Learn How To Invest In Property

Learn The Art Property Investment

Property Mentor can teach you the art of property investment. Trying to make money from the property market is both easy and difficult. It is easy if you understand the principles and have the contacts - but also extremely difficult is you try to beat experienced professionals with little of no expertise.

The current market conditions are perfect for any potential property investors - the interest rates are low and a majority of UK properties are under valued and can be aquired very cheaply - it is a buyers market and the number potential tenants far exceeds the number of available properties.

Put all of the above into a melting pot and add in some tuition to produce a great formula for success.

Who Are Property Mentor

Property Mentor are a property investment training company that specialise in the art of making money from the housing market, whatever the conditions.

Property Mentor was founded in 2003 under the umbrella of Reality Expansions Events Ltd. The directive of Property Mentor is help teach potential investors how to successfully make money and become a professional landlord in just one month.

The History Of Property Mentor

Property Mentor are also an educational body. There unique step-by-step system is nationally recognised as an NVQ qualification. Meaning? Your enthusiasm for property investment can now be turned into a credible qualification, for life.

Since 2003, they have helped over 1,800 delegates build impressive property portfolios of all descriptions. From the traditional avenues of residential and commercial, our unique strategies have enabled delegates to invest in anything their desire: single let, double let and even hotels.

Property Mentor were recently featured on BBC’s The Money Programme.

What You Will Learn

• You will be shown how to get finance that enables you to buy many properties with little or no money down and in a number of cases, where you can even borrow enough to cover the deposit, all closing costs and all costs associated with refurbishment, renovation or conversion.
• You will learn how to easily get to know the average price of a property on any street in the country and then easily work out how much the work will cost and how much profit can be made from every property, before you ever need to invest any money.
• You will gain knowledge in project management and learn how to cost and project manage all kinds of renovation, refurbishment and conversion work and not taken advantage of by people in the building trade.
• You will find out where to buy almost everything you could ever need at massive discounts – in many cases, way below what most people in the trade are paying. This information alone is worth thousands, simply based on the work you might do in your own home over the next ten years, let alone the tens of thousands you can save from multipleinvestment properties.
• You will be taught how to generate large sums of capital that can used for any repairs or renovations that may be needed.
• You will be introduced to other Property Mentor students and swap information, ideas and possibly work in tandem.

If you do have ambitions to become involved in the property investment business - Property Mentor is a prerequisite.

Currently, Property mentor are holding FREE seminars and training courses across the UK at multiple locations.

Free Property Investment Training Seminar

Is It A Good Time For Property Investment

Is Now A Good Time To Invest In Property

In todays economic conditions the word investment is not used as freely as it was a year ago. Combine this with the word property or house and its even fewer.

So why does property investment seem such as scary proportion at this point in time.

All investment opportunities in all industries have ideal conditions. When prices are low - this is the time buy.

The problem with the property and housing market is that the residential home buyer is obviously connected to this market.

Property sales involving ordinary home buyers in the UK has fallen by 53% in the past year, according to the latest government figures.

Are You A Property Investor

In September nearly 60,000 homes were sold, over twice as many were sold the same month last year.

That was also a 62% fall from the recent peak in sales, of 154,000, seen in December 2006.

Currently the credit crunch has plunged the housing market into its sharpest slowdown for many years.

Housing Market Decline

Despite a recent cut in interest rates, attempts by the government to assist the banking system, and a reduction in the burden of stamp duty, there is no sign yet of the property market coming out of its worrying decline.

Providers of mortgage products such as the Halifax and Nationwide have reported that prices are still in decline around a tenth of what they were this time last last year.

A recent survey by the Royal Institution of Chartered Surveyors (RICS) found that estate agents were having problems trying to sell a property a week.

In addition, the best leading indicator of future activity - the number of new mortgages approved for house purchase but not yet lent - is down by 70% on a year ago. This indicates that prices still have not reached a low point.

Lack Of Money

The key factor in the sales slump has been the lack of funds in the past year available to banks and building societies to lend to borrowers, especially first-time buyers.

With house prices falling, lenders have been demanding that borrowers put down deposits that are much larger than normal, to protect themselves if someone becomes unemployed and the home is subsequently repossessed and sold at auction.

At the start of the year, mortgages worth 100% or even more of a property’s value disappeared. Now even the traditional 95% mortgage is in danger of disappearing.

