Property Magic Podcast

Life as a property investor would be far easier if there was one strategy that fitted for everyone, but different deals require different approaches. With this in mind, Simon presents a guide to determining which strategy could work best for the deal you're trying to close. KEY TAKEAWAYS Your chosen strategy will depend on two factors: what is happening in the property market at the time, and what you personally want to achieve. Due to the financial effects of the lockdown, many businesses no longer require their premises. This has led to a dramatic introduction of commercial properties onto the market. Due to the falling market, banks tend to lend less money because of the loss in value of property. This means that some sellers are more open to creative solutions. We should seek to bolster our financial life by looking to install multiple streams of income through different types of investments. This can shield us from damage if challenges arise. BEST MOMENTS 'The property market changes. Sometimes it's booming, sometimes it's coming down' 'After every boom there is always a bust' 'The property value that you pick will be based very much on what you're trying to achieve' 'The most important thing for all investors is to create multiple streams of income' VALUABLE RESOURCES If you would like to learn more about how you can use Purchase Lease Options you can join Simon for some Live online training by registering here: www.PLOTraining.com To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week's special episode, Simon shares one of the most invaluable secrets from his Property Magic training course - his 10-Step Process for raising private finance - thereby allowing you far greater freedom for investment even if your own funds run low. KEY TAKEAWAYS Investors can receive a far greater return on their money by investing. Letting it stagnate in a bank account provides little growth. You can sell your ideas and deals to investors this way. Make a list of all the people you know. Think about every group of people you know. Don't make assumptions about who might or might not have money. The people you assume to less well funded may know people who are. Explain that you are educating yourself. Don't argue with people when they question your knowledge. The best strategy is to agree, and also to reinforce that you are educating yourself because you want to be sure of success. The power questions you need to learn by heart are: How much are you currently making on your money in the bank? If we work together, how much interest would you like to earn? If I was able to pay that high rate of interest, how long would you like to earn that high return for? BEST MOMENTS 'Do all your personal contacts know that you're a property investor?' 'I help people who need to sell their property quickly and I help investors get a great return on their money' 'I want to make sure that I avoid the mistakes made by most amateurs' 'When you know what you're doing, investing in property is actually a very good thing to do' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Many feel that they are limited in their investment plans by lack of financing. But as Simon discusses in this week's show, if you do your best to find good deals, then it's far easier to find finance in the form of investors or joint-venture partners. KEY TAKEAWAYS Your investing destiny relies heavily on the people you surround yourself with. If no one in your circle has money for investing, then perhaps you need a new circle... Often those with money don't always have the time to go and find ways to invest. Therefore, you do have an attractive commodity - time! It's never been easier to raise your profile than it is these days. Social media, networking events, and referrals are a superb way of rapidly building your profile. Formulate and verbalise your unique offering. What can you offer to other people? Make an elevator pitch for yourself and refine it. It'll be a useful tool for those moments in which you're able to sell yourself. BEST MOMENTS 'I believe that this is all mind-set' 'If you get good at finding deals, it's much easier to find the money' 'Your environment has a really big impact on your beliefs' 'It's all about the follow-up' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Repayment mortgage, or interest-only mortgage? That's the question everyone has to consider when it comes to buying a property. The route you choose will depend on the strategy you're following. In this week's show, Simon talks you through the benefits of each, and discusses which strategies work best with both. KEY TAKEAWAYS The mortgage on your own home needs to be paid off by the time you retire. This is because when you retire, your lender will assume that your income will significantly drop. The equity in your own home is the means by which many start their investment journey. Many do not have savings, but they have grown equity over time. Always seek advice from an independent and unbiased advisor or broker, who has access to the full market, and who can help you to understand your best route. If you intend to refinance as the value goes up, ti may make much more sense to go the interest-only route, as it makes far more financial sense BEST MOMENTS 'You need to treat your own home differently from any of your investment properties' 'Try and make your fortune and retire early to enjoy the rest of your life while you're still young enough and fit enough to actually enjoy your retirement' 'Over time values go up!' 'Hopefully one day, the income you get from your property is more than the income you get from your job' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

The property investment world is all about increasing the value of our investments at all times. In this week's show, Simon talks you through the six main principles of making sure your property's value is always on the rise. KEY TAKEAWAYS Purchasing a new-build, or house to which no real improvements are necessary, can be attractive, but it also limits the potential value increase, and can tie up your deposit. Reconfiguring a property means you can add more rooms to a property, which in turn adds significant value. A larger room can easily be split into two, whether upstairs or downstairs. Freehold-to-Leasehold title splitting is a remarkable strategy that can add value by taking an already-converted property, splitting its title into separate parts, selling each part for more money. BEST MOMENTS 'This is the fastest way to grow your portfolio' 'This really is property magic' 'You are metaphorically cutting the cake up' VALUABLE RESOURCES If you would like to join Simon for some detailed training about the Freehold to leasehold Title Split strategy then register here now: www.titlesplittraining.co.uk For more information on Freehold-To-Leasehold strategies go to www.titlesplittraining.co.uk To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week's show Simon talks about the Chancellor's proposed changes to Capital Gains tax, which are being considered in order to help alleviate the strain put upon the economy by the COVID financial measures, and the impact that these changes could have upon you as a property investor. KEY TAKEAWAYS Capital Gains Tax (CGT) is the tax you pay when you have a property that isn't your own residence, and which is sold for a profit. This increase in value is taxable. You will have a Personal Capital Gains Tax Allowance each year, which is currently £12,300. If you have a partner, then you both get this allowance. Sometimes it can be far more financially viable to hang on to a property rather that sell it and pay CGT from the small remainder. The government are quite happy for you not to dispose of the asset during your life, as when you die, the Inheritance Tax your family will pay is far higher (40%). This is why it can actually be far more beneficial to never pay off your mortgage. BEST MOMENTS 'Taxes do change, and it's important for you to keep up to date' 'If you never sell a property, you never have to pay Capital Gains Tax' 'Do you really want to pay off your mortgage?' 'It's so important to get your head around the way tax works, as it may influence the way you invest' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Money comes from all over the world, so why should those outside of the UK be restricted in investing into one of the world's most valuable markets? In this show, Simon talks you through how you can invest from abroad, or use money from overseas, to build your portfolio of properties, and make the most of your UK-based property adventure! KEY TAKEAWAYS It's imperative that you have the right financial advice from someone who understand the local tax in your area of investment, It's also wise to be in contact with a mortgage broker there, as well as estate agents and property sourcers. The first step is to set up a UK company. You can buy a property in your own name, but this is very difficult in terms of finance and taxation. Make sure you have a valuable network of managers who can manage your property for you. Managing yourself is not a valuable use of your time, and will cost you far more in the long run. No one knows when the market will bottom out. It's always best to look at the deals you like and decide for yourself when time is right. Is it going to make you money? If the answer is yes, then pull the trigger - but don't wait too long! BEST MOMENTS 'I've actually purchased several properties that I've never actually visited' 'You need people on the ground that you can trust, and who can do a lot of the legwork for you' 'It's worth having a diversified portfolio. It's always good to spread your risk' 'Now is always a good time to invest' VALUABLE RESOURCES If you are an overseas investor and want to learn more about investing in the UK who not join Simon for some live online training here:www.PropertyInvestingInTheUK.co.uk To access the training mentioned in this show go to www.propertyinvestingintheuk.co.uk To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

