Mark My Words

Mark is joined by fellow co-founder of Progressive Property Rob Moore and together they discuss how you can perfectly invest £250,000 to ensure you get the highest returns possible. Discover how you can maximise your investment by purchasing businesses that have been hit by the pandemic, why buying properties in cash can allow you to get the best deals as well as discovering the best market trackers to use when investing your money in stocks and shares.

 

WATCH ON YOUTUBE

How To Perfectly Invest £250,000 |Property | Stock Market | Business

SUBSCRIBE TO THE SERIES

Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

 

KEY TAKEAWAYS

Businesses: Due to the current pandemic, there are likely to be some businesses that are willing to sell for £250,000 or less. Many hotels, nurseries and event companies have been very badly affected by the pandemic and are coming to the market in the new year.

 

Property: If you are buying single lets, buy up to seven at a time with £30,000-£35,000 deposits and roll that over. You could also use this money to buy properties in cash. These properties may be unmortgageable and therefore you can get the property much cheaper. By doing this you can cut out the majority of the market as most people are unable to buy without a mortgage.

 

Appreciating Assets: With this budget, you can invest in Patek Philippe and Richard Mille watches. The more complicated the movement of the watch, the more expensive it is. It is better to pay more money and have more growth.

 

Appreciating Assets: It is very important that you find an asset class that you enjoy. Whether that be stocks, property or business. Investing in gold can be a good safety hedge. Monetary financing will soon catch up and inflation will start to build, and gold will be the beneficiary of that.

 

Property: If you buy commercial buildings or newbuild blocks of flats and you convert them, the capital allowances are available on the purchase price up to 20%. When you convert the buildings all the work that you do to the communal areas between the flat you can claim capital allowances on.

 

Stock Market: Look for companies that are currently in trouble, but are fundamentally going to be okay in the long run. Be prepared to lose money on stocks on occasion. If you want to make money over time buy some market trackers i.e Footsie or Dow Jones trackers which track the market, have very low fees and allow you to spread across the stock market.

 

 

BEST MOMENTS

“Straight away you are at an advantage because you can get it much cheaper.”

“There is an immediate advantage there.”

“They’re inherently risky.”

“Let father time pay it down.”

VALUABLE RESOURCES

https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/
SUBSCRIBE TO THE A NEW INVESTMENT SERIES

Episode:  How To Perfectly Invest £250,000 |Property | Stock Market | Business
Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV
Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

ABOUT THE HOST

Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.

ABOUT THE GUEST

Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur."

"If you don't risk anything, you risk everything."

CONTACT METHOD

Rob’s official website: https://robmoore.com/
Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs
LinkedIn: https://uk.linkedin.com/in/robmoore1979

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Do you want to become a sophisticated investor making large, sustainable and scaleable returns on your investments? In this episode of the ‘How To Invest For Maximum Returns’ mini-series Mark and Rob go big advice, tips, tricks and the fundamentals of investing £100,000 in the best property strategies, proven business models and appreciating assets such as classic cars and vintage watches. Tune in and discover the tried tested BRR property tactics that can make you over £1,000 per month along with new properties every 8 months and why a bootstrapped business model could be the best return on your investment yet.

WATCH ON YOUTUBE

How to Perfectly Invest £100,000 | The Best Stocks | Property | Gold & Classic Cars

SUBSCRIBE TO THE SERIES

Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

KEY TAKEAWAYS

• When investing always keep 10% contingency back as a reserve. Being liquid is really important when things change, cash is needed to cover costs and pay bills and if you have no liquidity in your business you may struggle when cashflow is needed and your cash is tied up in investments

 

Property: £100,000 investment in the BRR single-let property strategy will get you started with three units that you can roll over continuously and by getting your initial deposit back out you can leverage the bank’s money to purchase three more single-lets, refurbish and refinance them every 9 months and you can quickly build up a property portfolio.

 

Property: A £100,000 investment opens the doors to new property strategies such has high-end HMO’s of at least five bedrooms. Done correctly to a high specification on a property where you can add value and you’re able to get an investment valuation to retrieve your initial deposit, this property strategy can generate up to £1,000 per month and you can easily recycle the cash onto your next investment.

