Would a One-on-One Consultation Help?

One-on-one Mentoring and Consultation Sessions Now Booking For October/November “If you want to achieve great results, find someone who’s achieved what you want to achieve, and then do what they do”. Tony Robbins  One of the (few) advantages of being old(er) is experience and knowledge, and I’m very happy to share my experience and knowledge…

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The Best Buy to Let Mortgages For Limited Companies July 2020

There’s so much changing in the mortgage market at the moment that I thought it’d be useful to get an update from my mortgage broker on what are the best Limited Company buy to let mortgage deals. I asked him just to tell me about 75% LTV mortgages – because with the model I use…

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The Best Buy to Let Mortgages for Individuals July 2020

Because the mortgage market is a bit volatile at the moment I thought it would be a good idea to ask my mortgage broker what the best buy to let mortgage deals are at the moment for individuals.

I asked him to look at 75% LTV mortgages because I can’t think why you might want a 65% or 70% LTV if a 75% LTV is available.

Here’s what he came up with.

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Buy to Let Finance Deal of the Month

How many different buy to let mortgages are there on the market today? Well, it’s anybody’s guess but the most recent figure I came across was around 2,000 different BTL mortgages, and they are being offered by up to (an estimated) 100 different lenders. All of those products, and all of those lenders, will have…

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Finding Finance For Your Refurbs Can Be Tricky – Here’s The Solution

If you are buying properties to refurb, and I think you should be so you can add value, most buy to let lenders want the property to be lettable from day 1. So getting finance can be tricky, if not impossible, for the types of properties we want to buy. Here’s the solution. This product gets around that by…

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It’s Back! One-on-one Pay for a Day Mentoring With Peter

I haven’t made myself available for one-on-one mentoring for about 18 months; I honestly thought it was time to take a well, earned breather (after all, to do the job properly the consultations can be quite intense, and time consuming). But I’ve had so many people asking, urging and even begging me to meet them,…

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Why and How to do your Due Diligence

In this episode of Property Spotlight I begin to cover Due Diligence, an important facet of being an Investor in any asset- not just Property! When buying any property investment, you need to know what you are buying and WHY you are buying it. So what should you look for, and what should you think…

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Life Is A Game, Play It!

TGIF Investors! This afternoon I talk about a quote sometimes attributed (falsely or maybe not?) to Mother Teresa- regardless of its actual source- the message is clear- get out and do what you need to do to succeed. Many investors I talk to feel like they took too long to get started and regret not…

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How to Create Capital Value Growth Using FORCED APPRECIATION

Forced Appreciation is one of the best “tricks” and techniques we have as investors in the Property Industry. You can’t control the market and whether property prices increase, but you can add value. In this video I briefly explain the concept and how it can make us successful! Here’s to successful property investing! Peter Jones…

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What Caused This Crack and Does it Matter?

What caused this crack in the Property? A possible investment is made unfeasible by this crack, any refurbishment and renovation will likely cost more to fix than our return. Here’s to successful property investing! Peter Jones (ex) Chartered Surveyor, author and property investor www.ThePropertyTeacher.co.uk PS. By the way, I’ve rewritten and updated my best-selling e-book,…

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Should I Buy and Use The BRR Model AWAY From Home?

The final part of Sam’s question, whether he should invest locally or in a different part of the country, and whether the BRR model is right for him. This is a big dilemma for many investors. Should I keep it local? But what if local is really expensive? And isn’t it easier to recycle and…

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Why Borrowing Other People’s Money Makes Buy to Let Property Even More Exciting

This week we look at borrowing, with other people’s money! Your ability to invest in Property using your time and effort and someone else’s cash! Property investing, including buy to let, works better when you use someone else’s money – it greatly increases the returns on your own money invested. Here’s to successful property investing!…

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My Biggest MISTAKE In Property

In this video I talk about a painful Property experience I had in 2005 with buying abroad and why I got over it. Here’s to successful property investing! Peter Jones (ex) Chartered Surveyor, author and property investor. http://www.ThePropertyTeacher.co.uk PS. By the way, I’ve rewritten and updated my best-selling e-book, The Successful Property Investor’s Strategy Workshop,…

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How to Use Gearing to SUPERCHARGE Your buy to Let Property Returns

In this video I talk all about ‘Gearing’, a really powerful tool in the Property Investor’s repertoire, and how to use it to SUPERCHARGE your buy to let property returns. When you truly understand the power of gearing, you’ll truly understand the power of property investing. For more information about this subject please check out…

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Should I Buy Property From My Own Family to Save Fees?

In this video I answer the third part of Sam’s question and whether he should consider buying a home from his wife’s family to avoid agency fees, and how tracking your credit score can help you invest. In my opinion successful property investing comes down to looking at the bigger picture and doing whatever will…

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Should I Buy Now or Wait Until Next Year

I’ve had a great question from one of my readers. “If you were in the market to buy, buy to lets, would you look for deals now or wait until next year to see where the market is then?” Now, I have to start by saying that I can’t give financial advice, I can only…

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What Will Happen Next In The Property Market

So what is going to happen next in the property market, and how does this affect us as property investors? We’re living in strange times because, despite lock-down and the most dramatic fall in GDP (probably) ever, the housing market is going through a boom period. Nationwide have just reported (Sept 2020) house process in…

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The Rules and Regs on Stress Testing Mortgages and Rent Cover Requirements

I’ve had a few questions around Stress Testing (of buy to let mortgages) and how that works.

And, of course, this is an important subject because Stress Testing in effect set’s the maximum amount we can borrow.

If you want to do Buy to Let with BRR (Buy Refurbish Refinance), it’s the stress test which means that the upper limit of value is going to be around £200,000 (this isn’t a precise figure and don’t forget each bank uses slightly different figures and so the upper limit will be different for each bank).

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What Type of Property Makes The Best Buy to Let

When a lot of would-be investors start in buy to let, they often have dreams of buying really nice houses, in really nice areas. But are those the best properties to buy as an investment? Often the answer is no. By and large the best properties for investing are cheaper properties in cheaper areas. This…

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The Rules and Regs on Loans to Portfolio Landlords

Since 2017 the banks have been encouraged to apply new procedures when processing applications from what are known as ‘portfolio landlords’. So what is a ‘portfolio landlord’? The definition of “portfolio landlord” is someone who owns 4 or more mortgaged properties. By the way it doesn’t make any difference if these properties are owned in…

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So What Is Going To Happen Next In The Economy?

So what is going to happen next in the economy, and how does this effect us as property investors? To be forewarned is to be forearmed and all that, so it makes sense to try and read the signs and interpret what they could mean. And perhaps one way of working out what might happen…

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I Have Finally Been Dragged Into The 21st Century

This is a very exciting week because I have finally been dragged into the 21st Century.  Well, it’s said that the mark of a successful person is the ability to adapt, so I’m giving adapting a go : ). Although I admit that I am usually a little slow on the uptake, especially when it…

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