Here we are! Episode 19 of 'Inside Property & Finance'—the podcast that takes you deep into the world of property growth, from zero to property hero! In this episode, Steve Hand and Paul Rawson from Express Mortgages delve into the fascinating journey of transforming from a first-time landlord or investor to a property entrepreneur with a portfolio that could have hundreds of properties.

Join us as we explore the diverse paths that individuals take to achieve property success. Some may take over 20 years, while others achieve remarkable results in a shorter span, all thanks to the power of knowledge. From the humble beginnings of a 2-bedroom starter Buy-to-Let to venturing into HMOs, Serviced Accommodation, expanding to a diversified Portfolio, transitioning from Commercial to Residential, and even building a New Build from the ground up.

Discover the key strategies that can propel your property growth and understand the pivotal role of expert advice and in-depth knowledge. As seasoned mortgage brokers with years of experience, Steve and Paul provide valuable insights into the various funding options available, each tailored to meet different needs and criteria.

But here's the real secret — whether you take 20 years or less to achieve your property goals, the difference lies in taking action, and thinking PROFIT. Learn how to leverage your success and roll it into the next project to truly accelerate your game.

Don't miss out on this wealth of knowledge and inspiration. Tune in to Episode 19 and take the first step towards your own property success story.

Welcome to Episode 18 of 'Inside Property & Finance' – the go-to podcast for all things property and investment strategies! In this episode, hosts Paul and Steve from Express Mortgages tackle a burning question for first-time landlords: What sort of property should you go for when diving into buy-to-let investments?

Comparing the decision to picking a life partner, Paul and Steve explore the nuances of property choices for budding landlords. Paul advocates for houses over apartments and breaks down the reasoning behind his preference. The duo delves into the crucial factor of risk assessment associated with different property types, providing valuable insights for those trying to figure out the complex world of property investments.

Drawing from their own extensive property portfolios, the hosts emphasise the paramount importance of location, emphasising that the key to a successful investment often lies in the mantra: location, location, location. Steve recounts his personal tale of two properties in Liverpool, situated just a 5-minute walk from each other. One thrived with impressive capital growth, while the other faced challenges – Steve candidly shares the reasons behind these outcomes.

In a fascinating twist, Paul puts Steve in a metaphorical time machine, prompting him to advise his 20-years-younger self on property investments with the knowledge he now possesses in 2024. Steve's insightful response? Be aggressive whilst you’re young, use your time for recovery, and leverage the use of other people's money even if you have a big pot of funds. He also stresses the importance of continuous education in the ever-evolving world of property and finance which we strongly advise checking out the education programmes at Paul McFadden Wealth.

Whether you're a seasoned investor or a first-time landlord, this episode is packed with practical tips, personal anecdotes, and strategic advice to guide you through the maze of property investment. Tune in to 'Inside Property & Finance' Episode 18 and take a step closer to mastering the art of real estate success!

Welcome to Episode 17 of 'Inside Property & Finance'! In this episode, hosts Steve Hand and Paul Rawson from Express Mortgages delve into the intriguing world of non-standard income sources. With a staggering 40% of the population deriving income from unconventional channels, understanding how to navigate the complexities is crucial.

Tune in as Steve and Paul reveal the challenges faced by clients seeking maximum borrowing for mortgages, whether it's for residential properties, buy-to-let investments, or bridging and development projects. The spotlight is on non-standard income streams, including complex income, self-employed earnings, and multiple sources of income.

Ever wondered about the hurdles faced by side hustles? Not all lenders embrace 100% of income from these ventures. And for the self-employed, the misconception of needing three years' worth of accounts is debunked – Steve and Paul set the record straight on what lenders really require.

Discover why turning to a broker is essential for non-standard income situations. While your own bank might suffice for using a fraction of additional income, a non-high street lender may be the key when you need to factor it all in. Luckily, Express Mortgages have exclusive access to such lenders that the general public may not be aware of or even have access to themselves.

But it's not just the self-employed facing challenges. Complex income affects the employed too, especially when it comes to overtime, bonuses, and allowances. Unravelling the intricacies of an NHS payslip may just make your head spin!

And for those with unique side hustles, fear not – whether you're selling photos of your feet or engaged in any unconventional income-generating activity, Express Mortgages’ mission is to find a lender who will recognise and consider it.

Don't miss out on the insights and valuable tips shared in Episode 17. It's a must-listen/watch for anyone earning non-standard income. Subscribe now and stay informed!