This week, Simon discusses the second national lockdown for the United Kingdom, and how it could potentially affect you and your property investments, specifically the likelihood of what’s about to occur in the UK property market, what it means in terms of viewing and letting your properties, and what you can be doing to make the most of the situation, and remain positive! KEY TAKEAWAYS The major difference from the first lockdown is that the property market is still open during the second lockdown. Last time everything was closed, but this time solicitors and brokers are all working remotely. We can also perform property viewings with restrictions. Payment holidays might seem like a good idea, but they are noted, and can adversely affect decisions in the future. If you can pay your mortgage without requesting holidays, then do so! If you have equity in property that you’d like to release for future investment, it might be best to release it soon as it may dip in the near future. After every boom there is always a bust. Property prices have risen sharply in recent months, but the expectation is that there will be a deflation of that growth, which is a knock-on effect from the recession and the pandemic, but it’s not expected to be as bad as 2009. BEST MOMENTS ‘You’ve got to be really careful not to have a knee-jerk reaction’ ‘It’s really important to use our time wisely’ ‘Get your money ready!’ ’This is a huge opportunity for you if you are ready!' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In the wake of the COVID pandemic, many are wondering if student accommodation is still a viable sector for investors. In this week’s show, Simon talks about the types of student accommodation on the market, how the sector has been affected, and the opportunities that are still out there. KEY TAKEAWAYS There are three types of student accommodation: University-owned halls of residence/apartments Purpose-built student flats Private student houses/HMOs Purpose-built student accommodation cannot be repurposed. This represents a significant risk as there is no clear exit strategy if you decide to offload. If you have a child attending university, a better strategy might be to buy a house and rent it out as a HMO, meaning that their rent payments are essentially covered, as well as a significant portion of your mortgage costs. If there is a great deal of property choice in an area, it will lead students to be more discerning. Students love convenience, and so properties that are closer to amenities will always rent first. BEST MOMENTS ’The fact that there’s an oversupply means that there are real opportunities’ ‘Location is really, really important’ ‘You can turn this into a profit centre, rather than a cost centre for you’ ‘When I was a student, accommodation was very basic. That’s not the case now. Student accommodation has to be of a very high standard' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week’s show, Simon talks you through the best practices when it comes to property joint ventures, one of the most favoured ways of seeing property deals through. There are many benefits, but there are also some pitfalls, and in this episode, Simon lays out do’s and don'ts you need to watch for. KEY TAKEAWAYS A property joint venture is when two or more parties come together for mutual joint benefit. Typically, this happens when someone finds a property deal, but then must seek an investor to make it work. When you find a joint venture partner, ensure that you have visions, goals and values that align. You have to make sure that you can be in partnership for the long term. Make sure you set down your criteria at the beginning. Agreeing terms in case one of you wants to leave is essential to state at the outset. Consider whether JV (joint venture) is right. If you have the experience, and you can get a private loan, this can work out to be cheaper in the long run. BEST MOMENTS ‘Would you be happy if this person came to your home and dinner with you and your family?’ ’There’s always risk with any loan that you make’ ‘You need to think about the exit strategies you’ll use if either party wants to leave’ ‘I want you to realise just how much a JV is costing you' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi

In this week’s show, Simon talks about the ways in which you can use your own home in order to invest in property, and along the way pay off the mortgage on that home within eight to ten years! KEY TAKEAWAYS People think they can’t invest as they have no capital or savings. They are often missing the biggest asset they have - their home. Some people have equity, but don’t realise they can use it. Some people have equity, but don’t wantto use it. Some people know they have equity, but cannot access it. These are the people who need education about their options. Over the long term, property prices go up, and always eventually will. This is because we live in a country with a limited supply, and an increasing population. Eventually prices will always rise. With each investment property, the longer we hold them, the more they will increase in price. Our portfolios will eventually grow in equity, leading us towards financial freedom. BEST MOMENTS ‘We’re not taught these things in college or school or university’ ‘If you’re educating yourself, you can make sure you’re mitigating the risks as much as possible’ ’There is risk in everything you do, but there’s also a risk in doing nothing’ ’There’s always a creative way if you’re prepared to go the extra mile’ VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week’s show, Simon shares the ways in which you can use vendor finance, a creative way of funding investment deals using very little, or even none, of your own money, and which can result in huge profits for your sellers. KEY TAKEAWAYS Vendor finance usually means buying a property at full market value, but the seller themselves help to fund the deposit and any costs involved. You must find a motivated seller, who isn’t interested in a purchase lease option or similar, and who wants the property taken off their hands. Equity is vital, and ideally there should be no mortgage at all. Ideally, the interest you’ll pay to the seller on a monthly basis, should be less than the mortgage will cost you. You must also ensure that the property will have a strong cash-flow, so that you will be able to pay interest and make money for yourself at the same time. The core foundation of vendor finance is to investigate fully beforehand. Ask powerful, valuable questions and never make assumptions. It is a strategy that must work for both parties. BEST MOMENTS ‘You basically get a loan from the seller!’ ’By doing vendor finance, sellers can make a lot more money’ ’This is a way for us to give our seller more money’ ‘You need a seller who’s open to a creative solution' VALUABLE RESOURCES To access more free Creative Finance Strategies visit www.creativefinancetraining.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Can you really buy a property with no money? Do you always need a huge deposit in order to seal a deal? In this week’s show, Simon tells you the truth about creative finance, and the inventive ways in which you can invest in property without using large sums of your own money. KEY TAKEAWAYS It’s crucial to stop thinking about the number of deals you can do, or the size of the deals you can do, based on the financial resources you have. You need to alter your mind-set completely. The easiest way of jumping into property investment is to realise the potential we have at our fingertips. Often we have equity in properties, and we don’t realise it. Releasing equity can allow us to invest, and even lead to replacing our income. Even if you don’t have financial resources, motivation and time can be sufficient drivers to allow us access to the property ladder. When thinking about using other people’s money, the misconception is that you are somehow begging. Reframe these loans as opportunities for making money on both sides. BEST MOMENTS ’There are more creative ways in which you can buy money using none of your own money’ ‘Many people have equity, but they don’t realise that they can use it’ ‘You don’t know what you don’t know’ ‘If you educate yourself, then you minimise risks and maximise your return' VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Finding motivated sellers is the key to maximising your property deals, but they’re not always easy to locate. In today’s show, Simon talks you through the ways in which you can employ localised marketing in order to better discern these crucial sellers from everyone else. KEY TAKEAWAYS Going straight to the sellers allows you to expedite the sale, and also cuts out the estate agent, thereby saving your seller even more money. Leaflets are useful and effective as they can be well-targeted. You can be very specific about the area in which they’re delivered, even down to the individual houses. But it must be done in volume. Wording on leaflets is crucial. By establishing your credibility and intent, you create a powerful way of making people reach out to you. Asking someone to call instead of contact you digitally, is a way of ensuring that appointments can be firmly made, and that contact has been established. It also prevents them from looking into your competitors. BEST MOMENTS ’If someone wants to sell, then the fact they know you’ve just bought one means you’re definitely a buyer' ’This works well for you, and it works really well for your seller’ ‘Don’t send them to your competitors!’ ‘Just doing it for the money may not be the best reason' VALUABLE RESOURCES Click in this link to gain access to a simple leaflet template: www.BMVLeaflets.co.uk To learn more about the 10 lessons from Property Magic Live, you can register at www.PropertyMagicLessons.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ Click in this link to gain access to a simple leaflet template: www.BMVLeaflets.co.uk

Over 500 people attended the recent online Property Magic Live event, learning from the best in the business, and gaining a new perspective, and whole new set of strategies in the process. In today’s show, Simon shares the ten most valuable lessons learned from this incredible event. KEY TAKEAWAYS Although there is a mini-boom in the property market right now, due to the pent up demand from lockdown and the seasonal variations, don’t get lulled into a false sense of security. The market is being predicted to fall. Return On Investment (ROI) is calculated by taking the annual profit, divide it by the initial investment required to secure the property. Multiply this number by 100 to give you a percentage. The higher the percentage, the better the deal. Expand your thinking by learning from other people. taking guidance from those who have walked the path before us can give you motivation and inspiration when you need it the most. By aiming high for the future, we embolden our present selves. If you’re not embarrassed by who you were twelve months ago, you’ve not grown enough. BEST MOMENTS ‘Mind-set is so critically important if you want to be successful in property or life’ ’No great achievement was ever made by thinking small’ ‘Dream big, think big, and step up to the next level’ ’The bigger the future, the better the present’ VALUABLE RESOURCES To learn more about the 10 lessons from Property Magic Live, you can register at www.PropertyMagicLessons.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

