Mark hosts an informal session answering attendees' questions on property investing and business. Topics covered include managing tenant arrears, using AI systems, recovering securing finance, choosing property strategies and leveraging technology to remove reliance on people. Mark provides his famous direct, no-nonsense advice, drawing on his extensive experience. The session offers valuable insights for property investors and business owners alike. KEY TAKEAWAYS Pursue former tenants with county court judgments using options like winding-up petitions to pressure payment, despite the costs involved. Expect Bank of England base rates to remain around 4-4.5% through 2025 before dropping, according to trading market predictions. Resolve cladding issues for financiers by providing EWS1 reports showing remediation works address combustible materials. Get multiple assessments when handling property contamination like asbestos to determine actual risks and remediation needs. Institute gradual rent increases for retained tenants to keep pace with market rates and offset rising mortgage costs. Leverage technologies like AI wherever possible to remove reliance on staff and minimise people management headaches. Seek out self-motivated employees requiring minimal oversight to avoid poor performance issues plaguing growth. BEST MOMENTS  "I issued a winding up petition on a care company...it probably cost four or five grand, but it's existential for them." "I check our rents once a month...I look back and a block we finished two years ago...Those rents are now going up 40%."  "When you attack landlords...then rents have to go up to a level where it works again. That's the adjustment that's taking place." "I'm looking forward to that because apparently this can remove quite a bit of admin. I would put as much technology in as possible."   VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/

In this episode, Mark gives his thoughts on recent property news. He talks about current planning restrictions, ground rent problems and gives his educated opinion about the new suggested help-to-buy scheme from Jeremy Hunt. KEY TAKEAWAYS Jeremy Hunt is looking at creating a similar scheme to the previous help to buy where the government helps fund houses for buyers, including on existing homes. The previous help-to-buy schemes were often overpriced and put lenders and the government at some risk. Planning is preventing much-needed house building. Until this changes we can’t tackle the housing crisis in the UK. There is a government consultation that has just been completed to cap extortionate ground rents for existing leases. BEST MOMENTS  "Jeremy Hunt is looking at reintroducing a help-to-buy type scheme” “It was a great gravy train for the developers” “They’re not building anywhere enough, due to planning” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Two of the most talked about issues in the country in regards to housing, are how the next generation will afford it and the impact migration and immigration are having on the housing shortage. Mark joins Nigel Farage on GB news to discuss this and the promises of house building from the current secretary of state for housing Michael Gove. KEY TAKEAWAYS Michael Gove has said the government can and will override local government and council decisions around housing. Nigel Farage believes the single biggest issue facing the housing crisis is immigration. Rental increases are largely in part due to a lack of supply of housing. The government needs to present and show new ideas to help the lack of housing in this country right now. New towns are one of the solutions to the housing crisis. The housing planning system in this country is broken, being done at a local level it’s very political and this is detrimental to housing development. BEST MOMENTS  "For 2023 it’s unlikely they’ll build more than 160 thousand” “He showed himself and the government to be more out of touch with the country and the reality” “Rents have gone up 40% since 2016, since the Brexit vote” “Planning is the major problem” “I haven't seen any new ideas from Starmer” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/

In this episode, Mark outlines his predictions for property for 2024. He discusses the implications of the market in 2023, what he thinks will happen to house prices and rent rises as well as the multiple reasons more and more landlords are choosing to sell up!KEY TAKEAWAYS For the end of 2024, Mark thinks house price falls will moderate and stabilise Mark believes rent prices will continue to rise throughout 2024 There is less supply of rental properties and this is continuing along with population increases. Section 21 is mostly used by landlords when tenants have run up arrears. There is going to be a consultation taking place to split houses into two apartments which could be positive for developers. The government have confirmed that landlords won’t have to meet EPC rating of c in all properties by 2025. Which makes many properties more viable to property investors. BEST MOMENTS  "I think rent rises will continue through 2024”  “From 2016 to now we have seen an almost double of rent [prices] in this area” “Lots of landlords are leaving the sector because they can see the section 21 being repealed” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Mark Homer reviews the biggest property and business news stories of 2023! VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/

Mark Homer shares the inside story of his largest and most complex commercial conversion project to date - transforming an 80,000 sq ft former Marks & Spencer department store into 99 residential units. He reveals the highs and lows behind acquiring the property, handling the intricate planning permission, dealing with the main contractor going bust halfway through construction, and stepping up to build it himself.KEY TAKEAWAYS Mark acquired the M&S property once he confirmed a national retailer was interested in the ground floor space. This substantially reduced his risk and unlocked the opportunity. After his initial main contractor went bust, Mark set up his own building firm and hired the existing site manager and subcontractors. This saved significant cost and gave him greater control. Strong health and safety processes including regular independent audits were critical for managing risks during construction. This documentation also proved invaluable when scrutiny arose. Gradually gaining experience across different commercial conversion projects enabled Mark to handle a development of this scale. It's not advisable to dive into a huge site as your first project. Doing the project himself rather than using a main contractor saved around 20% of costs (£2 million) and eliminated variations which can be painfully expensive. The building qualified for a government-backed bond which provided exceptionally low long-term finance to hold the flats. This rewarded his ambition and enabled him to retain ownership. Mark always seeks creative angles to de-risk acquisitions and reduce base cost. This might involve creating optionality around alternative uses, or leveraging tenant demand BEST MOMENTS   "Just graduate your way into it. I don't subscribe to this view of oh, it doesn't matter how big it is you can just dive straight in from day one on a massive project because you know you'll make a lot of mistakes and they'll be magnified on a big site" "By doing it myself, I think we saved at least £2 million So, that was worth that. It's about 20%? Yeah, probably. A little bit more? Yeah. That's interesting." "You really need to buy the whole building to make anything work" VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join Mark as he explores the common debate between renting and buying a home in the UK and talks about why home ownership is still a good option. Mark also talks about recent tax changes, including Section 24 and increased stamp duty, impacting the property market. Mark contends that these changes contribute to a shortage of rental properties and increased rents. Gain insight into the current property market dynamics, including falling prices due to higher interest rates and what this could mean for property investors. KEY TAKEAWAYS Tax changes have made the cost of living more expensive for tenants and homeowners. The increase in rental prices is due to landlords leaving the market. You find a way to manage law and legislation changes, regardless of how big an impact you first think they will make, there are always solutions. just as Mark found when section 24 first came in.  Think creatively about how you can invest in property, Mark lived with his mum in order to save to invest. It is better to invest money in properties rather than buying your own home Homeownership is still better than renting in the UK. It's best to see it as a long-term investment, regardless of what the property market is doing. BEST MOMENTS "Is it true that you had ten investment properties and still lived with your mum?" "There's a severe lack of rental property because the planning system is broken and because of Section 24 and because they've put the stamp duty up to higher rates of 3% on top." "Clearly, interest rates going up, yes, but a huge amount of it is landlords leaving because of all this stuff, less rental property." "Rents are just going absolutely nuts off the back of this." "If you're only going to stay in a year or two, it's definitely better to rent." "You just need to sort of adapt, don't you, to adapt your business, you know, an issue comes along, you just set the sail of your sailing boat to take advantage of the new direction of the wind."   VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter   https://robmoore.com/podbooks  rob.team ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur” “If you don't risk anything, you risk everything”   CONTACT METHOD Rob’s official website: https://robmoore.com/  Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark reflects and gives his thoughts on a selection of news articles in this episode including focusing on the row between Nigel Farage and Alison Rose, wage growth and inflation. Mark also talks about the current housing crisis and what he thinks will happen in the medium and long term. KEY TAKEAWAYS Alison Rose gave private information about Nigel’s banking details to a BBC journalist, Nigel has won against her in court. Next year it is predicted house prices will continue to fall by around 4% Most indicators are showing the base rate of interest will go back down to 1.7% by 2027 This year has seen the biggest price reduction in November since 2017 Growth comes from entrepreneurs and businesses, this is what the government needs to focus on to promote growth. BEST MOMENTS  "Anybody that decides to go up against Nigel Farage is usually pretty foolish” “Savills is declaring the UK housing market is past peak pain” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Car hire and leasing can expensive and getting out of a contract early can be difficult especially if you don’t know what type of contract you’re entering into. In today’s episode, Mark dives into the details of car leasing, contract hire and PCP contracts and explains the most cost-effective way of controlling, owning or renting your vehicle.  KEY TAKEAWAYS  Contract (leasing) hire - the term contract is interchangeable with leasing and is a fixed agreement, usually 24,36 or 48 months and you are expected to fulfil the contract. Essential the monthly payment has been calculated over many months. Therefore if you’re looking to end the agreement early you will usually have to pay 50% of the remaining rentals if you’re looking to give the car back early. The disadvantage of contract hire is that they are not particularly flexible. If you’re concerned about ending your contract hire seek advice from the supplying dealer or credit broker to offer a shorter agreement.   PCP (Personal Contract) Hire - At the end of the contract you either pay the remaining value of ‘balloon’ payment, you sell the vehicle or you return it. Should you wish to end the agreement early the common agreement is to pay 50% of the remaining rentals or return the vehicle to the finance company. With PCP you are able to enter into a process called voluntary termination giving you the option to return the vehicle to the company when you’ve paid 50% of the amount payable or more. This can be referred to as the rules of halves and thirds.   Many car lease agreements have a buy-out option and will usually credit a percentage of the lease payment towards that purchase and is commonly least expensive way of getting out of a car lease. In order for it to make sense the resale value of the car needs to be equal or more than the buy-out value of the car. However, if you’re looking to get out of your lease so that you can purchase a new car be careful re-entering into another agreement especially with the same dealership as they will roll over outstanding payments on your old agreement into a new finance agreement.     BEST MOMENTS  “With a contract hire You will usually have to pay 50% of the remaining rentals. From my experience, they will try to make you pay all of them.”  “Car dealers love nothing more than for old customers to come back in and purchase a new car as they will make money on the old sale and the new one”  “Get everything down on a spreadsheet to work out the total cost to get in and out of these leases”  “Focus on the P&L and APR before purchasing a car”  “Dealers love talking about monthly payments”  VALUABLE RESOURCES  Centralleasing.com Appliedleasing.com  Leasing.com  Freedomleasing.com ABOUT THE HOST  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive   ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark interviews controversial politician and broadcaster Nigel Farage in this episode. They discuss Nigel's experience as a commodities trader in the City, his views on investing, and the future of the stock market. Nigel provides an inside look at his political career, explaining how he stood alone in advocating for Brexit and used social media to make his voice heard. He shares his thoughts on the Conservative party, challenges with the benefits system, immigration, China, and more. Nigel also opens up about dealing with stress and negativity as a public figure. With his signature bluntness, humour, and charm, he engages in lively debate on controversial issues. KEY TAKEAWAYS Nigel was a commodities trader in metals before entering politics. He still invests but prefers long-term positions in solid, dividend-paying companies. He credits his trading experience and sense of humour for helping him survive the stresses of politics and public scrutiny. Nigel believes he could become Prime Minister under a proportional representation voting system. He remains a staunch defender of Brexit despite domestic implementation problems. Nigel thinks China invading Taiwan in 2023 is over 60% likely and could be devastating for supply chains. He feels education should return to teaching critical thinking skills instead of moral relativism. BEST MOMENTS  "Be true to yourself. Because if you're not happy, you'll never be happy."  "On the world stage, Brexit has been a big success. Domestically it's been terrible." "You can't be friends with both. You have to make a decision." (On siding with Saudi Arabia over Iran) "Nothing in our history was ever easy. There were always problems at every juncture." VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Homer interviews Adrian from Prefect Controls about their intelligent heating control system for HMOs and student accommodation. Adrian explains how Prefect's room-by-room controls help property managers like Mark reduce energy waste from tenants who crank the heat up and open windows! With energy prices skyrocketing, he expects Prefect will reduce his bills 20-30%. Tune in to hear how Mark and Adrian implemented Prefect across Mark's properties and the tenant experience so far. KEY TAKEAWAYS Prefect is designed for rooms, unlike smart home systems made for houses. Central control and data is key. Tenants cranking heat and opening windows wastes energy. Prefect stops this. Prefect monitors temperature, occupancy, noise and more in each room. Data helps identify issues like banned space heaters quickly. With remote access, managers don't need to enter rooms to check occupancy. The payback period depends on energy savings, but Mark expects 20-30% lower bills. BEST MOMENTS "The thermostat gets put right up to maximum, which might be 30 degrees, and then the temperature is often regulated by opening the window." "We can see if the range goes much higher. We've got tenants where the rooms are going to 28, 29. In fact, we found one where he was consistently 37 degrees." "You know, we, we set the parameters or you guys set the parameters according to your sort of normal temperature range." "I was expecting, um, a saving on our energy bills of maybe 20 to 30 per cent." VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

This episode is a recording of Mark’s recent talk at the Underground Empire Builders Event. Mark draws on 20 years of experience and 1000+ deals, sharing the mindsets and models essential for business success. He gives his philosophies on real estate investing, scaling companies, productive habits, calculated risks, and leveraging assets.KEY TAKEAWAYS Find a profitable business model aligned with your passions - it drives you through tough times. Surround yourself with successful people to get ideas, not direct copies. Start now, test, and pivot - don't over-research. Your business will change; the market will shape it. Take action, make mistakes, learn, and improve. Systemise everything, measure with data, and manage time carefully. Spend it on income-generating tasks; this grows your business, and delegate what doesn't. Diversify income streams and assets. Property, trading, and investments balance each other when challenges like Brexit hit. Diversification survives dislocations. BEST MOMENTS  "I think the first thing I'd do as Prime Minister is take the whole tax system, put it in the bin, and reduce taxes.""Once you find your model, it's all about implementation. You need clear, definable goals and milestones to ensure you're executing correctly.""Don't go into developments early - learn by buying smaller ones first. There's less to go wrong and you gain experience for bigger projects.""This isn't a sprint, it's a marathon. Buy properties now - even if cash flow is lower, you're purchasing for the long-term." VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Homer joins Nigel to talk about one of the ways he sees us dealing with the housing crisis, redevelopment of retail and other commercial units into residential use. They discuss the barriers to general development and the new legislation coming into place soon. KEY TAKEAWAYS  The government hasn’t been getting anywhere near its target for building houses, largely down to local planning and democracy. Over the years it’s become more difficult to convert commercial property into residential but there is some new regulation being discussed that could change this. You don’t get the same objections and difficulties when trying to develop housing in a city centre -vs.- rural communities. BEST MOMENTS   ‘Everywhere the government turns it finds it more and more difficult to meet these housing targets’ ‘I was the first person in Peterborough to take an office building and turn it into apartments’ ‘It makes sense to live in city centres now and if we do a new kind of shopping with emerge’ ‘So many builders are saying that the current green targets, are making it harder and harder’ VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark and Rob do a Q&A with the audience and answer questions about books, entrepreneurship, what they are up to across their property businesses and the people they currently look to for inspiration. They also talk about how they are managing the current economic crisis and their thoughts on AI. KEY TAKEAWAYS  Your brain has a capacity, you can fill it with too much with things that aren’t relevant or good for you. Mark is selective about what he consumes, especially regarding books and other media. When people kept telling Mark he would fail, he simply bought houses and didn’t tell anyone until he succeeded. Don’t let the negative people around you hold you back, they are trying to keep you in the place they are at. Progressive’s costs have gone up significantly, like most property investors. Mark is going through all of their portfolios to see where he can make savings. Arnold Schwarzenegger and John De Martini are two of Rob’s current inspirational people! There will be a lot to come out of AI that will be worthwhile, Mark believes in the wait and watch strategy, to see the benefits through the early adopters. A centralised digital currency is something Rob and Mark agree is bad for the people, it gives the government far too much control. BEST MOMENTS   ‘I quite enjoy getting more from less’ ‘We just need to make sure we really continue that momentum as this time of year things can go really slow’ ‘Entrepreneurship is a stoic thing and good for progress’ ‘I choose to focus on the upside of it [AI], not just the downside and all the doom’ ‘Anything that gives them [The Government] more control I don’t like’ VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Homer goes joins GB news to answer the question, is Britain full? Mark shares his own experiences of the property market and volume in his current city of Peterborough and also how he sees the current crisis ending. KEY TAKEAWAYS  We simply aren’t meeting the house-building target needed to match migration. With planning regulations as they are this won’t be changing any time soon. The housing crisis will continue to get worse until the breaking point where the government will have to relax planning regulations, build more social housing and reduce taxation for housing landlords. BEST MOMENTS   ‘Are we building enough to accommodate the people we are allowing in?’ ‘It’s going to keep on getting worse until there are some major changes made to the planning systems’ VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Ex-MP Simon Danczuk joins Mark to share his many political views and in-depth knowledge of the system and the people of the UK. He talks about his days as an MP including exposing the Rochdale grooming gang and Cyril Smith, about his business background, immigration, the private rent sector and housing and the lack of leadership in parliament. KEY TAKEAWAYS  At just age 15, Simon knew he wanted to become an MP and eventually became a counsellor at 27. Simon formed his own business and stepped down from being a counsellor. But once he hit 40 he decided to get into politics again and became an MP for Rochdale in 2010. Some of Simon’s experience from being a counsellor, allowed him to win clients for his agency because he understood a lot of the context and detail. You can’t have a flexible labour force if you don’t have enough rentals and housing for people to easily move. What politics has been lacking is strategy and vision which we are seeing the real impact of now. There’s a big economic event every ten years but the issue at the moment is that the media is particularly good at fear-mongering which has a large impact on the collective feeling of the country. There are 23 million working-age people in the UK that are economically inactive. We need to really incentivise these people to start working. BEST MOMENTS   ‘I get a lot of satisfaction from solving people's problems and coming up with solutions” “People still like to buy their home but rental is still crucial” “Rents have doubled since 2016 because they have reduced the amount of rental properties” “Surely you can incentivise people to go back to work” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks to Nigel Farage on GB news about the difficulties of rent and housing in his local town of Peterborough, demonstrating a microcosm of what is happening across the country. Mark outlines the need for changes in regulation to drastically disrupt the current supply issues the UK is facing in housing. KEY TAKEAWAYS  Rents have almost doubled since 2016, a lot of this is population pressure as well as landlords exiting the sector due to the Section 21 regulation Peterborough is the cheapest place within 75 miles of London and that is one of the causes of the drastic population increase Changes to planning need to happen to make it easier to build houses The government needs to create incentives for landlords, this creates choice, promotes quality and keeps prices down BEST MOMENTS   ‘The property here is exploding, where is everybody going to live, what’s it going to cost them and what’s the government doing about it’ ‘The supply of rental properties is contracting as more and more people come in the country wanting to rent’ ‘Those rental increases here in Peterborough are shocking’ VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

CLASH OF THE TITANS - Go To moorevleeds.com to find out more FREE DOWNLOAD How YOU Can Make A FORTUNE From Buy-To-Let https://bit.ly/BTLReport-POD The renters' reform bill was entered into parliament in May 2023, in this episode Kev, Mark and Kieran discuss their thoughts, including the upsides and downsides as well as how landlords and developers can make it work for them. KEY TAKEAWAYS  The new bill will get rid of section 21, which is a 2-month eviction notice that can be served without grounds. The announcement of this bill is accelerating the mass exodus of landlords. It’s important to read into the bill yourself and not just look at headlines and rumours. There will always be tenants and therefore opportunities for landlords to make money but it might mean an increase in rent for many. Whilst changes by government are often called reforms, Kieran believes there are a whole host of things in the past that have made things worse for both tenants and landlords including epc criteria and the inability to offset interest. If legitimate landlords are having to charge more because of new legislation then those who can’t afford rent will instead look to rogue landlords. The bill talks about changes to allowing pets but it actually may put landlords in a better position as it states that insurance by the tenant will need to be bought to cover damage. It’s not just landlords that ask tenants to leave, tenants often want to leave after shorts amount of time too. Ultimately cost will be going up for both landlords and tenants as a result of this bill. BEST MOMENTS   “None of this is set in stone there are potentially things that could be changed” “There are laws in this country that protect tenants” “Landlords will just have to get better at using the section 8” “A buy to let landlord will only be there if they can make money” “All of this stuff can be used as an opportunity” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive      ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

CLASH OF THE TITANS - Go To moorevleeds.com to find out more VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

CLASH OF THE TITANS - Go To moorevleeds.com to find out more How high could interest rates go, whether to invest in property right now and what a 100% mortgage is are just some of the questions Mark answers in this Q&A episode of Mark My Words.   KEY TAKEAWAYS  The UK is behind the curve, the EU is still putting interest rates up currently and it’s predicted we will still have some small rises in interest. Inflation is higher in the UK than in the EU and US due to our reliance on gas, labour supply shock from covid lockdowns and food price increases. Government debt is set to rise still and is continuing to impact growth. House prices are still falling but at a slower rate. There are opportunities to add to your property portfolio right now, there are always good deals available. Pay off student debt as soon as you can but not at the detriment of owning a property and career progression. BEST MOMENTS   ‘Inflation is the primary consideration when setting interest rates’ ‘Inflation will start to fall slightly, it’s already baked into the numbers’ ‘House price falls are starting to slow and the market is beginning to stabilise’ ‘Variable rates aren’t always a bad thing’ VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark answers some of the most asked questions he is getting at the moment including why yes now is a good time to invest in buy to lets, why interest rates will be dropping and why some debt can be good. KEY TAKEAWAYS  Being debt free isn’t always the best option, it can be worth investing money into property rather than paying off your mortgage Inflation will be paying your debt down, including your mortgage debt. The government haven’t helped tenants, landlords are selling up meaning less supply and so prices have increased. Mark suspects interest rates will drop in the next few years. BEST MOMENTS   ‘There are less landlords coming into the market and that’s pushing rents higher and higher’ ‘Prices have fallen and there are still some deals out there’ ‘The IMF says the natural point of interest in the UK is way lower than we are at the moment” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode, Mark gives an update on energy, particularly on how this will impact landlords and the property market. KEY TAKEAWAYS  The government has confirmed that landlords will need to meet an EPC rating of C or better by 2028 for new and existing tenancies. The best ways to go from a D or an E to a C rating is by a few small changes, such as energy saving lightbulbs, adding a storage heater or adding solar panels. Start planning for your properties now, as the deadline gets closer EPC experts will become busier and it will be more costly for you to make the necessary changes. There are exemptions, particularly if it’s going to be very costly for you to improve. Some landlords will be selling due to this which presents investment opportunities for those who are willing to put the work and knowledge in. Fuel prices will start to fall this year as wholesale priced drop and alternative options become available. Diesel and petrol prices have dropped significantly, almost hitting pre-2020 levels. This means that electric car demand has also dropped, they aren’t as financially attractive as they were. BEST MOMENTS  “I think quite a few landlords are selling because of this, this could be an opportunity” “More and more of these sources of energy are coming online now” “I don’t think the energy cap will be needed in the same way going into 2024” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a systems and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

CLASH OF THE TITANS - Go To moorevleeds.com to find out more FREE DOWNLOAD How YOU Can Make A FORTUNE From Buy-To-Let https://bit.ly/BTLReport-POD Join Mark as he speaks to Kevin for a second time about how to build and manage a property business including your accounts and finances as well as investing. Mark and Kev also discuss investing abroad, the best way to do crypto and the biggest financial mistakes they see people making again and again. KEY TAKEAWAYS  One day Mark envisions moving abroad, his plan would be to come back to the UK once a month for 3-4 days for tax rules and use that time to manage him team on the ground in the UK Mark recommends using a simple spreadsheet to manage your costs, finances etc when first starting out, it’s simple, it works and is usually free! The impact of late payments (excluding mortgages) on a company credit file is less than on a personal file, another one of the benefits of setting yourself up as a limited company as soon as you can. Bitcoin is probably the most stable coin from an investment perspective, anything else is a real gamble. Mark would still recommend you don’t put anymore of 5% into Bitcoin as it’s still very high risk. Most of those in cryptocurrency are then converting it into something ‘real’ such as fiat currency. Now is the time to buy property, prices are falling and will continue to fall and then increase again. Mark only buys properties with a 10 year view, he doesn’t flip properties. He also focuses on unloved properties as this is where he can add the most value. BEST MOMENTS   ‘Leverage is often not paying a bill, because the bill is wrong’ ‘The underlying technology behind crypto, the ledger system, is revolutionary’ ‘You can use property [investing] as the vehicle to earn money and put that into crypto…it’s a no-money-down crypto’ ‘I’ve never made more money, investing wise, out of anything other than property’ ‘As interest rates have gone up, it’s pushed property prices down’ ‘I love the stuff that’s unloved because that’s where you add value’ VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode, Mark reveals how he built his multi-million property empire, his thoughts on the property market right now, as well as how to find investors and venture partners. He also delves deep into the importance of risk in business and how you can manage it. KEY TAKEAWAYS  The biggest risk mark has had to contend with is his most recent property development when lockdown hit right in the middle of the project and he was paying 60k a month in interest. But the risks taken have paid off. Lots of people use the asking price as a guide price in property, but it can be irrelevant in the grand scheme, a property will sell for what someone is willing to pay for it. There’s still leverage to be had in single-let properties, you just need to focus closely now more than ever, on the yield. Direct to the vendor can be a great way to get a discount on your purchase price but working with agents and fostering those relationships can help you get more and bigger deals too. You have to educate yourself so that you know how to recognise a good property deal anywhere, regardless of whether that is from an agent, direct or even at auction. Build credibility for yourself and show the value you can bring to a deal, creating your own track record, this will make you appealing to investors. Debt can be powerful. It’s important to not over leverage but you can actually make more money from inflation by reducing the value of the mortgage than actual growth in real terms. A good accountant can add a lot of value, you don’t know what you don’t know and they can reduce your tax bills significantly. BEST MOMENTS   ‘Mark is the brains behind Progressive Property" “You always want to add value, it’s so important” “The best deals we have ever done have been direct vendor” “We all start the same way” “You can make more money out of inflation, reducing the value of the mortgage than you can growth in real terms”‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

As Mark hits his 43rd birthday he reflects on the 6 key things he has learnt in his 17 years of business including why inflation can be your biggest helper as well as the many tax reliefs many people aren’t utilising enough!  KEY TAKEAWAYS  When you are investing, particularly in property, inflation can be your friend in a big way. Inflation is the devaluation of money over time; the value of mortgages decreases at the rate of inflation too Taking many small and consistent steps over time is something that Mark has recognised contributed to his success in business. It’s not all about making big or ‘quick’ wins. You cannot manage what you don’t measure, Mark loves KPIs and data because people make mistakes and they also lie. It’s easy right now to complain about taxes, but one thing business people often don’t focus on is the reliefs they are entitled to. Always make sure you are offsetting everything you possibly can.  Over the years mark has realised it is possible to sweat the small things too much, it’s more important to focus on the bigger picture BEST MOMENTS   “Inflation could create the biggest returns that you receive in property” “Inflation has an equally positive on any debt or mortgages you have, inflation is actually paying your mortgage down” “The effects of taking those small steps hardwired those habits into your head so it becomes easier and easier” “Make sure you are claiming every [tax] relief you possibly can” “It’s a major benefit not paying capital gains tax on your home” “If you sweat the pennies too much you’ll often miss the pounds” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a systems and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Part 2 of the Mark & Rob special episode. Mark and Rob continue to talk openly and honestly about all things business, particularly focusing on the negative impact of the tax in the UK and the long-lasting impacts of covid and lockdowns. Mark & Rob Reveal: The differences between the current recession and 2008 The long-lasting impact of covid How to make every pound a prisoner The best way to invest in the current climate Also featured The current state of employment and wages Whether Andrew Tate is right about NOT working in a business you’re passionate about How to find and nurture a good business partnership BEST MOMENTS “There’s probably more cash around than we thought there was going to be” “We could be moving into a lost decade” “I do try and focus on the big wins” “You need to diversify” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Progressive Property co-founder and co-owner Rob joins Mark in this special episode. Rob and Mark openly and honestly talk about the business lessons, mistakes, tips and tricks they have learnt in the past 17 years as well as their thoughts on the current state of the UK. Mark & Rob Reveal: The actual causes behind high inflation in the UK Why tax is too high How lockdown has irreversibly damaged the UK Their thoughts on Prince Harry and the Royal Family Why they think the government is incompetent Also featured The demise of the British Empire & Globalisation Why the political system needs to change Discussion on the current tax system and what could work better BEST MOMENTS “I think the UK is the worst I have seen it” “The consequences of lockdown are going to be way worse in the long down than what the lockdown saved us from” “I think Prince Harry is a disgrace” “Growth is the solution but we don’t have anyone in government who wants to prioritise growth” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A macroeconomic update from Mark in this quick but informative episode. KEY TAKEAWAYS  Inflation has started to fall, it’s likely that inflation has already peaked. This doesn’t mean we won’t head into a recession. There’s the potential for us to enter a ‘shallow recession’ due to interest rates still increasing but things like gas prices decreasing. Medium-long-term inflation may need to increase to get interest rates back down to 2% levels Consumer spending is holding up reasonably well still. People are still booking holidays and buying things. What has potentially saved consumer spending is the amount of savings people had due to the pandemic. Property prices will still fall and affordability for both housing and things like cars will be impacted, this will take time for the country to adjust. BEST MOMENTS   “Gas prices now are at a level well before Putin invaded Ukraine so electricity prices will start to fall” “Inflation is probably going to half” “Things aren’t turning around yet but you can see where this thing ends and you can see a trajectory out of this” “Property probably takes 18 months to reset and we’re seeing this” “The UK is the sick man of Europe” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join Mark in this episode where he unveils his personal predictions for the property market in 2023 including why property prices are set to drop 30-40%! KEY TAKEAWAYS  Inflation is now 10% and mortgage rates have gone up considerably resulting in property prices dropping around 10-15% already. The reverse is happening in the rental market as fewer people are buying and supply is too low. Mark doesn’t believe the bank of England will go to 5% inflation however, we won’t be seeing the historically low rates we have had over the past decade. Wages are now starting to increase in line with inflation. Properties will continue to fall in 2023, potentially in real terms a 40% drop in house prices. The big national builders are already building less. There will be fewer houses built in 2023. BEST MOMENTS   “Clearly it’s not been an easy ride for lots of businesses” “We’re on course for a 30-40% drop in real house prices” “They printed too much money” “The national house builders are cutting back” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

As it’s the end of the year, Mark wanted to do a roundup Q&A of some of his most popular YouTube videos of the year. He answers questions surrounding investing, Brexit, his opinion on Nigel Farage, and more! KEY TAKEAWAYS  The EPC policy will over time have an impact on rental prices. Ideally landlords shouldn’t increase rents by more than 5% but this isn’t always possible, as long as you aren’t increasing them above the market rate then you don’t need to worry. Nigel Farage can definitely stir the pot on occasion but he also has a lot of valuable knowledge and experience. Mark didn’t agree with Brexit, he believes it’s been a disaster. Buy-to-let is still a great way to invest. In the medium to long term the purchases you make as a buy to let landlord will fair better than what you bought in 2021 for example. BEST MOMENTS   “Government have screwed tenants, yes this is exactly what they have done” “How can it be a great idea to shut down or impede your trading relationship with your closest trade partners” “Immigration is now higher than it was when we were in the EU” “Predictions when it comes to economics…are usually wrong!” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark can’t see a single reason to buy an electric car right now. Listen in to this episode to hear his reasons why this is and why you shouldn’t be buying an electric car. KEY TAKEAWAYS  In terms of the environment, developing and building electric cars is more environmentally complex than we are led to believe and the full life-cycle of an electric car has a bigger environmental impact than many people talk about. The cost of buying an electric car is significantly higher than the diesel and petrol equivalent. It’s no longer cheaper to charge an electric car than to put fuel in a petrol one. Road tax will also be charged eventually. The infrastructure and range still isn’t there for electric cars. BEST MOMENTS   “When the battery becomes decommissioned that has quite a significant effect on the environment” “If you look at the whole life cycle of these electric cars I don’t think there are environmental benefits” “I just think their arguments are largely flawed” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join Mark Homer today as he interviews co-founder of award winning investment service Hargreaves Lansdown and majority shareholder of Bristol City FC, Stephen Lansdown CBE. Together they discuss the impact the pandemic has had on the financial market globally, why saving for your future is more important than ever and why people should take an active interest in their personal investments. KEY TAKEAWAYS There is a lot of value accredited to trail commissions businesses, especially over the last 10-15 years. Company valuations that are based on repeat income seem stronger than those that are taking a one off chunk. If you’re giving a good service then a client will stay loyal to you and you will continue to take that income. The more clients you get the more assets you have got and the more fees you generate. Governments are so much in debt due to the financial crisis and the pandemic, that you have to make your own precisions which is why saving is so important. Financial services platforms are in a good position to service that market. Healthcare, technology and renewable energy are good investment opportunities for now and the future. Whilst the timing of it is hard to predict, the reality is there will be inflation at some point. Inflation is needed because that is how assets recover and how we get ourselves out of debt. Cash is not great at the moment and the alternative to that is equity investment which is why the stock market is benefiting massively. There has always been a herd instinct in investment and many people tend to follow the crowd. You can follow it too far, and that is what makes the market. The market will not go up forever, and it will not go down forever, it will adjust along the way. A wise way to use your money is to firstly ensure you have a certain amount in cash to meet your short term expenditure so that you are never caught short. Secondly, get some income that gives you a guaranteed return with fixed interest rates. Finally look towards investing in growth and income with either equity or property. The fixed interest market is more of a property rental market these days. If you can find a good property/properties that can give you a good yield and can ensure you a good, guaranteed income then you can budget accordingly and make further investments along the way. People should take an active interest in their investments, that is what the platform Hargreaves Lansdown has done for people. It allows people to look at all their investments in one place, to make decisions very quickly and to get information on those investments. You have got to plan for your later life and your family at the earliest possible stage. The stock market and investments markets are the best place to do that. BEST MOMENTS “It was because other people were stealing our food off the table we decided to beat them at their own game.” “As long as we give you a good service, as long as we make sure your money is secure and you’re happy and confident in what we’re doing, then you’re going to give us the instructions to do every transaction that you possibly can.” “The moment of truth arrives as to where all the balls are going to land once the government starts to withdraw stamp duty holiday, furlough, grants and all the rest of it.” “Everyone makes loads of money until the money stops coming in, and then it falls apart.” “There is no working together for the common good.” “They are all the ingredients for a good all around investment attitude.” ABOUT THE GUEST: Stephen Philip Lansdown CBE is an English-born Guernsey billionaire. He co-founded the British financial services firm Hargreaves Lansdown with Peter Hargreaves. He is a founder of Bristol Sport and majority shareholder of Bristol Bears, Bristol Flyers, and Bristol City Football Club. Lansdown was appointed Commander of the Order of the British Empire (CBE) in the 2017 Birthday Honours for services to business and the community in Bristol. ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive See omnystudio.com/listener for privacy information.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode, Mark talks all about the rental market including how you can manage your own residential portfolio and deal with the rising crisis. KEY TAKEAWAYS  Mark has been working with rentals in Peterborough since 2005. Sine 2016 the sector hasn’t grown at the rate it needed to due to new government legislation, this has created the lack of supply we are seeing now. Some of those who were planning to buy houses not can’t due to interest rates so will also be looking at the private sector. As a landlord, your mortgage may be going up due to interest rises but because of high demand, you should be able to increase your rent to offset this. We’re not going to suddenly see the sales market recover so rent will continue to go up. The government have created policies that have impacted both landlords and tenants negatively. Now is the time to buy, you make the most money when you buy in a depressed market. BEST MOMENTS   “The private rental sector just hasn’t kept the pace” “The rental market is as good as it’s been and they expect it to increase further” “You need to be able to cover your costs and make a bit of profit” "You make your money when you buy in a depressed market" VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Rob joins Mark in this episode to have an open and frank Q&A all about business. They discuss why stress is important to be successful, how you can market effectively as well as the people they look up to in business and much more! KEY TAKEAWAYS  Your business only grows as well as you do, how you deal with challenges, stress and pressure make a big difference. Business is a series of dealing with problems and fixing them. Looking after yourself physically and mentally allows you to perform better in your business. Remove any stress that you can and become single-minded when working. There is negative and positive stress and you can change a stress simply by your perception and mindset. Anyone who can deal with stress positively will become successful. Rob and Mark both believe that they balance each other out and neither would be as successful without the other. They are as close as you can get to the perfect business partnership. Always make sure you know where you are spending your marketing money and where you are getting successful leads. Then ensure you take these leads through a buying cycle and track this too. It’s important to know where to focus your energy in business, especially when opportunities arise. Mark and Rob have found it better to focus on industries they have passion and knowledge for. With the economic difficulties, the UK is facing right now there will be opportunities. If we learn from ’08 then people will be accepting less risk and the biggest opportunities will be in around 18 months or so. BEST MOMENTS   “80% of what people try and get you to do in your day is nonsense” “The day before holiday everybody gets 2 weeks of work done…that’s positive stress” “I think it’s good to focus on a couple of businesses and focus on them” “Doing something that you’re passionate about and that you enjoy it, makes you good at it” “I love all this because you can get in, get a lot more assets with a lot less money and less risk” “You only get these opportunities a few times in your life” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Rob and Mark get asked several times a week whether to buy or lease a car! Mark knows more than almost anyone else all about owning cars, including the best deals in each situation. Listen in to be educated on all things owning cars! KEY TAKEAWAYS  If you are buying a high-end supercar or classic, the best thing is to buy it at 2+ years old. Financing is a good option, you can even approach lease companies to buy it, lease it to you and give you the option of buying at the end of the lease. A tax-efficient way to buy a car is to put it against an LLP or as a sole trader. A flat rate isn’t as good a deal as it sounds. You often actually paying more. What Mark focuses on above everything else, is the yearly cost including depreciation and maintenance. Manufacturers at any one point may have too many cars. They don’t want to reduce prices on the forecourt because of this though as there will still be people who will pay that. They instead get discounted via contract hire. The car market is starting to recover from the supply issue over the Covid pandemic. You will start to see better deals via contract hire.   BEST MOMENTS   “Often a good idea to buy with finance” “When the market turns, it’s gonna turn hard” “If you look at the APR, that’s the real rate” “Are you bothered about owning something or are you bothered about paying the least amount on the ownership you have” “What do I get, for the best car, for the least about of money” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

