Wealth Made Simple Podcast

One of the most powerful yet underused strategies in property investing is the Lease Option, a methodology that can give you income from a property before you even take ownership. In this episode, Shaz explains how to use this as a strategy, and also discusses why deal sourcing might be an alternative, viable way to raise cash for your business. KEY TAKEAWAYS Finding a viable deal and packaging it as a product to sell to an investor, is a fantastic way of raising cash. You can charge a fee for the packaged deal and even take a commission on what is earned. A lease option means that you agree to take on the costs of a property on behalf of a landlord, with a fixed term set during which you can purchase the property for a set price. This means that you can essentially rent out the property at a profit and enjoy the capital gain on the property. The stronger your network is, the better the deals you'll find. It allows you to get to know the players in the game alongside you, and make crucial connections that will allow you to pull the trigger on any deal that comes your way. BEST MOMENTS 'Deal sourcing is a good way to get started' 'It's a nice entry way for somebody to get into property' 'This is a fantastic learning curve. You learn about what works and what doesn't work' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz discusses commercial conversions as a property investing strategy - everything from why he favours this particular way of investing, to its strict definition and how to make the most of it. KEY TAKEAWAYS Everyone assumes that you need a large cash reserve to get started in property, but this isn't the case, You can find investors and use other people's money. Commercial conversions are where someone buys a commercial property with permitted development rights, or goes through the planning process, and turns the site into a residential one. One of the main benefits of a commercial conversion is that it makes full use of a site that may have fallen into disrepair and now takes up valuable space in a town. BEST MOMENTS 'I love how varied CCs are' 'They all come with their own challenges and enjoyments' 'To bring a building back to life is a really good thing' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz continues his deep dive conversation on the subjects of flipping properties, the Buy-Refurbish-Rent-Refinance-Repeat methodology, and how Rent-To-Rent investments really work. KEY TAKEAWAYS When investors have more confidence, they could opt for a HMO strategy, in which a larger house is split into several separate units, connected by a communal area. Serviced accommodation is one of the strategies used by seasoned investors who wish to earn more money, and who don't mind putting in more time. There are different tax benefits and consequences for trading and investment properties. Always consult a professional who may be able to save you money, or make you money! Making mistakes in property is natural. Remember that there is no such thing as failure, only lessons that you learn faster and harder. BEST MOMENTS 'Most people can't get their head around trading and investment for tax purposes' 'Renting to more individuals gives you more cashflow' 'You are going to make mistakes - no bones about it' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz deep dives into the many strategies used in property investment, such as Buy-To-Let, HMOs (Houses Of Multiple Occupation) and Serviced Accommodation, along with many more. KEY TAKEAWAYS Many people believe that the only route into property is a vanilla one - buying a house, living in it and maybe renting it out. Buying to own or buying to let is where research stops in general. Property is recognised as the most reliable investment strategy due to its stability, robust forecast outcomes and historic proof of growth. Stamp Duty Land Tax is a renowned charge upon the homes you buy. With investment property it's good to be aware that there is an additional 3% on the whole lot. Property investors are sometimes seen as miserly and money-driven. Nightmare tales of landlords are sensationalised and spread, increasing the bad image. But most landlords are wise, resourceful and good people who see their investments as a necessary business, and act on behalf of their tenants at all times. BEST MOMENTS 'I've been looking at sixteen potential strategies you could implement!' 'Property is one of the most popular investment strategies' 'I've seen people do things that are creative and different' 'Landlords don't set the price of their properties - the market does' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz is joined by Kevin Wheelan from WealthBuilders, to talk about SSAS (Small Self Administered Pension Schemes) - how they work, and why it might be a game changer in terms of investing for you. you can find more information from Kevin and his team https://wealthbuilders.co.uk/wealthmadesimple KEY TAKEAWAYS A small self-administered scheme is a type of occupational pension that’s managed independently by a company’s directors. Like most defined contribution schemes, the employer and/or its members pay contributions, which are all eligible for tax relief. Members can start withdrawing benefits from the age of 55 in the standard way, with the same option of taking 25% as a tax-free lump sum. SSAS pensions are sometimes also known as ‘family pensions’. This is because non-employee family members can join, and the SSAS can also hold assets in trust and pay benefits to families long after the original members have passed. BEST MOMENTS 'This is a game changer' 'A pension is something you put into a box and do not disturb' 'Pensions are a dark art' VALUABLE RESOURCES [email protected] https://wealthbuilders.co.uk/wealthmadesimple ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Everyone's story is unique, and in this episode, Shaz talks about his personal route into property investing, and why it's the most viable and reliable investment sector out there. KEY TAKEAWAYS As an accountant, Shaz was easily able to identify that his most lucratively successful client base were the ones with property portfolios. Even if the market is against you, if you hold on for long enough, history has demonstrated that property is always robust and always grows in the long term. The way to build a robust fortune is to focus on one strategy that works for you and gain mastery over it. BEST MOMENTS 'I learned one kick 50,000 times' 'Success leaves clues' 'Property always comes around in the cycle' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