To mark the milestone fiftieth episode of The Property Magic Podcast, Simon is taking you through a very special set of secrets behind the life-changing results achieved by delegates on Simon's Property Mastermind Programme. KEY TAKEAWAYS We always look for sellers, not the property. The secret is to find the motivated sellers who are far more flexible on price and terms in order to get a better deal for yourself. Look for ethical win-wins. We are not out to take advantage of people. Acting in a negative way will only harm your brand going forward. The best strategy is to gain knowledge of all strategies, and discerning the correct one for you at the time. Knowledge and judgment are everything. One in three sales fall through. Don’t be afraid to follow up on deals that didn’t work out. If a sale has fallen through, they may be more receptive now. BEST MOMENTS ‘If you follow these principles, I guarantee you that you’ll achieve better results in your property investing’ ‘It’s not just about the deals you’ve done, but the deals you’ve not done!’ ‘If you need help, it’s about sticking your hand up and asking for it’ ‘Ask great questions and listen to the answers' VALUABLE RESOURCES To find out more about the Property Mastermind Programme, you can register to join Simon on a webinar to find out everything you need to know. Register here now: www.DiscoverPropertyMastermind.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Many think that the only way of making money through property is to “flip” - the practice of buying a property, improving it, and then selling it on at a profit. But as Simon discusses in this week’s show, there might be a better alternative, depending on your outlook. KEY TAKEAWAYS If you flip a property in your name, the profits made are subject to income tax. If you rent it out first, and then sell it in the future, you pay capital gains tax, which is markedly different. The three main factors that will affect your profits when flipping a property are: How much did you buy the property for in the first place? How much have you spent on refurbishment? What is the end value of the property when you come to sell? When working out your figures, you should always aim to make around 20% profit on any investment. By accurately planning for this, you can better set budgets for buying and for refurbishment. To continually make money, you must use the profits from your flip to invest in another property. When you stop flipping, you stop making money. It’s a wonderful way to make money in the short term. Rental properties are an incredible way of making continual profits through property. It is a form of passive income that works best for incremental, long term investment. BEST MOMENTS ‘It’s not just about making money. You also need to make sure that you keep your money’ ‘When you sell a property, you crystallise your profit’ ’The decisions you make right now are based upon the knowledge and experience you have at the time’ ’Sometimes you just need the money for something else' VALUABLE RESOURCES To find out more about The Property Magic Challenge visit www.propertymagicchallenge.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Once you understand the Maximum Achievement Model, your investment strategy will be dramatically energised in ways you can hardly imagine. It’s a system that Simon has been teaching to his students for many years, and this week, he shares the model with you! KEY TAKEAWAYS There are three basic elements to the Maximum Achievement Model: Specialist Knowledge Mindset Support Specialist Knowledge - This allows us to apply strategies much more swiftly. There will always be strategies and techniques that you can’t learn through simple trial and error. Mindset - this can be split into three areas (ABC): A - Attitude B - Belief C - Courage Support - By associating with likeminded investors, we can not only receive inspiration, but a boost when we feel demoralised. Building a network is crucial and incredibly powerful. BEST MOMENTS ‘If you’re trying to learn something that’s new, you need to learn what to do’ ‘You don’t know what you don’t know’ ‘When you gain knowledge, it gives you clarity and confidence’ ‘Investing on your own can be a very lonely journey' VALUABLE RESOURCES To find out more about The Property Magic Challenge visit www.propertymagicchallenge.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

ROI (Return On Investment) is a formula designed to help you ensure that you’re using your money in the wisest way possible, yet many investors don’t know about it. In this week’s show, Simon talks you through the formula itself, as well as five ways in which you can make sure you’re maximising your moneymaking potential. KEY TAKEAWAYS The key to maximising your ROI is to either increase the profit you’re making, or by minimising the money you put in or leave in the deal. Look at the rental incomes you have, and negotiate regularly in order to maximise the money coming in. If they are good tenants, remember to reflect this. You can increase the income from your HMO portfolio by simply making sure that your properties are of a higher standard than others. People will pay more for quality. Vendor finance is a creative financing method that can be difficult to achieve these days, but there are bridging companies who will understand and help if there is enough equity. BEST MOMENTS ‘Working out ROI enables you to compare one investment with a different one’ ’Management is another cost where maybe you can make some savings' ‘As long as there’s enough equity there, they’re happy if you don’t put the money in’ VALUABLE RESOURCES To find out more about The Property Magic Challenge visit www.propertymagicchallenge.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week’s show, Simon dispels some of the myths surrounding deal sourcing, answers some of the main questions he hears about the subject, and how you can make money by finding deals to sell on to others! KEY TAKEAWAYS Deal sourcing isn’t just the art of selling a deal on. It’s the art of finding those deals in the first place. Being able to find those deals in the first place is far less common among investors than many believe. We only have so much capacity when it comes to making deals. Therefore, if we find something viable, but can’t take it on, we can still earn money by selling it on. If you plan to sell deals on to other people, you must make sure that you are a Compliant Deal Sourcer. Join the TPO (The Property Ombudsman) or the Property Redress Scheme (PRS). Any disputes can be resolved through these organisations. Property network meetings are a marvellous place to meet investors who have money to spend, but who don’t particularly know where to start. BEST MOMENTS ‘As investors we should all be looking for great deals’ ‘Don’t be worried about paying people fees. There’s nothing wrong with that’ ’Selling to people around you is probably the best place to start' ‘I’d much rather pay someone else to do that for me' VALUABLE RESOURCES Learn more about successful deal sourcing and packing here : www.dealfindertraining.co.uk Property Magic Book Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Download the property investors network APP here: iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ Learn more about successful deal sourcing and packing here : www.dealfindertraining.co.uk

In this week’s show, Simon tells you how to have profitable conversations with estate agents, how to position yourself in order to be taken more seriously, how to get the best deals, and how to make low offers without losing credibility. KEY TAKEAWAYS Estate agents should be a very fine source of deals, but their view of property investors may well be influenced by poor interactions in the past. It’s up to you to prove that you’re not a time waster. Framing your conversation well will create an empowered situation. By making your estate agent feel like the expert, you empower them to talk more openly. If you are investing with capital at the ready, and if you have the means to progress with a purchase, then there’s no harm in showing this proof to an estate agent. It’ll help them to realise that you’re serious. When ascertaining the renovation and improvement costs with the agent, always ensure that they are the ones totalling the costs as you talk. This will give them a much better sense of what you can spend, and the potential costs to you. BEST MOMENTS ‘If you go in with the wrong approach, you might get put in the same basket as all those who aren’t very good’ ‘Estate agents think they know everything about property’ ‘If you do this, it gives you so much more credibility’ ‘You want this renovation bill to be as much as possible' VALUABLE RESOURCES You can access Simon's free pdf report "The 5 questions to ask Estate Agents to get them to bring deals to you" here: www.EstateAgentQuestions.com Simon Book Property Magic Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Check out the property investors network App iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Simon’s property journey has spanned the last 25 years, which has seen him accumulate a lifetime’s worth of knowledge along the way. But there are eight lessons that stand out as the most invaluable, and this week Simon shares them with you. KEY TAKEAWAYS Motivated sellers are an entirely different breed of seller. They require a different strategy, but can often net buyers huge rewards. Make sure you buy in an area with strong rental demand. When tenants move out, you should have someone else lined up to move in. You can make money in the short term, but always look to make each investment a long term prospect. Long term is where the real wealth lies. Let your team do their job, but make sure you check in regularly. You need to fine tune the alignment from time to time, to make sure your values are being upheld. BEST MOMENTS ‘I realised just how powerful property investment can be’ ‘I can’t tell you just how valuable networking is as a way to learn from other people’ ‘You don’t know what you don’t know’ ‘My biggest regret is treating investing like a hobby' VALUABLE RESOURCES Property Magic Book: Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Check out the property investors network App iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

With much uncertainty at the moment, Simon discusses how to best predict what’s coming in property, how to spot market trends and ascertain their impact, and how to pick the right moment to invest for maximum returns! KEY TAKEAWAYS The population is definitely on the increase. If you look at the supply of properties per person, there isn’t enough building going on to keep up with the population growth. Converting commercial properties to residential will almost certainly start to address this. Invest in areas where the population is growing much faster than the national average. Rents and property prices in that area will grow exponentially due to lack of supply. Personal income is often far less important to lenders than the income you generate from owning and operating properties. Sophisticated investors know that when prices are coming down, it’s the perfect time to buy. When they are on the decrease, motivated sellers will be more receptive to further discounts. BEST MOMENTS ’The property market, like every other market, is cyclical’ ‘You do need to look at the long term trend here’ ‘When the market’s going up, sellers will be less flexible on the price’ ‘Holding for the long term makes real sense' VALUABLE RESOURCES Property Magic Book Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Check out the property investors network App iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

After spending a huge amount of time in meeting and helping property investors, Simon has identified the four main hurdles, or blockers, that people run up against on their property journey. In this week’s show, Simon takes each, one-by-one, and tells you how you can overcome them or avoid them altogether. KEY TAKEAWAYS The lack of relevant knowledge - When you’re new to property, you may feel like you need to know everything before you can do anything. But it’s not true. Learn as you go, and accumulate your knowledge as you progress. Misinformation and false beliefs - Be careful who you listen to. Take your guidance from people with a proven track of success. Ask for specialist advice from specialists in that area. A good reason why - People give up when they don’t see instant success. Property isn’t a get-rich-quick scheme. It requires time and effort, which can only be truly rewarded if you have a strong reason for why you’re doing it. Choosing the best strategy - Focus on finding motivated sellers. This allows for flexibility on price and terms. By giving yourself the space required, you can then choose the best strategy to close the deal. BEST MOMENTS ’You learn through the experience of actually doing it!’ ‘Accept that you won’t know everything - that you will make some mistakes. That’s how you learn’ ‘If someone else has done it, that means that it’s actually possible’ ‘If you have a good deal then you really don’t need your own money’ VALUABLE RESOURCES To find out more about The Property Magic Challenge visit www.propertymagicchallenge.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

