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#151

How do you keep on top of your UK Credit Rating?

Do you even know what your credit rating is? 

Do you know what factors affect your score? 

This episode serves as a warning as to what can go wrong if you’re not very careful, even if you’re the kind of person like me that likes to pay their credit card debt at the end of each and every month.

Keep listening to the end to pick up tips and tricks for how to navigate the minefield of your UK credit file.

Topics discussed during the episode:

- Importance of sharing problems and seeking help from contacts

- Tips for staying on the right side of mortgage lenders

- Importance of being systematic and using virtual office services

- Value of using a mortgage broker and keeping detailed records of communications

- Impact of positive interactions and persistence in addressing setbacks

- Understanding the impact of setbacks and maintaining a positive mindset

- Credit rating management advice

- The value of services like Check My File for monitoring credit information

- Insights on staying on the electoral register for positive credit impact

- Examples of methods to access Credit Rating Agencies from abroad 

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

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Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
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Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Keywords

property investment, portfolio, mortgage, credit rating, expat, UK, credit report, credit score, credit agencies, expat investor, HMOs, refurbishing, auction, valuation, finance, banking, expat challenges, expat property market, UK credit system, expat finance, expat mortgage, credit card, financial management, real estate, international property, landlord, rental property, property management, property market, real estate investment

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#150

Some of the most useful content according to people who get in touch with us is when we tell the parts of our story that don’t go well, 

 And let’s face it, we learn more from what goes wrong than what goes right. 

So over the next few episodes we’ll be covering the reasons why we didn’t buy any property in 2023.

This episode discusses:

·      Naivety in financial decisions

·      Initial experiences with stock market investments

·      Transition to property investments

·      Acquiring our block of 4 flats in Derbyshire

·      Impact of valuations on investment decisions

·      The impact of so called ‘Down Valuations’ 

·      Considerations and decisions regarding refinancing and mortgage arrangements

·      Importance of not depending too heavily on others

·      The value of being prepared for unexpected challenges

·      The significance of resilience and adaptability in property investment endeavors

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Keywords

property education, podcasts, Facebook groups, online communities, forums, books, interviews, business model, strategy, expat salaries, pension plan, financial adviser, investment, stocks and shares, property bug, student HMO, tax residency, nondomicility, UK property experts, auctions, refurbishment, valuation, mortgage, interest rates, down valuation, remote investors, entrepreneur mindset, real estate market, stress tests, expat property story

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#149

Do you invest in stocks and shares?

Do you invest in property?

Maybe you invest in both?

If you take two suitcases to the check in counter at the airport, one marked property and one stocks and shares and they tell you that you can only put one on the plane, which one do you choose?

Have you ever wondered, like I have why people choose stocks and shares over property?

In this episode, Grant Williams, a leading financial content producer and a man with more than 35 years’ experience of global finance  discusses:

• The complexity and management of owning physical properties
• The responsibility and understanding of investments in stocks, shares, and property
• The potential shift from stock market to small business investment
• The danger of expecting historical property trends to continue  in light of inflation, interest rates, and asset valuations
• The  benefits of property as an investment during times of inflation
• The significance of understanding risk tolerance and managing emotions in investing

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Keywords

Grant Williams, investment, stocks, shares, property, property investor, risk tolerance, due diligence, stock market, small businesses, exit liquidity, stock market trading, financial content producer, Real Vision, responsible financial advisers, commercial real estate, inflation, leverage, investment objectives, airport scenario, emotional aspects of investing, Expat Property Guy, Hong Kong property market, corporate defaults, economic downturns, debt levels, interest rates, refinancing debt, central banks, recession, rate cuts

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#148

How do you deal with setbacks in your property story? 

Lots of people talk about how to win, but maybe the real lessons to be found in life and property are about how to deal with, and come back from disappointment. 

And since we all have setbacks in our property stories from time to time, it often helps to be inspired by those who get up again after getting knocked down. 

So if you’re looking for inspiration about willpower, determination and resilience, then this is the episode for you.

Nicky Russell  went from self-proclaimed 'Van Tramp'  to Blackpool Bungalow Flipper via Casinos, Cleaning and Bulgaria.

Download now to hear her amazing story!

We also discuss:

• Targeting potential investment opportunities in the UK due to the aging population
• Predicted increase in demand for bungalows due to the aging population's preference for single-story houses
• Benefits of bungalows in terms of limited refurbishment needs and appeal to various demographics
• Quick sales process due to cash purchases and minimal delays caused by solicitors or chains
• Potential investment opportunities in properties unsold for a long time and the benefits of further due diligence
• Setting up separate companies for trading and holding, and learning about group structures for tax benefits and asset protection
• Property investment education, including attending courses and investing in mentorship programs

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Keywords:
property flipping, bungalow refurbishment, real estate investment, property auctions, property refurbishment costs, property sales strategy, property investment seminar, property flipping strategies, property investment education, property portfolio building, limited companies for property trading, property investment opportunities, aging population, bungalow demand, property investment setbacks, expat property investors, property auction due diligence, due diligence checklist, property investment networking, property investment mindset, property investor meetups, property investment angel money, property investment advice, property investment leverage, property investment tax benefits, property investment strategies, property investment funding, property investment setbacks, property investment resilience, property investment success

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#147

How long does it take you to analyse a deal on Right Move? 

