Ajay Ahuja

House prices rose in June

I bet you are getting bored of this! House prices rose in June and rose 3 out of the last 4 months. What do you make of that Well lets not read in to it too much as purchasing activity is at record lows but it sure is a signal that we are at rock bottom. Trust me I want it to get lower but I do not think I will get my way. So prices are low. This

4 new seminar dates added

iframe, p, td fontfamily: Verdana, sansserif a backgroundimage: urlcomponentseditorimageseditorimagesanchorsmall.gif backgroundrepeat: norepeat backgroundposition: left backgroundcolor: lightyellow paddingleft: 16px marginleft: 4px a:active, a:visited, a:link background: none padding: 0 margin: 0 document.write http:www.ahuja.co.ukpromofreeseminar I

End of limited offer

My limited offer is coming to an end. By midnight Wednesday the 1st of July my full membership package is being priced upwards from �429.99 to �999.99. The good news is you can still buy it for �429.99 until then. If you want to take advantage of this offer please Buy Now. Or if you want to find out more about the package visit the information page or simply request a

Google thinks we are number 1

It is great when we get told we are great by our clients and we love the positive feedback as it drives us further to go out and get those deals. Now Google think we are great. For the following search terms we come up number 1: Cheap property Investment property No money down Now if there were 3 terms that described what my organisation get up to i

70 per cent bmv

There are a lot of deals about because of the credit crunch. Here we can get 40% BMV. However in the USA you can get 70% BMV!!!! The simple reason is no finance. Because there is no finance pries are surpressed. Once finance comes back prices boom. If you like taking a risk and want an extremely high return on your money well over 100% then have a look at our USA pr

I have 9 offers in the pipeline

For those who want to follow my buying frenzy read on. My offer of �6k got rejected and I was politely told to attend the auction if you want to bid. I am not buying at auction just yet. Not until I have access to guaranteed finance and I can afford to make some mistakes. However I still have 9 purchases on the go. My cheapest property is a 1 bed flat which I have o

Avoid trackers, but only some of them

I do not know if I am stating the obvious here but can youplease try to avoid trackers that are greater than 3% above base. Lets just say the rate offered is 5%. Seems harmless does it not Well no actually. It could be 4.5% above base tracker. So when rates go back to normal which theywill do at some point you could end up paying over 10%!!!!! Now if you bought a 10% yielding property, as muc

I have had 2 offers accepted!

To say I am excited would be an under statement. I placed an offer of �25,000 on a property that I came by on Rightmove and to my surprise it was accepted. I offered full asking price and it was accepted. Now I am sure you are thinking hang on a second he bid the full asking price it should get accepted. However I have tried to buy over the last few months and not

People hate us buy to let landlords

We are: Greedy Money hungry Lazy Capitalists That is correct AND we are proud! I want: More money for me and my future family So I can have: More time for me and my family That is what buy to let is really all about. It is not about nice cars, house to live in aqnd other fancy

Can you get it wrong?

News on the street is that the estate agents are going to get flooded with repossessions. Banks are going to get tougher and they are going to force people out of their homes and kick out amateur landlords. I am not sure that this will be the case however all the data is pointing to this outcome. It got me thinking. These banks who lent to the amateurs have l

48 hour offer: Get the full package for only £175

I have had to fight hard for this offer I am bringing to you now! This offer is open for 48 hours and this is what you get: My full 7 CD, 3 DVD, 1 Data CD Training Programme with Scientific Calculator, MP3 Player PLUS 4 of my best selling books Lifetime access to my training seminars Lifetime access to propertyhotspots.net All for �174.99 �40 PampP.

BBC2 Property Watch

I loved this program! The best bit was when you had the buy to let king not me! Andreas Panayiotou worth �500m sitting next to a Professor from Warwick who said prices were going to crash by 30% in 2003!. The presenter asked Andreas: quotAre you worried that the professor said prices are going to crash a further 10 to 15%quot quotNot one bitquot Andreas replied! And of course not.

Nationwide report a house price rise

Not a rise of 0.1%. No. A rise of 1.2%!!!! It still baffles me. Because I am so focused on the bottom end of the market where a 100% increase of a �20,000 property to �40,000 would not even impact the national figures, I still do not fully understand the first buyers mentality. Are they smart Are they not Do they know it is bargai

95 per cent mortgage from Lloyds

Is the credit crunch over Well here is an innovative product from a MASSIVE lender which could show signs that it is melting. I was watching Working Lunch yesterday and Lloyds were on there talking about their brand new never seen before first time buyer product. It is quite an amzing product. Here is how it goes. Mum and Dad want to help Son get o

The light is on amber

hi ajay, My team have had their eye on a portfolio in Scotland which has been lurking in the background but never actually come up for sale. Landlords can be a peculiar bunch trust me, I know I am! but we have been given the amber light to say he is ready to sell! Now we have got an exclusive on these deals. He has not told us how many he owns but I reckon it is 80

Can you really do bridge and remortgage

Short answer: YES! Even in these times of credit crunches, low mortgage approvals, credit scoring and basically an unwillingness to lend you can still do a same day remortgage with CERTAIN lenders. Not your usual Birmingham Midshires, Mortgage Works etc. The real lenders that make the landlords in the know very rich. The way you become ri

This is the worst crash for over 50 years!