As part of the economic recovery package outlined by the Chancellor, Rishi Sunak, property buyers are being given a stamp duty holiday in England and Wales of up to £500,000 until the 31st March, 2021. In this week’s show, Simon talks about what this payment holiday could mean for you, as well as more on government intervention and legislation, and why changes are now being made. KEY TAKEAWAYS SDLT (Stamp Duty Land Tax) Relief For Multiple Dwellings comes into effect when you buy more than one dwelling where a transaction include freehold or leasehold interests in more than one dwelling. Councils adopt Article 4 in order to reduce the number of HMOs in any given area. But it has had the opposite effect in many places, and can be easily circumvented through differing strategies. If you have an HMO, you may or may not need a licence (where applicable), due to new requirements. This has meant that there is a sudden influx of over 125,000 rental properties in need of a licence. Many owners are selling as a result. BEST MOMENTS ’This is completely free money for the government for doing absolutely nothing’ ‘It’s an example of legislation that doesn’t always achieve what it’s meant to achieve’ ’This is actually a huge opportunity for us!’ ‘You’ve got make sure you understand these things, to avoid mistakes' VALUABLE RESOURCES If you’d like to access free online training with Simon about Purchase Lease Options, then please register at www.PLOtraining.com Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Finding a motivated seller is often a wonderful opportunity to pay less and get more, meaning you can get a much higher return on your investment. But it’s also a very good way in which to make sure that everyone can achieve a win-win without feeling as though they’ve been taken advantage of. In this week’s show, Simon talks you through the benefits of making sure that all your deals are ethical ones, and how acting with your seller’s best interests at heart can sometimes yield you even more money than you thought! KEY TAKEAWAYS For a motivated seller, the speed and certainty of the deal is far more important than the amount they manage to sell for. Trust and faith in the buyer plays a huge part in moving the needle when it comes to motivated sellers. Sometimes this faith can be more important than more money. Building a relationship with your seller will reveal what’s important to them. Money is not always the driving force behind a sale. Purchase lease options can be a useful strategy with motivated sellers, who sometimes aren’t trying to get to the equity, but trying to offload the property because they no longer want the responsibility. BEST MOMENTS ‘If you approach investing with a genuine desire to help other people, then you do more deals and make more money!’ ‘If you help people and give them what they want, then they’re far more likely to give you what you want’ ‘A great way to get people to open up is to ask - “How can I help you?”’ ‘We can actually give that seller more money, so long as they’re willing to wait...' VALUABLE RESOURCES If you’d like to access free online training with Simon about Purchase Lease Options, then please register at www.PLOtraining.com Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Purchase Options and Purchase Lease Options are powerful strategies for any property entrepreneur, but remain some of the most misunderstood methods out there. In this week’s show, Simon discusses the benefits of both, and busts the many myths surrounding them. KEY TAKEAWAYS A Purchase Option is when you have an agreement with a property owner, in which you have the right to buy that property at an agreed price, within the option period. A Purchase Lease Option is largely the same, but includes the right for you to be able to use the property during the option period, in exchange for a monthly fee to the property owner. The property does not need to be in negative equity for these strategies to work. There can be a multitude of reasons why a property owner might allow a purchase option. Purchase option strategies will not appeal to owners who wish to release equity quickly. They should only be used for owners who do not need fast access to cash. BEST MOMENTS ’These strategies give you control and flexibility’ ’This is a game-changer for people who understand this strategy’ ‘We can give the owner of the property a better alternative than just selling it now’ ‘You can get cashflow and equity growth on a property you don’t even own!' VALUABLE RESOURCES If you’d like to access free online training with Simon about Purchase Lease Options, then please register at www.PLOtraining.com Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Many property investors and developers will come across large properties that would work well if split into a number of smaller units, but sometimes the cost and process can be prohibitive. In this week’s show, Simon explains an advanced strategy known as 'Freehold to Leasehold Title Split’, which can allow you to do that very thing, but in a far easier way. KEY TAKEAWAYS Look instead for properties that have already had the conversion work done. You must make sure that the property is a freehold property, and that none of the leaseholds have yet been created. You don’t necessarily need to know every strategy under the sun. It’s far better to know the strategy that works for you and your chosen area, and stick to it. By assigning leases to each of the split units, we increase the potential selling price of each unit. Often the leases are not created by the original landlord. Leaseholders pay a ground rent, plus service charges, to the freeholder. If you are the freeholder, you essentially create another revenue stream for yourself each year, or you could sell the freehold as an entirely different entity. BEST MOMENTS ‘Keep on repeating the strategy that works for you like a cookie-cutter, and you can make a lot of money’ ‘You’re buying something, you’re splitting it up, thus increasing the value’ ’Now that is what I call property magic!’ ‘Find the finance and do the deal!' VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Believe it or not, there are 22 crucial questions that a potential investor needs to ask a property seller, but hardly any of us ever actually do. In this week’s show, Simon talks you through all 22, so that you’ll be better able to recognise the real deals when they appear, and avoid the hidden pitfalls along the way... KEY TAKEAWAYS Open questions are vital when talking to sellers. You need to get them to talk! Remember to listen attentively and tailor your responses accordingly. Discovering when a seller bought a property will give you a valuable indication of the kind of capital growth they’ve accumulated since their purchase. This makes bargaining a whole lot easier. It’s important for you to understand the tenants you may be inheriting when you buy the property. The contracts they’ve agreed may well impact the plans you have for the property. Timescales can give you a far greater insight into the seller’s motivations. It can also provide you with a much better footing when it comes to negotiations. An ethical win-win solution all round is what you’re seeking. By asking how you can make the seller happy, while spending the least amount of money, you ensure a balanced, satisfactory outcome for both parties. BEST MOMENTS ‘It’s really important never to make assumptions’ ’The key is to ask a question, and then really listen to the answer’ ‘You really need to understand what you’re taking on’ ‘What’s the lowest you will accept… and still be happy?' Property Magic Book Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi Come and try pin meetings as our guest To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Can you drastically accelerate your investing results and save years of time? What is the crucial difference between training, mentoring and coaching? Where can you find the essential guidance that will super-charge your property journey? In this week’s show, Simon lays out an invaluable set of guidelines that can help you to step-change your investing success immediately! KEY TAKEAWAYS At the start of any property journey, all you have is your common sense and a will to succeed. It’s perfectly possible to win success without training, but you can get there faster if you get some training! The best self-investments are the ones that ensure you have some “skin in the game”. Actual investment alters your psychological attachment to a piece of advice. When selecting a mentor or coach, you must find someone who has successfully completed the journey that you wish to embark upon, and crucially, someone who is still keeping their knowledge up to date. Your education should always come risk-free. Does the mentor that you’ve selected offer a way in which you can investigate them without risk? The best ones always do. BEST MOMENTS ’The best investment you can make is in yourself' ’The very best real-estate investment you can make, is in the eight inches between your two ears' ‘Would you rather take 8 years, or 8 months?’ ‘I’ve become very good at simplifying concepts, and making them easy to understand' VALUABLE RESOURCES To find out about you local property investors network (pin) meeting visitwww.pinmeeting.co.ukUse voucher code: "Podcast" to save £20 on your first meeting. To find out about Simon's 3 day Mastermind Accelerator visit www.MastermindAccelerator.co.uk To find out about the 12 months Property Mastermind mentoring visitwww.PropertyMastermind.co.uk If you would like to book a consultation call with one of Simon's team to find out more about any of the training and support Simon provides, then book your appointment here: www.property-mastermind.co.uk/Help Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

