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Buy to let Homepage

Why investing in new homes could be disastrous
Ten buy-to-let traps to avoid in a tight market
Three booming foreign property hot spots
How to use property to retire rich
Five tips to secure the right buy-to-let mortgage
Why being in debt can be a good thing
How to increase the value of your flat by 60%
Jet-to-let: the new investment phenomenon
How one man turned £500 into £10m
Why landlords are fair game for fraudsters
The 10 best places to invest
How to handle the nightmare tenant
What is buy-to-let?
How to tell whether buy-to-let is right for you
Pros and cons of buy-to-let
The costs involved with buy-to-let
How to choose a buy-to-let mortgage
How to identify top property hotspots
The 10 best places to invest
London property hotspots
University towns provide top property returns
Buy-to-let: tricks for raising your initial investment
Finding the right buy-to-let property
What to do to a property before you let it out
The bathroom ceiling’s just collapsed…and other nightmare scenarios
Buy-to-let and tax
Insurance matters and buy-to-let
Should you sell?
When should you expand your portfolio?
Finding the ideal tenant
The pros and cons of letting agents
Dealing with tenants
How to handle the nightmare tenant
The tenant’s view: what makes a good landlord?
How to build a property portfolio
When should you expand your portfolio?
Buy-to-let: tricks for raising your initial investment
Finding the right buy-to-let property
Is a written tenancy agreement necessary?
Buy-to-let clampdown – will new rules strangle the market?
Property letting FAQ

Ajay Ahuja, Author, Entrepreneur & Property Investor worth £13m

My father was a teacher and my mother was a nurse. They were one of the first lot of immigrants back in the 1960s to come over to plug the employment gap the UK was suffering. My father was from India and my mother was from Trinidad & Tobago. They had learnt that education literally takes you places! Because of their qualifications they were able to escape the poverty trap their own countries had and join the country they believed would be better for them and their future off spring… ..and boy were they right!

My father met my mother in 1964 and lets just say it was love at first sight and in 1969 my sister was born. I arrived 3 days after Christmas in 1971. When I was born we moved to a council house in Harlow, Essex where my father was offered the house at a discounted price of £4,000 if he taught in one of the secondary schools. My mother took a part time job as a nurse at one of the industrial areas but she always made sure she was there to pick us up from school at 3.30pm.

Both my sister and I were encouraged to study and become graduates. This we both did. My sister went to Imperial College London and went on to do a PhD and now she is a journalist for the Times. I went to The London School Of Economics and then went on to train and qualify as a chartered accountant with Deloitte & Touche.

Now let me tell you my parents were very proud of us. We had pretty much gone beyond their expectations of what they wanted for us. My mother would sing to all her friends that her daughter wrote for the prestigious Times Newspaper (which is pretty much my sister’s dream job) and her son worked for one of the world famous “big 6” accountancy firms.

I couldn’t share this feeling my mother had. As she would proudly state “my son is a chartered accountant” I would struggle to get up in the morning, dress up in my suit like everyone else, and push the entrance doors below the grand chrome “Deloitte & Touche” sign to get in to work. I think my heart sank every morning Monday to Friday.

I had been on a treadmill of exams after exams. First my GCSEs, then my A levels, then my degree and then my chartered accountancy exams. All which I had revised for and passed with flying colours. At age 25 I was considered a success. I had passed the institute of chartered accountants final exams which have a notoriously high failure rate and I now I was an elite member of the institute with the world at my feet. You would think I would be feeling on top of the world but the complete opposite was true.

I wish I had failed my exams.

At least then there would have been no expectation of me to progress further in the corporate world. But since I had qualified I had a real chance of rising up the ranks and becoming a senior manager or even partner. I started to really look at the corporate world as my future as I did not allow myself to see anything else. I was a chartered accountant for heaven’s sake. I could really become the king of the corporates!

I looked at how the corporate world worked. To rise up the first ranks you needed to be punctual, friendly with the right people and create the right perception of yourself to your seniors. I know this because I was told this from my direct bosses. “There is no room for mavericks Ajay” I was told. My performance would be judged on all the things that I thought were irrelevant. I was not going to be judged on how hard I worked, how much I made the company or how much effort I put in. I was going to be judged on whether I turned up to work at 9am, whether I stayed beyond 5.30pm with all the other managers and whether I socialised with the right crowd.

This I really struggled with. I just didn’t fit in. I couldn’t understand why it had to be so. So much so I turned to drink. I think having to appear to be this corporate guy took so much effort on my part I needed a release when I got home. This didn’t help things! I would start turning up late for work, other staff members would talk about my lateness (it even became an office joke!) and I would want (and often did) to leave at 5.30pm on the dot.

