyond the Oscars and into real estate, please feel free to contact us. We can definitely help you with that!

What did you think about the Oscars 2018? Do you agree that the UK has much talent? Share with us your thoughts in the comment box below!

By Nimue Wafiya

Source:

bcnews.go.com/Entertainment/director-christopher-nolan-tells-inspired-dunkirk/story?id=48772403

http://collider.com/bruno-delbonnel-interview-darkest-hour/

https://www.prolificnorth.co.uk/news/broadcasting/2018/01/manchester-looms-large-darkest-hour

http://www.screenmanchester.com/

https://www.manchestereveningnews.co.uk/business/business-news/manchester-fastest-growing-creative-industry-14295016

csiprop.com/manchester-original-modern-city

csiprop.com/uk-property-outlook-2018

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260

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Australia Faces Major Housing Undersupply

Experts are predicting that Melbourne is heading for a housing undersupply due to the increase in population.

Not enough houses being built to tackle Australian housing undersupply

Just this week, data released from the Australian Bureau of Statistics (ABS) illuminated the dire undersupply of housing currently besetting the nation. New figures show an unsettling lack of houses, especially where they are needed most — cities such as Melbourne (specifically Melbourne CBD), Sydney, Brisbane and Hobart, all home to impressive population growth rates, are expected to depend greatly on new residential constructions to meet high demand.

The ABS figures showed a 3.3 per cent decline in residential construction in trend terms, with the last quarter of 2017 recording a 0.7 per cent decline — such trends still occur despite population growth, immigration and interstate migration which continue to push Melbourne, Sydney, Brisbane and Hobart well into a more populous future!

AMP Capital’s Shane Oliver told The New Daily said that, for the most part, Australia was near equality in construction versus population growth, but that the last decade of construction had failed to keep up with Australia’s record population growth.

Housing Undersupply in the face of population growth

“If you look at Melbourne there’s 120,000 people moving to it per annum, but only 75,000 houses being built,” said Commsec Senior Economist Ryan Felsman, echoing Oliver’s observation.

The same concerns about Melbourne, specifically Melbourne CBD, have been heard before, the Urban Development Institute of Australia warned last year that the city could have a shortfall of 50,000 houses by 2020.

New-build apartments like the upcoming Palladium Tower in Southbank, are being constructed to address the severe lack of housing in Melbourne. Palladium Tower is strategically located in the Melbourne CBD area, right next to Fishermans Bend, Australia’s largest urban renewal project covering 485 hectares in the heart of Melbourne. By 2050, the area is expected to provide housing for up to 80,000 people, and employment for 40,000.

And yet, experts from BIS Oxford Economics who had gone on record to reverse its initial predictions about the surplus of apartments in the city centre, are stating that Melbourne is headed for an undersupply based on the increase in population.

If we zoom in on Melbourne’s astounding population growth, the shortage of houses will begin to hold even more weight. As of 2016, the estimated residential population in the municipality of the City of Melbourne was 151,176. This figure, when added to the colossal 903,000 people who were recorded to have travelled to or be present in the municipality on an average weekday, produces a whopping 7-digit figure the housing market is not currently prepared for.

Even more surprising is the population growth in Melbourne CBD. The district, which spans only 6.2 km^2, is expected to have a population of 76,982 in 2037, 44% higher than the population in 2017 — this growth forms 29% of the total projected population growth of the City of Melbourne within the same time frame!

To illustrate the critical undersupply in Melbourne, is a recent story of regarding a property developer, Tim Gurner, whose launch of rental apartments at 74 Eastern Road , South Melbourne, amassed a queue of people who snaked around the block to inspect the 47 newly completed units.  

The Australian Financial Review Rich Lister said his 74 Eastern Road apartment development attracted more than 500 inquiries and 150 rental applications without a single advertisement. All the apartments were subsequently leased within a few hours.

“We have been absolutely blown away by the response to the first inspection, which we only advertised with a single sign board on the front facade. Half an hour before the inspection time we already had a line out the door and around the corner,” Mr Gurner told The Australian Financial Review.

Gurner closes his account by declaring that operations that further restrict housing supply, such as increasing taxes on new constructions, will only exacerbate the issue for the house-hunting population.

As expected, high demand for houses will continue to propel Australia’s property market forward. Melbourne, especially, Melbourne CBD, is expected to take the brunt of this undersupply following its high population growth rate.

By Nimue Wafiya

Sources:

https://csiprop.com/the-spiraling-growth-of-melbourne-cbd/

http://melbournepopulation.geografia.com.au/

http://www.afr.com/real-estate/residential/lack-of-apartments-to-rent-will-hurt-in-18-months-says-tim-gurner-20180131-h0r401

https://thenewdaily.com.au/money/property/2018/02/24/australia-not-building-enough-future/

CSI Prop proudly promotes international investment property with high yields at low risk. Our portfolio comprises residential and commercial property including student accommodation and carehomes, in cities across the United Kingdom (London, Luton, Manchester, Liverpool, Newcastle, York, Glasgow, Scotland; Sheffield, etc) and Australia (Melbourne, Perth, Brisbane). Our projects are concentrated in high-growth areas with great educational, infrastructural and job growth potentials. We aspire to make a difference in the lives of our clients by helping them achieve their investment goals through strong market research backed by third party experts and due diligence. 

Disclaimer: CSI Prop does not provide tax & legal advice and accepts no liability. Readers are encouraged to consult a qualified tax or legal advisor for a thorough review.

Need advice or clarification? Call us for more information and/or to find out about our projects! Hotline: 03-2162 2260