Proper Wealth – S2 Episode 6: The General Election and 2020 and Beyond - Tomer Aboody - Nova

Proper Wealth – S2 Episode 6: The General Election and 2020 and Beyond – Tomer Aboody

Paul Mahoney:

Welcome to Proper Wealth with me, Paul Mahoney. The show where we discuss all things wealth creation with a focus on property. Today we’re discussing the general election and 2020 and beyond, and what to expect. Joining me today is Tomer Aboody from MT Finance.

Tomer Aboody:

Hello.

Paul Mahoney:

Thanks for joining us, Tomer.

Tomer Aboody:

Thank you for inviting me.

Paul Mahoney:

So an exciting topic to discuss, I think. The election and then I suppose the what to expect from that moving forward. I suppose let’s start off by saying, how do you feel about the outcome of the election?

Tomer Aboody:

I think to be fair, I mean, in one word about how I feel, I think is relieved. I think it was an important election to have had, considering the amount of turmoil we’ve had and instability since the Brexit vote. We needed some sort of stability and stable government going forward. Hopefully for five years, maybe for longer, who knows, but looking past seven or eight years, we’ve had four elections.

Tomer Aboody:

We’ve had EU referendum. You’ve had a Scottish referendum. You’ve had EU regulations on the lending side. You’ve got so many variables and instabilities to the market, which hasn’t helped. It hasn’t helped property investors. It hasn’t helped people buying for their own homes because you actually don’t know what’s going to happen next.

Tomer Aboody:

So I think overall, it just gave us some sort of relief, that actually, maybe it’s a business focused kind of government coming through. Hopefully will help the many, unlike some other parties. But I was really happy. I think it should work well for the future.

Paul Mahoney:

Yeah, I agree. I think I agree. There has been a lot of uncertainty, as you say, lots of elections. Brexit is a big one where no one really knows what’s happening. I think that resulted in a lot of pent up demand when we’re talking property wise, people kind of sitting on the sidelines.

Paul Mahoney:

I think it’s just recently, even before the election, some of that demand has been returning. I heard someone calling the term the other day Brexit fatigue, which I thought was quite apt.

Tomer Aboody:

That’s quite good actually.

Paul Mahoney:

I think we’re all sick of Brexit.

Tomer Aboody:

Correct.

Paul Mahoney:

A lot of the people that were sitting on the sidelines waiting, are sick of waiting.

Tomer Aboody:

Correct.

Paul Mahoney:

No one likes to see money in the bank. So I can see some of that coming back. I think now the election, it’s not the final point, because we’ve still got Brexit to resolve. But it’s quite a positive one, I think for anybody in property finance or who has a focus on the economy in general. I think the outcome of the election was a real positive.

Tomer Aboody:

Yeah. You got someone there who actually is pushing for the Brexit, he’s going to push it to the next level and hopefully just get a final point. As you said, I mean, it’s going to be a year, two, three, four, maybe even longer of negotiations, but it is going the right direction.

Tomer Aboody:

I think the fact that it’s been so unstable and unsteady it’s, as you said, people are sitting back and they’re not sure what to do. Do they go full steam ahead? Buy themselves a home, buy themselves an investment? Even though the stamp duties are high, which probably will, I believe still have an effect on the property market. I mean, it’s not going to be all roses and everyone’s going to start buying, and the property market’s going to go shoots through the roof. Because stamp duty still is a big issue on second homes, on investment assets, I believe on main homes on the higher end.

Tomer Aboody:

So I think that’s something which hopefully the conservatives will tackle. Would help stimulate the property market, would help get that bounce even to a higher level. But as you say, I think even a few months ago when potentially conservatives were looking to get a deal done by October 31st. Even up to that point, people felt a bit better. People felt that hopefully there’s light at the end of the tunnel, even though the tunnel’s a bit further away than we think, it’s a bit longer.

Tomer Aboody:

But it has been, unfortunately, it’s been a tough market. It’s been tough across the board, for lender for buyer. You’re just not sure what’s going to happen. So hopefully this is going to be a stimulant.

Paul Mahoney:

I think so. Yeah, you’re right. Yeah. There’s been lots of changes, isn’t there?

Tomer Aboody:

Yeah.

Paul Mahoney:

We had some legislative changes around tax and then stamp duty. That’s kind of filtering its way through the market now.