The show takes a deep dive into SPVs, with Shaz explaining what the term means, our options when it comes to moving money and transferring wealth, and why companies opt to use this measure. KEY TAKEAWAYS A special purpose vehicle, also called a special purpose entity (SPE), is a subsidiary created by a parent company to isolate financial risk. The legal status as a separate company makes its obligations secure even if the parent company goes bankrupt. The operations of the SPV are limited to the acquisition and financing of specific assets. The separate company structure serves as a method of isolating the risks of these activities. BEST MOMENTS 'The first thing s bank manager would ask for is security' 'Whether we charge interest or not, it doesn't matter' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains what a SMART company is, how trusts are involved, and how they can help when it comes to factors such as inheritance tax. KEY TAKEAWAYS SMART is a term used by a particular firm to describe a company with other companies involved - the building of a trust. You need different classes of shares to provide more flexibility in terms of income, create rights to income, and to create voting rights. BEST MOMENTS 'You have a company, and you have a company beneath' 'You have different classes of shares' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Live from one of his spellbinding events, Shaz answers a pertinent and important question about the differences between HMOs and SAs when it comes to capital allowances. KEY TAKEAWAYS When it comes to serviced accommodation, for all expenditure that you incur, you can reclaim quickly for anything that is fixed to the building that is not an inherent part of the building itself. Negotiate with your seller when it comes to capital allowances. You have two bites at the cherry: when you first purchase a property, and then when you refurbish the property. BEST MOMENTS 'For serviced accommodation it is well worth doing!' 'Find out if the previous person has claimed for any capital allowances' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

In this episode, Shaz explains the VAT rates and implications when doing a commercial conversion, and how you can and should remain compliant at all times. KEY TAKEAWAYS When doing a commercial conversion, the VAT rate is 5% whether increasing the number of units, decreasing them, or converting a property that has been empty for more than two years. If you sell a property, you can claim back the VAT, but if you hold onto it, you cannot do this due to the fact that you will be selling a service BEST MOMENTS 'If you're increasing the number of units, you pay 5% on the increase' 'Reclaim every month because it will give you a c ash advantage' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz deep dives into the commercial conversion strategy - everything from how long the process should take, to the regulations and expectations involved in what can be one of the most lucrative forms of property investment strategy. KEY TAKEAWAYS A commercial conversion is the purchase of a formerly commercial property, and its conversion into a set of residential properties, either increasing or decreasing the number units within. Eighteen months is a sensible time period to aim for when it comes to converting a commercial building into a residential one. Always be prepared to face a number of regulations, designed to ensure compliancy at every level from governmental departments, including planning. BEST MOMENTS 'You're in the hands of the Gods, as they say' 'Buying, designing, building, renting out' 'It always takes longer, always costs you more' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Property investing can be one of the most satisfying and most lucrative forms of business - so why then do some fail? In this episode, Shaz breaks down the main reasons why some investors don't make the cut. KEY TAKEAWAYS A small contingent of investors make huge sums of money, most find themselves just about making ends meet, while another group fail completely. Those who succeed are generally in possession of information, guidance and education, so that they can best take advantage of opportunities and situations when the moment is right. People fail because they don't do enough research. They don't learn enough about the art of investing and fail to see the complexity involved. BEST MOMENTS 'The ones who are doing well have a good, strong, established business' 'You've got to know what works and what doesn't work' 'Property is not a get-rich-quick scheme' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