 

Appreciating Assets: Classic cars such as the Ferrari Testarossa, Porsche 911 and 997 GTT are good investments are this price range as they’re in limited supply and good demand. Vintage watches such as Patek Philippe Nautilus and Rolex Daytona’s are solid and sought after assets that will steadily go up in value over time.

Business: By blending the sweat-equity model with a portion of your £100,000 investment and good knowledge of the market you’re entering you will see huge returns on your initial stake. If you bootstrap your business by reinvesting all of your sale cash back into the business with a lean focus on systems and marketing and prove that the business model works and it can be scaled.

 

BEST MOMENTS
“On balance fixed-rate mortgages have always cost us more, it’s effectively an insurance policy”

“To avoid early redemption payments, always refinance with a new lender”

“BRR-HMO investments are the quickest way to build income and build cashflow”
“Always max out your ISA every year by putting in £20,000”

“The older the Daytona you get the better but beware of frankenstein models”

“Prove that your business model works first before using all of your investment”

 

VALUABLE RESOURCES

https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/

ABOUT THE HOST

Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.

ABOUT THE GUEST

Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur."

"If you don't risk anything, you risk everything."

CONTACT METHOD

Rob’s official website: https://robmoore.com/
Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs
LinkedIn: https://uk.linkedin.com/in/robmoore1979

 

 

 

 

 

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Welcome back to episode four of the How To Invest For Maximum Returns’ mini-series. In this episode, Mark and Rob unwrap the perfect investment vehicles for an initial £50,000 investment and share with you the risks, rewards, capital gains and opportunity investments in property, stocks and shares and new start-up business models. Listen in and discover exactly how to get more than 20% return on your investments, how to leverage your initial stake for higher returns, why it’s important to diversify your portfolio and why starting and scaling a business can still be one of the best investments you can make today.

WATCH ON YOUTUBE

How to Perfectly Invest £50,000 | The Best Stocks | Property | Gold & Classic Cars

SUBSCRIBE TO THE SERIES

Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

KEY TAKEAWAYS

Property: For £50,000 you can purchase a freehold house and get a net return including 75% leverage from your 25% residential buy-to-let mortgage on you 15% or more on each property purchase. This is by far the investment strategy with the highest possible maximum return.

Purchase a 130k+ house that could be worth 170k+. Add value with a refurbishment of no more than 10k and roll your initial 25% investment back out and keep going. If you’re able to fully retrieve your deposit by refinancing you will have gained an ROI of 100% and now have a proven appreciating asset and your initial investment back.

 

• With an initial investment of £50,000, you have the ability to diversify your investment strategy. As long as your investing in areas of the country where the population is growing you can secure multiple positive investments for £50-60k, flip the property and also use different property strategies such as But-To-Let, Commercial Conversion or HMO’s dependant on your area. Additionally, you can also keep some of your investment aside to use for tracker funds and other commodities.
  
  

Stocks & Shares. When investing in stocks and shares its a good idea to diversify your portfolio into 15 or more different equities. Smart diversified tracker fund investments with Hargreaves Lansdown or Vanguard with good growth potential are ishare emerging markets equity index class H (accumulation), Vanguard FTSE 100 index (accumulation) and Legal and General index (accumulation). These funds cover blue-chip companies and are a low-risk investment.

Business: A £50,000 investment can enable you to start a number of profitable business models but the ‘sweat-equity’ model whereby you work hard to cut costs and save money, in the beginning, will give you a greater chance of success in the future. Focus on a minimum cost model with the majority of your initial investment spent on marketing to grow your business and sales to generate cashflow. eCommerce (Amazon/Shopify), content and informational based business models are growing marketplaces right now.

 

BEST MOMENTS

“Since investing in property we haven’t sold our properties, we’ve simply kept on rolling our investments on with our existing portfolio seeing a 10% capital gains.”

“The sterling value is decreasing as the currency inflates and mortgage rates go down”

“You won’t get a better ROI on your investment than property”

“Why would you not borrow money at 1.5% and invest it to make 15% or more.

