Do I Need a Personal Gurantee with A Buy to Let Mortgage

A question I’m often asked is whether it’s necessary to give a personal guarantee with a buy to let mortgage.  In fact it’s often put as a statement rather than a question along the lines of “If I need to give a personal guarantee then I don’t want to apply for a mortgage”.  So I…

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What Are The Risks With Owning a Buy to Let Property

I’ve had a great question in which is ‘what are the risks of owning a buy to let property?’.  I think it is a good question because I meet many, many would-be and new investors who, to be honest, and I mean this in a respectful way, but I think that they can be a…

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Can I Really Invest in Property With Little or No Money of My Own?

But could he be someone who controls property without owning it, but can receive the benefits of ownership anyway?
Yes, there are ways of doing that.
There are a number of cheap, low money, not much money required, No Money Down, entry point strategies which he could use, even if he has no money, or limited funds.

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Can You Really Get Capital Growth on Your Buy to Lets Up North?

I never fail to be amazed when potential (or even experienced) investors tell me that they don’t want to invest up north because you don’t get capital growth. Really? Well, that’s news to me. And I’ve been investing “Up North” for over 20 years. Now, of course, wherever you invest, capital growth is not linear.…

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Does The Time Of Year Make Any Difference

A great question I have been asked is does the time of year make any difference to buying and selling in property? Well, you would think that it shouldn’t, but it does. Two of the best times to buy if you are an investor is around Christmas time,(this includes the run up to Christmas and…

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How to Bid At A Property Auction: Property Auctions

A question I am sometimes asked is, “If I go to an auction to buy a property, how do I bid?” The first starting point before you do anything is to sort out your finance, to sort out your survey and to sort out the legal side. That is a given. Then when you’ve done…

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How To Develop a Relationship with Estate Agents

A question I am often asked is, ‘How do I build relationships with estate agents?’. Let’s start at the beginning. First of all, why would you want to build a relationship with an estate agent? The answer is that, if you follow a strategy like buy to let,  probably 90-95% or more of your deals…

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Do My Broker And Solicitor Need To Be Local?

Do my solicitor and mortgage broker need to be based either near me or near my properties, and the answer in both cases is no! But, let’s just think about this. Firstly, let’s deal with mortgage brokers because I think that is very easy. A mortgage broker nowadays can do most of what they need…

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How to Get the Right Managing Agent!

How do I choose a good property management company and what do they do? First of all, let’s clarify what that means because sometimes you will hear people refer to letting agents, and you will hear people referring to managing agents, and often the two are interchangeable and they do the same thing. Most letting…

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