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10 posts from March 2008

March 31, 2008

Taking Advantage of the current Market Conditions

SPRING CLEAN YOUR PROPERTY BUSINESS!

4walls_live_pic Theme for the next Networking Event: -

Taking Advantage of the current Market Conditions

click here to register for the next meeting on the 12th April.

Dear Fellow Investors,

Time is flying by, and our next networking event is on the horizon.  Don't let April showers dampen your enthusiasm for property!  Our April networking event is once again set to be packed full of the latest and brightest property intelligence, and we are adopting the theme of "Taking Advantage of the current Market Conditions".  For those of us who are keeping the faith with property investment, now is a brilliant time to snap up some Spring bargains and we'll be giving you the low down on how to benefit from the current challenging conditions!

Many of the most successful business people and entrepreneurs in the world made their fortune when times were at their hardest - because they saw an opportunity where other people didn't.  At our event, we will be helping you identify opportunities and move your portfolio forwards, while other people are sitting on the sidelines and doing nothing.  There are rich pickings for those who are persistent and who think outside the box.

Following the outstanding feedback from the March event, we are keeping the balance of presentations and networking the same, as everyone felt it was perfect!

Adrian Todd, an investor from Nottingham, had this to say about our last event in March:

"Just wanted to thank you for inviting me to today's event and reiterate how good I thought it was.

It seems to me that you are aiming to provide EXACTLY WHAT MANY INVESTORS NEED. To my mind those things are good advice, imaginative ideas, ethical services and renewal of enthusiasm for the cause. Also, I am sure I am not alone in finding property sourcing/purchasing/investing quite a lonely and isolating experience at times therefore the opportunity to chew the fat with others in very similar boats has enormous benefits."

Adrian, Nottingham.

For a full report of our last event, click here

The next 4 Walls And A Ceiling networking event is taking place on Saturday 12th April at the Holiday Inn in Guildford from 12.00 noon to 5.00 p.m.

We're working hard to put together an action-packed agenda for you which will include the most effective mortgage products to use for your deals.  We will be finding products on the day before the event, to bring them to your attention on Saturday, thereby giving you the very latest financial intelligence available.

If you would be interested in attending, please email events@4wallsandaceiling.com to register.  Many people have already pre-registered, so please do email us asap to avoid disappointment!

Entry is £10.00 on the door to cover the cost of room hire and this includes a serving of tea/coffee on arrival.  However, if you bring two other people along, you get FREE admission for yourself.

If you introduce five new people to our event, you will receive a FREE copy of our fantastic Investor's Kit (RRP £39.95) that contains all the letters you need to be a professional Landlord, along with our famous Stacker/Tracker software that works out if a deal stacks or not!  Your property business needs this kit to save you time and money.

Do not work in isolation, come and join a dynamic group of people and help move yourself forwards through the momentum of the network.  If you have been "thinking about investing in property", but have yet to start, why not come along to see how 4 Walls And A Ceiling can help you take the first steps safely and profitably?

Remember:  "Poor people work, rich people network".
The choice is yours!

For further information on the events, products and services we offer, or to sign up to our fantastic "property intelligence" newsletter, please visit:

www.4wallsandaceiling.com

click here to register for the next meeting on the 12th April.

Thank you again to everyone who supported our event and we hope you got value from it.  Judging by the tremendous feedback, you did!!

"Fascinating presentation that was down to earth but very professional.  The whole package was very impressive".

Mark Race

"Very useful.   I came away with 11 action points to follow up.  I met 7 network contacts who I did not know before I entered the room."

Adrian Standing

"We have been working long, sometimes unsociable hours and have lost direction in our future.  This has given us both a chance to re-focus on property investment to make us MONEY!!".

Keith & Lesley Ellis

"We have a few properties but none are making positive cashflow.  Need perhaps HMO's to cover shortfalls BUT I can take home today some knowledge to help me on my way".

Liz Franklin

"Very enjoyable, educational and worth it".

Tom Gandl

"Great Job!  Relevant topics, lots of new ideas and inspiration!".