In property, you always have to make sure that the numbers add up or a deal might not be worth doing. In this episode, Shaz talks you through rental yield, the first factor you should take into consideration before pulling the trigger on a deal. KEY TAKEAWAYS Rental yield is a term used by landlords all the time, but many do not realise what it really means. The gross rental yield of a property is the annual income expressed through a percentage of the property's purchase price or value. The calculation is as follows: Annual Rental Income divided by the property's value - this is your gross rental yield. BEST MOMENTS 'Numbers are very important in any business' 'Rental yield offers a useful overview of whether a property is likely to be profitable or not' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz discusses two new important changes to tax regulations, including Option To Tax and the new VAT penalty regime, which may cost you dearly. KEY TAKEAWAYS An Option To Tax is when somebody brings a commercial property into the VAT regime, meaning that the costs of refurbishment can be claimed back from HMRC. From the 1st February 2023, HMRC implemented changes . The first change is that HMRC will stop issuing OTT notification receipt letters. BEST MOMENTS 'They opt to tax for the property, which means they ask HMRC for the costs of the refurb' 'Make sure that you pay on time!' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz talks about the many tax benefits and disadvantages offered when conducting business through either an investment business and a trading business. KEY TAKEAWAYS An investment business is where you buy an asset and rent it out or get some form of income from it. Buy to let is investment, whereas commercial conversion is trading. Deal packaging comes under a trading business, and so is serviced accommodation. The government does not incentivise people to become investors, and so the tax benefits do not work in your favour. BEST MOMENTS 'Buying a property, holding onto it, renting it out - that is investment' 'The government does not incentivise people to become investors' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains the multifaceted agreements that should be in place between shareholders when varying types of businesses are founded and developed. KEY TAKEAWAYS When two parties have a partnership, the LLP files a tax return but each party pays their respective tax bills. You pay individually. In March or April of 2024, full disclosure must be made at Companies House, meaning that true transparency may be seen by all BEST MOMENTS 'Corporation tax rates are different to personal tax rates' 'That's why they keep personal tax rates higher' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz talks about different ways to structure a property investing business, with a focus on limited companies, and why you need to know all about them. KEY TAKEAWAYS When a limited company is formed, it appears at Companies House so that transparency can be sought. If secrecy is preferable then a limited company may not be right for you. Requirements of a limited company include directors, at least one shareholder. The director and shareholder tend to be the same person. BEST MOMENTS 'If being secretive is important to you then you don't want a limited company' 'The number one benefit of a limited company is you are not personally liable for the debts' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Coming to you specially from a live seminar, in which he answered the burning questions of an audience, Shaz talks about alphabet class shares - how to distribute them, and what they mean. KEY TAKEAWAYS Whatever the ratio of ordinary share capital you own, your dividend has to be in line with this - IE: 51% shares of £100,000 means you receive £51,000. Alphabet shares mean that you can distribute share dividends in a different way. Percentages of A Class shares and B Class shares can be divided up between shareholders. BEST MOMENTS 'You can have different classes of shares for different people' 'You have to have ordinary share capital' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

In this episode, Shaz shares eight important tips you ought to know about as a first time buyer, that'll get you on the property ladder in no time at all. KEY TAKEAWAYS Look at the ideal home you want, and plan to buy it at some point in the future. As a first time buyer, the home you want, isn't necessarily the one you can afford at the beginning. Property investing is a journey. Each purchase and sale is a step on the ladder, and each step takes you higher towards the property you want to end up in. The higher the deposit, the better your chance of getting lending from a bank, as there will be less risk for them. Live within your means and stop stretching yourself so thin when it comes to income. Saving money and refraining from going into debt will help you in the long term. BEST MOMENTS 'Work your way towards something you can afford' 'A bigger deposit means the bank has less exposure. They'll be willing to give you better rates' 'Think carefully about what you can afford' 'Always live within your means' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

