TAB Talk October 2024
"Roberto Carlos isn’t just a football legend — he’s also a TAB investor!"
We approach the final months of 2024 having recently made important strides in refining our internal structure, clarifying roles and strengthening our foundations with key board restructuring and strategic senior management appointments — particularly within our risk and finance teams.
So far this year, we’ve written 130 loans, nearly doubling last year’s output. This milestone reflects our focus on building a more diverse loan book, reducing our average loan size while maintaining robust performance.
Looking ahead, the Autumn Budget is expected to shape the property market in significant ways. Market speculation suggests potential changes in areas like Stamp Duty Land Tax (SDLT), Capital Gains Tax (CGT), rental income tax, and energy efficiency regulations. These could impact property transactions, especially in higher-value segments, and introduce new challenges for landlords and investors. Key themes include higher SDLT rates for luxury properties, CGT increases for second homes, and stricter energy performance requirements for rental properties — all of which may influence market liquidity, rental yields, and housing supply.
As we await the details tomorrow, TAB remains committed to maintaining a steady deal flow as we move into the festive period. Our well positioned pipeline and strengthened team position us well for a strong finish to 2024.
In this month's newsletter, we'll share updates on our latest successful case studies, upcoming events, and important information to keep you informed about TAB's developments and opportunities.
TAB Property
Following the overwhelming success of our last property investment, which sold out to registered investors in just three hours, we opened intent for our next opportunity. This new property has already reached full subscription with interested investors!
The response has been fantastic, and behind the scenes, our team is working hard to identify properties suitable for investors and structure them to maximise returns.
For future properties, investors who aren't aware of the process can take the following steps:
Join the waiting lists: Since our properties are popular, we have been sharing a waiting list email in the lead-up to the launch of each property on the marketplace. Investors can register their investment intent through this email.
Get early access: Once registered for a specific property, you will have first access to the exclusive TAB Property opportunity as it becomes available, as well as detailed information ahead of the general release.
Keep an eye out for property alerts so you can secure your spot in future investments. If you have any questions, get in touch at help@tabhq.com.
From free kicks to smart investments
We sat down with football legend Roberto Carlos - and yes, you read that right - he isn’t just a football legend — he’s also a TAB investor!
Known for his incredible career on the pitch, Roberto sat down with us to share his thoughts on investing with TAB. His perspective on building wealth beyond sports and why he chose TAB as an investment partner offers unique insights for both new and experienced investors.
Hear what Roberto has to say about investing with TAB on our YouTube channel.
Sutton and the Specialist: TAB Property
For those who may not be familiar with TAB Property and are interested in learning more about fractional ownership, now's your chance. I am joining Tony Sutton, the managing director at Specialist Hub and a specialist industry veteran with over 40 years of experience for November’s "Sutton and the Specialist".
I'll be explaining to Tony how property fractional ownership is transforming real estate investment. This session aims to help educate viewers on how fractional ownership works, the types of properties available through TAB Property and the importance of diversification.
I'll also highlight how TAB's innovative platform makes this accessible, enabling individuals to start investing with as little as £1,000. TAB also provides a full-service experience, handling everything from tenant management to rent collection, ensuring investors receive a hassle-free monthly rental income.
Register now for the upcoming event at 11am on Tuesday 19 November!
Padel tournament
TAB invites you to the TAB: Padel championship 2024!
This event is an opportunity to network with the TAB team and other stakeholders while enjoying a fun and competitive padel tournament.
Event details:
Date: Tuesday 19 November 2024
Time: 1:00pm - 5:00pm
Location: The Padel Hub, North London (N20 9LB)
Bats and balls, food and refreshments all provided. No partner? No worries! We'll try to match you with another player.
In the press: TAB Series case study
We're excited to share another successful case study where a broker leveraged our TAB Series solution to help a client transition seamlessly from a bridging loan to our long term TAB Mortgage.
The property was a vacant commercial office building in Wakefield that we initially refinanced through a TAB Bridge. After the borrower achieved significant occupancy levels and rental income, they were able to secure a 10 year commercial mortgage with an LTV of 65.00% under our TAB Mortgage solutions.
This case highlights the versatility of our TAB Series - our holistic finance solution that guides clients through every stage of their property investment journey. It enabled the borrower to transition seamlessly from one product to the other.
As TAB's CRO Jason Shead commented, "This case illustrates how our TAB Series can help borrowers manage the full life cycle of their projects. The initial bridge allowed them to secure the time needed to increase occupancy and cash flow before moving onto our mortgage product."
This case study is another example of TAB's commitment to providing bespoke finance solutions that evolve alongside our client's needs, offering both short-term flexibility and long-term stability.
You can read the full press release here.
Cybersecurity Awareness Month
October is Cyber Security Awareness Month, and this year we're sharing our series of tips to help you stay safe online. In a world where our digital footprint is constantly growing, it's more important than ever to be vigilant about cybersecurity. Here are some practical tips to ensure you're protecting yourself and your information:
Passwords: Use strong, unique passwords for all your accounts. Consider using a password manager to generate and store complex passwords.
Online banking: Be cautious when banking or making financial transactions online. Always use a secure connection (look for "https" in the URL) and avoid accessing sensitive accounts on public Wi-Fi networks.
Protect your computer: Avoid plugging in unknown USB drives or other external devices, as they may contain malware that can infect your computer.
Phishing: Be cautious of phishing emails and messages that try to trick you into revealing sensitive information. Verify the source before clicking any links or attachments.
Protect your identity: Be cautious about what personal information you share online. Avoid posting details that could be used to access your accounts or steal your identity.
Keep your data safe: Back up your important data regularly, either to an external hard drive or a secure cloud storage service.
By following these simple steps, you can reduce your risk of falling victim to cyber threats.
Guest opinion: Tony Sutton
This month, Tony, from Sutton and the Specialist (above) and Specialist Hub, shares this month's market opinion. Tony sheds light on the common misconceptions around interest rates, particularly how misleading media reports can affect customer expectations.
Read on for his expert analysis and why he believes better regulation in financial reporting is essential for helping customers make informed decisions. Here’s what he had to say:
"The mortgage and loan market is suffering once again from customers not knowing how the mortgage market works, and for most people no amount of education will rectify this. Due to some bad reporting within the media, we have customers expecting interest rates to drop immediately after the Bank of England announces a base rate reduction. This is leading to customers putting their plans on hold and being disappointed when their hopes are not realised.
We saw back in early August, after the 0.25% base rate reduction, many customers expecting to be offered the product and rate of their dreams only to be disappointed by receiving the reality of what was available. We even saw some customers be quoted a higher rate in mid-August than they were in May, when they decided to wait for a base rate cut to be announced.
I do wish that reporters and companies within the media were forced to be authorised by the FCA and bound by the same rules that we are, to ensure they stop announcing unsubstantiated nonsense. Unfortunately, it will never happen."
Thank you to Tony for sharing your commentary with us this month. As always, we’d love to hear from you — do you have any thoughts or experiences to share on this topic? Feel free to join the conversation and add your perspective!
Thanks and have a great month ahead.
DK
Founder and CEO
TAB. Trust. Transparency.
News in numbers
1.1%
growth forecast for the UK, according to the IMF's latest predictions.
+0.7%
year-on-year change in house prices for October
39m
estimated pumpkins to be purchased this year
1,120
matches Roberto Carlos played over the course of his professional football career
📄 Sign-up to our monthly newsletter via our website here: https://tabhq.com/signup-newsletter