87 Essential Tips for Property Investor Newbies

These Tips Will Save You a Mountain of Time and Mistakes

By Ashley Banfield

Contents

Introduction.......................................................................................................................................3

How to Use This Guide..................................................................................................................3

What This Guide Is about and Who It’s for...........................................................................3

87 Essential Tips for Property Investor Newbies.................................................................4

Conclusion........................................................................................................................................23

Introduction My name is Ashley Banfield and I have been investing in property since 2006 buying and holding various types of property including residential Buy to Lets and commercial properties using mortgages, cash and option to name a few strategies. I have written down these essential tips for brand new property investors who have little or no idea on what to expect when making the decision to start this journey or who to turn to.

How to Use This Guide The best advice I can give you is to read everything over once. If you can, do it in one sitting, then re read it again. Then, read the sections again that you are not sure about, and if you can, get someone else to read it as well, and both of you make notes. There are plenty of website links in this book so it probably is best to read this book while you are online so you can see exactly what I’m talking about throughout the book.

What This Guide Is about and Who It’s for The money is in the purchase, the money is in the purchase, the money is in the purchase, how many times have we heard every guru on the planet say this? Hundreds, thousands and with good reason. You make the money when you buy! And in this book I’m going to share a load of tips with you that you can use right away and into the future. So let’s get started! Ashley Banfield

87 Essential Tips for Property Investor Newbies

Property Investor Newbie Tip #1 - Find a Mentor you can get along with and relate to

One of the biggest problems I see when people start is they get hooked up with various people from various places and the mentor they use is chosen for them. Make your own decision and the biggest one is you must be able to spend time with them and get along. I used various people and have various JV partners all who have unique skills and value.

Property Investor Newbie Tip #2 -Understand that the property market is a moving target

Sounds simple enough, but few people actually do understand this when starting out. You must keep up to date with new and old strategies because some of the old ones come back into play when the market changes. Look what happened in 2008 to house prices on the back of the crash. There are and always will be cycles.

Property Investor Newbie Tip #3 -Invest in Property

I’ve had a problem in the past with this and I’m sure you do too. Investing in Property is something you must do. It is by far the most important action you must take. Do it right and you will profit.

Property Investor Newbie Tip #4 -ALWAYS buy from motivated sellers

Motivated sellers are people who need to move fast and are willing to offer you a lower price. These come in various forms but many are

motivated by lack of money, maybe moving abroad or just empty nesters who need to move on now they have retired. Get out there and find motivated sellers and you will find profit.

Property Investor Newbie Tip #5 -Buy in the right area where you can get high yields for rent

Sounds basic but you will be very surprised how many investors don’t even know what yield is or how to work it out.

Property Investor Newbie Tip #6 -Learn about Gross Yield and Net Yield

It’s not hard and once you know you will always buy the right property in the right area for the right money. Learn how to calculate yield and you will learn how to spot a good deal and make profits from your BTL’s.

Property Investor Newbie Tip #7 -Buy in an area with strong demand for rental

It’s no use hoping the BTL you just purchased will rent out. Research your area and KNOW that you will rent the property out quickly and maximise your income.

Property Investor Newbie Tip #8 -Create positive cash flow

While it’s a given you will now get rent for your BTL ensure when you buy that you are getting more rent than the cost of the mortgage. This not only ensures you make a profit but you also cover costs of maintenance etc. And voids.

Property Investor Newbie Tip #9 -Buy and HOLD as many properties as you can

Property will go up in price over time and the rent will increase. This will create your pension if that’s part of your plan – passive income.

Property Investor Newbie Tip #10 -Make TIME to build your property business

Time is your biggest cost in this business. Make time to research and to view properties even if it’s after hours or on weekends. IF you’re not viewing properties you’re not buying them either.

Property Investor Newbie Tip #11 -MAKE FRIENDS with like minded people

The more people you have around you motivating you the better. When something small gets you down somebody who has been through that same scenario has done so many more times and has many more ways to deal with it. Friends will be your inner circle and your team who create your property business with you. DO NOT do this alone.

Property Investor Newbie Tip #12 -Don’t do this alone

Sometimes people think that if they do it all alone and mess up then nobody can say ‘told you so’. Well I have messed up a few times and if it wasn’t for my mentors kicking me in the butt I’d be sitting around wondering why I never invested in property.

