6 steps to invest in real estate
Rob and Ellen's story

We will describe which steps to take when buying a buy-to-let property. We do this based on Rob and Ellen’s story, they were able to take early retirement thanks to their investment.


Ellen, 48, and Rob, 56, would like to increase their financial assets as the interest rate is so low. They both have great jobs, but are not extremely well off financially. They were thinking of making an investment in order to gain some financial freedom and take early retirment. Vixx took care of it. They were able to invest in real estate and are now making a nice profit every year, enabling them to retire three years early.

1. Gain information

First, you need to gain information. If you want to start investing, you need to find out which way suits you most. For example, you can purchase stock and shares, savings policies or invest in real estate. It is important that you are aware of all the pros and cons. Rob and Ellen were interested in investing in real estate, as they noticed a lot of people in their area were looking for a property to rent. They were also prepared to take some risks in order to earn more in the short term.

2. Insight in your situation and coming up with a plan

Together with Rob and Ellen, Vixx Financial Planning made a clear plan of action. It covered their current financial situation, an overview of their existing financial products and what their situation would be like when they retire. The financial plan showed a considerable capital gain on their property and a high interest rate. The plan included adjusting their mortgage to reduce their monthly costs and to free up money to purchase a buy-to-let property.

3. Viewing properties

After gaining insight on the different possibilities and the most sensible options, Rob and Ellen viewed different properties. From appartments to family homes. You obviously don’t want to spend too much time and money on maintenance of your buy-to-let property. This will reduce your return on investment, and you want as little hassle as possible when it comes to your buy-to-let property. Rob and Ellen took that into account when arranging different viewings.

4. Purchase

As soon as you have found the right property, you can make an offer. You could do this yourself, however, due to the crazy property market we advice you to consult with a purchasing realtor. He knows the actual value of the property and is aware of common defects. Also, an offer made via a realtor is often taken more seriously than an offer submitted by a buyer. Vixx assisted Rob and Ellen in finding a professional and competent realtor in their area.

5. Renting it out

Once you have purchased the property and have carried out the necessary building work, you can start renting it out. Again: you can take care of this yourself, but it is advisable to get professionals involved. You need to ensure your property is visible for the right target group. You can use your own network, but websites such as Funda enable you to reach more potential tenants.

It is also important to draft a proper rental agreement. You can find templates online, but it is often recommended to create a contract covering your own terms and conditions. With help of their realtor, Rob and Ellen found a young couple who were unable to purchase their own house but were very keen to move in together.

6. Sit back and relax

Once the house is rented, the rent needs to be recovered every month, the building needs to be mainained, the rent needs to be indexed on an annual basis, you sometimes need to find new tenants etc. There’s quite a lot to take care of. Rob and Ellen asked Vixx to handle this for them. They pay a percentage of the rental income, which had already been taken into account in their financial plan. This gives them the chance to sit back and relax, and enjoy the things that really matter.


Let us calculate what your options are

Due to the low interest rates, now is the time to start investing in real estate. Borrowing money is cheap and a lot of people have capital gain on their property. You can use this to buy a second property. Enabling a lot of people to invest in real estate.


Are you curious to find out what your options are? Get in touch with your Vixxer and we will calculate how you can start investing in real estate. No strings attached.

Vixx Real Estate


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