With the news of interest rates rapidly increasing and mortgage products being removed across lenders, it’s understandable to question whether interest rates will cause a crash in the housing market. In this episode, Mark explores why this may or may not happen and the other issues the current turmoil in the market could cause. KEY TAKEAWAYS  UK base rate is said to hit 6% by May 2023 but this is a market expectation, it may not happen. There is still demand in the housing market currently but there has been a significant slowdown in the past 6 months. One way the government could speed up growth in the economy and increase productivity is to remove a lot of unnecessary EU regulations. The media loves bad news and anything they can sensationalise, hence them talking about housing market crashes and a sterling crisis. If you do have debt, inflation does have an upside, inflation means your debt is lowered. In a residential mortgage market, Mark prefers to use fixed-term mortgages, especially long-term ones if you know you aren’t going to move, you can still get good rates now. BEST MOMENTS   “We’ve gone straight through the crossroads now and things are changing quite rapidly” “Demand will probably start dropping considerably, we’re probably in recession already” “Could house prices crash? Absolutely” “History tells us when inflation rates start to increase they do so quite quickly” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A practical and informative episode where Mark gives invaluable tips on what you can do to save money during the energy crisis. Mark also gives his long-term view on the impact of the cost-of-living crisis on the housing market. KEY TAKEAWAYS  Since 2019 business energy rates are set to go up 800%! Putting solar on buildings is a way to save money, payback for solar now is only around 2 ½ years because of the cost of energy Individual room heating controls, particularly in HMO’s can save landlords a significant amount Heating controls, the right ones, combined with solar can save you around 30% Bleed your radiators to ensure they are working efficiently. Move furniture away from radiators to increase better heat flow. Fix any draughts around doors, windows etc Close your curtains, it can reduce heat loss by up to 17% Bulk cook, if you are heating your oven, cook multiple items and meals to utilise the energy being used. Keeping your fridge clean and ventilated as well as defrosting your freezer will help them be more energy efficient Submit regular energy readings and pay by direct debit as this reduces the cost of your bill. Consider excluding energy bills for future tenancies or find other ways to encourage tenants to be more responsible with energy usage. There are fewer landlords in the sector now, and rents are increasing as a reflection. BEST MOMENTS   “Residents are going to be paying just a little bit more than they are playing at the moment” “They think inflation is going to hit 22% next year, which is absolutely nuts” “Don’t charge your phone overnight and look at energy ratings on anything you buy” “We’re trying to encourage tenants to be more responsible with their energy usage” “You need to stay ahead of it, of the changes and work out how you are going to react” VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Are you keen to start a new business venture but don’t know what to expect? Or perhaps you’re running a business and wanting a helping hand? Join Mark Homer today as he discusses the hidden costs of running a business. Discover the importance of not hiring cheap employees, having enough cash in the bank to survive a recession and being able to adapt to new industry standards. KEY TAKEAWAYS Hiring cheap employees can potentially be a huge hidden cost when running your company. When you want 10/10 employees you have got to pay for them, they will be worth three or four times more in revenue than a poor employee. They will also save you a lot of money in losses and costs. A hidden cost of running a business is buying unnecessary products to furnish your offices. These can cost a company tens of thousands of pounds when starting a company when they don’t have much cash in the bank. It is much more important and worthwhile to put your money into marketing, sales and growing your business. The material items can come later. Not keeping cash can be a huge cost to the business. You do need to keep some cash, as we have seen through this COVID period and the previous recession there are some businesses who did not have cash in the bank. These companies were unable to switch their business model and ended up going bust. Be focused on keeping good chunks of cashback to ensure your business can carry on trading. When the market changes, competition comes along. You need to be able to adapt your business, if you’re standing still and staying the same you will no longer be relevant. You won't have adapted to the market as it has changed and you will end up going bust. The competition will come along, your customers will want other things and your competition will respond to that and take your business away from you. Diverting time into nonsense. Lockdown has been a great eye-opener for how much nonsense was really going on in daily life. Unnecessary travelling, phone calls and other distractions take place in the office each day which do not serve many purposes to your business. Focus on your income generating tasks so that you are not getting diverted into other issues that are not productive. BEST MOMENTS “Only hire 10/10’s. Pick the best, surround yourself with great people.” “The best businesses start in the garage with nothing and grow their revenue stream. That is the most important thing.” “Businesses do not go bust due to lack of profit, they go bust due to lack of cash.” ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join Mark in this episode as he discusses some of the top stories in the media at the moment, including the mortgage affordability test being scrapped, staggering interest rates and the cost of living crisis.   KEY TAKEAWAYS    It’s in the news that the bank of England are looking at removing the mortgage affordability test. This is not as ‘bad’ as it sounds. After 2008 the new rules and regs applied were in some cases, draconian.   The traditional loan to income cap isn’t being removed of modified, that sits around 4 to 5 times your income. What this is talking about is ‘affordability’ checks, things such as your childcare costs, subscriptions and other outgoings.   An attempt to move private tenants into homeowners is to allow benefits to be assessed and considered in the mortgage application.   It’s being estimated that the Bank of England base rate is going to hit 3% by the first quarter of 2023, we haven’t seen increases like this since 2008.   Lots of people are still moving but the housing market is starting to slow somewhat, probably due to the effects of the cost-of-living crisis.   The lack of investment made by UK companies is another big news story. In some cases this isn’t surprising due to the aftermath of covid and threat of a higher corporation tax.   Businesses are much less productive than they were and this reduction in investment is compounding it.   BEST MOMENTS   “This mortgage is being written for 30 or 40 years, of course your outgoings are going to change” “Bank of England base rate has been going up significantly as it likely to keep doing so” “I suspect that this will support house prices even more, not that they need more support due to lack of supply in the market” “A property market crash is always a possibility” “Gas and electric prices have gone up by 300% already”   VALUABLE RESOURCES  https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome back to another episode of the Mark My Words podcast with your host Mark Homer. In this episode, Mark goes through his top tips for saving money in your life and business. Mark goes through several areas on how you can save thousands of pounds every year in your life, and business from car insurance, to utilities and saving accounts. Key Takeaways Personal Car Insurance. Make sure that six weeks before your renewal date you search around for cheaper options for insurance. The whole industry is predicated on making a profit from customers who are loyal and don’t change provider every year. Looking at the below four comparison sites every year can save you hundreds of pounds in the cost of your car insurance. Money Supermarket Confuse.com Go Compare Compare the Market Fleet Car Insurance. Try and go to a number of different brokers and play them off against each other, every year so that you can save money on your fleet insurance. This is the best way as there are no business compare websites for fleet insurance. Home Insurance. Make sure you go onto a number of comparison websites every year which can ensure that you are saving hundreds of pounds on your policy. Some of the best websites are the below: Money Supermarket Compare the Market Go Compare Keeping your claims down in the last five years to under one can help to keep your premiums down. Brokers are useful in gaining portfolio insurance for a large number of properties. At the end of each year get a quotation for each of your brokers to see if there are cheaper options. Utilities. Make sure that you are changing these every year, which has got a lot easier in recent years. Please do subscribe to the Cheap Energy Club, at the link below, which lets you know when there is a product that is cheaper than what you are already paying. Changing from the standard rate which energy companies automatically place you on, to an offer rate can save you hundreds of pounds. Saving Accounts. Try and change this account every April as this is the start of the personal tax year. I want to make sure that I’m getting the highest savings rate. Please check Moneyfax.co.uk which can offer you the best deals for savings accounts. There are always some good instant access accounts on the list for you to have a look at. There is a new Goldman Accounts called Marcus which has a good interest rate on it, for 12 months. Rates drop down after the first year so it’s really important to switch every year. Mobile Phone Contract. Every year you are paying the subscription to a mobile company, so at the end of the contract make sure you get your upgrade on your phone, as you are paying for this through your contract. It’s best to use a price comparison site so that you can find the best tariff on the market. Mobiles.co.uk   Buying In Bulk In January. Use the January sales, and buy two years worth of supply for shampoo, toilet roll, kitchen roll, those essential non-perishable items for your house. Then I’d store this under the house, which means you save lots of money and you don’t have to go shopping for these items throughout the year. Make sure you’re not loyal to a brand but you’re looking for the offers out there. Contract Hire On Your Car. Make sure you are going for the offers that are available rather than the brand or model of car. This can be a really effective way of saving money. The below websites are the best websites that Mark has used to get the best deals. If you would like Marks spreadsheet which compares these offers please email him, his details are at the bottom of the show notes. CentralUkVehicleLeasing.co.uk Freedom Contracts.com V4B AppliedLeasing.co.uk Best Moments ‘Make you have BS3642 locks on your doors and key locks on your ground floor windows.’ ‘Definitely look at changing your mobile tariff, utilities and car insurance to save hundreds of pounds’ ‘Make sure you’re not loyal to a brand but you’re looking for the offers. Valuable Resources Cheap Energy Club - https://clubs.moneysavingexpert.com/cheapenergyclub/register Moneyfax.co.uk    About the Host Bio - Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Facebook – Property soldier Email – kevin@propertysoldier.co.uk Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Angel investor Nelson Gray talks about investing in tech start-up businesses. How he chooses the right company to invest in, what is his strategy and the whole process of investing in a new, small company. Upsides and downsides of investing in start-ups, what is his experience working with company founders and tips for investors that are interested in financing new businesses. ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle,  and at the end of 2007 with Rob Moore  the co-founder of Progressive Property  his joint portfolio produced more profit than any of his other investments he’d tried in the last ten years, combined. CONTACT THE HOST LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode Mark interviews The Lord Lieutenant of Northamptonshire. Mr David Laing of Laing  Construction, whose illustrious career spans several decades. Mark makes this episode become a very open discussion between two entrepreneurs from very different periods. KEY TAKEAWAYS (5.00) David Laing’s business history intrigues Mark. He asks David about the construction dynasty which started in 1845.David Laing tells us how he was on his way up to Edinburgh recently when they stopped off at Gretna. This made David think about how his Grandfather and his Grandfathers father had been responsible for building the town. Gretna was set up as one of the main munitions factories during the 1st world war. He goes on to tell us about how they built miles of factories and accommodation for 50,000 workers. (7.12) David Laing continues to tell Mark about the growth of Laing’, how the expertise in concrete continued and how they built the M1 he discusses all of the buildings, bridges and so on through this period which included the Millennium dome. Mark and David discuss the benefits of the Dome. (25.52) Mark probes David’s outlook on politics by asking David to pick up on a thread from earlier in the conversation. Mark outlines concerns within the community if The Labour Party came into power. David Laing gives a considered reply by covering the various dangers of inflation, profit, tax and the probability of who would be the front man for Labour. The discussion goes on too looking at trade generally covering Brexit, Donald Trump and the world. (37.25) Mark asks David Laing where we are in regards to Cycles/Timing. David says we are still in the fairly golden times at present, property is still rising and there is a lack of housing, he advises that it could be a couple of years time when Brexit and /or Corbyn could be the triggers for change, so try to keep within you borrowing limit, retail is definitely not an option for profitability. (45.40) After a brief discussion on gearing, covenants and the percentages obtained, Mark moves the interview away from business and asks David “what do you do for Her Majesty?” Davis Laing is her Lord Lieutenant. David sees this post as the eyes, ears, heart and temperature control of the county. This means he needs to know what is good bad and needs fixing, although it is a non-political role, he tells us that he is there to do whatever Her Majesty is not able to do. He is involved in the military on her behalf and holds the equivalent rank of Major General. Many of his duties include visiting schools to support them, helping with the scouts and brownies. (1.01) Mark examines David Laing’s fascination with cars and racing, and the crash at Silverstone in 2006. David talks about all the various racing cars he either has driven or admired and his more recent experience driving around the world circumference in 69 days with Mary as his navigator. He runs through the various countries they drove over, so we are able to imagine how it must have felt driving 11 hours a day in all those locations. BEST MOMENTS David Laing tells us that “timing is always the most important thing in the business” David Laing’s knowledge of changes in government gives us a sound grounding for preparing how to deal with the future. David and Mark look at the impact of homelessness on cities and how it can be approached going forward. Mark asks David about the difficulties in obtaining finance in the past and how it compares with today’s financing Building the M1 had an advantage for David Laing he had just started courting his wife up in Leicester and it meant they didn’t have to drive up the A5 and A6 anymore!   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle,  and at the end of 2007 with Rob Moore  the co-founder of Progressive Property  his joint portfolio produced more profit than any of his other investments he’d tried in the last ten years, combined. CONTACT THE HOST LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST The Lord Lieutenant of Northamptonshire. David Laing is a man of principle who has worked hard through his life in the construction industry through architecture design and construction, and appears to have enjoyed all the good and disagreeable parts of his career. Mr Laing gives time and money to charitable trusts, and has enjoyed exciting hobbies such as racing.  He has been rewarded by his position as Her Majesty’s representative as Lord Lieutenant of Northampton -shire.  He has an impressive family history behind him with his Grandfather and Grandfathers’ father starting the business in 1845 all of whom did vital work through the 1st and 2nd world wars.  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

How do you create a successful business and solve the housing crisis at the same time? Well, Alfie Best has one of the most innovative answers out there at the minute. The owner of Wildcrest, which is the biggest Mobile Park operator in the UK, soon to be the world. In this interview, Mark asks Alfie, how he started out in the industry, what the mechanics of the industry are and why Alfie believes they are the answer to the housing crisis in affordable houses currently? Listen to one of the most successful business people in the UK and what his advice is on creating a successful business in 2019.   Key Takeaways Why did you get into the Mobile Park Industry? I was born and bred in a caravan as a Romani. Who better to run Mobile Parks than someone who has lived and breathed this world throughout my life. It was a natural progression for us from commercial conversions. I really believe in them, and I’m passionate about my business, I don’t really see it as work.    How does the mechanics of the business work? It’s not complicated the customer actually purchases the mobile home often for 50% of what the same property would be if it was classed as a house. They get a 1983 mobile home act document drafted from the government which is an infinite lease on the property. It has no end date. It’s a simple but powerful document. You are in effect purchasing a bungalow at residential standards which are pre-fabricated. It’s like a timbre home from the states or modular homes which you see popping in different places. They have to be built on a chassis and have wheels, but they never get moved.   How does it benefit you to have a mobile home? Once it doesn’t have wheels and a chassis it becomes a house. If we have planning permission for a mobile home park then we can’t build houses. It’s classified as a caravan but it is never towed or moved anywhere else, it’s essentially static.   We all need to find our niche. I don’t regard this as a niche, we than 13,000 residents as a country and we have 5 parks in North Carolina. We are looking to expand our business in the US. Councils are still of the opinion to say no, it's not seen as a positive to support our kind of business. Sensible government is a friend often but councillors can be really difficult to work with and can go against what the government have set down.   How do you cope with working across different continents and countries? Have you found it challenging? When you start a business anywhere in the world, you have to pay an ‘idiot’ tax which is about learning to run your business. I always say that you should start small so your ‘idiot’ tax is a much smaller cost. When we first went to America we only bought one home. A business has to be like water, it has to flow and change but be strong enough to keep going forward.   Why is it that mobile home parks are the answer to affordable housing? It’s very simple. The government are trying to build their way out through social housing. As there is no cap on it and they have to compete on the open market it’s never going to solve the problem. We don’t offer houses for key workers like ambulance staff for example. Properties should only be able to be sold to key workers in key sectors. Whereas park homes only ever stay as affordable housing, always at 50% less than a house even when the price goes up it's always comparatively cheaper. That’s because there is a stigma to it.   Most of our customers are downsizing. A lot of our customers are buying a mobile home and then buying a second home in Spain or the US. Houses don’t have to be a ball and chain around their neck, it allows people freedom in older age. We are trying to lobby the government to explain this. There are some great councils and are some terrible councils.   We are bringing people who are semi-retired or retired people to an area. So we are actually bringing other families as well. We are helping social housing as well as contributing to communities. I hate the word social housing but I think of it as affordable housing.   What have been your biggest setbacks in business? The biggest set back was not questioning myself too much when I nearly went bust. Broke means that you are in negative equity, and verging on either going bankrupt which is where I found myself. I had a house with too big a mortgage invested in it. My biggest mistake was I didn’t see the recession coming because I wasn’t experienced enough. I thought I was better than I was.   How have you changed this ready for the next recession? We have stopped looking at profit and concentrated on cash flow. My board loves talking about profit, but I focus on cash flow. The cash flow could be in the red but your profits look great. It’s a balancing act. Making sure your business is sweating, and your wastage at minimum is essential. That could be down to the water bottles in the corner of your building.   How do you innovate? What do you do to get better incrementally? We regularly buy business which has gone into administration. Firstly, we set up a rudimentary cash flow system to see where the business is, see how much in the red they are. See what there is that is needed and what is extra. You have to be harsh, and be commercially viable when turning around a business. Then as you get bigger we constantly review what we are doing.   Best Moments ‘I don’t see my business as work, it’s a passion.’ ‘The 1983 mobile home document is simple but powerful.’ 'They are referred to as park-home bungalows.’ ‘This is the real solution to an affordable housing crisis.’ “It’s harder to get planning to build mobile homes than building a house in the states.’ ‘It’s always an affordable model for housing.’ ‘I usually find I make the most money in those quirks.’ ‘This country are selling ourselves short.’ ‘I love to see people trying to make a success.’ ‘It takes a special person to start a business.’ ‘Be brave when everyone else is going away.’ ‘Residents at mobile parks can be like winning the lottery.’ ‘We want to invest where we are welcomed and where we are making a difference.’ ‘The biggest set back was not questioning myself too much when I nearly went bust.’ ‘Every pound is a prisoner.’ ‘If a business is not commercially viable you will hurt a lot of people.'   ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Markhomer@progressiveproperty.co.uk%C2%A0 https://www.linkedin.com/in/markhomer1%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps://www.facebook.com/markprogressive%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps://twitter.com/markprogressive%C2%A0   About The Guest Alfie Best a highly motivated business magnate, investor, speaker and philanthropist who serves as the chairman of Wyldecrest Parks. To achieve success is not easy and to maintain that success is even harder but Alfie Best has shown how it can be done, even when you have not been born with the proverbial silver spoon in the mouth. Born of humble origins and raised in a Romany Gypsy family, this self-made man studied at “University of Life” and started his professional success story totally from scratch. However, coming from a struggling background and a minority group only gave him even more desire to succeed. As a gypsy, he had to face many obstacles and prejudices but he has never allowed those to ruin his dreams and ambitions or to disrupt his investments into the businesses he operates. Instead, he has taken those negative prejudices and turned them into positives by surrounding himself with a diverse and multicultural team. Alfie Best manages his businesses as a real leader, knows his employees by name and likes to meet all residents of his mobile home parks.   Contact Method Website - http://alfiebest.co/story/ Twitter - @alfiebest33 Email - ea@wyldecrestparks.com‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

To get financing, you have to prove to banks and lenders that you’re far from delinquent and can be trusted. So, in this episode of Mark My Words Podcast, Mark talks about how essential it is to build rapport with long-term lenders to get better terms with banks. He also suggests that you look for 2-3 commercial lenders. Though you’ve submitted the complete requirements and have an outstanding credit report, it also makes a difference if you have established a connection with the relationship manager since they already trust you and know that you meet the criteria. KEY TAKEAWAYS Mark prefers to get to know and contact the relationship manager directly with the bank, not through a broker. In this way, you get to know each other. So, when they see that you have good standing of records in their database and remembers that they also know you, there is a high possibility of getting the best terms with the lowest rates. Mark’s Tips: Have 2 or 3 commercial lenders. Try not to spend too much money on legal fees. We need development finance for our projects. Banks offer low loan values, and the terms are not as good. Mark suggests going to your broker for your development finance. BEST MOMENTS "Until the evaluation is back and the bank has confirmed how much they're going to lend on the property... you probably got that many more issues to come." "In the future, I probably find a bank number two - a backup, a secondary bank." "You need to have 2-3 long-term relationships with term funders who do development finance, who you could go to if you need a loan, who has got you in his system, who has seen over time how you behave." VALUABLE RESOURCES British Banker’s Association RBS Mark My Words Podcast #067 Can I borrow all the money for my project? YES, you can! Interview With Dean Brown | iTunes Progressive Property ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

What steps can you take to deal with the cost of living crisis? Join Mark as he talks about what you can do to help protect yourself from surging energy prices and the impact of the huge inflation we are seeing in the UK.   KEY TAKEAWAYS   The pandemic has meant there has been a reduce in supply for gas and electric but then we have seen an increase in demand. This has been further exacerbated by the war in Russia and the Ukraine. The world gas and oil price has gone up significantly.   One way to protect yourself from the rise in energy costs is to improve your EPC rating to at least a C, via insulation, new boiler etc. The government is also going to put pressure to get all homes to a level C anyway so you are also future proofing youself. Intelligent thermostat systems, such as NEST can also help you save energy. If you take a fixed rate with your energy supply, you will generally pay more over the long term but it does offer you a level or protection from price hikes.   People are reducing their outgoings in a multitude of ways. Netflix subscriptions have gone down and the stock market are also seeing reduced numbers of investments and investors.   Marks tips if you can still afford to invest than you should. Just focus your money on longer-term investments.   Right move said the past two months has had the biggest imbalance of supply –vs- demand in its history. Short term predictions are impossible to make, those who do might make headlines but they are usually wrong. Mark believes yes, house prices will crash but he, like no one else, can predict accurately when that will be.   There have been multiple things that have caused a lack of labour including Brexit, the pandemic and early retirement. This is creating a shortage in many different manufacturing industries as well as in the building industry and haulage.    BEST MOMENTS   “If you’ve got the cash to ride the peaks and troughs you’re probably better going for a variable”   “A price war probably will break out across the supermarkets”    "It won't be too long until you see more and more immigration starting again"   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark has been investing in property for 15-20 years, approaching the 100 mark in terms of deals made and has a 70 million equity stake in various portfolios. One of the questions he repeatedly gets asked, is whether it is worth using additional cash to pay of your mortgage or if it is better to invest it elsewhere. Listen in to this episode to hear his thoughts and answers to this common question.     KEY TAKEAWAYS   If you are even slightly disciplined you should not pay your mortgage off. If you are worried about interest rates then look at fixed rate mortgages. If you can invest your cash somewhere else, you will earn more back on that lump sum than you will be paying in interest on your mortgage. Property is still by far the best investment opportunity particularly in terms of lending from banks; they will always give you a great interest rate on anything you borrow. BEST MOMENTS   “Why would you want to pay of your mortgage if you can get consistently good returns by investing in your isa and getting much much higher investment returns”   “You’ve got to make your money work for you, no one else will look after your money like you do”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A short but informative episode where Mark discusses the current economic news including the changes in the new budget and what he thinks will happen next.   KEY TAKEAWAYS   We’re coming to a period where living standards are going to reduce in ways not seen since the 1950s. The rise in inflation and employment issues are all adding up to a historical economic time; and we are living in it. There has been a £2300 increase on the income tax threshold and a 1% reduction on the basic rate income tax will have most significant effect on most people in the new budget. BEST MOMENTS   “I suspect it’s more of a gesture rather than something concrete that will make a difference” “Rishi is certainly very good at telling people her cares, but looking at these numbers you start to see he only cares a little bit” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

The big story is gas, oil and raw material prices right now! You will have seen petrol at 1.80 a litre and diesel in the 1.90s per litre, these are huge numbers, this is the highest we have ever paid! Listen in to this episode to hear Mark discuss the issue and the causes behind what we are seeing on the pumps and in other areas of our life too.   KEY TAKEAWAYS The parallel to this is the 1973 fuel crisis, Rishi Sunak has been given what went well and what was learnt from this and hopefully will use this information to aid him and the government in making helpful policies for the public. Inflation is probably going to go to 10% over the next 12 months, £1 will be 90p. This means the banks will have to increase interest rates, will we see a repeat of double digit interest rates of the 70s? Is this national insurance rise, actually more of a political statement rather than actually helping? BEST MOMENTS “This is all going to push prices up significantly which will lead to inflation” “Who needs repayment mortgages when you’ve get inflation at 10%, there is always a silver lining” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

This is an extra special podcast episode with none other than Nigel Farage! Mark feels really akin with Nigel’s politics and watches GB news every evening so was very excited to record this episode for you all. Nigel and Mark talk about the start-up and progress of GB news, Covid-19, business and all things politics including his opinion on PM Boris Johnson and why Nigel believes we need a Brexit 2.0! They also discuss Nigel’s incredible knack for predicting what is going to happen next in the political landscape and what the public opinion will overwhelmingly be!   To hear more from Nigel & Mark head to Rob.team   KEY TAKEAWAYS   Since GB news was launched, Nigel has already seen the changes it has brought to the broadcasting landscape. Many channels and programming is duplicating the GB formats and introducing more talk shows and opinion pieces. Broadcasters have a big responsibility and if they get things right then they can create enormous ripples that change what happens in our country and in the world. Nigel has been a sensible environmentalist all his life. He doesn’t understand what the goal of net-zero emissions is when all we are doing in the UK as a country is exporting our emissions and actually creating more pollution. It creates a whole host of other problems and isn’t actually any better for the planet. We have the resources to be self-sufficient for energy but we aren’t, he asks why? The ramifications of Covid on society is hard to measure but we also can’t ignore the huge impact Covid restrictions have had on the countries mental health, education and children’s development. Nigel believes when we look back on this we will see that lockdowns and restrictions actually did more harm than good. Nigel’s treatment by other MEPs and in Brussels was very negative. After his 2016 speech it became even worse and he even got refused service in restaurant and cafes. It isn’t easy to ignore criticism and not care about everyone’s opinion but Nigel got to a point in 2014 where this is what he had to learn to do. Now he doesn’t even take an interest in others opinions about him, they are just that, their opinions and not his. Nigel believes there needs to be a Brexit 2.0. he thinks we need to leave the European Call to Human Rights to help with the large scale immigration still happening. The power and control big media and tech companies have now frightens Nigel. He is worried about the cancel culture we are seeing and the restriction on free speech. He can only hope that some of the challengers coming out will help disrupt these industries and allow everyone to have free will and communication, on all topics. The answer to labour and skill shortages isn’t immigration. Nigel states that opening the dialogue with young people and a reorientation towards them acquiring skills and trades rather than degrees could be the solution. It’s incredibly difficult to run something like an engineering company right now just on English skill sets. BEST MOMENTS “I think for once the free press and our parliamentary systems has worked” “I have been a sensible environmentalist all my life” “The impact on our way of life has not been positive” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In an emergency episode, Mark breaks down the impact of the Russian Invasion of Ukraine on the UK markets, inflation and house prices. THE HEADLINES INTEREST RATES: Interest rates aren't going to move that much. Away from their current expected path. The market thinks that a UK based rate goes to about one and a half percent terminal rate of about one and a half, 2% over the next two to three years. LONDON HOUSE PRICES: There is an estimated 1100 Russian owned properties in London, even if all were seized this would not likely have an impact on the overall market. It potentially may in west London where the majority are owned. REGIONAL HOUSE PRICES: Is it going to affect house prices regionally in the provinces, across the rest of the country?  I don't think this is going to have a major effect on UK house prices. STOCKS: Lots of stocks have been hit really hard, particularly brands that export to Russia either goods or services. Overall markets will continue to dip based on the uncertainty of the global situation. More money will go into bonds. FUEL AND ENERGY: Some economists saying fuel could hit £2 per litre, as supplies from Russia are cut off in the immediate future there will continue to be increasing energy and fuel prices, compounded by supply chain issues of the last 2 years.  VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOSTMark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHODEmail: Markhomer@progressiveproperty.co.ukLinkedIn: https://www.linkedin.com/in/markhomer1Facebook: https://www.facebook.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

“Progressives' vision is to help as many people on the planet invest freedom, choice and profit. We’ll keep doing that as long as we can and not quit”   Join the co-founders of Progressive Property, Rob Moore and Mark Homer as they celebrate the 15 year anniversary of Progressive! Rob and Mark have made hundreds of deals, navigated through recessions, highs and many lows, constantly having to innovate and change to remain relevant and prosperous. They also talk about their favourite moments, who and what inspires them and what the next steps for themselves and Progressive will be.   KEY TAKEAWAYS   Like many businesses, Rob, Mark and the various Progressive companies, have had to adapt and pivot to manage through covid. Their ability to adapt, willingness to evolve and foresight has allowed them to not just survive during the pandemic, but thrive. The biggest thing that has impacted Progressive in the past and continues to do so, is government changes; including introducing new laws, regulations and planning regulations. The renting landscape is changing. There is more and more demand for residential properties and the standard is also shifting. Such as included amenities and the high quality finish that is being created and found in rental properties. Neither Rob or Mark envisioned the place they are at today. They could easily retire off their property portfolio alone, excluding the income they receive from their other businesses. The journey to becoming the biggest training company was exciting but the challenge has been staying there. People are constantly trying to steal Progressives ideas, trainers and everything else! They have to be ahead of the game to remain at the top. Rob and Mark have never wanted to quit the Progressive journey. Of course they have had their share of challenging and difficult times but they have always had faith in property and in themselves, to keep moving forward. Progressives visions is to help as many people as they can, to invest for freedom, choice and profit. They have helped thousands of people to date, Rob and Mark don’t celebrate this often enough! To key being a successful entrepreneur is remaining unsatisfied; you have to always be striving for more. It’s essential to have complimentary skills with a business partner. This is how Rob and Mark have been able to work together so successfully for so many years. The government have a lot of power; this is the most valuable lesson that Rob and Mark have learnt since the start of the Progressive journey. They cost Progressive the most and they also impact them the most with many regulations and changes they make. Key to overcoming these challenges is the fact Rob and Mark have kept Progressive Nimble, with good cashflow and surrounded themselves with the right professionals to navigate any changes that impact Progressive. Life is for living, we all only get one life. It’s important to always remember that. This is one of the things that drives Rob through life and BEST MOMENTS “You do get passive income but you also get active problems” “All these changes have been sped up over the past couple of years” “I learned a lot from Mark in those early years to catch up…once I started to believe in myself I started to think we could do everything” “It’s got to be about our customers and our tenants, and our investors and our community” “It was always property first, before training and course…you can’t teach what you don’t know” “One of the biggest lessons for me is to stay nimble, keep plenty of cash” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this revisited episode episode, Mark shares his thoughts on how to teach and motivate children to invest in property and be successful. There are tips on how to get a mortgage, what types of property to buy, how to rent your property, what you need to know about taxes, and the secret strategy that could allow you to obtain a house for free! VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks through his plans for the next year, including where he is at with his present development and discusses the current state of the UK market. Mark also highlights what impact he thinks various current events might have on business owners, investors and property developers.   KEY TAKEAWAYS Retail and Offices have had a difficult time but this could be an opportunity for some. The stats show that property prices have risen significantly across the board but as discussed in previous episodes, there are many reasons for this both directly due to the pandemic as well as indirectly. There is clearly a major energy crisis at the moment, this has been building for many years and is coming to an expensive head. Environmentally friendly options are the end goal but in the medium-short term we need to consider other options such as nuclear energy. Food apps such as Deliveroo and JustEat are here to stay, the growth and investment at the moment is very high. Eventually it will be too much and there will be some consolidation but for now it’s a booming market. The Chinese economy continues to grow tremendously, there has been a lot of investment and development but it’s important to pay attention to the messages the Chinese government are sending too. BEST MOMENTS “Interest rates are expected to go up but really all they’re doing is normalizing” “These apps are clearly here to stay, they’re going to grow” “Does it mean the rich are getting richer? Well no, not necessarily” "This is communist China, what's actually going on under the surface no one really knows" VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Listen in to this episode to hear Mark Homer talk about his predications for 2022, where the market is going, what he thinks may happen and the impact this will have on business owners and property investors   KEY TAKEAWAYS Smaller units and apartments have been selling slower in 2021 –vs- houses, especially in London. The North and satellite cities such as Peterborough have benefitted from this and have been ‘catching up’ with London. There have been a lot of discussions around inflation. Mark doesn’t believe there is going to be some massive spike of inflation into the double digits, he just doesn’t think this is likely to happen, most of what we is seeing is just a short term side effect of restrictions and lockdowns on supplies. Mark thinks that capital growth in 2022 will be higher on smaller units and apartments in cities than it will be on houses in rural areas, mostly due to the success the latter has found in 2021, everywhere else will be playing catch-up. Cryptocurrency has had another successful and strong year in 2021. Many people have used it as a speculative investment strategy as well as a way to store money. 2022 is likely to be a more turbulent year and many of the smaller cryptocurrencies will probably fail. Look for yield in 2022. Only invest in assets that are solid, will yield well and that you fully understand. BEST MOMENTS “I don’t need to tell you in 2021 house prices went up a lot” “My educated guess is that the equilibrium rate probably hasn’t changed that much” “Once you become the best, you beat the rest of the market and you end up making solid returns” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

 A brief but informative episode where Mark shares his views on the rumour of crash coming and if so, why that is. He gives an overview of the current state of the market and the varied and likely reasons behind what we are seeing.   KEY TAKEAWAYS The market has dipped a little bit, possibly because of Omicron and also because the market has been doing a little too well previously. If anyone is saying they can predict a crash then they are either lying or misguided. There are only two types of investors, those who can’t time the market and those who know they can’t time the market. BEST MOMENTS “That’s usually how I have lost money in the past, I like buying certain stocks when I feel they’re really cheap” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

