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‘Property is for mugs’

Uncategorized Jun 30, 2019

Anyone who isn’t familiar with property investment will tell you that it’s the quickest way to lose your money or to get stress overload.  However, that doesn’t explain why so many people are serious property investors.

The tax regulations for landlords and investors have changed over the past few years and it’s important to abide by the rules to protect your...

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Faster, faster

Uncategorized Jun 20, 2019

Property investment takes time. 

If you put down a 25% deposit and get a buy-to-let mortgage for the rest that’s the first step.  Then you probably need to do some work on the property to improve it and wait until you’ve owned it for six months.  Only then can you apply to refinance it with a different lender and get a proportion of your money back out.


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One house, many homes

Uncategorized Jun 10, 2019


I have seen several large houses for sale in auctions that have been split into self-contained flats; it seems quite common.

The house is on one title the agents describe it as a ‘large house currently being used as flats’.  But there doesn’t seem to be any planning permission for use in this way or building regs for extra kitchens and bathrooms.


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Could you be a ‘cash buyer’?

Uncategorized May 30, 2019

Before you stop reading because you don’t think your bank balance is big enough to buy property for cash – STOP!

Have you noticed that cash buyers always get the best deals?  It’s those magic words “What discount will I get for cash?”  Whether that’s buying a car, a new washing machine or a suit, cash buyers often pay less. 


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The Purchase Price vs The Value

Uncategorized May 20, 2019


If you’re negotiating delayed completion so that you can do refurbishment after exchange, if the purchase price is £65K and the refurb costs are £10K, but the value after works is £85K, can you apply for a mortgage against the full value (£85K) even if you’ve exchanged at £65K?


The biggest obstacle you face, is that at point of...

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Fast Fluid Finance

property investment May 10, 2019

This is how to create a flow of cash from one project to the next as seamlessly as possible.

Bridging finance is a smart solution in many situations – but not all bridgers work the same way.  You need a bridger who will lend on the property’s VALUE, not what you are actually paying.

When it’s time to refinance, you will need to to convince the lender’s surveyor of...

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Property is all in the mind

property investment Apr 30, 2019

I believe that mind-set is the defining factor between success and failure in property – and in any other area of life.

I meet people in property all the time and the people I meet are at every stage of the property journey from the ‘thinking-about-it’, through the ‘just-getting-started’ and ‘property-as-a-sideline’ to the professional property...

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Are you ready to be a portfolio landlord?

property investment q&aa Apr 20, 2019


How can I learn about the pitfalls and benefits of making the step up to a Portfolio landlord?

I have been advised by my mortgage advisor that there are additional challenges gaining finance once you move to this and I am almost there.


Any mortgage broker should be able to explain how applying for a mortgage as a portfolio landlord differs.  They should know what...

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9 strategies to finance your property purchases

property investment Apr 10, 2019

The obvious way to purchase an investment property is a buy-to-let mortgage.  This is great if you’re building a property portfolio and intend to have a mortgage for a long period and pay it off over time.  

However, some investors aren’t buying to let, they may have a buy-to-sell strategy or buy to convert to alternative use – for instance to an HMO, commercial...

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Unmortgageable? Disaster or deal?

property investment Mar 30, 2019

When a property is unmortgageable that rules out everyone who hasn’t got a big wad of cash to buy it outright.  In any case, who would buy an unmortgageable property? Doesn’t that mean it’s a lemon?

No, unmortgageable properties can have substantial profits locked inside the front door!

The problem is that mortgage lenders are conservative and keenly focused on only...

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