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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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The 3 Ninja Investor Strategies

ninja learning Apr 20, 2018

If you read my last blog post you’re probably wondering what those Ninja Investor Strategies I mentioned are:

  • Strategy 1: 50% Below Market Value (BMV) strategy
  • Strategy 2: 100% refurb strategy
  • Strategy 3: 90% flip strategy

They’re all possible using bridging finance with the right lenders to turn you into an investor who can operate like a cash buyer.

Here’s a brief overview...

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Could you be a Ninja Investor?

ninja learning Apr 10, 2018

Most property investors start out using buy-to-let (BTL) mortgages to finance their property purchases.  The problem is that then your capital is trapped – at least for a while – and your ability to buy more properties is limited.  But not if you’re a Ninja Investor!

What’s a Ninja Investor?

Property investment is not just for people who have substantial cash...

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How to get your money back

ninja learning Mar 13, 2018

If you’ve been in property a while you’ll remember the balmy days of 100% mortgages and 24 hour remortgages.  Things are tougher today and property investors need to be innovative to continue to invest in property and not end up with your capital trapped in bricks and mortar.

Many investors now think the only way to invest in property is to have saved up a substantial wad of...

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Is the Estate Agent your friend?

ninja learning Feb 20, 2018

Many investors see the Estate Agent as the adversary – or at best a necessary evil.  After all, their client is the vendor, that’s where their commission comes from.  But the smart investor knows better.

Unless you’re good at building rapport with estate agents, you won’t have many deals to consider, but there are ways to get estate agents to take you...

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Do your lenders love you?

ninja learning Feb 10, 2018

Many people aspire to become a full-time property investor, but I wonder if they’ve considered the adverse effect it has on their ability to raise a mortgage.  They might find it better to slow down and take their time reaching that pivotal moment when mortgages are less critical to their property investment.

To be able to create enough passive income from property to be able to give...

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Ninja Property Finance

ninja learning Dec 20, 2017

Most property investors start out using the mortgage system to finance their property purchases, but then your capital is trapped – at least for a while – and your ability to buy more properties is limited.  But not if you’re a Ninja Investor!

Ninja Property Investors have developed a mind-set that isn’t limited to only buying properties through a mortgage. ...

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What is a Ninja Investor?

ninja learning Nov 30, 2017

A Ninja is a person skilled in ninjutsu, a Japanese martial art characterized by stealthy movement and camouflage.  So a Ninja investor is someone who buys property using stealthy movement and camouflage.

The keys to success are knowing things that others don’t and being able to do things that others can’t.  Match these with a positive mind-set and the willingness and...

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Avoiding the ‘six month rule’

ninja learning Oct 10, 2017

THE QUESTION

If I buy a property for cash through a Limited Company, does the 6 month rule regarding remortgaging apply?

THE ANSWER

Some lenders choose to apply a 6 month restriction, whilst others don’t.  Actually, it isn’t really a rule, just a restriction, but it has commonly become known as ‘the six month rule’.

For those lenders that apply it, the point to get...

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How to qualify for Ninja finance

ninja learning Mar 28, 2017

THE QUESTION

Is bridging finance calculated on a deal-to-deal basis, rather than an individual’s mortgageability?  What would I have to demonstrate to be successful in getting a bridging loan?

THE ANSWER

Bridging has a completely different underwriting process to mortgages.  Mortgages are income-based lending for the medium to long term; whilst bridging is asset based lending...

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