The Complete Guide to Property Investment: How to survive & thrive in the new world of buy-to-let

by Rob Dix

Fully up-to-date for 2019From the author of Amazon best-sellers "Property Investment For Beginners" and "Beyond The Bricks"Over the last 20 years, more than a million Brits have made life-changing profits from buy-to-let. But as prices keep rising and the tax landscape changes, investors need to get smarter in order to succeed.It's far from "game over," but the game is changing... for the better. The unwary and under-prepared will be squeezed from the market - leaving educated, strategic investors to have their best decade yet.

The Complete Guide To Property Investment gives you the insight, information and action plan you need to navigate this new property landscape and come out on top.

It starts by demonstrating - with real-life examples - a range of strategies suited to achieving different investment goals. Only then does it take you step by step through every aspect of researching, financing, buying and managing investment properties.

You'll learn:


How to formulate a strategy suited to achieving your investment goals
Everything you need to know about financing your investments
An exact step-by-step research process you can use to decide what to invest in
How to manage your investments
What the property cycle is, and how you can use it to your advantage
How to build a profitable portfolio for the long-term - including scaling up, surviving recessions, and exit strategies.
Whether you're turning to property to secure your retirement, start a new career or generate a stream of passive income, this book will be the most valuable investment you make.

Genres: Business, Finance, Nonfiction, Audiobook, Economics, Money, Personal Finance

324 pages, Paperback

Published January 19, 2016

Reviews

[Janette Metz · Rating 5 out of 5]

Perfect for the newbie, even for those in the US. I only found two chapters out of the whole book that didn't apply to US residents, and with a quick change of a few website names for real estate websites to the US counterparts this book is a must keep in your shelf for reference. About to read it a second time to mark it all up 😀

[Rachel Merrick · Rating 5 out of 5]

I learned lots from this! I found it to be very accessible and offer pragmatic advice (i.e., strategies) for property investment. There is also a fair amount of signposting to other free (and really useful) resources :-)

[Peter Gal · Rating 5 out of 5]

I read this book after having read the author's Property Investment for Beginners (and having been impressed by it) and this longer version on the topic didn't disappoint either. It's a very detailed and useful guide for anyone who wants to get into property investing (mainly buy-to-let, but it covers other investment formats too) in the UK (due to some of the advice being country-specific - and for those outside of the UK, it's still 80% relevant). As a bonus, it's LOL funny.

Highly recommended!

[Harry Harman · Rating 5 out of 5]

I’m a director of a nationwide letting agency (Yellow Lettings), and a bridgingfinance company(LendSwift).

propertygeek.net/extra

I’m goingtoallow for the propertybeing emptyfor twoweeks per year. it couldbe a month-long changeover everytwoyears onaverage

bridgingnormally goes upnofurther than70%. the interest rate is usuallyinthe range of 0.75%–1.5% per month,plus fees of around2% of the total loanamount

youcan’t applytore-finance until you’ve ownedthe propertyfor sixmonths (whichis whyI reckonedfor eight months of bridging payments),sowe put a tenant inthe propertywhile we wait for that dayto arrive.

There’s alsoriskassociatedwithshort-term market changes: for example,if the market drops 20% while you’re inthe process of adding20% invalue,you’re not goingtobe able toget the revaluationyouwere hopingfor.

propertyprices inthe UK have doubledonaverage everynine years (the longest doublingperiodhas been14years)

cities will as a rule experience more growththanmore sparselypopulatedareas

residential mortgages are offered as a multiple of your salary. Again, this is different from buy-to-let mortgages where (as we’ll see) your income is only a small factor, and the amount they’ll lend is basedonthe rental income the propertycangenerate.

The obvious upside of extendingthe borrowingonyour ownhome is that you canuse the cashyourelease as a deposit ona new property,allowingyoutobuy evenif youdon’t have anysavings toput in.You’ll alsofindthat the interest rate you’ll payona residential mortgage is generallylower thanona buy-to-let loan. The disadvantage is that prettymuchall new residential loans are goingtobe on a capital repayment basis.

