“Let us guide you to your dream house ”

Buying or selling your home can be stressful. We have created Stephen CPA M.S Lai and co. LTD to provide you with peace of mind that your next move will be as easy as possible. Get the facts you need to know before you buy or sell today.

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About Us


Who we are:
Stephen CPA M.S Lai and co. LTD is a secure medium between our agents and potential buyers. We offer unique and specialized services with our dedicated commitment to helping our overseas buyers and UK expats in finding the most suitable properties in Manchester and Burnley for their particular requirements. We offer properties at reasonable prices depending upon the location and house. Our clients can be categorized into the following two groups:
  • Clients seeking property for their own use.
  • Clients seeking property for a worthy investment.
About Us

Who we are: Stephen CPA M.S Lai and co. LTD is a secure medium between our agents and potential buy


Great Britain is one of the busiest and historical places on earth, therefore searching for a property in Manchester and Burnley on your own for the right amount of money could be a tiresome and time-consuming job. In this complex and challenging situation, our organization comes into play with detailed knowledge of the market and can guide you in making one of your most important decisions.
Stephen CPA M.S Lai and co. LTD acts as a bridge between our agents and our clients seeking to own properties in Manchester and Burnley . Our specialized agents in their fields can help and guide our clients with their potential feedback in purchasing a property in the right location for the right amount of money according to the taste and requirements of our respected clients.
Who we are:  Stephen CPA M.S Lai and co. LTD is a secure medium between our agents and potential buy

Our services


Our services eliminate the stresses of house hunting and speed up the process, thereby securing UK homes at the right price. We filter out properties that meet your brief, which means your precious time is not wasted. We have a precise knowledge of the property buying process and costs involved in extensions, planning permissions, and repair so that we can advise you appropriately.

Customers can have the confidence of knowing that they will be dealing with a company that has undertaken to treat them fairly if problems arise, and deliver customer service standards that go beyond minimum legal requirements. Overall, we make sure you get a property appropriate to your needs and save you time and money.

Our company is able to provide you with a complete property investment solution. We and our partner companies acquire suitable investment properties, renovate them, rent them out, and then sell them to overseas investors in a secure way. We have systems in place to reduce risk with use of official client accounts, appointment of knowledgeable solicitors to do local searches and registration under buyer’s name at the UK Land Registry.
Our services

OUR TEAM


Our team is our main center of attraction in their respective domains. Our organization encompasses one of the most exceptional and experienced individuals ranging from lawyers, accountants, estate agents, immigration specialists, and researchers. The team is well informed about all the international laws and its architecture across the globe. Our team is a coordinated unit that acts fast and responsive in every pubic-related problem and can guide our clients to suitable alternatives and optimal solutions.
OUR TEAM

OVERSEAS NATIONALS


Many of the overseas buyers are seeking to invest their money in property to ensure long-term investment benefits. Potential foreign buyers are more interested in looking for property in the UK [HZ1] to secure their investment plans.

For this, our organization Stephen M.S. Lai & Co Business Consulting Ltd is providing our overseas clients to avail the best opportunity of our exclusive services in finding the right property of your dreams, especially in Manchester and Burnley. Our services can speed up the whole process from finding the right estate to the transfer of title.

Overseas buyers tend to exhibit several forms regarding investment in the property business. Most of them are mentioned below.

  • Most of the overseas buyers is not looking for immediate immigration in the UK.
  • Overseas buyers plan to secure their investment by owning a property in the UK.
  • Some of them intend to send their children to study options in the best colleges in the UK.
  • Some of them may have studied here themselves.
  • Some of the retired buyers seek to have regular monthly payments like a pension plan by owning a property in the UK.
  • Most of the overseas clients wishes to come to the UK to buy property for their use.
 These potential buyers are looking for a complete solution; this includes finding an investment property, dealing with UK authorities, and managing future resale or transfer of the property title.     [HZ1]KEYWORD.
OVERSEAS NATIONALS

UK RESIDENTS


Many UK residents living in London or Central London are now planning to invest in the low-cost houses in Manchester and Burnley for steady, long-term pension-type incomes. Our UK clients are mainly either busy professionals working in or near London or those that have retired or coming up to retirement.