“Buying your own home is a blessing”

“You could turn a property into an HMO, increase your rental income along with the capital gains and see returns of 20%+. There is no better investment strategy for maximum return than property.”

“With a residential property, you can get 75% leverage on your initial investment”

 

VALUABLE RESOURCES

https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/
https://www.vanguardinvestor.co.uk/
https://www.hl.co.uk/

ABOUT THE HOST

Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.

ABOUT THE GUEST

Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur."

"If you don't risk anything, you risk everything."

CONTACT METHOD

Rob’s official website: https://robmoore.com/
Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs
LinkedIn: https://uk.linkedin.com/in/robmoore1979

 

 

 

 

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Listen in to episode three of a Mark Homer’s brand new mini-series on ‘How To Invest 25k’ for maximum returns. In this episode, Mark and Rob dive into the perfect investments you can make with £25,000. Join in as they cover the top investment strategies and their risks and their returns from property tactics and fundamentals to what industry to start, grow and scale your business in and which investment stocks, shares and trackers you should be adding to your portfolio.

WATCH ON YOUTUBE

How to Perfectly Invest £20,000 | The Best Stocks | Property | Gold & Classic Cars

SUBSCRIBE TO THE SERIES

Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

 

KEY TAKEAWAYS

Property: For £25,000 you can quickly and easily source a buy-to-let property that has an opportunity to add value. Aim to purchase in a cheaper area of the country so that you can roll that capital investment into further single-lets after refinancing.

Business: A £25,000 investment can enable you to start a number of profitable business models but the ‘sweat-equity’ model whereby you work hard to cut costs and save money, in the beginning, will give you a greater chance of success in the future.

 

Shares: £25,000 can easily be put into tracker funds or single equity investments although at a higher risk. It’s a good idea to spread your shares around for minimal risk and maximum return. Investing in the top 10, premium bonds and precious metals can help to diversify your portfolio.

If £25,000 is all you have you invest, with no contingency but still want to get a maximum return Rent2Rent property investing is the quickest way to generate a monthly passive cashflow. It would be wise to keep £5,000 aside as a backup and seek a JV partner for further property investments

Starting a business can be the best way to see huge return on your investment but you must build your business with minimum outlaw with a maxim spend on marketing to grow your business and generate clients. eCommerce (Amazon/Shopify), content and informational based business models are growing marketplaces right now.

 

BEST MOMENTS

“Premium bonds can yield you a 3% return”

“There have been some big losses with crowd-funding over the recent years”

“The Steel Daytona is a good investment watch to purchase now that will increase in value in the future”

“It’s critical that you love what you’re putting your money into. You need to want to read, learn and become better at the investment that you make.”

 

VALUABLE RESOURCES

https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/
https://www.vanguardinvestor.co.uk/
https://www.hl.co.uk/

ABOUT THE HOST

Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.

ABOUT THE GUEST

Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur."

"If you don't risk anything, you risk everything."

CONTACT METHOD

Rob’s official website: https://robmoore.com/
Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs
LinkedIn: https://uk.linkedin.com/in/robmoore1979

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Are you looking for the best active and passive investment strategies? In today’s episode Mark is joined by Progressive Property Co-founder, Rob Moore to discuss how to perfectly invest £10,000 in today’s economy. Discover how to get the quickest returns on your investment for short, medium and long-term capital growth. Hear Mark and Rob deep dive into asset investments with recommendations on classic cars, vintage watches and hot property investments.

WATCH ON YOUTUBE

How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars

SUBSCRIBE TO THE SERIES

Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

 

KEY TAKEAWAYS

• The quickest returns on an active £10,000 property investment will be when you combine your capital with effort and hardwork and create a business. The best property businesses to start for returns are Rent2Rent, Serviced Accommodation or Deal Packaging, but also consider the option of a JV with somebody else.
  
  

If you’re passively investing £10,000 the safest options are most ISA’s or a portfolio of tracker funds that invest in the FTSE or American spread. Platforms such as Vanguard and Hargreaves Landsdown are recommended to use.

 

• One of the better longerterm passive investments to make is in classic cars and watches. If you do your due-dilligence using sites such as Glenmarch you can track the price of classic cars and their average price sold. With the right research on the right premium brands these investments will increase in value year on year and you will see a positive return.
  