Prudential Regulation Authority(PRA),who(as of January2017) insist that the rent must cover at least 125% of the mortgage payment–assumingthat the interest rate is at least 5.5%.

interest rate is 5.5%),your monthly mortgage payment would be £343.75 (£75,000multipliedby0.055,dividedby12toget the monthlyamount).The lender wouldtherefore want the monthlyrental income to be at least £429.68 (£343.75multipliedby1.25)

“portfoliolandlords”–whichtheydefine as someone withfour or more mortgagedproperties

usinga buy-to-let loanona propertyyouwant tolive in, or gettinga residential mortgage ona propertyyouintendtolet out, are bothmortgage fraud

there are some veryluckypeople out there on“base rate minus 0.5%” trackers who've hadyears of payingzero interest.

this isn’t just a matter of seeingwhoappears at the topof the “lowest rates” table andgivingthem a call: youneedtofirst lookat each lender’s criteria tosee whowill accept the circumstances surroundingyouand the property,thenthinkabout how muchyouwant toborrow andhow longyou want tofixfor, then start comparingthe various combinations of interest rates andfees tosee whichactuallyworks out the cheapest over the lifetime of the loan.

students canmake for verysecure tenants (you’ll normallyhave their rent coveredbya guarantor)

I recently spotteda propertythat I thought I might be able tobuyquicklywithcashthen refinance later.I pingedanemail tomybroker,andtenminutes later she toldme that (for a reasonI’dnever have thought of) it’dbe impossible toget lending. None of mytime was wasted,andI didn’t damage myrelationshipwiththe estate agent bymakinganoffer that I’dhave neededtowithdraw later.

A final advantage of a broker–a reallygoodbroker–is that he or she will be in a positiontokeepyour applicationontrackwhensomethingweirdand unexpectedhappens.

Where doyoufinda goodbroker? Recommendations are byfar the best waybywhichI meanrecommendations from investors whooperate the same kindof model that youwant

There’s alsounbiased.co.ukwhichcontains a directoryof mortgage brokers (as well as financial advisers andother professions) alongwithratings from their past clients.

Or of course,askme.I know a few verygoodbrokers,andwhile they’re unlikelytobe basednear where youlive,that’s reallynot anissue

whenbuyingthroughanestate agent,you’ll sometimes be put under pressure touse their in-house broker. get a broker toarrange a “decisioninprinciple” for you(a quick automatedcheckfrom a lender that you’ll be suitable toborrow once you’ve founda property) togive the agent confidence that you’ve got your act together andare readytoproceed.

you couldget a bridgingloanthat takes securityagainst the propertyyou’re buying and your other property,whichagainmeans youcaneffectivelyborrow the whole purchase price.Youcouldevenborrow enoughtocover your refurbfees andcosts,too–thus puttingnone of your ownmoneyin.

“the six-monthrule”. It states that youmust have owneda propertyfor sixmonths before you canapplytoremortgage it.

If youview propertypurelyas aninvestment,there’s noreasonwhyyouneedtorestrict yourself toone youcaneasilyvisit–inthe same waythat youwouldn’t avoid buyingshares ineasyJet because youhave a fear of flying.

Tofinda full postcode inanarea you’re interestedin,the easiest wayis tojust Google a shopyoucansee onthe map–its postcode normallycomes upinthe searchresult.

The lack of control you get with blocks of flats is annoying sometimes, but so are all the issues you have to deal with (and pay for) with houses that are taken care of for you with flats.

call the agent everyweekuntil theytell youthat it’s exchangedandthe deal is goingahead

proactivelytell them whyyou’re not interested, without beingunnecessarilyscathing.Simplysaying“It needs more workthanI expected” or “The thirdbedroom is toosmall for it toworkfor me” will give them somethingtoworkwith–andalsogives them anopportunitytohint that a lower offer wouldstill be welcomed,if that’s the case.