Many lenders now ask borrowers to put down at least 10% of the purchase price of a new home. The most favourable deals, at the lowest interest rates, are generally available only to those who can put down 25%, or sometimes even 40%, of their purchase price.

“There are some signals that housing market activity could be close to hitting a floor but there is a danger that a sharp rise in unemployment could precipitate a further round of fear on the part of buyers,” said Simon Rubinsohn, chief economist at the Royal Institution of Chartered Surveyors (Rics).

Is Now A good Time To Invest In the Housing Market

Despite the unhealthy conditions if property were any other commodity - the time for investing is fast approaching.

Once the market is on the floor the only way is inevitably up.

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Unemployed - Become A Property Investor

Property Investment On A Shoestring

The unemployment figures published in the press at time of writing do not make good reading. Record high unemployment figures of 5.5% are set to increase even further.

Estimations for recovery look bleak with experts predicting 2 million people will be unemployed by 2009.

The Office of National Statistics (ONS) say the number of people claiming job seeker allowance has risen from 32,000 to 900,00 since July. Nearly 30,000 people are applying for job seekers allowance a day.

What Has This Got To Do With Property Investment

In times of economic troubles all forms of investment seem at first glance a very risky proposition. The stock market certainly is a gamble in the present climate. But what of property.

The UK has one big advantage where property and a potential investor is concerned - the UK is an island and so demand will always outstrip supply. There are not enough houses built or being built to meet the demand.

This may seem total nonsense after what you are no doubting reading and listen via the media. Any kind of investment opportunity in the housing market may appear foolhardy. This is a wrong perception.

Currently, property can be purchased at well below market value - this is an ideal scenario for a potential investor. The problem lies with borrowing from a lender - it has been much discussed that UK mortgage companies and lenders are tightening the criteria and cutting back on mortgage products.

The buy to let market is fairly unaffected - with a majority of mortgage lenders approving buy to let mortgages over and above the typical mortgage for the individual or family to buy to live in. The reason for this is the the buy to let mortgage is considered less of a risk. In times such as the one we are currently experiencing will always fuel the need for tenants.

How To Buy Property For Practically Nothing

If you are currently unemployed what better way to join the workforce again than by employing yourself - as a property investor.

Property investment is not complicated and does not require huge some of money to start. Property investment is not property development

The chances are you probably did not realise that it is possible to acquire a property with a No Money Down Deal - you could recieve a 100% loan from a bank or lender that requires no deposit. All that is needed is a tenant or proof that a potential tenant can cover the cost of the monthly repayments.

Property Investment is not just for the cash rich but does require training and knowledge - if you would like to find out more about property investment on a shoestring - click here

Make Money From Property Investment

Invest In Property To Make Money

As the credit crunch is starting to bite more people are looking into other means to help aid their financial situation and boost their incomes.

Unfortunately in times of economic doom and gloom the most explored avenues are the most hazardous and prone to failure, disaster or both.

Gambling on a national basis usually increases as people uncharacteristically try to luck themselves out of their predicament only to fall into greater debt.

Get Rich Quickly

The get rich quick schemes appear more and more attractive - desperation fuels the fire that burns within the question “maybe this one is for real.” The reality is though that most if not all of the get rich quick schemes that are in abundance on the internet at best will not make you rich and at worse may alleviate you of any money you had to start with.

Its a tired old cliche but very true - if something is too good to be true it usually is.

Get Rich Slowly

An under utilised method of earning additional income is to invest either your time or any surplus savings (or a combination of both) into something that has the potential of returning a high yield.

The stock market is an obvious candidate - but without constant attention, expertise and money (lots of it) higher and a safer returns are more likely from a savings account at a high street bank.

Get rich slowly is a generic term and doesn’t sound as appealing as get rich quick.

Make Money From The Property Market

The property market appears at first glance to be out of reach to the vast majority. Most rule themselves out of the opportunity straight away but considering the obvious components; and average house cost £200K (at time of writing) therefore I would need a mortgage, I already have a mortgage that I am struggling to pay, therefore this is not for me.

A sensible approach in one respect but an uninformed one.

Property Investment is not a gamble nor is it out of reach to the majority once the principles are fully understood. Investment is scary word is not associated soley with the word money. Your time is the biggest investment.

Investing in property, using the example of an average house priced at £200K, is not a £200K risk.