Graham Turrell

"I will reassess my property portfolio after attending the seminar to create better positive cash flow as I have formerly concentrated on capital growth.  4wallsandaceiling will help me to achieve this goal as well as source great property deals."

Elly Nunn

"Amazing information.  Would recommend it to everyone from Newbie to Expert!"

Sonny (Surinder) Walia

Judging from the above, you can't afford to miss our networking events!!.  Our next event is on Saturday, 12th April and you can pre-register now at

events@4wallsandaceiling.com.

See you there!!

Our thought for the day:
"When the student is ready, the master appears"
Buddhist proverb

March 27, 2008

Warning to banks as King hints at April cut

Warning to banks as King hints at April cut

4wallsandaceiling.com Newsletter

Source: - Simon English, Evening Standard

Nick says…

This is good news.

As expected Merv King has “hinted” at a rate drop from 5.25% - 5% (which is expected to go down further before the end of the year).

There is a delicate balancing act that he has to achieve to keep our economy on the straight and narrow, and clearly he has some work to do to keep it as such.

I’m glad I don’t have that job!

However, there are x2 points that I have pulled out of this body of writing that are refreshing.

1.    King said there were 'two quite different policies and two separate sets of circumstances' in Britain and recession-bound America. This, in my opinion, has always been the case… not that we can be arrogant about the situation but as a country, economically we are still in a commanding position.
2.    King said “Closer regulation of financial services is inevitable in the wake of the crunch…the pain that will be suffered by the financial institutions this year will keep minds focused on it for a number of years”. Great, bring it on.

What does this mean to us Landlords?

Financially we are in a “consolidation” period in this country at the moment, but as the year progresses and goes into 2009, in my opinion, it will get better as time goes on.

It’s not going to be as easy as it has been to find the financial products that we have been used to over the last few years, however, that does not mean that it will be impossible either. It’s just that we are going to have to work a bit harder.

Having said that because of this situation it means that “sellers”, who ever they are will be finding it tough to sell their property/ies… which is goo for us.

More importantly the knock-on effect is that, in theses conditions, rents will have a tendency to rise. My own circumstances can confirm this.

A few weeks ago we received a document from Mortgage Express, who did a survey of 2000 landlords, of which the conclusions were quite intriguing: -

1.    For rental statistics over the last 12 months 52% stated it would stay the same, 38% said it would rise and only 2% said it would be lower. (The rest were don’t know or not stated)
2.    For rental statistics over the next 6 months 33% said it would rise, 62% said it would remain the same and only 1% said it would go down (the rest were “don’t knows”)

From what this tells me is that the market place is still buoyant and confidence is still there.

Picture_4_2

The Bank of England today paved the way for a reduction in interest rates next month but warned it will not follow the aggressive cuts seen in the United States.

Governor Mervyn King said the financial crisis has 'moved to a new and difficult phase' as the deepening credit crunch increases the risks of a sharp slowdown in the economy.

He said 'Yes' when asked by MPs on the Treasury Select Committee if the tighter lending conditions mean interest rate cuts are more likely.

Economists said King's dovish comments suggest he could vote for a rate cut as early as April after resisting such calls this month. The Bank has already reduced rates from 5.75% to 5.25% since December.

Howard Archer, of Global Insight, said: 'We now expect the Bank of England to trim interest rates by a further 25 basis points to 5% in April rather than in May as we had previously forecast. Further out, we expect interest rates to fall to 4.5% by the end of the year and to 4% in the first half of 2009.'

However, King was adamant that the UK will not follow the same path as the US, where the Federal Reserve has slashed rates from 5.25% to just 2.25% in recent months, including a cut of 75 basis points last week.

King said there were 'two quite different policies and two separate sets of circumstances' in Britain and recession-bound America. 'This is not an economy that has ground to a halt,' he said, adding that conditions in the US are 'materially worse' than in the UK.

He added that inflation is still a major concern, having hit 2.5% in February and now heading towards 3% - well above the 2% target.

King said the Bank faced 'a difficult balancing act' between rising inflation and slowing economic growth. 'We are not going to lose control of inflation in this country,' he added.