Relationships withagents take a lot of time tobuild,but canbe destroyedwith just one action.

Just because it’s inanauctiondoesn’t make it a bargain. Youcanblame Homes Under The Hammer for this one.Thanks tothis type of TVshow,there’s a general public opinionthat auctions are the place togoto pickupa bargainproperty.

checkingout the unsold lots from auctions canoffer a better returnonyour time

whymight the actual market value of one be lower thanthe other?
• There’s a railway line at the bottom of the garden and it shakes every time the 11:27from Edinburghgoes past.
• There are nightmare neighbours on one side who are always throwing rubbish into the garden and shouting abuse, making it an unpleasant place tolive. • The lease has just 50 years remaining on it, which can be extended but only at a cost.
• There’s a major works bill looming for cyclical repairs to the roof, which will be takingplace ina year. • It’s fractionally outside the catchment area of a very popular school, and the other flat is just inside.

nobodysells a propertyat a bargainprice because they’re feelinggenerous: there will always be a reason,andit’s your jobtofindout what that reasonis.

Whensurveyors conduct a valuationonbehalf of a mortgage lender,they compare the propertytoothers that have soldrecently.The idea is that if an identical propertyacross the roadsoldfor £175,000a few months ago,that must (inthe absence of anyother evidence) be the market value.

Sowhenyou’re assessinga deal,it makes sense for youtocalculate market value inexactlythe same way: using similar properties,that are very nearby, andhave sold recently

friendlyneighbourhood estate agent

Step 1: Fire upRightmove,andheadover tothe “Soldhouse prices” section. The informationis pulledfrom the official LandRegistrydata,but Rightmove is able tosupplement it withextra historical informationfrom its owndatabase.

Step 2: Enter the postcode of the propertyinquestion,select a searchradius of 1/4mile (increase it to1/2mile if youdon’t get manyresults),andselect “freehold” or “leasehold”

hometrack.com).It costs £19.95, andis basicallyanautomatedversionof the process

if your goal is tomake £3,000per monthinrental profit,youmight set the strategyof buyingtenproperties

But giventhat life is short andthe onlycertaintyis that you’ll be at least somewhat wrong,I just aim tomake sure I’m wronginthe right direction.Inother words,I make broadbut pessimistic estimates of all costs soit’s likelythat the realityis goingtobe better thanI expected.

you’ll want to“stress test” the purchase against a higher rate.The long-term average base rate inthe UK is 5%, andtypical variable-rate mortgages are pricedat 2% above base,soyoumay want toworkoff a 7% repayment rate.

As a verygeneral rule,bills tendtobe includedas part of the rent in HMOs(sometimes witha capor fair use policy)

Just tobe clear: rents are determinedbywages andlocal supplyanddemandnot by landlords.

expenses that goalongwithbuyingandsellinghouses: legal fees,borrowingcosts (if you’re not usingall your owncash),surveys,estate agents’ fees,andeverythingdown toinsurance,council taxandutilitybills for the periodthat youownit.

“How manyweeks onaverage is it takingtoget anoffer?” and“How manyviewings onaverage is it takingtoproduce anoffer?

onZoopla, youcanclick“Agents” inthe topmenuandenter a postcode tobringupa list of all the agents

PropertyBee for Firefoxor PropertyTracker for Chrome (whichcleverlyscrape the Rightmove database andinsert extra informationintoeachlisting),youcansee the historyof individual properties.

are neighbouring properties extended– indicating that it would be possible to dosoyourself if youwantedtoaddvalue?

The most comprehensive is a full BuildingSurvey(formerlyknownas a Structural Survey),whichis only reallynecessaryfor oldproperties,listedbuildings or those built usingnonstandardconstructionmethods

Another limitationis that the surveyor won’t riskdoinganythingtodamage the property(suchas liftingupcarpets tocheckfor damp),andoftenwon’t be able togainaccess toall areas.This makes a surveyprettyuseless (inmyopinion) for purpose-built flats,because theywon’t be able tocomment onthe most expensive things that couldgowrong,like the roof andthe heating.

the leaseholder has anautomatic right toextendthe lease soit will onlyexpire if theydon’t notice it droptozeroor can’t affordthe cost of extending.

