How Does Property Compare to other investments?

Based on a 25-year period, a standard mortgage term for a buy-to-let mortgage.

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Property

UK House Prices

Jun 1999 - £75,995

Jun 2024 - £286,908

Percentage increase – 278%*

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Precious Metals

Gold

Jun 1999 - £163

Jun 2024 - £1,825

Percentage increase – 1020%

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Stock Market

S&P 500

Jun 1999 – £11,293

Jun 2024 – £89,144

Percentage increase – 689%


Where Property Shines

At first glance, gold might seem like the ultimate investment, but let’s dive deeper. Property offers some undeniable advantages that make it an unparalleled choice for growing your wealth. Here are the two main reasons why investing in property outshines other asset classes, including gold:

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Leverage

One of the most significant benefits of property investment is the ability to leverage your money through a mortgage. Unlike other asset classes, property allows you to use a relatively small deposit to control a much larger asset. Typically, this works with a 25% deposit and a 75% mortgage ratio.
Let’s break it down:

  • With property, your initial investment (deposit) lets you purchase an asset worth 4x your invested amount.
  • The 278% property growth rate we’ve mentioned? Multiply that by four due to leveraging, and you’re looking at a staggering 1112% return on investment.

This leveraging power is unique to property and a game-changer for anyone looking to maximise returns.

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Income

Unlike gold or other asset classes, property doesn’t just sit there. It actively generates income in the form of monthly rental payments. At Emergence Property, we aim for a net rental return of 10% per annum based on your invested funds.

Here’s how that adds up over time:

  • A 10% annual return over 25 years gives you a total rental income return of 250%.
  • Add that to the property growth from leveraging (1112%), and you’re looking at a combined return of 1362%!

Property isn’t just about long-term appreciation — it’s about creating a real, tangible income while your asset grows in value. That’s what sets property apart from other investments. At Emergence Property, we focus on helping you achieve both high returns and consistent rental income. With the power of leverage and dependable cash flow, property stands out as a smart, strategic investment choice that beats gold and other major asset classes hands down.

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