Property Investor Newbie Tip #13 -LEARN LEARN LEARN – Knowledge means profit

I can’t stress this enough. You will never ever know what you don’t know. The only way to learn is to ask and to listen and also to go out and do. Educate yourself using books, internet and a good mentor who you can bounce information off to get a real world view. The more you learn the better decisions you will make.

Property Investor Newbie Tip #14 -Set GOALS – know your exit

Yes that old chestnut. I can tell you this – it will not go away. If you don’t have a plan of action and know what you want to achieve then you won’t. You will only be what you do.

Property Investor Newbie Tip #15 -Create systems

This is a simple method of generating set criteria for your purchasing and for your tenant searching.

When you get to buy HMO’s you will need systems. You need a system to follow for each strategy and you can learn these from good mentors too.

Property Investor Newbie Tip #16 -Make friends with a good mortgage broker

This you will need and make sure they have experience in property investing so they understand your strategies and what it is you want to achieve.

Property Investor Newbie Tip #17 -Find somebody with money who is willing to invest in YOU

This is something I learnt from my mentors, who have continued to drum into me that it does not matter if you do not have your own money for deposits and fees etc. As they would say ‘go and find the deal and the money will follow’.

Property Investor Newbie Tip #18 -Learn how to re-mortgage

Simple enough. But what you need to know is how to do this as quickly as possible and ways around the set criteria banks have enforced. This will enable you to do NMLI deals.

Property Investor Newbie Tip #19 -Recycle your money

If you know how to re-mortgage and increase value then you know how to re-cycle your money. You will as mentioned need a good mortgage broker and a good mentor to assist you here.

Property Investor Newbie Tip #20 -Market for motivated sellers

Create marketing campaigns to find motivated sellers in your area. As mentioned already this is your way towards profits and long term equity. You will need to work on newspaper advertising, the internet, leaflets, word of mouth and many other areas.

Property Investor Newbie Tip #21 -Make friends with Estate Agents

Get to know and meet as many as you can because these people are a valuable lead source when it comes to properties that need refurbishment or BTL’s. I have also purchased commercial property with leads from agents and have long standing relationships with them.

Property Investor Newbie Tip 22 -Know your customers

Your customers are your sellers, your motivated seller, and you need to know what drives them and what it is they need from you. Be ethical and help somebody improve their life by helping them out of situations they would rather not be in.

Property Investor Newbie Tip #23 -Walk before you run

There are many advanced strategies for buying property today and just as many to get you started. Try the easier ones first before you jump on the band wagon and try the latest trend. Options are one of the advanced options you will use at some stage but you will need to have all the knowledge before treading on this shaky ground. Once mastered it may be the only way you purchase in the future.

Property Investor Newbie Tip #24 -Select an area suitable to your strategy and near where you live

To avoid travelling here and there establish yourself an area close to where you live or move to an area where you can run your strategy successfully. I moved to the Midlands from Windsor to make sure I could make the most of my time and the profits.

Property Investor Newbie Tip #25 -Get to know the local planners before you need planning consent

Believe me this will save you time and money – build relationships with these people and you will find your applications for planning will go through a little bit smoother and that little bit quicker.

Property Investor Newbie Tip #26 -Find a builder who has a team

Builders come in all shapes and sizes and with varying amounts of experience and some are ethical and some are not. Get references and go to jobs they have done. If they don’t want you to do this then walk away. The cheapest price is not always the best route. They need to have been in business at least 3-4 years and have experience doing refurbishments and extensions.

Property Investor Newbie Tip #27 -Make money when the market goes up and down

Cool! Yes indeed, there are strategies that you can use to make money in a boom and when the market is crashing around you. Remember you make your money when you buy.

Property Investor Newbie Tip #28 -Never give up

Please don’t quit at the first hurdle, use the people around you for help and assistance when times get tough. Keep motivated and look at the big picture. Property can be a tough game but it’s much easier as you move along and learn.

Property Investor Newbie Tip #29 -Leverage

We have spoken about building a team of your inner circle. Well you will need to leverage time, money and people if you want to really succeed beyond the basics. Leveraging people doesn’t mean taking advantage of them but making them see the benefits of being on the same journey to success. If you can return the good that people give you success will simply follow you wherever you go. Using other people’s money will help you grow your property business twice as fast and in many cases 10 times faster. You simply don’t run out of capital.

Property Investor Newbie Tip #30 -Network

Everywhere you go, network with people. You never know exactly who you might run into. Let as many people as you can know about what you do and that you’re the best at it. Going to seminars and trade events is a great way to network with people in your markets and a great way to start building relationships with key people. You never know who might be able to help you with something down the track.