The cost of lease extensionincreases dramaticallyonce there are less than80 years remaining

once there are less than60-ishyears remaining,it will become verydifficult toget a mortgage onthe property

If youwant the least hassle,a remaininglease term of at least 125years is beneficial: evenif youkeepit for anentire mortgage term of 25years,youwon’t have anyissues sellingit because there will still be 100years left.The vendor or estate agent shouldbe able totell youthe lengthof the lease at the outset before youmake anoffer,andyour solicitor will checkit as part of the conveyancing process.

he arrangeda “deedof variation” withthe freeholder toget it amended

- If it’s some form of protected tenancy (as opposed to a standard assured shorthold tenancy), you could have major issues with removing the tenant or increasing the rent. Even if it’s an assured shorthold tenancy, the specific wording of the agreement couldgive the tenant rights that you’re not happywith.
- The certificate that states where the tenancy deposit is registered. If the correct process hasn’t been followed, this could have repercussions for you too.
- Rental statements showingthat the tenant is up-to-date withtheir payments.

the most profitable opportunities are usuallywhere there’s some kindof refurbishment workthat needs tobe done.

The planningportal I just quotedfrom has a useful list of commonprojects that require buildingregulations approval: planningportal.gov.uk/permission/comm...

I’ve hada mortgage application heldupinthe past because I’dinstallednew windows andthe fitter had forgottentogive me the certificate.

I alsoaskfor that quote tobe brokendownintolabour andmaterials

Bigjobs (whichI’dpersonallyclassifyas beinganythingover a couple of thousandpounds) deserve a contract withclear specifications,dates,figures and provisions for whenthings gowrong.The Federationof Master Builders has put together a template that youcanjust print off andfill inthe blanks (homeextension.co.uk/fmbcontract.pdf)

The other classic mistake is toimpose your personal taste onthe property,which is aneasyone tofix: don’t doit.If youlookat the units ownedbyprofessional investors,theytendtolooklike identical beige boxes–whichtheyare,because that’s what rents fastest andcreates the least hassle.Paint shouldbe a variant of white,carpets shouldbe beige or cappuccino

Youcancreate a dashof colour withcushions,andthrow inthe odd plant tomake it lookwelcoming

make sure you’re a constant presence.Be onthe phone everyday,andonsite as oftenas youcan.Don’t get inthe wayor be prematurelyaggressive,but doshow throughyour actions that you’re ontopof things

Overseeingthe project alsomeans keepinganeye onthe time andthe budget. Let’s be real here: the likelihoodis that your project will goover time andover budget.The solutionis tomake sure you’ve factoredthat infrom the start.

Whenit comes tomanaginga property,youneedtomake a decision: are youa landlord,or are youaninvestor?

Whenyouissue a tenancy,you’re grantinglegal rights tothe propertythat supersede your own for as longas the tenancyagreement lasts

Issuinga tenancy,then,is verydifferent from havinga lodger,or allowinga friendtostayonyour sofa,or evenhavinga holidaycottage where there’s a contract that allows the visitor tostayfor a fortnight.Those are all contractual relationships rather thantenancies,soif youwant the persontoleave andthey refuse,youcouldimmediatelyattempt toget the police toremove them. AlthoughI haven’t triedit,this is what wouldhappenif yourefusedtocheckout at the endof your stayina hotel room.

Firstly,under anAssuredShortholdTenancy(AST)–the type that’s now usedin almost all cases–youhave certainobligations as a landlordthat can’t be wriggledout of.These include providingfacilities for heatingandhot water, adequate drainage andsanitaryinstallations,andmaintainingthe propertysoit’s free of serious hazards.Youmust alsogive your tenant “quiet enjoyment”,which means youneedtogive at least 24hours’ notice of visits tothe property.