It got to the stage where I was always looking for ways of getting off work early (like delivering files to another office round the corner at 4pm and not coming back) or taking sick days or unannounced holidays.

Then the final blow was dealt. Another colleague of mine who was at the same level as me got promoted and I didn’t. It was no surprise. He worked hard and I didn’t. I felt embarrassed that I did not get promoted and to save further humiliation, at age 27, I handed in my resignation before they even needed to explain why I didn’t get promotion. It was funny, when I did hand in my resignation they said “we were expecting this!”. They could see I was a maverick and there were no places for mavericks in accountancy as previously told. I’m sure if any of my superiors know of my success they will say “I always knew he would be an entrepreneur”.

Now when I handed in my resignation I had no idea how I was going to provide for myself. All I knew was that I would NEVER work for anyone else ever again. I have to say I was close to depression when in the last year of my working career. Money can never be that important for it to take your mental health and well being away from you.

I arranged a £10,000 overdraft before I left work to remain solvent and got the hell out of there! The first 3 months after leaving work in October 1999 I partied. And I partied hard. I went to Ibiza twice, went out every night and did absolutely nothing to build any kind of future for myself. Looking back I think I gave myself this time as I felt I deserved it for putting myself through 5 years of corporate life.

Over my drinking days I had built up quite a few friendships but I started to notice something – I was different to them! I had slightly more intellect than them and I also used to have creative ideas and when presented to them it was dismissed quickly as nonsense. I would come up with ideas on how to make money or do something that would be different from drinking down the pub but they were quickly quashed.

It got to a point where I got fed up with my ideas being dismissed and I quickly saw that they were happy where they were. They didn’t want change. I realised I was not happy where I was so I made the clear decision that I was going to start afresh. I cut ties with the group I was drinking with, rented a room in a completely new area and said to myself – “I’m going to make something of myself!”.

This was the best thing I ever did. With hindsight I realised that the crowd I was hanging about with were preventing me to be who I really wanted to be. I now know the phrase “Show me your friends and I’ll tell you who you are” is so true. This is why I no longer hang out with the corporate gang or the drinking gang but with the entrepreneur’s gang! I often find myself discussing ideas with fellow entrepreneurs and we’re always trying to change or do things differently. Its never “No” but often “How”. Not “No you can’t do that” but “How can you do that?”.

So its now the year 2000 and I’m sitting in my room, while everyone else is at work, thinking – how can I make some money? My overdraft is sitting at around £5,000 with only £5,000 left, I’m burning £1,000 every month so at this rate I’ll be bankrupt in 5 months and I’m going to have to go back to work! Going bankrupt I can deal with but going back to work…….NO WAY! The fear of going back to work I have to say was my biggest driver to do something NOT the money. I’m not a materialistic person. Even though I can afford better I live a lifestyle of most other people. I live in a 4 bed house, I drive an old car and I shop in Tescos!

Back then in 2000 I realised I was already rich. I was rich with time. I was waking up thinking “what can I do today”. I realised that working 1 hour for yourself was like working 8 hours for somebody else. This was because I was interested in the work I was doing as I 100% directly benefited from it. Just think about it for one moment. 1 hour = 8 hours. 1 self employed hour = 8 employed hours. I would work 12 hours a day which equated to 96 employed hours. Its no surprise then that I became successful very quickly. This was because I loved what I was doing.

I started doing everything and anything to make money. Premium rate numbers, people’s tax returns, the odd day of subcontracted work for a local accountant, trading cars but also investing in property.

At the time I didn’t know my property investments would be as successful as they were. It was just one of those activities I was doing as well as the other stuff. I had 4 properties in the year 2000. You see where my work colleagues were renting flashy apartments and burning their salary on rent, I was living in a shared house, saving up my salary for deposits and buying properties back in my home town. I had my own house in Harlow which I bought and lived in briefly rented out and 3 other buy to lets in Harlow rented out.

One of the key tools I found important to me was the internet. I used it at work to collect emails and search for cars to buy! I got a dial up connection installed in my room and I would use this connection to research potential money making ideas. It was at this point I stumbled across a site called “rightmove.co.uk”.

Rightmove was great. Instead of searching each estate agent’s database for their properties Rightmove aggregated all the estate agents databases so you could perform one search. Now I was used to paying £35,000 for a 1 bed flat in Harlow back in 2000. So I would search for properties in Harlow for less than £50,000 and see what came up. I had this formula that if it would rent out on a month by month basis for 1% of the purchase price then I would buy it. So if it was for £50,000 and it would rent out for £500 or more I would buy it. Now I would see a deal like this once every other week. It was safe to say Harlow wasn’t overflowing with these properties which I thought were great deals.