Property Investor Newbie Tip #30 -Know the Risks Involved

If you do your due diligence upfront before buying any property you will mitigate a lot of the risk involved. Estate agents will try to sell you the dream deal that is not a dream deal. They will try to convince you that the property will be worth so much more than what is reality. Buying from motivated sellers will reduce this risk with the discounts you gain. Once again we have mentioned motivated sellers.

Property Investor Newbie Tip #31 -Interest rates will rise

To well informed investors this will not pose too many problems as they will hedge their business with other strategies that make money when interest rates are high. When rates are high a lot more motivated sellers come onto the market – simply because they cannot afford the extra mortgage increase.

Property Investor Newbie Tip #32 -The numbers never lie

Try not to get emotional about properties you view and purchase. They are simply tools to making you money. No matter how horrible they may look or how much you dislike the area they are there to make you money. On the other end of the scale avoid falling in love with a property unless of course it is for you to live in – you should also ensure the numbers are the first thing you look at.

Property Investor Newbie Tip #33 -Have a Decision in Principle ready and waiting before you go and

make offers

This is required by the agents and you will need it anyway if you are taking out a mortgage for the finance. This is easily provided by your mortgage broker. This will also save you a load of time which as we have mentioned is your biggest asset.

Property Investor Newbie Tip #34 -Use a different surveyor when re-mortgaging

Well of course, why would anyone want the same surveyor valuing the property which he/she just valued at a lower price. Sounds simple enough and many do not do this and so they get down valued. This can cause massive problems and in some cases a dead deal and wasted money.

Property Investor Newbie Tip #35 -Use interest only mortgages for BTL

As an investor you don’t want to own the property outright. IF you do then you are locking up capital that can help you buy more properties. Using interest only and inflation in your favour money can actually be cheaper than you think and in turn create more profits.

Property Investor Newbie Tip #36 -Develop the mindset of a millionaire and think like a winner

If you think like you are unsuccessful then you will be. If you think and act successful your whole attitude to life will change.

Property Investor Newbie Tip #37 -Rewire your subconscious mind for financial success

Think of money as a tool in your property business and avoid feeling negative about money. Money is everywhere and if you have a great story to tell people will give you money.

Property Investor Newbie Tip #38 -Knowledge is Power – if you act on it

Learn the skills it takes and apply them in abundance and your life will change rapidly towards your goals.

Property Investor Newbie Tip #39 -Make Money whilst you sleep

Create a passive income that continues to make money when you sleep, when you eat lunch, take a shower, mow the lawns, wash the car and so on. You get it.

Property Investor Newbie Tip #40 -Do what you love and are passionate about and you’ll

Increase your chances of success

Be passionate about property and what it can deliver by way of lifestyle. It’s not for everyone. Some people hate property so they go and do other things that make them money but eventually still buy property as it’s such a good asset to have. Please don’t get into this business if you’re not truly passionate about it or you will end up getting bored and much worse you may end up losing money – simply because your decisions are not going to be what they need to be.

Property Investor Newbie Tip #41 -

Make this journey FUN

If you are genuinely passionate about a sport you will go the games and watch your team play. I’m not that worried about football for example so I just watch the games I chose to on TV if and when I can be bothered or if I have little else to do. The same attitude can be dangerous when you are trying to make money in the property business.

Property Investor Newbie Tip #42 -

Create your own brand

What I mean here is create the brand you want to market yourself as. Are you more inclined to be a thinker who loves looking at spreadsheets or are you more of a creative type who loves to do the business but has little care for details. Both can work but you need other people to balance you out. Know who you are and start branding yourself.

Property Investor Newbie Tip #43 –

Inspire and Motivate

Be the leader in your inner circle who creates the motivation to find new deals. Be the fixer when small things go wrong. Be the one who people look to for advice – this is all part of the branding in the previous tip.

Property Investor Newbie Tip #44 -

Move Fast

If you get a call about a property that fits your criteria then get out then and view it. Do the numbers when you get there and negotiate onsite – this will always help especially if the vendor is meeting you too. You can build up the story before you make the offer.

Property Investor Newbie Tip #45 -Flip properties for quick returns

Build up a pool of cash flipping houses – buy low, add value and sell at a higher price based on value you have added.

Property Investor Newbie Tip #46 -Start by buying cheap houses with high yields

These properties may be priced below the national average now but they will increase in value. This is a good way to create equity and high rental yields.