If you consider your time to be worth £100 per hour, then a letting agent’s monthly commission of £50 (based on 10% of £500 rent) is a good deal as long as it saves you at least 30 minutes per month.

Wecharge a “tenant find” fee of £250,whichcovers takingphotos,marketing the property,handlingincomingenquiries,visitingthe propertyas manytimes as is necessarytofindanapplicant,thoroughlycheckingtheir references,drawing upall the paperwork,dealingwiththe deposit,conductinga full inventory, movingthe tenant in,andinformingthe council andutilitysuppliers.I’d estimate that doingthat myself,if it tooka single viewingtolet the propertyand I livedonly15minutes away,wouldtake at least five hours of mytime.

anyone canstart up a lettingagencywithout anyqualifications or experience

youas the property owner remainlegally responsible for everything theydo.Soif theyfail tobookina gas safetyinspectionor “forget” toplace the tenant’s deposit ina recognisedscheme,that’s an“oops mybad” for them

if you speak to a landlord who’s had multiple properties with the same agency for a number of years without complaint, you’re onto a winner.

agencies that started off by managing the founder’s own portfolio are often run along more professional lines. If some of the staff are investors too, all the better–they’ll understandyour needs perfectly.

Ask if the agent is a member of a redress scheme, like The Property Ombudsman.If not,move on: it’s beenmandatorytobe a member of sucha scheme since October 2014

does the agent list their fees on their website and in their marketing material? This has been a legal requirement since October 2014

advertise the propertyonthe portals yourself for £50100(via a service like Upad)

andyou’ll findall manner of companies whowill undertake a full reference for around£25.This typically includes checkingtheir identityandverifyingtheir current address,searchingfor adverse entries ontheir credit file,checkingaffordability,andtakingup references withtheir employer andprevious landlord

I’dsaythat the most valuable members of your team are a reliable jack-of-all-trades handymananda plumber/gas engineer: the most common problems I come across fall under the categories of leaks,hot water problems and“general stuff”

Unless you’re operatingat the kindof scale where youcan offer someone somuchworkthey’ll never fail topickupthe phone toyou, I recommendusinga site like mybuilder.com or checkatrade.com

For those random tasks that require anin-personvisit,there’s normallya waytofindsomeone else todoit.InLondonthere’s taskrabbit.co.uk, nationwide there’s gumtree.com,or youcouldtrypostinga request ona local message boardlike streetlife.com.Youcouldevendecide tooutsource periodic inspections inthis way,bysendinginsomeone armedwitha simple checklist andaskthem tosnapphotos ontheir phone of anythingthat looks important.

I keep myside of the bargaininprovidinga goodhome andmakingrepairs promptly, andI expect the tenant tokeeptheirs inpayingthe rent as agreed.

Anice optionis totake payment bydirect debit usinggocardless.com.Yousend the tenant a linktoset upthe arrangement,youget confirmationthat it’s beenset up,then–andhere’s the clever bit–youalsoget a notificationif the arrangement is cancelled.The fee is £2per payment

Where possible,it’s actuallybetter tocommunicate byemail.

epcregister.com tosee if the propertyalreadyhas one.

Inspect the condition of the property regularly (at Yellow Lettings we do it six weeks after move-in to make sure they’ve settled in, and every six months thereafter).

Checkthe smoke detectors andcarbonmonoxide detectors oneveryvisit.

rent guarantee insurance (RGI)

Takingout RGI alsomeans youcanaffordto holda smaller reserve fund: rather thanpotentiallyhavingtomeet eight months of expenses withnoincome

At Yellow Lettings we have a bespoke policythat takes effect the daythe rent becomes late,withnoexcess at all–soI benefit from that,as doall our landlords.

Another type of insurance of whichI’m a definite fanis emergencycover. I use Surewise (surewise.com)

as an individual you can use your annual capital gains tax (CGT) allowance so you’re not taxed on the full amount of the gain. A company doesn’t have a CGT allowance, so would end up paying more tax than an individual whensellingthe property.

