WELCOME
Unlock the potential of professional Property investing.
In less than 90 days, you will have the professional property skills and confidence to secure your financial independence using property investing as the vehicle. Want to know How?
Having built in excess of 300 homes in his career and having been award the Property Weeks Trailblazer of the Year, Aaron Emmett has an immense amount of experience to draw upon in the property mentoring arena.
As Seen on:
ABOUT PROPERTY MASTERY
We will bring you to the next level of Property Investment Mastery.
Transform Your skillset for Property Success
Select the Ideal Investment Area for Your Goals
Master Property Financial Analysis
Achieve Financial Mastery and Cash Flow Management
Understand the Mechanics of Property Investment Deals
How to raise optimal Finance for a deal
Identify Your Personalised Property Strategy
Explore Investment Opportunities Through Joint Ventures
Access our Specialised Property Tools, Systems and Methodologies
WHAT WE OFFER
This is how it works
The End Goal
Become a successful professional property entrepreneur with the knowledge and skills to create your financial independence
Program Length
The program is typically achieved in 90 days based on a self paced learning schedule of 4-5 hours per week.
Follow the process and achieve the results.
You can complete it in your own time, at your own pace from any device, anywhere in the world.
Program Format
You watch the tutorial videos (which are in easy to understand bite size chunks), complete the action items, use the provided tools and templates and spreadsheet.
Ask questions in the private weekly Q&A mentoring sessions.
Support = Results
All mentoring sessions are with a award winning property expert.
After enrolling in the program you will get lifetime access and support, and mentoring to ensure your success.
There is No time restrictions, No upsells, No limited access.
Guarantee
The course has been developed by seasoned professionals with decades of property experience.
Providing proven advise and strategies that work.
If you have not achieved success within your first 6 months with us, then we will continue working with you for free until you do
Community
You will join an active community of property entrepreneurs on the same path using the same proven methods.
We are fostering a community of property entrepreneurs where collective success is our goal.
To build a multi-million-pound portfolio of properties, just doing a course alone isn't sufficient; you need an immersive environment. Property Investors Fast Track offers proven processes, skillset transformation, a supportive community, and expert mentorship.
E-LEARNING
What The Course Includes
Set 1 - Your Success as a Property Investor starts with you. We address the foundations
Productivity Hacks
Learn how to set and achieve goals using the SMART framework (Specific, Measurable, Achievable, Relevant, and Time-bound). Understand how to break down your property investment goals into clear, trackable steps for better results.
Productivity Hacks Cheat Sheet
life skills and hacks to increase your chance of success.
Experiment with these techniques to find what suits your workflow and lifestyle.
The Power of Taking Action: Unlocking Your Path to Success
This module emphasizes the importance of taking action, which is the key to achieving success. Knowledge alone isn’t enough; it’s the implementation that separates dreamers from achievers. Overcoming fear and stepping out of your comfort zone are essential for growth. Taking small steps creates momentum, turning aspirations into tangible outcomes. Active participation and commitment are required throughout the journey. Setting clear, specific goals (using the SMART framework) will keep you focused. Remember, your success depends on your actions. The tools and strategies provided are only effective if you apply them consistently.
Cultivate a SMART goal
This module explains how to set and cultivate SMART goals for effective property investing. A SMART goal is Specific, Measurable, Achievable, Relevant, and Time-bound. It ensures that your goals are clear, realistic, and trackable. For example, setting a target to save £20,000 for a down payment in 12 months while researching 10 potential investment locations. Breaking goals into smaller milestones helps maintain focus and track progress. By using this structured approach, you increase your chances of achieving tangible results, rather than vague aspirations.
SMART Goal Cheat Sheet
The SMART Goal Cheat Sheet provides a structured approach to goal-setting, ensuring goals are clear and actionable. Goals should be Specific (clearly defined), Measurable (trackable with specific criteria), Achievable (realistic and based on your resources), Relevant (aligned with long-term plans), and Time-Bound (set within a specific timeframe). For example, set a goal like acquiring your first investment property in 12 months by saving £20,000 for a down payment within 6 months and researching 10 locations in the first 3 months. Using SMART goals helps maintain focus, motivation, and accountability, making success more attainable.
The Power of Discipline
This module focuses on discipline as a foundational skill for success. Discipline is not about restriction; it’s a learnable habit that empowers you to take control of your actions, thoughts, and emotions. It’s key to achieving goals and overcoming setbacks. By setting clear goals, managing time effectively, and developing positive habits, discipline keeps you focused and productive. It’s a lifelong journey requiring commitment, resilience, and continuous self-improvement. Embracing discipline helps you transcend limitations, overcome challenges, and reach extraordinary results.
