Chairman's Statement

Build The Monthly Income YOU Want

Our organisation has help hundreds of normal hard working individuals and couples build an income for life for themselves and their families through property investment.

We specialise in building cashflow positive property portfolios that return a monthly profit for our clients to actually spend to maintain or enhance their lifestyles. Some of our clients have actually left their full time jobs, learnt the skill of successful property investing and gone on to better the income they were receiving as a salary from their employer through the property investments identified by us.

I don’t know how much research you have done but you will find a lot of companies like myself offering you the service of building you a property portfolio but the key difference between them and us is that our properties return you an income that you can actually spend. The others offer to make you a millionaire on paper with beautiful projections of year on year 9%+ capital growth projections (which is clearly unsustainable) but not one of them offer to build you a property portfolio that delivers cash to spend. Why? Well because it is very difficult to do so! There is obvious long term security in buying property but if you really want to maximise your returns and minimise the risks then we can help.

I started investing in property in 1998. I bought my first property in 1996 but that was for my own personal use. I got “the bug” for investing when I started earning rent money from the other bedroom I had in my 2 bed house. It felt like money for nothing. I had this space in my house that was returning me what was equivalent of 20% of my take home salary. This was when I thought I need to get more of these rooms!

I moved out of my house in 1997 and rented out the whole house. After all expenses I was clearing around £100 profit. I had saved up around £5,000 from my salary and in 1998 I bought another house to rent out. This investment went well and was returning me another £100 in profit.

Read my story.

This is when my strategy became clear. The strategy that was born back then and the strategy I share with all my clients today has steered me to a personal property portfolio of 200 properties worth £14m. This strategy is:

INVEST IN HIGH YIELDING PROPERTIES WITH EVERYTHING YOU HAVE AND DON’T HAVE!

Now I really want you to understand this strategy so as to decide if this is suitable for you. To help you I am going to break down the phrase and try to make you really understand why it has worked for me and others.

So let’s look at the first word, INVEST

1. INVEST IN HIGH YIELDING PROPERTIES WITH EVERYTHING YOU HAVE AND DON’T HAVE!

You can only do three things with your hard earned money: Spend, Save or Invest. I challenge you to find another use for money. Some would say waste but that just falls in to the Spend category!

I think I learnt quite early on in life spending money had limited value. You see you spend it and then it’s gone. Now obviously you need to spend some money to live to buy things such as food and clothes etc. but most of what we buy we can pretty much do without. Take my car for example. I used to drive an old Mercedes. I bought it when it was 8 years old and paid £8,000 for it. I met my partner, Hana, while I had it and even though I was quite proud of it she hated it! It reminded me of that scene in Scar Face when Michelle Pfieffer says to Al Pacino when he comes to pick her up in his convertible American Cadillac with leopard seat covers “It looks like my worst nightmare!” Hana thought it was uncool, old and quite frankly an embarrassment. So as we all men do, I caved in to her requests and agreed to buy a newer car.

This car cost me £50,000. It is a 3 year old Porsche Cayenne Turbo. Now this car to me is no better to me other than it pleases Hana. Don’t get me wrong I think it’s a nice car but I would have rather bought a few more houses. This is spending. This £50,000 car does the job of what my £8,000 Mercedes did and what an £800 Ford Mondeo would do quite reliably – get me from A to B. However I have spent, or wasted, the best part of £50,000 to do a job that could have cost me £800.

Now I think I can afford to waste every now and again but I could have not done this in the past. I used to see my collegues at work spend money on flash cars, clothes and apartments and spend all their salary (and more!) as soon as it came in. I used to spend the least possible, save what I had to INVEST in property.
So if you are prepared to save and invest your money then my strategy is for you. If you are looking to invest in property to “rescue” you from your overspending then my strategy may not be for you. It does require some discipline and diligence. If you need help in understanding what I am saying I will personally explain this to you face to face.

Now lets look at the next part of the strategy, HIGH YIELDING PROPERTIES

2. INVEST IN HIGH YIELDING PROPERTIES WITH EVERYTHING YOU HAVE AND DON’T HAVE!

   • I felt it was going to go up in value…
   • I know the area like the back of my hand…
   • I had a gut feeling it was the right area…
   • It would return me £120 per month profit…
   • Because it was cheap…

Let me define yield. Yield as defined in the dictionary is “to produce return for effort or investment”. I define yield more precisely as:

Annual Rent divided by Property Purchase Price.

