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A sharp intake of breath

bridging finance Feb 28, 2019

I teach people smart funding and that means understanding how to use bridging finance to make more money.  The trouble is that as soon as I mention bridging there is almost always a sharp intake of breath!  This is usually followed by the words “Oh, that’s expensive, isn’t it?”

If you’re planning to use bridging to finance your main residence, yes it...

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Flats in concrete high-rise blocks

buy to let Feb 20, 2019

THE QUESTION

Has anyone managed to get a mortgage on an ex- local council concrete-built block?   I own a flat in one of these in London and I managed to get a mortgage when first purchased, but I am now struggling to remortgage it. 

THE ANSWER

Historically, lenders have had issues with lending on high rise ex-council concrete blocks.  It is less about which floor the actual...

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Inspired Funding

ninja learning Feb 10, 2019

When I teach Ninja Investors the secrets of funding their investments intelligently there are a series of steps and Inspired Funding is the first of these.  I created the Fast Funding Formula and it’s based on two concepts:

  1. Bridging finance is the key to a change of mind-set
  2. Lack of provable income and/or a poor credit history are not a barrier to borrowing, nor is lack of access to...
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Get more from your property deals

strategic planning Jan 30, 2019

You’ve bought a property and refurbed it and now you’re ready to refinance at it’s higher value and get as much of your money out as possible.  Then you can move on to the next deal.

The problem is you have to convince the mortgage lender’s surveyor that your property has escalated in value.  The surveyor will look at what you paid for it – regardless of...

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Success means taking action

mindset Jan 20, 2019

My interest in property started when my mother bought me a book about property as a birthday present; it was called Property Renovation Profits.  It’s a gift that changed my life. I read the book and I did what it said in the pages. I followed the instructions to a tee: I bought property, renovated it, and sold it for a profit.  Then I was fired up enough to do it again. 

...

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Regulated tenancy – worth buying?

strategic planning Jan 10, 2019

THE QUESTION

I’ve been offered a house well under market value, but it has a tenant who has lived there since 1992 on a regulated tenancy.  She is only paying £225 rent per month, if I bought the property would I be able to evict her or not?

THE ANSWER

The regulated tenancy could not have started in 1992 because the last date for legally commencing such a tenancy was 31st...

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Unauthorised Loft Conversion

THE QUESTION

We got the search results back on a property; it says that there has been an unauthorised loft conversion.  It must have been done a good while ago as the property has been empty for more than three years.

The plan was to use the loft as either a third bedroom or a study, but the surveyor advised that the floor needed more support.

Can we apply for back-dated planning...

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Property success is all in your mind

mindset Dec 10, 2018

Go to any property meet and you’ll find at least as many people who are ‘getting into property’ as those who are already successful.  A year down the line many of those same people are still standing on the starting line and haven’t got started yet.

What’s holding them back?

There are three things:

  1. Fear – of failure, but sometimes of success
  2. Indecision...
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The power of positioning

ninja learning Nov 30, 2018

The quality of deals you do depends on your ability to negotiate successfully.   There’s more to a deal than simply making an offer, it’s a lot to do with how you are perceived by the vendor or the estate agent.

I use a six letter acronym to help property investors to develop their ability to make better deals – with more profit in them.  This spells SPEECH.

...

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Getting into Serviced Apartments

Serviced apartments are an attractive way to invest in property.  Sites like Air B&B and Booking.com are now mainstream and people are always looking for a great place to stay, where they have some independence. 

That means that savvy investors are looking at the opportunity with interest.  So, if you have a successful track record with HMOs this may look like a logical next...

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