  

eCommerce is a great opportunity for investment, it’s a growing market with huge potential for scale.

 

BEST MOMENTS

“By starting a business and by working hard you will see a better return than any other investment strategy”

“We started our training business with £300 each”

“Put your £10,000 into a business that you’re passionate about so that you’re motivated to grow”

“Purchased non depresiative items”

“Do your own diligence on all your investments”

VALUABLE RESOURCES

https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/
https://www.glenmarch.com/
https://www.hagerty.co.uk/valuation/tool/
https://www.vanguardinvestor.co.uk/
https://www.hl.co.uk/

ABOUT THE HOST

Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.

ABOUT THE GUEST

Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur."

"If you don't risk anything, you risk everything."

CONTACT METHOD

Rob’s official website: https://robmoore.com/
Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs
LinkedIn: https://uk.linkedin.com/in/robmoore1979

 

 

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Getting into investing can be hard, but with the advice from Progressive Property Co-founders Mark Homer and Rob Moore, it just got a lot easier!

Mark and Rob discuss how to perfectly invest £5,000 which an array of investment opportunities and tactics for every entrepreneur to level up their investment strategy. If you’re looking to make a good return on your capital and invest in something you love, this episode is for you.

WATCH ON YOUTUBE

How to Perfectly Invest £5,000 | The Best Stocks | Property | Gold & Classic Cars

SUBSCRIBE TO THE SERIES

Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

 

KEY TAKEAWAYS

• When you are investing, you have to first decide whether you want to use your time in that investment which is called active, or whether you don’t want to use your time in an investment which is called passive.
  
  

£5,000, is a relatively small sum to begin investing so for the highest return it would serve you to invest in a business, invest your time and invest the bulk of your finances in marketing to drive increased sales.

If your passion is to invest in property if may be wise to continue to save until you can move into property investment full time and be smart with your finances by securing loans and JV finance to turn your initial investment into much more.

You could also invest it in stock marketing or ISO, but this is passive and it would take longer to generate a huge amount of money. This would be a slower investment and return overtime but can yield impressive results.

Training and education businesses are a very good investment because you only need to have the internet and a good phone to record yourself. You only need to know something to teach and a paying audience will listen.

Classic watches and cars can generate huge returns if you purchase them at the right price, but it would be more beneficial to invest in a business to generate you the type of passive income you need to invest in wealth-generating assets.

Cryptocurrency is a newer market that can give you a very high return when the price and market cap go up.

BEST MOMENTS

"I would invest it in marketing to generate leads to clients resulting in sales."

“Nothing is truly passive; you have to work hard for you not to work hard.”

“It is important to preserve capital and have contingency cash.”

“Cash protects you in terms of your monthly bills, liquidity and also pay your debts.”

“Invest in something that you love doing.”

VALUABLE RESOURCES

https://www.youtube.com/user/progressiveproperty

https://www.progressiveproperty.co.uk/the-progressive-co-founders/

 

ABOUT THE HOST

Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

 

CONTACT METHOD

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/markhomer1

Facebook: https://www.facebook.com/markprogressive

Twitter: https://twitter.com/markprogressive

 

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Today Mark is joined by acquisition and business strategist and CEO of The Deal Makers Academy Jonathan Jay and together they discuss all things business. Discover today how you can only improve your business skills as the years go on, how to get into a ‘deal flow’ and why implementation will allow you to become hugely successful.

 

KEY TAKEAWAYS

 

• So many business owners think that they only get one shot at the business. The reality is they can do it again and again and get better as the years go one. The expertise and the knowledge that you learn throughout your business ventures are around the acquisition, the stabilisation, the optimisation and then the exit, rather than that particular business.

 

• The only amount of money you should draw as income is the amount of money you need. People see big salaries as a way to boost their ego. However, if you don’t need the money, then what is the point? Leave the money in the company and move it sideways to invest in a property or other things, rather than taking it out and being heavily taxed on it.