Mortgage lenders have drastically reduced the amount of products available to potential customers but there are still plenty of products available to the property investor.

A Buy To Let mortgage is not considered as risky as there are more potential tenants than properties in the UK. Buy To Let mortgage options range from a standard deposit to the other of the scale, a No Money Down mortgage - where a property can be acquired without any initial spend.

The possibilities for earning additional and passive income from the property market are very real and not out of reach

If you would like to learn more about making money from property investment - FREE training courses and seminars are being held across the UK.

Free Property Investment Training

Property Investment In London

London Property Investment

There are certain areas in and around the London region that are hot spots for property investment and property investors. At time of writing the property market is unstable with even the most courageous investors holding back on new investment projects and opportunities.

Investing in property across the UK has always paid dividend provided the investor understands the market conditions and focuses on either profiting from monthly rental earnings or the more longer term equity increase.

The London property market, traditionally has always been the premier or prime target for a majority of investors as London is the business capital of the UK and even in times of economic downturn tends to suffer less in terms of wide scale profit.

Attend A FREE Property Investment Training Course - Click here

The obvious area of interest at the moment is Stratford - with plans to regenerate the area into the third most important part of London in time for the Olympic Games in 2012. Read more about Property in Stratford

What Areas Of London Are Best For Property Investment

Non specifically, the best areas in and around London are those that currently have good road, rail and tube links. These areas will more likely sprawl in time.

The current market value of properties in London with good transport links are usually highly priced - but in today’s market bargains are there to be had if you know where to look.

Looking forward, if an area is just out of your budget follow the tube stops in directions heading out of Central London until you find and area that is within realistic budget.

As an example if Stratford is an area for potential investment but not affordable follow the tube stations north - this brings Leyton and Leytonstone into the equation.

Which Areas of London Are Most Popular For Property Investment

Currently the most desirable and popular London property investment targets are:

Hampstead	Limehouse	East Dulwich
Walthamstow	Shoreditch	Chingford
Maida Vale	Finchley	Brockley
Finsbury Park	Palmers Green	Norwood
Battersea	Leyton	Balham
Ealing	Peckham	Rotherhithe
Cricklewood	Lewisham	Willesden Green

These areas are in no particular order and some of the obvious candidates have been omitted such as Mayfair and Cheslea.

Is The Property Market Going To Crash

Property Market - Is It Going To Crash

According to the media the UK property market is free fall - not a day passes without a mention of the current property crisis in the UK. But is the property market in as bad condition as we are lead to believe?

If you are worried about the situation and have been convinced the UK housing market is going to crash like the USA and Spain you are worrying unnecessarily -  There may be some similarities between us, but our (the UK) prices will drop less significantly than those of the USA and Spain.

The reason for this confidence is simple economics and the fact that the demand for housing far exceeds the supply.

This year alone (2008) the UK government has predicted we will only build 100,000 new homes - a quarter of the required amount- before 2009. So until the UK can match this demand, the market is safe.

Why The UK Property Market Will Not Crash

1.    One of the reasons why Spain is struggling is that they are still building more than they require. The number or available properties far exceeds the population. We have got the opposite problem in the UK.

Free Property Investment Video - click here

In 2005, 193,000 new houses were built. This may sound impressive but to make a real impact on the growth of housing prices and reduce their costs, 245,000 new homes need to be built. And we are far from reaching that goal.

2.    In 2000-2006, the uk population increased by approximately 1.7 million this resulted in the need for 800,000 new residential houses. Although 1.1 million were built in this period, these extra 300,000 new houses were insufficient. They could not account for the growth rate of the churn or 2nd home ownership.

3.   When UK inhabitants are looking to move home they do not compare their salary to the price of the house. The big mistake they usually make is to actually compare their income to their annual mortgage payments.

Although, it could be argued that mortgage payments - as a share of a household income - has increased from 15% (2001) to 19.6% in 2005, these figures are still well below the 34% recorded in the last property crisis in 1989.

4.    It is natural to see fluctuations and property activity in certain areas of the country as the economy grows, but some areas struggle to match these demands. Through a combination of a lack of housing and transport, certain locations have become property hot spots to accommodate this need, but cannot expand fast enough.

Stratford in London springs to mind. Read about Property Investment In Stratford

Is Property A Safe Investment

Throughout the last two decades the UK has survived two property crashes and bounced back stronger than before. Experts predict that by 2010 the housing market will be buoyant once again.

