If you are a wealth management company, IFA, independent, or any other profession and want to introduce clients we want to speak to you.
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Simply email mark@baroncabot.com
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and we will share a portal and commissions available.
Many of the financial advisors we work with use Baron & Cabot for their clients simply because the level of due diligence and research is second to none. The service we offer and support to the financial advisor during and after sale is a huge help.
Our financial advisors don’t have to guess about any aspect of our service or the projects we have available, this gives financial advisors greater confidence while presenting to their clients, full well knowing they have a massive armoury of data onside.
Every developer has a solid reputation, so our financial advisors never gamble their reputations and more importantly their clients investment on a second-class development.
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Read the full detail, and remember, we offer this service to our financial advisors totally free as added value for their clients too.
Baron & Cabot use each resource to help build a clear and concise investment case for each project, based on 3rd party independent research which we are happy to share with our financial advisors.
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Some of these paid research firms we pay monthly and others annually, others are free online resources for research into the UKs economy on a whole, the city the development is within, the postcode areas rentals ability and even down to the exact location within 75m radius of the site to ensure there are no nasty surprises from up and coming developments. This process also allows Baron & Cabot to highlight any up and coming benefits a location may have which increases your returns.
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This level of service and research and background work is uncommon, it gives our financial advisors confidence through clarity.
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City and location of development
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These are the resources we draw upon to build an investment case for each project.
Hometrack
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We use Hometrack to give actual rentals on a specific postcode area, selling prices and overall inventory in the area, this ensures we are looking at best value properties with the best likelihood to rent out.
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Pound Sterling News
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It’s important to track Sterling and follow qualified opinions as this often gives insight into the economy on a whole and allows you and I to see what global industries are feeling about the UK as a risk for investment.
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DevAssess
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With a firm like DevAssess, we can leverage independent and unbiased research into an actual property and its surroundings, this is most useful with completed buildings and especially listed buildings as DevAssess are meticulous in all planning searches too. This sort of service helps us to understand a potential investment.
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JLL
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JLL are great for giving researched knowledge away for free, they’re very risk averse and usually their figures are lower than the results achieved, a large firm with dedicated research teams like this, is simply invaluable as a resource as neither you or I could afford to pay someone to conduct such in-depth research.
Odds Checker
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When it comes to looking at current political opinions, that is a minefield as we can sometimes allow personal opinions to steer us either to a bad decision or away from a perfectly healthy one. Oddschecker will at least give a basic idea of where the public consider a direction to go to.
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Parliament Research
There is often a lot of research relevant to our industry being updated by professional research firms hired by the government, a recent 84 page report on the UKs housing supply and demand brought together several research firms and housing charities to gain a full insight into the current strains. It’s very important that we understand the supply and demand of our market we’re considering investing within, there is a mass of research available that would allow you to gain a real understanding of the issues we have in the UK as a whole when it comes to supply and demand.
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Euromonitor
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Euromonitor offer an extensive city research product which we purchase every year for each location we deal with, this gives in-depth analysis into a cities consumer profiles, consumer expenditure and overall economic status. These are often 35 page research papers which ensure Baron & Cabot are very well informed of each location we work within.
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Developer and development
We see and hear about developments not going ahead, developers going bust and so forth. To mitigate and lower this risk we go through a strict due diligence process with each development and developer, no matter how long we have known the firm for. Each developer we consider is asked a total of 54 questions about each development.
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Developer
The developer must have a track record of completing on time, be solvent and be able to show full ownership of the sites they have worked within and propose to work on with the ability to build without using clients cash – fully funded sites only. We won’t work with any developer that has a bad reputation, poor track record or has shown lack of assistance to clients when needed, Baron & Cabot do our uppermost to put our clients into the very best developers in then UK. The developer has to be able to show they have ample resources to commence and complete the project within the expected timeframes too.
Development
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Once we have been offered a new development, we go through the lease to ensure there are no unusual caveats that will; cause our clients issues later on in the life of their investment. We make sure the lease length is healthy, ground rent and service charges are well within expectation, the split of unit type is applicable to the area, the size of the apartments meet lending standards, deposit amounts no more than 30%, clients cash is safe within an escrow if off plan and NOT used for the build. We will ask to see planning permission, leases and proofs the land has been purchased and the site is fully funded, we’ll also ask to see the S106 to ensure the local authority is happy with the project and all in all, it’s ready to go ahead.
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Once we are happy with this aspect, we then pass the project to three mortgage brokers. One in Hong Kong, one in UAE and one in the UK. We ask questions like - can an average client in your jurisdiction buy this apartment with finance, is the warranty safe and in good order, is there a healthy number of lenders available, is Sharia finance possible.
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Finally, once we have the ‘all go’ from each mortgage advisor, we are happy to offer the product to our financial advisors.
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Legal
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As part of the research, we also speak to solicitors about each project to gain a clear idea of what our financial advisors clients, both national and international should be expecting to pay for their legal fees.
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Finance & portfolio structure
Many financial advisors ask about finance and taxes – Baron & Cabot are not mortgage brokers or tax advisors. We do however have a vast network of these we can leverage for our financial advisors when the need arises. Baron & Cabot can also, if requested, assist with company formations for the purpose of property purchases.
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