This strategy is something I teach as part of the Ninja Investor Programme and it’s often a revelation to my students.  It’s all about being smart with your financing.

There are some criteria to take into account:

•  The property needs refurbing and is currently valued well below market value in comparison with its neighbouring properties.
•  It needs to be vacant
•  ...

Mortgage underwriting is an exercise in risk mitigation.  The cheapest rates are only available where lenders have mitigated the most risk.  This includes your personal circumstances, the type of property you want to mortgage and every little detail of your financial track record.  These lenders will decline to lend if there’s even a tiny issue that happened years ago.

The...

If you’re refinancing a property you’ll be visited by the lender’s surveyor to value your property.  As refinancing normally is the result of having done a refurb, you’ll need to be well prepared for this.  Don’t assume that the surveyor will wander around your property and be impressed by what you’ve done!

It helps to know the surveyor's mindset...

Back in Spring 2020 property investors were wringing their hands and predicting a huge dive in property values – did it happen?  No.  Instead the stamp duty holiday and people working from home gave the property market a shot in the arm and it rapidly became a rampant sellers’ market.

Most of the people buying were looking for a main residence, rather than a property...

Post-pandemic many businesses have discovered the benefits of having remote workers – and many workers are embracing the lack of commuting time and the ability to be more flexible.  One of the benefits companies have discovered is the reduction in office space needed.  Some companies have even relocated altogether to an out of town location to take advantage of lower rental and...

This is the perennial dilemma when you don’t have a big nest egg to use, how do you fund your deals?  What do you do when a juicy deal comes along and you just can’t find the deposit?

Usually, when you find a deal that needs doing quickly, you don’t have someone with private money that is ready to invest right now.   Conversely, when you have built up the trust...

THE QUESTION

I made an offer for a property that will be my first BTL.  It was accepted and the surveyor went round, Now the surveyor has said kitchen is not up to scratch so the value of house is zero.

The house needs some work, which I was going to do before letting, I am a builder, so I know what needs doing and have the skills to do it.  I just wanted to do it and get the property...

Saving up – especially in today’s economic climate – is tough, and when you need to save thousands to amass enough for a deposit on your first buy-to-let, it can take years.  However, many people start looking at property when they receive an unexpected windfall.

This might be a chunk of cash that comes as an inheritance or may even be a property, that gets the little...

When you invest in property you’re purchasing a very high value asset - and there’s the potential to make big profits - but also to make big losses.

If you’ve got a nest egg you probably know it’s not going to grow much sitting in a savings account in your bank, so what do you invest it in?

You could buy stocks and shares, artwork or antiques - but to do this...

When most people think of property investors, they think of buy-to-let landlords - but there are many different strategies to generate an income from property besides that.  Let’s look at a few of these:

Buy-to-sell

Also known as ‘flips’, this strategy involves buying properties with a view to reselling them at a higher price.  In its purest form this strategy...