The 3 ‘P’s Of Your Mortgage Application

The actual process of receiving a mortgage offer is quite simple. It hinges around three key points. As long as you get the tick at all 3 stages there should be no reason not to get your mortgage approved.
The stages or ‘P’s are simply – Person, Property and Proposition
The first to remember is that a [...]

In Search Of The Perfect Property Deal

One of the most damaging limitations that a beginner investor faces when building a property portfolio is the dreaded perfect deal.
As if trying to find the a property wasn’t enough the budding investor now has to find the perfect finance, the perfect solicitor, the perfect area, the perfect rent, the perfect growth prospects, the perfect [...]

How Do You Create Income From Property?

The question I pose to most of my clients when I first meet them is how do you create income from property? I get many different answers but in actual fact there are only 3 main ways of creating income from property.
Direct property cashflow
Most people associate income from property as being an excess of rent [...]

Should You Ever Pay Off Your Property?

This question needs to be broken into two questions. Should I ever pay off my home? Should I ever pay off my investment properties?
Let’s deal with the home first. Yes you should pay off your home eventually because it is a non tax deductible expense if it relates to your principle place of residence. OK, [...]

New Build Vs Off Plan Property – Which Is Better?

Firstly let’s look at how I define each of these terms.
New build is classified as a development that is within 3 months of completion or has completed but has not yet been tenanted. Off plan is a development that is longer than 3 months out from completion or where the property has not moved earth [...]

How To Find An Extra £200 To Pay For An Additional Buy To Let Property

Before I helped people build property portfolios I used to help people work out their financial problems and debts, setting them back on the path to financial security.
I developed some very simple ways to do this. “Simple”, but not often easy. They required two critical things that you absolutely must develop if you are to [...]

How Many Properties Before My Portfolio Will Run Off Its Own Steam?

A great question from one of my investors:
Hi Brett,
A little question was nagging me today Brett. In the current UK property investment circumstances, how many properties (or in cash terms if you prefer) do you consider as being the “tipping point” for a momentum to ensuring one can achieve the 7-10 properties without further leveraging [...]

Do You Have A “Dinner Party” Portfolio?

When they’re starting out, investors are inundated with opportunity. On websites. At tradeshows. In the mail. It’s everywhere. Cyprus, Croatia, Spain, Florida, Estonia, Las Vegas, Bulgaria, Thailand, Germany, Goa, France, Hungary, UK and so many more. It’s a candy store for the budding property investor with so many outstanding opportunities to choose from.
The experienced professional [...]

How To Make Credit Cards Work For You

Interest rates have risen and fallen dramatically over the last few years. But credit cards have seen comparatively tiny reductions in their rates. The good news? You can save heaps on your credit card bill just by being smart about using your card.
People pay literally billions of dollars a year in interest from their plastic [...]

Should You Buy a Property in Thailand?

South East Asia has always had a special appeal for me. I first began spending time there about 5 years ago. I love the organised chaos of the roads in Bangkok, the food that is cooked right in front of you, and the haggling at the markets. Amazing.
Altogether I have spent over 3 months in [...]