What is the difference between a trading holding company and an investment holding company? In this episode, Shaz talks you through the answer to this question. KEY TAKEAWAYS A holding company is a limited company including individuals that are shareholders. They may have different companies for different reasons so as to keep their interests separate. An investment company is where you are buying property and holding onto it. There can be many reasons for this. BEST MOMENTS 'They want to do property transactions' 'This basically then becomes your holding company structure' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains Land Remediation Relief, including when it is applicable, how it can benefit you, and the regulations you need to watch out for. KEY TAKEAWAYS You only get land remediation relief if you are buying a property through a limited company, and if it is going to be a trading business and not an investment business. If you are an investment business, you cannot claim this relief. It also cannot be claimed if you buy in your own name. BEST MOMENTS 'If I get a discount to buy this property, then I cannot get land remediation relief' 'It has to be a limited company, and it has to be some form of a trading entity' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz talks about capital allowance pools and how they work, with a focus on capital allowance and property investing. KEY TAKEAWAYS You can claim less than 18% of your plant and machinery pool, but you may not exceed 18% when claiming. If you don't create a taxable loss, then numbers may be reduced the following year, so it's always wise to claim the full amount where possible. BEST MOMENTS 'The rate is determined by the government' 'You create a taxable loss and carry it forward' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

With serviced accommodation becoming one of the most popular property investing types, Shaz tells you the best way to structure your business and how it operates. KEY TAKEAWAYS If you have an LLP and you make £500,000 profit and you don't take any money out of the business, you will pay tax on everything. If, however, you pay the capital allowances, you will pay no tax on this sum. BEST MOMENTS 'The bank always asks for the financials!' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz talks you through the complete process when it comes to claiming back VAT when it comes to property investing and when it most effectively applies. KEY TAKEAWAYS Once new units are created, they become zero-rated for VAT purposes, and so any VAT claimed will not need to be repaid. You cannot reclaim VAT if you are hoping to rent out properties, because you cannot charge VAT on rent itself. BEST MOMENTS 'Because they've sold the flats they can keep the VAT' 'Rent is an exempt supply' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz talks you through the best ways to ensure you remain compliant when bringing new shareholders into your business. KEY TAKEAWAYS Shareholders can be created by investing money directly, or by using their own holding company. This creates two holding companies, and adding flexibility to the arrangement. Holding companies also provide an extra level of protection to you and other shareholders. BEST MOMENTS 'Now you have two holding companies' 'Can you see the flexibility?' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

When talking about the control of a company, it can be tricky to decide who requires what in order to retain a controlling interest. In this episode, Shaz explains it all! KEY TAKEAWAYS It's wise for the party who wants control to ensure they have 51% of the shares which makes you ahead in voting rights. Shareholders agreements are vital in order to make sure that when an impasse is reached, progress can be made. BEST MOMENTS 'You have control of the voting rights' 'It's extremely important to have a shareholder's agreement' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