One of Mark’s biggest property deals, a conversion of an old M&S building into residential apartments and a supermarket is almost complete and in this episode he talks about the many lessons he learnt. He also talks about planning decisions, the impact of new building regulations and the many new environmental policies such as heat pumps, new EPC thresholds and electric charging points.   KEY TAKEAWAYS The key with any big project is to have enough profit to make it work. Costs and challenges are inevitable so you need to have that margin of error to deal with these things. There’s been massive change in the construction of residential blocks since Mark first embarked on this project. There’s a lot of new legislation around wall buildups, cladding and building regulations are being properly enforced that were previously ignored by unscrupulous developers.  Heat pumps are really ineffective for many types of houses. It makes them worse for the environment if they don’t work efficiently. They are a high cost and are unlikely to bring bills down. A new product on the mortgage market is a 40 year mortgage with no early repayment fee. Mark states that essentially it is ‘insurance’ as fixed mortgages are and people will end up paying a lot more for this product. Local councils are under huge pressure from central government to build and consent more residential schemes. Once areas run out of brownfield sites there are only greenfield sites or previously declined sites: this is probably why there are more instances of new builds etc flooding. Part of the difficulty with these things is that planning decisions are made by individual/regional offices that all make different subjective decisions. BEST MOMENTS “Electric vehicle charging points won’t have any value at all” “They’re getting a heating system that I don’t think is very good” “It some ways it’s quite good as those sort of landlords that aren’t compliant they are weeding them out one by one” “It’s a virtual guarantee that they will spend more in the long term with a product like that” “The whole planning system in this country is a big web of individual offices making arbitrary subjective decisions made on whims and what they feel” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to another episode of the Mark My Words Podcast. In today’s episode, your host Mark Homer interviews Michael Edwards, yes the one and only Eddie the Eagle. Here, Eddie talks about all of his experience being a professional ski jumper, what he has learned in life and about property investment. Firstly, they discuss Eddie’s success in the ski jumping world and how he was able to overcome all the obstacles put in front of him, despite all the sneers from the negative people around him. Mark and Eddie discuss he journey to the Olympics and, the experiences Eddie has had since entering the world of property investment. KEY TAKEAWAYS Eddie is knowledgeable when it comes to property investment. If he had money, he would buy a property. He does not like to rush. He would develop the property in 3 to 4 years and then sell it and then repeat the whole process. He made a lot of money because of his style of investment. Eddie mentions that he would have preferred to manage his own money in the past. He would have more control over it, and it would not have dwindled away. He wouldn’t have to file for bankruptcy. His money wasn’t being taken care of well by the Trustees. He thought he could trust them but apparently not. Eddie wants to advice everyone to never give up. To never lose sight of where you want to go and what you want to do. Sometimes that might mean taking a step to left or to the right or taking a few steps back in order to progress forwards. BEST MOMENTS ”One thing that drove me is that passion for doing something that I absolutely love doing.” “I don’t believe in the word ‘can’t’. I always think there is a way and you’ve just got to work out what that way is.” “Life’s too short to not to do what you enjoy doing.” “You’ve just got to think outside of the box and get around that obstacle. But never lose sight of where it is that you want to be. Never give up.” ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of his other investments he’d tried in the last ten years, combined. CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST Michael Edwards is an English skier who in 1988 became the first competitor since 1928 to represent Great Britain in Olympic ski jumping, finishing last in the 70 m and 90 m events. He became the British ski jumping record holder, ninth in amateur speed skiing (106.8 km/h (66.4 mph)), and a stunt jumping world record holder for jumping over 6 buses.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Listen in to this episode where Mark is joined by Shaz Nawaz, chartered accountant and labour councillor as they delve deep into the recently announced budget. They discuss their own views on what Rishi Sunak has announced and also how this will impact many of us in real terms. KEY TAKEAWAYS  Rishi Sunak has announced many things in this new budget, nothing that is particularly ground-breaking but quite a few things that will impact property investors and developers. Rishi stated he will be putting 24 billion into affordable housing which will be around 180 thousand new homes – but over what period is this over and will it actually have much of an impact on the housing crisis, house prices and rent? Probably not. Any government who are serious about tackling the housing crisis needs to move away from affordable homes and this term as they do not actually solve anything as they aren’t affordable for those who need them most. Any developers in blocks of flats will have to pay a 4% surcharge on corporation tax to help pay for the removal and replacement of dangerous cladding. Inflation is a hot topic around this budget announcement. It’s important to put this into perspective and understand what is driving this: businesses being shut during the pandemic, supply chain disruption but then high demand as we are going back to normal. This is basic economics and was always going to happen. Shaz has been quite disappointed with this budget announcement. Especially regarding the pressures currently on local government. People care about what is happening to them locally on a daily basis such as street cleaning, business rates and other local provisions: they have had their budgets cut by 80% in Shaz’ local city of Peterborough. There will be a 50% business rates discount/relief for those in the service industry which includes serviced accommodation. Shares of property developers are all up around 1% and large property landlords are also up. This is good news and shows that the market is confident at the moment, perhaps partly due to brownfield land being made available for residential property and changes to permitted development rights continue to help generate retail conversions. There has been talk about a wealth tax to replace inheritance tax. But Mark feels like this is unfair, but he does understand why we need tax. He believes in making a faster economy and generating tax from increased economic activity rather than having large public spending which we can’t afford.   BEST MOMENTS   “What is sold to be affordable really isn’t affordable to people who can’t afford these homes” “it’s just simple economics, price rises equal inflation, this was always bound to happen” “All politicians just want to deliver good news…some of these ideas or just old ideas” “It’s always good to use those kind of sites as you aren’t going to upset people as you aren’t going to be tearing up the green belt” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive          ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this informative and frank episode, Mark talks about the current Sterling ‘crisis’, he also explores what may happen when furlough ends and the wider economic impact this will have on the country.   KEY TAKEAWAYS   Stagflation is when you have low growth and high inflation. This is what has been suggested will happen next, not helped by all the recently gloomy headlines around supply of materials, products and lack of workforce. The bank of England expects inflation to drop once the supply issues are solved but many markets are not convinced in the short and medium term. There were a lot of rumours that unemployment would rise to unseen numbers when furlough ended, but so far this hasn’t happened. There is a lot of demand for people in various sectors due to Brexit so there appears to be plenty of jobs out there right now. Furlough was very specific, it was designed to support industries that would otherwise be doing well if it was not for the pandemic. In the future, if unemployment is due to the economy then it should be allowed to naturally end. BEST MOMENTS “Demand being as it is, this is clearly going to increase prices” “Was the furlough scheme a good thing?”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Are you an entrepreneur out there who wants to know and invest in liquid assets like wine and see huge returns on your investment? In today’s episode of Mark My Words, Mark and innovative entrepreneur and investor Daniel Gurr discuss in detail the opportunities in wine investment, how to store your wine to avoid damage, the benefits of investing in wine over other investments and why now is as good a time as any to begin to invest liquid assets. KEY TAKEAWAYS Financial markets and how the traditional remit of investments have changed over the past decade. That's due to financial market volatility and of course, the environments of record-low interest rates we find ourselves in, so traditional investors are starting to look outside the mainstream box and adopt strategies within alternative asset classes. Fine wine has characteristics which enable the markets to have a very low correlation to other financial markets. With, of course, the trajectory of the market over the past 10 years, we've got consistency, of course, with the market being demanded by the higher echelons, which is increasing year by year is a good time to invest into the asset class itself. You might come into the market and ask how is the price going to keep on going up in value? The fine wine market has two very unique characteristics. It has an ever-increasing demand because of course, it's a consumable asset, but it's also an asset that increases its quality over some time. So straight away what we've got here is a market that's got finite supply, ever-increasing demand because the wine is maturing, but it's also got an ever-decreasing supply. The best thing about fine wine is that it works off a compound interest formula. It's interest upon interest upon interest. So in your first year from that asset, you might see eight to 10% but come that second year, the circulation is decreasing. All of the client’s wine is stored and insured and as long as it's stored in HMRC regulated facility, the wine will stay in that bonded warehouse for remaining of its life. So, therefore, duty and capital gains tax are not applicable. If you had two investors that wanted to come up to you and invest into property, one was a complete novice and never invested into a property before, you're probably not going to introduce them to an HMO or commercial conversion, whereas if you've got someone that has been in property, they've got a background in property, you would introduce them to something different, and that's the same for wine. They can sort of diversify and get into the slightly riskier stuff and make higher returns once their knowledge grows. Red wine is at the core of investment, what about white wine investment? That is more so into a specialist market. What we advise clients is we look at the red wine because of course, with regards to that it all comes back to history and with ourselves, if we're putting our name to what we're suggesting you as you can appreciate, we have to know the full corporate background of that particular wine and it's not to say white wines don't go up in value but of course, they don't have the history and they don't have the corporate background to what red wine has. Where and how do you store wine? There are a few storage facilities in the UK. They’re HMRC regulated facility. They're holding it 13 degrees here, away from sunlight, away from the vibration. If you're going to store wine yourself, it has to be stored at the right temperature. As long as you keep red wine at a consistent temperature, because if you've got the uncertainty affecting that wine, that there will be an effect there. There are different subsidiaries, you've got Octavian, you've got LTB and you've got AHD just to name a few, but I'd be phoning them and asking them how this business is? How long have you been working with that particular company? Would you say they're credible? And get their opinion. Also ask the question, "Do you have a wine that you're trading to me? Is this currently in your account?" Or are they taking your funds and then going out to source the stock. Why is wine better or not better than other physical assets? The direct answer to that is fine wine has characteristics that other collectables and other alternative investments don't have and that would be fine wine matures as time goes on. So it has an ever-increasing demand, but because it's a consumable asset, there will be a time where the availability of that wine is going to run out. BEST MOMENTS “Bullshit baffles brain.” “The quality of the wine improves over time as it gets older unlike a watch or a car.” “As people drink it, there is less of it, therefore; the supply side and the demand side should become more favourable over time pushing the price up.” “I believe fine wine is a great way to insulate your wealth when there is economic uncertainty and even more so than gold.” “Fine wine is inverse to cyclical trends and cyclical trends being traditional re-investments.” VALUABLE RESOURCES Book called Investing Into Liquid Assets ABOUT THE GUEST Daniel Gurr is an entrepreneur helping people reach their financial objectives by creating innovative and exciting strategies. Daniel is one of the portfolio advisers and has been with Elite Fine Wine for 3 years after transferring from a wine merchant in Australia over to the UK. Daniel has been instrumental in the accelerated growth of Elite over the past 2 years and played a key role in the development of some of our more junior team members. CONTACT METHOD LinkedIn: https://www.linkedin.com/in/daniel-gurr-665b6014a/?originalSubdomain=uk  THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A great session with Mark where he answers some interesting and engaging questions around his current projects, his life in an alternative universe and even his dream car! KEY TAKEAWAYS Mark has had plenty of issues with his current aspect building project, but he is aware this isn’t unusual for a project and development of this size. Three/two bed terraced houses in not the ‘best’ but also not the ‘worst’ areas is always a good way to find a first property with good yield. So far there has not been a property crash, in the short term the risk from coronavirus seems to have faded away, helped massively by many of the government schemes. Other than property, Mark would invest in gold, watches and bitcoin; but always being risk averse and only putting a small percentage in. Have various multiple income streams, across different (but related) businesses to help you diversify your income and protect yourself from disruptions. BEST MOMENTS “If you buy the right watches that are controlled in their supply they can be a good investment”“Hi Mark, your books are better than Rob Moore’s!”“Inflation erodes the real value of your mortgage”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk  LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A great session with Mark where he delves deep in why contact hiring cars was one of the best decisions he made and why it can work for you.   KEY TAKEAWAYS   Mark figured out that contract hiring cars may be a better option for him and his business. He tested this with a business car and now he can’t recommend it enough. The benefits outweigh owning a car outright, both financially and in terms of convenience. You can easily access an online search engine that compares all the internet brokers for contract hiring cars which takes out a lot of the effort of finding the right option for you/your business. Timing can get you a great deal. March and September in the UK is when number-plates change, dealerships and manufacturers have targets to meet so February and August are prime times to be looking for a fantastic deal. BEST MOMENTS  “It’s a cheap way to access cars” “Champagne car for lemonade money”   VALUABLE RESOURCES http://www.contracthireandleasing.com https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk  LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

  In this episode, Mark discusses the current state of the UK economy and the property market. He gives his opinions on interest rates, stock picks and the current situation regarding the "Property Bubble" as well as some predictions on what we can expect as the world recovers from the covid pandemic.    KEY TAKEAWAYS 18 months on from the pandemic, the outlook is generally more positive. Banks are lending again, house prices are good and inflation is starting to pick up. Both the bank of England and the Federal Reserve believe that interest rates are going to stay low for an extended period of time. Lots of opportunists around the world will ramp up production so towards the end of the year shortages will be less of a problem, especially in regards to building materials. Availability will shoot up and prices will start to go down. It is hard to hire for almost all types of jobs at the moment. People are averaging just 4 contacts per day (with people) when it used to be 10 pre-pandemic. Things have not returned to normal in this respect, the wider impact of this on businesses is huge. UK Residential property is growing strongly. It is predicted that this will continue throughout 2021.   BEST MOMENTS "Interest rates are likely to remain low for an extended period”“Working from home is an aberration and something that needs to be corrected asap” “Tech has done really, really well”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode of Mark My Words, the roles are reversed as Mark is interviewed by Ellie McKay from the On a Mission Podcast. They talk about Mark’s own journey into property and business, Covid and Mark’s mission in life.     KEY TAKEAWAYS   Mark grew up in a nice environment, including private schooling and travelled a lot. In Mark’s own words, his Dad was “tight beyond belief” and some of this rubbed off on him and helped shape his view of money. Mark’s first entrepreneurial venture was when he was just 15, importing cars from the EU and taking advantage of the weak euro at the time. However despite this he still went to university and went onto a graduate scheme afterwards. Mark bumped into Rob Moore at an event, they started talking at the bar and the rest is history! They now own one of the largest property training businesses including a large portfolio of properties and investments. Mark is the co-owner of the leading property training company in the UK. He started learning about what he does himself from a mentor, he then took some courses to learn more but most of his knowledge and expertise has come from him actually doing the work. There has been a lot of mistakes and a lot of trial and error but that is why he is so successful today. Covid has had so many different implications for businesses. For Mark’s business, it meant that they literally couldn’t operate their events, what they did was suddenly illegal. However, this did mean they had to pivot, and fast and have been running multiple successful live courses online!         BEST MOMENTS   "It’s important to control the cost but time is your most valuable commodity” “What is freedom day?” “It’s a solution based mindset, don’t wish it was easier wish you were better as you can’t control this stuff”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

  In this episode of Mark My Words, Mark discusses how an entrepreneurs mindset can be the difference between success and failure. How having the right mindset can make you resilient, adaptable and set you up for a successful and sustainable entrepreneurial journey.     KEY TAKEAWAYS   It’s natural to have negative voices and ideas in our minds. They are linked with fear and advise us of danger and risk. Without these thoughts individuals would not be aware of very real danger – they are important for our survival as human beings. Often these voices are not useful to us, we can learn to ignore/tune out negativity that is actually detrimental to us, doing this is one of the ways we can be successful in business and in other areas of our lives too. What voice serves you and your situation best? Almost all of the time this will be something that is positive and provides you with confidence, helping you make better and more strategic decisions.         BEST MOMENTS   "Every entrepreneur will hear doubtful voices from time to time – the only difference is how we deal with them” “I know this can hold me back and it’s not great for progression, for development, for creating new businesses”   “Your mindset will drive your success”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode of Mark My Words, Mark is interviewed by Kurt and Diane on the Back to Business Podcast!   Mark discusses his upbringing, wealth, investments and his own ethos as well as many hints, tips and ideas to be a successful entrepreneur.     KEY TAKEAWAYS   Mark’s Dad was always very careful with money and this instilled the belief in Mark that you saved money to make money. This also meant he was taught ‘delayed gratification’ which helps him with his future and has helped him build his wealth. Although Mark’s Dad was very frugal, the older he got the more he was exposed to how the other half lived, especially when he went to boarding school. This made him want this kind of lifestyle for himself. There are many common mistakes people repeatedly make when getting into property. One of them being ‘shiny penny syndrome’ this meaning that they do too many strategies not very well. It is wise to start small so that you can get experience and understand where all the risks and control points are.  We are taxed on everything in the UK  but there is no capital gains tax on owning your own property. Capital growth has got to be around 5% a year, with that being said by getting a fixed 2-3% rate on a mortgage for your home, you will essentially live in your house for free or even make money on it.  These are the times where the rubber meets the road. Residential is generally less risky and in the last recession, commercial was hit harder, however, next time it may be another industry affected. The next recession will not be like this one and different businesses get affected in different ways. You don’t know what will cause the next recession so now may be the time to diversify into other tenant types.  Many people will have goals they wish to achieve but rather than cracking on with it, will procrastinate. It is important to have the ‘start now get perfect later’ mentality. As you progress you will instinctively see more risks and problems. Start small and therefore the risks are going to be smaller.          BEST MOMENTS   "Champagne lifestyle for lemonade money" “My home doesn't cost me anything.” “Am I going to be out of stock with property? No.” “Everything just suddenly came together.” “These are the times where the rubber meets the road.”     VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE GUESTS ABOUT THE HOSTS Kurt Wilson - Entrepreneur, Internet Veteran and Property Investor with multiple 7 figure businesses and property investments in UK, GI, LT, BY and GR. CEO and founder of advansys (www.advansys.com) a global ecommerce, web development and online marketing agency headquartered in the UK. Di Forster - Entrepreneur, Property Investor and Mum with exceptional grit. Expert in all areas of Online Sales and Marketing (SEO, PPC and Conversion). Quit corporate life and now enjoys working with and helping others grow and scale their businesses. CONTACT INFO INSTAGRAM.COM/KURTWILSON.UK INSTAGRAM.COM/DIFORSTER.UK WWW.ADVANSYS.COM KURT@ADVANSYS.CO.UK DIANE@ADVANSYS.CO.UK   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

  In this episode of Mark My Words, Mark reacts to Dodgecoin and gives honest answers to Q&A’s around investing, buy to let deals and more.   KEY TAKEAWAYS   When looking for property, Mark usually consults with local letting agents to see where he would get the best yield as well as getting the right kind of private tenants. Going for an area in the UK with lower property values but where you can find good tenants is your safest bet at making good profit. Mark is not buying dodgecoin, it’s not something he knows much about and he makes a point of never investing in things he doesn’t fully understand.     BEST MOMENTS   “I would always go for a higher yielding, lower property value area because I think that keeps you safe”   “Invest for the long term”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode of Mark My Words, Mark speaks to his accountant, Chris Wilkins. Chris has been Mark’s accountant for 11 years now! Chris talks about property tax, HMRC enquries, property structuring, changes in corporation tax and more.   KEY TAKEAWAYS   The thing that was right at the front of property people’s minds when Chris was last on the podcast was section 24. Now it has had a full effect, mortgage interest for a residential property is not deductible in your rental accounts, it’s a tax reducer. There are a lot of ramifications, especially for those who were on the cusp of the higher rate tax band and those with large portfolios who could easily be paying more in tax than they are making in profit. Being in the know, or having an accountant in the know, around HMRC rules and regulations can save you a lot of time, hassle and money. HMRC frequently break their own rules and ask for things you technically don’t have to give them. When buying a property (e.g in your name –vs- creating a limited company) it’s important to find out the tax implications, in both the short and the long term. It could make a significant difference in what you owe. There are many ways you can file accounts at companies house. You can find that something that you did 6 years ago, actually ends up saving you further down the line so you should always file with the future in mind.   BEST MOMENTS   “he’s just an all-round, very clever guy who I have learnt loads from over the years”   “Business isn’t a regulated word”   “They can ask the questions, but you don’t have to answer it”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

  In this episode of Mark My Words, Mark explores the possibility of a property crash coming. And, if it does, what you can do to mitigate your risk, ride it out and come out the other side unscathed.   Mark also gives an update on where the economy is right now, and although he reflects on what has happened in the past and gives ideas and predictions of what may happen, no one actually knows what the future holds.   KEY TAKEAWAYS   In recent weeks and months Mark has seen an increase in demand, and cash, for property in desirable ‘leafy areas’ as well as terraces in his local area. There are a lot of people chasing a lack of desirable properties. The growth bubble we are in at the moment wasn’t entirely predicted, many people expected there to have been a crash by now. It is something that is very difficult to predict, the market hasn’t had to deal with anything like this pandemic before, the parameters are new, vast and different. Furlough is due to end in September, this will be the biggest test to the market. Furlough has become the waiting room for redundancy. If you can find a good deal now, then whatever happens it will be a great thing. Timing at the moment is incredibly hard to predict, but in the long term property that is a really good deal in the current climate is relatively low risk. Most economists are now predicting a post-pandemic boom. People have not been spending their money, there is cash and spending to come.     BEST MOMENTS   “If you’d had George Osborne and Cameron in charge the result might have been different, they may not have supported to the same extent” “They will actually devalue sterling by inflating it...the pound in your pocket is gonna be worth less”   “There are so many little wheels that move…all of this stuff feeds in to create an unpredictable result”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

The COVID-19 has been the perfect example of why you should diversify your investment and property portfolio. If you haven’t already done so, join Mark as he discusses why you need to diversify your portfolio and how. Discover the importance of having multiple income streams, how no two recessions are ever the same and why having different tenant types can help save you from losing everything.   KEY TAKEAWAYS It is really important to focus and be specific about your investments.  Become a specialist in a couple of areas but as time goes on, as you begin to make money and master different strategies you will need to protect your wealth. To do this, you will want to diversify into different areas, spreading your capital ensuring you have multiple income streams.   By having mortgages and real assets such as properties or equities like hares in businesses, as inflation rises so will their value. This is a good hedge to diversity risk and to reduce the risk of inflation eating your capital away.   The Coronavirus pandemic has been the perfect example of why you should diversify. As time has gone on, it has become clear that serviced accommodation in certain areas of the country has suffered greatly. This does not always mean that serviced accommodation will never come back. The next time there is a recession, another industry will be hit. This is why you should always make sure you diversify your assets.   The key is to have different tenant types. Different tenures that may or may not be affected by current world events such as the pandemic, Brexit or the recession. In the future, a new ‘shock to the system’ will come along which you cannot foresee and different industries and property types will be affected. If you have invested in a few different properties and businesses then you are likely to be okay.   If multiple big things happen to you and your business at any one time, then there happens to be a  recession and you are not diversified, then it may end up killing your business and you may go bust. We want to avoid that at all cost.   BEST MOMENTS “Become the best at just a few small things.” “I always like a minimum of four income streams.” “Is this going to go on into the future? No..” “We have had a deep recession and we are in one now.” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

The famous saying ‘save the best for last’ rings true today as Mark and Rob are back with the final instalment of their investment series. In today's podcast discover how even if you have no disposable money, you can still make worthwhile investments which can set you on your journey to success. Mark andRob discuss the benefits of a JV partnership, how to find long lasting investment partnerships and how to secure loans.   KEY TAKEAWAYS   One way to get into property investments without deposits is by agreeing a deal with the owner, exchange contracts and complete the deal in ten years time. Similarly you could do a rent to rent with an option to purchase. You could also turn the property into a serviced accommodation, where you rent the property by the night and you end up taking the differential layer. The big area where many people start with little or no money in property is within a joint venture (JV) partnership. You bring somebody in who has the money and combine that with your experience and you can find your property deals together. It is possible to do ‘no money down’, whilst there may be periffable costs such as legal fees, these could be rolled into the JV deal that you do with the person who's financing the deal. If you get a loan, make sure those periffable costs are included in the loan. Being creative, innovative and resourceful are all ways that you can bypass needing cash. If you can learn to leverage some of the tools and the tricks that you have learnt, you can also bypass having to hire a large workforce. The easiest way to structure a JV partnership is to have someone put all the money in without a mortgage (this is easier and quicker) and then someone else does all the work. This is the easiest way to split it down the line. There are a lot of people who want to be hands off investors and JV with experienced people. Join all the social media groups, get seen and known on all social media platforms as this is the modern form of  physical networking. Start a podcast and interview people who you know have money to help build up your contacts list.   BEST MOMENTS “If you can provide value to people as an individual you will be rewarded for that.” “Essentially you are going into a deal with none of your own money.” “The reality is, everyone that has had a brilliant mentor will say that it wasn't one or two things it was 1000 tiny little things that they taught me.”   SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   BEST MOMENTS “The world is in a completely different place. We don’t know when this ends.” “When the next recession comes along we do not know what is going to cause it. This one was caused by a virus and the previous one was caused by a banking crisis.” “Buy what the heck you know about.” “Over time try and diversify into a few use classes in property.” “All of those could be good, all of those could be rubbish.”   VALUABLE RESOURCES https://www.youtube.com/user/progressivepropertyhttps://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In today’s brief episode, Rob reflects on the anniversary of the first lockdown during the Covid-19 pandemic and asks his listeners how it’s been for them? What are your plans moving forward and do you see this as an opportunity? Rob makes his recommendations on great opportunities for your post lockdown. Also, hear about Rob’s latest book  ‘Opportunity – Seize the Day, Win at Life’ and be sure to pre-order your copy. KEY TAKEAWAYS The property market shows no signs of slowing down, it’s still rising. You now have the freedom to view properties again, so get out and start viewing!   Leverage online using Clubhouse and other social media platforms. You can go from local to national to global using Zoom, Gotowebinar, Streamyard and by doing more ‘lives’. Hopefully, you’ve now got the trigger you need to create your communities all over the world.   Consider buying up struggling businesses. Many retail, brick and mortar type businesses have struggled during the pandemic. Also think about a joint venture, joint partner or acquisition opportunities that are out there.   There are lots of opportunities in e-commerce, it’s on the rise. You might think that there’s too much competition out there, but remember the Internet is still very young, just 30 years old.   BEST MOMENTS You can be a global firm, even if you’re a local firm You’ve got to be ready to seize the opportunity There is limitless and infinite opportunity there in the unified field You have to know which opportunities to turn down VALUABLE RESOURCES https://robmoore.com/wp-content/uploads/2021/03/opportunity-copy.png https://www.amazon.co.uk/stores/page/0DFBFDF3-266B-4011-AE53-F71CDC49A05A?channel=robmoorepodcast https://robmoore.com/ bit.ly/Robsupporter     ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur”   “If you don't risk anything, you risk everything”   CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979    ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

There are two types of investors. Those who cannot time the market, and those that know they can’t. Join Mark today as he discusses why serious investors should not focus on the short term profits their shares can make and why looking long term is more beneficial.  Mark also shares his thoughts on Gamestop, Bitcoin and market predictions.   KEY TAKEAWAYS The internet has changed the way of investment in the sense that it has managed to group people together to help them learn about investment. Platforms like Reddit have created increased, co-ordinated effort from smaller investors who are investing in things on a very short term basis. They are effectively day trading.   When you buy shares you should be looking to have them for at least 5-10 years.  You should aim to invest in something that you believe in and that is fundamentally a good company. This is because, even if the company takes a long time to be viewed as a worthy investment, it is one that you have confidence in and where the market will come to recognise the value of that business.   It is not advisable to invest a lot of your net worth into Bitcoin. This is because it is a very high risk strategy with huge girations. The technology behind Bitcoin is supposedly very secure but it is encrypted. It is not beyond the realms of imagination that Bitcoin could get hacked.   Many of the people that are investing in Bitcoin have a very superficial understanding of it. Nobody can predict whether it is going to go up or down. People are wanting to time a market that is not timeable. There is not an individual who can predict the short term movements of this stuff.   Those who are serious about investing should not focus on the short term movements of stock. They should instead, be focusing on the medium to long term results. Good and clever investors can  make good and informed predictions. There are two types of investors, those who cannot time the market and those who know they can't.   BEST MOMENTS “I didn't realise that Reddit would have this much of an impact.” “There are going to be winners, and there are going to be losers” “There is no intrinsic value, which is not great.”   VALUABLE RESOURCES https://www.youtube.com/user/progressivepropertyhttps:// www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive      ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

There have been many predictions of market crashes, recessions and a great depression looming in the next few years and many people have been anxiously awaiting Chancellor Rishi Sunak’s 2021 budget briefing. Join Mark today as he depicts the budget and explains what this means for you. Mark discusses the freeze of the nil rate allowance, the increase of cooperation tax to 25% and the end of the bounceback schemes.   KEY TAKEAWAYS It is going to take a while for the economy to recover. The first thing the chancellor Rishi Sunak has said is that there will be no increase on income tax, national insurance or VAT, however he will freeze the nil rate allowance which typically rises every year. He will also freeze the top tax rate. These strategies are a slightly less visible way of taking the money back, and it does not happen straight away.   Many people thought that the capital gains tax rates would go up however Rishi stayed silent on this matter. Rishi also confirmed that he would not change the inheritance tax allowance and would not change the pension lifetime limit which is £1million.   Unlike reports of corporation tax going up to 23% he is going to raise the rates to 25%. This rise will not be seen until 2023. The current rate is 19% and many people will notice the 6% rise significantly. Smaller companies with less than £50,000 will still pay 19% and inbetween £50,000 and £250,000 you will pay between 19%-25% depending on how much the company makes in that tax year.   At the end of March when the bounceback loans end there is going to be a new loans scheme where the government is going to guarantee 80% of the loan. The business rates holiday will continue until the end of June with a tapered reduction and the 5% reduced rate of VAT is extended until the 30th September with a 12.5% rate until mid next year.   The big news in the property world is the stamp duty holiday extension. This and the 90% mortgage guarantee will support the lower end of the property market. With all the government support it seems less likely that the market will crash.   All the schemes have given consumers a lot of savings to spend, there is a huge amount of money in savings accounts and as the economy opens up, they are going to go and spend that money and there is likely to be some inflation. As inflation picks up, you could see inflation rise by 3%-5%.   BEST MOMENTS “It is probably an even bigger hit since world war 2 with the amount the economy has shrunk.” “That was quite a surprise, in many ways quite dove like, not particularly harsh.” “Loads of people have cash in their pockets.”   VALUABLE RESOURCES https://www.progressiveproperty.co.uk ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join Mark Homer today as he interviews co-founder of award winning investment service Hargreaves Lansdown and majority shareholder of Bristol City FC, Stephen Lansdown CBE. Together they discuss the impact the pandemic has had on the financial market globally, why saving for your future is more important than ever and why people should take an active interest in their personal investments.   KEY TAKEAWAYS There is a lot of value accredited to trail commissions businesses, especially over the last 10-15 years. Company valuations that are based on repeat income seem stronger than those that are taking a one off chunk. If you’re giving a good service then a client will stay loyal to you and you will continue to take that income. The more clients you get the more assets you have got and the more fees you generate.   Governments are so much in debt due to the financial crisis and the pandemic, that you have to make your own precisions which is why saving is so important. Financial services platforms are in a good position to service that market. Healthcare, technology and renewable energy are good investment opportunities for now and the future.   Whilst the timing of it is hard to predict, the reality is there will be inflation at some point. Inflation is needed because that is how assets recover and how we get ourselves out of debt. Cash is not great at the moment and the alternative to that is equity investment which is why the stock market is benefiting massively.   There has always been a herd instinct in investment and many people tend to follow the crowd. You can follow it too far, and that is what makes the market. The market will not go up forever, and it will not go down forever, it will adjust along the way.   A wise way to use your money is to firstly ensure you have a certain amount in cash to meet your short term expenditure so that you are never caught short. Secondly, get some income that gives you a guaranteed return with fixed interest rates. Finally look towards investing in growth and income with either equity or property.   The fixed interest market is more of a property rental market these days. If you can find a good property/properties that can give you a good yield and can ensure you a good, guaranteed income then you can budget accordingly and make further investments along the way.   People should take an active interest in their investments, that is what the platform Hargreaves Lansdown has done for people. It allows people to look at all their investments in one place, to make decisions very quickly and to get information on those investments. You have got to plan for your later life and your family at the earliest possible stage. The stock market and investments markets are the best place to do that.           BEST MOMENTS “It was because other people were stealing our food off the table we decided to beat them at their own game.”   “As long as we give you a good service, as long as we make sure your money is secure and you’re happy and confident in what we’re doing, then you’re going to give us the instructions to do every transaction that you possibly can.”   “The moment of truth arrives as to where all the balls are going to land once the government starts to withdraw stamp duty holiday, furlough, grants and all the rest of it.”   “Everyone makes loads of money until the money stops coming in, and then it falls apart.”   “There is no working together for the common good.”   “They are all the ingredients for a good all around investment attitude.”   ABOUT THE GUEST: Stephen Philip Lansdown CBE is an English-born Guernsey billionaire. He co-founded the British financial services firm Hargreaves Lansdown with Peter Hargreaves. He is a founder of Bristol Sport and majority shareholder of Bristol Bears, Bristol Flyers, and Bristol City Football Club. Lansdown was appointed Commander of the Order of the British Empire (CBE) in the 2017 Birthday Honours for services to business and the community in Bristol.   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive See omnystudio.com/listener for privacy information.  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark is joined by fellow co-founder of Progressive Property, Disruptive Entrepreneur and Friend Rob Moore, together they discuss how to perfectly invest £1 million. Whether you’re looking to invest in property, hotels, classic cars or stocks and shares Mark and Rob have got you covered, join them today to find out more.   KEY TAKEAWAYS Property: Due to the current pandemic there are many hotels sitting empty waiting for investment. If there aren't deals there now, there will be very shortly. There will be many opportunities within the hotel industry to either re-open to guests in the summer months or to convert the hotel into something else.   Things to consider if looking to invest into a hotel are: Where is it? What is it? And What is the occupancy? Occupancy in both HMO’s and Hotels is everything. If it is running at 70% full, that is all your profit gone and it is then running at a loss. Assets: When investing in watches, cars or art try to ensure that you invest in products that are limited edition or where there was only a small amount produced. Rolex, Patek Phillipe and Richard Mille are the three watch models that are strong in the market currently.   New petrol and diesel vehicles will not be available from 2030 according to the government. Theoretically speaking existing petrol and diesel cars will go up in value as they become rarer to buy. There will likely be less service stations to purchase petrol and diesel however it is unlikely that they will be impossible to run.   As long as you buy right, investment into classic cars is a good place to park your money and enjoy it at the same time. Whilst it may go up in value, it probably won’t make much profit. What you should be aiming for is to have something that doesn’t go down in value.   Stocks:   You could invest a small amount of your £1 million into a higher risk strategy such as crypto currency or EIS schemes. They are very high risk and can drop to be worth nothing however there are big tax benefits to doing this.   Investment Advice: Become really interested and passionate about what you are potentially investing in. Become knowledgeable about a particular class and stick with that when investing. If you are aiming to make serious amounts of money through this platform, then you will likely need to become a professional in this niche.   We do not know what will cause the next recession nor do we know what the effects of it will be. The best way to conserve your wealth is to have multiple investments in a range of industries. Diversity your investments and ensure you have multiple income streams across varied business types and property types.   If you want to make a large amount of money fast, the best way to do that would be to invest into a business and become really good at it. Secondly, put your money into property that is well leveraged as that will always do better than investing in cars, watches etc.   SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   BEST MOMENTS   “The world is in a completely different place. We don’t know when this ends.”   “When the next recession comes along we do not know what is going to cause it. This one was caused by a virus and the previous one was caused by a banking crisis.”   “Buy what the heck you know about.”   “Over time try and diversify into a few use classes in property.”   “All of those could be good, all of those could be rubbish.”     VALUABLE RESOURCES https://www.youtube.com/user/progressivepropertyhttps://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