 

• Getting yourself into a deal flow is just a piece of marketing. If you get the marketing correct and follow certain processes, you can turn the tap on and create a flow of deals. When you have a deal flow, you become an amazing negotiator because you are not wedded to any one particular deal. You just don’t care if the deal doesn’t happen. You don’t get a deal if you are chomping at the bit to buy something.

 

• The difference between those who succeed incredibly and those who always seem to struggle is implementation. It is not procrastinating over what you want to do, it is just doing it and not worrying about getting it wrong or waiting for it to be perfect. Deliberating over decisions will not always end up with a better result, sometimes you have just got to go for it and trust your instincts. Test things, measure the results and tweak when needed.

 

• As unemployment will inevitably get worse, there is going to be more focus on training people and upskilling them. If the shops aren’t open and there are fewer opportunities in retail, travel and hospitality then people will have to do something else. To do something else you quite often have to learn something new. Investment in apprenticeship and NVQ schemes is a good idea as more people will be looking to acquire new qualifications.

 

BEST MOMENTS

“It is not always about the money, sometimes you just don’t want to be doing something any more”

 

“We’ve made plenty of mistakes, but we’re now in a position where it is running properly. We just aimed the gun and fired it afterwards.”

 

“Whilst everybody else is thinking about it, I am doing it, and getting things done.”

 

ABOUT THE GUEST

Jonathan Jay has bought and sold businesses for over 20 years, buying from private equity firms and selling to them as well, as well a numerous trade deals. The Dealmaker's Academy is a UK leader in training people to buy and sell businesses, without risking their capital.

 

USEFUL RESOURCES

 

https://www.linkedin.com/in/jonathan-jay-3556b230/?originalSubdomain=uk

https://www.youtube.com/channel/UCHmCcfQJpMPLAMPjlTXG7eQ

https://podcasts.apple.com/no/podcast/business-buying-strategies-from-the-dealmakers-academy/id1369703084

https://www.thedealmakersacademy.com/about-us/?v=79cba1185463

 

ABOUT THE HOST

 

Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

 

CONTACT METHOD

 

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/markhomer1

Facebook: https://www.facebook.com/markprogressive

Twitter: https://twitter.com/markprogressive

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Tune in to a brand new and exclusive live investing 12-week mini-series with your host Mark Homer and Progressive Property Co-founder, Rob Moore every Monday at 7PM.

 

Each week Mark and Rob deep dive into the art of investing with actionable advice on investing in business, property, stocks, shares, assets and more with any amount of pounds or dollars, all the way from investing with nothing, up to investing £1 million. At each stage and at each investment amount there will be a different strategy, a different asset class to invest in and a different approach to investing that is tailored to yield the best return.

 

HOW TO WATCH

Watch Live On The Progressive Property YouTube Channel Every Monday At 7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

 

KEY TAKEAWAYS

 

• Discover the fundamentals of investing and why you must preserve capital at all costs, whilst maximising leverage to increase your capital.

 

• Understand low, medium and high-risk investing strategies and tactics from defensive investing in low-risk physical asset classes such as wine, gold or art to high-risk high-return strategies tailored to your investment pot.
  
  

At each stage and at each investment amount there will be a different strategy, a different asset class to invest in and a different approach to investing that is tailored to yield the best return.

 

• Learn the value of compound interest, how to know when and what you can leverage and the difference between active vs passive investing.
  
  

Uncover the secrets to the trade-off between returns on time and returns on capital among all investment classes.

BEST MOMENTS

“One of the best return on investments I’ve ever gotten has been investing in myself and starting a company”

“Each time you rise up and increase your investment pot your strategy will change”

 

VALUABLE RESOURCES

Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV

Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes

 

ABOUT THE HOST

Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

 

CONTACT METHOD

 

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/markhomer1

Facebook: https://www.facebook.com/markprogressive

Twitter: https://twitter.com/markprogressive

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

The property world can be very daunting, particularly the finance side. Join Mark today as he simplifies the hidden costs of property finance and talks you through what to look out for when looking to get financing. Mark discusses the advantages of bridging finances, the hidden expenses in fixed-rate mortgages as well as looking out for exit fees.