Living in London or buy property in London is not an easy task as the prices are too high for any investment plans. Therefore, our company provides a chance for our potential clients to buy properties in Manchester and Burnley instead of London as the prices are fair and reasonable in Manchester and Burnley.
UK RESIDENTS

UK EXPATS


Most of our clients are British Nationals who are working and living abroad but are very interested in investment plans for property business. They are looking forward to investing in the UK for safe, long-term investment plans in one of the world's most secure countries. Most of the UK nationals think about investing in their homeland for its land security and its socio-economic advantage. Most of the UK expats want to own their property in the UK, especially in Manchester and Burnley for the following reasons:
Some of the clients intend to retire in the UK and want the property for their use.
Some of them want to keep these properties for long-term investment.
Some of them want to pass their property to their offspring.
UK EXPATS

Why UK Expats Invest in Manchester and Burnley


Our clients' main concern for investing in property in Manchester and Burnley is discussed below:
  • Economic Stability.

  • Low Crime Rate.

  • Political Stability.

  • Reasonable Taxes.

  • Industrial Hub.

  • Less Crowded.

  • Cheaper Land and Property Rates.
  • Environment-Friendly Place.
Why UK Expats Invest in Manchester and Burnley

PROPERTIES FOR OWN USE


In many cases, our company has witnessed overseas buyers and expats looking for a property for their use. These properties are not yet owned by our allied companies and are only available in the third-party resale market. In those cases, we act as buyers' agents to find the most suitable property for you in Manchester and Burnley , which is our main focus. We are also in direct contact with the third-party sellers and their agents, and for that, we charge our clients a minimal fee to help them find the property of their taste.
Following are the steps that need to be taken care of while searching for “property for own use":
Look out for relevant requirements.
Search Suitable properties for own use.
List them down.
Make a Shortlist.
Viewing and Selection.
Help with Negotiations for the best prices available.
Oversee the Transaction Process.
In rare cases, we may refer our clients to local Estate Agents who may be more familiar than us with your desired location. In these cases, we tell our clients that we cannot help you in this area. The biggest dilemma is that many clients end buying in the wrong locations, and sometimes their circumstances change, and the property purchased is not well suited to their needs and requirements.
PROPERTIES FOR OWN USE

UK INVESTMENT PROPERTY


The UK is one of the most secure areas for property investment in the world. Prices for UK property are now low due to Covid-19, and rental returns are good with up to 8% gross rent on low-cost properties. Currently, prices are soon expected to hike in line with economic recovery in the UK, and prices on lower-cost properties could be doubled within years to come.
Stephen M.S. Lai & Co Business Consulting Ltd is a UK based property consultancy firm that provides complete service to property investors from the UK and overseas. We offer low-cost investment property with full management and guaranteed rent for Overseas Buyers, UK Expats, and investors from London and Manchester. We are a client-focused service with no hidden charges, and we are all available for you.
UK INVESTMENT PROPERTY

LOCATION


We are providing mainly two attractive investment locations, which is Manchester and Burnley. London is very expensive, rental yields are much lower, and there is more uncertainty in this area following Brexit. Therefore, the best area is Manchester and Burnley.
LOCATION

Why Invest in Manchester’s property?


Manchester boasts one of the UK's busiest lodging markets, so it's nothing sudden that house costs in Manchester and Burnley [HZ1] have grown more than wherever else in the UK, giving a classic pounding to quite a while since 2012. As per a creating people, JLL anticipates that house costs will create by 22.8% someplace in the scope of 2018 and 2022 in Manchester, while rents will climb by 17.6% in the comparable period. There are other several reasons to invest mainly in Manchester Property which are listed below:
  • The second-biggest city in the UK.

  • Manchester Medical System.

  • Mall around Manchester.

  • Transport Network in Manchester.

  • Industrial Hub.

  • High increment of significant worth
    
Why Invest in Manchester’s property?

Letting Agent


Other Letting Agents other than us may echo higher rental yields, but these are the Gross Rental Yields, which on these properties is an average 8%. There will be three main reductions which other agents will make and we have to be cautious about that.
  • Rent Not Collected.

  • This could happen in case of vacant property or tenant not paying rent.
  •  
  • Management Fee.