After an unpredictable year for both business and property in 2020, join your host Mark Homer as he discusses his property predictions for 2021. Mark discusses how peoples’ house preferences have changed, reliable property investment strategies and why we are likely to see a rise in HMO’s and single let properties.   KEY TAKEAWAYS The pandemic has had a huge effect on the retail industry. Many retailers are moving their headquarters to the outskirts of the city to fulfil their customers’ needs for online purchasing. Despite what most of the property experts said, property prices have risen this year.   More people are working from home since the pandemic began. This has had an impact on the types of homes people need with purchasers choosing to live in larger homes further out since they no longer have to commute to the office. The government granted a stamp duty exemption in 2020 and there is talk of this being extended in 2021 which will help the property market even more.   Rather than look at whether the property market is going up or down focus on what strategies will be successful. The property market is often unpredictable therefore reliable strategies are always safe investments. Nobody can predict what will happen to the interest rates, government support or unemployment rates.   Houses of multiple occupancy and single let’s are likely to become more popular in 2021 as unemployment is predicted to rise. More people will decide to rent instead of buy which is likely to see rental prices rise.   2020 taught us that things can only get better. During the last recession, there were many motivated sellers and the demand for property deals rose as many sellers needed to offload their properties to raise cash. Once the market came back, property prices rose.       BEST MOMENTS “Most experts were predicting either a shallow fall or a crash.” “This is a good thing for property investors as it lifts the value of your asset.” “The bank of England has been making noises about negative interest rates.” “More likely, like what happened in the previous recession, asset prices are likely to go up.”           VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/     ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark is joined by fellow co-founder of Progressive Property Rob Moore and together they discuss how you can get the highest returns when investing £500,000. Learn today how £500,000 could allow you to invest in 14 single let properties, why it would be a good idea to invest your money in a freehold block of flats and how you can make huge savings by purchasing your own office blocks.   WATCH ON YOUTUBE How To Perfectly Invest £500,000 |Property | Stock Market | BusinessSUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS Property: With a £500,000 property investment you can secure 14 single-let properties with a price range of £120,00-£130,00 and putting down a £35,000 deposit. These properties can be running simultaneously with a refurb scheduled every 6-9 months. It is a great strategy to achieve long term capital growth.   Many units on the high street have been battered and valuations have dropped in a big way and many are empty. There is a big opportunity to put a shop in the unit and convert the uppers into flats. There are a lot more of these opportunities to come; we are only at the beginning of this.   With £500,000 you can buy a freehold block of flats. The property may need a refurb and once this is done you are able to rent all the flats out. These are good investments because since you own the freehold it is similar to buying a house, you don’t have all the ground rent. There are really good opportunities since the values have dropped and there are currently plenty of tenants available.   It is a very good idea to buy your own office blocks for your company. By buying your own office building you are making a huge saving every year and the property itself will go up in value every single year.   Stocks and savings: Cars: If you are going to invest in classic cars it is best to start off with something cheap. Buy a low mileage, better quality car and in the end, you will make a better profit. Work your way up and build up your collection. Buy a ‘Classic Car’ insurance policy if your car is garaged which will allow you to keep your insurance costs down. Assets: Holding physical gold is a good investment. Buy the gold physically and put it in a secure vault and allow the asset to mature.   Whilst it is a possibility to buy a company with half a million pounds, you really do need the experience to know if what you are investing in is a viable business. People will usually try and sell you something that works for them and often it will not be worth your money.   BEST MOMENTS “You are going to end up with a great return on investment.” “You’ve really got to know what you’re doing.”“If you have a passion for something you are going to learn how to do it well, if not better than anyone else.” “Your timing of what you buy is really important and sometimes it is wise to wait for the market to come back down.” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode:How To Perfectly Invest £500,000 |Property | Stock Market | Business Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTVListen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rsLinkedIn: https://uk.linkedin.com/in/robmoore1979    ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark is joined by fellow co-founder of Progressive Property Rob Moore and together they discuss how you can perfectly invest £250,000 to ensure you get the highest returns possible. Discover how you can maximise your investment by purchasing businesses that have been hit by the pandemic, why buying properties in cash can allow you to get the best deals as well as discovering the best market trackers to use when investing your money in stocks and shares.   WATCH ON YOUTUBE How To Perfectly Invest £250,000 |Property | Stock Market | BusinessSUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS Businesses: Due to the current pandemic, there are likely to be some businesses that are willing to sell for £250,000 or less. Many hotels, nurseries and event companies have been very badly affected by the pandemic and are coming to the market in the new year.   Property: If you are buying single lets, buy up to seven at a time with £30,000-£35,000 deposits and roll that over. You could also use this money to buy properties in cash. These properties may be unmortgageable and therefore you can get the property much cheaper. By doing this you can cut out the majority of the market as most people are unable to buy without a mortgage.   Appreciating Assets: With this budget, you can invest in Patek Philippe and Richard Mille watches. The more complicated the movement of the watch, the more expensive it is. It is better to pay more money and have more growth.   Appreciating Assets: It is very important that you find an asset class that you enjoy. Whether that be stocks, property or business. Investing in gold can be a good safety hedge. Monetary financing will soon catch up and inflation will start to build, and gold will be the beneficiary of that.   Property: If you buy commercial buildings or newbuild blocks of flats and you convert them, the capital allowances are available on the purchase price up to 20%. When you convert the buildings all the work that you do to the communal areas between the flat you can claim capital allowances on.   Stock Market: Look for companies that are currently in trouble, but are fundamentally going to be okay in the long run. Be prepared to lose money on stocks on occasion. If you want to make money over time buy some market trackers i.e Footsie or Dow Jones trackers which track the market, have very low fees and allow you to spread across the stock market.     BEST MOMENTS “Straight away you are at an advantage because you can get it much cheaper.” “There is an immediate advantage there.” “They’re inherently risky.” “Let father time pay it down.” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode:  How To Perfectly Invest £250,000 |Property | Stock Market | BusinessWatch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTVListen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rsLinkedIn: https://uk.linkedin.com/in/robmoore1979‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Do you want to become a sophisticated investor making large, sustainable and scaleable returns on your investments? In this episode of the ‘How To Invest For Maximum Returns’ mini-series Mark and Rob go big advice, tips, tricks and the fundamentals of investing £100,000 in the best property strategies, proven business models and appreciating assets such as classic cars and vintage watches. Tune in and discover the tried tested BRR property tactics that can make you over £1,000 per month along with new properties every 8 months and why a bootstrapped business model could be the best return on your investment yet. WATCH ON YOUTUBE How to Perfectly Invest £100,000 | The Best Stocks | Property | Gold & Classic CarsSUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes KEY TAKEAWAYS When investing always keep 10% contingency back as a reserve. Being liquid is really important when things change, cash is needed to cover costs and pay bills and if you have no liquidity in your business you may struggle when cashflow is needed and your cash is tied up in investments   Property: £100,000 investment in the BRR single-let property strategy will get you started with three units that you can roll over continuously and by getting your initial deposit back out you can leverage the bank’s money to purchase three more single-lets, refurbish and refinance them every 9 months and you can quickly build up a property portfolio.   Property: A £100,000 investment opens the doors to new property strategies such has high-end HMO’s of at least five bedrooms. Done correctly to a high specification on a property where you can add value and you’re able to get an investment valuation to retrieve your initial deposit, this property strategy can generate up to £1,000 per month and you can easily recycle the cash onto your next investment.   Appreciating Assets: Classic cars such as the Ferrari Testarossa, Porsche 911 and 997 GTT are good investments are this price range as they’re in limited supply and good demand. Vintage watches such as Patek Philippe Nautilus and Rolex Daytona’s are solid and sought after assets that will steadily go up in value over time. Business: By blending the sweat-equity model with a portion of your £100,000 investment and good knowledge of the market you’re entering you will see huge returns on your initial stake. If you bootstrap your business by reinvesting all of your sale cash back into the business with a lean focus on systems and marketing and prove that the business model works and it can be scaled.   BEST MOMENTS“On balance fixed-rate mortgages have always cost us more, it’s effectively an insurance policy” “To avoid early redemption payments, always refinance with a new lender” “BRR-HMO investments are the quickest way to build income and build cashflow”“Always max out your ISA every year by putting in £20,000” “The older the Daytona you get the better but beware of frankenstein models” “Prove that your business model works first before using all of your investment”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rsLinkedIn: https://uk.linkedin.com/in/robmoore1979          ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome back to episode four of the How To Invest For Maximum Returns’ mini-series. In this episode, Mark and Rob unwrap the perfect investment vehicles for an initial £50,000 investment and share with you the risks, rewards, capital gains and opportunity investments in property, stocks and shares and new start-up business models. Listen in and discover exactly how to get more than 20% return on your investments, how to leverage your initial stake for higher returns, why it’s important to diversify your portfolio and why starting and scaling a business can still be one of the best investments you can make today. WATCH ON YOUTUBE How to Perfectly Invest £50,000 | The Best Stocks | Property | Gold & Classic CarsSUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes KEY TAKEAWAYS Property: For £50,000 you can purchase a freehold house and get a net return including 75% leverage from your 25% residential buy-to-let mortgage on you 15% or more on each property purchase. This is by far the investment strategy with the highest possible maximum return. Purchase a 130k+ house that could be worth 170k+. Add value with a refurbishment of no more than 10k and roll your initial 25% investment back out and keep going. If you’re able to fully retrieve your deposit by refinancing you will have gained an ROI of 100% and now have a proven appreciating asset and your initial investment back.   With an initial investment of £50,000, you have the ability to diversify your investment strategy. As long as your investing in areas of the country where the population is growing you can secure multiple positive investments for £50-60k, flip the property and also use different property strategies such as But-To-Let, Commercial Conversion or HMO’s dependant on your area. Additionally, you can also keep some of your investment aside to use for tracker funds and other commodities. Stocks & Shares. When investing in stocks and shares its a good idea to diversify your portfolio into 15 or more different equities. Smart diversified tracker fund investments with Hargreaves Lansdown or Vanguard with good growth potential are ishare emerging markets equity index class H (accumulation), Vanguard FTSE 100 index (accumulation) and Legal and General index (accumulation). These funds cover blue-chip companies and are a low-risk investment. Business: A £50,000 investment can enable you to start a number of profitable business models but the ‘sweat-equity’ model whereby you work hard to cut costs and save money, in the beginning, will give you a greater chance of success in the future. Focus on a minimum cost model with the majority of your initial investment spent on marketing to grow your business and sales to generate cashflow. eCommerce (Amazon/Shopify), content and informational based business models are growing marketplaces right now.   BEST MOMENTS “Since investing in property we haven’t sold our properties, we’ve simply kept on rolling our investments on with our existing portfolio seeing a 10% capital gains.” “The sterling value is decreasing as the currency inflates and mortgage rates go down” “You won’t get a better ROI on your investment than property” “Why would you not borrow money at 1.5% and invest it to make 15% or more. “Buying your own home is a blessing” “You could turn a property into an HMO, increase your rental income along with the capital gains and see returns of 20%+. There is no better investment strategy for maximum return than property.” “With a residential property, you can get 75% leverage on your initial investment”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ https://www.vanguardinvestor.co.uk/https://www.hl.co.uk/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rsLinkedIn: https://uk.linkedin.com/in/robmoore1979        ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Listen in to episode three of a Mark Homer’s brand new mini-series on ‘How To Invest 25k’ for maximum returns. In this episode, Mark and Rob dive into the perfect investments you can make with £25,000. Join in as they cover the top investment strategies and their risks and their returns from property tactics and fundamentals to what industry to start, grow and scale your business in and which investment stocks, shares and trackers you should be adding to your portfolio. WATCH ON YOUTUBE How to Perfectly Invest £20,000 | The Best Stocks | Property | Gold & Classic CarsSUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS Property: For £25,000 you can quickly and easily source a buy-to-let property that has an opportunity to add value. Aim to purchase in a cheaper area of the country so that you can roll that capital investment into further single-lets after refinancing. Business: A £25,000 investment can enable you to start a number of profitable business models but the ‘sweat-equity’ model whereby you work hard to cut costs and save money, in the beginning, will give you a greater chance of success in the future.   Shares: £25,000 can easily be put into tracker funds or single equity investments although at a higher risk. It’s a good idea to spread your shares around for minimal risk and maximum return. Investing in the top 10, premium bonds and precious metals can help to diversify your portfolio. If £25,000 is all you have you invest, with no contingency but still want to get a maximum return Rent2Rent property investing is the quickest way to generate a monthly passive cashflow. It would be wise to keep £5,000 aside as a backup and seek a JV partner for further property investments Starting a business can be the best way to see huge return on your investment but you must build your business with minimum outlaw with a maxim spend on marketing to grow your business and generate clients. eCommerce (Amazon/Shopify), content and informational based business models are growing marketplaces right now.   BEST MOMENTS “Premium bonds can yield you a 3% return” “There have been some big losses with crowd-funding over the recent years” “The Steel Daytona is a good investment watch to purchase now that will increase in value in the future” “It’s critical that you love what you’re putting your money into. You need to want to read, learn and become better at the investment that you make.”   VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ https://www.vanguardinvestor.co.uk/https://www.hl.co.uk/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rsLinkedIn: https://uk.linkedin.com/in/robmoore1979‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Are you looking for the best active and passive investment strategies? In today’s episode Mark is joined by Progressive Property Co-founder, Rob Moore to discuss how to perfectly invest £10,000 in today’s economy. Discover how to get the quickest returns on your investment for short, medium and long-term capital growth. Hear Mark and Rob deep dive into asset investments with recommendations on classic cars, vintage watches and hot property investments. WATCH ON YOUTUBE How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic CarsSUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS The quickest returns on an active £10,000 property investment will be when you combine your capital with effort and hardwork and create a business. The best property businesses to start for returns are Rent2Rent, Serviced Accommodation or Deal Packaging, but also consider the option of a JV with somebody else. If you’re passively investing £10,000 the safest options are most ISA’s or a portfolio of tracker funds that invest in the FTSE or American spread. Platforms such as Vanguard and Hargreaves Landsdown are recommended to use.   One of the better longerterm passive investments to make is in classic cars and watches. If you do your due-dilligence using sites such as Glenmarch you can track the price of classic cars and their average price sold. With the right research on the right premium brands these investments will increase in value year on year and you will see a positive return. eCommerce is a great opportunity for investment, it’s a growing market with huge potential for scale.   BEST MOMENTS “By starting a business and by working hard you will see a better return than any other investment strategy” “We started our training business with £300 each” “Put your £10,000 into a business that you’re passionate about so that you’re motivated to grow” “Purchased non depresiative items” “Do your own diligence on all your investments” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/ https://www.glenmarch.com/https://www.hagerty.co.uk/valuation/tool/https://www.vanguardinvestor.co.uk/https://www.hl.co.uk/ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rsLinkedIn: https://uk.linkedin.com/in/robmoore1979    ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Getting into investing can be hard, but with the advice from Progressive Property Co-founders Mark Homer and Rob Moore, it just got a lot easier! Mark and Rob discuss how to perfectly invest £5,000 which an array of investment opportunities and tactics for every entrepreneur to level up their investment strategy. If you’re looking to make a good return on your capital and invest in something you love, this episode is for you. WATCH ON YOUTUBE How to Perfectly Invest £5,000 | The Best Stocks | Property | Gold & Classic Cars SUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS When you are investing, you have to first decide whether you want to use your time in that investment which is called active, or whether you don’t want to use your time in an investment which is called passive. £5,000, is a relatively small sum to begin investing so for the highest return it would serve you to invest in a business, invest your time and invest the bulk of your finances in marketing to drive increased sales. If your passion is to invest in property if may be wise to continue to save until you can move into property investment full time and be smart with your finances by securing loans and JV finance to turn your initial investment into much more. You could also invest it in stock marketing or ISO, but this is passive and it would take longer to generate a huge amount of money. This would be a slower investment and return overtime but can yield impressive results. Training and education businesses are a very good investment because you only need to have the internet and a good phone to record yourself. You only need to know something to teach and a paying audience will listen. Classic watches and cars can generate huge returns if you purchase them at the right price, but it would be more beneficial to invest in a business to generate you the type of passive income you need to invest in wealth-generating assets. Cryptocurrency is a newer market that can give you a very high return when the price and market cap go up. BEST MOMENTS "I would invest it in marketing to generate leads to clients resulting in sales." “Nothing is truly passive; you have to work hard for you not to work hard.” “It is important to preserve capital and have contingency cash.” “Cash protects you in terms of your monthly bills, liquidity and also pay your debts.” “Invest in something that you love doing.” VALUABLE RESOURCES https://www.youtube.com/user/progressiveproperty https://www.progressiveproperty.co.uk/the-progressive-co-founders/   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Today Mark is joined by acquisition and business strategist and CEO of The Deal Makers Academy Jonathan Jay and together they discuss all things business. Discover today how you can only improve your business skills as the years go on, how to get into a ‘deal flow’ and why implementation will allow you to become hugely successful.   KEY TAKEAWAYS   So many business owners think that they only get one shot at the business. The reality is they can do it again and again and get better as the years go one. The expertise and the knowledge that you learn throughout your business ventures are around the acquisition, the stabilisation, the optimisation and then the exit, rather than that particular business.   The only amount of money you should draw as income is the amount of money you need. People see big salaries as a way to boost their ego. However, if you don’t need the money, then what is the point? Leave the money in the company and move it sideways to invest in a property or other things, rather than taking it out and being heavily taxed on it.   Getting yourself into a deal flow is just a piece of marketing. If you get the marketing correct and follow certain processes, you can turn the tap on and create a flow of deals. When you have a deal flow, you become an amazing negotiator because you are not wedded to any one particular deal. You just don’t care if the deal doesn’t happen. You don’t get a deal if you are chomping at the bit to buy something.   The difference between those who succeed incredibly and those who always seem to struggle is implementation. It is not procrastinating over what you want to do, it is just doing it and not worrying about getting it wrong or waiting for it to be perfect. Deliberating over decisions will not always end up with a better result, sometimes you have just got to go for it and trust your instincts. Test things, measure the results and tweak when needed.   As unemployment will inevitably get worse, there is going to be more focus on training people and upskilling them. If the shops aren’t open and there are fewer opportunities in retail, travel and hospitality then people will have to do something else. To do something else you quite often have to learn something new. Investment in apprenticeship and NVQ schemes is a good idea as more people will be looking to acquire new qualifications.   BEST MOMENTS “It is not always about the money, sometimes you just don’t want to be doing something any more”   “We’ve made plenty of mistakes, but we’re now in a position where it is running properly. We just aimed the gun and fired it afterwards.”   “Whilst everybody else is thinking about it, I am doing it, and getting things done.”   ABOUT THE GUEST Jonathan Jay has bought and sold businesses for over 20 years, buying from private equity firms and selling to them as well, as well a numerous trade deals. The Dealmaker's Academy is a UK leader in training people to buy and sell businesses, without risking their capital.   USEFUL RESOURCES   https://www.linkedin.com/in/jonathan-jay-3556b230/?originalSubdomain=uk https://www.youtube.com/channel/UCHmCcfQJpMPLAMPjlTXG7eQ https://podcasts.apple.com/no/podcast/business-buying-strategies-from-the-dealmakers-academy/id1369703084 https://www.thedealmakersacademy.com/about-us/?v=79cba1185463   ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Tune in to a brand new and exclusive live investing 12-week mini-series with your host Mark Homer and Progressive Property Co-founder, Rob Moore every Monday at 7PM.   Each week Mark and Rob deep dive into the art of investing with actionable advice on investing in business, property, stocks, shares, assets and more with any amount of pounds or dollars, all the way from investing with nothing, up to investing £1 million. At each stage and at each investment amount there will be a different strategy, a different asset class to invest in and a different approach to investing that is tailored to yield the best return.   HOW TO WATCH Watch Live On The Progressive Property YouTube Channel Every Monday At 7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS   Discover the fundamentals of investing and why you must preserve capital at all costs, whilst maximising leverage to increase your capital.   Understand low, medium and high-risk investing strategies and tactics from defensive investing in low-risk physical asset classes such as wine, gold or art to high-risk high-return strategies tailored to your investment pot. At each stage and at each investment amount there will be a different strategy, a different asset class to invest in and a different approach to investing that is tailored to yield the best return.   Learn the value of compound interest, how to know when and what you can leverage and the difference between active vs passive investing. Uncover the secrets to the trade-off between returns on time and returns on capital among all investment classes. BEST MOMENTS “One of the best return on investments I’ve ever gotten has been investing in myself and starting a company” “Each time you rise up and increase your investment pot your strategy will change”   VALUABLE RESOURCES Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

The property world can be very daunting, particularly the finance side. Join Mark today as he simplifies the hidden costs of property finance and talks you through what to look out for when looking to get financing. Mark discusses the advantages of bridging finances, the hidden expenses in fixed-rate mortgages as well as looking out for exit fees.   KEY TAKEAWAYS Bridging finance is something that people may choose to use on properties where there may not be any income and traditional mortgages are not available. Bridging finance is usually available on any sort of property and it is really just based on the loan to value, however, it is much more expensive. Often, bridging finance will get you in on the teaser of 0.5% per month, usually by the time you go to exchange it is likely to be more expensive, potentially up to 16%.   Fixed rates are generally more expensive. They are more expensive because effectively it is like an insurance policy against the interest rate rises. The fixed-rate deals over time usually have ended up being more expensive than the variable rate. Generally speaking, the market is offering fixed rates at the premium to the expected average interest rate that you’re going to be charged during the term of the mortgage.   Always look at any exit fees you may face. On investment loans there generally isn’t any, however on bridging loans you may get some for 1%-2%. With development finance, which is the type of finance you will be taking out to develop properties, there can be an exit fee. This exit fee may not always be a percentage of the loan, it could be a percentage of the gross development value of the project, which can be very significant.   If you are going to be doing stuff that is a little bit outside of the box (perhaps you are doing a large HMO), you may find yourself looking towards an Aldermore or Shawbrook type product. They can be great on smaller deals that are outside the box, but they can be very expensive. They may be 5%-6% interest whereas if you went to a high street or to a commercial bank, they might be doing it for 2.5%.   BEST MOMENTS “So often I get people coming to me saying ‘I’ve got this mortgage and it is a really low rate, isn’t it great!’ but it is only a two-year deal. You really need to look at everything in the rounds” “I generally prefer variable-rate mortgages but I find that fixed rates are a good insurance policy, but you need to pay for that.” “Just be mindful of that. Do you always want to do out of the box deals if it is going to cost you almost double the rate of interest?”     ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Are you keen to start a new business venture but don’t know what to expect? Or perhaps you’re running a business and wanting a helping hand? Join Mark Homer today as he discusses the hidden costs of running a business. Discover the importance of not hiring cheap employees, having enough cash in the bank to survive a recession and being able to adapt to new industry standards.   KEY TAKEAWAYS Hiring cheap employees can potentially be a huge hidden cost when running your company. When you want 10/10 employees you have got to pay for them, they will be worth three or four times more in revenue than a poor employee. They will also save you a lot of money in losses and costs.   A hidden cost of running a business is buying unnecessary products to furnish your offices. These can cost a company tens of thousands of pounds when starting a company when they don’t have much cash in the bank. It is much more important and worthwhile to put your money into marketing, sales and growing your business. The material items can come later.   Not keeping cash can be a huge cost to the business. You do need to keep some cash, as we have seen through this COVID period and the previous recession there are some businesses who did not have cash in the bank. These companies were unable to switch their business model and ended up going bust. Be focused on keeping good chunks of cashback to ensure your business can carry on trading.   When the market changes, competition comes along. You need to be able to adapt your business, if you’re standing still and staying the same you will no longer be relevant. You won't have adapted to the market as it has changed and you will end up going bust. The competition will come along, your customers will want other things and your competition will respond to that and take your business away from you.   Diverting time into nonsense. Lockdown has been a great eye-opener for how much nonsense was really going on in daily life. Unnecessary travelling, phone calls and other distractions take place in the office each day which do not serve many purposes to your business. Focus on your income generating tasks so that you are not getting diverted into other issues that are not productive.   BEST MOMENTS “Only hire 10/10’s. Pick the best, surround yourself with great people.” “The best businesses start in the garage with nothing and grow their revenue stream. That is the most important thing.” “Businesses do not go bust due to lack of profit, they go bust due to lack of cash.”   ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

If you’ve been thinking about taking the plunge on investing in HMO’s but are not sure about the hidden costs involved, or perhaps you already have a portfolio, and can’t understand where all your money has gone? Then listen in today as Mark identifies the hidden costs of HMO’s and multi-lets. Mark outlines the importance of managing your utility bills, using detailed referencing to source the perfect tenants as well as doing up your property and setting it apart from the rest to ensure it is always occupied.   KEY TAKEAWAYS The first big hidden cost with HMO’s are utilities. It is important you manage these because lots of tenants will regulate the temperature of their rooms by opening the window rather than turning the thermostat up or down. Put a system in there which controls the temperature range and also the times that the heating comes on.   Secondly, you may come across some conflict between your tenants. Noise complaints, mess complaints and anti-social behaviour are no good when this could potentially upset your current, good tenants. Reference your tenants well, make sure you get working tenants and if that has not worked, and somebody is still causing problems eventually you may have to serve notice.   Cleaners may not do their jobs sufficiently in communal areas. Make sure everything is clean and tidy and you hire trustworthy companies to look after your property so as to not upset your tenants. Enforce regular inspections to ensure the property is tidy which will, in turn, make it a lot more marketable and people will want to stay.   Voids in HMO’s can happen reasonably and frequently. Inevitably the property will fill up if your HMO looks the best. You really need to dress it nicely and market the property with professional marketing photos.   Make sure you take out the correct HMO protection. Go to a broker (preferably one broker for the whole portfolio) and ensure you get the correct type of insurance so that when you do eventually have to make a claim, you will receive your payout.   BEST MOMENTS “Make sure you are getting the cheapest electricity and gas.” “Make your HMO look the best in the town and you will keep it full.” “This could mean the difference between thirteen hundred pounds in council tax and potentially four or five thousand.”   ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

If you’ve been thinking about taking the plunge on investing in HMO’s but are not sure about the hidden costs involved, or perhaps you already have a portfolio, and can’t understand where all your money has gone? Then listen in today as Mark identifies the hidden costs of HMO’s and multi-lets. Mark outlines the importance of managing your utility bills, using detailed referencing to source the perfect tenants as well as doing up your property and setting it apart from the rest to ensure it is always occupied.   KEY TAKEAWAYS The first big hidden cost with HMO’s are utilities. It is important you manage these because lots of tenants will regulate the temperature of their rooms by opening the window rather than turning the thermostat up or down. Put a system in there which controls the temperature range and also the times that the heating comes on.   Secondly, you may come across some conflict between your tenants. Noise complaints, mess complaints and anti-social behaviour are no good when this could potentially upset your current, good tenants. Reference your tenants well, make sure you get working tenants and if that has not worked, and somebody is still causing problems eventually you may have to serve notice.   Cleaners may not do their jobs sufficiently in communal areas. Make sure everything is clean and tidy and you hire trustworthy companies to look after your property so as to not upset your tenants. Enforce regular inspections to ensure the property is tidy which will, in turn, make it a lot more marketable and people will want to stay.   Voids in HMO’s can happen reasonably and frequently. Inevitably the property will fill up if your HMO looks the best. You really need to dress it nicely and market the property with professional marketing photos.   Make sure you take out the correct insurance, specifically for a HMO. Go to a broker (preferably one broker for the whole portfolio) and make sure you get the correct type of insurance so that when you do eventually have to make a claim, you will receive your payout.   BEST MOMENTS “Make sure you are getting the cheapest electricity and gas.” “Make your HMO look the best in the town and you will keep it full.” “This could mean the difference between thirteen hundred pounds in council tax and potentially four or five thousand.”   ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Do you own single let accommodation, and are racking up unexpected costs each year but can’t figure out why? Or plan to start but want to know the cost involved?  Listen in to today’s podcast where Mark takes you through all the hidden costs involved in single lets which will avoid eating into your profits. Learn the importance of finding great lettings agents that ensures your property is rented out quickly and with brilliant tenants, the benefits of purchasing your properties under a limited company and why it is imperative to shop around for mortgages and insurance brokers. KEY TAKEAWAYS  The number one hidden cost of single let accommodation is poor letting agents. There are many poor letting agents across the country. The main cost being poor marketing, not finding tenants quick enough when your property is empty and not putting the work into getting the property into a presentable state. A good letting agent will get the property lent quickly and therefore get the rent in for you.    The difference between a good lettings agent and a poor one is huge. You could lose up to half of the rent a year should you find yourself with a poor letting agent. A poor lettings agent may also not reference your tenants properly, therefore putting riskier tenants into the property which again will leave you with loss of rent or possible eviction costs.    Another hidden cost is high mortgage costs and not shopping around sufficiently for a mortgage. It is always beneficial to create a relationship directly with the bank and as you get better you can go to a commercial lender and maybe they will give you a better rate. Take longer-term deals, not always with fixed rates, if you look at the costs and expectation of the market, often the average rate will be lower if you go on the variable.   To help save on some hidden costs, it is a good idea to purchase properties under a limited company. If you put properties into a limited company you can always offset all the mortgage rates against the rent, and you will only pay corporation tax on the net rent after you have taken the mortgage rate off. There is a big benefit there, especially if you want to scale and grow.    Not choosing the right type of builder for your refurbishment can rack up some high and unexpected costs. Focus on choosing individual tradesmen, try and source materials for them through LNPG, research the cost of materials this will all end up controlling the costs for you.    Make sure you take out the correct HMO protection. Go to a broker (preferably one broker for the whole portfolio) and ensure you get the correct type of insurance so that when you do eventually have to make a claim, you will receive your payout.    BEST MOMENTS   “You have often got to kiss lots of frogs before you find a good one.” “There is a very big gulf between a great lettings agent and an average lettings agent.” “High mortgage costs can cost you in a big way, short deals sound great but they are not really protecting you against much at all.” VALUABLE RESOURCES: https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwjdkd7UiPfpAhVsQUEAHSPSC3kQFjABegQICRAB&url=https%3A%2F%2Ffast-asleep.com%2F&usg=AOvVaw1h19Fa_6IPVVrXPkbCQDJb  ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Learn how to make the most of the opportunities coming your way in property later this year after the COVID-19 pandemic. Listen in today to discover how to utilise empty retail buildings and convert them into property developments, the importance of creating strong relationships with estate agents as well as learning which areas of property are currently on the rise and which to avoid. KEY TAKEAWAYS: As we progress throughout the year it is likely we will be in a situation where agents are going to be more and more interested in persuading their vendors to do deals. There will be more opportunities as the year goes on. Retail will be one industry hit the hardest after COVID-19, therefore there is likely to be many opportunities to purchase these retail buildings and convert the upstairs of them into apartments or rooms possibly using permitted development whereby you don’t need planning consent. It is important to focus on learning how to develop your relationships with estate agents because it is those guys who will bring you the best deals. In addition, you may find that the cheapest deals will be at the auctions. In a down market, the market will let you pay a lot less than the value. There is currently a high demand for HMO (houses of multiple occupancy) rooms due to many people's personal circumstances. As long as you create a great product and spend on the interiors to make them really high spec, there is a lot of benefit and opportunity when utilising HMO’s. There is likely to be a big demand for going direct to vendors when looking for new investments. Find vendors through marketing techniques such as leafleting, you may find people who are wanting to sell their property but do not want to publicly advertise. You need to get out there and explore new opportunities. Get out there and meet the agents and have a quality framework to use to negotiate and build those relationships.   BEST MOMENTS “The people in the know, they are out there now starting to talk to commercial agents.” “They want to get out of their jobs, and they want to start investing themselves.” “There is a lot of opportunity there to increase your yield.”   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Are you thinking about joining the world of property investment but don’t know where to start? Or are you simply looking to expand your property portfolio whilst there are some deals around? Well, listen in today as Mark answers all your property questions from commercial to residential conversions when the best time is to pick up a deal as well as busting the myth that the buy to let industry is dead. KEY TAKEAWAYS: It is likely that there has been a lot of reduced prices in the commercial sector since the pandemic. There are great deals in this sector emerging with some commercial buildings going for less than half their original listing price. The easiest sector to do commercial to residential conversion is an office building or a retail building with up to two apartments as you don’t need planning permission. Whilst they won't be the cheapest in comparison to pubs or larger retail units, they do offer the least amount of hassle in regards to planning permission. Property values are already decreasing. By the end of this year the economic situation will inevitably get worse because the grant money, furlough schemes and all the loans will start to wear off. Now is the time to be out there buying stock and bidding on cheap property as there will be some good deals out there. There is no predicted exact date as to when the best deals will be. Start building your contacts with estate agents now, you may get a deal now but if not you will have built that bank of contacts and by the time the cheapest stock is out there all your contacts will be in place and you will be offered the best deals first. Now could be a good time to purchase land if the price is right, due to recent changes you can get more planning consent on greenfield sites. You may use this period to get planning consent and then in a couple of years time you can be building and selling into the market. Buy to let is alive and well you just need to buy the right property and ensure that it is high yielding and make sure you are putting it at the right sort of entity for the tax treatment. It is also a good strategy to buy single lets and utilise them as long as they are high yielding and bought for the right price.   BEST MOMENTS “This time around I will do the same things, just go and buy a load of cheap stock that is high yielding.” “The best deals are the ones that you find, you should get started now.” “Buy to let is absolutely not dead, how could it be? Think of how many landlords and how many tenants are in the country.”   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Do you feel restricted on what you can achieve in life because of your poor sleeping habits? Discover today the importance of getting enough sleep and the effect this can have on your physical and mental health and how mastering “sleep restriction therapy” will change your life for good! Listen in today to find out more. KEY TAKEAWAYS: Sleep is one of the most important bodily functions. Not sleeping has all sorts of long term health consequences such as heart disease, cancer, obesity and it has a massive impact on individuals cognitive functioning. Often when you really try to put your mind to something, and you focus hard on fixing it, you will succeed. There are many things that can help you fall asleep, such as not eating after 7 pm, only drinking water after 8 pm, no screen time after 9 pm and taking a warm, relaxing bath in the evening as well. Another successful way to help you sleep is by practising sleep restriction therapy. You need to create a strict sleep diary and only go to bed for the time that you will be asleep. Limiting the things you do in bed, these include no reading, no watching TV and not using your phone. The process can take a couple of weeks to get you from sleeping a poor 4-5 hours to a full 8 hours. The therapy is adjusting your circadian rhythm and you must stick to it rigorously.   BEST MOMENTS “Times of higher stress can affect your sleeping.” “It will change your life, it changed my life.” “Within a week, most insomniacs show that they went from 67% sleep efficiency to 87%” VALUABLE RESOURCES: https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwjdkd7UiPfpAhVsQUEAHSPSC3kQFjABegQICRAB&url=https%3A%2F%2Ffast-asleep.com%2F&usg=AOvVaw1h19Fa_6IPVVrXPkbCQDJb ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

KEY TAKEAWAYS The model of buy, refurbishment and rent was the strategy that really worked for me. It’s all about the leverage you can get. I have a successful strategy but am always interested to learn about something different I like to find someone who is doing something successfully then model on that. Property is opportunity led we may now see more commercial coming to market. Big changes will also bring big opportunities. There are lots of layers in the COVID situation and there can only be a broad overview of how to move forward because no one has all the facts. Coming out of this will be in part guided by the media and how long they continue with a negative message. There is money available for borrowing It’s all about confidence We have carried on working on our construction projects throughout this pandemic but have had plenty of challenges around supplies. Lots of self-employed people continued to work because they had to otherwise they had no income at all. There is nothing legally to stop you from opening your office. It’s about finding your way around the issues.   BEST MOMENTS ‘With construction, the challenges came with getting materials as suppliers closed’ ‘There are lots of variables and we don’t know what they are at the moment’ ‘Have a successful strategy but always be interested to learn’   VALUABLE RESOURCES The Property Nomads Website https://podcasts.apple.com/gb/podcast/the-property-nomads-podcast/id1440016017 The Property Nomads - Stitcher Buy To Let: How To Get Started – By Rob Smallbone (Amazon) Progressive Property website Mark Homer LinkedIn Warren Buffet Berkshire Hathaway Annual Meeting Bank of England Monetary Policy Report Youtube   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

