• How To Be A Landlord is out today!

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    Yes – my latest book, How To Be A Landlord, is out today! You can buy it here.

    Where my previous book The Complete Guide To Property Investment told you exactly how to form a strategy and buy the right property, How To Be A Landlord tells you what to do once you’ve bought it.

    How do you set it up so it’s a safe and desirable rental property? Where do you find tenants, and how do you make sure they’re the right tenants? How do you set the tenancy up so it’s legally compliant? What do you do about maintenance? What about increasing the rent, or asking tenants to leave?

    How To Be A Landlord covers all of this – and more. A lot more.

  • How to raise the money to invest in property

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    As suggested by the word “invest”, you need money to buy a property.

    That should be so obvious there’s no reason to take up valuable space on the internet by writing it. But – probably due to hazy pre-2006 memories and courses that sell the dream more than the reality – there are an amazing number of people who find it an unpleasant shock when I tell them they’ll need access to cash if they want to invest.

    The ability to generate cash is only getting more important as remortgaging becomes less appealing – so in this post, I have a quick run-through of the main ways to build that stash.

  • Mortgages for limited companies: what property investors need to know

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    For reasons I’ve covered extensively elsewhere (largely boiling down to “tax”), more and more investors are deciding to buy properties within a company.

    Many of these investors want to use a mortgage to buy the property – and this is where lots of confusion and misunderstandings kick in. While you’ll need a mortgage broker to take you through the finer points of what’s available, in this article I’ll set out the main “structural” issues that often confuse investors looking into this for the first time…

  • Are these terms in your tenancy agreement? Maybe they should be…

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    A tenancy agreement is both an important legal document and a “manual” for how a tenancy will run – setting out what each person should do in just about every situation you can imagine. Pretty important, then.

    All too often though, landlords will just download the first template they find on the internet and thrust it in front of the tenant to sign without reading it properly themselves. This is dangerous, and a wasted opportunity – because a well-drafted agreement can make your life easier in ways you can’t even imagine.

  • What determines rents and house prices?

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    When it comes to house prices and rent levels, everyone has an opinion. But given the number of column inches and dinner party conversations devoted to the subject, it’s surprising how little thought most people dedicate to why things are they way they are – and for evidence to support their assertions about what might happen next. Vague ideas about “not enough houses” and “greedy landlords” are often trotted out – and while both of those play some part, the true picture is a little more complicated.

  • Exit strategies for property investors

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    Being relatively young in terms of years (but definitely old at heart), I don’t give as much attention to exit strategies as I probably should.

    Because all being well, you’ll approach the Werther’s Originals phase of your life as the owner of a collection of properties that have given you great financial success – but then what?

    By “exit” in this context, I mean exiting the stage of being an active investor and turning your thoughts towards retirement. I’m going to assume that you’ve been buying properties with interest-only mortgages, because if you own your properties outright there’s really nothing to think about – you can just hold everything for the income until you shuffle off, then pass them on to a lucky relative/cattery. When there are mortgage balances involved though, the matter requires a bit more thought.