This week, Simon shares six simple, practical ways in which you super-charge your investment plans today. From simple decision making, to making sure you’re educated effectively, these six pointers will guide you swiftly towards the finish line! KEY TAKEAWAYS Make a decision - sometimes it’s a simple as making a commitment to yourself and to your strategy. Don’t waste time. Time is your most valuable resource. Remember that you can always earn more money, but you can’t ever earn back the time you waste. Make sure you have your finance ready. Not having the correct funds in place can hamper your enthusiasm for looking for deals in the first place. Build your network. Your network is your net-worth. By surrounding yourself with valuable voices, you’ll come across lucrative deals far more often. BEST MOMENTS ‘I didn’t realise how profitable and beneficial that would be!’ ‘Making mistakes is a very expensive way to learn’ ‘If you have an open mind, then you can always improve and become better’ ‘If you get good at finding great deals, then there are people out there who will work with you' VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In the second part of his look at the rent-to-rent property strategy, Simon talks about how much you should be paying to a landlord, how best to convince them to engage with your proposed strategy, and which contracts you need to have in place! KEY TAKEAWAYS Always ensure that the profit you’re making is enough to cover your costs, and still make it worth your while. The rule of thumb is to make at least £100 profit per room. A cash buffer is crucial. All landlords experience unexpected void periods from time to time, so ensure you have enough to see you through these times. When approaching a landlord, don’t enquire about the potential rent their property can make, but how much it is currently Contracts are essential, and need to be drawn up by solicitors who know what they’re doing. These contracts will generally be either commercial leases or a management agreement. BEST MOMENTS ‘In the right circumstances, rent-to-rent can be a very powerful cashflow generator’ ‘You only ever buy a property in an area with strong rental demand’ ‘Remember that this is a numbers game’ ‘Rent-to-rent is a bit like the wild west at the moment' VALUABLE RESOURCES To access some free online training about Rent to Rent register for free at www.RentToRentCourse.co.uk To access Simon’s online training course, go to www.HMOcourse.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week’s show, Simon provides an introduction to one of the most discussed, yet most invaluable property strategies: rent-to-rent. Simon walks you through the best ways in which to make rent-to-rent work for you, the advantages and disadvantages involved, and how to find the best rent-to-rent deals out there. KEY TAKEAWAYS Rent-to-rent involves finding a property owner with a rental property, renting it from them for a fixed sum each month, and then letting out the property in your own way. Minimal investment is required. Contracts and legal documents are the main expense, but minor refurbishment may also be necessary. It’s important to note that this strategy provides profit in the short-term, but because you don’t own the property, you will not benefit from long-term capital growth. Look for landlords advertising their properties, or rooms in their properties on sites such as Gumtree. Networking events, also, are a great places to meet landlords who may be disillusioned by their portfolio. BEST MOMENTS ’This has been one of the fastest ways for people to replace their income’ ‘Rent-to-rent is a great way for you to test the market’ ‘Whatever you put into a property, you want to make sure you get that back in profit within the first year’ ’There’s no point taking on a property if you’re not making enough profit from it' VALUABLE RESOURCES To access some free online training about Rent to Rent register for free at www.RentToRentCourse.co.uk To access Simon’s online training course, go to www.HMOcourse.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20) iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

One of the biggest barriers for many property investors is money! Some feel that they don’t have enough, while others are anxious about running low. In actual fact, there’s plenty of money out there waiting to be invested. It’s all about unlocking these cash reserves from potential investors and partners, and the best way of doing so is to raise your personal profile in order to become noticed, and in this week’s show, Simon tells you exactly how to do it. KEY TAKEAWAYS Do the people in your life know what it is that you do, and how you do it? You should be telling everyone, and in as much detail as possible. Build your social presence relentlessly. Never mind what negative people say, that’s what the ‘Unfriend’ button is for. Social media is a fantastic way to boost your profile and find investors. Facebook and LinkedIn tend to promote posts that have a larger engagement. When you post there, consider the ways in which you can make your audience interact. It’s always worth talking to, and emulating, those who have built successful networks. Even a financial outlay can save you masses of time, and is well worth the investment. BEST MOMENTS ‘It’s really important for you to get out of your own way’ ‘It’s none of your business what other people think about you’ ‘I invest money to save my time’ ‘If you are the best kept secret, no one is going to approach you' VALUABLE RESOURCES To access Simon’s online training course, go to www.HMOcourse.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi If you would like to learn more about instagram marketing then register for the free training here. www.InstagramSecrets.co.uk To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Many think that the fastest way to make money in property is to acquire, refurbish and then sell on. But as Simon discusses this week, there might be a more powerful strategy available to you; one that will allow you to recycle the cash you already have invested, and which uses momentum to super-charge your portfolio in no time. KEY TAKEAWAYS Equipping yourself with as much education as possible from the outset will ensure that you have a wealth of strategies to call upon when for each opportunity. Often, people make the mistake of not factoring in long-term capital growth when deciding upon the fate of a property that’s up and running. Momentum investing is the art of discovering a motivated seller, obtaining their property for a discount, and then re-mortgaging within months so as to release the investment capital for future ventures. Rather than simply putting money into a property and leaving it there, you can force the appreciation through creative thinking and strategies. BEST MOMENTS ‘You make your decisions based on the knowledge you have at the time’ ‘We want to hold property long-term’ ‘Letting time work its magic is a great strategy’ VALUABLE RESOURCES To access Simon’s online training course, go to www.HMOcourse.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Planning and licensing are very different entities, but far too often investors seem to confuse them when it comes to projects. In this week’s show, Simon lays out a simple-to-follow guide to both areas, that will ensure your knowledge is up-to-date, and prevent you from making costly mistakes! KEY TAKEAWAYS In October 2018, licensing requirements changed. Any property with five or more tenants now requires a license. For more guidance speak to the HMO licensing department of your local council. A National Landlord Association accreditation course can provide an exhaustive course on all landlord responsibilities, as well as mean a discount on your council license fee. Minimum room sizes also play a part in whether your property requires a license. Some councils have interpreted this in their own way, so check with the relevant department. Planning permission is always required for properties containing seven or more people, as you will be changing the identity of the building into a “class of its own” If you need planning, seek the HMO department of your council and ask them if Article 4 is in effect, and when it came in. This can spark a gold rush in some areas among investors. BEST MOMENTS ’Some see this as a revenue-generating exercise. It’s not supposed to be that’ ‘Once you understand it, it’s actually a very straightforward process’ ‘Councils don’t like lots of HMOs in concentrated areas. They call it student-ification’ ‘You can make very expensive mistakes just by not educating yourself' VALUABLE RESOURCES To access Simon’s online training course, go to www.HMOcourse.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this week’s show, Simon offers one of his favourite strategies for those looking to insulate themselves against a prospective recession. It’s a method that provides any property investor with the quickest way towards replacing their income. By following Simon’s expert guidance, you’ll be making profits almost immediately! KEY TAKEAWAYS Houses Of Multiple Occupation (HMO) consist of a property where three or more unrelated people share some of the facilities, but retain autonomy over their own specific areas. The magic number for any HMO is six people in a property, and a good, well-run HMO, should always be netting you around £1000 in profit every month. It’s wise to learn the ins-and-outs of how property management works, but the end game should always be to become hands-off. Once you’re making enough profit, give the task of property management to a specialist and reduce your workload significantly. HMOs are the ideal accommodation for those who may be looking to tighten their belts due to the effects of the quarantine, or the expected future recession. If your property is of a better standard than those in your local area, you’ll never have problems in renting it out. People are visual creatures and are drawn to well-designed, well-equipped habitats, so do the work! BEST MOMENTS ’This is a great way to put a safety net in place’ ‘It’s not easy, and it takes time. But it’s far less effort than working for the rest of your life’ ‘When times get tough, there’s always a huge demand for these types of properties’ ’The key is to find the great properties, and then educate yourself about how to manage them' VALUABLE RESOURCES To access Simon’s online training course, go to www.HMOcourse.co.uk Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

One of the greatest lessons Simon’s learned during his journey as a property investor is that you need to adapt your strategy depending on the market at the time. If anything, the recent situation in the world has shown us how vital it is to be able to pivot depending on the conditions out there. In this week’s show, Simon talks through the importance of adapting your strategy, when you need to do it, and most importantly, how! KEY TAKEAWAYS When purchasing a property through auction, we must be devoid of emotional connection. Set a target, and if the price exceeds that target, then stop bidding. Beginning with one strategy at the beginning of his journey, Simon soon learned the value in expanding his knowledge, and subsequently his arsenal of strategies, allowing him to engage in multiple deals at once. Markets sometimes collapse, meaning whole avenues of revenue are suddenly closed. It’s vital to have several pathways to investment to fall back on in these cases. Don’t be afraid to strengthen your portfolio by selling low revenue-generating properties and re-investing the money in higher revenue-generating ones. In times of financial trouble, people will always want to save money. Cohabiting is ideal for this, as the costs are lower, so HMOs might be an effective strategy if recession hits. BEST MOMENTS ‘You don’t know what you don’t know’ ‘Recognise that change is going to happen’ ‘By selling one property a year, you could make £24,000 of tax-free income!’ ’Some of the most successful businesses in the world were created in times of recession’ VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