  • The fee charged by other agents is 9% to 15% plus VAT = (11% to 17% of the rent).
  •  
  • All Other Costs. 

  • Other costs such as property repairs, maintenance, compliance costs, or tenant eviction costs, etc.
We do not use this system. Instead, we use the Net Guaranteed Rent System, which is all-inclusive and means that none of the three main costs above apply. Our clients know in advance the exact rent they will receive, there are NO management fees, and all expenses are covered.
Letting Agent

OUR CLIENT SYSTEM


This is the system where we operate with our domestic and overseas clients. This is the most important figure, and the net rent you get into your bank account after ALL costs and is guaranteed. Rent is Guaranteed in any case.

  • There are NO management fees.

  • All expenses are covered.

  • Our Net Guaranteed Rent System also includes the Free Standard Maintenance Package.
This is the system we operate as default. The rate of 6% per year is guaranteed for three years, and after this automatically renews (as per wishes of the owner) each year, at the prevailing Long-Term Net Guaranteed Rent Rate.
OUR CLIENT SYSTEM

FREE MAINTENANCE PACKAGE


Stephen M.S. Lai & Co Business Consulting Ltd is providing you the opportunity to avoid all the property maintenance costs. You don't have to worry about the maintenance charges as all these items are free. The following items are included in our maintenance package.
  • Annual Gas certificates.

  • Electrical Certificates.

  • All Repairs of any nature (e.g., plumbing issues, leaks, roof and boiler problems)

  • Council tax.

  • Tenant Damage.

  • Tenant Eviction.

  • Court Costs.
After the first three years, clients continue with a maintenance package. The Standard Package shown above is included free of charge in the long-term Net Guaranteed Rent System to keep the property fully maintained and productive while it continues to grow in value.
FREE MAINTENANCE PACKAGE

Benefits of Investment Properties in the UK


The following are the reasons mentioned for property investment in the UK, specifically Manchester and Burnley, as they are two major hotspots for your worthy investments.
  • High rental yield due to rental demand.

  • Low cost due to Covid-19

  • Good capital growth potential as the economy is now recovering.

  • Already rented out (no renting charges to you).

  • Guaranteed rent option for a minimum of the first three years, for

  • peace of mind and customer satisfaction.

  • Secure purchase process with defined verifiable stages.

  • Low purchase fees that are fixed, so you know what your costs will be.
Benefits of Investment Properties in the UK

VACATION USE


Your property could be your vacation spot. Trying to use your feature for holidays is not cost-effective and ends up costing you more. The best way to use your property is to keep it rented out all of the time and to use the rental income for your holidays and visits to the UK. This is more cost-effective and allows you to have your holiday anywhere in the country, in accommodation of your own choice.
VACATION USE

FUTURE OWN USE


On the off chance that you move or choose to live in the UK, and need a property for your lasting use, the best activity is to exchange these venture properties and get an 'own utilization' property in your ideal area. We can assist you in doing this. Meanwhile, your assets would have developed at a decent rate. Another choice is to lease an "own utilization" property and utilize the rental salary from your speculation properties to pay for it.
FUTURE OWN USE

BUYING FOR CHILDREN'S EDUCATION


Numerous customers at first are searching for a property that is close to a college with the goal that this can be utilized by their kids if and when they do come to concentrate in the UK. We recommend that this is your primary point on the off chance – you ought NOT to buy property yet.
The issue is that the chose feature may not be in the correct area, in the right network, advantageous for your kid – regardless of whether it is close to the town you figure your youngster will learn at.
It is better for them to lease at first and can move around to guarantee they are in an advantageous and safe area for their investigations. We have numerous customers from abroad who wish to do this; however, they never wind up utilizing their properties for some explanation for all intents and purposes.
BUYING FOR CHILDREN'S EDUCATION

MORTGAGES


Home loans are not accessible for non-occupants (even UK nationals who are living abroad). The entirety of our customers is utilizing their assets to buy such venture properties. A considerable lot of our customers get one feature and afterward wish to purchase another in 1 to 2 years. Our organization offers intrigue free money on the second property, which is connected to the future lease from the current and new features. This empowers customers to purchase the second property with lower money holds.
MORTGAGES