He also signalled that the era of unfettered liberalism in the banking system is coming to an end, condemning the 'hubris' of bankers whose bad decisions had brought crisis to the City.

'There's a lot of hubris around in thinking expansion of financial services was a good in itself,' he said. 'It's not, it's a means to an end.'

King said closer regulation of financial services is inevitable in the wake of the crunch. Financial institutions 'will have to hold more capital in the longer run', and have their activities 'monitored more carefully' - although he said it was not the time for 'knee-jerk reactions'.

'I think the pain that will be suffered by the financial institutions this year will keep minds focused on it for a number of years,' he said.


4walls_live_pic



At 4wallsandaceiling.com we hold networking/seminar events and frequently discuss such topics as the above. If becoming part of this dynamic group please register here, Click here, to be kept in touch.

March 26, 2008

Seeing signs of a British Recovery...

Seeing signs of a British Recovery...

4wallsandaceiling.com Newsletter

Nick Says...

Even the Germans and the Yanks see the light!!!... after all it's not rocket science!

After record losses in property investment, some see buying opportunities.
Source:- Los Angeles Times

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Calling the bottom of the British property investment market is a high-stakes game no one wants to get wrong.

The risk of "catching a falling knife," experts said, has stopped any widespread return to the market. Most investors are looking to buy into a market on the way back up -- even if they miss the turning point.

But this is causing a Catch-22: Without deals, it is difficult to obtain an accurate understanding of where the market is; yet without that understanding, there are few willing to risk doing the deals.

So far, it has been equity-rich investors, such as German funds, and the brave, such as the opportunity funds, that have been making the early moves in a British market that has been indiscriminately hit by a fall in prices over the last 12 months.

But with these leading the way, there are signs that some mainstream investors are poised to return to the market. Some are even predicting that prices are set to rise again.

It would be a remarkable turnaround if that proves to be the case after record losses in British property, and the view remains contrarian. Total returns -- the combination of rental income and capital growth -- dropped 7.6% last quarter, the biggest fall in the history of the benchmark Investment Property Databank index. Capital values were down 8.7%.

But Robert Houston, chief executive at ING Real Estate Investment Management, said his company was ready to spend money in Britain again as value has now returned.

"We think that there is a buying opportunity," Houston said. He believes the latest average yield of the IPD index of 5.25% represents the British market's basic fair value.

"Anything more than that we think is fair value, and that is pretty much every sector right now. We don't see prices going down any further, and, if anything, they could go up in the next six months."

Houston said that circumstances were very different from the last severe fall in property prices in the early 1990s, when the market was hit by a three-year downturn.

"The fundamentals are sounder this time, as we don't see tenant demand falling off," he said.

Martin Moore, managing director of Prudential Property Investment Managers, said the nation was now past the crisis point.

"Last year was an extraordinary period even for my 35 years in the industry," Moore said. "We had been surprised how long the market had continued up, but it has corrected so hard that the market is fairly priced. Now is an interesting time to put money back in."

The fact that the sell-off in the market was so indiscriminate has meant that there are opportunities in many parts of the market, he said.

"As we look to the future, we cannot see any clear indications of why we should favor one sector over another," Moore said, though he warned that London had further to fall and that there were question marks over the "more average shopping centers and bulky goods parks."

There are still many who are nervous about returning to the market until there is more evidence the correction is over.

Agents said that the equity-rich German funds can justify paying prices at yields of 5.5%, for example, but are unlikely to go any lower, and so are unlikely to drive further compression of yields in Britain.

This leaves the opportunity funds, which have yet to show any real appetite to buy significant amounts, and sovereign wealth funds, which have so far been content to cherry-pick trophy assets.

"We see prices being cheaper at the end of the year than now," said Andy Rofe, managing director for Invesco in Europe.

A lot of money is coming from German and U.S. investors, he said, but it won't be spent until later this year.

"The U.K. has parallels with the U.S., and investors are wary of catching a falling knife," Rofe said.

Given the levels of uncertainty, however, it will be several months before an accurate picture emerges -- and that will depend on the wider economy.