Expenses fall intotwodifferent categories: capital expenditure,and revenue expenditure.

Capital expenditure can’t be deductedfrom your profits inthe year inwhichyou incur the expense.Instead,youcanonlyreclaim these costs whenyoueventually sell the property.

Everythingthat doesn’t fall under the categoryof capital expenditure is automaticallyrevenue expenditure instead.Revenue expenditure is muchmore like it: youincur a cost today,andcanimmediatelyoffset it against your income.

Let’s saythe refurbishment consistedof replacingsingle-glazedwindows with double glazing(not consideredanimprovement,because puttinginsingle glazingnowadays isn’t anoption),replacinga grottyoldbathroom suite (an improvement aestheticallybut not functionally,whichis critical) andgivingthe whole place new carpets anda lickof paint.Those changes might allow youto increase the rent,andmight evenincrease the value of the propertyif youever wantedtorefinance or sell it on–but nevertheless,they’re “revenue” innature.

if the refurbishment includedanelement of capital improvement too,youshouldtrytoget any tradespeople toseparate out their invoices tokeepit neat.

The most successful propertytraders,meanwhile,are thinkingabout the sale from the verybeginning– while they’re still decidingwhat tobuy

if youbuyinan area where there isn’t muchowner-occupier demand,you’ve alreadyput yourself at a giant disadvantage.

Whenyou’re planningyour refurbishment,everypoundyouspendshouldbe targetedat improvements that will induce a potential buyer topaymore at the end.

[Abin · Rating 4 out of 5]

A comprehensive coverage of the property investement scene in UK. Recommended.

[Lucas Teixeira · Rating 5 out of 5]

This book is fascinating!

I’m a total property investment noob and always wondered how people managed to get into it (from a cash perspective).

Rob does an amazing job explaining how it works, what current laws in the UK are (although he mostly focuses on England), what kind of strategies you can employ depending on your risk profile/goals, as well as all the benefits and downsides of property investment.

If you’re curious about property in the UK, definitely buy this book. Even if you’re only looking to buy a home, the information in this book is gold.

This makes me wonder whether there are similar books for other markets.

[Mike Conroy · Rating 5 out of 5]

This book does exactly what it says on the tin. It is a thorough guide to property investing in the UK starting with the different strategies available, the options available based on your capital to invest, financing strategies, mortgages, property management and a section on taxes.

It goes into a good level of details for each topic and I would recommend it to anyone interested in investing. Rob's site is worth checking out as well propertygeek.com which contains many articles with similar information that is in the book.

[Goran · Rating 3 out of 5]

The book has some god guidelines but completely oriented to UK. I can fully recommend it if you are from UK but not so much if you aren't like me.

[Andrei Manta · Rating 5 out of 5]

Really good introductory guide for beginners

Decided to read more about property investing after reading Rich Dad Poor Dad, and this was a great introduction. It's full of valuable real world examples and advice, and gives a great overview of things to keep in mind before and when investing, from buying your first property until what's called the 'Exit'. Surpassed my expectations. Recommended.

[Jay · Rating 5 out of 5]

Interest in property? Don’t delay in reading this!

For those who have an interest in property then this is a must read. Sounds obvious as you probably wouldn’t be looking at this book if you didn’t.
But if you like the idea of investing in property but don’t know the fundamentals or how to get involved then this really is for you. You will gain a more complex understanding of property investment by Robs easy to understand explanations. You will not want to put it down.

[Enda Hackett · Rating 5 out of 5]

Excellent overview of property investment. Sound be compulsory reading for all homeowners/potential/current investors. Although not covered in-depth there is enough engaging content to satisfy the inquisitive mind. Very valuable information presented in an enlightening manner. Congrats to the Author.

[Tony · Rating 4 out of 5]

A good summary of property investment

Very useful guide for those considering to investing in property. It is a summary of the process from goal planning to renting a property out and being a landlord. I would recommend further reading before investing but this is a very good way of gaining base knowledge.