Bullet Proof Mindset
This module highlights the importance of cultivating a bulletproof mindset and using positive thinking in property investment. A positive mindset helps you approach opportunities confidently, overcome challenges, and make better decisions. Visualizing success and maintaining a growth mentality keeps you motivated and focused, especially during setbacks. Techniques which can rewire your mindset for success. This mindset shift, combined with actionable strategies, provides the foundation for achieving your property investment goals and staying resilient throughout your journey.
Bullet Proof Mindset Cheat Sheet
Define your ‘why’ and turn it into a purpose statement that reflects your mission and values.
Financial Independence
The focus is on understanding financial independence and achieving a state where your money works for you rather than working for money. Reflecting on personal goals and achievements, the speaker shares how initially material possessions like cars and properties were motivating factors, but over time, personal fulfillment and freedom became more significant.
The ultimate goal is to become an Investor, where money is working for you, generating passive income and allowing you to focus on growth rather than constant involvement.
Key takeaway: To achieve financial freedom, shift from working in your business to working on it and move towards becoming an Investor.
Set 2- Foundations - Finances, Deal Strategies and Modeling
Property Portfolio Investments - How it really works
Financial Freedom: Achieving passive income that covers your lifestyle, allowing work to be optional.
Power of Leverage: Use financing (not just cash) to buy multiple properties, maximizing returns.
Buy, Refurbish, Refinance (BRR) Strategy: Buy undervalued properties, renovate, and refinance to extract capital for the next investment.
Cash vs. Leverage: Leveraged investors scale faster, achieving higher cash flow and more properties.
Exit Strategies: Sell for profit or refinance to hold long-term and build wealth.
Joint Ventures: Partner with others after gaining experience to accelerate growth.
Action & Perseverance: Consistent effort, learning, and resilience are key to success.
Financial Competency - The Start
Financial Literacy is Foundational: Understanding personal finances (assets, liabilities, net worth) is key to building a property portfolio..
Financial Competency: Track your own assets and liabilities to demonstrate financial stability to lenders.
Primary Residence as a Liability: While it may increase in value, it’s not a true asset since it doesn’t generate income.
Set a Solid Foundation: Know your numbers, reduce unnecessary expenses, and focus on building assets.
Experian Credit Score: Critical for securing financing. Aim for an "Excellent" rating.
Mindset Matters: Wealth is about habits and perseverance. Avoid common financial pitfalls and focus on long-term growth.
Initial Capital Requirement: Ideally, start with £25,000 or find alternative sources (e.g., equity release, savings).
Create a Personal Declaration: Commit to managing your finances and reducing liabilities.
Download Worksheets: Use provided tools to track your financial position, set goals, and work toward financial freedom.
Assets and Liabilities and personal finances worksheet
In this lesson, you'll learn how to differentiate between personal assets and liabilities, understand how to create a detailed monthly balance sheet, and identify areas to reduce expenses. You'll also explore the importance of financial literacy, set clear financial goals, and create a personal declaration to strengthen your commitment to managing your finances effectively. This foundation will guide you toward achieving financial independence and building a stronger net worth over time.
Property Strategies
In this lesson, Aaron Emmett discusses the importance of selecting a property strategy that aligns with your current financial position, risk profile, and personal goals. He highlights two primary approaches: investment strategies (buy-to-let, HMOs) that provide steady cash flow, and trading strategies (flips, property development) that generate lump-sum profits but carry higher risks. By focusing on a single strategy, mastering it, and consistently applying it, you can avoid overwhelm and achieve long-term financial success. The lesson emphasizes choosing the right path based on your unique situation to build a profitable property portfolio.
Identifying the Strategy most Suitable for you - Questionnaire
This lesson is designed to help you identify your personal risk profile and determine which property investment strategy aligns best with your current circumstances and future goals. By completing a Financial Risk Profile Questionnaire, you can categorize yourself as Low, Medium, or High risk, which will guide your decision on the right investment approach, ranging from Buy-to-Lets (Low Risk) to HMOs (Medium Risk) and Property Development or Flips (High Risk). It emphasizes aligning your SMART goals, risk tolerance, and financial situation to make informed investment choices that match your profile and help you achieve your long-term financial objectives.
Terms, Expressions and Acronyms
This lesson covers essential property investment concepts such as yield, cash flow, and ROI. It emphasizes the importance of understanding basic calculations to ensure profitability. It also discusses capital appreciation, equity, and leverage, while highlighting the role of market analysis and due diligence. The goal is to help investors make informed decisions by mastering these financial metrics and strategies.