Opportunity really is everywhere, even in the challenging situation we’re facing today. Things may seem bleak, but by developing a positive mind-set we can always find ways to succeed in the face of diversity. It all begins with changing the way you think. It starts with recognising an opportunity when you see it, and being brave enough to take it. KEY TAKEAWAYS The foundation of a healthy mind-set is to keep positive. There are opportunities in every situation, even the bad ones. Remember that there are no mistakes, only lessons. Remember that any time you currently find yourself with can be put to amazing use by developing ourselves in incredible, empowering ways. The way we conduct ourselves during this time of crisis will have far-reaching effects in the future. Our business acumen will be a deciding factor in deals to come when this is all over. Could your SA property be repurposed as isolation units? Could your HMO provide a far more cost-effective form of accommodation to single-renters? Look for the re-purposing opportunities within your portfolios Now’s a great time to be talking to estate agents. Build those relationships. We’re about to see a huge wave of properties come on to the market at low prices. This could be the time to add to your portfolio in a huge way. BEST MOMENTS ‘When you make a permanent decision, make sure you you’re not being influenced by temporary situations’ ‘Rather than look at doom and gloom, think about how we can move forward here' ’Think about the property you’ve got, and how that can be repurposed’ ‘We need to adapt. We need to adjust’ ‘Property positivity is crucial for your sanity right now!' VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi Download the pin meeting App here: iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHODS: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this episode of The Property Magic Podcast, Simon Zutshi talks us through the BEST ways of staying productive and focused whilst you are working from home in lockdown. Simon outlines how we can still maintain our work/life balance, how we can avoid distractions and how we can still go out for a coffee with our co-workers without even leaving the house! If you implement all the tips and strategies that Simon gives you, you WILL become more productive and learn to embrace working from home! Learn to set deadlines and create a strict routine to maximise your effectiveness. VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi Download the pin meeting App here: iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 ABOUT THE HOST Welcome to the Property Magic podcast. In this podcast, Simon Zutshi will deep dive into the property investing strategies and investor mindset from his book, Property Magic. Simon will also share Real Estate Investing hints, tips and tricks, which he normally only shares on his Property Mastermind Mentorship. Introducing your Host, Simon Zutshi. Property investing since 1995, financially independent at the age of 32, Author of Best Seller “Property Magic” and Founder of the property investors network (pin), the original and largest network Invest with Knowledge, Invest with skill Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi Lindkedin:https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

COVID-19 has thrust a whole new set of challenges upon the world, and so to address this properly, Simon has temporarily elected to talk not about property investment strategies, but how you can protect yourself in the face of upcoming challenges. In this week’s show, he talks you through how to deal with such instant issues as what to do if your tenants can’t afford to pay rent, how to deal with the sharp impact on serviced accommodation, and where to find the positive opportunities right now. KEY TAKEAWAYS The fear being alongside the virus itself, is actually more contagious and worrying than the illness. People are terrified, and are having their fears compounded by the escalating hysteria on social media and news reports. By focusing on what we can do, rather than what we can’t do. The most important thing to do immediately is adjust that mind-set and focus on productive solutions and positivity. One of the best ways of ensuring you stick to social-distancing regulations is to act as though you already have the virus. Work remotely when possible, and be responsible for not making the problem any worse. As a landlord, check in with your tenants, work with them to find a way through any monetary difficulties they may be experiencing. There are rent reliefs out there for both you and your tenants. Make sure you’re both up to speed on current government legislation. Ensure your mortgage payments are still made, but do remember that the government and mortgage companies have made allowances, including reliefs for buy-to-let mortgages. If you need a payment holiday, then make sure your mortgage company are kept informed. This is providing a valuable lesson in diversification. Many people have all their eggs in one basket, and a huge takeaway from this experience is that we need to spread our interests, so as to ensure our robustness in times of crisis. Try to repurpose your serviced accommodation properties whenever you can. SAs can be easily turned into HMOs. The profits might dip slightly, but it’ll be another form of income The importance of a cash buffer has never been so critical. Even if it’s an overdraft or credit facility, get one in place. Stay out of it whenever possible, but do use it if the situation becomes difficult. BEST MOMENTS ‘Fear is false expectations appearing real’ ‘It’s really important that we work with people’ ‘Co-operate and see if there’s some sort of win-win’ ‘Always have a cash buffer’ ‘Fix your oxygen mask before you help other people' VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi Download the pin meeting app here: iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook:http://www.facebook.com/OfficialSimonZutshi LinkedIn:https://www.linkedin.com/in/simonzutshi/ YouTube:https://www.youtube.com/SimonZutshiOfficial Twitter:https://twitter.com/simonzutshi Instagram:https://www.instagram.com/simonzutshi/

Have you got what it takes to be a truly successful investor? Simon has been teaching people how to become successful investors since 2003 and knows exactly what it takes, in this episode he shares the characteristics that make the difference and explains why they are important for anyone who wants to be a successful property investor. With extensive expertise and experience in the property arena, Simon’s 8 characteristics are those proven to make a positive difference, having already successfully been used by those in the Property Investor’s Network (pin) nationwide, listen in and learn more. KEY TAKEAWAYS A strong reason ‘why’ – It all starts with this; your motivation may be focused on looking after your family ensuring financial security for the future. Commit to your success– You need to decide what you want and focus in this until you reach and achieve success. A positive attitude– You must be someone who is looking for a solution in any situation. Your mindset is vital and your beliefs can support or limit you. your beliefs are formed from your experience and knowledge. Have an open mind– You need to be perpetually curious and always eager to learn more.The more you invest in yourself the more successful you will become. Understand the importance of being a lifelong learner and you will continually move forward. Trust the process– Trust those who have travelled the path before you. There is a clear path that can be followed step by step if you learn from someone who is already successful and complete their proven plan. Be prepared to put in time and effort– It doesn’t need to be full time but if you put time and effort into property you will be rewarded more than anything else you’ve done before because in property you can work once and get paid forever. Be persistent– Many people begin with a strategy but give up just before they succeed. It’s vital that you continue with your chosen strategy if it isn’t working seek advice from someone who is already successful with the strategy. Be prepared to meet and work with other people– Look for like-minded people to cooperate and collaborate with. Interaction with others is a vital part of being a successful property investor. BEST MOMENTS ‘Everyone supports each other in the pin mastermind that’s why it’s so successful’ ‘If you have an open mind you are teachable’ ‘You need to be a solution-focused thinker’ ‘Make a commitment and take action’ VALUABLE RESOURCES Property Magic Podcast Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi property investor’s network (pin) -www.pinmeeting.co.uk iPhone: http://bit.ly/pinAPP1 Androidhttps://bit.ly/pinAPP2 www.dealfindertraining.co.uk Property Magic Book website ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook:http://www.facebook.com/OfficialSimonZutshi LinkedIn:https://www.linkedin.com/in/simonzutshi/ YouTube:https://www.youtube.com/SimonZutshiOfficial Twitter:https://twitter.com/simonzutshi Instagram:https://www.instagram.com/simonzutshi/

Having the right mindset is the most important thing you need if you want to be a successful property investor. Anyone can acquire the necessary knowledge, investment capital, and even the correct network, if they apply themselves to doing so. Mindset is something you have to actively develop for yourself, and by doing so, you can amplify and multiply your potential for success. In this week’s show, Simon talks you through some practical steps that’ll improve and perfect your property millionaire mindset, and allow you to begin enjoying success much sooner. KEY TAKEAWAYS Simon’s ABC Of Mindset: A - Attitude - It’s about having a positive, can-do attitude. Be solution-focussed. B - Belief - You have to believe in what’s possible. Believe in what you can do. Your belief will shape your journey. C - Courage - The ability and will, to be able to step outside of your comfort zone. Challenges and problems come from every direction in life, but instead of choosing to be beaten by them, we should look for the positives in each situation. There will always be upsides. Those with a healthy mindset find it effortless to find them. Belief can be nurtured by looking at the people you aspire to in property. How did they achieve their goals? How did their own belief get them there? Confidence is a natural trait that comes through self-belief. Courage is a resource we call upon when we are not in our comfort zone. It is the inner strength we utilise in order to see us through a challenge. Simon’s 7-Step Programme towards developing and improving your property millionaire mindset: Remove negative influences Fill your head with positivity on a daily basis Change your physical state/environment Use positive affirmations Recognise every gift you have in life (appreciation and gratitude) Surround yourself with supportive, positive people Be inspired by people who are more successful than you If someone has achieved the success that you want to achieve, then it means that the success you’re looking for is out there. Be inspired by the fact that the journey you’re on is achievable. BEST MOMENTS ‘Always look for the positive’ ’Sh*t is also fertiliser, and fertiliser can help you grow’ ‘If you think you can or you think you can’t you’re absolutely right’ ‘It’s about taking action every day’ ’That’s true - it is risky and you can lose money. Bu that’s why you’re educating yourself!’ ‘It’s impossible to be a state of gratitude, and to feel depressed at the same time’ ’The more I invest in myself, the more successful I become’ VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi Download the pin meeting App here: iPhone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 PIN Meeting - www.pinmeeting.co.uk (Use ZUTSHI as your voucher code to get your first meeting for free) ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook:http://www.facebook.com/OfficialSimonZutshi LinkedIn:https://www.linkedin.com/in/simonzutshi/ YouTube:https://www.youtube.com/SimonZutshiOfficial Twitter:https://twitter.com/simonzutshi Instagram:https://www.instagram.com/simonzutshi/