If you have any ambition in the property investment marke - no is the time realise your ambitions. Click here for FREE Property Training Seminar

Property Investment In Stratford

Property Investment Opportunities In Stratford

In 2012, Stratford in East London will the centre of the planets focus as the Olympic Games comes to the UK for the first time since 1948.

A major event such as the Olympic Games can put a tremendous strain on the infrastructure of the host city but can also return a high yield of profitability to anyone with a financial interest.

Property Experts predict that investing in property in the Stratford area should achieve higher than average returns in London. This is largely due to the fact that prices of properties, both residential and commercial in Stratford should increase exponentially not only because of the general trend of property appreciation in London, but also due to a massive transformation of Stratford area into a new European business centre with outstanding international and local transport links.

Want to become a property investor - click here

The transformation of Stratford has already began and will produce the creation of the City Of Stratford and the Olympic Park. A property investor has a golden opportunity right now to jump onto the Stratford Olympic gravy train.

The current position of the property market could not be better for potential property investors. Property prices are still on the way down but slowing and when prices reach their inevitable bottom the rise could be astronomic especially in and around the Stratford Area.

What The 2012 Olympics Mean For Stratford

This is not mention the employed opportunities with the creation over 30,000 permanent jobs an as yet an unestimated figure for temporary employment.

Stratford will become the third most important area of London behind the West end and Knightsbridge in terms of the retail sector.

What Does This Mean To Property Investors

Usually the upgrade in a city or region happens over time and several factors can influence a change in fortunes. The regeneration of Stratford is happening for a specific purpose and so investment opportunities are very real and timescales achievable.

Residential and commercial property investment opportunities in the Stratford region both existing and off plan are being created thick and fast.

The Olympic Gravy train is coming to Stratford - make sure you are on it.

Best Property Investment Course

Number 1 Property Investment Course In UK

Property Mentor is now officially the best property training course in the UK. Property Mentor can educate you to benefit from groundbreaking new strategies to earn more money from the current market conditions. 98.4% of attendees in June 2008, rated their course as being either ‘Superb’ or ‘Outstanding’.

If you have any ambition to get involved in the property market - Property Mentor can explain exactly what is needed - it is not all about money or cash flow - many successful property investors started with nothing and did not use any of their own capital.

What is Property Mentor

Property Mentor is the UK’s leading training course provider with workshops and seminars running continuously the length and breadth of the country.

Visit Property Mentor

Property Mentor is lead by Matthew Lauchlan, a multi millionaire property developer that over the last few years has trained many individuals from varying backgrounds to profit from the property market using the exact same principles and techniques that he has.

The UK property investment scene is one of doom and gloom to the uninitiated, the media is continuously painting a picture of economic disaster led by the collapse of the housing market.

Best Time To Invest In Property

The experienced property investoris getting ready to pounce - just as with any other investment opportunity, typically stock and shares - the best time to invest is the price is falling and just starting to bottom.

Experts predict that by 2010, just over a year away at time of writing the housing market will gather pace again. The current conditions are lead by many factors, many unrelated to the true price of property.

Soon demand will outstrip supply forcing house prices up again. The current blip is of no surprise - many experts predicted.

If you want to ride the next property boom register for one of Property Mentors events.

Register For FREE Property Workshop

Rent Your Home to Solve Housing Worries

Want to move, but trapped by the credit crunch?

Renting out your home may be an interesting solution to investigate, if you want to keep moving up the property ladder. And it’s not a crazy as it might sound at first…

Currently we’ve got a property market with low property sales, but high rental prices. Which make a good combination for shrewd investors. This could be a perfect way of side-stepping the market log-jam and moving on - rent out your current home; let the tenants cover the mortage; and buy again.

If you bought your property more than 4 or 5 years ago, it’s likely that the rent you could earn on your home could more than cover your monthly mortgage costs, because rents are currently high. At the same time, property prices are dropping, so it makes no sense to sell your property at the moment. Unless you’re willing to risk the capital appreciation that might have accrued up till late last year.

A recent letting report from RICS shows new instructions at letting agents are at an all-time high; and estate agents noting an increase in new landlords letting their own homes.