Core Terms, Expressions and Core Calculations Cheat Sheet
This lesson covers essential property investment concepts, focusing on understanding property yields, cash flow, and ROI to assess investment profitability. It emphasizes calculating both gross and net yield, with a focus on real-world scenarios involving property purchases, refurbishments, and rental income. The lesson explains terms such as leverage, equity, and capital appreciation, as well as the significance of cash flow and how to reverse engineer it to determine suitable investment offers. It also provides insight into due diligence, market analysis, and common property terms like
How to Manually Run the Numbers on Deals
This module is focused on understanding the financials behind property deals and how to accurately calculate various property investment metrics. It emphasizes the importance of using numbers, not emotions, when structuring deals. The lesson includes step-by-step calculations, covering topics like property purchase price, mortgage costs, stamp duty, refurbishments, and overall deal expenses. It also explains concepts such as gross and net yield, cash flow, and ROI. The module guides users through stress-testing the deals to ensure profitability under changing market conditions,
How Professionally to Run the Numbers on Deal
The "How to Run the Numbers" module explains an 8-step process to evaluate property deals by focusing on the business aspect rather than emotions. It covers calculating costs like acquisition, refurbishment, holding, and determining cash flow before and after refinancing. Stress testing at 7.5% is included to future-proof the investment. The goal is to ensure a profitable return on investment (ROI) and assess if the property meets the required 25-33% ROI criteria, providing a clear understanding of deal profitability.
Buy To Let - Professional Appraisal
The "Buy to Let Numbers" module provides a step-by-step guide to understanding how to calculate the financial viability of Buy-to-Let (BTL) properties using a spreadsheet. It explains the importance of mastering these calculations as a foundation before moving on to more advanced strategies like HMO and build-to-rent investments. The module walks through the key inputs like purchase price, deposit, acquisition fees, refurbishment costs, and rental income, and it covers stress testing at varying interest rates to ensure profitability in different market conditions. The focus is on understanding the numbers to make data-driven investment decisions, ensuring the deal's profitability
House of Multiple Occupancy (HMO) Professional Appraisal
The module introduces HMOs (Houses of Multiple Occupancy) and explains how they differ from traditional Buy-to-Let properties. Key considerations include meeting licensing and regulatory requirements, such as fire safety doors, smoke detection systems, and locks.
Financial calculations for HMOs are more complex due to the need for refurbishment costs, planning permissions, and furnishing requirements. The module encourages using an HMO calculator to project costs and returns, factoring in acquisition, refurbishment, and ongoing operational expenses (e.g., bills and management fees). The importance of stress-testing at different interest rates is highlighted to ensure profitability under varying conditions.
In conclusion, the module advises mastering manual calculations before using automated spreadsheets and recommends thoroughly understanding HMO-specific nuances to make informed investment decisions.
Property Development (Flip) - Professional Appraisal
The module covers the basics of property development. It involves buying a distressed property, refurbishing it, and selling it for a profit. Key steps include calculating purchase costs, renovation expenses, holding fees, and sales-related fees. It’s important to factor in taxes, professional fees, and any investor returns. Profitability is determined by subtracting total costs from the resale value (GDV). Successful flips require thorough market research and careful cost management to ensure a profitable return.
Property Developers (Flip) Numbers Manually Workbook Resource
To assess a property deal, calculate purchase costs like deposit, fees, and stamp duty. Next, estimate refurbishment and professional fees, adding a 10% contingency. Include monthly holding costs for the mortgage, utilities, and council tax. Determine exit fees like sales agent commissions and legal expenses. Then, calculate total investment required and any external funding needed. Finally, subtract all costs from the sale price to find profit and ROI. This method ensures a clear picture of the deal’s financial viability.
Property Developers Calculator Tools to Automate Processes
Here, we’ll explore various financial scenarios to determine the best profit outcomes, whether through traditional mortgages, cash purchases, or bridging finance. Remember, the key to successful property development is analyzing the numbers, not letting emotions drive decisions. This calculator helps ensure your offers are backed by solid business reasoning.
We test different scenarios using real-life examples. We’ll also look into what happens when properties aren’t mortgageable and how bridging finance can be a viable solution in those cases. Throughout this session, I’ll guide you on how to enter data, assess results, and tweak the numbers for the most profitable outcomes.
By the end, you’ll have a clearer understanding of how to structure deals, work out financing, and present your business case confidently. So, get your calculator ready, and let’s walk through this together!