RESIDENCY IN THE UK


The acquisition of any property in the UK doesn't give you any programmed residency, work rights, or permanent visa in the UK. As a speculator, it will be simple for you to acquire visit visas; however, you don't get programmed residency or capacity to work in the UK. On the off chance that residency is your principal point – you ought not to accept a property – yet look for fitting visa or migration guidance.
RESIDENCY IN THE UK

PROPERTY FOR OWN USE


We are offering our services for ‘Own Use’ Properties that allows you to invest in properties for our targeted locations in Manchester and Burnley. In this service we act as Buyer’s Agent and deal with a wide range of sellers and seller’s agents all over the UK. We also provide our valuable services in finding the right property for overseas buyers which includes following major and important stages.
Look out for relevant requirements.
Search Suitable properties for own use.
List them down.
Make a Shortlist.
Viewing and Selection.
Help with Negotiations for the best prices available.
Oversee the Transaction Process.
PROPERTY FOR OWN USE

(1) FIND OUT YOUR REQUIREMENTS


The initial step is to comprehend your prerequisites and needs appropriately. One of our accomplished senior Consultants or Directors will be your primary contact concerning your buy. In some cases, our clients are not sure about what kind of UK property would be best for them, and in such cases, we can manage them as we have had the experience of related necessities before. When the essentials have concurred, we affirm these recorded as a hard copy and start our hunt procedure. Now, we may likewise request that the client pay the underlying enlistment charge to hold our administrations (see underneath under expenses).
(1) FIND OUT YOUR REQUIREMENTS

(2) SEARCH SUITABLE PROPERTIES FOR OWN USE


When we have concurred your prerequisites, we will scan for appropriate properties. Just as taking a gander at our databases, we will talk with all the fitting merchant's operators to choose the entirety of the properties that would meet your prerequisites and financial plan.
(2) SEARCH SUITABLE PROPERTIES FOR OWN USE

(3) SHORT-LISTING PROCEDURE


From the rundown of chose UK properties , we will create a waitlist that best meets your prerequisites. We will give you the subtleties and talk about every property on the short-list. From the short-show, you might have the option to choose various properties which would be reasonable for individual viewings when you visit the house.
(3) SHORT-LISTING PROCEDURE

(4) VIEWINGS & SELECTION


At the point when you are prepared to visit the UK for viewings, we will mastermind the displays and go with you to each concurred seeing. After your viewings, you may choose one most appropriate property, and maybe one hold (on the off chance that exchanges on your picked property don't meet your actual cost).
(4) VIEWINGS & SELECTION

(5) NEGOTIATIONS PROCESS


Our advisors will know about the neighborhood estimating and will be in a decent situation to arrange the ideal cost for your benefit—much of the time, these outcomes in investment funds ordinarily that of our charge.
(5) NEGOTIATIONS PROCESS

(6) OVERSEE THE TRANSACTION PROCESS


After cost and terms have concurred, we follow up for your sake to make sure about the buy and guarantee the transport procedure goes smoothly. This may incorporate liaising with specialists and assessors. All through the process, we will persistently screen and report progress to you through to culmination.
(6) OVERSEE THE TRANSACTION PROCESS

(7) EXTRA SERVICES


If vital we can get a Power of Attorney to speak to you in the purchasing procedure on the off chance that you can't be available in the UK to sign buy reports. After buy, we can care for your UK property while you are away and help give ownership to the executive's administrations if you wish to lease your property.
(7) EXTRA SERVICES

PROPERTY BUYING PROCEDURE IN THE UK


The purchasing procedure for the acquisition of venture property in Manchester and Burnley is like that of buying 'own utilization' property from third-party vendors, however, is more straightforward and can be finished in a shorter timescale.
PROPERTY BUYING PROCEDURE IN THE UK

BUYING INVESTMENT PROPERTY


The procedure for the Investment Properties in Manchester and Burnley is less complicated as there are no third-party included, and the rental and the executives of the property don't change as it keeps on being overseen and leased by our accomplice organizations or us.
There is no home loan moneylender included. The costs are fixed (under the market and rental yield), and an earlier reservation understanding gives security and sureness to us and for you in the buying procedure. In this manner, the process is speedier, and the purchaser begins getting ensured lease multi-month after Purchase Completion.

