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Currently been looking at extending the house and doing lots of improvements due to an improvement in cash flow, and we have finally settled on the idea of a new kitchen.

It is amazing on the competition amongst people wanting you to come and spend your money with them within this industry. I spent some time researching online and became confused at all the different themes and packages available.

So, down to amount of money being spent, rather than anything else, I ended up going down to a consultant at a local store. It felt a bit more personable, having the ability to convey my thoughts of what we wanted on face-to-face basis.

We have now had the initial consultation and settled on a layout, its a case of picking the units etc, that will sit in what could be a truly magnificent room when complete.

Some properties are very expensive and built up. This sort of property is usually in the shape of a mansion. The more expensive and luxurious a property is, the more chance it has of getting robbed, so surveillance is usually taken into consideration to prevent this.

A hired security man can be hired, along with a surveillance bunker if the owner has the money. Surveillance also includes cameras being installed, guard dogs and neighbourhood watch. Any type of property can get robbed, so ensuring your property is well protected is a great idea, and also means that the home is a lot safer.

Property development is a route some people take for interest in a house. An area which hasn’t been built on is usually the more popular place in which properties are built, as it is quieter, and is easier for the property developers to get in and out of the area.

Investing in a property being built is hit and miss. If the area proves popular in the market, the price of the property can be negotiated, and a massive profit can be made, as the property is popular. If the area is unpopular, or hasn’t got the right interest, then the amount in which the property is worth may decrease, meaning a loss in profits.

A property abroad is usually most expensive. This is due to the location of the property, as well as the climate the property is found. The climate is important, as a hot, sunny country, will be more appealing to the owner or tenant as it is warmer etc.

Secondly, a property in a foreign country can be leant to tenants just like they are back home. One of the drawbacks with a property abroad, is that, depending on its location, it could be susceptible to being robbed or damaged (i.e. if secluded, not in surveillance). A foreign property is usually a good investment.

Property development is a route some people take for interest in a house. An area which hasn’t been built on is usually the more popular place in which properties are built, as it is quieter, and is easier for the property developers to get in and out of the area. Investing in a property being built is hit and miss.

If the area proves popular in the market, the price of the property can be negotiated, and a massive profit can be made, as the property is popular. If the area is unpopular, or hasn’t got the right interest, then the amount in which the property is worth may decrease, meaning a loss in profits.

Buying a newly developed property is a common occurrence in the market. Newly developed properties are popular due to the modern look that they have, as well as the amount they are worth.

Flats and apartments are popular bought newly developed properties as they can be loaned out to tenants at a fairly high price, resulting in profits for the owner, as well as building a good reputation for the property and area. A property which has just been released to the market in a town, will be a lot cheaper usually due to the amount of neighbours and noise that the area surrounding the property receives (i.e. traffic, punters etc).

Scotland commercial property has now seen its first quarter of positive capital growth in over two years. This falls in line with the rest of the UK which also sees a positive growth with capital values rising 1.5%. on a downside the report also revealed that the rental values have not returned the positive growth. Over the past year rental values have fallen by 4.2% compared with -8.4% at UK level. The investment made in the Scottish property has improved but along with the rest of the UK its’ been a very slow increase. The lack of investment in the Scottish property in 2009 is sizeable but looks less and less likely to hit the year end figure of £1 billion.

British Land is the UK’s biggest Landlord, a recent report shows that the value of its property empire rose 1.4% in this years second quarter to a estimated £8,29 billion.

This increase is the first of its kind after more than two years and follows a crash of 45% back in June 2007. The chairman of British Land Chris Gibson-Smith today called the property crisis the worst storm in real estate history.

The value of the property portfolio includes offices across London and retail parks across the country was down 2.4% in the first half. A former banker with Barclays and Goldman Sachs said that the worst is probably behind us. Its in this light that British Land said 70% of its properties increased in value after June 2009.

In Perthshire the property market is on the rise according to some industry insiders. It is reported that sales in October reached £20m according to Perthshire Solicitors Property Centre. This accounts to more than the first three months of a year. The average sales price for the area reached £176,500 which is up from £153,000 in the second quarter.

The royal institution of Chartered Surveyors revealed that more properties were being put on the market – this was confirmed by 16 chartered surveying companies which also suggested the slump in housing prices had bottomed out and finally property values were on the increase.

With buy to let mortgages being ready available before the downturn in the economy the federation has asked that all they now are regulated in the same way that mortgages are done.

With them being considered a business opportunity they did not attract the same guidelines of affordability as mortgages.

The BPF wants the FSA to regulate them the same way it does its mortgages so that when the economy has gained in strength banks will not have the same approach to lending and hopefully avoid them lending money irresponsibly.

Ian Fletcher of the BPF said

Many lenders simply threw money at buy-to-let borrowers during the boom without sufficient checks on who they were lending to or what they were lending for.

He also added

we need to make sure the property-fuelled meltdown doesn’t happen again. Professional landlords have suffered as a result of banks refusing to lend. If landlords can’t expand or invest in new homes, it hurts all areas of society.