Tomer Aboody:

Correct. I mean, they even brought in the business tax really relief on certain areas for shops. Trying to help and to actually influence and stimulate the retail market. Because retail is obviously taking a massive hit since the Internet’s come through. You want to help that. You want people, you want businesses to thrive. You don’t want that be falling away, for that to fall away.

Tomer Aboody:

That actually, people are losing jobs. You want actually to help that. You want to help your local shops and et cetera. So that was a good stimulant, I think. Pretty sure, I think it’s two, three budgets ago, whenever it was. Hopefully that can go forward and you like to think hopefully someone like [Sergi Jabbit 00:05:17], he’s going to come in with the next budget, something to stimulate that area and maybe the property market on stamp duty level.

Paul Mahoney:

Hopefully. Yeah. I think, not to come across too political, but we are talking about the election. Some things that were mentioned were worrying to a lot of people, such as rental caps and right to buy for general tenants.

Paul Mahoney:

I definitely got asked a lot of questions about those things and whether they were going to happen. No one really knew prior to the election, but that now seems to be put to bed, which I think is really good. It just solves that worry in some people’s minds.

Tomer Aboody:

I agree. I think the past few years, what the stamp duty has done, even though it’s been high, it has stabilized the market. Even though it’s taking a bit, maybe down, it has stopped or at least slowed down the growth. It was unfair. First time buyers or families wanting to move to bigger properties, they were having issues. The values were running away from them and they couldn’t buy. So that has helped.

Tomer Aboody:

I think that was obviously a good thing. You need to actually stabilize that now, help people go up the ladder. Now what has been great the past few years, or the past year, maybe 18 months, lenders have been more aggressive with their loan to values. Also, more aggressive in potentially the income ratios on potentially buyer. I mean, you’ll know more about that than myself.

Tomer Aboody:

But I’ve seen that there’s more lenders in the market, there’s bigger competition. So it has helped people get on the ladder and has pushed out into that side. I think the help to buy has been great. That hopefully that can continue. We all know that there’s more homes needed to be built, but I think the rental caps and the help to buy for potential. I suppose the ability for them to buy, I think that could have potentially been stagnant. It could have been actually really massively effective.

Paul Mahoney:

It could have been massive. I’m not sure whether they were realistic policies, but they were mentioned by big names and therefore they were worrying for a lot of people. We’ve certainly seen that since that has sort of now been resolved, there’s been a lot of people that were waiting for that to be solved that are now looking to buy and get back involved in the market, which is real positive.

Tomer Aboody:

I think forget that having a static market doesn’t help the economy across the board. It’s not just housing. Someone’s buying a house, typically they’re going to sometimes change your kitchen, change your bathroom, give a building work. So before you know it, you got people buying new bathrooms, buying new kitchens.

Tomer Aboody:

That stimulates to the whole economy, across the board. So you actually want to get that moving. You want to get that pushed forward. Of course, potentially that could increase prices, but hopefully not at a level that it had done previously. But you need just that to help the economy push back up again. Even though it’s been great, I think it can get better. I have confidence going into 2020 and beyond.

Paul Mahoney:

I think it’s an interesting point. So far as what you mentioned, so far as lenders becoming more creative. In some cases aggressive. You’re right, absolutely. But what’s interesting is I get asked a lot by consumers is the lending market tightening because of things like Brexit?

Paul Mahoney:

I’d certainly say in the residential and buy to let side of things, it hasn’t in any way, shape, or form. If anything, it’s moving in the other direction. I think it’s just because some people read negative media articles, they assume that the market’s tightening. When actually it hasn’t. If anything, there’s much more products and more creativity being created.

Tomer Aboody:

We are seeing as a lender and also, I suppose, as an industry, there are exits. People are able to exit a loan, which obviously proves, well, there’s actually more lenders out there. There’s actually, as I said, people who they’ve got the finger on the pulse. They’re trying to be creative, trying to work with the borrowers to try and make sure that they have a safe financial solution to any potential debts they have, or any potential mortgages.

Tomer Aboody:

That’s massively helped. It’s helped with younger people getting on the ladder. Potentially, as they say, bank of mommy and daddy to come in and help. That does help. But no, I think it’s a matter of knowledge. I think sometimes people are effected and they are going to be affected by what they see and what they read.