Property Investor Newbie Tip #47 -Never buy a wreck to flip

You can buy wrecks or properties in really bad condition if you are going to knock it down and profit from building a new building.

Property Investor Newbie Tip #48 - Be aware of micro areas within your area

You may be looking at London as your area and if you want to advertise the entire city it’s going to cost you a small fortune and you will get people who own multi million pound homes down to those who live in the worst properties in the worst parts.

Look for niche areas in London that fit a strategy. This way you can laser in to your market.

Property Investor Newbie Tip #49 - Be successful

You are successful now but perhaps not in property. If you have a talent for what makes you successful now bring those traits over to property investing. If you are good with people this is a fabulous trait for property as you will deal with a lot of people.

Property Investor Newbie Tip #50 -Keep your costs down

Once you are fully operational and running your own property business every single pound you spend is coming out of your profits. If you have 10 properties then they all have a boiler. Keep them maintained because if all 10 go at once you have a large bill. Don’t cut corners, cut costs.

Property Investor Newbie Tip #51 -There are always costs to buy and sell

When looking at the numbers remember you need to pay tax, agents, surveys and other hidden costs. Know what these are and include these in your profit/costs before making the offer.

Property Investor Newbie Tip #52 -As a newbie stay away from auctions

Unless you are disciplined enough not to go above the price you know is your limit then stay away. You can easily erode all profits here and if you haven’t even seen the property you could find a lot more than you paid for.

Property Investor Newbie Tip #53 -DO NOT pull out of deals you have agreed to

If you make an offer with an agent or directly with the vendor subject to valuation and that valuation is bang on do not pull out of the deal. You will lose credibility with the agent and the vendor may spread the word too.

Property Investor Newbie Tip #54 -Understand Capital Gains Tax

If you don’t get it then get an expert to show you and explain it to you. You need to be aware of your costs and tax is one of them. There are ways to keep this to a minimum but you will need a good tax expert to show you how.

Property Investor Newbie Tip #55 -Buy-to-let lenders typically want rent to cover 125% of the

mortgage repayments This means that if your mortgage is £1,000 per month then the rent needs to be £1,250 or more to even get a mortgage. Do you see the importance of getting good discounts on properties?

Property Investor Newbie Tip #56 - Consider how hands-on you want to be

Are you cut out to be a landlord or would outsourcing to a letting agent mean you can spend more time finding deals. Getting a call at 2am because the boiler has broken down is not my idea of fun. This is the same for refurbs. Why spend days painting when you could be looking for more properties.

Property Investor Newbie Tip #57 -This NOT a get rich quick scheme

Investing in property is a life pursuit to take control of your financial future – not a get-rich quick scheme. You will make mistakes. The successful investors are the ones who can take those experiences and turn them into opportunities.

Property Investor Newbie Tip #58 -Be the wholesaler

WHAT? How do I wholesale property? Rent to Rent is where you become the middle man between the owner and the tenant. This is a great way to generate income with little or no money for set up.

Property Investor Newbie Tip #59 -NEVER buy property overseas unless you have local knowledge

BE extremely careful when buying overseas property – think Spain and the crash. People are flooding back to the UK with their life savings left abroad.

Property Investor Newbie Tip #60 -Seller Finance can save you thousands

If a seller owns a property with no mortgage, they will be willing to finance the sale themselves. This enables you to buy a property without the hassle and costs of going through a bank or other lending institution and in some cases as we have experienced no deposit and no interest.

Property Investor Newbie Tip #61 -Learn the Lingo

If you don’t know the lingo or the latest acronyms don’t pretend to or you may just end up looking silly so please avoid trying to be something you are not. It is also important to know the terms around BTL, NMLI and HMO to name a few. Agents you meet will talk in acronyms.

Property Investor Newbie Tip #62 -Write a business plan

When I first began investing, I actually sat down and created a plan to create success in the property business. I consulted my mentors for their assistance and various other close friends to make sure I wasn’t dreaming and kept it real.

Property Investor Newbie Tip #63 -Network

Everywhere you go, network with people. You never know exactly who you might run into. Let as many people as you can know about what you do and that you’re the best at it. Going to seminars and trade events is a great way to network with people in your markets and a great way to start building relationships with key people. You never know who might be able to help you with something down the track.

Property Investor Newbie Tip #64 -Know the Risks Involved

If you do your due diligence upfront before buying any property you will mitigate a lot of the risk involved. Estate agents will try to sell you the dream deal that is not a dream deal. They will try to convince you that the property will be worth so much more than what is reality. Buying from motivated sellers will reduce this risk with the discounts you gain. Once again we have mentioned motivated sellers.

