How to invest 30k in property | Investor Guide 2023

image of a financial broker sat at his desk discussing how to invest 30 into property.

As a financial specialist, I am subject to certain queries from friends, family, colleagues and on occasion, strangers in the street. One of the most common questions is, based on how to invest. So in this article, I have taken a figure at random (30k) and will look at how to invest 30k into property.


What To Consider Before Investing £30k


If you are new to investing, making the choice of provider, broker, vehicle and product can be a pretty daunting experience. Our advice is to take things slow, conduct ample due diligence, check reviews and look at the past performance of opportunities offered. Unethical brokers dont last long in finance, and companies that have no history or reviews should instantly raise alarm bells.

Unethical brokerages work by applying urgency to opportunities, always remember you set the pace and amount when you invest.

A cgi image of a property that recently had 30k property bonds issued on. property is under construction


What Are My Investment Goals?

Another key consideration is to understand what you want from your investments. Now for a bigger, this may seem like an obvious question. But profit can come in several different forms:

Capital appreciation: 

One investment goal is to seek capital appreciation, which involves increasing the value of your investment over time. This typically applies to assets such as stocks, real estate, or high-growth companies. The aim is to buy investments at a lower price and sell them at a higher price, generating a profit from the appreciation in value.

Income generation: 

Generating a regular income from your investments is another objective to consider. This can involve investments that provide a steady stream of cash flow, such as dividend-paying stocks, bonds, or rental properties. Income generation can be particularly appealing for individuals seeking a reliable source of income to supplement their salary or support their lifestyle.

Wealth preservation

Some investors prioritise the preservation of their wealth, aiming to protect their initial investment and maintain its value. This objective often involves more conservative investments, such as high-quality bonds or stable dividend stocks, which have lower risks compared to higher-growth assets. Wealth preservation is commonly favoured by individuals who prioritise capital protection over higher returns.

Risk management: 

For many investors, managing risk is a significant investment goal. This involves constructing a diversified portfolio that spreads investments across different asset classes and sectors to reduce the impact of any single investment’s performance on the overall portfolio. Risk management goals can help investors avoid excessive exposure to a particular asset and mitigate potential losses.

Long-term financial goals:

 Your investment goals may also be tied to specific long-term financial objectives. These can include saving for retirement, funding your children’s education, purchasing a home, or starting a business. Aligning your investments with these goals allows you to work towards achieving them over an extended period. Long-term financial goals often require a strategic investment plan tailored to your specific timeline and risk tolerance.

Socially responsible investing:

Investors increasingly prioritize incorporating their values and ethics into their investment decisions, including a focus on green investment. Socially responsible investing (SRI) or Environmental, Social, and Governance (ESG) investing aims to generate both financial returns and positive social or environmental impacts. By investing in companies or funds that adhere to specific ESG criteria, with a particular emphasis on green investment strategies, investors can support causes they care about, such as environmental sustainability, while seeking financial growth.

Property under construction in essex, most is complete but driveway and garafge need to be finished. Property is on an northumberland living development who have property bonds from 10 - 30k to invest in


What is My Risk Tolerance?


No investment is risk-free so before deciding on where to invest, you need to understand the balancing act between risk and return. 

What Should I Do With My Money Before I Invest?


Firstly, it’s crucial to address any outstanding high-interest debts, such as credit cards or payday loans. Clearing these debts is vital as they can erode your savings and limit your investment options. By paying off these debts, you free up funds and create a healthier financial foundation.


Secondly, it’s wise to establish an emergency fund. Having £30k is a significant amount of money, and unforeseen circumstances can jeopardize your financial stability. By setting aside a portion of your savings as an emergency fund, you create a safety net that can help you navigate unexpected challenges and get back on track.


By taking these proactive steps, you enhance your financial well-being and create a more solid footing before embarking on your investment journey.


What are my options?


When investing in property there are several routes to market. I will lay out what I feel are the best investment vehicles with 30k.




A great way to invest in property is through buying property bonds. Often regaled as the safest type of investment, buying bonds is a great way for beginners and experienced investors alike


When you invest in a property bond you are essentially loading a developer money to either start or complete a real estate project. The bond will ordinarily increase in value over some time, with a pre-determined payout at the end of a pre-determined amount of time.

In Our Opinion


In my opinion property bonds are the foundation of a solid portfolio, I have handpicked the developers that New Capital Link works with, this allows us to add as much security as possible to an already secure investment vehicle.  


We are currently working with Northumberland Living and Ashbrooks Developers both of whom have exceptional experience and untarnished track records. If you’re looking to invest 30k into real property, you would struggle to find a better option than these two industry giants. Both generate above 10% per annum while ensuring the safety and continuity of capital.

Real Estate


The second way to invest in property is to physically buy property to flip or rent out. But unfortunately at the moment in the United Kingdom, you would struggle to find a suitable property for 30k.

In Our Opinion


Investing in real estate can be a valuable addition to a diversified portfolio, offering tangible assets, potential for income generation, diversification benefits, and long-term capital appreciation. Real estate can serve as an inflation hedge, providing stability and potential returns. However, it requires capital, entails illiquidity, is influenced by market conditions and economic factors, involves active management and maintenance, and demands local market knowledge. Thorough research, professional advice, and alignment with financial goals and risk tolerance are crucial for successful real estate investment.


Our Top Tips

Tip 1: Choose between renting or selling your investment property or investing in a bond

Tip 2: If your choosing to invest in physical real estate select a property type

Tip 3: Start by specialising in one property investment strategy

Tip 4: Set short and long-term goals

Tip 5: Consider the risks of investing in property

Tip 6: Review the rent annually

Tip 7: Plan and budget for additional costs

Tip 8: Learn about the various rules and legal requirements

Tip 9: Be aware of buy-to-let taxes

Tip 11: Start small and grow gradually

Tip 14: Calculate your average rental yield

Tip 15: Remain open-minded

Tip 16: Look into build-to-rent property

Tip 17: Invest in off-plan properties

Tip 18: Diversify your investment properties

Tip 19: Invest in a short-term let property

Tip 20: Save an emergency fund, never invest all your disposable income

Tip 21: Work with a property investment company


Property Bonds UK


At New Capital Link we specialise in fixed income Bonds, we have a dedicated team of professionals who excel at identifying bonds that offer exceptional growth opportunities. Our team works diligently to ensure that our clients are positioned for success in the bond market. Whether you’re a seasoned investor or new to bond investing, we are here to provide the guidance and expertise you need to make informed investment decisions.


New capital link is fully licensed as an alternative investment broker, Contact us today.

by Rachel Buscall

by Rachel Buscall

Co-Founder & Managing Director at New Capital Link. Having started her career in the financial sector, Rachel demonstrated a natural flair for entrepreneurship.

Contact Us

New Capital Link

Alternative investment specialists offering structured opportunities across the UK & Overseas.

New Capital Link is a boutique London-based introducer that offers unique UK & global investment opportunities worldwide.

Recent Posts

Follow Us