Step 1
MAKE ENQUIRY
Complete an Enquiry Form on the Home Page with your email and details and get further information.

Step 2:
INFORMATION REQUIREMENT:
Our staff will email you data and can call you to examine your requirements. Is venture property in the UK directly for you or not? We mean to give you excellent legit guidance and will let you know whether such a property won't address your issues.

Step 3:
Ownership Details
First, you have to choose if the property to be bought by a solitary proprietor or different proprietors, or organization, on the off chance that numerous proprietors (for example, a couple), you will likewise need to think about the kind of joint proprietorship. Most financial specialists go for single individual proprietorship, as this keeps things straightforward.

Your ID data will be required BEFORE we can begin managing you or indicating you any property or give official statements or draft understandings. This is an administrative necessity in the UK and some abroad purchasers don't welcome this. You can sweep and email this data to us. We are legally necessary to keep all such information secret. The ID data required will be:
Passport copy (photo page)
Address ID e.g. Driving License, ID Card or Utility Bill
When we have your ID data, we can give progressively explicit subtleties and a draft Reservation Agreement and format how the buying procedure will continue in your specific case.

Step 4
ARRANGE VISIT:
Most investors will visit us – either before purchase or after purchase. This will allow us to meet you at our offices and show you the different areas and different types of properties. You will not be able to select the specific property at the visit but will get a good what the properties and fields are like and fully understand our company.
To visit, you will need to book in advance and provide ID beforehand as per the step above. We can also get your documents attested by a UK solicitor (if not done overseas) as identification is required for exchange of contract, purchase completion, and registration under your name at UK Land Registry. We also get documents done to represent you for other steps in the purchase process and property management.
If you are abroad and not yet visiting the UK, you can still buy it. Again, we will need to get your documents (passport, address ID & ID-1 Form) attested by a lawyer in your country to the satisfaction of solicitors and the UK Land Registry. This can be done quickly, and we will provide full details.

Step 5
MAKE RESERVATION
We utilize the 2 phase "Hold and Select" process. When you consent to buy, you should sign and output back the Reservation Agreement sent to you in sync 3, and afterward make an installment of 10% into the Client Account.
This is a significant advance as the Reservation fixes the cost and gives you a need in property determination, which is typically 4 to 5 weeks after the fact. After Reservation, we will likewise send you ID and different structures for you to finish and output back to prepare things for the specialists.
You will also need to give three months of bank articulations to show the wellspring of assets. We can support you and guide you in this procedure with the goal that you can send the correct records to us.

Step 6
PROPERTY TRANSFER & OWNERSHIP DOCUMENTS
We follow the "Encouraged Buying Process" (see original[HZ1] video). We typically follow up for your sake to guarantee all the means are taken to lawful trade of agreements and complete the property buy after your full installment.

Nearby outside free Law Society Solicitors represent purchaser, do look, check titles, total buy, and register under purchaser's name at UK Land Registry[HZ2] . The culmination is typically around a month after property choice (if all archives including bank proclamations and last installment prepared), and Registration is ordinarily a month and a half after fulfillment.

Following the finish, you get a fulfillment rundown, and afterward, the property is enrolled under your name at the UK Land Registry by your specialist. The specialist will give proof to this after enlistment. We will guarantee all reports are sent to you. You can likewise check your possession legitimately with the UK Land Registry, which keeps up and on-line registration.

Step 7
POST COMPLETION & GUARANTEED RENT
Rent starts 1 month after Completion Date and is paid into the owner’s own bank account at the end of each calendar quarter.
Bank Details:
We get your bank details (UK or Overseas) & pay rent at end of each calendar quarter
HMRC Application:
If you are resident overseas, we register you with HMRC as non-resident landlord. We complete the application and send for you to sign and return.
Net Guaranteed Rent System:
We are effectively your tenants and agree to pay guaranteed net rent at 6% of property price per year and manage and maintain the property at our cost. We do everything. You do nothing, and get passive income for the long term.

Step 8
AFTER PURCHASE SERVICES
Most clients want to keep properties for long term. We are set up to provide services for more than twenty years and longer. [HZ1]IF YOU PLAN TO ADD ANY VIDEO IN YOUR WEBSITE.
 

BUYING INVESTMENT PROPERTY