Tomer Aboody:

But until they actually speak to the experts, like I suppose people like yourselves, who actually know what’s out there and the products that’s out there, they’re not going to actually realize what’s available to them. To be able to get on the ladder or to actually get out of potential current debt that they have and get a better deal out there. There’s good businesses out there.

Paul Mahoney:

I think help to buy is a good example of some of the innovation that the government has used, which has been criticized to certain extent, but definitely is helping. Obviously people in London buying properties with help to buy still need a reasonable amount of income. It’s hard to solve that, obviously. But it does bring down the amount of deposit they need substantially.

Paul Mahoney:

For example, I’ve even seen some of the guys in my office that previously wouldn’t have been able to buy a home in London that have, using help to buy, which I think is great. I think there’ll be more take up of that, assuming they keep the policy in place and continue to help first time buyers.

Tomer Aboody:

It’s such a positive quality to have. You see developers, as soon as they’re able to get the help to buy aspects on the development, it’s a massive bonus to any lender. Because there’s actually going to be more a demand, it’s going to be easier for them to actually get a mortgage and be able to sell.

Tomer Aboody:

I think we all know that London unfortunately has escaped a lot of buyers. It’s very hard to bring that back. I mean, as you said before, you need to own a good amount of money to be able to buy in these areas, but so many good areas around there. Now I suppose, with the Crossrail, as in when the HS2 is being built across the networks.

Tomer Aboody:

As you make England even smaller, smaller than it is. Being able to have the access to different big cities, that’s going to massively help. That’s going to generate and regenerate certain areas. Which is why you need, you need-

Paul Mahoney:

There is plenty of exciting infrastructure projects underways that will have an impact over the coming years. Okay, great. So we need to go to a break now, join us after the break for more on the general election and what to expect from 2020 and beyond.

Speaker 3:

Property is a great investment option, but it’s one of the largest purchases that you’ll ever make. As individuals, we’re all limited by our resources, and regardless of our experience, knowledge or time, we can achieve much more with the help of a qualified team and extra resources being available.

Speaker 3:

Nova Financial specialize in assisting clients to achieve financial freedom through property investment. With over 100 years of experience, we shape your family’s future. To invest in property with absolute confidence, call us on 0203 8000 600. Or visit Nova.financial.

Speaker 4:

MT Finance is a multi award-winning short term finance lender based in London. We specialize in auction finance and bridging loans, in both the first and second charge basis. Our reputation in the market is second to none for delivering funds at speed. As a non-status lender, we don’t require evidence of credit history, accounts, or proof of income.

Speaker 4:

Instead, we look at the property and listen to the rationale behind a loan when making a decision. There are no lengthy application forms to fill in and our hands-on approach means we’re able to process a bridging finance request quickly and with minimum fuss.

Speaker 4:

At MT Finance, we believe a bridging loan should either make or save a borrower money. For more information, visit MT-Finance dot com.

Speaker 5:

Meet the Author is a brand new mini-series involving leading experts in the property industry. Including mentors, developers, property lawyers, and other industry experts who share insightful stories about their journey and their books.

Speaker 5:

Each book is compiled by authors with years of valuable experience, tips and observations. Providing you with new knowledge about the property industry. To find out more, visit the website property-tv.co.uk forward slash library.

Stephen Galpin:

Hello and welcome to Property TV. I’m Stephen Galpin, host of Property Question Time. We’ve completed the filming of series one, over 260 successful episodes. We’re now about to film series two. The difference, well, we’re going to be filming in our new studio adjacent to the Canary Wharf development. Keep those questions coming into us, keep our panelists, our experts busy, and we hope you enjoy the new series as much as you did the last one.

Paul Mahoney:

Welcome back to Proper Wealth with me, Paul Mahoney. Today we’re discussing the general election and what to expect from 2020 and beyond. Joining me still is Tomer Aboody from MT Finance.

Paul Mahoney:

So before the break we spoke about some of the things that led into the election. Some of the things that were causing uncertainties. The fact that we both view the outcome of the election as quite a positive thing and a step in the right direction.

Paul Mahoney:

So perhaps now we can talk about what we expect from the election, what that’s going to lead into, and also therefore what to expect from 2020, and beyond that. So I suppose we’ll start with you. What’s your take on that?