"Overall, our observations are that, as best it can, the commercial property market is adopting a wait-and-see approach," said Jim Tucker, a partner at KPMG. "There are bound to be asset-specific problems for some stakeholders, and there are opportunists already seeking any assets that come up for sale.

"The next quarter, and the one after that," he said, "is likely to give a much better indication of how far and fast the market will fall, and how widespread the problems will be."

March 25, 2008

House price index March 2008

Click here for the House Price Index March 2008

Nick Says...

Click on the above for the latest House Price Index, courtesy of Rightmove.

Rmlogo_02

March 24, 2008

Buy-to-Let investors boost the health of the whole market.

Buy-to-Let investors boost the health of the whole market.

4wallsandaceiling.com
Newsletter

Nick Says...

No one gives this much credibility, however, it's true we are "propping up" the market.

Take out the "doom mongers" rants and put together the stats, all you have left is fact.... the market place is strong.

Buy to let investors should ignore commentators' suggestions that they received favourable tax treatment, said the Association of Rental Letting Agents (ARLA).

Picture_2_2

The ARLA Review and Index, published last week, said buy to let investors were vital to the health of the whole housing market, and without them there would be little or no choice in housing.

The latest quarterly results showed that 42 per cent of all investment landlords had one or two properties to let, while one out of ten landlords had more than ten in their portfolio.

Results showed that four out of ten investors in the buy to let market had mortgage borrowings with a loan to value ratio between 51 and 75 per cent. A further quarter had borrowed that account for less than half of the value of their residential property investments.

Six out of ten of these investors expected to acquire further properties over the next twelve months and the average life expectancy of these investments was longer than seven years.

Adrian Turner, chief executive of ARLA, said, "Again, our quarterly figures show that investment landlords are in the business of residential letting for the long term. This is vitally important. Without these investors, who have helped to save the private rented sector by re-financing it, there would be little or no choice in housing.

“If that had happened, the probability is that house prices would have risen further and the social rented sector would have buckled under the pressure. So, we must ensure that investors are neither misled nor panicked as a result of ill-informed criticism of the sector."

"Also, it should be made perfectly clear that these investments are taxed on profit and capital gains in precisely the same way as any other investment or business," he said.

March 21, 2008

You must have a better grasp on finance

You must have a better grasp on finance

4wallsandaceiling.com Newsletter

Source; - BBC News 24

Nick Says…

If you have ever seen me speak at various events over the last few years you would have noticed one point that I keep “harping” on about on a regular basis… stay in touch with your “broker” on a regular basis.
This piece of writing below, from the BBC, compounds why.

In the last few weeks we (Vanessa and I) that there are some products we have been offered that have only been “on the shelf” for a 48 hour period! This, we believe, is so the lenders can have the “pick of the crop”, therefore, lessening their risk.

You must have a better grasp on finance. Moreover, what products there are and how to use them.

We, at 4wallsandaceiling.com, as some of you already know have regular events, some of the topics we talk about involve finance. So if this is of interest to you please get in touch or e-mail me at nick.tadd@4wallsandaceiling.com.

Mortgage brokers 'act fast' tip

People who decide on a new mortgage should act fast in the current climate as lenders swiftly change deals on offer, a number of brokers say.

Lenders are being careful to spread their custom across different mortgage products and are taking more care over who they lend to.

It means competitive deals are being pulled at short notice and criteria are changing quickly, brokers add.
They add that the situation has been gathering momentum since the new year.

More than a million fixed-rate deals, typically lasting for two years, are due to expire in 2008.

But banks, who increasingly lack access to money markets to fund additional mortgages, are issuing fewer mortgages than last year.

Repayment worries

One in 20 of those on fixed rates say they have no idea how they will meet repayments when their current deal expires, according to a new survey by body Mortgage Monitor.

The poll said 4% of people with fixed rate deals said that concerns over finances had affected their performance at work and 5% had become physically ill.

People looking to buy a home also face more questions from estate agents wanting to be certain they can finance the property they are buying.

Those who do not have the ability to give a large deposit are also finding that fewer deals are on offer.

Lenders' caution

A lack of confidence in mortgage-backed investments, as a result of the sub-prime mortgage crisis, has trickled down and means lenders are being more cautious.