I then thought why don’t I invest further a field. So when I searched on Rightmove I put the distance parameter at “40 miles radius” of Harlow and then pressed search. I have to say this was a changing point in my life. Now remember I had been used to paying £35,000 for a 1 bed flat and these were hard to come by.

The first property that came up was a 5 bedroom 3 storey house for £20,000!!!!!! I thought this must be a misprint but then I saw next on the list a 3 bed house for £23,500 in the same area. So I rang it up, spoke to someone about it and asked it if was for real and not a misprint. They confirmed that it was for real but the property had gone. I asked about rents and they all fitted my criteria of being greater than 1% of purchase price. I had to take a trip to this “hotspot”. This hotspot was called Corby in Northamptonshire.

This is where I work from home. All the sites you see started from one of the four screens behind me!

I went up there and met with the 3 estate agents there and I was treated like a king. They had actually found someone who wanted to buy these properties in these deprived areas. I would get shown around these properties all with price tags under £30,000. It really was a buyer’s market. My problem was there were too many properties and I didn’t have enough cash! I likened these days to a kid in a sweetie shop with only 50p in your pocket. I wanted every sweet but couldn’t afford it.

What I did next makes me still wince when I think about it. From my bedroom I made literally thousands of applications for unsecured finance, credit cards, overdrafts and other sources of finance. Most said no but some actually said yes. I raised £100,000 of unsecured finance, £15,000 on credit cards and £40,000 by remortgaging my current portfolio of 4 properties and bought as much as I could.

I bought flats, houses and town houses. They all fitted the 1% rule (now known as a 12% yield) and some even fitted a 2% rule meaning that the properties yielded 24%.

But then something even more strange started to happen. I thought I was the only person doing this in Corby, but others started emerging. The prices started to get pushed up. But it didn’t happen over months, it happened over weeks! So stuff that I had agreed to buy had gone up by 50% by the time I had completed. So I would go straight for a remortgage after I completed. You would then get the absurd happening. I would buy something for say £20,000, in 3 months I would complete on it and then get it remortgaged at £40,000 and get a further £15,000 out which I would use to buy 3 more properties.

I didn’t stop at Corby. I bought everywhere that fitted my 1% criteria. The closer the better. But what I was finding I was getting priced out. So I would just travel further north to get the properties that yielded 12%. All the time growing in wealth as everything I was buying was rising rapidly.

I used to manage my properties myself. I would go, all 5 ft 4” of me, to the roughest parts of town to collect rent of junkies, drug dealers and the unemployed! It still amazes me that I did that back then. But my mother was getting real worried. So I took on someone who handled it for me from then on. I was up to 20 properties by 2001.

I decided it was time to move out of my rented room and get myself a nice little pad. I bought a 3 bed detached house in Romford Essex for £132,000 and lived there while still buying up in and around the East Midlands and Essex. It was while living in this house that I had the idea to tell people about what I was doing. It was so easy I wanted to tell other people about what I was doing and say “hey – you can do this!”.

I wrote my first book “The Buy To Let Bible” and is my bestseller. It has sold over 100,000 copies nationwide and is available in every book store including Tescos! I have since written 9 more books on property investment and escaping the rat race. I’d like to think I have helped people realise their financial dreams and given them back their precious time that you can never get back once its spent.

Since 2002 I have moved to a 4 bed house with my girlfriend Hana who really looks after me so I can further my pursuits in property investing, property sourcing and internet businesses.

This is me and my Hana posing for pictures in the Sunday Mail. A Scottish newspaper doing a sort of OK/Hello feature on me. How
embarrassing!

We have no children (yet!) but I have one niece, Rosa, who I adore, and I fit in to her life – not the other way round.

I have a portfolio of 170 properties. It currently stands at £11.3m and has £1.7m worth of properties in the pipeline waiting to be added. I aim to buy 1 property a week over the next few years or so. I’m currently investing in Scotland, Derbyshire and Lincolnshire.

So why am I telling you all this? Well I suppose I want to let you know it is possible to be your own boss. I’m a regular guy that wants pretty much the same as anyone else. I want to be in control of my life and I want to have an okay life. I want to be rich with my time, to have material goods that make my life comfortable and I want to build positive relationships with the people around me.

I want you to know this: I do not possess any special characteristics compared to anyone else nor do I consider myself lucky. All I did was applied myself to do something that I wanted to do. This was to become financially free from an employer. I believe ANYONE can do this with the right attitude.