Tomer Aboody:

I think having had a minority government the past few years, it just hasn’t helped with any policies, any regulations having to be passed through. You needed a clean break, needed the majority to come through. You needed someone who is actually behind that, who’s going to help.

Tomer Aboody:

Whether you’re a fan of Boris or not, he’s in, he’s got the majority. He’s able to hopefully bring in policies that are going to help in generate the economy, help obviously in the property market, and help across nationwide. I mean, obviously we just saw from the voting, it wasn’t just like previous times that some Southeast and the Midlands who’ve been voting on the West. It’s like from North to South, people have been voting for that. They wanted stability, they wanted to get, as conservatives say, get Brexit done because that’s what people wanted. We wanted just to move on.

Tomer Aboody:

Even people who were hard line remainers beforehand, I’m sure by that time they’ve become so frustrated and so annoyed by the fact that it’s actually carried on for so long, that they actually really just want to get out. Because even though it’s going to be a hard couple of years, probably a hard few years of negotiations, at least we’re going the right direction. At least there’s something there.

Tomer Aboody:

I think going forward, I think it’s going to be exciting times. It’s going to be exciting times in the property market and the economy, et cetera. People will take advantage of the positivity out there. I think institutional money will come, I’m going to say come back in, because it hasn’t really left. But a lot of people maybe were holding back. Just even small time investors were holding back. Institution across the country, across the world, were holding back to see what happens with the economy and with the elections.

Tomer Aboody:

As soon as they see that sort of stability, they’re going to come back in, they’re going to start investing in infrastructure, investing into our lending, coming into the lending platforms, and helping across the board. We’ve seen lenders in the past few years, who’ve potentially, I wouldn’t say completely held back, but they’ve actually reduced the amount of lending, or maybe not being as positive or as aggressive. They’re going to come back into the market and that’s going to help developers, it’s going to help builders, et cetera. Which is what’s needed, I think going forward.

Paul Mahoney:

Yeah. I think that the point you made about the majority government is a real big one because it has been very frustrating seeing parliament meeting and never actually achieving anything.

Tomer Aboody:

No. Children arguing in a playground.

Paul Mahoney:

Yeah, exactly right. Bickering and never agreeing on anything and therefore wasting their time. So it will be good to see some things actually start to happen. Certainly the policies overall with the current majority government do seem to be quite positive in favor of the economy, the property market, the financial services market, those sorts of things. Which from our perspectives are obviously quite positive. As you say, from your small time investor through to your institutional investor, should be quite positive for them as well.

Tomer Aboody:

I mean, even for past few days the noises, the comments that the prime minister is making, it’s all positive. It’s all, a lot of it about NHS, but it’s all helping. They’re talking about, “We’re going to provide legislation to be legally binding, to invest in the NHS.” They’re listening to what the people have asked for.

Tomer Aboody:

It’s a great opportunity to have a government who’s going to help across nationwide. People from all spectrums of society economy, to build, to help them actually maintain them and keep those voters who’ve come in and maybe lend them the vote. Which they have. To keep them and actually grow that and maybe in the next election and have maybe 10 years of stability. Who knows, it may be longer.

Tomer Aboody:

I think until the oppositions start working themselves and try to actually deal with their own infrastructure, it’s going to be very hard to push the conservatives away. I think if they actually manage to listen to the people and actually push that forward with regards to the economy and financial sectors, [inaudible 00:19:21] as across other spectrums of the whole, broader aspect, I think it can only be positive.

Tomer Aboody:

The people will actually feel good about themselves and can get ready for day to day life thinking, you know what, we’ve got a government that’s working for us. They’re working with us and looking to actually help the infrastructure, the country.

Paul Mahoney:

Yeah. I think it’s a nice surprise to see some positive media around property again. There’s been a lot of property bashing happening lately.

Tomer Aboody:

Actually don’t even mind comments. I mean, I get asked to comment quite a lot on the market, et cetera. There’s only so much you can find to say, well the market has been stagnant, it’s been half a percent up, or half a percent down from last year. I mean, those are, I suppose, on the whole, it should be obvious because nothing’s going to happen until you have stability. Until you have certainty, or some sort of certainty, or a belief.