Mortgages in numbers
14 - number of lenders offering 100% mortgages
88% - average loan-to-value level in January
41 - number of lenders who have cut their maximum loan since the start of December

David Hollingworth, of London and Country Mortgages, said: "They are being much more careful about who they are lending to and how much business they take."

He said that competitive deals were still available, but fears of having "all their eggs in one basket" meant these deals were being pulled at short notice when they became popular.

Ray Boulger, of John Charcol, said the 100% plus mortgage market all but disappeared within four days recently, as lenders did not want to be the "last man standing".

He said anyone coming to the end of a deal should plan ahead by finding out what new deal their current lender was offering. They should also use an independent advisor to get a taste of how the market had changed.

State of the market

Mortgages greater than the value of a property have disappeared almost completely.

The Bank of England

The Bank of England is expected to cut interest rates further in 2008

According to the financial information service Moneyfacts, there are now only 14 lenders prepared to offer a 100% mortgage, compared to 33 in December.

But many other lenders have been quietly raising the minimum deposit they require, which is a particular hindrance to first-time buyers.

Since the beginning of December, 41 lenders - ranging from some of the biggest UK banks to relative minnows - have reduced the size of the maximum loan they are prepared to make.

Many of these now demand a deposit of at least 10% from a borrower whereas before they might well have been prepared to lend 95% or even more of a property's value.

New loans falling

Among the big lenders which have reined in their lending this way have been the Alliance and Leicester, Woolwich (the mortgage lending arm of Barclays), the Britannia building society, Co-op bank, Northern
Rock, Cheltenham and Gloucester (the mortgage lending arm of Lloyds TSB) and most recently the Bradford and Bingley.

In fact the Woolwich has cut its maximum loan-to-value (LTV) twice, to just 75%.
And some smaller lenders, such as local building societies, are equally cautious, now lending at just 65% or 75% LTV.

Under such circumstances it is not surprising that the volume of mortgage lending is slumping.
Last week the Council of Mortgage Lenders (CML) said new loans for home buyers fell to their lowest level for nine years in January, to just 50,300.

Hand in hand with this, the average LTV fell for the first time since early 2005, from 90% to 88%.
The biggest lenders are still prepared to lend at 95% LTV though, among them the Halifax, Abbey and the Nationwide.

March 20, 2008

What the Budget means for property investors

What the Budget means for property investors

Worried that the Chancellor might back-track on plans to cut capital gains tax (CGT) on property?

Picture_1

Investors - worried that the Chancellor might back-track on plans to cut capital gains tax (CGT) on property - will be heartened that Alistair Darling is pressing ahead. From April, people who own second or rental homes will have their CGT bill cut from as much as 40 per cent of their profits to just 18 per cent.

Agents are divided on whether buy-to-let investors, who favour the cheaper homes once snapped up by first-time buyers, will choose to exit the market or will sink the extra profits into yet more properties for renovation and eventual resale.

Some believe that the new rules may offer overwhelmed amateur investors a way out. Neil Chegwidden, head of residential research at Jones Lang LaSalle, notes that the new regime will most benefit those who purchased within the past two years (and would have been liable for the highest rates of CGT under the current system). It is this group of investors - many of them beginners, seduced by the easy money others made in the housing market, but now aware that the market is shakier - who will be most grateful for an opportunity for a low-cost exit.

Sadly, owner-occupiers who might have been hoping to join the fray are increasingly frustrated by a lack of easy credit. Buyers are increasingly facing sudden demands for larger deposits from lenders, a factor that has caused some transactions to fail.

The buying and selling that the CGT changes will probably prompt in cheaper postcodes may also be reflected in agencies in Central London. After years of growth, the health of the market for prime property has been unsettled by changes to non-domicile taxation rules. Estate agents in Mayfair, Kensington and Chelsea have reported that many foreign homeowners are proposing to sell up rather than trust the Government's assurances that it does not not intend to tax them too heavily.

