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The Property Podcast
ASK435: Should I set up one company or many? PLUS: Should I be trying other brokers?
Jul 2, 2024
Listeners seek advice on whether to consolidate properties under one SPV or keep them separate. Lee wonders if he should consult multiple mortgage brokers for better options. The hosts discuss risk management, company structure, and the importance of getting different opinions from brokers.
08:43
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Quick takeaways
- When adding new properties, investors face the choice between separate SPVs for risk control or a single SPV for cost efficiency.
- Selecting a mortgage broker involves balancing trust and understanding; seeking multiple opinions can provide a wider range of options and insights.
Deep dives
Property Investment SPV Structure
When considering whether to add new properties to separate SPVs or within an existing SPV, the key decision revolves around risk and control. By isolating each property within its own company, investors can minimize risk in case of claims or liabilities, ensuring each property stands independently. This approach allows for risk reduction in scenarios such as claims from developers, tenants, or lenders. However, the majority of investors tend to consolidate properties within a single company due to the cost and administrative burden associated with managing multiple SPVs.
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