How to Capitalise on the Rental Market

Here are a few things to consider before you become a landlord:

Firstly, you need to understand your market. If you’ve got a three-bedroom house, well-maintained and well-located for schools, you’re in a good postion for a family or corporate let. If, on the other hand, it needs some tidying up and it’s not to such a high standard, then you’re better offering it to a younger family or flat-sharing.

Speak to local estate agents, who would know your area , and know what kind of rental prices your property could realistically achieve.

Don’t go out and buy furniture for tenants. It’s likely they have their own. But if someone does come along who wants to rent it furnished, then be prepared for a small outlay. Be flexible in other ways – if you don’t have a power-shower, but a prospective tenant says he’ll commit for a year if you install one, consider it might be worth spending the £300 to secure them.

If a tenant is willing to commit, but at a slightly lower rate than you’ve set, again consider if it makes sense to let your property out at the lower price, rather than run the risk of going a full month without any income. If you’ve got several prospective tenants, this won’t be an issue.

A few more things to consider before renting out your property.

You’ll probably need to convert your existing residential mortgage into a buy-to-let mortgage. At the very least, check the terms of your mortgage, and place a call to your mortgage company to let them know your intentions to rent out your property.

You’ll probably need at least a 10% deposit saved up to place as a deposit on your new property since it’s hard, if not impossible, to find 100% or even 95% mortgages any more.

What’s the Downside?

You’ll need a legally binding contract drawn up. Although a bit of searching on the web will turn up numerous law firms who specialise in downloadable legal documents - including short-term assured tenancy agreements.

Recognise or find out your legal responsibilities - in terms of the safety of your home. Particularly things like gas appliances that require annual inspections and certification by a Corgi-approved technician. If you do let your property out furnished, or partially-furnished, the furniture must meet or exceed any current fire regulations; and any electrical appliances must be checked for safety.

In your calculations, you need to factor in any costs you might have to cover when the tenants leave - from a little bit of re-decorating, to repairing fixtures and fittings, to replacing carpets.

Understand thaere is a lot of uncertainty in the market. There seems to be a glut in tenants right now; with rental prices very high. As teh property market stabilises, this could change, meaning a drop in possible rental incomes, or less tenants looking to rent your property. So you need to consider your possibilites and ability to cover tow mortages for a few months if need be.

What’s your first step?

Talk to someone who has done this. Or someone who can really help and guide you through all the different things you need to consider. After all, it’s a bit more than just decorating your house in a neutral shade throughout.

There are a number of property investment seminars that are held throughout the UK, which you could attend to hear more about becoming a landlord, and to ask questions - to see if this could be a viable way for you to move up the property ladder.

Find Out if You Would Benefit from a Free Property Investment Seminar

Falling House Prices - Still a time to Profit

How Can You Profit From Property?

House prices are falling - as if you didn’t already know! But they haven’t fallen so fast for 18 years. The average house price has dropped a shade over 10% since this time last year. And according to Nationwide, the fall in house prices is actually accelerating. June saw a 0.9% fall; July fell by 1.5% and August saw a fall of 1.5%.

So is there still a means or a mechanism by which to profit in these uncertain times?

The housing market hasn’t looked so grim since 1990. But look at the peaks and profits we’ve had since then…

If you look historically, the property market has increased in value over the longer term. Of course there have been ups and downs in the market, but over the longer term, property has remained a pretty safe bet.

And as several estate agents are reporting, some interest is returning to the property markets, with a slight increase in viewings. Although they also say that the increased viewings have not necessarily yet translated into increased buyings.

So there is still a degree of caution across the different property and housing market sectors. Most experts agree that people are waiting to see how far (or how much further) the house prices are going to fall, before making any commitments.

The average house price, again according to Nationwide, is now £15,000 cheaper than a year ago.

On the other side of the coin, a number of mortgage lenders have announced they are going to cut the cost of fixed-rate mortgages, to encourage buyers to take action in the housing market.

So is there a way to profit from all this?

What’s the best way to buy into the property market and find your niche within property investment?
What’s the best way of finding your way around in this current market uncertainty?

One of the best ways is to get some expert advice. From someone - or a team of people - that have been through the ups and down of property investment and can guide you through the pitfalls, so you can learn firsthand from their mistakes.

Property Mentor is one such team. They are offering a free property investment seminar in different locations around the UK. Click here to find a location near you.

Find Out if You Could Benefit From a Free Property Investment Seminar

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