Property investment glossary

Hands-Off Investment

A ‘hands off’ investment is where you own the property and receive rental income but do not take care of the day to day management. Instead, a ‘hands off’ landlord employs a lettings and management company to take care of finding a tenant, the lettings process, rent collections and maintenance issues in exchange for paying the letting agent a percentage of the monthly rent.

Hands-On Investment

An investment whereby the landlord plays an active part in the day-to-day running of the property, from collecting rental income and liaising with the tenant, to conducting due maintenance on the property.

Help to Buy

Help to Buy is a Government scheme encouraging first-time buyers which offers a range of measures to help people buy their first home, such as Equity Loans, Shared Ownership schemes and special ISAs where the government will contribute a certain percentage of however much money is put into it over the year. The government has recently pledged another £10bn of support for the scheme.

Her Majesty’s Revenue and Customs (HMRC)

HMRC is a subsidiary of the UK Government responsible for tax collection, the payment of state support including pensions, and the administration of financial regulations.

Houses-of-Multiple-Occupation (HMO)

A property is considered a House in Multiple Occupation if:

  • At least 3 tenants live in it, forming more than one household, and
  • Tenants share communal areas like bathrooms or kitchens with other tenants.

Hybrid Arrangement

A hybrid pension scheme is one that offers members either a choice, or a mixture, of defined benefit and defined contribution rights at their retirement. If the scheme offers a choice, the benefit is calculated as the better of the two alternatives.

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