Cashflow Modelling - Investment Business (BTL & HMO)
This module walks through cash flow forecasting for buy-to-let and HMO investment properties. It explains how to manage initial costs, track expenses, and predict income over time. Key points include forecasting for refurbishment costs, rental income, and refinancing timelines. It emphasizes the importance of cash flow management as the foundation for business stability.
Cashflow Modelling - Property Development (Flip) Deal
This module covers property development cash flow modeling, specifically for flip projects. It outlines how to track expenses, manage budgets, and forecast profitability. Important elements include deposit calculations, refurbishment costs, ongoing expenses, and eventual exit fees like sales agent commissions and early redemption penalties. The module also introduces stress testing by pushing timelines to anticipate cash flow issues.
Set 3 - What to Look for, and how to find it
10 Seconds Disqualifier!
Before diving into property searches on Rightmove, it's crucial to apply the "10-second disqualifier" strategy. This approach helps identify properties that fit the investment criteria quickly. The rule is simple and ensures time is spent only on properties with potential, making the selection process efficient and targeted.
Area Analysis Introduction
This module is all about area analysis — probably the most critical part of your business strategy. Most people get lazy and just go with what they know or guess without proper research. But think about it: your property portfolio’s success is tied directly to the area you choose.
An effective area analysis involves understanding key fundamentals, like anchor points (schools, transport links, employment areas), high rental yields (at least 4% above the current mortgage rate), and potential for capital growth. We'll dive deep into each element to ensure you select an area that meets all the criteria for successful investments. Let’s get started!
Area Analysis matters! - Case Study
The lesson focuses on the importance of thorough area analysis before investing in properties. It explains how proximity to key amenities like schools, transport links, and shopping centers can increase the appeal of a property, leading to higher demand and better rental yields. Capital growth potential is also highlighted as a crucial factor. Properties in areas undergoing regeneration projects or receiving new infrastructure, such as transport lines and shopping centers, tend to see significant increases in value over time. The Aspire site in Slough was used as a case study, showing how predictions
Area Analysis overview of the process
This section covers how to select and analyze potential property investment areas. Start by choosing 10 areas showing growth potential, like new transport links, retail upgrades, or major employers moving in. Prioritize locations within 3 hours of your home, considering news on upcoming developments.
Contact three agents per area—mixing independents and larger agencies—to gather local insights. Focus on anchor points such as transport links, shopping areas, hospitals, and employment hubs. Use this information to refine your list and run financial assessments to identify the best opportunities for yield and capital growth.
Area Analysis Cheat Sheet
This course teaches you how to analyze and optimize property investment opportunities. You will:
Analyze data from 10 areas, focusing on key metrics like yield, ROI, and net cash flow.
Shortlist the best areas for Buy-to-Let (BTL) or House in Multiple Occupation (HMO) investments.
Conduct real-time market research by placing test adverts to gauge demand.
Interact with local letting agents to gather insights on the best streets and avoid poor areas.
By the end, you will be equipped to make informed investment decisions based on detailed research and data analysis.
Area Shortlisting
In this lesson, you'll learn to analyze and shortlist areas using fictional data:
Input Data: Ensure accuracy for effective analysis.
Shortlist Areas: Identify five viable areas by assessing ROI and yield.
Check Saturation: Rule out areas like Newcastle if they are saturated.
Capital Growth: Look for potential growth in areas with good rental returns.
Use KPIs: Guide your decisions with key performance indicators.
Visit Areas: Contact agents and schedule viewings for your top three areas.
Focus on thorough analysis for informed investment decisions.
Overview of Shortlisting 5 Areas
Shortlisting Process
Access the Shortlisting Tab: Open the Shortlisting Tab on the Data Cruncher.
Select 5 Areas: Choose the top 5 areas from your list of 10 using desktop research.
Criteria for Selection:
Ensure they meet KPIs (e.g., 25%+ ROI and £750 PCM net cash flow).
Consider Capital Growth potential (look for new developments).
Qualify Rental Demand:
Conduct Market Research calls or run an advertisement to verify demand.
Check saturation levels to avoid costly mistakes.
Qualifying Your Area Market Research Overview
In this module, we’ll focus on market research through two methods: a quick approach and a comprehensive method. I recommend the comprehensive method, which involves running an advert to gather valuable feedback and data. We'll cover three main aspects: qualifying demand, assessing anchor points, and analyzing tenant profiles. Understanding local demand is crucial for determining rental rates and tenant demographics. For the quick method, you can contact existing advertisers in the area, using a provided Playbook for guidance on questions to ask about available rooms and rental history. We'll also examine proximity to key facilities like hospitals and universities, and distinguish between blue-collar and white-collar tenants. Finally, we’ll learn how to effectively place market research adverts on platforms like Gumtree or SpareRoom while ensuring compliance with technical requirements. This structured approach will equip you to make informed investment decisions in the property market.