If you’re wondering what life after lockdown will look like for the property market then tune in today to discover how to make the most out of a rare opportunity. Mark discusses when best to purchase property at the lowest price point, to the safest revenue streams if you’re just starting out and what strategies you should use when investing post COVID-19.KEY TAKEAWAYS: There is likely to be a decline in house prices once Estate Agents are back up and running again. Unemployment will rise significantly therefore the pressure on housing prices to fall will be great. There will however be many opportunities to buy cheaper with increased yields with many people preferring to rent rather than buy. No money down is still possible. You could look into ‘rent to rent’ deals which may include a very low amount of money to be used for legalities. You could also look into JV partnerships which include little to none of your own money used as well as leases on properties to reduce the capital that you need to put in up front to zero, here making it no money down. If you are starting out in property at this moment in time, it would be advisable to go with single let properties as well as HMOs and to stay away from hotels and serviced accommodation. When we come out of lockdown the economic crisis will not suddenly revert. There will be a period of time where it will be quite depressing, there will be a nice window of opportunity to purchase properties at a lower price point than before the pandemic. To obtain accurate and trustworthy information in regards to the economy and the current situation in regards to the pandemic, read valuable news source such as the Financial Times or the Prime Ministers broadcast. Steer clear from listening to people's opinions on social media.   BEST MOMENTS “There are going to be many opportunities which you will want to take advantage of.” “There are lots of industries that will do quite well out of this.” “Put your cash in the bank and in a savings account!”   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Government Schemes & Benefits During The Pandemic DESCRIPTIONMark is joined by finance expert Shaz Nawaz where they discuss the benefits of the government's latest scheme to help people during the pandemic. They cover topics from Furlough to repayment holidays, the rights of the employer and the employee and discuss how local governments are dealing with COVID-19. Now is a perfect time to sort out your finances and save money. Tune in to find out more. KEY TAKEAWAYS: Previously an employee has to have been off work for 4 days to claim statutory sick pay, however, what the government has decided to do is reimburse the employer for the first two weeks of sickness. The employee can continue to claim themselves for up to 28 weeks. The government furlough scheme is allowing companies to claim their employee’s salaries from the government, they will pay up to 80% of a salary with a limit of 2500 pounds back, as well as claiming National insurance and the 3% pension schemes. If you have monies owed on a credit card during this period, there are repayment holidays for up to three months available as well as on general loan repayments. Overdraft and overdraft interest fees waived up to 500 pounds, many banks are automatically waiving these fees. If you don’t have an overdraft you can apply for one up to 500 pounds. Local governments are advising that the impact of COVID-19 will last approximately 12 months. However this does not mean there will be a lockdown until then, this should be lifted in May or June starting off by opening schools and small businesses and gradually increasing events whilst implementing social distancing measures, all the while monitoring public health. Investing in bonds is a secure place for your money. Bonds are loans issued by governments. The UK government issues something called guilts which are bonds that you make to the UK government which attract a very low rate of interest, sometimes negative. In terms of security and getting your money back, they are about as good as it gets because the UK government is an issuer of its own currency, meaning it in theory cant go bust.   BEST MOMENTS “It is really important for people to be focused on their finances like they are looking after their personal health” “In terms of getting back to normal, we won't be getting back to normal like we were in March, until next March” “This is going to continue beyond the lockdown period”   ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive   ABOUT THE GUEST Shaz Nawaz, is a chattered account tax advisor and industry expert whose knowledge has often been featured in well-established national publications, and he insists on ensuring that his team is just as dedicated to the industry as he is. Shaz believes in motivating you to do better for your business as well as your finances.  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Progressive Property Co-Founder, Mark Homer takes over the podcast and is joined by Property expert and Co-founder and Managing Director of Progressive Lets, Wayne Beecham. Together they discuss the impact of Covid-19 on the property industry and the challenges landlords, tenants and agents are facing and how they can overcome them. Don’t miss the on this must-listen episode.   KEY TAKEAWAYS   Q. How are you handling the Coronavirus situation and what are you doing in your businesses at the moment? At the moment from a letting agency's point of view, from both how the business operates and managing the financials of a business and also how it affects each individual landlord and tenant. From the business point of view, we are going into a hibernation mode where we are prioritising what jobs are important and what fundamentally needs to be done and to make sure we are protecting the income of the business. From a business point of view, we’re working on reducing our overheads, as well as evaluating problems such as tenants not being able to pay their rents and the impact that may have on the landlords and the action landlords need to take to ensure they can still profitably run their property portfolio.   Q.How’re you dealing with tenants being unable to pay their rent? First of all, we need to assess each individual tenant, it is very easy especially with a three-month ban on evictions is making sure the tenant is not being an opportunist at this time. First of all, we have had to assess whether the tenants are affected by this and they have got a list of documents, queries and questions to answer to ensure that they are being affected, from there it is about educating and finding a solution to that problem.   Q. What would you do if a tenant decided to stop paying their rent? If the tenant has had a change in circumstances it is a case of evaluating the situation, so exactly what has happened? And what sort of situation they are in? What losses are they currently encountering and how can we deal with that situation? You do have to evaluate each individual tendency depending on the situation they are currently in. Q. Is now a good time to sell? Now is a terrible time to sell. You’re not going to find any buyers because agents are shut, any buyers that are here are probably scared about their job, mortgages and what will happen to property prices. If you can hold on, get it to let and maybe take less rent and trade your way through it. The worst thing to be at the moment is to be a seller. Q.Are you scared about this crisis or do you see an opportunity? It doesn’t help to be scared, the best thing to do is to plan, or out hat the new world looks like, get in really early and or really hard and modify your business and take advantage of the opportunities that are inevitably going to appear. In times where there are big shifts like this where there are big money transfers and this happened in 2008/2009, a big transfer took place, an it will happen again this time so you need to be ready. You need to be alert, learning, surround yourself (metaphorically =) with god people, and educate yourself through this period and learn from the best.   BEST MOMENTS “By helping and assisting your tenant to pursue getting all the help that they possibly can ensure that there is income owing in assisting both the tenant and the landlord” “As and when travel restrictions are lifted, opportunities will come about” “I don’t think it really helps to be scared” “The world is changing, and you have to grasp these new opportunities” and set your sail in the new direction”   VALUABLE RESOURCES   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle,  and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to the 100th episode of the Mark My Words podcast, hosted by Progressive Property Co-Founder and expert investor, Mark Homer. Tune in to an exclusive anything goes Q&A, Mark answers listeners burning questions from the best way to get into property to what he is currently buying and selling in this uncertain time. Don’t miss this one-off special.KEY TAKEAWAYS: Q. What is the best way to get into property with limited money?       A. The quickest way would be to find a partner who you can work with or possibly do a rent to rent deal whereby you are leasing properties from another landlord and then subletting rooms out. You could also do a JV with landlords where you can source properties for them and get into it that way using their money. Q. Will the world be the same after COVID-19?       A. I very much doubt it, I think people will want more protection when traveling. They are probably not going to get on a plane in the same way, they will be using more sanitisation products. Until we can get a vaccine I think people will behave differently. Q. How do you recommend finding a JV partner during the lockdown?       A. I think online is perfect. You are going to be having a lot of virtual relationships online because you cannot go out and meet people. Facebook, Twitter, Instagram, and LinkedIn are good ways. You can make lots of calls virtually on Zoom or Skype. Q. If you’re starting out in property now what strategy would you use and when?       A. If you can buy serviced accommodation units or hotels provided you have an experience that is a way forward. If you are inexperienced I think sticking with single lets or HMO is still a good idea, just ease yourself into it gently by doing only one. You will probably face some issues initially with getting people to move and buying property in this three month period. Learn as much as you can online, download study packs and get ready. Q. What are you currently buying and selling?       A. I am not buying anything at the moment, I am developing a number of apartments and I have another one in the planning. Q. What shares and stocks are a must-buy?       A. You could buy individual stock. If you are looking for a five to ten-year horizon then you could probably do well out of it. If you’re worried they will go down again then I wouldn’t buy right now. If you are not experienced you may want to buy a FTSE tracker fund or something like that where they put you into a nice spread of the market with very low fees.   BEST MOMENTS “Cash is king right now” “Educate yourself, and get ready”   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join Rob Moore and Mark Homer as they cover unchartered territory in this exclusive Q&A as they talk about what is affecting us all in this uncertain time. They talk about  the current property market and The implications and complications that isolation has How to continue trade to keep business going and  How they are personally navigating through these uneasy times.  This Q&A is ideal if you are worried or just simply intrigued about property, business or how others are handling the current global pandemic    Here are some of your questions and topics this duo has covered:   Right now, should you be buying a property?  Will interest rates go negative? Should you be considering  extending  credit from your suppliers? Rob and Mark give you their tips and suggestions on overcoming procrastination PLUS the secret of Robs coffee order is revealed!     Progressives founders are leading the way to show you it is ok to feel lost and challenged in your business right now and how this year can be a pivotal moment for you and your future. It is all about prioritising and this is definitely one to prioritise as you receive industry insights AND all questions are on the table!      VALUABLE RESOURCES Progressive Podcast Supporter Programme - http://bit.ly/PPsupporter Life Leveraged Book - https://www.amazon.co.uk/Life-Leverage-Outsource-Everything-Lifestyle/dp/1473640288 Mark Homer LinkedIn - https://www.linkedin.com/in/markhomer1/?originalSubdomain=uk Mark My Words - https://podcasts.apple.com/gb/podcast/mark-my-words-podcast/id1165370399 Mark Homer Twitter - https://twitter.com/markprogressive?lang=en   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Everyone has a passion or a belief; something that drives them to be who they are. It’s a concept known as ‘Fire In The Belly’, explored further by Pete Lonton this week, when he discusses the driving forces behind the success of his special guest, our host Mark Homer. In this episode, Mark explains what “fire in the belly” means to him, as well as the purpose behind his mantra: “Focus like a laser on one thing, and become the best at it" KEY TAKEAWAYS You need to invest in things you understand, and in which you can, to some extent control. Mark sees far too many get-rich-quick schemes that promise much, but deliver little. Each opportunity contains a truth at its centre. It’s about find that truth and deciding if it’s a fit for you.   Mark was trained at an early age to always play the long game. Saving was a big part of his childhood, and delayed gratification was a value instilled into him by his frugal father. Patience is a quality that has served him well.   Networking with the right people allows Mark to constantly learn and grow. By providing value to the people around him, and by drawing value for them, Mark is perpetually developing.   Investment is largely based around logic. Many of Mark’s successes have been built upon his instinctual talent with numbers, and his highly efficient systems based on data.   Logic sometimes has to take a backseat though. there are times when Mark calls upon his gut instincts to make decisions. But as he explains, these feelings are always based upon experience, which in itself, is a logical choice.   Hard work and self-sufficiency are the main values that Mark is hoping to instil into his own children. The greatest gift anyone can be given is self-reliance.   You can develop yourself if you apply yourself. Baby steps that take you forward, and playing the long game with patience, are essential components for success, development and happiness.   You’re often best-off doing what you know. For Mark and his business partner, Rob Moore, the founding of Progressive property has allowed them to see where they belong, and has made them recognise that the skills and talents they possess are best suited to the company they have founded.   Stagnation is always a business-killer. Look for the opportunities to grow, even in the smallest areas. Be the best you can possibly be.   Ego drives Mark to a certain extent. Pride should be taken in achievement, and it should also be used as a barometer for future opportunities. BEST MOMENTS ‘I love finding the truth of an investment’ ‘I don’t like being frivolous. It makes me feel sick’ ‘People like that are inspiring’ ‘Gut feeling is the distillation of all the things you’ve learned over the years’ ‘If you buy into that then you’re not going to be successful’ ‘Words are only so effective’ ‘You’ve got to keep it fresh’  VALUABLE RESOURCES Mark Homer LinkedIn - https://www.linkedin.com/in/markhomer1/?originalSubdomain=uk Mark My Words - https://podcasts.apple.com/gb/podcast/mark-my-words-podcast/id1165370399 Mark Homer Twitter - https://twitter.com/markprogressive?lang=en ABOUT THE GUEST The ‘Mighty Pete Lonton’ from the ‘Mighty 247’ company is your main host of ‘Fire In The Belly’.  Pete is an Entrepreneur, Mentor, Coach, Property Investor and father of 3 beautiful girls. Pete’s background is in Project Management and Property, but his true passion is the ‘Fire In The Belly’ project itself. His mission is to help others find their potential and become the mightiest version of themselves. Pete openly talks about losing both of his parents, suffering periods of depression, business downturn and burn-out, and ultimately his years spent not stoking ‘Fire In the Belly’. In 2017, at 37 years of age that changed and he is now on a journey of learning, growing, accepting and inspiring others. Pete has the ability to connect with people and intuitively asks questions to reveal a person’s passion and discover how to live their mightiest life. The true power of ‘Fire In the Belly’ is the Q&As - Questions and Actions! The ‘Fire In The Belly’ brand and programme is rapidly expanding into podcasts, seminars, talks, business workshops, development course and rapid results mentoring. CONTACT METHOD https://www.facebook.com/mightypetelonton/ https://www.linkedin.com/in/peter-lonton-4b83184 https://www.facebook.com/groups/430218374211579/ ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join in a LIVE property Q&A discussion with one of the UK’s most experienced investors. Take a seat at an intimate insider property session with Progressive Property co-founder and Mark My Words host, Mark Homer and discover his insider predictions on the UK property market, the shape of current investments, property price predictions and new legislation. If you’re looking to get a head start in property, this is the episode for you. KEY TAKEAWAYS: How difficult is it to raise the value of a certain area? Developers often do this when they develop a larger site. They will do all the infrastructure, road networks and landscaping which will lift the values. I have never seen anybody achieve that by doing it on an individual property by property basis.   How are you finding the market purchasing at the moment? I haven’t bought anything for the last six months, however, I do talk to many people. It depends where you are and what you’re looking for. I had some people telling me that the deal flow was really good at the moment. I think the possibility of a no-deal Brexit had ruined a lot of the sales up. If you’re finding it difficult, I would suggest looking at your supply lines. Get more agents, create leaflets and send them out once a month over the next six months. You should then find improvements in that area.   Can you see any new legislation coming out that will disrupt the market at all? The only thing I have seen was a planning appeal whereby a council told owners that they couldn’t use the property as C3, it is C1 so they required planning consent. Which I thought was bad, but people seem to be carrying on as normal. Other legislation such as section 21, meaning that you’re not going to evict tenants for any reason, it will have to be for misuse of the property or non-payment of rent. I believe there will be more selective or additional licensing and more enforcement. There are lots of changes to leasehold properties, the ground rent is going to be set at zero for new ones.   Are there any general tips you can give on making the transition to the next level up in property? You really need to end up with a margin on cost no lower than 20% once you’re at the end, which may be 30% when you’re starting out. I think it is a couple of units you can do with permitted developments, on your early ones it might be a good idea to go with a smaller unit and convert them. Sometimes you will have to pay more for those. It’s all in how much you buy it for, if you buy it cheap enough then you can almost go through this whole “university degree” with making all the mistakes through the project and come out the other end alright if you got it cheap enough.   I’ve got lots of agents interested in investment, how can I convince them to invest? Go and sit in front of every single agent at least once every two weeks. Try and get them out and have really strong relationships with them. They are having deals but they’re going in other directions. When you don’t get any results for three months, with leafleting and talking to agents just keep rolling. They have to get the leaflets through the door at least three or four times.     BEST MOMENTS “Get more agents, create leaflets and send them out once a month over the next six months.” “I think the possibility of a no-deal Brexit had ruined a lot of the sales” “You can make all the mistakes through the project and come out the other end alright if you got it cheap enough.”   ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

It’s a very special crossover episode this week, entrepreneur, investor, and tax expert Shaz Nawaz returns to Mark My Words! Listen in where they discuss everything from current projects and deals, tax strategies that have worked, the ways in which business can serve the community, and some of the tax misconceptions that might be needlessly costing you money.   The whole conversation is presented for you today!      KEY TAKEAWAYS    A No-Money-Down strategy has worked for Shaz lately. He’s just begun a project involving the building of several properties in a development, without spending any of his own capital. They say “money down doesn’t work”, but Shaz and Mark are of a very different opinion.   Previously, there was no tax to pay on dividends until you used up your basic rate and that’s why people used a corporate partner. That’s also why the rules were changed in 2014.   Large corporates can be brought to places like Peterborough, because the students who study at the university there, are highly desirable in terms of hiring potential. This creates jobs, which in turn benefits the city.   Not everything can go right all the time. Sometimes things go wrong. You can’t prepare for every failure, but you can learn from them.   Shaz predicts that councils will soon own more of their own stock, and that housing-associations will diminish. The profit can then go back to the councils, which means more public spending, which is a complete win.   People should always look into as many tax reliefs os possible, especially hybrid reliefs. Shaz recommends that use of home office for your business can stretch to several rooms, and therefore be larger, if you are holding stock at your home.   Saving money through tax is far more economical for you. If you save £138,000 through your business, then you may only end up with half that due to those savings being taxed. But if you save that amount through tax, then it’s all yours.    BEST MOMENTS  ‘Money down doesn’t work - but obviously it does for you!’  ‘We can’t have our cake and eat it all of the time’   ‘You flatter. Not to deceive!’   ‘You create a circular economy’   ‘It’s reinvention in a different way’   ‘You shouldn’t let the tax tail wag the dog'     VALUABLE RESOURCES    Mark My Words Podcast - https://podcasts.apple.com/gb/podcast/mark-my-words-podcast/id1165370399     ABOUT THE GUEST Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors.   Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultation he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable.   He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets.     You can find Shaz on:   Facebook
  LinkedIn
  Instagram
  YouTube.
  ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Don’t wait on the sideline for things to happen, get ahead of the game and make 2020 your year. If you’re looking for expert advice on property prices, interest rates and the state of the economy this episode is for you. Discover Mark’s top 5 predictions for 2020 and find your opportunity to make a profit.  KEY TAKEAWAYS Towards the end of 2020, we're going to see improvements in the economy. London has been falling 20%, 25%, 30% in some areas, you've got Kensington, Chelsea, Knightsbridge, they've all dropped, probably because they went too far, but also the fact that lots of foreign buyers have not been purchasing because they've been waiting on the sidelines for Brexit to happen. Rents will rise between 5% and 10%. In 2019 the government has attacked landlord, George Osborne introduced clause 24, stamp duty went up and there have been lots of new regulations for landlords. We can see all of this exacerbating, getting pushed into the marketplace and now we're seeing the results, there is less supply of rental property, there are fewer properties available to rent with slightly more or significantly more tenants chasing fewer properties and, therefore, the only thing that can happen is rents will rise. UK interest rates to remain flat through 2020 and we have had a surprise in the market today, in the economy got smaller by point .1%  (Nov 19), but because that surprised the market a little bit, the market has a greater expectation that interest rates may fall ever slightly at the next monetary policy committee meeting. However, I don't think you're going to get much movement at all in 2020. Banks will become more aggressive in 2020. At the end of 2019, we went into a period where banks got quite jittery, and that was because of the yield curve inverted. Classic car values have fallen over the past 3 years in the UK and it’s expected stop, however higher value cars will reduce in price and that will be a great investment strategy. 2020 we've got the US election Trump is running again. Things will probably move around significantly if he ends up going. He probably has created higher growth. People in the USA say, the amount of regulation on business and tax on business has reduced significantly and this is stoking growth. BEST MOMENTS “2020 may see a bit of growth in central enterprises.” “Whilst fewer landlords are looking to purchase, there are also plenty looking to dispose of their property portfolios as well because they can't necessarily go into a limited company or they see that licensing or regulation changes.” “If the government makes it more difficult to buy buy-to-let properties and put landlords off and tell them they're going to tax them more and the papers keep smashing them, fewer landlords to buy and more will look to dispose off their rental properties, therefore, there are fewer properties available, the same or more amount of tenants chasing them and thus prices to go up.” “Deflationary pressure comes about through lack of investment, lack of economic growth, and therefore, the government or the Bank of England is more likely, because they can't reduce interest rates anymore, they got nowhere to go, the only thing they can do is start printing money or creating bonds and then re-buying them increasing the money supply, which is called quantitative easing, or QE.” “In times of higher uncertainty, or where people are predicting a recession, people will throw money at US government bonds because they see it as the safest place to put the money.” “A lot of people would agree that a really good predictor of a recession is an inverted yield curve.” VALUABLE RESOURCES https://www.facebook.com/markprogressive ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Tune in to hear two of the UK’s property experts discuss all things property. In today’s episode, your host, Mark Home interviews Experienced Investor, Best-Selling Author & Founder of Property Investing Network & CrowdProperty.com, Simon Zutshi. Mark and Simon discuss what they’ve been up to in the property world, the strategies they’re currently using, where to invest and how they both raise finance in very different and unique ways. Hear both Simon and Mark’s journey into property, how they started out and how they’re planning for the future. Listen and learn the insider secrets to successful UK property investing and take away with you the knowledge and advice of two of the most successful UK property millionaires.   KEY TAKEAWAYSQ&A With Simon Zutshi   How does cram property work? I think it's still quite interesting. Peer to peer lending and crowdfunding is still relatively new. I think most people in the UK might have heard of it, but haven't done it. And the UK is actually the pioneer of it. So about 6 years ago, I was at a business event. I always invest in myself. I always try to learn more. Getting around like-minded people. I was at an event which was kind of a future, a future trend something. And I was talking about peer-to-peer lending and crowdfunding. And I thought I didn't really know what it was. I'll explain that you people bring projects, said it might for a business or to raise money for a record or a new product, whatever it is. And the crowd come and fund it. And at that time, I was doing quite the size deals you are doing Mark but I was converting care homes up north into like 20 25 flats and things. And I was generally using my money and other people's money, which is one thing we teach people how to do. I believed that traditional banks who traditionally would fund developments. In the last couple of years, they are not seeking into… And they really wanna make you jump through the hoops… And I thought, there's gonna be an easier way. So, I was mainly funding things through private money. And I realized, I would like to build my 1 lending 50 grand to do my projects. A lot of people in my database didn't have that kind of money but would love to get a better return on their investment. So, I thought, could I solve two problems at the same time? Could I help developers who are struggling to get the debt part of their deals and then also help a normal consumer get much better on their money and all those activities regulated by the FCA? So we put together a peer-to-peer lending platform. And obviously, we've got lots of people who have done our training. And you are draining who are finding great deals. And then we help funds those deals, very very quickly. And actually, we are... no matter how we're funding. We have them two funding from the crowd. We also got a couple of institutions who put in money in as well. And it's a way of cutting out the bank, cutting out the middle man. So, this is effectively development finance... short term. It is kind of similar to bridging but much quicker and I think it's fast reliable finance. So, it is much quicker than bridging, why is that? Because what we do is... so people will come to us and they will say, "Well, I've got this great project." And in five minutes, they can fill in a form. Literally, 12 boxes. And within you say 24 hours, we can say, "Yes, we can find it or not." So very quickly to say and… We don't lend on a bad deal. It's gonna be a good deal. But the initial is just very quick. And then depending on if how organized the borrower is, we always get a Rics valuation before and after. And that's often the slowest thing. We can put someone on the platform. We promote out to all of our lenders. Typically things are funding in minutes. We're talking several hundred thousand pound. I think that 3-400 thousand is the average. We do anything from a hundred up to a couple of million. And so which is really fast. What does it cost to borrow money from you? So, it ranges from about 2-4% depending on the size of the loan. Ah no, that's the arrangement fee. And then the fees vary. You've obviously bought stuff. Isn't it mainly Birmingham? I was buying everywhere which is probably wasn't the best thing. I've got some things in my portfolio for the last couple of years. I've been selling it off. Always look where you live. Always start there. Maybe half an hour or so out from that, which is much easier. But then again, if you have a good network and reliable people, you can absolutely invest your money. We've got some people who trained with us, who invest from overseas. Yeah, because they set up a good power team. How he got into HMO. The first house, I bought in 95. And I rented it out. It was just right next to Birmingham University where I went to study. And I got a job at Capri's. And I rented the two rooms out to a friend's party because they didn't have flats in the area. They want to live in the area and as a student, I was quite socializing with other people. And I realized that the rent that they paid me covered the costs: my mortgage, my bills. So I saved all my salary. And had a part-time business when a student, I cover rents in Birmingham. That was a really good fun cash business. And so I had this money in my business bank account. And in 98, I bought my second property. And it was like 10 minutes closer to Capri's. My friends came live there, and my first house, I rented out. So I became a student/HMO landlord in 98. It was accidental, yeah. I thought I wanted to get into property but I didn't know it's going to be HMO. Return equity. So as the value goes up over time. If you sold that property. Assuming it's a rental, you have to pay some capital gains tax. How much money would you get out? And compare that to the cash flow you are getting now. Section 24, you just touched on it. And what are you doing about it? Section 24 is actually a very clever piece of legislation. I completely disagree with it. But it's very clever the way that they've done it because if you are a high-rate taxpayer, which most property investors are, you're gonna get covered basically. I don't know about you but I've spoken to a number of property specialists. And I find they all disagree on what should be done. So, I say to people, go and speak to a number of people, listen to what they say, and whoever you resonate with the most, that's probably the person to go with. So, I've chosen a particular root. I think it looks pretty good. Purchase list options. One of my favourite strategies is to purchase lease options. We can use those to take on a portfolio. Have a schedule of when we buy them over a number of years. The landlord can go sit on the beach and retire. And actually, they can maximize their capital gains allowance each year. And that particular strategy works incredibly well in this market. What are the strategies and stuff that you're doing now? You know I love HMOs though. And I think HMOs sometimes get a bit a bad press because I think in many cities, there is an oversupply of HMOs. But actually, they're very average standard HMOs and if you make yours slightly better, then the competitors, you should have no problem renting them out. And I think HMO is a recession-proof strategy because if time gets hard and people have to tighten their bills, they can't afford to live on their own, and a student as their part, they have to pay their bills as well. Actually, HMO is a form of cost-effective. So, I think in the right location, always a property, a good HMO should always rent out. Co-living, so what is your view on it? I have never done any unit bigger than 8. I've done a series of flats within a building. I'm probably not the best person to speak about it because I don't have an 18 or 20 bed one. I've got 40 rooms in a building but that’s all split into 6s. What is your view on service combinations? Service accommodation is obviously a very area sort of property specific and so I think if you wanna have a very profitable business but it really is more towards the business rather than sort of hands-free investment. We have quite a few trainers and loads of our delegate who do that. And I don't have the time to do that. We have a letting agency that manages all of our units. We have some service units, Rob and I, in the local area. And I reckon quite fear that our delegates do better than we do in terms of their milking profits. Probably because of the areas and because they are involved on the ground doing it every day. And they get paid to do it. It's not passive. But a great model, and certainly great for those people who, you know, maybe they’re in a job. They wanna leave their job. They wanna replace an income. They don't mind giving their time cause it's still only... a day a week. They're gonna be replacing their income from their job. Why the book is called “Property Magic.” So I call my book Property Magic because the analogy is that property if you don't know how it works. It could seem more mysterious and you don't know but when you know the secret, just like a magic trick, it is actually very straight forward. It's not easy, but it's straight forward. Just like Property Magic. That's the book. That's what it's all about. That's where it came from. In terms of the future now, where do you think we're headed? Where do you think we're going year 3 5 years now? So, I think generally the market has done very very well for the last 10 years since 2009. And I think that when you have a broom, you gotta have a little correction. I possibly don't think we're gonna see the same kind of crash as we have in 2008 and 2009... The banks are much smarter now, really controlling the lending. So different circumstances. But I think, seeing a dip probably is gonna happen as more and more landlords want to sell their property. Uncertainty, amateurs not knowing if they should go in or not because of all these things going on. Uncertain about if a different political party comes in. It might be “game change” for everyone.   BEST MOMENTS “Tell you what, all the stuff we bought miles away has not been as good as buying here in Peterborough. All the streets, we know. All the areas, we know. When there is an issue or there is a licensing or whatever, I know how to fix it because I learn all the stuff, all the locals and the regulations and all the... and then talked to the local agents, talked to the locals and everything. And I find a way through it though and when you're miles away. Well, if you're in 10 different areas… Investing close to where you live probably in your own country, where you understand the language, you understand the law, you understand the finances and tax. It's got to be the best thing." “When you're investing with money, you got to be so careful with your money. And boring is sometimes the best thing to do, isn't it?” “For me, that's what property is all about. You buy something, work once, get paid forever. ” “I think, every year, you should look at your portfolio. And when you buy something, my favourite measure is the return on investment. So how much do you put in? compared to how much is it generating for you. It's gonna be the best measure.” “I think a stretch of at least, selling at least one property a year, and getting your capital gains allowance. Your personal allowance. And then reinvesting that money in a better cash flow property.” “I really believe that if the paper is telling you one thing, maybe the opposite is true.” “Specialized knowledge means you can earn more money. That's what I do too.”   VALUABLE RESOURCEShttps://www.crowdproperty.com/https://propertyinvestorsnetwork.co.uk/ ABOUT THE HOSTMark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUESTSimon Zutshi, experienced investor, successful entrepreneur, best-selling author, is widely recognised as the top Property investing Speaker in the UK. He became financially independent by the age of 32 having started to invest in 1995. Passionate about sharing his experience, Simon founded the property investor's network (www.pinmeeting.co.uk) in 2003 which has grown to become the largest property networking organisation in the UK, designed specifically to provide a supportive environment for people like you to network with and learn from other successful investors. Since 2003 Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way to create additional streams of passive income, give them more time to do the things they want to do and build their long-term wealth. CONTACT METHOD Facebook: https://www.facebook.com/OfficialSimonZutshi/ LinkedIn: https://www.linkedin.com/in/simonzutshi/‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Tune in to hear the behind the scenes TV Q&A with Progressive Property Co-founder, Rob Moore. Listen in and learn all about Mark & Rob’s property journey from their first investment to growing one of the largest property investment companies and education businesses in the UK. If you’re looking to discover more about the traits of the greats and the characteristics of these two Property, business and entrepreneurial experts, this episode is for you.    What was the first property you purchase?  Mark: The first property I bought was a flat in a ski resort in Bulgaria off-plan and I lost 60-70% of the purchase price. After this, I bought a property in Hampton and flipped it when the price was right making roughly 15K but I could have made more had I not purchased a new build. Often the worst looking properties yield the highest returns.  Rob: 26 Eyeroad, and I still own it today. My Dad helped me out with the deposit and when I become financially free I gave it back to them and they still live there today, mortgage-free.    What is your work ethic?  Rob: I have a fear-based work ethic and believe you have to ‘make hay while the sun shines’ because there are always bad times around the corner and you can be blind-sided easily. I want to take advantage and grow while we can and set ourselves up into a position where we can thrive even if we’re not earning  Mark:  My work ethic comes in waves depending on what’s going on. There are times where it can be intensive for long periods of time and my job isn’t the same every day as I’m generally solving problems and issues day by day as they come along. I’ve tried to build most of what I do with an automatic degree of leverage.    What milestone are you most proud of?  Rob: Winning business of the year 2016, breaking the public speaking world records and raising the hundreds of thousands of pounds for charity and each time Mark and I have reached 50, 100, 150 properties or certain levels of income and bringing our letting agency inhouse are nice milestones also. I couldn’t pick one as I believe we still have lots to come.  Mark: For me getting the Guinness world records and publishing our first books with international publisher Hatchet, we’ve also had the Independent, Financial Times and the Guardian write news articles on us. Additionally developing the new bigger building is a great milestone, right now it’s the old Marks & Spencers building where we’re building 99 apartments. Also some of the training programmes we’ve run in the Carribean, the super conference and having guests such as Lord Sugar, Bob Geldof, Grant Cardone etc.     Describe your property portfolio?  Mark: Our portfolio is broken up into different constituents and it depends where you are in the timeline to evaluate it. Our investing timeline is fairly linear so if you look at the terraced houses it’s often the ones we’ve purchased in the beginning and from there multi-lets, HMO’s and houses and subsequently into commercial conversion buildings and the scale has grown over time.   Rob: Our portfolio has been a journey and generally we’ve reacted to the market and jump on opportunities for example with permitted development etc. We’ve always tried to buy property locally and never selling a property as long as it works and we have kept 95% of our portfolio.     What do you do on an average day?  Rob: I get up at about 5 and get all of my important stuff done by 8, I’ll then go to the gym and when I can I’ll come into the office with meetings in the morning. We often travel to do the podcast and I’m also trying to add more fun things in my life. My average day is routined but I like to keep a variety.  Mark: I get up at 7 and crack on at home and often come into the office later but stay until around 6. I’m also away at onsite developments.     What’s the biggest risk you’ve taken in property?  Mark: Property wise it’s probably the commercial development of 99 apartments we’re doing at the moment. GDV is north of 20 million. Usually, when I’m borrowing money it’s first-charge only. There’s times when I’ve been worried about cashflow and liquidity but we like to stockpile cash.  Rob: We haven’t taken too many risks and I’d be embarrassed and ashamed if we went bust and I’m not prepared to do it so we take fewer risks and think long-term.      What are your business plans for next year?  Rob: We’re probably not going to buy a load more property projects but there will always be one block or so a year and in terms of the education business we’ve just merged everything under ‘Progressive’ and I want to grow it more in the coming year and take it to the global stage.     What’s your view on the right-to-buy scheme?  Mark: Right to buy is something that Thatcher brought in and it’s been a good thing with loads of tenants having the opportunity to purchase their property from the council. It’s been great for quite a few people but those that have less financial knowledge have ended up re-mortgaging and their property has been repossessed. Maybe a right-to-buy scheme with enforced financial education would be even better.    What’s your lifestyle like?  Mark: It’s different and varied depending on the time of year but I’ve got a few weekends back which is pretty cool and with 3 or 4 holidays a year it’s great. It’s all about spending time with my son and my wife. I also go to a lot of events and try to do things I’ve not done before.   Rob: I really enjoy writing, creating content, writing books and connecting online. Golf with my son is also huge we’ve competed at multiple tournaments around the world but work and what I love are pretty much the same.     BEST MOMENTS  “It’s very important to have multiple streams of income”  “In the North, you’ll find lots of properties where the capital value is lower but the rent is no lower so the yield is actually higher.”  “The property I purchased in Bulgaria was an expensive entry fee into property”  “You do this for the money but realise you need to have fun too”    ABOUT THE HOST  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive   ABOUT THE GUEST  Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur”   CONTACT METHOD  Rob’s official website: https://robmoore.com/  Facebook: https://www.facebook.com/robmooreprogressive/?  LinkedIn: https://uk.linkedin.com/in/robmoore1979       ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Car hire and leasing can expensive and getting out of a contract early can be difficult especially if you don’t know what type of contract you’re entering into. In today’s episode, Mark dives into the details of car leasing, contract hire and PCP contracts and explains the most cost-effective way of controlling, owning or renting your vehicle.  KEY TAKEAWAYS  Contract (leasing) hire - the term contract is interchangeable with leasing and is a fixed agreement, usually 24,36 or 48 months and you are expected to fulfil the contract. Essential the monthly payment has been calculated over many months. Therefore if you’re looking to end the agreement early you will usually have to pay 50% of the remaining rentals if you’re looking to give the car back early. The disadvantage of contract hire is that they are not particularly flexible. If you’re concerned about ending your contract hire seek advice from the supplying dealer or credit broker to offer a shorter agreement.   PCP (Personal Contract) Hire - At the end of the contract you either pay the remaining value of ‘balloon’ payment, you sell the vehicle or you return it. Should you wish to end the agreement early the common agreement is to pay 50% of the remaining rentals or return the vehicle to the finance company. With PCP you are able to enter into a process called voluntary termination giving you the option to return the vehicle to the company when you’ve paid 50% of the amount payable or more. This can be referred to as the rules of halves and thirds.   Many car lease agreements have a buy-out option and will usually credit a percentage of the lease payment towards that purchase and is commonly least expensive way of getting out of a car lease. In order for it to make sense the resale value of the car needs to be equal or more than the buy-out value of the car. However, if you’re looking to get out of your lease so that you can purchase a new car be careful re-entering into another agreement especially with the same dealership as they will roll over outstanding payments on your old agreement into a new finance agreement.     BEST MOMENTS  “With a contract hire You will usually have to pay 50% of the remaining rentals. From my experience, they will try to make you pay all of them.”  “Car dealers love nothing more than for old customers to come back in and purchase a new car as they will make money on the old sale and the new one”  “Get everything down on a spreadsheet to work out the total cost to get in and out of these leases”  “Focus on the P&L and APR before purchasing a car”  “Dealers love talking about monthly payments”  VALUABLE RESOURCES  Centralleasing.com Appliedleasing.com  Leasing.com  Freedomleasing.com  ABOUT THE HOST  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive   ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Go behind the scenes and join two experienced property investors discuss the property market, their current deals and developments, planning permission and proven property strategies working right now in today’s market. Listen in and hear Marks in-depth discussion with Chattered Surveyor, Serial Property Investor & Master Class Trainer, Peter Jones.    KEY TAKEAWAYS  Mark: How have you been growing your portfolio?  Peter: Traditionally I’ve been investing in the North East but more recently I’ve purchased a plot of land which we were planning to build 5 terraced housing but due to some issues with planning that have taken over 2 ½ years to go through we have finally been settled on 3 bungalows with actually will generate us the same amount of profit and are cheaper to build so currently we’re now applying to remove the conditions and should have the foundations in before Christmas. The goal now is to have 2 or 3 projects running at the same time because of how long planning can take to go through.     Mark: What investments have you been doing?  Peter: As you know I owned one flat in a block of fourteen and it was a disaster, all fourteen were rented out and none of the owners could agree and it the whole block started to deteriorate so I was planning to sell. But in the end, I managed to get acquire four more flats and convince the other owners to secure the plot with a fence and make the area a lot nicer. Additionally to this, I have also been investing with my son-in-law in properties around Nottingham, mainly single-lets following the BRRR model.       BEST MOMENTS“The whole planning system is a game and you just need to know more ways round” “More recently it’s taken me over 18 months to get planning consent”  “The goal now is to have 2 or 3 projects running at the same time because of how long planning can take to go through” “Capital values have been rising in certain areas and the Midlands and the North are still playing catch-up to London price rises” “The property market is like a rollercoaster and property prices follow a ripple effect”    VALUABLE RESOURCES  ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive   ABOUT THE GUEST Peter Jones is a Chartered Surveyor, an author and a serial buy to let property investor. He has been involved in property for over 30 years having graduated from the College of Estate Management, Reading University, and then qualifying as an Associate Member of the Royal Institution of Chartered Surveyors in 1983, before being elected a Fellow in 1992.  By the age of 35, he was a Salaried Partner in a well-respected firm of Chartered Surveyors and was managing partner of their West End of London Office. His speciality was commercial property but during the recession of the 1990s his specialisation became redundant, and so did he  CONTACT METHOD  http://www.thepropertyteacher.co.uk/  ThePropertyTeacher@gmail.com     ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Do you want to fly first class around the world and stay in 5-star hotels for next to nothing? In an insightful interview with fellow frequent flyer Mark interviews professional Avios point collector, savvy travellor and property developer Ian Walmsley. Mark and Ian share with you the tips and tricks to collecting travel points, the best cards to use and how to collect a number of rewards simply by knowing which cards and services to use. Take a trip into Mark and Ian’s wallets and hear first hand which cards they use to travel first class around the world.  KEY TAKEAWAYS    Where are you redeeming the most points?  For earning for points I will use the American Express Platinum card. The annual rate is £575 per year but you will earn that back during the year. This card earns you 1 membership point per pound spent which can be exchanged for flights on BA, Virgin Miles and a range of hotels, you also get travel insurance around the globe and premium car hire insurance. For every pound that you spend on the American Express card transfers to 1.5 Hilton points and additionally and for every 5 nights that you stay gives you get one night free.    Where do you pick up the tips and tricks?  I pick up a lot of information from blogs and sites and quite often read non-English blogs to pick up some great deals. It’s also worth setting up Google alerts to notify you when certain sites post offers and deals.    British Airways Platinum Plus Card  Only generates British Airways points at  1.5 Avios points per pound spent. The biggest benefit of this card is that when you spend £10,000 per year you get a companion voucher each year which allows you to get 2-4-1 on travel fair. If you and your partner both have these cards and spend regularly you can get two companion vouchers meaning you will get 4 return flights for the price of 2 in business or first class. For long-term spending, this is the best card you can get.     The Curve Card  Where credit cards are not accepted you can use the Curve card and re-charge those payments to a visa or MasterCard. You will also pay zero foreign exchange fees while abroad. You can use this to re-charge to the Virgin visa card and as systems recognise the curve card as a debit you can pay for government services with the HMRC with your card. A lot of people are paying taxes and earning points through the Curve card.      BEST MOMENTS  “I’ve been collecting originally air miles before they were Avios for over 15 years.”  “I like to save money”  “Since air miles became Avios and it came online, I’ve been able to save a lot more and now I frequently use them to fly around the world”  “I got around a million Avios points at the moment”  “I got a trip to the Maldives in the Waldorf that hotel should of cost me 20K and I got it for 2K”  “The Hilton is probably the best hotel scheme for mid-range members. It’s the only scheme that includes breakfast and more benefits.”  “The majority of people don’t actually know how easy it is fly first-class and get these trips for next to nothing. Essential we’re just playing the game.”  “HSBC and Virgin cards are good for visa spending.”  “The Virgin credit card is the best credit for collecting points”  “When your window opens up you’ll quickly be able to see what you’ll be able to book.”  VALUABLE RESOURCES  https://jacksflightclub.com/  https://www.headforpoints.com/  https://rewardflightfinder.com/  https://awardwallet.com/    ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive   ABOUT THE GUEST Ian Walmsley is a professional Avios point collector and savvy frequent flyer along with Ian’s travel geek and planning geek hats he is a professional property developer and owner of South East property company Leading Homes.        ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Join an in-depth property discussion with your host Mark Homer and founder of property management software Go Tenant!, multiple business owner and self-made millionaire, Rick Gannon. Hear expert property advice for both beginners and pros and get insights on the best property strategies, the future of the UK property market post-BREXIT and discover what you can do to become a successful property investor as Mark and Rick answer questions from the community. KEY TAKEAWAYS Question: Are we going into a recession? Answer: If we leave the EU on the 31st October we will see a correction in the UK property market, this can vary from 10-30%. The bank of England believes we will see a 30% reduction in prices in the first 12 months with another correction at the end of 2020. However other articles predict 15-20% reductions. Nevertheless, it depends where you’re located in the UK, in the North property prices are still achieving 100% of asking, however, year on year properties in London are seeing a decrease in prices of about 0.8%. Question: What can you do if your strategy isn’t working and you’re not securing any deals? Answer: You’re probably not doing enough viewings and not offering on every property. You need to offer on 10 properties a week and fill your pipeline up. It’s a numbers game and simply by the numbers, you will get some deals. Learn from the objections you’re getting and work on your pitch. Question: Should you manage your property portfolio yourself or outsource it to an agent? Answer: It depends on your lifestyle and how much time you’ve got. It’s a good use of time to outsource your properties however, it does depend on the property strategy. With HMO’s it can be more difficult and it may be better to manage it yourself. Rick has a useful app called Go Tenant! To help with these challenges. Question: How can I minimise risk when investing in the current market? Answer: There are lots of types of risk such as yield, capital, tenant risk, financial risk, and contractor risk, ultimately it’s important to fill up your pipeline and manage your financial risk with fixed rates and to ensure you’re not exposed. You can also reduce your risk a lot by referencing tenants effectively. We do all of the due-diligence of tenants before the viewing using Go Tenant! Remember an empty room is better than a problem tenant. Question: Do you have any tips on negotiating a property price? Answer: Try and give them what they want. Try to give them everything they want other than the price, be flexible with completion dates, accessibility and build a relationship with the seller directly. Make yourself better than everyone else bidding on a property. Question: Are property investments in the North overtaking London? Answer: It depends on what context, the yield is guaranteed to be higher in the north although the capital gains and property value are less certain. It’s very hard to predict, however historically London has always been ahead in terms of capital gains. There is a lot of uncertainty right now and the sterling is very, very low but once the uncertainty lifts after BREXIT all the money waiting on the sidelines will just pour into London both locally and internationally once we’re in a more stable market and the pound recovers. Advice From Mark Clause 24 and difficulties with clause 21 are making property investment more challenging. The Holiday let market along with serviced accommodation units sidestep a lot of recent rules and regulations affecting more established property investment strategies. Although It’s always a good idea to diversify your portfolio to adapt to changes to the current economic climate.   BEST MOMENTS “The last cycle started in Mayfair in 2010 and then price rises spread throughout the country as people moved” “It’s always a good time to buy at certain price levels, it depends on potential capital gains and potential yield” “The next month might actually propose an opportunity to buy at lower prices” “The bank of England has made an assumption on XY&Z and either way it’s only one outcome” “There’s always going to be something that stops people from investing, there’s never going to be a right time.” “You’ve got to adapt to survive” “Don’t focus on the things that you can’t control” “We’ve moved the majority out into limited companies” “The direction of property moving forward politically. Is it better to progress with a commercial strategy that drives cashflow?”   VALUABLE RESOURCES https://gotenant.co.uk https://www.rickgannon.com ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST Rick Gannon is a serial entrepreneur, multi-business owner and self-made millionaire. Rick's main focus is helping others achieve their financial goals through investing in high cash flowing property. Rick is the Founder of "Go Tenant!" Property management software and tenant recruitment software. Rick is the best selling Author of Number 1 best seller property book "House Arrest" and columnist for 2 national UK property magazines. Rick has featured on Sky Television and is seen as the industry expert for multi-let / HMO property in the UK.    ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Today, Mark interviews Aitch Group’s head property developer, influential in the development of over 2500 homes and expert in private housing, Henry Smith. Mark and Henry discuss in detail why property investment is the perfect opportunity for entrepreneurs and share with you the tools you need to be successful in today’s turbulent market.  KEY TAKEAWAYS  Property investment. This is the best investment you can ever get into because the business plan is already there and the buildings are already there, all you need to do is just spot the right one for you that you can refurbish and maybe rent it out or sell it out and make a lot of money, either office apartments or homes.  Why do you hold the properties? You can decide to hold your property because the world is always changing and a lot of people are looking for homes, office space and many more, and then you can wait for the right time to sell your property, and this is when the market price is very high so that you can make huge amounts of money.  What do you need to succeed in property investment? There is a need for the best management there could be because poor management of these properties, poor refinancing, poor attitude, all these can result to you as a business making poor decisions and very huge losses.  Training and seminars. And this is not only for property investment, but it runs through all businesses. If you want to succeed in your business, you need to be trained on what your business should entail, and you should look for people who have done your business and succeeded in it.  Another way to succeed in property investments such as buildings is all about working with the right developers. Having the right team with you and people that you are able to work with throughout, what they can build and how quickly you can build it.  Investing in property is very advantageous because you get to travel the world, meet a lot of people and make lots of money.  Hold property wherever financially you can, it's a great asset, both commercial and residential in the right location. If you've got a commercial unit lockup, perhaps, in the middle of nowhere, that is very hard to let, then don’t do that.  Good management is the root of a successful business. If you have the best management in your business, then you're going to be successful in your business because good management prevents misuse of resources and other things in the business.  BEST MOMENTS  “Don’t think of now, think of 10 years' time, think of the future because once you build that building, you can't wake up tomorrow morning and decide to demolish it again and start building it again.”  “You lose a lot of money when people don't put any skin in the game.”  “If you don't sell, you don’t earn.”  “Plan for the worst and hope for the best.”  "Borrow as much as you can is the worst advice you could ever receive. Borrow money when there is a need for money."  “You need to learn from your mistakes but don’t repeat the mistake twice.”  VALUABLE RESOURCES  https://www.standard.co.uk/business/secrets-of-my-success-henry-smith-boss-of-london-housebuilder-aitch-group-a3731706.html  ABOUT THE GUEST  Henry Smith is the boss of property developer Aitch Group, a private house building firm founded in 1995 which has built more than 2500 homes. Being able to provide homes and employment opportunities in the area that he grew up in is a real win for him.  ABOUT THE HOST  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive   ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Are you an entrepreneur out there who wants to know and invest in liquid assets like wine and see huge returns on your investment? In today’s episode of Mark My Words, Mark and innovative entrepreneur and investor Daniel Gurr discuss in detail the opportunities in wine investment, how to store your wine to avoid damage, the benefits of investing in wine over other investments and why now is as good a time as any to begin to invest liquid assets. KEY TAKEAWAYS Financial markets and how the traditional remit of investments have changed over the past decade. That's due to financial market volatility and of course, the environments of record-low interest rates we find ourselves in, so traditional investors are starting to look outside the mainstream box and adopt strategies within alternative asset classes. Fine wine has characteristics which enable the markets to have a very low correlation to other financial markets. With, of course, the trajectory of the market over the past 10 years, we've got consistency, of course, with the market being demanded by the higher echelons, which is increasing year by year is a good time to invest into the asset class itself. You might come into the market and ask how is the price going to keep on going up in value? The fine wine market has two very unique characteristics. It has an ever-increasing demand because of course, it's a consumable asset, but it's also an asset that increases its quality over some time. So straight away what we've got here is a market that's got finite supply, ever-increasing demand because the wine is maturing, but it's also got an ever-decreasing supply. The best thing about fine wine is that it works off a compound interest formula. It's interest upon interest upon interest. So in your first year from that asset, you might see eight to 10% but come that second year, the circulation is decreasing. All of the client’s wine is stored and insured and as long as it's stored in HMRC regulated facility, the wine will stay in that bonded warehouse for remaining of its life. So, therefore, duty and capital gains tax are not applicable. If you had two investors that wanted to come up to you and invest into property, one was a complete novice and never invested into a property before, you're probably not going to introduce them to an HMO or commercial conversion, whereas if you've got someone that has been in property, they've got a background in property, you would introduce them to something different, and that's the same for wine. They can sort of diversify and get into the slightly riskier stuff and make higher returns once their knowledge grows. Red wine is at the core of investment, what about white wine investment? That is more so into a specialist market. What we advise clients is we look at the red wine because of course, with regards to that it all comes back to history and with ourselves, if we're putting our name to what we're suggesting you as you can appreciate, we have to know the full corporate background of that particular wine and it's not to say white wines don't go up in value but of course, they don't have the history and they don't have the corporate background to what red wine has. Where and how do you store wine? There are a few storage facilities in the UK. They’re HMRC regulated facility. They're holding it 13 degrees here, away from sunlight, away from the vibration. If you're going to store wine yourself, it has to be stored at the right temperature. As long as you keep red wine at a consistent temperature, because if you've got the uncertainty affecting that wine, that there will be an effect there. There are different subsidiaries, you've got Octavian, you've got LTB and you've got AHD just to name a few, but I'd be phoning them and asking them how this business is? How long have you been working with that particular company? Would you say they're credible? And get their opinion. Also ask the question, "Do you have a wine that you're trading to me? Is this currently in your account?" Or are they taking your funds and then going out to source the stock. Why is wine better or not better than other physical assets? The direct answer to that is fine wine has characteristics that other collectables and other alternative investments don't have and that would be fine wine matures as time goes on. So it has an ever-increasing demand, but because it's a consumable asset, there will be a time where the availability of that wine is going to run out. BEST MOMENTS “Bullshit baffles brain.” “The quality of the wine improves over time as it gets older unlike a watch or a car.” “As people drink it, there is less of it, therefore; the supply side and the demand side should become more favourable over time pushing the price up.” “I believe fine wine is a great way to insulate your wealth when there is economic uncertainty and even more so than gold.” “Fine wine is inverse to cyclical trends and cyclical trends being traditional re-investments.” VALUABLE RESOURCES Book called Investing Into Liquid Assets ABOUT THE GUEST Daniel Gurr is an entrepreneur helping people reach their financial objectives by creating innovative and exciting strategies. Daniel is one of the portfolio advisers and has been with Elite Fine Wine for 3 years after transferring from a wine merchant in Australia over to the UK. Daniel has been instrumental in the accelerated growth of Elite over the past 2 years and played a key role in the development of some of our more junior team members. CONTACT METHOD LinkedIn: https://www.linkedin.com/in/daniel-gurr-665b6014a/?originalSubdomain=uk  THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this joint episode of the Mark My Words Podcast with The Property Vault, learn how Mark could start and grow his own property business, Progressive Property. From his bedroom alone buying single-lets to a company who has now more than tens of thousands of members, Mark’s journey is something to hear about.  Just like other businesses, Mark and his partner Rob Moore face challenges. Unforeseen encounters are likely to happen no matter what preparations you put in place. Learning, re-evaluating, and tweaking the system when necessary can make the tasks and processes run as smoothly as possible. Progressive Property grew before our own eyes and is now one of the established property investment companies in the UK. Learn more today how they did it so you can do it also, even on your own, when you listen in.   KEY TAKEAWAYS  How important are systems and processes in a property business? It’s difficult to find the best model that will work for your business. So, at the beginning, it’s advisable not to overthink about this—just go with it and you’ll see what the perfect system is for your business as you go along.  Should you own your investment property personally or via a limited company? Mark says to be careful of the high taxes that will be incurred. Consider how small or how big your portfolio is before deciding what’s suited for you. It’s best to ask your accountant or financial adviser.  It’s the planning consultant you approach first, not your architect. You can get more units, prevent inflated prices, and have more interested vendors when the design, which can become inflexible or inefficient for some, is already placed.  Tips on finding the right builder:  Go around the site, look for buildings of the same standards you want, then ask who the builder is.   Take lots of pictures that you can show the project manager.  What are the core things you need to consider when you build systems in a property business?  Establish good relationships (partnerships, teamwork, customer service, etc.)  Be flexible.  Testing in different environments.   Who inspires your business in a daily basis? Warren Buffet and Charlie Munger  BEST MOMENTS    "You need to find the right person for the job.”  “Test them for 3-6 months working with them reasonably to see how your personalities fit.”  “There is a risk in responsibility.”  VALUABLE RESOURCES  Progressive Property  HMRC - https://www.gov.uk/government/organisations/hm-revenue-customs  ABOUT THE HOST  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  Contact Method  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