Foreign nationals accounted for 50 per cent of all buyers in prime Central London last year. Jonathan Hewlett, head of residential sales in London at Savills, says: “A substantial proportion of prospective overseas buyers and existing overseas owners have been reviewing their options, pending the outcome of the Government's deliberations.”

Any hope of a reversal of that policy, due to take effect next month, was scuppered with the Budget. Now all that remains is to estimate who will feel the pain most acutely. Lucian Cook, director of research at Savills, says: “The extremely wealthy are unlikely to baulk at the scale of the charge, and so the major concern has been among the brokers, bankers and hedge fund managers.”

March 19, 2008

Review...4 WallsandaCeiling Live! Networking Day – 16th March2008

4 WallsandaCeiling Live! Networking Day – 16th March2008

click here to register for the next one on the 12th April

Thank you to everyone who battled through the traffic and nasty weather to attend our event on Sunday.  We acknowledge your commitment to your property business and your own personal growth and development.  It was great to see some old friends, and also to greet some new faces at what amounted to our most successful and information-packed day yet!

Nick Tadd opened the proceedings with a market brief and a recommendation to everyone to stay in constant touch with their mortgage broker, as products were changing on an almost daily basis!  In fact, some products are only being made available for 48 hours before being pulled!!  Nick also revealed that new tenancies were up 21% in the first two months of this year, compared to the same period last year.  Meanwhile the number of new mortgage approvals in December 2007 had declined by 19%.  This suggests that pressure on rented accommodation is mounting and rents will start to rise, if they are not already doing so.  Nick reported that the Bank of England base rate remained unchanged at 5.25%.  Nick also went through the highlights of the 2008 Budget with respect to property.  There was actually very little to report but we can supply you with a comprehensive budget report, should you require one.

Nick also then went through the latest Landlord’s Survey from Mortgage Express.  This proved that confidence was high as far as the people who are actually doing it (investing in property) are concerned!  The survey also revealed that the most favoured vehicle for investment was terraced houses.  Due to the difficulty of financing new build with low money in, Vanessa and Nick are changing their strategy to purchase terraced houses.  These also generate reasonable cash-flow if purchased significantly below market value.

Next up, the lovely Zara Tippey (Life Coach) did a presentation on motivational skills.  This included some practical exercises for everyone to assess where they were in their investment career, and how to move forwards.  We had excellent feedback about Zara’s presentation, with many delegates commenting that they had had some major breakthroughs in their thinking and could see which areas of their life and business they needed to focus on.  Thank you to Zara for sharing her wisdom with everyone.  (Zara Tippey:  info@headhighercoaching.com).

click here to register for the next one on the 12th April

After a buzzing networking session, Vanessa Warwick was up next with her 15 most valuable investor tips that she has learned over her four year career of investing.  These included how to “project manage” a deal from start to finish, how to become a committed and successful networker, and to negotiate on everything in a property transaction, not just the price of the property.  By strong negotiation, you can minimise your financial input at every turn.  Please email us at events@4wallsandaceiling.com if you would like a copy of her presentation.

Nick Tadd then came back to talk about the benefits of working with a Mentor.  A Mentor is a trusted advisor whose opinion you respect.  They have travelled the path before you and you can use their hindsight as your foresight, thereby avoiding pitfalls and accelerating your results.  Nick then introduced our new Bespoke Personal Mentoring programme.  We have created this due to the number of people coming to us for advice and asking if we could mentor them through their first deals, or help them reassess their current portfolio.  When it comes to mentoring we believe that it is not a case of “one size fits all”, so we have put together a menu of Mentoring services that you can pick and mix from.  There are no expensive course fees up front, and you can pay as you grow!  Prices start from as little as £40.00 for a half hour telephone mentoring session with Vanessa or Yvonne.