Property Investor Newbie Tip #65 -Interest rates will rise

To well informed investors this will not pose too many problems as they will hedge their business with other strategies that make money when interest rates are high. When rates are high a lot more motivated sellers come onto the market – simply because they cannot afford the extra mortgage increase.

Property Investor Newbie Tip #66 -Find the right property

Make sure that the property does not have any major damage considering the price. When looking at a house, the kitchen is often one of the most important features to consider. Kitchens can cost thousands of pounds, so if the kitchen is in a terrible state, you won't be able to sell the property for as much. Additionally, look out for any major structural damages like cracks or signs of movement. Anything over a 3mm gap is structural.

Property Investor Newbie Tip #67 -There is never a bad time to buy property

When the property market is booming this is usually associated with a greater availability of mortgage products and in turn cheaper money. This is the same for the opposite when the market is down and the availability of mortgages is also much tighter and money will cost you more. The impact of such ‘supply and demand’ makes borrowing more expensive in recessions and less expensive in boom times.

So what you need to do is use the market to your advantage. Grow your portfolio using a high gearing and high liquidity strategy in conjunction with easily accessible and highly competitively priced funding. It is also worth mentioning that money is more expensive and mortgages are

tougher to get but you are in a position to buy at much lower prices. When the markets picks up you can refinance taking more money to use to buy more properties. Property is very cyclical; use it to your advantage

Property Investor Newbie Tip #68 -

Stay away from new builds

Unless you secure a 50% discount do not buy new builds and never buy off plan. Some developments don’t go ahead and you are left losing your money. On the other hand if you can find land and build new homes for a profit then you can make some excellent margins.

Property Investor Newbie Tip #69 -Location Location Location

Is location still important? You bet it is. Try to find areas where there is a lot of new growth happening, new transport links coming in, re-generation and look for new shopping centres or super markets. There is also the Costa Coffee rule to think about

Property Investor Newbie Tip #70 -Avoid the news

Get caught up in the hype of a down or up market and you will make hasty decisions and in turn mistakes based on emotions. Always do your due diligence and always know the numbers.

Property Investor Newbie Tip #71 -Always match the property with the tenant

When marketing for tenants for your BTL make sure you advertise in the right papers etc. Copy is also important to ensure you are speaking the language of your prospective tenant. You don’t want to advertise in The Times for a bedsit in London.

Property Investor Newbie Tip #72 -Features Tell Benefits Sell

Advertising can be hit and miss when searching for property deals and motivated sellers. What I have learnt over time is that all the features in the world will not sell you or our service.

You need to articulate the benefits of you and your service so people will pay attention. Remember this when looking for investors to invest in you too.

Property Investor Newbie Tip #73 -Always get 3 quotes from builders

There are massive nuances between builders and your prices will vary greatly. Be very straight with what you need and document everything.

Property Investor Newbie Tip #74 -Always get a schedule of works from your chosen builder

This forms part of your agreement and the mortgage lender will also need to see this as part of the process.

Property Investor Newbie Tip #75 – Avoid making changes after the refurb has started

To avoid delays whilst the work is being carried out make sure you have planned right from the start. Know what finishes and what kitchen and bathroom you want. Know the colours, the tiles the bricks etc. If you make changes during the project you will throw the whole project off – builders schedule in people one after the other and if you cause delays you will put a spanner in the works and it can delay you by 2 months or more waiting for the trades.

Property Investor Newbie Tip #76 - Structure Deals for JV’s that will bring in money in abundance

Know what the JV wants to hear from you – do this by asking yourself the same questions first; Examples of questions Who? What? Where? When? How? So who are you and what are you about, what is the deal and what do you need from me, where is the property, when do you need the money and when do I get mine back and how do we do this i.e. send you money, solicitors, agreements etc. These are just a few of what you will need to know but if you stick with the 4 x w’s and the how you should be able to get the basics in place.

Property Investor Newbie Tip #77 -

The 6 Month Rule

All lenders have a rule that you cannot re-mortgage your property for a minimum of 6 months. Bear in mind flipping a property takes about 9 months from purchase to refurb to re-mortgage. Keep this in mind when setting timescales.

Property Investor Newbie Tip #78 -

Mortgage tie-ins

When using the strategy of flipping or NMLI you need to get a mortgage that has no fees associated with ending the mortgage early. Soma may charge 3% for this and in turn taking away your profits. There are a lot more options now that the market is turning upwards but please shop around for the best deal for you.