Tomer Aboody:

It’s going to have an onwards effect because previously you’re just think, well, where is this going to go? Where is this going to go? As a buyer myself, I wanted to buy a house and I was thinking to myself, do I wait? Do I go? Do you fold? Or do you twist? You just don’t know anymore. So now hopefully that will give you the positivity across the board because the media needs some sort of positive and positive spins. But we need as a market.

Paul Mahoney:

It’s a little bit scary how much influence the media has on general opinion, isn’t it?

Tomer Aboody:

Correct.

Paul Mahoney:

But to see an article yesterday describing the Boris bounce, which I thought was quite cool, but also a bit funny. But I think that was about an overseas buyer who bought a 65 million pound property in Mayfair and a big part of their decision was a Tory majority government. Now that’s just one example of I’m sure 1000s.

Tomer Aboody:

Yeah. I mean the upper ends, it’s funny actually though, the upper end for past few months, six to eight months from what we’ve seen, and what I mean by the upper in probably 10, 15 million pound plus. You’re not going to get many transactions, but there has been quite a lot. I mean, it’s all relative.

Tomer Aboody:

Comparison to two, three, four years ago because people are actually taking advantage of the weak pound, or having confidence in what’s going to happen. You have people who were buying properties a few weeks ago, thinking, okay, if it’s a labor government we might get hit. Conservative government, potentially, okay, my value is going to go up. Or at least I’m safe in this purchase. Potentially you’re going to help me stimulate and help the government, the economy being stimulated with the property market.

Tomer Aboody:

But you’re right. I think it’s nice to have [inaudible 00:21:52] coming in. Even though there’s been policies which are going to increase their stamp duties and obviously these buyers, which is not a bad thing. They’re still coming in potentially with a cheap starting, they’re buying a property with a cheap starting. So they’re already, in their mind, or actually realistically buying a 20, 30% discount to whatever they were buying four or five years ago. So actually it’s [inaudible 00:22:14].

Paul Mahoney:

Let’s obviously see whether that happens for overseas buyers. I think part of my issue with a policy like that is, again, it’s very London focused in what it’s trying to achieve. Whereas it could negatively impact other areas which do need the inward investment.

Tomer Aboody:

For sure.

Paul Mahoney:

But we’ll see.

Tomer Aboody:

Yeah, we’ll see. I mean, hopefully, they’ll work maybe some sort of a scaling factor, scaling kind of thing. I think we need some sort of, even more stimulants come through. I was saying before in the first half, I think if the government can look at the stamp duty, that’s going to be a massive, massive factor.

Tomer Aboody:

Whether they increase the threshold from people paying stamp duty from the first 1%, 3%, to a high level, as in to a higher purchase level, to maybe half a million, whatever it is. I think that people buying the higher ends, even 750, a million, one and a half million, don’t mind paying a bit more stamp duty, they understand that that’s needed.

Tomer Aboody:

But I think it has to be in conjunction and has to actually also be realistic. So I’m buying a two, three million pound house. It doesn’t have three, 400,000 pounds of holds on my rent. I know that people think people buying two million pounds, you have excess cash, you live usually within your means. So you’re going to buy two and half million pounds because you can afford to buy that. But you’re also borrowing. It’s not-

Paul Mahoney:

Exactly right.

Tomer Aboody:

You’re leveraging that.

Paul Mahoney:

The stamp duty is an out of pocket cost.

Tomer Aboody:

Correct. You’re leveraging that money.

Paul Mahoney:

It’s a huge amount extra cash that you’re putting in.

Tomer Aboody:

Right. People taking advantage of the 0% or whatever just above 0% borrowing. People have to take advantage of that now. But as you said, it’s out pocket expenses. Potentially you’re buying a house that needs work. Or if you’re buying a house at two and a half million pounds, and now you have, whatever it is, three, 400,000 in stamp duty, then three, 400,000 of work to do the property up. It’s a lot money. It’s out of your pockets.

Paul Mahoney:

Okay. Well, I think we could probably talk about this all day.

Tomer Aboody:

For sure.

Paul Mahoney:

We’re running out of time. So if we focus in on what’s your prediction for let’s say the next 12 to 18 months?

Tomer Aboody:

I think the market itself will have a fill up. I think there’ll be an increase. It might be a 2%, 3% increase. Of course, some areas will have a bigger increase than others. It’s all relative on the pricing.