Market Research Overview Cheatsheet
In this section, you'll contact the advertiser about a room for rent in the specified area. Using several tried and tested scripts.
Area Analysis - PT3 - Visiting the Area
Welcome to the final part of your area analysis for your investment business model. Focus on understanding your shortlisted areas by visiting them and meeting with three independent letting agents. Ask about recently rented properties within a quarter-mile radius, including average rental prices, time on the market, and tenant demand.
For Houses in Multiple Occupation (HMOs), speak with agents experienced in HMOs and contact the environmental health officer for local licensing regulations. Ask about property conditions, rental prices, and tenant profiles. Check for Article 4 planning restrictions that could affect property conversions.
Gather this information to finalize your investment analysis and prepare for the next steps in your buy-to-let or HMO strategies.
Area Analysis Site Visit Agent Questions
Objective: Identify the best investment area by focusing on lettings rather than sales.
Buy to Let (BTL):
Evaluate 10 areas and shortlist 3 for further research.
Gather contact information for three letting agents in each area.
Ask key questions about recent rentals, average market time, rental prices, and demand for specific property types.
Houses in Multiple Occupation (HMO):
Shortlist 3 areas based on demand, concentration, and tenant profiles.
Collect contact details for letting agents and local authorities (Environmental Health and HMO officers).
Inquire about rental types, location preferences, bedroom counts, and local regulations.
Article 4 Considerations: Understand local regulations affecting HMO establishment and gather information about licensing processes.
Follow-up: which covers HMO standards. Explore the planning portal for recent application data.
BTL KPIs
Summary of Buy to Let Property KPIs: Establishing a solid foundation is crucial for expanding a property portfolio. While buy-to-let (BTL) properties may generate lower cash flow compared to HMOs, they provide consistent income with steady demand and minimal vacancies. Key performance indicators (KPIs) to consider include aiming for a cash flow, targeting high yields of 7-7.5%, and ensuring low price-to-rent ratios. Look for properties below market value that require minimal refurbishment, assess demand with over 40 inquiries monthly, and evaluate supply relative to demand. Lastly, consider the potential for capital growth in the area.
KPIs for BTLs Cheat Sheet
The lesson focuses on the importance of establishing a solid foundation when starting a property business, particularly with Buy-to-Let (BTL) investments. While BTL properties may offer lower cash flow compared to House in Multiple Occupation (HMO) properties, they can be accumulated quickly to build a substantial portfolio. The advantages of BTL properties include consistent income, stable demand, and minimal vacancy periods. Key Performance Indicators (KPIs) for evaluating , targeting high yields of plus maintaining a low price-to-rent ratio, purchasing below market value, and assessing demand and future growth potential in the local area.
HMO KPIs
The lesson emphasizes the importance of thorough area research before acquiring a House in Multiple Occupation (HMO) to ensure success and portfolio growth. Key considerations include aiming for a high cash flow , high yields (above 20%) based on a 5% mortgage rate. It is crucial to avoid areas with prohibitive regulations and to identify demand where there are more rooms wanted than available. A successful market test should yield 25-30 inquiries per month for filling five bedrooms, ensuring low vacancy periods. Additionally, aligning tenant profiles with your investment strategy and identifying anchor points in the area are essential for a successful HMO investment.
KPIs for HMOs Cheat Sheet
In this lesson, we emphasized the importance of thorough area research before acquiring House in Multiple Occupation (HMO) properties to ensure the successful expansion of a property portfolio. Key Performance Indicators (KPIs) to consider include:
Net Cash Flow: Explained, and outlined for you.
Return on Investment (ROI): Target a minimum of 25-33%.
Regulatory Considerations: Explained, and outlined for you.
Demand Analysis: Explained, and outlined for you.
Supply vs. Demand: Explained, and outlined for you.
Market Response: Explained, and outlined for you.
Location: Explained, and outlined for you.
Tenant Profile: Explained, and outlined for you.
Familiarizing yourself with these indicators can save time and money while maximizing investment potential.
How to do Area Analysis Manually Flip (Trading Strategy)
The flip strategy in property development involves buying, refurbishing, and selling properties for profit. It requires thorough market research to understand demand, especially for specific property types. Key steps include:
Market Research: Identify desirable properties and price points.
Engaging Agents: Contact real estate agents to find motivated sellers.
Data Analysis: Make informed decisions based on market data.
Layering Knowledge: Build on previous strategies like HMO and BTL to enhance understanding.