Property Investor Newbie Tip #79 -Sole trader, Limited Company or Partnership?

You need to decide whether you are going to operate as a company or not? These all have tax implications and will differ from person to person so it’s best to get professional advice from an accountant based on your own circumstances. Getting a mortgage as a company will be much harder.

Property Investor Newbie Tip #80 -Use your builder as a JV

If you want to make sure your builder does what he says he will and on time work in a profit share for him as part of the deal which could include an on time bonus and perhaps a bonus for finishing ahead of time. You pay him the extra when the house sells out of the profits. Your builder can also be a great source of new leads.

Property Investor Newbie Tip #81 -The marketing price is not always the same as the sell price

Estate agents will always know these two figures but unless you ask they will simply tell you the marketing price. This is not what is expected for the actual sell price.

Example they view your property and tell you they would market this property at £125,000 looking to achieve £120,000. So when you work out your costs and exit strategy it needs to be based on the £120,000.

Property Investor Newbie Tip #82 - Stay in touch throughout the deal

Always make regular calls to your solicitor and the agents or vendors depending on how you purchased the property. This way you are always in the loop and you will be on top of any issue that may arise and you can deal with it quickly. Don’t let the deal run itself.

Property Investor Newbie Tip #83 - Use more than one letting agents

Letting agents can set up in a day and as a newbie you will struggle to know the difference between a good and bad one. If you have 3-4 properties try out 2-3 and compare them against each other. Once you work out which one is the best use that one but continue to look for improvement.

Property Investor Newbie Tip #84 - Keep rents moving steadily upwards

People I know have properties where they have not put the rent up for 7-8 years because they have a tenant who has been long term and don’t want to upset the apple cart. In fact we purchased a commercial property where the rent has been the same for 20 years. I know what the current rental rate was and so we put it up to 10% under that and increased the rental income by 30%. This can quickly compound across your property business if you have multiple properties.

Property Investor Newbie Tip #85 -Protect yourself and your asset

When renting always take a deposit. You just never know when you’re going to need it. Why should you pay for damages incurred by others? Keep your insurance up to date and read the small print on your policies.

Property Investor Newbie Tip #86 -Keep the property clean and presentable

Fix any leaks where rain may be getting in, keep the hot water system in check as this is one of the biggest complaints from tenants. A light coat of paint at the end of each tenancy will not only make it look fresh but smell new. Clean the carpets and the entire house between tenancies.

Property Investor Newbie Tip #87 -Get taught by the people who do this daily

I have spoken to many ‘experts’ in this game and few have told me anything new. When you meet me in person and Immanuel Ezekiel we will illustrate to you the key areas where we are making money and the key strategies that are working in today’s market. We don’t like hype and high pressure selling – we like deals and if we can work with you in the future we would be most pleased.

Conclusion Property Investing can be whatever you make it. You can choose to make it your career or you can simply invest when and where you feel like it. The end results will be vastly different but you can work at your own pace to suit your lifestyle. If you want to make a career of investing in property then you will need to quit your day job. To do this you will need to match your current income unless you have a large pot of money to keep you going until this happens. If you have a job you 100% love doing but also want to invest in property as a means to building a pension and passive income then continue down that route but bear in mind that your pace will be much slower so choose your strategies well. Flipping houses, rent to rent and managing your own tenants is part of a career in property and you will need to spend time on these projects yourself each and every day. However, by buying cash flowing properties, reinvesting that cash flow into bigger and better projects, and setting up systems to manage that business, you are creating investments for your future. Anyone anywhere on any wage can invest in property. Money should not be the barrier as there is a lot of money available to investors who have the right team around them. I have mentioned having an inner circle and mind set a lot in this report and I talk about it daily with all the new investors I meet and help mentor. It is so important to set yourself up for success and having the right people around you will make this a whole lot easier. Find whatever job makes you the happiest and do that but use property as your investment vehicle to gain financial freedom.

I run a property investor beginners course Two Saturdays per month out of Milton Keynes where you get to spend the entire day with me. I will run you through all the major steps to help you setup your property business the right way from the outset. If you would like further information please email me or go straight to the website.

I wish you well in your chosen path for property investing and look forward to meeting you soon.

For all more information on events and course please visit our site as below.

Ashley Banfield

Wealth and Success Academy

www.welathandsuccessacademy.com

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