How one man turned £500 into £10m

By Nic Cicutti, MSN Special Correspondent

There aren’t many investors who can honestly claim to have started out with £500 and built up a portfolio worth £10 million in just 10 years. Ajay Ahuja has done just that – investing in buy-to-let properties.
Ajay, aged just 34, currently owns about 150 properties, with numbers rising every week. And when he tells you that his aim is to boost that number up to 1,000 properties in the next five years, the equivalent of a large village’s entire housing stock, you find yourself believing him.
He is, after all, one of probably not more than a few hundred people across the UK who have made the transition from small-time owners of one or two homes, rented out on the side to supplement their income, to something far more spectacular.
In the process he has also build up a series of lucrative sidelines in property-related services, from maintaining a website and dispensing twice-daily newsletter tips to subscribers, writing books on how to invest in housing, to finding other people residential properties for a fee.
Yet the lessons learned by Ajay are universal. They apply just as much to people who are starting out on the buy-to-let path as they do for people ready to move on to the next stage.
Moreover, in common with tens of thousands of other property owners who became buy-to-let investors, his conversion to serial ownership of bricks and mortar was accidental, a by-product of needing to find a tenant for his own home.

Next page: How Ajay first got a foothold on the buy-to-let ladder

Compare rates on buy-to-let mortgages
The ten best places to invest in buy-to-let
Getting the right buy-to-let mortgage
Visit Ajay's website, www.propertyhotspots.net
Buy Ajay's best-selling book, The Buy-to-Let Bible

Property Hotspots Finance

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Free articles on real estate from Azizi Ali

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These articles are gems of wisdom gathered over 20 years in real estate and considered a field which had made him multimillionaire.

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We have always believed in the concept of "catching the rope and then throw it back for someone else. That is why we have re-opened our coaching program.
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Now I am really tough and do have high expectations and you do have to have access to some resources to get started but really at the end of the day, results are the only thing that matters.

Amazing but true story, from Real Estate Report

I was talking to a very dear friend of ours on Friday and he shared with me how he had the BIGGEST month of his sales career, he actually earned over 80K THIS MONTH and there are still 2 weeks left in the month!

That's 80k thus far this month and the meter is still running. It was about 4-6 months ago that he started applying just one of the strategies that we teach in our "A Magnet to Money" course that we just released earlier this week.
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It is also the same strategy that another friend of ours used to take their M-L-M check from barely nothing to 100k per month within 6-9 months. Yes, that one strategy that we teach is that powerful. Results never lie. Now I realize that for some of you reading this that the very thought of making 80k or 100k per month sounds like something that is so far out there that you just cannot comprehend anyone making that type of money let alone yourself.

And therein lies your problem. You'll never reach those levels of money with a 45k a year mentality. All Wealth starts in your mind but most people go at it the wrong way and work on the external. They jump from biz op to biz opp from job to job. I know because I used to do that and at some point you learn it ain't the biz opp that's wrong!

It's like these Hollywood "Stars" who have been married 5 times, I feel like saying" After 5 times, It aint your Spouse that is the problem Baby!" YOU got's to change and when you do EVERYTHING changes! So if everything you have touched has ended up "not working" here is your wake up call. I have "been there and done that" and "bought the shirt"

Everything started to change for me when I learned how to "Magnetize and Attract Wealth" instead of chasing it away! www.amagnettomoney.com T is true and it can also happen for you. Now, You can sit there and say this "Law of Attraction" stuff is just "hocus pocus" and does not work and you will be absolutely correct. It will NOT work.... for you. You can be "right" and the rest of us who do believe it and put these Powerful strategies will be Wealthy... but you'll still be "right"

I 'd rather be Wealthy any day of the week.
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Until next time

TC and Vickie Bradley
www.tcandvickiebradley.com

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Mobile Home Price Drops from $13 000 to $1 500, by Ruben D. Flores

Ruben Flores calls this a “get of the couch” story.

Less than a year ago, he was sitting around reading other peoples’ Success Stories.

Now he has five of his own. Get the details on how one “unmotivated” seller became “motivated” and dropped the price of her mobile home drastically in 45 days.

Please read more.

How to Profit in a Slow Economy, by Ray Alcorn

If you haven't read this in-depth, two-part article we published in July, now’s the time.

The question of the day for commercial real estate investors is this: What is the effect of a slowing economy and possible recession on valuations?

The run-up in values for some sectors has raised alarms, and opinions range widely.

Learn from Ray Alcorn what you, as an investor, need to know when plotting your course.

How to Profit in a Slow Economy (Part One)
By Ray Alcorn

How to Profit in a Slow Economy (Part Two)
By Ray Alcorn

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