How should you structure your business for flexibility? Shaz looks at a commercial conversion case study and explains the different company structures and the tax implications He also shares great advice on having a holding company and why this is the key to flexibility KEY TAKEAWAYS Keeping the commercial conversion projects in different companies means they don’t affect each other Once you have done a transaction close the company down and move the money to the next one When you close a company after completing a commercial conversion and take the money out you will pay personal tax If individuals have their own holding company they have the flexibility to do what they want with the cash BEST MOMENTS ‘With a LLP tax is payable whether the money is taken out or not’ ‘There is no personal consequence from loaning between companies’ ‘A holding company gives flexibility’ VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz discusses the thorny subject of when and how to buy shares internally when it comes to a business - from where to find the money to do so, to how to make sure you remain compliant at all times. KEY TAKEAWAYS Most small businesses tend to be born from a family concern, with the parents founding and the children assuming the reins later. Using a dividend in order to fund the acquisition of more shares is possible, but requires you to consider the tax you'll also be paying. Adjust the sum accordingly. The company can buy back the shares and liquidate them, making the smaller shareholder the larger shareholder by default. BEST MOMENTS 'The company can buy back the shares!' 'Once they've sold their shares, they can't own more than 30% of the shares remaining' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains Investor's Relief, a more flexible version of Entrepreneur's Relief, and when it can be best deployed in order to save you more money! KEY TAKEAWAYS Investor relief works very similar to entrepreneur's relief but is actually more flexible. Investors keep their money is a deal for three years. After this period, up to the first ten million pounds of uplift is charged only 10% tax. BEST MOMENTS 'This way you tie them in, they're engaged' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains Business Asset Disposal Relief (BADR) - when it can be used, and why you should look to it when selling a business. KEY TAKEAWAYS If you run a business for five years and have at least 5% of the share capital - if you sell it you can claim entrepreneur's relief up to the first million pounds. If you charge rent on the business, then you can't charge Entrepreneur's Relief as it then becomes an investment activity. BEST MOMENTS 'Where possible, you want to make sure that you can utilise Business Asset Disposal Relief' 'This is called "phoenixing"' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz talks you through a practical example about how to better understand VAT and capital allowances, and the benefits that can be achieved when converting from commercial to residential. KEY TAKEAWAYS When looking to buy a property it is wise to find out about the exact VAT situation. When you make the offer, make it clear that you want to convert from commercial to residential, and ask if they will accept a VAT 1614D. Elements of a building that are subject to capital allowances are any part of the property that are not inherently provided by the structure itself. BEST MOMENTS ''When you sell the property at some point in the future, you must charge VAT on the disposal' 'These capital allowances have different pools' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains the differences between an investment company and a trading company, and how the approaches to buying properties for each will require different schools of thought. KEY TAKEAWAYS If you buy a property, hold on to it, and rent it out, then this an investment purchase. if you buy a property, do something to it and then trade it, this is a trading purchase. Serviced accommodation property investments are treated as a trading deal, as you are selling a product to a client each time it is rented out. BEST MOMENTS 'Short term lets are seen as a trade' 'Trading has many more tax benefits compared to an investment company' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Depending on the properties you buy and the way you buy them, you may be able to claim certain reliefs. In this episode, Shaz talks about an instance from his own investing history that best illustrates these differences. KEY TAKEAWAYS Even the difference of just £100,000 on a property worth over a million pounds, can dramatically increase your rental income potential. When you are doing your first deal, you have to compromise the margin. The less experience you are, the bigger the margin you need as mistakes will happen BEST MOMENTS 'There are a lot of caveats, twists and turns' 'That's the kind of deal that you want to be doing' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Investing in property is an exciting journey, but there can be pitfalls along the way. In this episode, Shaz talks about the current state of the housing market and what you need to watch out for in order to ensure your continued success. KEY TAKEAWAYS Quantitative easing is coming to an end, so we are seeing large upheavals in the financial sector, including interest rates, which can affect property investors The Bank Of England's mandate has trumped its obligation to control inflation and right now the challenge is to bring it down from double to single digits. Borrowing costs are rising steeply, and the public have far less to spend. We have a rocky time ahead, and the road to recovery is a long one. BEST MOMENTS 'What's inescapable is that the government lost the confidence of many in the market' 'Time will tell how well that will perform' 'Investors should also realise that most Britons are poorer. We're all paying more for less' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Considering how to change and tailor your portfolio to the ever-changing circumstances is something we should always keep on top of. but should we ever stop buying property altogether? In this episode, Shaz talks about the way you should be thinking about this question. KEY TAKEAWAYS Property is a liquid asset and it takes time in order to sell it and convert it into cash. Selling property can be difficult and time consuming. There are many fees when it comes to buying and selling a property, above and beyond what you'll pay for the actual property. Transaction costs are very high. A buy to let is a safe place to keep your money, but the returns won't always be the best in the world. As the market advances, a downturn becomes more likely. BEST MOMENTS 'In downtimes, selling is even more difficult' 'Some buyers who will be stuck with a property even if it turns out to be a mistake' 'Most investors turn out to be asset rich and cash poor' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