Please e-mail me here nick.tadd@4wallsandaceiling.com for further details of our bespoke 1-2-1 property investment mentoring programme.

click here to register for the next one on the 12th April

After a final networking session, Andrew Callen from HowRefreshing.com was on hand to talk about some different property investment strategies to move forwards in these challenging times.  Andrew talked about the importance of understanding and managing the equity/liquidity balance and he was in agreement that the current way forwards was investing in BMV terraced properties and doing refurbs to generate cash to roll from project to project.  He explained an extremely clever strategy to mitigate your tax liability in this regard, which drew cheers from around the room!  This was extremely valuable information and an example of the quality of information we deliver to delegates at our events.  Andrew and Vanessa then talked about identifying areas of opportunity in property investment.  We have identified South Wales as a great place to invest as properties are under £100,000, there is no stamp duty, and there is an extremely high rental demand.  We have thoroughly researched the area and have some property deals available from £5K to £15K TOTAL acquisition costs with positive cash flow from the rent!  We can also source refurbishment projects for you in the area, and help project manage the refurb for you.  Please contact us for further details.

The event ended with Cathy Nash winning a bottle of wine from the raffle!  Well done Cathy.

Our next event is scheduled for Saturday 12th April, so please make a note in your diary now of the details.

We would like to challenge you all to bring two people you know who might be interested in property investment.  As we grow the network, we will all benefit and move forwards through the group momentum!

We will be charging £10.00 entry to cover the cost of the room (includes first round of refreshments).  However, if you bring two people with you, you will have free entry to the event.

click here to register for the next one on the 12th April

Thank you again to everyone who supported our event and we hope you got value from it.  Judging by the tremendous feedback, you did!!

“Fascinating presentation that was down to earth but very professional.  The whole package was very impressive”.

Mark Race

“Very useful.   I came away with 11 action points to follow up.  I met 7 network contacts who I did not know before I entered the room.”

Adrian Standing

“We have been working long, sometimes unsociable hours and have lost direction in our future.  This has given us both a chance to re-focus on property investment to make us MONEY!!”.

Keith & Lesley Ellis

“We have a few properties but none are making positive cashflow.  Need perhaps HMO’s to cover shortfalls BUT I can take home today some knowledge to help me on my way”.

Liz Franklin

“Very enjoyable, educational and worth it”.

Tom Gandl

“Great Job!  Relevant topics, lots of new ideas and inspiration!”.

Graham Turrell

“I will reassess my property portfolio after attending the seminar to create better positive cash flow as I have formerly concentrated on capital growth.  4wallsandaceiling will help me to achieve this goal as well as source great property deals.”

Elly Nunn

“Amazing information.  Would recommend it to everyone from Newbie to Expert!”

Sonny (Surinder) Walia

Judging from the above, you can’t afford to miss our networking events!!.  Our next event is on Saturday, 12th April and you can pre-register now at events@4wallsandaceiling.com.

click here to register for the next one on the 12th April

See you there!!

Our thought for the day:
“When the student is ready, the master appears”
Buddhist proverb

March 12, 2008

4wallsandaceiling Live! Networking Day - 16th March

4walls_live_pic Greetings!

4wallsandaceiling Live! Networking Day - 16th March

Click here to register

Just a reminder that our March networking event is taking place on next Sunday, 16th March from 12.00 noon to approx. 5.00 p.m.  There are only 17 seats left out of the eighty, so please do register your place at events@4wallsandaceiling.com as soon as possible to avoid disappointment.

We are lining up a fantastic educational programme up, as always, and we will also be introducing the "networking board" where you can post your business requirements or questions to the entire room.  This will enable you to make contact with everyone at the event, and increase your networking power and success!!

Also, due to the outstanding success and demand of our U.K. and Cypriot property deals which are low money in with positive cash-flow, we have come to the decision to only sell our deals to existing Clients and those who attend our networking events.  This is because demand is outstripping supply and, as we offer a personal service, we prefer to be able to go through the deal with you in person.  We currently looking at some very exciting U.K. property deals from as little as £12K, including deposit, intro fee, and all acquisition cost's.  These deals will also have POSITIVE CASH-FLOW and they will meet our own personal strict criteria.

Therefore, if you are interested in accessing our fantastic property deals, please get yourself along to our networking event to register your interest with us.

We are working on many products and services that will be of benefit to you in these challenging times and will assist you in moving forwards.

After all, we are full time property investors and Landlords ourselves and are constantly looking for new ways of financing deals and building our own portfolios.  We all attended the Property Investor show at Excel in London recently and have made many new contacts and business deals which be of benefit to you in the future.