Do you find yourself looking at rubbish bins to try and work out the number of a property so that you can then go and check out the EPC and do other due diligence to work out if a deal really is a deal?

 If your plan is to turn it into an HMO, have you found it as frustrating as I have, squinting at a map trying to work out if the house you’re looking at lies inside or outside an Article 4 area.

Guillaume Black was so fed up with looking for deals on Right Move that he set up his own platform, Property Filter

Property Filter brings together more than 30 data points to create one of the most powerful deal finding tools in UK property.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Keywords: Rightmove, property deal analysis, property finding tools, UK property podcast, property networking, Guillaume Black, Property Filter, property data, HMO, article 4 area, SA property, French accent, property deals, property engine, property sources, motivated sellers, property strategies, rent to rent, lease options, commercial to resi, blocks of flats, leasehold, lease extensions, residential mortgages, HMO refurbishments, buy to let, live-in landlord, subscription price, property sourcing, financial freedom

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#146

Is now a good time to buy UK property? Do you wish you had a crystal ball to see six months into the future? How will the housing market look in the second half of 2024? 

When analysts comment on the state of the market, they look to house price indexes from the The UK House Price or Nationwide or Halifax as they try to predict future trends.

But these indexes have a time lag given that the the length of time it takes on the open market for a home to go from 'sold subject to contract' to legally sold can vary between six weeks and six months.

By contrast, it’s often said that what happens in the auctions is a barometer for what happens in the wider market six months later. So with that in mind, this week, Andy Thompson from auctioneer Pugh Auctions UK is here to tell us what he’s seeing in the world of auctions now to help you make your UK property decisions in 2024.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

property auctions, real estate sales, auction house, auction strategies, auction platforms, realistic pricing, property values, auction risks, auction approach, conditional sales, modern method, auction security, due diligence, regional market trends, southern-based buyers, property types, probate properties, auction process, auction benefits, auction advice, auction competition, auction catalogs, commercial properties, local authority properties, property redevelopment, financial year sales, property networking, UK property market, Expat Property Guy podcast, property acquisition, auction challenge

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#145

Do you regularly visit your investment area? 

How well do you know your location? 

Who are your eyes and ears in those places? 

How do you know if you can trust them? 

How often do you or could you visit your patch? 

Or are you confident enough to build a portfolio from the other side of the world with no friends or family to help you in the part of the UK you’ve identified as the one to get you to where you need to go?

These are the types of questions this episode sets out to get you thinking about.

This is the 15th and  final daily episode documenting my recent UK Property Tour in which I go through the seven benefits of spending time in your chosen investment area and four key learnings.

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Send us Fan Mail

#144

I’m in Derby. 

It’s the final day of my UK Property Tour. 

Today, I have to take the hire car back to Nottingham and then the train south to London. 

I also have two final meetings I’ve arranged. One with a second sourcer, who we’ll call Sourcer 2 and another with an HMO interior design team.

But that’s not what’s at the front of my mind on this mid-February morning in 2024 as I wake up in the guesthouse I’ve been staying in for the last four nights.

No, I want to know if the two remaining obstacles blocking our purchase of a 3 bed terraced house to convert into a 6 bed all ensuite HMO for young professionals have been removed. 

The first obstacle is the danger that the restrictive covenant in the title document which I downloaded for £3 from the Land Registry could …well …restrict us from getting long-term finance. 

The second obstacle is whether the conservative estimate for the rental income was … well.. conservative and could be a swing factor… in other words tweaked upwards by £25 a room which would swing the project from being a non-starter to a good enough deal.

I lean out of bed and reach for my computer to find out…


We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Send us Fan Mail

#143

13 has always been mine and my wife's lucky number.

On our one and only visit to a casino in Macau we once won two consecutive games of roulette picking, you guessed it the number 13.

So will this deal that we’ve been offered in Derby be our lucky 13th addition to our portfolio on this, the 13th consecutive daily episode in our mini-season documenting my UK Property Tour?

Download and listen to find out!

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am

Send us Fan Mail

 #142

Day 11...

My UK property tour and this mini-season of diary style podcasts is drawing to a close now.

I'm in Derby meeting anyone and everyone who can help us find a 3 bed house to convert to a 6 bed all ensuite HMO

It doesn’t look like I’m going to return to Hong Kong with an HMO in my back pocket.

But the aim is to get as close as I can.  To do that I have a few meetings lined up over the next few days.

Including with sourcers.

Download and listen to find out more!

We typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discuss

Leave an honest review of Expat Property Story
Join our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly Newsletter
Follow the Show on Instagram
Tell us the one thing you’re struggling with in UK property

As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):

Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 am

Dubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pm

Singapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 am