[Mrs A C Hutchins · Rating 5 out of 5]

Solid, dependable and readable

I love learning about property investing and Rob Dix’s book is such an easy read I finished it in no time. It covers all the major areas you need to get started on your property portfolio. I also love the property podcast which covers everything in the book if you listen to the whole back catalogue. Thanks Rob.

[Jarl Friis · Rating 5 out of 5]

Very informative and highly educative. Going through all aspects of property investing. It is written by a UK investor and whatever is country specific is specific for UK. Definitely worth reading if your are going to invest in property (in UK). Highly recommended. Full of references to further free online resources on https://www.propertygeek.net/

[Dean · Rating 5 out of 5]

Audiobook: As someone wanting to learn more about property investing in the UK and what’s involved, this was a great listen with loads of information. Definitely a good start and to build on a base knowledge. It also has extras to be found on their website. Very good book that I’ll be coming back to to reread/relisten and make sure I take in as much as I can from it

[Jobright Peter · Rating 5 out of 5]

Excellent introduction to property investment

An excellent introduction to property investment. It touches all aspects of buy to let and buy to sell investing, going into a lot of detail in some and giving essential info & directing the reader to research further on others.

[henni younes · Rating 5 out of 5]

Two thumbs up!

This has been the most engaging book for property investment. It’s one of those books that you can hardly put down once you started reading it. There’s so much knowledge poured into this book. Highly recommended!

[Amira Haque · Rating 5 out of 5]

I learned so much

I never realised what the risks around property are. This was a complete guide on how to approach every stage. I am now well informed about how to address tax issues, where, when, how to buy a house and what strategies are there to be used.

[Thomas.M.Small1991gmail.Com · Rating 5 out of 5]

Brilliant book - Easy read

Easy read, informative and very very good writing. I was extremely impressed. I’m buying my first investment property with an offer accepted recently due to this book.

[Linford Copeland · Rating 5 out of 5]

Game changing read

Great read! Reads like having a conversation with normal person whilst crammed full of nuggets of information. This has changed my perception of, and opened my eyes to the world property investment. High recommend this to anyone and everyone!

[Momchil Kolev · Rating 4 out of 5]

Practical and down to earth

A great introduction into the world (specifically England, but can be applied more generally) of real estate investing. An easy read full of sensible explanations and examples.

[Edward Miller · Rating 5 out of 5]

Very well written and actionable

Very well written and actionable book. Getting into property investment and really enjoyed it! Would recommend to friends interested in this in the UK setting.

[Kiren · Rating 5 out of 5]

Does what it says at the front. Comprehensive overview of the different areas of property investing. Starting from looking at buying your first property all the way to looking at selling your portfolio when closer to retirement.

[Sokcheng · Rating 4 out of 5]

3.5 stars just because it's not completely relevant to my location as I'm not living in the UK.
However, it's still full of useful concepts and formulas to make sense of the property market everywhere.

[Ms Pamella E Morgan · Rating 4 out of 5]

Review

I found it interesting and practical for a beginner
In property investment.
I don't know how much I will retain.

[Gina J · Rating 5 out of 5]

Great read to anyone interested in property investment or landlord! After reading this book I found out about their podcast which is really informative! You got to Love the Robs!

[Rob Sedgwick · Rating 5 out of 5]

Great intro

This is a very accessible, informative and even entertaining read, but what I would expect from such a "dry" subject. His advice seems to make a lot of sense.

[Aled Burton · Rating 5 out of 5]

Listened on Audible. Very good and i must listen again and get the physical copy.

[Catrin · Rating 5 out of 5]

Great first book, covers a lot generally but you need to find other sources to investiagete strategies in more detail. listened on audible but wanta physical copy now for day to day reference

[Jesse · Rating 5 out of 5]

Inspiring and accessible

This is broken down very well, and seems it can be of use to anyone. Not used in the real world yet, will update review when I do.