Tomer Aboody:

But due to the confidence in the market, due to the confidence in people, and in the government people, will just push through and people will now start buying and go through. People will put properties back on the market. A lot of people are waiting. They say, “Well, I’m not going to get the maximum. I’m going to get previous. Let me go on the market.”

Tomer Aboody:

As you said before, there’s pent up demand, and there are people waiting to buy. I think that will go across the board.

Paul Mahoney:

I think there is without doubt, pent up demand. That’s starting to return, which is real positive. That in itself will inspire some more confidence because the market will start to move in a positive way. But then we have things like the election, which is quite positive in our view. Brexit hopefully getting resolved relatively soon as well.

Paul Mahoney:

Then as you say, perhaps also some stimulus, because it’s been a bit of a nightmare, this whole Brexit thing, and the government will probably want to stimulate the economy. They’ll probably print some money. They might even lower interest rates and show that Britain’s great again.

Tomer Aboody:

Yeah, no, for sure.

Paul Mahoney:

You combine all those factors, we’re going to see some sort of spike regardless of how big it is.

Tomer Aboody:

For sure. I think they’re going to help the property market and they’re going to help I think on the business rates, on retail. Because that’s needed, that’s definitely needed especially in certain areas where retail has unfortunately died. You want to bring that back in.

Tomer Aboody:

There’s so many other factors that they can start taxing other people, but I think it’s going to work really well.

Paul Mahoney:

Great. Well, look-

Tomer Aboody:

I’m excited. I’m excited for it.

Paul Mahoney:

I think we’ve covered a lot there in a short period of time.

Tomer Aboody:

For sure.

Paul Mahoney:

So quite informative. Thank you very much for your time, Tomer.

Tomer Aboody:

Thank you.

Paul Mahoney:

That’s all we’ve got time for now and join us next time on Proper Wealth.

Speaker 3:

Property is a great investment option, but it’s one of the largest purchases that you’ll ever make. As individuals, we’re all limited by our resources, and regardless of our experience, knowledge or time, we can achieve much more with the help of a qualified team, and extra resources being available.

Speaker 3:

Nova Financial specialize in assisting clients to achieve financial freedom through property investment. With over 100 years of experience, we shape your family’s future. To invest in property with absolute confidence, call us on 0203 8000 600. Or visit Nova.financial.

Speaker 4:

MT Finance is a multi award-winning short term finance lender based in London. We specialize in auction finance and bridging loans, in both the first and second charge basis. Our reputation in the market is second to none for delivering funds at speed. As a non-status lender, we don’t require evidence of credit history, accounts, or proof of income.

Speaker 4:

Instead, we look at the property and listen to the rationale behind a loan when making a decision. There are no lengthy application forms to fill in and our hands-on approach means we’re able to process a bridging finance request quickly and with minimum fuss. At MT Finance, we believe a bridging loan should either make or save a borrower money. For more information, visit MT-Finance dot com.

Speaker 7:

The tax system has evolved significantly over recent years for property investors and developers. You may think that you and your accountant have a grip on these changes. However, unless you are receiving specialist tax advice from a specialist tax advisory firm, then it’s unlikely to be the case.

Speaker 7:

At ETC Tax, our team of highly experienced chartered tax advisors work with private individuals and companies to deliver effective tax planning, whilst meeting HMRC compliance requirements. Let us help you to meet your personal or commercial objectives in the most tax efficient manner. ETC Tax, making the complex simple.*

Speaker 5:

Meet the Author is a brand new mini-series involving leading experts in the property industry. Including mentors, developers, property lawyers, and other industry experts who share insightful stories about their journey and their books.

Speaker 5:

Each book is compiled by authors with years of valuable experience, tips and observations. Providing you with new knowledge about the property industry. To find out more, visit the website property-tv.co.uk forward slash library.

Stephen Galpin:

Hello and welcome to Property TV. I’m Stephen Galpin, host of Property Question Time. We’ve completed the filming of series one, over 260 successful episodes. We’re now about to film series two. The difference, well, we’re going to be filming in our new studio adjacent to the Canary Wharf development. Keep those questions coming into us, keep our panelists, our experts busy, and we hope you enjoy the new series as much as you did the last one.

 

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