The annual rent is the return and the property purchase price is the investment, so this tells me what I get back from what I put in. It amazes me how many landlords and investors that are out there that do not know what yield is. It is the most basic of financial measurements that every true professional investor knows. When I ask some novice landlords why they invested there I get answers such as:

All these reasons can be proved to be wrong. Emotional investing never works. You cannot “feel” that the prices are going to go up. Property prices move based on financial fundamentals not on people’s feelings! Simply because you know the area doesn’t mean you should invest there. I know my home town and I know Leicester Square in central London like the back of my hand but you can be sure I will not be investing there. Also, even if a property can return you a profit of £120 in current conditions it doesn’t mean it will when conditions change such as interest rates rises. And describing prices as cheap can only be a relative statement. Cheap to what? Neighbouring areas? Spain? The fact you can comfortably afford the property from your salary? Or even the price of gold?!

Yield is a magic calculation that takes in to account all factors. The yield calculation has no feelings and doesn’t care too much about whose feelings they hurt either! It just wants to know what the property will rent for and how much it will cost. Because it’s a calculation that deals with known figures, being the rent, which is easily estimated from comparables, and the purchase price which can be ascertained from the vendor. No speculation, no crystal ball gazing and absolutely no hype.

So once you calculate the yield, you have to make sure its high! So what is high as “high” is also a relative term. I deem high as greater than 8.5%. The reason why I set it at 8.5% is because it is comfortably in excess of what I think long term western world interest rates will ever be in the next 10 years. It is so important to set your yield threshold to this factor only. This is the only factor out of your control so you need to set a margin on top of your long term prediction.

High yielding properties enable you to buy a property with great cash-flow. The rent covers the mortgage payment, repairs, insurance costs and other sundry costs to return you a monthly income. High yielding properties enable people with very little money to become very wealthy as the portfolio is built with other people’s money. If you need me to explain this to you in person then come to one of my roadshows.

If you are interested in building a portfolio that pays for itself and more with putting down the least possible then my strategy is probably for you.

Now let’s look at WITH EVERYTHING YOU HAVE

3. INVEST IN HIGH YIELDING PROPERTIES WITH EVERYTHING YOU HAVE AND DON’T HAVE!

Now this may not be for everyone but this is how I made my fortune. In my time I have used my salary, the equity in my personal home, the equity in my other investment properties and all my savings to invest in high yielding properties. I have never held back as I 100% believe in

a) high yields

b) property

as being the key to my financial security AND freedom. Because I believe in it so strongly I have no problem putting all my money in to such investments. Read my page on raising the starting capital.

I hope you share my enthusiasm. If you look at your alternatives such as the stock market, ISAs, managed funds, gold, commodities, land or whatever else you have come across property is the only one that makes any sense once you get in to the nitty gritty of it. Property is easy to understand as we all grew up in one! It’s just mastering the basics so that you choose the right properties.

Another reason why I put all my eggs in the property basket is that properties always appreciate over time. You can be guaranteed property values will rise in the long term. Whereas cash devalues over time due to inflation, property prices always increase and rent always increase as its directly linked with wage inflation.

It’s nice to know that all my property investments will be passed down to my children (yet to be created!) so they can have a good life one I am not here. If you need help with your investment goals for you and your family then arrange a meeting.

Now lets make sense of the last phrase, AND YOU DON'T HAVE!

4. INVEST IN HIGH YIELDING PROPERTIES WITH EVERYTHING YOU HAVE AND DON’T HAVE!

If you truly want to be rich then you have to grab the bull by its horns and go for it. My belief in high yielding properties is so strong I actually borrow my deposits from various sources.

You can borrow the deposit and all fees by either:

Getting an unsecured loan - APPLY NOW

Getting a secured loan (no need to change current residential mortgage) - APPLY NOW

Raising it off a credit card (cheapest method at 0% APR) - APPLY NOW

Remortgaging your current home - SPEAK TO MY BROKER

This means I get true 100% financing for all my investments. I do not waste my time trying to structure Below Market Value deals which are hard to come by and rarely ever yield greater than 10%. I do not need to do this. I simply go to my bank and other banks and ask for unsecured loans, credit cards and overdrafts. Read my page on raising the starting capital to see how this can work for you.

Now I know this is not for everyone. You will not need to do this if you have a reasonable timescale of when you want to achieve your target income with a reasonable starting income. However if you have nothing and want an income of £25,000 per month in 5 years (like I did back then) then you are going have to have a high propensity to risk. Nothing is going to land in your lap.

Okay. I hope I have made a convincing argument on how to build a monthly income you desire. Have a look at the type of properties you could expect to own, the type of tenants who would reside in the property, the minimum investment required and the monthly profit you could expect if you were to embark on the adventure of obtaining financial freedom via investing in property.

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