We hope to see as many of you there as possible to support you in achieving your property goals in 2008.

Please register your seat at events@4wallsandaceiling.com

Click here to register

March 04, 2008

4wallsandaceiling Live! Networking Day - 16th March

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4wallsandaceiling Live! Networking Day - 16th March

Click here to register

March is nearly upon us, and spring is in the air ... so now's the time to make a date in your diary to attend our next networking event on Sunday 16th March in Guildford.  You'd be as mad as a March hare to miss it!!

For this month's event, we've endeavoured to fine-tune the schedule to give you even more value and more time to network with the many different investors from all over the U.K. that are attracted to our events.  We are committed to putting on a massive value event, and hope to make each session bigger and better.

Jamie Harding, an investor from London, had this to say about our last event in February:

"I am looking forward to all your next events - I really think you are a great team of people and I feel genuinely blessed to have mentors of such high integrity, values, standards and generosity.  You all provide firm support and encouragement, and for that I'm spreading the word as much as I can".  Thanks Jamie!

For a full report of our last event, Click here to read

The next 4wallsandaceiling.com networking event is taking place on Sunday 16th March at the Holiday Inn in Guildford from 12.00 noon to 5.00 p.m.

We're working hard to put together a terrific agenda for you:

As well as up-dating you on the latest market intelligence, our very own Nick Tadd will be speaking about niche marketing to attract tenants to your buy-to-let investment.  Use Nick's strategies to give your property the edge over the competition!  We have had fantastic positive feedback from Nick's presentation about U.K. holiday lets for cashflow from our last event, and this is a subject that we will be looking to revisit in greater detail in the future, using our cottage on Camber Sands as a case study.

Point in fact that one of the delegates from the last event went straight out and put the strategy into practice and is in the process of bringing a deal to a successful conclusion!

Zara Tippey, acclaimed Life Coach and Property Investor, will be talking about motivational skills and how to move yourself forwards.  Zara will be working with delegates at the front of the room, and also giving you some practical exercises to improve your skills.

And ... Vanessa Warwick, Finalist in the Bradford and Bingley Female Investor of the Year Awards,will be presenting her Top Investor Tips for improving your results and performance which she has learned from her four years experience of investing.  This will be particularly beneficial to novice investors as Vanessa will be revealing some "trade secrets" and giving you a step-by-step plan to follow.

If you would be interested in attending, please email events@4wallsandaceiling.com to register.

Many people have already pre-registered, so please do email us asap to avoid disappointment as we are quickly outgrowing the largest room available!

Entry is £10.00 on the door to cover the cost of room hire and this includes a serving of tea/coffee on arrival.

However, if you bring two other people along, you get FREE admission for yourself.
If you introduce five new people to our event, you will receive a FREE copy of our fantastic Investor's Kit (RRP £39.95) that contains all the letters you need to be a professional Landlord, along with our famous Stacker/Tracker software that works out if a deal stacks or not!  Your property business needs this kit to save you time and money.

Do not work in isolation, come and join a dynamic group of people and help move yourself forwards through the momentum of the network.  If you have been "thinking about investing in property", but have yet to start, why not come along to see how 4 Walls And A Ceiling can help you take the first steps safely and profitably?

Remember:  "Poor people work, rich people network!".

Deal Alert!

We are shortly going to release 3 x 4 bed/3 bath executive, high specification town houses a private gated development in Oxfordshire that will be available on a first come, first served basis to our clients.  This deal will be formatted in a very low money down format.  Please register your interest now to receive the deal mail-out as these houses will sell out immediately as it is such a rare and fantastic opportunity.  Vanessa has been working on getting this deal done for two months and we will be purchasing one ourselves, which should give you confidence.

Please email your interest to nick.tadd@4wallsandaceiling.com

For further information on the events, products and services we offer, or to sign up to our fantastic "property intelligence" newsletter, please visit:  www.4wallsandaceiling.com

Our thought for the day:

We are what we repeatedly do. Excellence, therefore, is not an act but a habit.
Aristotle