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Leveraging your equity

strategic planning Oct 10, 2018

If you are looking to purchase a property as an investment, it can look like an uphill trudge.  You have to save up the 25% deposit, not to mention the costs of refurbing and other things which always come up when you have the least cash available.

However, it’s surprising how many potential investors ignore the equity they have in their home, or an investment property that they...

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How healthy is your mind-set?

mindset Sep 30, 2018

Success in anything is all down to mind-set.  You know that saying ‘you get what you expect’, your mind-set is responsible for where you are now in your property journey.  If that’s not where you want to be then something has to change.  That means adapting your mind-set.

Your mind-set is driven by the beliefs you have about how things are.  A belief that...

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Are £1m+ properties for cash buyers only?

bridging finance Sep 20, 2018

THE QUESTION

I came across quite a few blocks of apartments for sale all priced at £1m+.  How do people finance these or are these properties cash only purchases?

THE ANSWER

If they are already tenanted and need no work, then it is just commercial lending, typically 25-30% deposit (£250k-£300k on a £1m purchase). However, that traps a lot of cash in and limits your...

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Are you a Ninja Investor?

ninja learning Sep 10, 2018

Most property investors start out using mortgages to finance their property purchases, but then your capital is trapped.  That means you haven’t got spare cash to buy more properties, so you’ve got to wait until you’ve saved up enough for your next deposit.

What is a Ninja Investor?

Ninja investors can buy properties quicker with a relatively small amount of available...

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New to property investment

buy to let ninja learning Aug 31, 2018

Question:  

I'm new to purchasing property for investment, I've only ever bought property to live in and, while I've managed to negotiate a small discount here and there, I've never pushed things too hard as I've always really wanted to buy the place (so an emotional rather than subjective mindset).

Now that I'm looking at property as an investment I'm understanding more and more that...

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Is it better to buy-to-let or buy, do up and sell?

THE ANSWER

Neither is better, they're just different strategies.

Buying to sell (BTS) gives you a significant cash lump sum (if you do it right) within months.

Buy-to-Let (BTL) gives you a much smaller monthly profit (if you do it right) for years to come, with the bonus of potential capital growth (depending on where you buy).

  • Some people focus on BTS because their current circumstances mean...
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What’s in your Scary Box?

mindset Jul 29, 2018
 

Property investors have to start somewhere and anything that you haven’t done before probably qualifies as being in your ‘Scary Box’!

It’s triggered by fear of the unknown – a bit like sitting in the driving seat of a high performance F1 car on a race track, when you’ve only ever driven a family saloon before.

Even if you’ve gone through the...

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The smart route to property investment

ninja learning Jul 19, 2018

There was a time when you could get into property with no money, lenders were happy to provide 100% mortgages or a version of this, then the recession came along and lenders became very cautious.

If you’re thinking of getting into property or have started to look into it, you may be looking at having to save a substantial sum in order to get started.  Buy-to-let lenders want security...

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An illegal conversion

THE QUESTION

I’ve come across a house split into two flats, but without obtaining planning permission. I’ve been told it’s been more than four years since the conversion was done and the current owners have evidence of the work taking place at that time.

If I buy the property and apply for planning permission will I automatically get it or is likely that I will be required to...

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7 steps to getting higher refinance values

strategic planning Jun 11, 2018

When you are ready to apply to refinance a buy-to-let property that you have recently purchased and renovated you’ll need to have it valued.  This is often a point of friction when the valuer doesn’t agree with what you think the property is now worth.

In order to persuade your mortgage lender’s surveyor that you’ve added considerable value to your property,...

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