What’s the best car model to invest in right now?  Having classic cars (or vintage cars) isn’t a big liability at all, as most think. If your investments are already in placed and you’re looking for a new game plan, then look into classic cars.   In this episode of Mark My Words Podcast, Mark chats with Daniel Gannon, the Co-director of Car-Iconics Ltd. Daniel has been passionate and very knowledgeable about cars ever since. Discover everything you need to know today so you can make money and enjoy your passion about cars at the same time.  Mark and Daniel dive deep on the technical stuff--aside from giving financial advice—from learning about what to inspect when looking for cars worth investing to learning about the car market, there’s a lot to learn on this episode.  KEY TAKEAWAYS  The classic car market, since early 2000s, have slowly fell down. Cars right now have become electronic- or technology- heavy.   Putting it in in a bank is also a risk. So, if you’re in a good position with your investment portfolio, it’s okay to put those extra cash on a new car. At least, a classic car’s value grows through time and it’s something you can enjoy at the same time.  How do you make sure you’re buying a high-value car? Do visual and mechanical inspection. And, brands are all the same so it shouldn’t be your first basis.  According to him, the best car is a Mercedes-Benz AMG SL 65 MG V12 (R230). He bought his own of the same model with just £7,000, and it was worth it.  They’re looking on putting more left-handed driven cars because there is a larger demand for them.  BEST MOMENTS    "Definitely, for the last 10 years, you can say that money has never been cheaper.”  “Look at cars that are off the radar.”  “You got to love what you buy.”  “It’s important that you buy a car that’s been restored by the right company.”  VALUABLE RESOURCES  Progressive Property  How Many Left? - https://www.howmanyleft.co.uk   ABOUT THE GUEST  Daniel Gannon is the co-director of Car-Iconics Ltd. Daniel’s and his father Stephen’s passion about cars inspired them to start their own brand and in which, they’ve been sharing their knowledge and experience on driving, collecting, racing, and restoration of cars. Aside from these, their business also gives the best advice so you can choose the best car out there which you can not only enjoy driving and owning, but also enjoy its investment potential.  ABOUT THE HOST  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  Contact Method  Email: Markhomer@progressiveproperty.co.uk   LinkedIn: https://www.linkedin.com/in/markhomer1   Facebook: https://www.facebook.com/markprogressive   Twitter: https://twitter.com/markprogressive  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

If you’re planning to do a big property development in your area, then this episode of the Mark My Words Podcast is for you. Today, Mark talks to David Kemp, who has over 15 years of experience in planning. Planning is a long process but David will make sure to touch all the topics that are involved—from submitting your application to financing to talking to authorities and the neighbourhood to starting the property development. Learn more about permitted development rights, the key risk management areas, and dealing with the objections that come from people in the area. It’s important that everyone is well-informed and no one will be so everything will go as smoothly as possible. David also shares some planning challenges he has faced and how he dealt with it so make sure to listen in. In planning, you have to push the boundaries if you have to. KEY TAKEAWAYS Permitted development rights allow you to convert buildings without a planning commission. There’s a process you have to go through first before you enjoy the automatic grant. You have to get the approval of the council after they’ve consulted your immediate neighbours. The neighbours need to be informed about the depth of your extension. Traditional retail is struggling lately in the country. It’s become difficult to find a space since there is a shortage or the rates are high. In regards to the right of light, you have to consult a property lawyer for legal advice. Make sure you’re not breaking any laws, so you don’t have to face legal ramifications. We don’t know what will happen with Brexit and the Bank of England is giving forecasts with what might happen to the UK economy. People now realize opportunities in property investment. Always think about the risk. Observe before selling. Test if you have to so you don’t lose a big amount of money. Also, note the key risk management areas. For example, in terms of traffics and parking, hire a team member who’s a good parking highway consultant and can work well with your planning consultant. Other things you should take note: flooding, trees, heritage areas, community engagement, viability and marketing. 5 Tips On Meeting Residents and Neighbours Figure out who the key influencer is in the area and win them over. Explain what the scheme is about. Make them understand. Keep your cool. Practise the art of positive communication. Encourage them to sign feedback forms. Highlight the benefits for the area. Speak first to your borough or district members. BEST MOMENTS "It’s politically often a lot easier to change the offices at the moment than to change to residential.” “There’s not much free office space left. The rents are going up.” “Always ask questions.” “As developers, we’re not going for the planning process as the academic exercise.” “So much of the planning is a grey area, and it’s all about where we see if we can push the boundaries.” VALUABLE RESOURCES Progressive Property Mark My Homer Podcast: Mark Interviews David Kemp Development Consultant | Omny | Apple | Stitcher  ABOUT THE GUEST David Kemp has over 15 years of experience as a planning consultant for both the public and private sectors. He has also worked as a chartered surveyor, Town and Country Planning consultant and as a planning and environmental lawyer. Throughout the years, his expertise has helped developers, occupiers, and local authorities on the legal and procedural aspects of planning. David Kemp is currently the Director of DRK Planning Ltd. david@drkplanning.co.uk LinkedIn - https://uk.linkedin.com/in/dkemp ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode, recorded at the Property Super Conference keynote speaker Mark Homer discusses the current picture for the economy and the possibilities for the future as we move through the economic cycle. He provides an insight into the research and data he analyses to ensure the continuing adaptation of his business to meet the challenges of our changing economic landscape. He discusses his current strategies and why it’s all about doing deals that work in any cycle and protecting the downside whatever the economic backdrop. KEY TAKEAWAYS Where we are now The lesson about predictions and guessing when the next recession will be and where we are in the cycle is that there are many unexpected variables in play at any point during the length of the cycle. It's about doing deals that work in any cycle, protecting the downside, going for a rental model, going for a long term strategy based on income. Based on the cycle over the last 10 years, we are on the upward trajectory - rates are low and confidence is starting to rebuild. Most businesses are not investing, mechanising or spending money on infrastructure because we have experienced a series of uncertainties. Lots of them still have the income and are making sales but because they don’t want to make long term investments they are hiring more staff. If there is a downturn they can make redundancies whereas it's more difficult to get back funds from long term technological investments. The productivity puzzle The yield curve switched recently, often an indicator that a recession is around the corner The output per worker is not increasing and the cycle is changing indicating the underlying story of what will happen in the future. There are more investment opportunities, new housing and developments are not selling at the same rate as previously. My solution strategy  is to develop, keep it and rent it out A PRS development managed in-house provides a good yield and the capital growth comes over time. If you are selling, work with smaller units in areas with good rental demand and make sure yields would be good for implementation of a secondary plan – letting them out. The next recession We are in the second part of the cycle, in the first half there was growth. The last cycle was 18 years long. Incomes have been increasing and businesses haven’t been investing resulting in money ready to be invested when Brexit is resolved and there is more certainty. Currently, there are opportunities and finance available, if you can adapt the ways you are investing you can move forward successfully.   BEST MOMENTS ‘The bank of England give you very specific information and households are still spending ‘ ‘If you can get the site cheap enough, almost anything works, it's all dependent on what you pay and what the market is afterwards’ ‘There has been a big shift which has dramatically altered the backdrop’   VALUABLE RESOURCES Progressive Property   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Markhomer@progressiveproperty.co.uk  https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark answers questions from his mentees. Discover how you can utilise limited liability partnerships (LLPs) for your business, how you can SSAS for residential property purchases, how you can transfer properties to ltd companies, and how you can claim incorporation reliefs instead of paying capital gain. He gives detailed answers and great advice on their problems. You might have some questions about property that Mark has answered already so make sure to check out this episode. KEY TAKEAWAYS Advice for company structure arising from business plan reviews. A business plan has 70% rent to SA, 20% e-commerce, 10% acquisitions. Mark suggests including 1 LLP to offset against taxes. An LLP comprises two or more people (i.e. sole traders) and it limits the liability. The debts of the LLP can not be your debt personally. Can a single property be transferred to another company? Some put it in an LLP for 2-3 years the move it to an ltd company, but you got to pay the fees. If you’re dealing with multiple properties, you can directly transfer to an ltd company and claim incorporation relief. Can SSAS be used to purchase residential properties? If you want to use the money for residential purchases, it can lend the money to an ltd company as a loan but it needs to be charged over the building. Section 162 Incorporation relief – You can claim incorporation relief and not pay capital gain when you’ve proven that validity of your business. BEST MOMENTS                                                                                                                                                                                 "I think having 1 LLP in your suite of entities is definitely good idea.” “If you've got a lot of properties, you can go straight to an ltd company and claim incorporation relief.” VALUABLE RESOURCES Progressive Property ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

How to Protect Yourself When Going Into a New JV Deal Are you looking into working with a JV partner on a deal? Have you wondered what you need to do to make sure you are doing the right due diligence to protect yourself? In this episode of Mark My Words, your host Mark Homer, brings you everything you need to know as you go into a JV deal. Whether it’s making sure you drip feed money into the deal or checking your JV partners credit history Mark lets you know each step of the process. If you are looking to loan money or make a deal with a JV partner this episode has all the information you need to get the deal that’s right for you.    KEY TAKEAWAYS Get your JV partner to download their credit file. Get them to provide a credit file for you to have a look at before you go into the deal. If someone has a really bad credit history then you might want to question why you are going into business with them. Just ask them to redact any personal information if they are concerned with this.    The land registry can be useful to see who owns buildings. You can apply for a previous version of the register to see who owned the property in the past. If the building is owned by a limited company you can check on the companies house website. You can check the amount of debt or charges on a property at any given time, as well as who owns the company. Make sure to check for any liquidated companies and who is owed money. This might be a reason to ask more questions or not work with them on this deal.   It’s important to drip feed the money into the deal not send it all at once. If you are doing a development, send the money when the works are complete. Have a look on site before you pay and transfer any money, to make sure it’s all complete to the right level. If the transfers were done personally rather than through a limited company then they won’t show on companies house so ask for the documentation separately.   Ask for three investor details that they have done deals with before. Have a look at their last three deals and ask them if they are happy for you to contact them. Check these individuals in companies house and on the land registry. Ask them how the deals went.   View the properties. Even if the property has been sold you can look through the windows. Start small with the person and then move onto bigger things. Some people say that they want to see as much information as they would show to a bank so in this case, they want to see some of these documents: SA302 which will show their income, a full property list of all the properties they own.    For the highest degree of security when you’re lending money only lend on a first charge basis, and up to 70% loan to value. You must find your own solicitor, and own RIC surveyor. They must have good local knowledge of those kinds of properties. If you are going to provide a loan then you want a solicitor to create and execute this for you. Make sure you have a partnership or shareholder agreement that is written by your own solicitor.    Do the numbers add up? Speak to a builder about the costs? Are all the costs in the development appraisal? Check with the bank so you can refinance it to the value that it says. Make sure you understand the deal behind the joint venture.    Do a search on Amazon with regard to people delivering training? Do a search on Google and on LinkedIn? How much coverage/reach they have? Is their website information-rich? Can you contact these people? Can you find a long history of content? What do other people say about them? What support do they offer?    Best Moments  ‘Ask them for their credit history.’  ‘I like to see a track record.’  ‘As the person to supply documentation.’  ‘Ask your accountant to help with this background work.’  ‘Control the money.’  ‘Ask for three investors details.’  ‘Go with your gut.’  ‘You need father time to show what this person is like.’  ‘Investors can misuse the information compared with a bank so be careful what you share.’  ‘Insist on a personal guarantee.’  ‘Ask for copies for historical planning permission.’  ‘If you don’t feel confident just walk away.’  ‘If you are looking at someone training then do your due diligence.’  ‘If the same things are coming from different people it’s more likely to be true.’  ‘Making sure you are going to get out of it what you need.’  ‘Be clear on your objectives.’  ‘Training is an investment.’  ‘Only listen to people who have real experience.’  ‘Be careful from free advice.’    Valuable Resourceswww.creditexperts.co.ukwww.eservices.landregistry.gov.uk www.companieshouse.gov.ukwww.mygov.scot/basic-disclosure/applyhttps://www.ricsfirms.com ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.     CONTACT METHOD  Markhomer@progressiveproperty.co.uk https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive                   ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

‘Property’s great because you can leverage it, borrow it, create income streams  and it’s solid’ In this intimate open question and answer session, Mark shares his expertise and experience with a small group of property entrepreneurs. The questions are wide-ranging and the answers detailed and comprehensive. This podcast provides invaluable information and advice for anyone who is a property entrepreneur wherever they are on their journey.   KEY TAKEAWAYS What is your vision for property moving forward? We are going into other countries and now looking to grow in Ireland. If we can take what we have here and move it into other countries we will be using a tried and tested business model. How do you see interest rates panning out in the future economy? The US is ahead of us in this raising cycle and Brexit is almost entirely responsible for the faster growth rate in the US. Brexit is a domestic issue, as part of the global community countries now go into recession at the same time. If we were not involved with Brexit we would be growing at the same rate as other countries. How should I future proof my portfolio? The best defence against higher interest rates is to have a really good cash flowing portfolio, you can get fixed rates over a number of years, balancing the times when rates are higher. If interest rates are higher, the outlook for inflation is higher and the economy is probably moving forward strongly this, in turn, means the capital value of your properties is likely to be rising. The best way to deal with all things is to have plenty of cash around you. How leveraged is your portfolio? Currently its around 6 out of 10. My attitude is to buy it convert it develop it, refurb it and try and get back as much money as I can. I don’t go beyond my purchase and refurbishment or development costs, I aim to get my money back and then hold the investment and let the loan to value drift down over time. Do you have money in banks that are unrelated? I think that’s a good idea, Keep your savings account away from the where you hold your current account and any bank you have a mortgage with. Fraud is now the biggest concern the banks are under siege and its vital to always have it at the forefront of your mind when you are contacted, who-ever you think it may be as the scams are very sophisticated. What are your views on modular housing? The fact that you can control all elements, as happens in the manufacture of cars means the outcome is predictable and running a building site can be very challenging. The time on site is less and you get a much more precise predictable product so I think it will become big in the next few years. What is the process when you see an abandoned property that you are interested in purchasing? You can purchase and download the title deed from the land registry this will provide the name and address for the owner or you can knock on the neighbour's door as they may know. Every council has an ‘empty homes officer’ who has a list of all empty houses and the owners. If owners do nothing and the property falls into disrepair the council will carry out repairs and make charges to the owner. After a period of time, the council is able to put the property to auction.   BEST MOMENTS ‘You are better dealing with people who live in this country, they are not going anywhere they have to live in these houses so the market is there’ ‘As commercial is converted to residential the supply is less and therefore demand is increased’ ‘When you’ve built them and are letting them out you have to set the rent high just to pay for everything and it doesn’t really work’   VALUABLE RESOURCES Intelligent Investor book by Benjamin Graham Progressive Property   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Markhomer@progressiveproperty.co.uk  https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

ROB MOORE TAKEOVER!   In this episode, Rob explains how emotions can have a negative effect on your wealth and how to overcome this. He also discusses his new book “I’m worth more” as well as giving away some exciting bonuses for the first buyers of his book! Listen now for further details!     KEY TAKEAWAYS  NOW LIVE ON AUDIBLE – I’m worth more - realise your value, unleash your potential. All audible book purchases come with a free chunk of one of my new books “Increase Your Fees With Ease”.  THE FIRST 200 PURCHASES of “I’m Worth More” will get access to the brand new Mind-set and Money event held at Progressive Property in Peterborough.  THE FIRST 257 PURCHASES of “I’m Worth More” will gain access to an accountability WhatsApp group with me.  Email your proof of purchase to supporters@robmoore.com  Control your emotions to enhance your wealth.     BEST MOMENTS  “Skillset without mind-set will leave you upset.”  “Manage your emotions around money”  “No one’s going to believe in you if you don’t believe in yourself”  “Emotion erodes wealth”   “Don’t spend money emotionally.”    VALUABLE RESOURCES  https://robmoore.com/  ABOUT THE HOST  Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor and property educator. Author of global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur”   “If you don't risk anything, you risk everything”   CONTACT METHOD  Rob’s official website: https://robmoore.com/  Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs  LinkedIn: https://uk.linkedin.com/in/robmoore1979   ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

If you haven’t heard Mark talk about his favourite car, the top 3 things he’ll bring if he ever got stranded in an island, or his least favourite trait of his business partner, Rob Moore, then you’re in for a treat! Today on the Mark My Words Podcast, Mark answers questions from his listeners and the community. It won’t just be about property or his businesses or the current political issues, he’ll be talking about his personal life also. This should be a nice peek at how Mark, a successful entrepreneur, lives and enjoys his life, so start tuning in! KEY TAKEAWAYS Q: How do you manage a work-life balance? It’s all about scheduling, according to Mark. When he has a meeting, he makes sure he adds 30 minutes before and after for travel time. During weekends, he’s mostly at home so there should be no work that butts in. Q: What’s your advice about landlords no longer being able to evict tenants on short notice without good reason and plans? The abolishment of Section 21 is still under consultation. Everything still holds for now. Let’s wait for what’s going to be the decision. Q: How did you get your systems in place? Mark started with Excel spreadsheets, tried other systems, and then had his business’ system custom-built to their needs. Q: Ferrari or Lamborghini? It depends on what model. Mark explains more about their features in this episode. Q: What can I do to become your protégé? Mark: “Bring me land for a great price that I can put 250 flats on… bring that deal to me, then we can do it together and learn together. Q: What’s your favourite cheese? Halloumi, grilled on the barbecue on a Sunday afternoon. Q: What investments can you make outside property? Tracker funds in the UK and other similar types of investments. Q: Would you and Progressive Property launch a software? Mark says it’s not in his interest. He thinks he’ll make more money in what he knows more. Q: How do you go overcome procrastination and fear before a big deal? It all comes with the experience since you got your first deal. Test and measure the numbers ever since the beginning so you won’t procrastinate. Q: If you get stuck on an island and you only get to choose 3 things to bring, what will they be? A satellite telephone, knife, desalination tablets Q: What’s the effect of the attack on landlords by the government? Mark: “I feel victimised. I feel discriminated against. I feel like a minority.” Q: Are you meeting with other investors to come up with a voice to challenge them? Mark has a petition running on the parliamentary website to remove the 3% surcharge and remove Section 24. Q: What’s your most and least favourite trait of Rob? Most favourite: Rob’s brilliant ability to engage with people Least favourite: He’d do anything just to engage with people Q: What is the most important trait that a property investor should have? Being tenacious, not giving up, keeping on going Q: If there was a movie made about you, whom actor would you choose to play you? Tom Cruise BEST MOMENTS "I like to focus on a few things and do them well rather than try new stuff and not do very well.” “Fear disappears with knowledge; risk reduces with knowledge.” “Rents are rising at an abnormal rate." VALUABLE RESOURCES Annual Meetings | Warren Buffett and Charlie Munger Progressive Property Reintroduce full mortgage interest relief and drop the 3% stamp duty surcharge Petition ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Would you like to network with 12,000 like-minded property investors? Learn from some of the most experienced, and successful property entrepreneurs in the world? Then the 10x Superconference is for you. Kevin Mcdonnell, the host of Progressive Property Podcast, interviews Mark Homer. Listen in as Mark talks about being one of the speakers at this year's conference, which is all but sold out. Mark also talks about his journey into property, what are the best strategies at the moment and what he’s going to be talking about in his presentation at the conference.   KEY TAKEAWAYS Most of my time is spent doing property deals, running our property business. I’ve bought, sold and refurbished over 800 properties. At the moment I'm doing a lot of commercial conversions into residency. I help oversee our letting agency and the numbers for the business.     Why property? It’s all about the returns. When you’re talking about property things start and finish with return on capital invested. There are lots of leverage you can get on one single let, compared with other investment types. I’m doing more and more, larger buildings where you can get a return of 25-30% back on a property. Not many other investments would give the same returns as property.     I started with small terrace houses. I was buying, refurbishing, and building up my portfolio. I graduated into bigger buildings, and HMO’s. It’s been a fifteen-year journey for me where I’ve ended up doing more and more commercial conversions from pubs and empty buildings.     What's your preferred strategy? This is very much based on things that are of their time. I’ve recently gradually started doing more and more commercial conversions around putting a retailer on the ground floor and converting the higher floors into flats for example. Often the projects I do are opportunity-led and of its time.     Whose has been your inspiration? In terms of residential and property, I would say Andreas Panayiotou. I think he ended up owning thousands of properties in London over the years. In terms of investors, I do think Warren Buffet is great. I love his long-term attitude to investing and he compounds his returns.     Why do you think you should attend the Superconference? I’ve moved on in my journey because I’ve learnt from other people. I’ve learnt how to do the tax, contractors and others. At this conference, there will be 12,000 other property investors in the room and the speakers. Grant Cardone portfolio is nearly a billion dollars. We are all doing different things.    What are you going to be talking about at the Superconference? Lots of things are changing in our economy at the moment and I'm going to be talking about how we can take advantage of the uncertainty. I’m going to go through a couple of case studies which I’m working on at the moment.     Is there 'one' really exciting thing about the Super-conference? In terms of finding the right commercial buildings, finding the right partners and finance. I think people will hopefully get a lot of interesting different things. There will be a lot of different mindset of things there with Grant Cardone. I’ll be speaking and learning about different strategies.     Top three benefits of attending the Super-conference? Property starts and finishes with income, and cash flow, replacing that income. Networking with other people and are like-minded. How inspiration is it to have all these speakers who are coming,     What has property done to 10x your life? 10x is different to me than for others. For me, it’s around commitment but growing in stages and making mistakes at the right level. As soon as you know everything and you have the right data it's vital to scale up. If you know it works you need to make sure that you scale it up to make it work.     BEST MOMENTS ‘Most of my time is spent doing property deals.’  ‘The returns are really good.’  ‘The stock market is harder to get right.’  ‘I like turning older properties that haven’t got use into residential properties.’  ‘Often the best time is now to get into property.’  ‘Don’t extend yourself at the minute as we are in the second half of the cycle.’  ‘Warren Buffet has been a big inspiration for me. He reads for hours everyday.’  ‘The experience and knowledge is deep in lots of different niches.’  ‘There are lots of different options even if you don’t have any money.’  ‘I met lifelong friends at the last conference.’  ‘Always invest locally.’  ‘Try and avoid scattergun approach.’  ‘Try and find the best letting agent.’  ‘If you go to a new town you have to learn everything all over again.’  ‘You can make millions of pounds in one deal.’  ‘If you don’t know the detail, and start from the bottom you can lose out.’  ‘Everyone is always learning.’  ‘The inspiration you will get from all these people.’  ‘You have to work hard and work smart.’  ‘Get into your niche and be the best at whatever that is.’  ‘I’ve moved on in my property journey by learning from others.’    VALUABLE RESOURCES www.10xsuperconference.com     ABOUT YOUR HOST Mark Homer  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.    CONTACT METHOD Markhomer@progressiveproperty.co.uk https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive  ABOUT THE GUEST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.     Contact Method  Facebook: https://www.facebook.com/kevinMcDonnellProperty/  Official Website: https://kevinmcdonnell.co.uk/  No Money Down: Property Investing by Kevin McDonnell   ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