Success hinges on effective area analysis and selecting the right properties to maximize profits and minimize risks.
How to do Area Analysis Manually Flip (Trading Strategy)
Risk Awareness: Flipping is risky, especially in a buyer's market; returns may be uncertain.
Market Research: Align property deals with market demand through thorough research.
Efficient Management: Quick renovations and timely sales are crucial for profit.
Profit Margins: Explained, and outlined for you.
Sales Insights: Explained, and outlined for you.
Balanced Specifications: Explained, and outlined for you.
Backup Plan: Ensure properties can generate positive cash flow if needed as rentals.
Gain Experience: Start with simpler investments before attempting flips.
How to do Area Analysis Manually Flip (Trading Strategy)
Profit Margin: Explained, and outlined for you.
Market Activity: Choose areas with active buying and selling.
Sales Speed: Explained, and outlined for you.
Demand: Identify high-demand property types.
Agent Recommendations: Explained, and outlined for you.
Specifications: How to match property finishes to market preferences.
Rental Potential: Ensure positive cash flow if renting is necessary.
Location: Explained, and outlined for you.
Tenant Fit: Align strategy with your intended tenant profile.
Set 4 - Properties and Appraising Deals
What is Article 4
In short, Article 4 complicates flips and HMO conversions by adding planning permission requirements.
how to never overpay... Work out your max offer price
Here's the key: There's no point in creating a student property where there’s no university or developing a high-end HMO (House in Multiple Occupation) in a low-demand area. You need to understand your market and do proper due diligence. What works for one investor (like a flip) might not work for you if you’re seeking long-term rental income or HMO development.
How do i make an offer? Offering the process
In this module, the speaker emphasizes the importance of having a system in place for managing property offers. After calculating your maximum offer price and making an offer, follow-up is crucial. Regularly check in every two weeks to stay top-of-mind with agents. Persistence is key, as sellers may reconsider over time. The process includes making the offer, following up, obtaining financing, adding value, and refinancing. Regular follow-up ensures you're the first option when sellers become motivated to negotiate. For more details, move to the negotiation module.
Motivated Sellers
This lesson focuses on identifying and managing motivated sellers to secure property deals. Motivated sellers include those struggling with mortgage payments, going through life changes like divorce or job relocation, downsizing, or having their property on the market for over 90 days. To find them, use property portals, monitor keywords like "probate," "auction," or "cash purchase only," and consider direct mail campaigns. Effective communication is key—understand their motivations and avoid projecting your own. Additional strategies include networking at property events, working with estate agents, and handling sensitive topics like probate sales with care and ethical consideration.
The Viewing - Prepare For Your Viewing
During the viewing, focus on identifying problems that will require fixing, as you're looking to add value through refurbishment. Point out any issues to the agent—this is expected. In fast-moving markets, analyze properties quickly and eliminate those that don't work for you.
Take thorough notes for an initial appraisal, which will help you when you revisit for a second viewing. Use a checklist, available in Excel format for download, to ensure you don't miss anything during the viewing. After each viewing, take a final photo or video to remind yourself of key points about the property.
Being prepared and organized will help you make better decisions and save time during the property sourcing process.
What if offer is declined?
In the lesson on handling rejection in property investment, the main takeaway is to expect and embrace rejection as a natural part of the investment process. If you aren't facing rejections, it may indicate that your offers are not aligned with your goals. Maintaining a positive mindset is crucial; view rejections as opportunities for growth rather than failures, as each rejection brings you closer to finding the right property. After a rejection, it's important to follow up promptly with the agent to express continued interest and seek constructive feedback. Politely inquire about the reasons for rejection beyond just price, as this information can provide valuable insights for future offers. Use this feedback to revise your strategy, possibly by adjusting your terms or timelines to enhance your appeal to sellers. Staying active in the market is essential; the more you search for properties and submit offers, the better your chances of success. Finally, building resilience is key in property investing; learn from each rejection, refine your approach, and stay focused on your long-term financial goals.
SOLD Subject to Contract - Approaches
This module explains "sold subject to contract" (SSTC) in property transactions, where a property is under offer but not yet finalized. Interested buyers can still inquire and make offers until contracts are exchanged. About 25% of SSTC deals fall through due to legal issues, presenting opportunities for other buyers. The strategy leverages the likelihood of deals collapsing, making it a valuable tool in property investment.
Set 5 - Financing Deals Properly
Optimising Your Credit Score - How's It Done?