As a successful property entrepreneur Simon is often asked what his preference is and why when considering commercial versus residential property investment. In this episode, Simon shares the differences, for a property investor, between purchasing residential and commercial properties and the processes any investor needs to understand. He shares some great advice based on his extensive experience and expertise as an investor on which is the best area to begin in if you are new to property investment and how you can extend your portfolio if you understand the processes and are able to work creatively with opportunities. There is great advice that will help investors who are at the start and those who are further on in their property investment journey, along with a very special offer, listen in and hear more. KEY TAKEAWAYS For most people, residential property is the best place to start property investing because everyone understands what’s required in a residential property. Commercial property investing usually requires more money, although there are creative ways to invest in commercial property with low money down. It is vital that you understand, as an investor, that commercial property is more vulnerable to changes in the economy, whereas we always need places to live. You can buy commercial property within your pension. Your business then rents from your pension putting money into your personal pension fund. As a business owner if you invest in premises that can also be used by other companies then your business can be in the property for free. With the right deal, commercial property can be very profitable. With commercial rental, you are renting out the shell of the building and the tenant takes responsibility for the internal fitting. As a commercial property landlord, you have more rights than a residential property landlord. In commercial property, you can significantly increase the value of the property by increasing the rental income Commercial and residential property are valued in different ways Residential is based on ‘bricks and mortar’ valuations, where like for like are compared. With commercial it’s based on the rental income; the size and structure of buildings can be similar but if one has a higher rental income it has a higher value. There are more mixed commercial and residential property coming to market. You can work successfully with commercial properties if you understand the process and are able to work creatively with the opportunities. BEST MOMENTS ‘I bought a number of care homes and then converted them into apartments and sold them on the open market’ ‘When you get it, right commercial can be far more passive as an income than residential investment’ ‘He spent 20 dollars on a property to increase the value by 2 million dollars’ VALUABLE RESOURCES Property Magic Podcast Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi property investor’s network (pin) - www.pinmeeting.co.uk Download the pin meeting app here: iPhone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Learn more about deal sourcing here: www.dealfindertraining.co.uk Learn more about comercial proeprty investing here: www.commercialpropertycourse.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this very special episode, Simon tells you why and how you should be investing in properties that aren’t in your area, and even properties in another country. He’ll go into detail about his own experiences in doing this, why and when you should be investing away, how to use property deal sourcers to help you, and how to find effective sourcers who know what they’re doing. For those looking to expand their interests and broaden the scale of their property empire, this is the show for you! KEY TAKEAWAYS Investing in the areas you know is always the best step initially, You have local knowledge of quality, price and other factors that can help you determine the best deals to go for. When thinking about buying outside of your area, you need to take a few things into consideration: You need to make sure you have hold of a good deal in the first place You need to think about the ongoing management and maintenance of the property When you buy a property overseas, you do have to put your faith in agents and sourcers. They need to have your best interests at heart, and unfortunately that isn’t always the case. If you’re based in the UK, then Simon strongly recommends investing here as there’s so much in the way of opportunity. The best and main reason for looking outside of the country is for a lifestyle reason. If, for instance, you are looking to retire to a certain acountry in the future, this would be a good reason to invest in that country now. The best reasons to invest in the UK are: It’s a hugely popular and attractive place to live The tax breaks and health system appeal to people around the world The values of property, and the rent on properties, tends to rise without too much risk Anybody can invest here The best way of investing remotely, whether in the Uk or elsewhere, is to find and connect with, good property deal sourcers that have your interests at heart. The most effective ways of performing due diligence on your prospective deal sourcers are: Ask them if they are fully compliant. If they don’t know what this means, walk away! Make sure you understand how they work, specifically their terms and conditions Make sure you never ever pay a fee to a sourcer upfront! The first payment to them should be a reservation fee upon them finding a deal that you like Be sure that you know your ideal deal, and they are filling that criteria The seller of the property that you want is likely motivated. Speed and certainty are hugely crucial factors to them. Make sure you can move quickly. BEST MOMENTS ‘It really does make sense to start where you live or work’ ‘I was encouraged about investing overseas’ ’Some important words here are “good deal sourcer”' ‘You need to understand what you are getting for the money that you are paying to them’ ’Never ever pay a sourcing agent an upfront fee!’ ‘If you don’t know what makes a good deal, then you won’t recognise it when it arrives’ VALUABLE RESOURCES · Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi · property investor’s network (pin) - www.pinmeeting.co.uk iphone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 www.pinmeeting.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

‘Many of my students successfully sell deals and I’ve taught them how to do it properly’ In this informative episode, Simon explains how to package and sell on deals to other investors. When you get good at finding deals you will find more than you can actually do yourself and this means you can start selling the ones you don’t want and generate a substantial income. Just because they are not right for you doesn’t mean they are not great deals; they are just not right for your strategy. Those who are successful as deal packagers are the people who do it properly and understand all aspects of packaging the deal well and being compliant, Simon provides step by step advice and guidance on how this should be done, listen in and find out how. KEY TAKEAWAYS Why sell deals? They may not fit your strategy, be outside of your investing area, Too big or too small for you or you have too many deals currently. Just because they are not right for you doesn’t mean they are not great deals. When you are actively sourcing deals you will be building your credibility. By packaging deals, other investors can see that you have expertise and knowledge about property and they may then seek you out to work with you in the future. Who buys deals? People who have money to invest but don’t know how or where to find great deals. To want to buy from you they have to know that you package deals so building your profile is vital. Build good relationships with people, connecting through events such as the monthly Property Investor Network (pin) meetings and large national 3-day events such as Strategy Implementation Live and Property Magic Live where you can gain access to structured networking groups. In these groups, you will be able to connect and network with the people you want to work with. Being compliant If you are only sourcing deals for yourself there are no regulatory requirements. If you are sourcing deals for other people you need to make sure you are a fully compliant deal sourcer. By selling deals onto other people you act in the same way as an estate agent. In the UK there are no qualifications required to be an estate agent but you must be registered with an ombudsman such as the TPO or the PRS these are independent bodies who will act as arbitrators in case of a disagreement between those involved. You should have public indemnity insurance, as this will cover any situations where someone may look to sue you. You need to be registered with the information commissioner because you are holding the data of buyers and sellers you will also need to be aware of and comply with GDPR. You must register with HMRC if you are holding deposits for investor and conduct anti-money laundering checks for whoever you are working with. BEST MOMENTS ‘Once you have established people to work with you can potentially extend your investors through their friends’ ‘They have to believe you can find better deals than they can and they have to trust you’ ‘They’ve got to know of you and that you package and sell deals – you can raise your profile through networking, social media’ VALUABLE RESOURCES Property Magic Podcast Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi property investor’s network (pin) - www.pinmeeting.co.uk Download the pin meeting App here: iPhone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Learn more about successful deal packing here : www.dealfindertraining.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial

What makes a great deal? What should you be looking for? Simon answers both these questions and more in this episode packed with value and content for anyone who is in property investment. It’s vital that you have clarity about your strategy and understand what type of properties you are looking for and where they are located so that you can buy properties that will help you to develop your investment strategy. Finding a great deal depends on you knowing the area you want to buy in, understanding what a motivates a seller and how to work out if it’s a good deal for you. If you find a great deal you’ll need to be able to move quickly because if you don’t someone else will so identifying your buying criteria is vital, listen in and find out everything you need to know about how to find a great deal that will work for you. KEY TAKEAWAYS Instant Equity - Buying from a motivated seller at a discount means that on day one there is instant equity in the property and you immediately have a buffer against a drop-in market prices. Rental demand - Only buy a property in an area where there is strong rental demand. Positive cash flow - Only buy a property with positive cash flow, there must be a profit each month. Add value – can you add value to the property? It may be an older property that requires work completed. If you can add value you can force the appreciation of the property. Low money down - A great deal is low money down or no money left in the property and strategies such as purchase lease options and rent to rent don’t require a lot of money upfront but will give you good cash flow. High return on investment - this is the amount a property makes every year compared with the initial investment. Having any one of these elements will mean you potentially have a great deal. What’s your strategy and what sort of properties do you need to develop that strategy? What type of property do you need to source and what is the location that is suitable for the clients you want to attract You need to know how much rental income the property will generate so you can work out the cash flow. Learn what the average price is in the area you want to buy – this means you will be able to quickly identify properties that come to market priced competitively. You will potentially find more deals than you are able to complete yourself providing a great opportunity to sell deals to other investors for a fee. BEST MOMENTS ‘You should always do your due diligence but remember successful people are decisive’ ‘Get clarity on your strategy’ ‘If other investors are achieving it then it’s possible’ VALUABLE RESOURCES Property Magic Podcast Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi property investor’s network (pin) - www.pinmeeting.co.uk iPhone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 www.dealfindertraining.co.uk ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/