This episode is a must watch for anyone dealing in properties. In today's episode of Mark My Words, Mark discusses the essential things you need to do if you want to be a success in property. Why having the right knowledge, skills and mentors around you are key components to successful property investing. If you’re looking to become a full-time property investor, this episode is for you. KEY TAKEAWAYS For you to succeed in life, you always need to know the kind of people you surround yourself with. You should always surround yourself with people who have good intentions and always help you to succeed in life. No one can make it on his or her own. Always talk to people, they may have something that you could use and you may even succeed in life with someone’s idea. No man is an island in this world. Trial and error is the key to success because you do things and test them over time to see which one works well than the other and which one does not work at all. So if you find out that a thing you tried to do did not even work, that's the thing that you remove from your plan or don't do ever again. Then if you do something and you find out that that's the one that is working well over another thing, then that is the thing that you should always strive to perfect and be sure if you do this, you will become successful in life. Keep building the portfolio if you want to be successful in life and always try to build it in the best way possible for it to attract more customers to your business. Get into business, start sort of sourcing properties, create a business around it, if you can create a training business or some sort of trading business to generate an income stream, whether you sort of present, or maybe you're creating information products, or whether you're doing sort of online, whether it's training or marketing, loads of people create marketing businesses around this, and some people just go into sort of pure property, but they need a very high-income strategy, maybe be doing sort of high end HMO or service accommodation. You've got to get the income rolling. You can't be focusing on a capital strategy. Location is very important. In the city centre, that will be a lot, lot better. I've done stuff on the outskirts, service accommodation; it did not work so well. Smaller units, city centre. For your business to hit the roof, you need to be very keen around this point of location, where you locate your business. The marketing is very important how they're priced if the cleanings added on separately, all that is really, really important. If you are not good at this, you should always look for someone or hire someone in your company with marketing skills to do this business for you because marketing is very crucial. Always love what you do. Find something that you love doing in your life and do it with a lot of passion and you will find that you are succeeding in life because you are not doing something that you do not love, you always perfect what you love because you are not being told what to do. Knowledge is the other key to success. Always have the passion to learn and know more about what you are doing in life or in your business. Have mentors. Always have people who will advise on what you are planning to do before you go into it. This helps you from making hasty decisions on things that you want to do in life and this also protects you from huge losses. BEST MOMENTS “Two hands are better than one.” “You should always learn from your mistakes.” “Education is the key to success.” “Old is gold.” “Licensing is key, have the right papers with you for you to make it.” VALUABLE RESOURCES Markhomer@progressiveproperty.co.uk%C2%A0 ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Markhomer@progressiveproperty.co.uk%C2%A0 https://www.linkedin.com/in/markhomer1%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps:/www.facebook.com/markprogressive%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps:/twitter.com/markprogressive%C2%A0 ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

How do you create a successful business and solve the housing crisis at the same time? Well, Alfie Best has one of the most innovative answers out there at the minute. The owner of Wildcrest, which is the biggest Mobile Park operator in the UK, soon to be the world. In this interview, Mark asks Alfie, how he started out in the industry, what the mechanics of the industry are and why Alfie believes they are the answer to the housing crisis in affordable houses currently? Listen to one of the most successful business people in the UK and what his advice is on creating a successful business in 2019.   Key Takeaways Why did you get into the Mobile Park Industry? I was born and bred in a caravan as a Romani. Who better to run Mobile Parks than someone who has lived and breathed this world throughout my life. It was a natural progression for us from commercial conversions. I really believe in them, and I’m passionate about my business, I don’t really see it as work.    How does the mechanics of the business work? It’s not complicated the customer actually purchases the mobile home often for 50% of what the same property would be if it was classed as a house. They get a 1983 mobile home act document drafted from the government which is an infinite lease on the property. It has no end date. It’s a simple but powerful document. You are in effect purchasing a bungalow at residential standards which are pre-fabricated. It’s like a timbre home from the states or modular homes which you see popping in different places. They have to be built on a chassis and have wheels, but they never get moved.   How does it benefit you to have a mobile home? Once it doesn’t have wheels and a chassis it becomes a house. If we have planning permission for a mobile home park then we can’t build houses. It’s classified as a caravan but it is never towed or moved anywhere else, it’s essentially static.   We all need to find our niche. I don’t regard this as a niche, we than 13,000 residents as a country and we have 5 parks in North Carolina. We are looking to expand our business in the US. Councils are still of the opinion to say no, it's not seen as a positive to support our kind of business. Sensible government is a friend often but councillors can be really difficult to work with and can go against what the government have set down.   How do you cope with working across different continents and countries? Have you found it challenging? When you start a business anywhere in the world, you have to pay an ‘idiot’ tax which is about learning to run your business. I always say that you should start small so your ‘idiot’ tax is a much smaller cost. When we first went to America we only bought one home. A business has to be like water, it has to flow and change but be strong enough to keep going forward.   Why is it that mobile home parks are the answer to affordable housing? It’s very simple. The government are trying to build their way out through social housing. As there is no cap on it and they have to compete on the open market it’s never going to solve the problem. We don’t offer houses for key workers like ambulance staff for example. Properties should only be able to be sold to key workers in key sectors. Whereas park homes only ever stay as affordable housing, always at 50% less than a house even when the price goes up it's always comparatively cheaper. That’s because there is a stigma to it.   Most of our customers are downsizing. A lot of our customers are buying a mobile home and then buying a second home in Spain or the US. Houses don’t have to be a ball and chain around their neck, it allows people freedom in older age. We are trying to lobby the government to explain this. There are some great councils and are some terrible councils.   We are bringing people who are semi-retired or retired people to an area. So we are actually bringing other families as well. We are helping social housing as well as contributing to communities. I hate the word social housing but I think of it as affordable housing.   What have been your biggest setbacks in business? The biggest set back was not questioning myself too much when I nearly went bust. Broke means that you are in negative equity, and verging on either going bankrupt which is where I found myself. I had a house with too big a mortgage invested in it. My biggest mistake was I didn’t see the recession coming because I wasn’t experienced enough. I thought I was better than I was.   How have you changed this ready for the next recession? We have stopped looking at profit and concentrated on cash flow. My board loves talking about profit, but I focus on cash flow. The cash flow could be in the red but your profits look great. It’s a balancing act. Making sure your business is sweating, and your wastage at minimum is essential. That could be down to the water bottles in the corner of your building.   How do you innovate? What do you do to get better incrementally? We regularly buy business which has gone into administration. Firstly, we set up a rudimentary cash flow system to see where the business is, see how much in the red they are. See what there is that is needed and what is extra. You have to be harsh, and be commercially viable when turning around a business. Then as you get bigger we constantly review what we are doing.   Best Moments ‘I don’t see my business as work, it’s a passion.’ ‘The 1983 mobile home document is simple but powerful.’ 'They are referred to as park-home bungalows.’ ‘This is the real solution to an affordable housing crisis.’ “It’s harder to get planning to build mobile homes than building a house in the states.’ ‘It’s always an affordable model for housing.’ ‘I usually find I make the most money in those quirks.’ ‘This country are selling ourselves short.’ ‘I love to see people trying to make a success.’ ‘It takes a special person to start a business.’ ‘Be brave when everyone else is going away.’ ‘Residents at mobile parks can be like winning the lottery.’ ‘We want to invest where we are welcomed and where we are making a difference.’ ‘The biggest set back was not questioning myself too much when I nearly went bust.’ ‘Every pound is a prisoner.’ ‘If a business is not commercially viable you will hurt a lot of people.'   ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Markhomer@progressiveproperty.co.uk%C2%A0 https://www.linkedin.com/in/markhomer1%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps://www.facebook.com/markprogressive%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps://twitter.com/markprogressive%C2%A0   About The Guest Alfie Best a highly motivated business magnate, investor, speaker and philanthropist who serves as the chairman of Wyldecrest Parks. To achieve success is not easy and to maintain that success is even harder but Alfie Best has shown how it can be done, even when you have not been born with the proverbial silver spoon in the mouth. Born of humble origins and raised in a Romany Gypsy family, this self-made man studied at “University of Life” and started his professional success story totally from scratch. However, coming from a struggling background and a minority group only gave him even more desire to succeed. As a gypsy, he had to face many obstacles and prejudices but he has never allowed those to ruin his dreams and ambitions or to disrupt his investments into the businesses he operates. Instead, he has taken those negative prejudices and turned them into positives by surrounding himself with a diverse and multicultural team. Alfie Best manages his businesses as a real leader, knows his employees by name and likes to meet all residents of his mobile home parks.   Contact Method Website - http://alfiebest.co/story/ Twitter - @alfiebest33 Email - ea@wyldecrestparks.com‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

The 2019 10x Property Super Conference is going to be a very different Progressive event. Myself, Grant Cardone and a host of UK property investing experts will be sharing with you the new cutting edge property strategies, the quickest cashflow strategies and how to generate multiple streams of income. You will be shown strategies where you need no mortgage, no deposit and no money to be successful. If you're thinking about going to a property event of any kind, get yourself to the 10x Property Super Conference, it's going to be the biggest and the best property event, it's going to be bigger and better than any event that progressive or probably any other property event the country has held before. Come and learn from the experts who are not just talking the talk but, walking the walk. If you’re interested in securing a ticket go here: www.bit.ly/mark10x  to join the VIP Notification List. 10X Property Super Conference 7th-8th June 2019 KEY TAKEAWAYS Property super conference: We've got a Super Conference coming back to the United Kingdom, it’s the 10X Property Super Conference and it’s 10x bigger and 10x better, and we've got a rather special gentlemen flying over from America in his private jet, Grant Cardone. Grant Cardone has got nearly a billion dollars, yes a billion dollars worth of property himself, which he is sourced and analyzed to death. The guy knows rather a lot about property investment. At the event, you’re going to learn how to supercharge things, how to move on to the next level very, very quickly, and probably miss out stages two, three, and four. You’re going to learn the quickest cash flow strategy, how to buy without a mortgage and how to reduce or get rid of your deposits. The best thing is that you don't necessarily need to own property to be successful. You’ll discover the most creative ways to own flip, rent out and control property without spending your own cash. There's going to be really, really well-experienced people with a track record, who've been successfully investing for a number of years, often decades and they’ll be teaching you how to do this stuff live!. These aren't dreamy property trainers, these are people who walk the walk and talk the talk. Learn also how to find fund flip and fill and discover the newest ways to source deals, how to rent them out, how to leverage them, how to do the right refurbs, get the cost of the refurbs down and sell the thing quickly to create that nice sort of trading profit. Also learn how to build your empire, how to build the biggest portfolio through leverage and finally, how to retire after one deal.At the 10X Property Super Conference you’ll learn: The Quickest Cashflow Strategy: No mortgage, deposit or owning property required for £3k to £10k per month from just one deal at a time Low Money Down, No Money Left in & Other People’s Money: The most creative ways to own, flip, rent out and control property without spending your own cash Retire After One Deal: Scaling from single lets to big projects that kick out cashflow & cash lumps 10x bigger than small deals Finding, Funding, Flipping & Filling: The newest ways to source, rent out & leverage properties for fast & lasting cashflow, capital growth & empire building 'Real Deal’ Investors, Financiers & Speakers: Learn from the best, walking the walk, doing the deals & making the big money, all in one event BEST MOMENTS “Doing things differently doesn't mean to say it's right or wrong, it's a different approach.” “Always strive to get knowledge from people who walk the walk and talk the talk if you want to be the best.” VALUABLE RESOURCES 10x.psc.com bit.ly/mark10x ABOUT THE HOST Mark Homer  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Markhomer@progressiveproperty.co.uk%C2%A0 https://www.linkedin.com/in/markhomer1%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps://www.facebook.com/markprogressive%C2%A0 https://omny.fm/shows/mark-my-words/%EF%BF%BChttps://twitter.com/markprogressive%C2%A0 ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

What drives you to keep going in property? One of the fascinating questions that serial entrepreneur, investor and philanthropist Jay Dhillon poses to Mark for The Business Mentor Podcast. They talk about Mark's childhood in Singapore, how he got into property and the rights and wrongs of politics and property in 2019. Listen here for a conversation on learning from two experts in property, and business.     KEY TAKEAWAYS What are you doing at the moment? I’ve got three projects on the go at the moment. Our biggest project is just under 100 flats. I’ve got another project, with a commercial tenant on the ground floor with some residencies above. I’m doing lots of different things, with various different projects.    How was your childhood? I was born in Singapore and came back to England when I was around 12. I went to an international school in Jakarta in Indonesia. Jakarta is a crazy city, pollution, and people everywhere. I learnt the local dialect and played outside with the other kids in the area. I’ve found that to be a really useful experience in dealing with very different types of people.     Private schools give you a bigger network and a bigger outcome. The difference between the mindset of the private school, and the local college in the area is massive. The people I met at college are all doing more vocational things like dentists, doctors, and solicitors. Whereas the private school went more into business, and are earning lots of money. There is no right and wrong, but if you have the opportunity to invest in your children you can.     The academics are really useful. If my child wants to go to university, I’ll encourage them to but at the expense of life skills, I think that’s wrong. I think if you can have academic skills, and have business skills, rather than just what a textbook says then that’s even better.     In 1997/98 it was like the gold rush, and the market was ripe. My father had worked across the globe and met a lot of business people. He knew that business and property was a good route to go down. My friend had made over £70,000 on property and even without planning permission added an extension. I got really into property books, videos, learning loads. I met a local letting agent who'd figured out which properties were good to buy in Peterborough, which is where I started really.    I’d bought lots of properties abroad especially in Eastern Europe and Florida. So I thought that when they would enter into the EU there would be an increase in the middle class and the property values would go up. What I didn’t realise was that I didn’t know the local knowledge. It’s really exciting to have international property, but the yields are really low, and the maintenance will be very high. Everything that you’ve learnt in the UK is wrong abroad, and you have to learn it all again. There is lots of corruption in various different places around the world, and it’s really difficult to work out the local rules if you’re not from there.    Treat your property as a business, so systemise it. The one guarantee in business is that it will change. If your systemising your business, doing monthly management accounts, and getting your viewings and inspections sorted then you are going to find it easier to adapt to the change. You’ll find it easier to grow your business because you are able to find out what is working and what isn’t.     Do you think the middle class now are being hammered, so you need to grow all the time? You need to grow otherwise you are in decline. If you carry on doing what you’re doing and not grow, then you will fail. We’ve had various changes in the legislation, and it will all happen again. Make sure you get a really good accountant, who’ll be able to save loads of money for your tax bill.    Let’s talk about Jeremy Corbyn if he did get into power what would happen? People were concerned about the Labour party before but Tony Blair turned out to be quite a light touch. He says he will introduce rent control, but hasn’t given out any specifics on that. Dependant on how that is introduced could be positive or negative. He says he is going to nationalise, water, and rail. With big companies, he says he will give 10% of the shareholders to the staff, but I don’t know how that is going to work in practice because they are so divested. I don’t think he will be a sustainable model. The debacle that is the EU is costing the country millions in decisions not taken, and uncertainty.    Which property/business strategies will work in 2019, and why? In business and property it’s best to find what you love and what you’re good at. If you’re good at marketing then build a business that needs that skill. Build a team around you who are good at the things that you are not good at. It’s better to do what you love rather than what’s hot in the media at the minute.     What drives you? What keeps you going? I like driving income, and rent roll, I like having a bigger and bigger wall of money to hit the back account every month. I find that very exciting, more than the value of the properties. I get a lot of pleasure in learning from others in the training business we have. We are able to have choices, travel and buy the right house that I want.     Where would you start in property now? I would buy single lets, under £140,000, probably stuff that has been built in the 1970’s. West Midlands, and in the North are probably best rather than in the South. Cut your teeth, and make some mistakes before moving to HMO’s. You don’t have to move up, just do what you enjoy.     What mentors have helped you? There have been loads of different people over the years. I have a lot of friendships who’ve done lots of different things, often in their 50’s and 60’s who have been there and done it all. I had more informal type mentors.     Best Moments  ‘My background was really good for helping me deal with lots of different people.’  ‘There were other people at boarding school whose family owned big businesses.’  ‘Through those years I learn loads and loads about business.’  ‘I think the network is worth everything.’  ‘Private school kids all wanted to go into business.’  ‘We are a reflection on what we have been taught.’  ‘Network is your net-worth.’  ‘You can’t learn everything in a textbook.’  ‘Take the calculated risk.’  ‘I got really really excited with property.’  ‘Everything that you’ve learnt in the UK is wrong abroad, and you have to learn it all again.’  ‘It’s really exciting to have international property, but the yields are really low, and the maintenance will be very high’  ‘Investing in the UK works.’  ‘You do end up making more money in markets that are more efficient.’  ‘There is one guarantee in business is that it will change.’  ‘Systemisation is key.’  ‘You have to be growing otherwise your declining.’  ‘The value of getting a good accountant is priceless.’  ‘Accountants are not a consultant unless you pay them to.’  ‘Do your own research, and take your questions to the accountant.’  ‘I think Corbyn is going to go on a spending spree.’  ‘I think it will be an unsustainable model.’  ‘Politicians have been telling so many lies.’  ‘Theresa May is like the school teacher keeping it all together.’  ‘If you are making products, uncertainty on the price of your produce., is unacceptable.’  ‘Uncertainty is affecting business everyday because of Brexit.’  ‘I like driving income, and rent roll’    Valuable Resources  E-Myth   Life's Leverage     ABOUT THE HOST  Mark Homer  Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.    Jay Dhillon  Jay Dhillon is a serial entrepreneur, investor and philanthropist based in the UK with a proven track record of growing businesses from start-up to success- and helping others do the same. From humble beginnings, Jay grew his first business from 0-500 employees and three locations, racking up sales of over £30 million – all without any investment other than a small amount of savings. The business went on to acquire major clients such as Landrover, Jaguar, Toyota and New Look, to name a few.  Its huge success inevitably brought about outside interest and at the age 33 Jay eventually sold the company to a London investment firm in Doyen Resources. Today, Jay owns several businesses in different sectors and helps entrepreneurs achieve success.  A calling to give back and help others led to Jay being chosen for the highly-coveted role as a Prince’s Trust mentor, where his achievements were marked by a personal invitation to Buckingham Palace to meet Prince Charles.  After helping several young entrepreneurs to success as a mentor for the Trust, Jay’s burning desire to bring his wisdom and knowledge to a wider audience ultimately triggered the concept of The Business Mentor Podcast.  Jay feels that anyone can achieve success in business with the right advice and mentoring and is now sharing his knowledge with his growing audience via his podcast.  In the UK alone 95% of business fail within the first five years and Jay’s aim is to reduce that number.  Backed with the hard-earned knowledge and experience from his time in business, The Business Mentor Podcast will share Jay’s personal business lessons as well those of other successful entrepreneur guests who share their wisdom and secrets on the show.    CONTACT METHOD - Mark Homer  Markhomer@progressiveproperty.co.uk  https://www.linkedin.com/in/markhomer1  https://www.facebook.com/markprogressive  https://twitter.com/markprogressive    Contact Method - Jay Dhillon  Podcast: https://itunes.apple.com/us/podcast/business-mentor-podcast/id1370793386   Website: https://www.jay-dhillon.com   TwitteR: https://twitter.com/jaydhillonuk    ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

This is your chance to ask Mark anything, you’d like about property. Sourced from the progressive property facebook group Mark answers 24 of the most burning questions from how Brexit will affect property investors, to how to pick a good business partner and what’s his favourite doughnut. Hear the advice from one of the countries leading property analysts, on how to get your property business moving and growing.   Key Takeaways If you were starting out in property today where would you start? I probably wouldn’t start in a much different place than I did. I would buy terrace houses, single let to get going, and then move into HMO’s and then commercial buildings after that. Finally, I would do commercial buildings which can give you better cash flow. I think there is a lot of power in not selling your property but buying and holding them because over the long-term cash-flow and yields will be greater.   What’s your prediction for interest rates over the next 2 years? I think they are going to stay relatively static. It depends on Europe, Brexit, and the US. Clearly, the world is slowing down, and the market is not going to be getting any better over the next two years. I think it’s more likely to be a slow down rather than a recession. In the UK there are lots of uncertainties and there are lots of investors who are not investing. I think the likelihood is that Brexit will be extended. We will see a wall of money going back into the system after they have been waiting for the outcome of Brexit. It’s important to focus on the things that you control rather than interest rates and GDP. There will be a lot of commercial buildings available when the downturn comes, at a cheap price.   How did you know that Rob Moore was going to be a good business partner? What makes a good business partner? I worked with Rob for six months before we went into business together. Rarely business partners work if they are friends. You should focus on adding value to each other, Rob and I were opposites. Rob is great at all the things that I’m not good at. Sales and marketing are not my bags, whereas Rob excels at those. Enter into some lose business arrangements first, and when we started our business we only put a few hundred pounds in. We got to learn what we were good at, and what we need to learn.   Would you prefer 10* BTL £2500 profit or 1 SA unit £2500 profit? I think if it was a binary choice I would go with the 10* BTL’s because if they were worth over a million in equity together. That’s something that you won’t have in the SA flat. It’s a balance, SA can be quite a defensive strategy, and you should be fine to battle recessions.   I want to learn the basics of business finance, where should I start? I’m very much for learning on the job. We run multiple streams of income training and the various books that we have at Progressive Property. I would do the first deals as soon as possible. You need to talk about a lot of banks and get a lot of mortgages. Learn from people actually doing the job, and learn on the job.   What is the best structure for a JV buy and hold? Getting to know someone over a period of time, so you get to know their circumstances. You are going to enter into a financial relationship, and you don’t want that to affect your credit rating. It’s probably better that you are not associated financially.   What is the mistake that you’ve made that’s been your most valuable lesson? I’ve made loads of mistakes. In the old days, it was buying overseas, buying things that I didn’t understand. Bringing in the right people and paying them well is really important. Over a period of time, paying for good people means you save money, and get a better job done. In the early days, I was trying to reduce costs on everything.   How would you approach trying to find an investor with the view of starting a JV? You want to be going to networking events, getting yourself out there. Doing smaller jobs with investors, and then you add value to buildings, then move onto the larger JV.   What would you expect to pay for a shareholders agreement in a JV? For my solicitor will charge around £1,500 for that. It will completely depend on the other party sending over their changes to the document in one go, so it doesn’t drag out. It’s a really good idea to use a solicitor so it’s correct and legal.   What is the best way to get the most value from a refurb whilst sticking to a budget? Get three quotations for everything, and speak to your letting agent and your builders about what needs spending money on, and what doesn’t. Be really clear about how you want things to be. I wouldn’t pay the builder up front but when it’s complete. Try and build a relationship with a builder who you can use again.   Do you ever get bored of working or fed up? Yes, I get stressed and fed up. I often just get in the hot-tub and home, and under the water so you can’t hear anything. After a good night’s sleep, I can work through my issues methodically the next day. I do sometimes think how much is enough property, and how long do we want to do this for but sometimes you can’t just stop doing it.   What was the deal that made you feel rich? I’m not sure I feel rich, and rich is a moving target. I used to think at this level I would feel rich but it’s a moving goalpost. There is always someone else who has more properties or has more income. Because it’s gradual, it’s incremental, and then you don’t notice it as much.   What's the best banking structures for separate companies? If you are doing big projects then it’s good to start companies per each project. I don’t like having loads of Limited Companies however as there is a lot of administrative burden such as accounting. My goal is to bring everything together eventually. They can, however, shield you from external factors. Every single company I have been involved in that has been dissolved has done so without any creditors, that’s really important to have that history.   What do you think of the longevity of deals sourcing/packaging as a business model? I don’t think there is a time limit on it. You need to be registered, and get experience with it. You need to get really good at it and find the best deals. I don’t do it as much anymore, because if I find a deal then I want to buy it myself, and get the income from them. It can help you grow your portfolio though, especially in the earlier days of the business.   Best Moments ‘I wouldn’t have started out in a much different place.’ ‘I like to buy and then hold property.’ ‘Internationally countries are trying to get interest rates up over the next few years.’ ‘Keep an eye on interest rates, but it’s better to focus on the things you control.’ ‘Downturns will inevitably come.’ ‘I suspect we are in the second half of this cycle.’ ‘Rarely do business partners work effectively if they are friends beforehand.’ ‘Over time you build trust and confidence.’ ‘Kissed a lot of frogs to find the right business partner?’ ‘You need cash flow to look after today.’ ‘Learn from people actually in the job.’ ‘Learn by doing is always best.’ ‘It’s probably better that you are not associated financially.’ ‘I’ve made loads of mistakes.’ ‘Pay the rate for good people and it will save you money.’ ‘Find the right people, and pay them well.’ ‘You need to network a lot to find your investors.’ ‘There is a lot of value in getting a solicitor to help write your shareholder agreement?’ ‘I just can’t help getting back into it, and buying property.’ ‘I’m not sure I feel rich’ “I’m always driving for more.’ ‘The buck always stops with you.’ ‘Prepare for the worst.’ ‘Lenders are more relaxed when properties in limited companies with your personal lending.’ ‘The mortgages I have in limited companies don’t show up on my credit rating.’ ‘The uncertainty around Brexit isn’t good for business.’   ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD Markhomer@progressiveproperty.co.uk https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

As entrepreneurs, we all think we can do it all by ourselves. But there are only a limited number of hours in the day so for you to scale your business you’re going to have to delegate. In this episode, Mark goes through why and how you should be delegating in your business. Delegation involves hiring and trusting the best people, building processes around them that will be consistent and training people properly. If you haven’t delegated to your staff properly yet then you are aren’t leveraging your time effectively on the tasks that are the most important for your business. We’ve all had the thought that we can do it better ourselves, listen to this podcast as to why that is not entirely true. Key Takeaways Delegation and passing tasks along the chain is a huge thing in business. We only have a limited amount of hours in one day. In order to build businesses properly, you need scale. You need to delegate to other people and build an effective structure within your business around those people. We realised we needed more corporate structure in our business after we started with a more laissez-faire approach. We employed someone who knew how to set up the right structure for us as our GM. We have 60-70 staff with a GM who leads them, and various departmental heads, who manage 7-11 individuals each. Tasks then get passed down and up through the chain. We have a lettings agency, who is run by a partner and we have a development company I manage by myself, with an assistant. Each has its own structure and hierarchy. I may as well do it myself, is a common misconception. If you get someone good and train them properly they might be better at the task than you. Even if they are 80% as good as you then you will have freed up your time so you can concentrate on income-generating activities. Leverage your time, to ensure you are scaling your business. It’s important to have processes that are structured so that you have clear, consistent outcomes. We have several processes for different aspects of our business from letting agent, to tenancy management and marketing. Try to automate processes where you can, so they save time and you make outcomes more consistent. You can have simple things like process manuals or checklists for everyone’s job in your company. For when people are on holiday so learnings stay in the business and things don’t get missed. You can see then if there is any duplication in the business as well. This will prevent people from amending them as they go along and creating inconsistent products. Hire employees you trust. If you pay more you will often get more out of them. Good employees will give you back multiple times their salary. Rehiring new people probably cost near 20,000, through their time, staff time to do their induction. Make sure you hire the best. Make them feel valued, give them lots of benefits, and retain them. Two-way training processes and feedback are important. You need a meeting like a 1:2:1 to get two-way feedback from staff, to understand what the issues are in their role, what training they need and are they happy. This should be a feedback loop in managing people. Tracking results and performances are important if you're going through a process you need to make sure you measure the outcome. Make sure to test and measure in a pilot and then interrogate the numbers after that to see what was effective. Check where it has worked in reality. Each process and system needs to be tracked through numbers. Things will go wrong sometimes. You might be outbid for a property, you might lose out on a property. New business have numbers which are very tight, you have to expect that the law will change and make sure you have some money spare to pay for any issues that might come your way. It’s really important to have that in the background with the economy being in a difficult place. Best Moments ‘In order to build businesses you need scale.’ ‘You need structure.’ ‘I have this habit of not letting go of stuff, I may as well do it myself.’ ‘You need to let go.’ ‘You can’t do everything yourself.’ ‘Get people who are right for the job, with the right experience. So you can trust them.’ ‘Automate your processes, where you can.’ ‘Each process and system needs to be tracked through numbers.’ ‘Two-way training processes and feedback are important.’ ‘Hire employees you trust.’ ‘You will get the investment back if you pay for better, more experienced staff.’ ‘Things will go wrong sometimes, so leave some space in the numbers.’ VALUABLE RESOURCES https://itunes.apple.com/gb/podcast/mark-my-words-podcast/id1165370399?mt=2 The E-Myth - Michael Gerber ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Markhomer@progressiveproperty.co.uk https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

MARK’S BIGGEST BUSINESS AND PROPERTY LESSONS In this episode, Mark takes us through the biggest lessons he has learnt as an entrepreneur investor. His experience and expertise provide an in-depth insight into the things that really make a difference in property investment, listen in to find out more. KEY TAKEAWAYS Keeping property Keeping property in the long term is always a better strategy. If you keep property over the long term and possibly convert it into flats to let or renovate, then you will generally generate more profit from the project. Over the longer term, this will create a build-up of money that will enable you to work less, freeing up your time to do other things. Don’t pay builders for works not complete Although we sometimes have to run ahead its best to not to expose yourself. If you pay builders up front they are less motivated to complete. Always hold a sizable amount for payment on completion to ensure all aspects are completed to the standard you require. Economic exchanges that initially look cataclysmic are often sortable Lots of legislation changes, blips with the Stock Market and section 24 haven’t developed into recession and even in this scenario often it’s better to hold. If there is a drop, over the medium to long term the value will go back up again. Dinner party investments Often people like to brag about what they own. The prettier a property the more likely the yield will be lower and the greater the depreciation compared to less attractive buildings Doing what looks easiest and the most interesting to others can mean thinner or no profit at all. Focus on 1 or 2 strategies and get really good at them The key to making money and business is to get really good at something, becoming better at it than your competition. Lots of people say equity or shares are better than property investments Most of the time the return within a fund is less than if you are investing yourself and adding value to the property as usually the return for cash on cash is in double figures. Birds of a feather flock together If an investment is risky, a scam or unlikely to produce good results the people around the project often have questionable morals. You don’t necessarily need to understand an investment just look at the people who are around it. People always buy what they want and not what they need. People will pay for something they want rather than what they need. if you are developing a product it does need to solve problems and it does need to be something people need but you must make it something they desire above all else. Your spend on marketing and sales in your business should come first. If you don’t have marketing you don’t have a business. ‘No’ from somebody buying something or investing in something is only ‘no’ today   If you are rejected let them see what you are doing, often it is just a matter of time. Be consistent and let them see you can be trusted. Cars, things and gadgets Experiences and relationships are far more satisfying than things. Focus on things you can do these experiences will stay forever. BEST MOMENTS ‘It usually all works out’ ‘People often misevaluate’ ‘We are attracted to things that keep us safe’ ‘Make sure you are buying buildings that are throwing out value’ ‘You’re much better buying the old dirty buildings and adding value’ ‘Investments that shine usually don’t’ ‘The sizzle sells the steak’ VALUABLE RESOURCES https://itunes.apple.com/gb/podcast/mark-my-words-podcast/id1165370399?mt=2 ABOUT THE HOST Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Markhomer@progressiveproperty.co.uk https://www.linkedin.com/in/markhomer1 https://www.facebook.com/markprogressive https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

To get financing, you have to prove to banks and lenders that you’re far from delinquent and can be trusted. So, in this episode of Mark My Words Podcast, Mark talks about how essential it is to build rapport with long-term lenders to get better terms with banks. He also suggests that you look for 2-3 commercial lenders. Though you’ve submitted the complete requirements and have an outstanding credit report, it also makes a difference if you have established a connection with the relationship manager since they already trust you and know that you meet the criteria. KEY TAKEAWAYS Mark prefers to get to know and contact the relationship manager directly with the bank, not through a broker. In this way, you get to know each other. So, when they see that you have good standing of records in their database and remembers that they also know you, there is a high possibility of getting the best terms with the lowest rates. Mark’s Tips: Have 2 or 3 commercial lenders. Try not to spend too much money on legal fees. We need development finance for our projects. Banks offer low loan values, and the terms are not as good. Mark suggests going to your broker for your development finance. BEST MOMENTS "Until the evaluation is back and the bank has confirmed how much they're going to lend on the property... you probably got that many more issues to come." "In the future, I probably find a bank number two - a backup, a secondary bank." "You need to have 2-3 long-term relationships with term funders who do development finance, who you could go to if you need a loan, who has got you in his system, who has seen over time how you behave." VALUABLE RESOURCES British Banker’s Association RBS Mark My Words Podcast #067 Can I borrow all the money for my project? YES, you can! Interview With Dean Brown | iTunes Progressive Property ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