 

KEY TAKEAWAYS

• Bridging finance is something that people may choose to use on properties where there may not be any income and traditional mortgages are not available. Bridging finance is usually available on any sort of property and it is really just based on the loan to value, however, it is much more expensive. Often, bridging finance will get you in on the teaser of 0.5% per month, usually by the time you go to exchange it is likely to be more expensive, potentially up to 16%.

 

• Fixed rates are generally more expensive. They are more expensive because effectively it is like an insurance policy against the interest rate rises. The fixed-rate deals over time usually have ended up being more expensive than the variable rate. Generally speaking, the market is offering fixed rates at the premium to the expected average interest rate that you’re going to be charged during the term of the mortgage.

 

• Always look at any exit fees you may face. On investment loans there generally isn’t any, however on bridging loans you may get some for 1%-2%. With development finance, which is the type of finance you will be taking out to develop properties, there can be an exit fee. This exit fee may not always be a percentage of the loan, it could be a percentage of the gross development value of the project, which can be very significant.

 

• If you are going to be doing stuff that is a little bit outside of the box (perhaps you are doing a large HMO), you may find yourself looking towards an Aldermore or Shawbrook type product. They can be great on smaller deals that are outside the box, but they can be very expensive. They may be 5%-6% interest whereas if you went to a high street or to a commercial bank, they might be doing it for 2.5%.

 

BEST MOMENTS

“So often I get people coming to me saying ‘I’ve got this mortgage and it is a really low rate, isn’t it great!’ but it is only a two-year deal. You really need to look at everything in the rounds”

“I generally prefer variable-rate mortgages but I find that fixed rates are a good insurance policy, but you need to pay for that.”

“Just be mindful of that. Do you always want to do out of the box deals if it is going to cost you almost double the rate of interest?”

 

 

ABOUT THE HOST

 

Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

 

CONTACT METHOD

 

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/markhomer1

Facebook: https://www.facebook.com/markprogressive

Twitter: https://twitter.com/markprogressive

‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Are you keen to start a new business venture but don’t know what to expect? Or perhaps you’re running a business and wanting a helping hand? Join Mark Homer today as he discusses the hidden costs of running a business. Discover the importance of not hiring cheap employees, having enough cash in the bank to survive a recession and being able to adapt to new industry standards.

 

KEY TAKEAWAYS

• Hiring cheap employees can potentially be a huge hidden cost when running your company. When you want 10/10 employees you have got to pay for them, they will be worth three or four times more in revenue than a poor employee. They will also save you a lot of money in losses and costs.

 

• A hidden cost of running a business is buying unnecessary products to furnish your offices. These can cost a company tens of thousands of pounds when starting a company when they don’t have much cash in the bank. It is much more important and worthwhile to put your money into marketing, sales and growing your business. The material items can come later.

 

• Not keeping cash can be a huge cost to the business. You do need to keep some cash, as we have seen through this COVID period and the previous recession there are some businesses who did not have cash in the bank. These companies were unable to switch their business model and ended up going bust. Be focused on keeping good chunks of cashback to ensure your business can carry on trading.

 

• When the market changes, competition comes along. You need to be able to adapt your business, if you’re standing still and staying the same you will no longer be relevant. You won't have adapted to the market as it has changed and you will end up going bust. The competition will come along, your customers will want other things and your competition will respond to that and take your business away from you.

 

• Diverting time into nonsense. Lockdown has been a great eye-opener for how much nonsense was really going on in daily life. Unnecessary travelling, phone calls and other distractions take place in the office each day which do not serve many purposes to your business. Focus on your income generating tasks so that you are not getting diverted into other issues that are not productive.

 

BEST MOMENTS

“Only hire 10/10’s. Pick the best, surround yourself with great people.”

“The best businesses start in the garage with nothing and grow their revenue stream. That is the most important thing.”

“Businesses do not go bust due to lack of profit, they go bust due to lack of cash.”

 

ABOUT THE HOST

 

Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

 

CONTACT METHOD

 

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/markhomer1

Facebook: https://www.facebook.com/markprogressive

Twitter: https://twitter.com/markprogressive

‘Brought to you by Progressive Media’: https://progressivemedia.uk/