For many investors, finance is a critical part of the property growth plan – and it can also be one of the more painful constraints if you can't find your way through the mortgage minefield.

So it's always important to keep on top of what's happening in the mortgage market, and never more so than now – with lenders grappling to come to terms with a whole new set of restrictions that have just come into effect, and more to come later this year.

In this episode I'm joined by mortgage advisor Simon Allen, who's spoken to most of the main lenders and is here to report back with everything you need to know.

Listen to this week’s show and learn:

- What the new rules are that lenders have to follow as of right...now!
- How lenders have reacted to these changes so far
- The impact they'll have on the amount you can borrow
- The types of lending that are exempt from the new rules
- How Simon is advising his clients to avoid any negative effects
- The next round of changes, which "portfolio landlords" need to be aware of
- How Simon thinks this will all play out over the next year or two


New 2017 mortgage rules: everything you need to know

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Over the last few episodes we've covered various ways of funding property projects, in addition to the familiar options of cash and mortgages. In this episode, I round off the series by summarising my main takeaways and suggesting how to choose the most appropriate form of funding. See this episode on the Property Geek website: https://www.propertygeek.net/podcast/funding-property-project/

Episode 85: How to pick the right type of funding for your property project

Over the last few episodes we've covered various ways of funding property projects, in addition to the familiar options of cash and mortgages. In this episode, I round off the series by summarising my main takeaways and suggesting how to choose the most appropriate form of funding.

Listen to this week’s show and learn:

*Why I believe investors are irrationally scared of bridging finance
*The ways to use bridging to reduce the amount of cash you need
*Questions to ask yourself before you start
*The two critical elements to securing peer-to-peer funding
*The range of peer-to-peer business models, and a potential "gotcha" to watch out for
*When using a second charge or further advance might be appropriate
*The two different types of joint venture model
*At what stage in the investing lifecycle I think joint ventures make sense
*The factors to consider when choosing between different types of financing
*Why it's important to build up your knowledge in advance
*What I'm working on over the summer!

How to pick the right type of funding for your property project

Joint ventures (JVs) get talked about a lot in property, with good reason: after all, if you don't have the cash to do all the deals you want to do, a JV is a way of solving that problem without going cap-in-hand to the bank. But where do you even start with finding someone who might want to lend you money? How do you structure the agreement? And what happens if something goes wrong? In this episode I'm delighted to welcome Jay Booth back to the podcast, to talk about how he's made JVs work for him – and his friends and family. Jay was on the show earlier in the year talking about how he bought and refurbished nine properties in a year, and in this follow-up chat we get into how joint ventures fuelled some of that rapid expansion. See this episode on the Property Geek site: https://www.propertygeek.net/joint-ventures

Episode 84: How to raise funds with joint ventures

Joint ventures (JVs) get talked about a lot in property, with good reason: after all, if you don't have the cash to do all the deals you want to do, a JV is a way of solving that problem without going cap-in-hand to the bank.

But where do you even start with finding someone who might want to lend you money? How do you structure the agreement? And what happens if something goes wrong?

In this episode I'm delighted to welcome Jay Booth back to the podcast, to talk about how he's made JVs work for him – and his friends and family. Jay was on the show earlier in the year talking about [how he bought and refurbished nine properties in a year](http://www.propertygeek.net/buying-refurbishing-9-properties-year-running-business-different-city/), and in this follow-up chat we get into how joint ventures fuelled some of that rapid expansion.

Listen to our conversation and learn:

*What Jay's model is, and what was holding him back
*How he approached his first investor
*The way he structured the deal (and decided how much to offer)
*How he got the agreement drawn up
*Why his first JV worked brilliantly for his partner...but not so much for him!
*The several different types of JV he's used
*What conversations he has with his partners before he lets them invest, and what questions they ask him
*What to be aware of when combining JV funds with a mortgage lender
*The advice Jay would give to someone interested in raising money in this way

How to raise funds with joint ventures

If you own your own home or have buy-to-let properties, you might find yourself with equity you can't access – due to redemption penalties or too-good-to-lose mortgage rates, for example. By unlocking that equity, you could grow your portfolio faster – and in this week's episode, I speak to mortgage advisor Dave Cookson about a relatively little-known way to do exactly that. See this episode on the Property Geek site: https://propertygeek.net/podcast/second-charges

New 2017 mortgage rules: everything you need to know

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