In this discussion on credit scoring, we highlight the importance of maintaining a positive credit score, especially for investors looking to secure favorable financing options. Credit scores, provided by agencies like Experian and Equifax, reflect your creditworthiness and can impact loan terms and interest rates. To improve your credit score, regularly check your credit report for inaccuracies, dispute any errors, and focus on timely payments while keeping your credit utilization below 30%. Building a diverse credit mix and minimizing new credit inquiries can also enhance your score. Establishing good habits, such as setting payment reminders and creating a budget, is crucial. Remember that improving your credit score takes time and persistence, but a higher score leads to better financial opportunities.
Optimising your Credit Score Cheat Sheet
Optimizing Your Credit Score: How It’s Done
Your credit score is a crucial indicator of your financial health, influencing lenders' assessments of your creditworthiness and the terms they offer. To improve your score, start by obtaining your credit report from services like Experian or CheckMyFile. Carefully review it for errors, such as incorrect personal information or unauthorized accounts, and dispute inaccuracies promptly.
Familiarize yourself with key factors that affect your score, including payment history and credit utilization. Tips, ticks and hacks to improve your score quickly and effectively.
The right Lender. Why is Cheapest is Not Necessarily The Best?
The capital stack refers to the different layers of financing used in property projects, indicating the sources of capital and their repayment priorities during financial distress. At the top of the stack is equity, representing the owner's stake and initial investment, which bears the highest risk but also has the potential for the highest returns.
Understanding the capital stack is crucial for both investors and lenders, as it helps assess potential returns, risk profiles, and repayment priorities. Effective structuring of the capital stack can optimise returns and balance risk.
You Have A Home, But No Cash? - Cross Collateralisation Could Be The Key...
In this module on cross-collateralization, we delve into a financing strategy that allows property investors to leverage the equity in their existing properties to secure loans for new investments.
Building Your Team
They explain that you should have both a national team (solicitors, mortgage brokers, accountants, etc.) who provide essential support regardless of location, and a local team (architects, letting agents, contractors) who understand the specific market you are operating in. The speaker encourages using prepared questions to vet potential team members and emphasizes the necessity of creating a cohesive and effective team to support business growth.
Organisation Interlude
Overall, the speaker highlights the simplicity and utility of systems and processes for organizing tasks and managing workflows.
Deal Progression
The presenter outlines a template they've created, emphasizing the importance of organization when handling multiple deals simultaneously. Key components include pre-qualification checks, contact methods, legal processes, and post-purchase tasks, each with checklists to ensure thoroughness.
Set 6 - Refurbishment & Contractor Management
What is Permitted Development Rights? What Will You Need Planning Permission To Do?
This understanding of PDR can help property investors and owners navigate property modifications effectively. If you need more specific information or guidance, feel free to ask!
What Does First Fix and Second Fix Mean?
In construction, the terms "first fix" and "second fix" refer to different stages of installation work within a building project.
First Fix occurs after the structure of the house is built but before plastering. It includes the installation of essential infrastructure, such as electrical wiring, plumbing pipes, and framing. These elements are typically hidden from view once the building is finished.
Second Fix, on the other hand, happens after plastering is completed. This phase involves installing visible fixtures and fittings, like light switches, sockets, taps, skirting boards, and internal doors. It usually takes less time than the first fix and is essential for finishing touches that complete the interior of the building.
Understanding these terms is crucial when discussing progress and needs with builders during a construction project.
Refurbishment Estimator - Prior to Firm Quotes
In construction, the terms "first fix" and "second fix" refer to different stages of installation work within a building project.
First Fix occurs after the structure of the house is built but before plastering. It includes the installation of essential infrastructure, such as electrical wiring, plumbing pipes, and framing. These elements are typically hidden from view once the building is finished.
Second Fix, on the other hand, happens after plastering is completed. This phase involves installing visible fixtures and fittings, like light switches, sockets, taps, skirting boards, and internal doors. It usually takes less time than the first fix and is essential for finishing touches that complete the interior of the building.
Understanding these terms is crucial when discussing progress and needs with builders during a construction project.
How do i find a good builder?
In construction, the terms "first fix" and "second fix" refer to different stages of installation work within a building project.
First Fix occurs after the structure of the house is built but before plastering. It includes the installation of essential infrastructure, such as electrical wiring, plumbing pipes, and framing. These elements are typically hidden from view once the building is finished.
Second Fix, on the other hand, happens after plastering is completed. This phase involves installing visible fixtures and fittings, like light switches, sockets, taps, skirting boards, and internal doors. It usually takes less time than the first fix and is essential for finishing touches that complete the interior of the building.
Understanding these terms is crucial when discussing progress and needs with builders during a construction project.