When embarking upon the serviced accommodation route in property investing, it's always wise to keep ahead of the costs and rates you might be facing. In this episode, Shaz discusses them all, and how you can best maximise the profits you make. KEY TAKEAWAYS Classifying your property as a furnished holiday let will allow you to take advantage of several tax benefits that do not apply to other forms of SA. The more services that you offer, the closer you move towards a general serviced accommodation, meaning that you don't need to fulfil the rules for a furnished holiday let. Hidden costs you might not consider include the changing of linen which c an be expensive. Replacing crockery and other breakables can also prove costly. BEST MOMENTS 'If you're not offering many services then you might be classed as a furnished holiday let' 'To keep it simple, think about the services you'd get in a bed and breakfast' 'Be aware of what all of your costs are' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Getting started on the property ladder doesn't have to be a complex as you have been led to believe. You can begin your journey without first amassing a fortune of your own, and in this episode, Shaz explains exactly how to do it. KEY TAKEAWAYS So long as you're planning to work hard and dedicate yourself to property investing, then there's no reason why you shouldn't succeed. Find a partner who has the finances and apply your knowledge, expertise and willingness. Together you can turn a house sale into a property empire in no time. Networking is the key at all times. You can join property investing groups and look to the knowledge of others. By surrounding yourself with likeminded business minds, you'll maximise your returns. If you want to be truly financially independent, then don't put all your eggs in one basket. Diversify your income streams so that you'll never be totally reliant on one strategy. BEST MOMENTS 'It takes commitment and dedication to make it happen' 'Get together and turn things into a transaction' 'This may turn into something bigger and better over time' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

SDLT is one of the most misunderstood taxes, but if clarity is provided then it can be a useful tool in your financial journey. In this episode, Shaz explains SDLT exemptions and reliefs that'll allow you to pay zero! KEY TAKEAWAYS An SDLT isn't as well understood as it should be, but if properly viewed, it can provide you with exemptions and reliefs that'll alleviate your finances considerably. If you occupy your house in the last two years, and sell it to a development company as part of a plan to buy a property from them, then you are exempt from paying SDLT If you buy a property through probate, via a limited company or partnership, you can spend up to £10,000 or 5% of the purchase price on fixing up the property - then sell the property, you will pay no SDLT. BEST MOMENTS 'Keep a not of this if you're looking to buy a new house at some point in the near future' 'If you grant a lease on the property then the relief will be withdrawn' 'There is partial relief, but stay within the numbers' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz shares the most common misconceptions and myths surround property investing, and how to make sure you're keeping ahead of the rumours and untruths that might be holding you back. KEY TAKEAWAYS The property pricing cycle always follows a boom-and-bust model. A steady increase will always be followed by a decline - history has proven this. Prices do go down! It isn't just the wealthy who are able to invest in property. You can invest heavily using other people's money, and massive deposits aren't always required. Newly built properties can be more appealing and have several benefits, but never discount the value of older properties, which always come with their own opportunities. BEST MOMENTS 'Property needs to serve you' 'I know lots of people who have no money, who are working successfully in property' 'History is a fantastic teacher' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Is there a limit to the size that your ideal portfolio should be? In this episode, Shaz talks you through what you need to think about as you grow, what your business should look like, how much income you need. Remember, that size doesn't matter! KEY TAKEAWAYS It always pays to think about the size of the business that you're trying to build. Many investors build significant portfolios that leave the teetering on the edge of bankruptcy from time to time. Smart investors can be sometimes excessively cautious about their portfolio, and should be having more faith in themselves. If you're investing in something then you want a return. That's only natural. What you need to think about is what you're trying to attain or replace in terms of income and aim for that to begin with. Determine your attitude towards risk. The bigger the portfolio, the more debt you take on, and the bigger the risks. There are more moving parts for you to manage. BEST MOMENTS 'Big isn't better at all. Small but smart is the way forward' 'Smart people sometimes overthink stuff' 'Everybody wants create a profitable business' 'It's important that you have a criteria when it comes to investing' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