In this episode Simon explains in detail exactly how to negotiate a great price on your next property investment and shares the one question, you must ask, that will save you thousands off of every property purchase moving forward. Every negotiation is a series of steps and Simon shares exactly what you should be doing and saying at every point in the process to make sure you get what you want. As a potential buyer, you are in a really strong position – the seller wants to sell their property and is motivated to do so, but you don’t need to buy this particular property for you there are always others, you are only interested in buying if it’s a great deal that works for you. Listen in and find out exactly what questions you should be asking and how to negotiate the deals that will save you thousands of pounds moving forward. KEY TAKEAWAYS The Preparation What do you want to pay, What’s the best scenario for you? What would be the worst-case scenario you would be happy to accept? At what point would you walk away? Price is not the only factor - you can negotiate on terms as well, such as when they receive the money from the transaction. Options include purchase lease, exchange with delayed completion and staged payments. Once you are clear on what would work for you, you need to know what would work for the seller. The majority of sellers want to maximise their price but motivated sellers want speed and certainty and sometimes they will take a lower price because the price isn’t as important to them as actually getting the deal done. It’s really important to build rapport with the seller because when there is trust, they are more likely to tell you what’s important to them. The offer You need to mentally prepare because there is a balance between wanting to make money and achieving an ethical win, win for all involved. Ask the seller ‘what’s the lowest price you would be prepared to take and still be happy ?’ if you have built rapport this makes people really think. Make an offer on every property you view. This is good practice and helps you work out what properties are worth to you. When you have decided on your offer take off 10% - this will mean it’s a very low offer – they will probably say no but you’ve given yourself space to negotiate a price that works for you. Once you have made your offer – you need them to respond before you say anything else, the silence can psychologically provide you with the advantage. The Follow up This is where many investment buyers fail. When the seller comes back and says no – the question you must then ask is ‘what would work for you?’ and remember sellers become more motivated with time. You need to proactively follow up, this is one of the easiest things to do but many fail to do this. Many investors rely on the agent or the seller coming back to them but you should develop a daily habit of following up on every offer you have made. When you start to really engage in the negotiation process and you will pay less for the properties you are investing in moving forward BEST MOMENTS ‘It’s important to never make assumptions about what they want’ Many investors rely on the agent or the seller coming back to them ‘You want to get a good deal but you don’t want to push it too hard’ ‘What can you afford? What’s the maximum you want to pay’ VALUABLE RESOURCES · Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi · property investor’s network (pin) - www.pinmeeting.co.uk iPhone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Never Split The Difference - book by Chris Voss ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Faceb

We all know it’s a good idea to diversify your investments but this needs to be balanced by focusing on one investment strategy at a time to avoid being distracted by ‘shiny pennies’ Simon has developed a hugely successful personal investing strategy and shares in this episode how he’s been able to successfully diversify his assets over the last 25 years. There is now so much information available it can be overwhelming for new property investors and the shiny penny syndrome can be a challenge – hearing about a strategy, beginning to implement it then hearing about a different strategy that sounds exciting, more profitable and easier so you drop the first strategy in favour of the new one and this becomes a repeating pattern. The result is no strategy is properly understood or implemented and you never achieve the results you deserve. Listen in and find out about how Simon has. achieved his phenomenal success and how you can take action and begin your journey KEY TAKEAWAYS The main asset classes are: Property Stock market Business You should mastermind one strategy before you diversify into another. There are opportunities to diversify within a particular strategy to spread the risk. Once you have mastered the asset class of property you should consider being involved in one of the other classes. Property Once my property portfolio was cash flowing, giving me more than enough to cover my living expenses I’ve had the time and freedom to do what I want to do. Property investing is a vehicle to gain the income needed to allow you to spend the time doing what you really want to do. What would you do? How would you spend your time? It’s important to have clarity on this and hold it as your vision because this will motivate you to take action and build your portfolio and income. Business When I looked to diversify, as an entrepreneur I looked for an opportunity to solve a problem through providing a solution this led me to create an online platform that facilitates loans between property professionals and everyday investors. The platform is an FCA regulated business that is now a multi-million-pound business that I’m not that involved in. I have a great team running it and growing it for me. Stocks I diversified into stocks effectively through a system that only requires a few minutes of my time each day The ‘Jeremy method’ is a strategy that when implemented means you can make between 1 and 1.5% per month, accumulating to 12-15% per year and only spend 5 minutes of your time each day to achieve it. BEST MOMENTS ‘You must always check to make sure the company has a great product or service and that there is a good-sized market, that people need and want the product and service’ ‘I like to invest in businesses where I can also offer guidance, expertise and mentorship and ideally, the ability for me to publicise that business though my extensive network’ ‘When you have the income, it is very liberating to decide how you spend your time’ VALUABLE RESOURCES Find out more about Serviced Accommodation with YPN’s TOTAL SA monthly, online mentorship. Details here: http://bit.ly/TOTALSA Find out how to gain 12% to 18% p.a by investing in the stock market in just 5 minutes a day. Details here http://bit.ly/JeremyTraining Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi property investor’s network (pin) - www.pinmeeting.co.uk Download the pin meeting App here: iPhone: http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 www.jeremymethod.com Crowd Property website ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk. pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn:

Being a landlord can be tough sometimes. The wrong tenant can give you endless headaches, including non-payment of rent. And how can you make the most of those times in which your properties are left standing empty? In this episode, Simon gives you some great advice about how to attract a better quality of tenant, effective ways of finding those elusive tenants, the process you need to follow when you find one, and the ways in which you should pursue a tenant who owes you money, even years after they’ve moved out. KEY TAKEAWAYS Especially when you’re starting out, managing the property yourself might seem like the best option. Property Manager fees can make a huge dent in your nascent profits. You may feel as though you can provide a better service to your tenants than an already busy Property Manager can. You may feel as though you want every opportunity to get to know your tenants. If you are hoping to found a property empire, then you can often spend more time managing them than looking for new ones. In this case, it’s advisable to get yourself a good property manager. Making sure your properties are full at all times, is a fundamental keystone of a successful property concern. Empty rooms and empty houses is literally money down the drain. Paid adverts for your properties on websites usually have a more prominent position. Free ads slip down the listings very quickly. Once a prospective tenant gets in touch, make sure you respond to them rapidly. It’s likely that they will be looking at multiple options, and another landlord may beat you to it if you take too much time to respond. Current tenants are usually a great way of finding out if anyone in the area is looking for a rental. This can be especially useful if someone is moving out. A simple query will often result in the name of a friend looking to rent, or someone in search of an upgraded form of accommodation. Letting agents and local employers are often a good source of potential tenants. Incentives can be offered in the form of a finder’s fee. Arranging viewing with tenants is often time-consuming, so make sure you use your time effectively. A text on the day is useful in determining if the tenant is still interested, and can save you much time if they are not planning on attending. Your time is valuable. Tenants on a viewing should be asked to bring along their most recent wage slip, proof of address, National Insurance Number and form of photographic ID. This will save you both lots of time. There’s no point in taking a property off the market if the tenant can’t afford it, or they’re not who they say they are! Asking for a guarantor at the initial stages will be invaluable in the future in case your tenant fails to keep up with payments to you. A guarantor should ideally own their own property, which can be used as an incentive to make sure you get paid. A How To Rent Guide should be provided to your tenant when they movie in. This can be downloaded from gov.uk and provides them with a complete guide to the legalities of their tenancy with you. Other essential materials that need to be provided by you are a copy of the Energy Performance Certificate, a Gas Safety Certificate and a copy of your HMO Licence (where applicable). A Right To Rent agreement must be signed by your tenant. They must also be made aware of the inventory of the property. Another useful resource at this juncture is the National Landlords Association, which can provide accreditation for you. In the event of non-payment, Simon advises the following procedure: On the day of the non-payment, a simple text to advise that payment has not yet been paid. The day afterwards, alert your tenant to your previous communication. After seven days, a letter to advise that rent is now overdue and must be paid. After fourteen days, another letter to advise that rent is now overdue and must be paid. After twenty-one days, a further letter to advise that rent is now overdue and must be paid. After two months of arrears, it becomes possible for you to pursue payment through legal means. Removing a tenant from your property can be difficult. Try to work with them, but if this isn’t possible, use a solicitor, who will be well versed in due process. Claims can be sought through the Money Claim Online service. This allows you six years to claim the monies owed to you. So long as you have their name and National Insurance Number, you can track them down, perhaps in the future when they have more to lose by not paying you. The best way of reducing the void periods between tenants, is always to be a good landlord, first and foremost. One of the main reasons for people moving on, is that they are not being taken care of by their landlord. BEST MOMENTS ’The more properties you have, the more and more time managing them takes’ ‘Very often, people like the idea of bringing someone they know into the property, rather than a stranger’ ‘Most people are lazy. If they see your property and it’s right for the