Preparing Specification - Schedule of Works
This segment discusses the importance of creating a clear and detailed specification (or schedule of works) for construction or renovation projects. It emphasizes that without a well-documented specification, builders might make assumptions, leading to potential issues such as overspending, delays, and misunderstandings.
Getting Quotes
This segment explains the process of obtaining quotes for a construction project. The key focus is on deciding how to manage the work—either by hiring individual tradespeople or by employing a builder to oversee the entire project. While managing trades individually can save money upfront, it often costs more time and stress. Hiring a builder to handle everything is usually more efficient.
The speaker recommends seeking at least three competitive quotes, preferably after meeting several builders to ensure viable options. It’s essential to approach builders that match the size of the project, and clarity is vital—sending a specification document in advance helps builders provide accurate quotes. During the walkthrough, allowing builders to explore on their own ensures thorough assessments.
Changes in specifications should be communicated to all builders equally, and regular follow-ups are encouraged to ensure quotes are received on time. Builders who are unresponsive in the quoting phase might be unreliable during the project itself.
The speaker concludes with a checklist: approaching multiple builders, ensuring the specification is shared in advance, and maintaining consistent communication to secure at least three quotes. Building rapport with the chosen builder is also emphasized.
Appointing the Contractor
This section covers essential advice on selecting and managing a builder for a project. It's crucial not to focus solely on price but specific points which the presenter outlines as critical for success.
HMO Tips
This section provides practical renovation tips for HMO (House in Multiple Occupation) properties.
Party Wall Agreements - Do i need one?
covers the basics of party wall agreements, which are essential when undertaking certain construction projects, particularly those that could impact a shared wall between properties. Party wall agreements are required for projects like extensions, chimney breast removal, or any work involving excavations near a neighbor's foundation.
Set 7 - Refinance, Property Management and Finding more
EPC Ratings - Changes in Regulation
EPCs are mandatory for all rental properties in England, Scotland, and Wales, with a required minimum rating of E since 2008. Valid for 10 years, they ensure compliance, energy efficiency, and impact property marketability. By December 2025, landlords must achieve a minimum rating of C. Improvements like better insulation, modern heating, upgraded windows, and energy-efficient lighting can boost your EPC rating, reducing energy costs and enhancing property appeal.
Energy Efficiency for HMOs
HMO (House in Multiple Occupation) management focuses on efficiency and value for money. Modern tenants prefer all-inclusive rents, which simplify their lives by bundling utilities and other services into a single monthly payment. This reduces setup hassles, allowing tenants to move in quickly and manage finances more easily. To optimize management, landlords presenting tips and hacks to add value.
Property Management
This module covers the essential aspects of property management after refurbishing a property and getting it ready for tenants. The focus is on compliance with legal safety requirements, as failing to meet these can lead to significant fines, potentially up to £30,000.
Property Management - Tools
This module covers the essential aspects of property management after refurbishing a property and getting it ready for tenants. The focus is on compliance with legal safety requirements, as failing to meet these can lead to significant fines, potentially up to £30,000.
Find More Properties - Direct to Vendor Marketing
direct-to-vendor marketing, which focuses on strategies for reaching property sellers directly, particularly after acquiring a property. Key points include:
Utilizing For Sale Signs: Explained, and outlined for you.
Leaflet Drops: Explained, and outlined for you.
Data Sourcing: Explained, and outlined for you.
Direct Mail Techniques: Explained, and outlined for you.
Behavioral Insights: Explained, and outlined for you.
Follow-Up Strategies: Explained, and outlined for you.
Innovative Approaches: Explained, and outlined for you.
Overall, the module emphasizes a personalized, thoughtful approach to marketing in real estate, leveraging existing property activities to stimulate interest among potential sellers.
About Us
At Property Mastery, our team help investors turn knowledge into results. With over a decade of experience, our resident expert, Aaron Emmett, has been recognized as Property Week’s Trailblazer of the Year. He and our other experts provide practical strategies, hands-on mentorship, and a supportive community to guide you through sourcing deals, mastering financial analysis, and achieving financial independence.
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– Emma G.
"I was really struggling in terms of raising finance for starting my property business. Aaron opened me up to cross collateral. Basically I would joint venture with my father in using his property as collateral in order for me to purchase my first property through a mortgage. Massive thank you to Aaron!"
Jhon R.
"I sought Aaron's help in helping me stack a potential lease option deal. Aaron provided me with a lot of clarity by giving me the different calculations involved in stacking the deal, securing the rent, securing the price to buy now, and the concept of a lease option. Aaron also gave me the script to speak to the landlord. He told me the steps involved in securing my first contract and he left me with a plan of action"
Alex J.