What is a holding company? What are the benefits of a holding company? What are the drawbacks of a holding company? Why should I have a holding company? In this episode, Shaz walks you through all these questions and more! KEY TAKEAWAYS A holding company is a type of business structure that deals specifically with business assets, investments and management. When a business is 100% owned by a holding company, that is when the term "Wholly Owned Subsidiary" applies, as the parent company wholly owns the subsidiary. There is an opportunity to save stamp duty land tax when you transfer property from one company to the other. You can claim group relief. BEST MOMENTS 'In general a holding company is a type of business structure that has no operations' 'A trading company can be a corporation, a limited partnership, or a limited liability company' 'There are a number of significant tax benefits' VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Finding off-market properties is Shaz’s favourite marketing strategy in this episode he shares some of the ways you can take effective action to increase your network becoming known in your goldmine area Building an extensive network with people knowing that you are looking to buy properties off-market is key, hear about a range of strategies that will create an extensive network and get started KEY TAKEAWAYS Buy off-market and you may be the one person who can do that particular deal Understand your target market and where they are in their selling journey Get the headline right, share your offer and make a call to action Builders and tradespeople are good contacts to have in your network Solicitors working in probate are in contact with people who may want to sell property Deal sourcers can have good deals and are a good source for off-market property deals Get out and about in the area you are interested in talking to the local people BEST MOMENTS ‘Buying property off-market is a phenomenal game changer ‘Sometimes people want to find a buyer discreetly’ ‘Network by letting everyone know what you do’ VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

This is a great episode if you want to get into commercial conversions as Shaz takes us through his latest project the conversion of a grade 2 listed post office into twenty two mixed flats and a ground-floor commercial space He goes through the numbers and shares valuable content about working with lenders, the loan-to-cost figures and the GDV, listen in to hear why commercial conversions should be part of your property development portfolio KEY TAKEAWAYS We agreed to buy with the condition of planning within 12 months Loan-to-cost is an important factor The loan to GDV is also an important figure for the lender The parameters may change according to the deal We will have over a thousand pounds in our pockets as profit every week There will also be capital appreciation Work out the cost per square foot at the beginning, the cost to redevelop and calculate the value per square foot at the end The rental income covers the costs and you are creating profit and capital appreciation BEST MOMENTS ‘Don’t worry if planning hasn’t come through when the conditional contract ends keep working towards completion’ ‘The whole thing works beautifully with commercial conversions’ VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz shares an overview of the LP hybrid model, explaining exactly what it is and how it works He shares informative content that helps to explain the process and discusses why it's vital that any hybrid LLP is planned and set up properly KEY TAKEAWAYS A partnership is two or more individuals who form a business An LLP can be two or more people or two or more entities As the properties are introduced into an LLP the limited company becomes a managing company, managing the properties for the LLP The LLP may pay management charges or have more control and ownership If the limited company collects the rent and pays the mortgages it can claim the tax relief When the funds are in the LLP the individual partner draws down on their capital account tax-free In an LLP or partnership, there is a profit-share ratio BEST MOMENTS ‘A profit share doesn’t have to be in line with a capital share’ ‘It needs to be planned and set up properly’ ‘ If you are forming an LLP you should be doing it for the right reasons’ VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultation he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Flips are good for cashflow and a great strategy, and in this episode, Shaz explains what you need to have in place and how you can get started From knowing your numbers to negotiating the right deals all the way through a project, Shaz shares valuable tips and advice about how to get started and succeed if you want to use flipping as either a supplementary or primary property strategy KEY TAKEAWAYS Flips are usually funded with bridging loans If the project takes longer the costs can increase, it’s important to get things completed within the allocated time frame Be clear about the numbers, the costs, what the margins are and what the profit is expected to be Negotiating is a key part, you need to negotiate the right deals throughout the project Build in a contingency for each project and be clear about what you are trying to achieve with each deal Research and know the area you are focusing on If you buy well and sell well it’s a great strategy Set a timeline and focus on keeping everything tight BEST MOMENTS You need to have a vision and an eye for details It’s a good supplementary or main strategy to have You need to buy right, below market value to make it work VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultation he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Everyone is asking if there going to be a property market crash and when’s it going to happen and in this episode Shaz shares the historical patterns and his analysis of this much-asked question He looks at the previous cycles for the property market and shares the predictions and his analysis of what will happen KEY TAKEAWAYS History repeats itself and there have been, to date three serious property market crashes There are consistent themes such as changes in interest rates, rising energy costs and policy mistakes Covid had an effect on the global economy as well as on individuals The stamp duty land tax holiday created an artificial boom in the market For over a decade there has been growth in the property market Many experts are now forecasting that the fallout from the mini budget will impact for some time to come The cycle of property dictates there will be a crash at some point and the property market follows a cycle linked to global events Those in shared ownership are of particular concern and renters have already had to deal with rising costs Its predicted house prices will fall by 10% over the next 2 years, which is significant The signs are there and we need to look at previous indicators and plan accordingly BEST MOMENTS ‘A crash happens partly because there is a boom’ ‘You’ve got to pass on the costs because that’s how a business works ‘Is it any wonder first-time buyers are struggling’ VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultation he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz explains how tax works if you are buying property that is already part of a company and discusses the ways you can achieve the best tax outcome for yourself He uses a worked example to go through the figures making it clear at which point in the process action is required KEY TAKEAWAYS You need to think about the best company structure for commercial conversions The property being purchased may be part of a company There is no SDLT if you buy the company just Stamp Duty tax on the shares The company makes the gain on the property value If you are buying property in a company the longer someone has had it for the bigger the gain You need to negotiate with the current owner If you’re buying a residential property the numbers will be much higher BEST MOMENTS As soon as you complete there will be SDLT to pay You need to be aware of this when you buy property in a company VALUABLE RESOURCES [email protected] ABOUT THE HOST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors. Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultation he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable. He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz looks at what happens when a shareholder wants to sell their shares and how other shareholders can raise the capital to buy them without involving an investorHear about POOS - purchase of own shares and how this can mean a substantial saving in taxes KEY TAKEAWAYS If a shareholder wants to retire they will want to sell their shares and other shareholders are likely to want to buy the shares You need to have a gross profit that includes the money that needs to be paid in tax on the dividend You will also need to factor in corporation tax payment POOS - Purchase of Own Shares means the company can buy back shares from anyone who is retiring Has to be a trading company, the person can’t own more than 30% and has to have owned the shares for at least 5 years BEST MOMENTS‘Purchase of Own Shares means the company can buy back shares’‘Other shareholders are likely to want to buy the shares VALUABLE [email protected] ABOUT THE HOSTShaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors.Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable.He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets.You can find Shaz on: Facebook LinkedIn Instagram YouTube.