January Is a great opportunity to reflect on the year ahead. It’s a perfect opportunity to redefine your objectives. We have an interesting financial backdrop at the minute which is changing. Amber warning lights are going off in the stock market and in today’s episode, Mark talks through the possible indicators that you should be looking out for, which might be able to guide your future actions. If you want to protect yourself and prosper in 2019 as well as the next five years, Marks investment advice is well worth your time. KEY TAKEAWAYS Asian, Uk and US stock markets have all dropped in the last few weeks. Some of the cleverest economists in the world don’t know as much as the inside of the stock market. The real economy is the growth, asset values, and jobs. The stock market looks ahead to a year or two years time. It’s not perfect, the timing can be off but it’s the best indicator we have. It’s more likely we are closer to the next recession. Since 2010 and we came out of the last recession, corporate non-financial debt grew to nearly 10 trillion, from 6 trillion. In the same period corporate earnings only grew by 60% of that number, 40% has been financed by debt, government debt. Trump is spending a lot on infrastructures, financed by debt not tax income. The stock market is flashing amber if it were a traffic light. There are issues in the system. The next five years isn’t going to as good as the last five years. The stock market is showing certain indicators of where the economy is going. Cyclical Stocks compared To Non Cyclical stocks. Cyclical stocks are ones that do well in the good times, like house builders who always do best when there are lots of jobs, and the economy is doing well. Those cyclical stocks are down across the board. The stock market is marking stocks down, as it expects theses will be impacted most by a downturn. Some companies do better in a recession. Letting agencies do better in a recession, as more people want to rent more than buying. They are a counter-cyclical stock, like pharmaceuticals whose stock is up over the last couple of months. The counter-cyclical do better in a downturn. The expectation is baked into the price of this stock. The Yield Curve. The US issues bonds and loans, which are called a Treasury. The UK government are called Guilds. You are then giving your money to the government for a set interest rate, at certain times in the year. The price of those bonds is set by the market but there is a fixed rate back to the investor. At the minute you are getting less interest for the longer you lock your money in. The treasury curve is inverted. When institutions are not as safe, then they will go and put that into more safe places like US and UK government bonds. The US and  UK governments have never defaulted on their debt. This has meant the curve has been inverted. What is likely to happen? The stock market will have struggling returns over the next five years. This is all against a backdrop of high employment rate, wage growth and better economies. Generally, the real economies are growing well. These are lagging indicators, they lag what happens in terms of the market. What else is not going to do quite as well? Banks, anyone dealing in credit, and housebuilders. We are in the latter part of the cycle. I won’t be selling my properties in a recession and then buying them after. The cost of buying and selling such as the valuation, bank fees, solicitor fees is around 10-15%. You need to think about the staff time when you are buying and selling which is at least 5% of the price of the property. Then all the taxes on selling the property. This could cost you in the total of 20-30%.   It’s the developers that have to sell their stock that always do the worst. Market moves shouldn’t affect you as much if you focus on rental income and on long term investments. If you can do smaller units, smaller houses which are more likely to be let and have higher yields you should be fine. If you focus outside of the capital it can be a safer strategy. It’s important to develop high-income generating properties. Maybe up to around 15%. You get a good cash-flow every month, and the banks like them as they look less risky. Focus on those bread and butter deals. It’s a good time to negotiate harder and use the negativity around to your advantage.   BEST MOMENTS ‘Amber warning lights are going off.’ ‘We probably are in the second half of the cycle.’ ‘40% has been financed by debt.’ ‘A bubble has effectively been created.’ ‘Is the bubble going to be a bang or release slowly.’ ‘Banks and construction always do well in the good times.’ ‘The counter-cyclical do better in a downturn.’ ‘The marker doesn’t expect things to better in the next few years.’ ‘We are in the 7th innings of a 9th innings cricket game.’ ‘You’ll have to time it perfectly and a 20-30% increase the other side of the recession to stand still.’ ‘Buying and holding properties is still a good idea.’ ‘It’s the developers that have to sell their stock always do the worst.’ ‘It’s important not to over-leverage.’ ‘It’s important to develop high-income generating properties.’   ABOUT THE HOST Bio - Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome back to another episode of the Mark My Words podcast with your host Mark Homer. In the latest episode, Mark answers all your questions in a Live Q+A. Mark answers questions on lending, serviced accommodation, how to raise finance, and where best to invest? If you are in property these answers are essential listening. Key Takeaways Large developments have to be sold as the yield is too low on the rents. The people that get hurt in recessions are the ones that rely on sales. If you can rent it out and get the cash flow then that would be great. This might be a good time to start sourcing properties as we are approaching the next recession cycle. Are you are constantly talking to agents and networking? I make sure I keep speaking to people to get the right deals. Having good relationships with these agents are essential. If you started from zero again, where would you start? In a similar way, I think, buy some single lets and some HMOs, then start on some converted buildings. Serviced accommodation is an opportunity area at the minute but like all things, there will be more and more regulation over time. There will be lenders who will lend with you? There will be lenders out there who will lend to you even if you don’t have any experience. When you move into commercial lendings, you will need to provide more experience. Usually, you will need to provide an appraisal of the development, schedule, sizes rent levels, your CV, and your builder's CV. How Have You Educated Yourself In Your Different Strategies? I spend hours on forums, reading the little tips and hacks, to game systems. More and more people have come along to this but there are still opportunities. I read stacks and stacks then start testing. Maybe see someone else doing it and pilot what they are doing in a small way within my own business. There has been a lot of trial and error. Create a Trading or Training Business. Can you create information products, online, marketing business around property. You would need a high-end property strategy to only just to property. Make sure you get the income straight away what other areas can you gain an income from. City Centre Is Always Best. With regards to serviced accommodation, the location is essential. City centre buildings are the best, SA can be difficult outside of the city centres. Hospitality, Bars and Restaurants. It’s not something I really understand. I don’t like the hours that you have to work. You have to pick what you enjoy. I love income streams growing but others have made those areas work well. Investment Strategies. Mark and Rob buy watches. If you are trading you need the obsessive and educational knowledge to understand the market. Watches will be going up and up and up over time. Make sure you know the asset market really really well whatever the product. Best Moments ‘Uncertainty provides an opportunity for purchases.’ ‘I help others, and they help me.’ ‘I’m very selective around who I hang around with.’ ‘Stay current.’ ‘Another 20% new each year.’ ‘If I was starting out now I would create a training.’ ‘Find something you love.’ ‘The people that got hurt in that recession were the ones that rely on sales.’   Valuable Resources https://www.headforpoints.com About the Host Bio - Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   Contact Method Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In this episode Mark has an in-depth discussion with Dean Brown MD of Aureum Finance about the best way to fund a project. They explore the current diverse and wide-ranging funding options available and Dean offers advice on how to approach the finance market, an overview of the current deals available and how they can be tailored through to meet your finance requirements. KEY TAKE AWAYS • There are huge benefits to using a brokerage service as having the quotations researched and presented saves time. To have the summaries and then be able to make an informed choice is beneficial or lots of levels. • The market is very diverse currently and this can make it a challenge to know what the good deals are out there are. • Most lending is from challenge lenders and alternative banks who have come into the market with specialist teams. This has provided a good opportunities to borrow • Most of these organisations are happy to lend between 80 and 90% whereas clearing banks usually lend around 60%. Specialist development lenders are doing a lot of business • Standard investment finance cost comes down to loan to value against rental income so if you’ve got high yielding property with good income then you can borrow more. For a longer-term hold there are investors out there typically with rates of 2 – 5 % currently. • If you are looking for investment for a project. Put together a good presentation, have a team around you and a good track record to provide comfort for the investors. • Cost of the finance always comes down to what you want to borrow • First question asked is what do you need? and how much equity have you got to put in to this project this helps to steer the project to the right lenders at the right cost • Aiming for between 60 65% GDP is the most competitive space right now in terms of lenders with rates of 6 -7 % in this sweet spot. • If you don’t have lots of experience partnering with someone with more experience can help in several ways • Lending rates are likely to be more favourable• You will learn lots working alongside someone with experience   BEST MOMENTS “Most people look at what the annual return is but it’s important to know the overall return” “Can I borrow all the money for my project? Yes, you can but it’s not always easy”“Specialist development lenders are doing a lot of business” There lots of money available”“If you’ve got a requirement you can usually find a home for it” ABOUT THE GUEST Dean Brown Dean Brown is managing Director of Aureum Finance a Property & Finance specialist which provides assistance raising capital for all types of property transaction. ... Real Estate & Project Financing: Private Equity, Investment Banking, Structured Finance. http://www.aureumfinance.co.uk/ ABOUT THE HOSTMark HomerMark Homer is an entrepreneur investor. He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books. Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.Contact MethodFacebook – Property soldierEmail – kevin@propertysoldier.co.ukEmail: Markhomer@progressiveproperty.co.ukLinkedIn: https://www.linkedin.com/in/markhomer1Facebook: https://www.facebook.com/markprogressiveTwitter: https://twitter.com/markprogressive    ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome back to another episode of the Mark My Words podcast with your host Mark Homer. In this episode, Mark goes through his top tips for saving money in your life and business. Mark goes through several areas on how you can save thousands of pounds every year in your life, and business from car insurance, to utilities and saving accounts. Key Takeaways Personal Car Insurance. Make sure that six weeks before your renewal date you search around for cheaper options for insurance. The whole industry is predicated on making a profit from customers who are loyal and don’t change provider every year. Looking at the below four comparison sites every year can save you hundreds of pounds in the cost of your car insurance. Money Supermarket Confuse.com Go Compare Compare the Market Fleet Car Insurance. Try and go to a number of different brokers and play them off against each other, every year so that you can save money on your fleet insurance. This is the best way as there are no business compare websites for fleet insurance. Home Insurance. Make sure you go onto a number of comparison websites every year which can ensure that you are saving hundreds of pounds on your policy. Some of the best websites are the below: Money Supermarket Compare the Market Go Compare Keeping your claims down in the last five years to under one can help to keep your premiums down. Brokers are useful in gaining portfolio insurance for a large number of properties. At the end of each year get a quotation for each of your brokers to see if there are cheaper options. Utilities. Make sure that you are changing these every year, which has got a lot easier in recent years. Please do subscribe to the Cheap Energy Club, at the link below, which lets you know when there is a product that is cheaper than what you are already paying. Changing from the standard rate which energy companies automatically place you on, to an offer rate can save you hundreds of pounds. Saving Accounts. Try and change this account every April as this is the start of the personal tax year. I want to make sure that I’m getting the highest savings rate. Please check Moneyfax.co.uk which can offer you the best deals for savings accounts. There are always some good instant access accounts on the list for you to have a look at. There is a new Goldman Accounts called Marcus which has a good interest rate on it, for 12 months. Rates drop down after the first year so it’s really important to switch every year. Mobile Phone Contract. Every year you are paying the subscription to a mobile company, so at the end of the contract make sure you get your upgrade on your phone, as you are paying for this through your contract. It’s best to use a price comparison site so that you can find the best tariff on the market. Mobiles.co.uk   Buying In Bulk In January. Use the January sales, and buy two years worth of supply for shampoo, toilet roll, kitchen roll, those essential non-perishable items for your house. Then I’d store this under the house, which means you save lots of money and you don’t have to go shopping for these items throughout the year. Make sure you’re not loyal to a brand but you’re looking for the offers out there. Contract Hire On Your Car. Make sure you are going for the offers that are available rather than the brand or model of car. This can be a really effective way of saving money. The below websites are the best websites that Mark has used to get the best deals. If you would like Marks spreadsheet which compares these offers please email him, his details are at the bottom of the show notes. CentralUkVehicleLeasing.co.uk Freedom Contracts.com V4B AppliedLeasing.co.uk Best Moments ‘Make you have BS3642 locks on your doors and key locks on your ground floor windows.’ ‘Definitely look at changing your mobile tariff, utilities and car insurance to save hundreds of pounds’ ‘Make sure you’re not loyal to a brand but you’re looking for the offers. Valuable Resources Cheap Energy Club - https://clubs.moneysavingexpert.com/cheapenergyclub/register Moneyfax.co.uk    About the Host Bio - Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Facebook – Property soldier Email – kevin@propertysoldier.co.uk Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to another episode of Mark My Words Podcast. In today’s episode, Mark is in conversation with Kevin Poneskis and talking about all things serviced accommodation at a Mastermind programme event. In front of a live audience, Mark takes a series of questions on a range of subjects related to serviced accommodation, from Brexit, personal development and how to scale your property business. Key Takeaways What changes to serviced accommodation (SA) regulations will we see in the future? There have been several recent changes to regulations of the HMO and SA property sector and there is likely to be more. After new innovations occur, we can expect a time lag in the introduction of associated regulations, but by five years’ time, there will be effective implementation of these new regulations. It’s therefore worth ensuring that you are in line with these regulations like fire safety, and room sizes. How will Brexit affect trends with serviced accommodation? No one knows exactly what is going to happen with Brexit but the uncertainty has already affected the market. When there is certainty again, ideally when Britain leaves in March, things should look more positive and there might be a sudden rush to invest. Brexit is important for the property sector, but it’s more important to the manufacturing and direct trading industries. Saturation of the serviced accommodation market? Someone, somewhere, always thinks that the market has become saturated. There might be quieter times in the summer but if your unit is better than the competition then the market takes care of itself. Even simple things like a lick of paint or lowering the rent can be effective methods to fill units in a quieter season. How do I scale up my property business? Focusing on one geographic area can have real positives for growth. With that kind of focus, you’re able to get to know your local agents and landlords better, and your staff don’t have to travel as far between properties. This is much more effective than a more scattergun approach, leaving you to knowing a lot less than your competition. How best to work with high net individuals. Often these individuals don’t want to and don’t have the local knowledge to run these businesses operationally. Doing stage work, improving your online presence, attending networking and auctions can be really effective ways of increasing your profile. Once you’ve done these kind of things over a couple of years high-net-worth individuals tend to find you. Next best thing? VR (Virtual reality) is probably the next growth area especially helping consumers choose which unit to rent. In addition, Blockchain has some interesting applications to automating arduous processes, such as making the land registry process to make it quicker and easier.    Personal Development. Both informal and formal mentoring can be incredibly effective personal development tools. Finding your peer group, other people doing similar things to you, can be a great way to share ideas and learn from each other. Best Moments ‘Brexit is important but maybe more important for manufacturing or people directly trading’ ‘You can save a lot more time and make a lot more money when you focus on one area’ ‘What does your SA look like? How good is it? Whats its location? Matters more than Brexit.’ ‘Take out all those non-incoming generation parts of your day.’ About the Host (and Guest) Bio - Kevin Poneskis Kevin Poneskis enjoys public speaking, travelling, exercising and keeping fit. He also enjoys working with a charity called STOLL which provides accommodation and training for homeless veterans. Kevin was in the British Army serving 24 years, mostly in a Commando unit and retired at the rank of Regimental Sergeant Major. He left the Army in 2011 and became a full-time property investor. During most of my Army career, Kevin was investing in property and has been a property investor now for over 27 years. Bio - Mark Homer Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. Contact Method Facebook – Property soldier Email – kevin@propertysoldier.co.uk Email: Markhomer@progressiveproperty.co.ukLinkedIn: https://www.linkedin.com/in/markhomer1Facebook: https://www.facebook.com/markprogressiveTwitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to another episode of the Mark My Words Podcast. In today’s episode, Mark shows you how to invest in the stock market, in a quick, easy and risk-controlled way. If you're an entrepreneur or property investor and want more tax advantages and benefit from an investment ISA or portfolio tracker, this episode is for you. Mark walks you through his investments using his preferred investing platform, Hargreaves Lansdown and demonstrates the automatic way of spreading your money around the different products and opportunities available to you, right now. KEY TAKEAWAYS I've invested a lot in companies that have had issues in the media and it's viewed in the short-medium that they'll recover in the end because the band or product is strong enough to prevail. A lot of people invest on emotion and you'll find companies share prices drop down further than they're worth due to people emotionally trading. An example of this would be the Volkswagen emissions scandal where their share price dropped to a record low, but due to their brand and their strong product, they’re recovering and the investors are set to make a profit. You should be looking at putting money in your account at various times throughout the year and building your capital up for investments. The best bit is they’re tax-free, you won’t pay any tax on the capital value and you won’t pay any tax on the capital gained. Hargreaves Lansdown gives you choices of what to invest in, including individual shares (this is riskier). Invest in individual shares if you know the company and you understand what they do. Remember that if you are doing this, only invest a percentage of your portfolio as companies can go bust. This is why FTSE 100 companies are probably the type of businesses you want to invest in. Another way of investing can be to use a tracker fund that tracks the market going up and down. These are very low costs and over the long term do very well. You could use a fund manager, however, over the very long term they don't generally do much better than a tracker How to invest using Hargreaves Lansdown? Open your account as an ISA. There is a limited of £20,000 to date. Now you can go and buy shares directly through the site, using your ISA. To find out more about trackers simply hit the search bar at the top and bring up tracker portfolios. BEST MOMENTS Always spread your money around and put it into multiple stocks Warren Buffet recommends trackers wholeheartedly VALUABLE RESOURCES Hargreaves Lansdown https://www.hl.co.uk/ Vanguard Investor Tracker https://www.vanguardinvestor.co.uk/investing-explained/index-tracker-funds ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to another episode of the Mark My Words Podcast. In today’s episode, Mark discusses overwhelm and how you can avoid it in business and in life. Mark brings you his top tips on how to better manage your time and your headspace so you can get more done and become more effective. We all need to accept that overwhelm and stress comes from us. We are part of the problem but also the solution. We need to realise that you can better deal with your issues and stress in order to give yourself more clarity of thought and a better focus when attending meetings and interacting with others. KEY TAKEAWAYS Top Tips To Deal With Overwhelm Write down what it is you need to do. Get your ideas and tasks out of your head and give yourself the space to collate your thoughts and reduce the stress. At the end of the next working day, revisit the tasks you’ve set yourself and with a clearer mind evaluate what you’ve done towards the tasks. Reduce the amount going into your diary and compartmentalise when you can take meetings. Create blocked out times when you’re seeing clients or going out of the office and add a buffer to allow for travel time before and after the meeting so that you’re not rushed. Adding time after meetings will give you time to collate your thoughts also. Always have your phone on silent so you can’t be distracted throughout the day and revisit any missed calls or messages at the end of the day. Make sure you unsubscribe from emails or block numbers from marketers. Always have honest conversations with the people around you. This can include family and business partners and gives you the opportunity to be on the same page so you can work coherently.   BEST MOMENTS “Quality time thinking and quality time interacting is better than going through the motions” ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to another episode of the Mark My Words Podcast. In today’s episode, Mark discusses BREXIT and lays out what’s going to happen post BREXIT and what it means for property investors and their investments? Get Marks inside-track on our economic situation and why now, is still a good time to be investing in property. The main consequence of Brexit is lots of changes surrounding trade and our relationship with the European Union, changes to rules around lending and the general legislative framework that we follow in the UK. Brexit is the biggest project the government has undertaken since the second world war and as a result, lots of the UK market has gone ‘soft’. The brake has been applied to the market and once we get some level of certainty from the government, from the EU and from our Brexit deal we will start to see an increased economic growth, in business and in property. Mark suspects at the end of the Brexit period the economy will see a big release of capital and movement with our economy, our property prices and our rental values. KEY TAKEAWAYS Generally speaking, residential property investors are better insulated against legislative changes than commercial investment and standard retail businesses. Why? Simply because people will always need somewhere to live. There are 70 million people in the UK and they all need a home. Brexit also doesn’t necessarily mean all UK migrants will ‘go home’ there will still be a form of immigration in place to fill jobs and to keep the economy growing. There will always be a demand for new housing in the UK, we are about 100,000 homes short and currently cannot keep up with demand for housing. Because of the supply and demand imbalance you’ll most likely see property prices rise and rents increase. Brexit doesn’t mean ‘stop investing in property’ lots of property markets around the UK have gone ‘soft’ and dropped around 20-25% since Brexit started. The property market will continue to be ‘soft’ until we get some certainty. Lending for both development finance, long-term finance and commercial finance is now easier than ever before, certainly easier than in 2008-2010. Mark recently went to Funding Circle for a loan and was offered £240,000 unsecured at 2.7% per anum. Banks and financial institutions are lending at much better rates than in the last ten years. If you look across the three commercial sectors, retail has become a lot more negative, industrial is very positive due to trade counters and smaller businesses and the office market is also clearly very strong. BEST MOMENTS “We are short of housing demand by about 100,000 homes each year” “RICS are saying rents will go up by 10-15% in the next year to 18 months.” “Lots of investors retract from buying property when there is a lot of negativity in the media and uncertainty around our economic situation, what you need to do is look at the opportunity here” “Our European cousins economy is probably growing about 1% more each year because they don’t have the level of uncertainty the UK has currently” “The Retail market is in a slow-motion crash due to online growth and online retailers” “It is in the European Unions interest to do a deal!” ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Welcome to another episode of the Mark My Words Podcast. In today’s episode, your host Mark Homer interviews Michael Edwards, yes the one and only Eddie the Eagle. Here, Eddie talks about all of his experience being a professional ski jumper, what he has learned in life and about property investment. Firstly, they discuss Eddie’s success in the ski jumping world and how he was able to overcome all the obstacles put in front of him, despite all the sneers from the negative people around him. Mark and Eddie discuss he journey to the Olympics and, the experiences Eddie has had since entering the world of property investment. KEY TAKEAWAYS Eddie is knowledgeable when it comes to property investment. If he had money, he would buy a property. He does not like to rush. He would develop the property in 3 to 4 years and then sell it and then repeat the whole process. He made a lot of money because of his style of investment. Eddie mentions that he would have preferred to manage his own money in the past. He would have more control over it, and it would not have dwindled away. He wouldn’t have to file for bankruptcy. His money wasn’t being taken care of well by the Trustees. He thought he could trust them but apparently not. Eddie wants to advice everyone to never give up. To never lose sight of where you want to go and what you want to do. Sometimes that might mean taking a step to left or to the right or taking a few steps back in order to progress forwards. BEST MOMENTS ”One thing that drove me is that passion for doing something that I absolutely love doing.” “I don’t believe in the word ‘can’t’. I always think there is a way and you’ve just got to work out what that way is.” “Life’s too short to not to do what you enjoy doing.” “You’ve just got to think outside of the box and get around that obstacle. But never lose sight of where it is that you want to be. Never give up.” ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of his other investments he’d tried in the last ten years, combined. CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST Michael Edwards is an English skier who in 1988 became the first competitor since 1928 to represent Great Britain in Olympic ski jumping, finishing last in the 70 m and 90 m events. He became the British ski jumping record holder, ninth in amateur speed skiing (106.8 km/h (66.4 mph)), and a stunt jumping world record holder for jumping over 6 buses.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

DESCRIPTION Welcome to another episode of the Mark My Words Podcast. In today’s episode, your host Mark Homer discusses the different property areas you can invest in, to acquire right property deal and achieve the possible yield.   Mark is always getting asked ‘which areas you should invest in, to receive the highest yield’ and in today’s episode Mark explains the pros and cons of a scattergun approach and why you too, can make the most money over time by investing in your local area, learning through osmosis and increasing your knowledge with every investment.   Don’t be a small fish in a big pond and spread yourself too thin, dominate your local area and super-charge your property investment business.   KEY TAKEAWAYS Whilst the whole letting industry has improved over the last five years, there are still a few agencies who are not as good as they should be. They might be taking tenants in who they shouldn’t, not referencing properly or abiding by local council laws. You need to know the rules of your local area and build a reputation, particularly with the local estate agents. I believe in creating a business that creates widgets. If you do the same thing over and over again, you create something close to perfection. If your trying to build ten widgets in ten different investment areas you add many layers of complication and complexity. Most people initially think it’s best to invest elsewhere in the UK, to get higher returns. But chasing the highest return isn’t necessarily a good strategy, a scattergun approach is not always the best idea.   BEST MOMENTS “It’s very important to build up a local knowledge yourself, if you don’t have a level of technical yourself people will tell you what you want to hear” “With any business, you tend you make the most money over time when your knowledge base increase. I’ve made more and more money the longer I’ve been in a certain area, I’ve learnt through osmosis” “You’re going to have to kiss a few frogs to find a good one. But you’ll learn throughout the process and your work in finding the good ones is multiplied over different investment areas” “If you invest in a new area you’ll have to learn the rules of that area” “If you get a great tennant with a great lease, your property is going o be worth a lot more money”   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of his other investments he’d tried in the last ten years, combined.   CONTACT THE HOST Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Robs latest book is finally live, available on preorder on audbile now. In this bonus short, Rob discusses his new book, its content and some very special bonuses for early buyers.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

(4.03) Welcome to the Mark My Words Podcast In this episode Mark interviews The Lord Lieutenant of Northamptonshire. Mr David Laing of Laing  Construction, whose illustrious career spans several decades. Mark makes this episode become a very open discussion between two entrepreneurs from very different periods. KEY TAKEAWAYS (5.00) David Laing’s business history intrigues Mark. He asks David about the construction dynasty which started in 1845.David Laing tells us how he was on his way up to Edinburgh recently when they stopped off at Gretna. This made David think about how his Grandfather and his Grandfathers father had been responsible for building the town. Gretna was set up as one of the main munitions factories during the 1st world war. He goes on to tell us about how they built miles of factories and accommodation for 50,000 workers. (7.12) David Laing continues to tell Mark about the growth of Laing’, how the expertise in concrete continued and how they built the M1 he discusses all of the buildings, bridges and so on through this period which included the Millennium dome. Mark and David discuss the benefits of the Dome. (25.52) Mark probes David’s outlook on politics by asking David to pick up on a thread from earlier in the conversation. Mark outlines concerns within the community if The Labour Party came into power. David Laing gives a considered reply by covering the various dangers of inflation, profit, tax and the probability of who would be the front man for Labour. The discussion goes on too looking at trade generally covering Brexit, Donald Trump and the world. (37.25) Mark asks David Laing where we are in regards to Cycles/Timing. David says we are still in the fairly golden times at present, property is still rising and there is a lack of housing, he advises that it could be a couple of years time when Brexit and /or Corbyn could be the triggers for change, so try to keep within you borrowing limit, retail is definitely not an option for profitability. (45.40) After a brief discussion on gearing, covenants and the percentages obtained, Mark moves the interview away from business and asks David “what do you do for Her Majesty?” Davis Laing is her Lord Lieutenant. David sees this post as the eyes, ears, heart and temperature control of the county. This means he needs to know what is good bad and needs fixing, although it is a non-political role, he tells us that he is there to do whatever Her Majesty is not able to do. He is involved in the military on her behalf and holds the equivalent rank of Major General. Many of his duties include visiting schools to support them, helping with the scouts and brownies. (1.01) Mark examines David Laing’s fascination with cars and racing, and the crash at Silverstone in 2006. David talks about all the various racing cars he either has driven or admired and his more recent experience driving around the world circumference in 69 days with Mary as his navigator. He runs through the various countries they drove over, so we are able to imagine how it must have felt driving 11 hours a day in all those locations. BEST MOMENTS David Laing tells us that “timing is always the most important thing in the business” David Laing’s knowledge of changes in government gives us a sound grounding for preparing how to deal with the future. David and Mark look at the impact of homelessness on cities and how it can be approached going forward. Mark asks David about the difficulties in obtaining finance in the past and how it compares with today’s financing Building the M1 had an advantage for David Laing he had just started courting his wife up in Leicester and it meant they didn’t have to drive up the A5 and A6 anymore!   ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, as well as co-authoring the UK’s best selling property books.  Mark has always looked for the best investment vehicle,  and at the end of 2007 with Rob Moore  the co-founder of Progressive Property  his joint portfolio produced more profit than any of his other investments he’d tried in the last ten years, combined. CONTACT THE HOST LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST The Lord Lieutenant of Northamptonshire. David Laing is a man of principle who has worked hard through his life in the construction industry through architecture design and construction, and appears to have enjoyed all the good and disagreeable parts of his career. Mr Laing gives time and money to charitable trusts, and has enjoyed exciting hobbies such as racing.  He has been rewarded by his position as Her Majesty’s representative as Lord Lieutenant of Northampton -shire.  He has an impressive family history behind him with his Grandfather and Grandfathers’ father starting the business in 1845 all of whom did vital work through the 1st and 2nd world wars.  ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark shares with you his experience on flying helicopters. How to learn flying a helicopter, how long it takes and what to expect. What are the upsides and downsides of traveling with a helicopter and with a plane, how fast you fly, how far you can go, and all the costs you need to consider.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

David Kemp returns to the podcast to discuss the latest updates to property development law and legislation around the subject of the national planning policy. David covers some key facts that you should be aware of as a property developer or investor from SIL & CIL legislation to SANG, and how to make sure you are paying the right amount for land destined for development. ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Quentin Willson talks with Mark about cars and the car market. Why to invest in cars and how to do it. How to identiify the right strategy for investing and differences from property market.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks about what is happening in the economy right now. From interest rates and inflation to Brexit and market changes, he covers everything you need to know in order to make the right decisions.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Rob hijacks the podcast and talks about his personal story in property. How he met Mark, his business partner, and how they went from 0 to 720 properties owned/co-owned, managed & in JVs today. The CREST model and the importance of investing in yourself, presenting yourself the right way and the skills you need in order to succeed.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark explains what is happening in the economy and he focuses on interest rates and inflation. How Brexit and other factors change the economy and the environment that we do business domestically and outside the UK.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In a new format to the Mark My Words podcast, Anna Harper, interviews Mark on his thoughts on property & politics- particularly in detail about how property returns compare to other intvestment returns; what drives the value in the property market & why it's now easier than ever to borrow money from banks than it was 10 years ago. ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark & Rob share their business tips on how to run your business successfully. Why you need to manage your emotions, the importance of marketing and what a "no" actually means. Why people work for themselves and not for you and the three things that can help you grow, creativity innovation and ideation.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A special episode for the 11th anniversary of Progressive Property. Rob and Mark share the 11 things they learned so far. Their VOFM model, how they pay trades, economic disasters, importance of mentors and how they try to learn from the mistakes of others. Why they believe that is better to focus on 1 to 3 strategies and test things. Capital and income balance and lots of other advice for any property investor.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks live about one of his deals. A real case study where Mark goes through all the challenges, problems and processes of a commercial conversion. Legislation, stamp duty, prices and anything else you need to know as a property investor.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Stokes talks about his journey in commercial conversions and permitted development. How the market differs across the country, thoughts on the future of the property market and the biggest changes that we will probably see on the market the next three years.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks live together with his partner Rob, about interest rates predictions, Brexit, the next big crash, and innovation. They also share their thoughts on education and give advice for the new generation of entrepreneurs. Success secrets, tips and what type of people have inspired them so far.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark shares the 37 things he learned the last ten years. Important lessons for every property investor that can save you time and money. Why it can take time to make money in property but not a lifetime, why you earn or you learn, why investing in yourself is the best investment you can make, the power of compounding and leverage, and of course, why if you don’t risk anything you risk everything.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

At a live talk at Northhampton's PPN, Mark discusses & answers questions on Commercial Conversions, HMO developments, and the current opportunity in the market for creating rooms specifically aimed at University Students. ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Rob talks about his new book "Money". Does money make you happy? Is money the root of all evil? Why talking about money is a taboo subject? He talks about the role of money in our society, why money is the perception of value that we create and why money makes us more of what we already are. He also explains why he wrote this book and why it is different from any other book about money.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark answers questions live. He talks about financing your projects, crowdfunding and how it has affected the property market, interest rates, prices and when the next market crush will be. Regulations that you need to know about land remediation relief, stamp duty, and much more!‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

At a live talk at Progressive HQ, Mark discusses and takes questions from the audience about developing sourced deals with permitted development and what should be considered when developing properties from car parking to fire safety, to ensure the smooth running of the project. Mark also talks about some of his current projects that hes working on and challenges he has overcome so far in the developing process. ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

In a recent live talk at Progressive HQ, Mark discusses in detail with his audience the inflation report, rises in stock market growth, spending habits and how the current financial state of the UK and Property Market is advantageous to Property Investors. How to use the current environment to benefit your property business and what to expect.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

David Kemp talks about planning consultants and why it is important to have one in the early stage of your development project. He talks about case studies that he worked on and shares his experience about permitted development, planning obligations and legislation. He also talks about new permitted development rights that are coming in the near future and how planning application appealing works.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Angel investor Nelson Gray talks about investing in tech start-up businesses. How he chooses the right company to invest in, what is his strategy and the whole process of investing in a new, small company. Upsides and downsides of investing in start-ups, what is his experience working with company founders and tips for investors that are interested in financing new businesses.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Shaz Nawaz talks to Mark about changes in taxes and allowances and how property owners can be benefitted from these. What happens with the recently removed "wear and tear" allowance, how to utilise corporation relief in different situations and "Form 17". What you need to know about VAT, stamp duty and how to utilise pension allowance.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Wayne talks about his letting business and shares his experience. He talks about the different software and systems he uses to manage properties, tenants, inspections, deposits and everything else. He gives top tips for letting a property at higher prices and how to get the right tenants. Why landlords need letting agents, current changes in legislation and what are the opportunities in the market right now for letting agencies.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this episode Mark talsk about the benefits of buying your own commercial building to run your business. Why buying your office offers you advantages, how it looks from your customer or bank perspective and how you can use it in future. What you need to know about capital allowances and how to save money.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Henry talks about his job as buying agent and how he helps people invest in property. After years of experience, Henry shares his thoughts on where exactly in the market cycle we are now, how stamp duty changes affects property, when the prime central London market is going to recover and the demand from foreign buyers. He talks about how the market differs across the country and he also anwsers to the question if it is the right moment to invest in property now.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks about Brexit and how market is affected. How markets reacted to the referendum result and what happens next. How and why Brexit can affect properties, stocks, bank lending, interest rates and consumer confidence. Why he believes that in long term there are no negative implications for businesses, and his thougths on what is happening the following years.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark gives tips on how to access business and first class flights for quite reasonable prices. How to collect and take advantage of Avios points. How to spend your expenses through credit cards that give you Avios, how and when to book your flights, how different companies operate and how to plan your trips so as to get the most out of them. Benefits and drawbacks of different airline companies and credit cards, and recommendations on websites that he uses.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this episode, Mark shares his way of having luxury cars for a price of an average car. How hiring the car from the manufacturer works, what are the upsides, what to be aware of and why this way is saving you money. Mark shares some webpages where you can find these deals, he talks about the best times for these deals and gives tips and tricks on how to make the deals.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Homer answers questions on the PPN roundtable Q&A. People from the progressive community ask Mark and Rob about anything. Steps on how to make deals with potential investors or JV partners, how to use social media, problems with your projects, partners, investors and how to deal with them, how to scale up, trust your instinct, control your JV's partner involvement in your choices and the most important apps Mark and Rob use to run their business.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this episode, Mark Homer gives us some insights of his project, a new building in Bridge Street, Peterborough City Centre which has bought for 4 million pounds. This is a commercial building of 80,000 square foot, and it will be converted into high quality living spaces, next to the city centre. It will take about two years to renovate the building and transform it to a block of about 70 apartments. Mark explains why it is important to start small before you move into bigger projects, repeat the process till you get the best results, be perfect and grow!‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark and Rob share their biggest mistakes they have done so far in their business. Why it is bad to engage in business based on emotions, why mistakes are part of every process and business, and how to deal with them. Why mistakes make you stronger, how to learn from them and fix your problems immediately. ‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks about raising money for your projects. Where to find the money and all the alternatives you have. From family and private lenders to JV partners and major banks. How to attract their attention by organising your own event, be visible and make them trust you and lend you money!‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

David Kemp talks about his projects and journey so far in property business. He talks about permitted development rights and how to extract value from buildings. He shares his personal experience on developing projects, tips on how to deal and negotiate with counselors and things you can use to your advantage to get through the planning process.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark Homer talks about recent changes in the market place. What these changes mean for your portfolio, how to use this changes to your advantage and what is going to happen in the future. He covers the most important factors that can affect your portfolio and growth, such as Brexit, interest rates, corporate tax and much more.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks live about what he enjoys doing, deals. He talks about property conversions, recent changes in legislation, case studies and the whole process from opportunity to conversion. How to extract value and all the professionals you need to involve in the process so as to achieve the best result.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Arthur talks about capital allowances and enhanced capital allowances. How they work, how to benefit yourself and specific details about contracts, sellers, buyers and machinery. Everything you need to know about legislation for both individual owners and companies.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark travels down to London to meet property and tax expert Chris Wilkins. Chris is talking about taxes for property owners. Recent changes in tax legislation. How to offset mortgage interest against the rent, how it works with properties of LLP’s, LTD’s or individual owners. Property taxes and detailed examples about partnerships and joint ventures, capital gain tax and capital allowances. The interview was recorded in Chris's office which is only a few miles from Heathrow (one of the busiest airports in the world) so you might hear some airplanes.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark shares his thoughts about the housing whitepaper that has been released by the central government. What changes with local plans and councillors. New developments and density metrics, the accelerated construction programme, and how small developers and certain institutional investors will be affected.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark interviews property developer Andreas Panayiotou. Andreas, talks about the differences between commercial and residential property, changes in the market, next opportunities and predictions for the future, and what he believes big achievers do that other people don't.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A special episode for the 10th anniversary of Progressive Property! Mark and Rob are being interviewed and talk about their journey the last ten years, how it all began, their challenges, memories and they also answer to your questions.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this episode, Mark shares his predictions about the UK property market. He talks about the recent tax changes and how they are going to affect properties and landlords. Property prices in London compared to prices across the country. Demand in the property market, new technology, changes in landing criteria and Brexit. He also talks about the changes in agent fees and specific sectors of property, such as serviced accommodation and commercial conversions.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Tax expert Luke Prout talks about tax rules and changes in the property business. He talks about the ability to offset the mortgage interest against the rent as a limited company, versus individual owners. Tips and tricks on how to reduce your tax bill, use the capital gains allowance, refurbish your property and deduct expenses.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

A special episode in which Mark Homer talks about almost everything. How to invest in different asset classes and manage your time. Having variety, versus being focused in only one thing. Testing, learning from mistakes and manage your emotions. Media, haters, feedback and how to be contrarian.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Marco Cereste talks about his political and business career. How he contributed as Leader of Peterborough City Council and how he communicated his vision with developers and stakeholders. He also talks about his property business and gives advice on how to fund your business in the early stage, how to save money and control the costs of your enterprise.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Dave Ravenscroft talks about his business. How he detached himself from the business, how he picks the right people and how he manages it. He shares tips on how to save money and fund your business. How to learn from other people’s mistakes and innovate. His long-term investing strategy and all about his upcoming property event.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

David talks about his business, "Essential Information Group". He talks about property auctions, how he implemented new technology in his business and his long-term investment strategies. He also explains why feedback is crucial for businesses, how he use it, and shares his opinion about media.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this second part, Mark goes on talking about asset classes. He shares ideas on how to be wealthy over the long term, how to set your goals, choose your strategy and model that best fits you and grow.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this live episode, Mark talks about the market cycles of different asset classes, such as property, gold, wine or oil. What factors affects their prices, when is best to buy, when to sell and how to think and act unlike the masses.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark records this episode during his holiday in the Maldives and talks about JV partners. What makes someone a good JV partner, what we need to know about him as a person or professional, how to test his reputation and success in the industry, how to split the responsibilities and trust each other for long term success and growth.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this episode, Mark shares his thoughts on how to teach and motivate children to invest in property and be successful. Tips on how to get a mortgage, what types of property to buy, how to rent your property and what you need to know about taxes.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this second part, Mark goes on talking about different asset classes. Upsides and downsides of investing on these assets, how secure is your income and how scalability and taxiation can affect your investement.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark talks about analysing deals. He talks about different asset classes, their special characteristics, their cash flow opportunities, behaviour of the market and how prices of these assets can be affected by other factors.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Ray McLennan shares his experience with dealing with businesses. He talks about saving money as an entrepreneur, the importance of investing on yourself, business models and trusting the media. He also talks about his successes and failures, his free time and gives some tips for aspiring entrepreneurs.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Mark's business partner, Rob Moore, is talking about investing on watches. What are the upsides and downsides of investing on watches, how to start, what you need to know about brands, materials, paperwork, prices and much more.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

John Demartini talks about our values in life. Why it is important to find out our values and identify our priorities. How to deal with other people taking care of their values. He also talks about his way of learning and researching, his career, and he gives advice to people who want to start with their business.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this second part, Mark goes on talking about mortgages in different currencies, getting loans from banks and building trust with your bank. Why it is important to specialize in one type of property and then move to another niche, what factors you need to take into consideration before you invest, how to diversify your portfolio and why this can give you stability.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

On this episode, Mark talks about mortgage, the return on capital invested, cash in versus cash out, and gives us some ways to protect ourselves against interest rate rises.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Neville Wright talks about his property and trading business. What are the mistakes he has made throughout his career, his worst and best experiences and future goals. Why you need to know the reason of what you are doing, why to put yourself in your customer's shoes and the importance of learning new things all the time.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media

Gerald Ratner, talks about his career, how he grew his business from 13 million to 2 billion, how he went down a long way but finally recovered, his personal habits, goals and ambitions. He also shares his thoughts about the business environment in UK and America, how to deal with agents and media as an entrepreuner and long-term investing strategies.‘Brought to you by Progressive Media’: https://progressivemedia.uk/This show was brought to you by Progressive Media