Property investment glossary

Hands-Off Investment

In a hands-off investment you don’t have to become a landlord and invest your own time and effort into letting and maintaining the purchased property. You will rather make use of a management company. Here it is important to note that NET yields will hence accordingly depend on the fees charged by the management company.

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. By offering 20% equity loans, Help to Buy means first time buyers will only need 5% cash deposit and a 75% mortgage to make up the rest of the property’s price.

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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