In this episode, Shaz covers the main differences between a sole trader business and a limited companyHe shares an informative overview of the benefits and looks at some of the different reliefs and allowances that can be claimed through a sole trader business and a limited company KEY TAKEAWAYS The accounts are simpler with a sole trader business and there is more flexibility to add partners There is unlimited liability and you are personally responsible for any debts Losses can be carried forward but allowances and reliefs need to be used Finance and funding are lower for a sole trader business A limited company is a separate legal entity Do your remuneration planning and make sure you take out a salary The more profitable you are the better a limited company will work out A company car is a taxable benefit if you have a limited company With a limited company, you can have alphabet shares with different rights Articles of association have to be fit for purpose BEST MOMENTS‘Look at the areas you can plan for’‘Most reliefs of allowances you either use them or lose them’‘The government is incentivising people to have electric company cars VALUABLE [email protected] ABOUT THE HOSTShaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors.Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable.He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets.You can find Shaz on: Facebook LinkedIn Instagram YouTube.

Shaz shares great information as he answers questions from his live audience about when you can and can't claim VAT on commercial properties and refurbs and also takes a look at how to claim entrepreneurs' relief KEY TAKEAWAYS You can claim VAT on commercial properties if you sell them If you are increasing or decreasing the number of units of buying a house that has been empty for 2 years or more VAT is 5% If you outsource or subcontract the labour and materials you pay 5% on both For better cash flow outsource the whole thing Create a management company and have a lease of more than 20 years to claim back VAT Start SA run it for 2 years, sell it as a business and then you can claim entrepreneurs relief BEST MOMENTS‘If they sell the flats they can claim back the VAT on the refurb’‘At the end when you sell you get to keep the VAT’‘There is a lot of money to be made and saved when you are buying and refurbing property’ VALUABLE [email protected] ABOUT THE HOSTShaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors.Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultations he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable.He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets.You can find Shaz on: Facebook LinkedIn Instagram YouTube.