Did you know the famous crash of the early 90s was a 12.7% decline from peak to trough Does not sound a lot does it Especially when everyone goes on about it so much. Prices fell from �70,247 in May 1989 to �60,965 in July 1995. The decline from peak to trough today is 22.4%. Thatrsquos �199,612 in August 2007 to �154,716 in April 2009. Couple this with the

Interest rates to be 0.5 till end of NEXT year

Interest rate rises are a long way off say the analysts. They expect as a minimum rates will be held to 0.5% till end of next year. I hope they are right! Now I do not wish the recession to last but it is hard not to. Especially when you are a highly leveraged buy to let investor. So if you are wondering where to get deposits or fees for your next

The irresponsible responsible matrix

I watched BBC2 property watch last night and the term came up with: Irresponsible lending And it got me thinking. There are 4 types of lending: Responsible lending to responsible people This is what we are currently seeing now. People with good credit getting low LTV mortgages on good properties. Lenders are licking their wounds so at best this is

Bad news

Licensing for landlords is coming in to force. The communities and local government dept has confirmed they are going ahead with the scheme. Oh dear. Another bit of red tape for us landlords. No use fighting it. We just have to get one. It was about time anyway since they have it in Scotland now in England amp Wales. If you were losing faith in

Buy to let fever is catching (ITV)

ITV are looking for landlords who have invested in property as a way of obtaining a pension. They are looking for guests to interview couples in their mid 50s who are choosing to put their money in property rather than pension companies, banks or stock market. The programme will be aired in a few weeks and guess what: interest in property will grow eve

I have a very interesting question for you

I am always intrigued by peoplersquos drive and ambition. I have been thinking and you can split people in to 4 types when it comes to financial ambition: Not bothered. So not bothered either way whether they have money or not. Life is too short to worry about money. There is much more to life than money. Want a minimum standard and then not bothered.

I have sent my army out

www.propertyhotspots.net Did you know I had an army Well I do! I call them my eyes and ears of Ahuja Holdings. I have what we call internally as Reps. They do the viewings for my properties, deal with tenant problems and are pretty much on call for anything my team need doing on my property portfolio. Now these reps have been working fo

How to improve your credit rating

Now there is a lot of speculation about how to do this. Whatever you do do NOT pay anyone to do this for you. The only way you can do this is by YOU doing it. So the standard things you can do is pay off any CCJs within 1 month of them being registered, pay your repayments on time and in full etc. Real obvious stuff. Now here for the stuff I have

The number of buy to let mortgages is up!

I keep on getting positive news which to me is signalling some kind of recovery. I do not want to jinx it but you just canrsquot help notice the pointers. Mortgage Introducer Magazine has announced there has been an increase of 58% of buy to let mortgages from December 2008. Now this magazine actually talks to the lenders. Not opinion of the mortgage

What fixed rate would you go for?

If you could get a 5 year fixed rate what would it need to be for you to switch I have to say I am getting seriously tempted. I was on CampGrsquos website or one of the majors and they had a 5 year fixed at 4.79%. Now currently I am with northern rock on my residential and I am paying 4.79% so call me short sighted but I feel no real urge to switch.

House prices to rise at end of year say Lloyds

Donrsquot you just love the speculation about prices At the start of the crash it was prices will fall through 2009, 2010 and will start to rise by 2011. Now the latest is prices will fall only a further 6% and then rise at the end of the year. They believe the worst is over, the rate of fall has slowed and the recovery is in sight. Now look. I am on

The first 100 packages are in

My complete package is now ready. I have waited a long time for this day. You can get: The full training programme of 7 audio CDs, 3 DVDs, 1 Data CD, MP3 player and headphones and Financial Calculator worth �699 Lifetime access to my monthly full 1 day seminars worth �1,999 12 months access to propertyhotspots.ner worth �858 Lifetime access to my BM

Another licence for landlords

I suppose you have heard all the news about the English government thinking about introducing a licensing system. I fully know what it is like to be a landlord under this system as you need a licence in Scotland. Now I am not sure if this is the purpose of the licence but this is what it does to you: IT PUTS THE WIND UP YOU! I am not sure if that is a saying o

I visited the seminar training centre today

I had a nice meeting today. I viewed the training centre where I will be holding monthly seminars for my clients and I have to say I was impressed. The training room is nice and cosy and the menu for food looks great. And get this. If you want to stay over I have negotiated them down on their room rate from �50 down to �25!!!! That is for single occupa

The bridge and remortgage deal has been done

I have got the email and it has been confirmed: We can do bridge and remortgage with FOUR lenders! The LTVs and rates are not as good as I thought but hey you cannot have everything. You can get: Up to 70% LTV Rates from 3.5% The good thing is you can buy. When I was building my portfolio I did a deal with one bank where th

80% LTV mortgage on its way

Roll up Roll up! Get ready for 1st July when a major lender is releasing the first 80% buy to let mortgage. They are busy recruiting to cater for the enormous demand that will occur once released. So this will mean: Only 20% BMV needed to get a low money in deal Only 25% BMV needed to a no money down deal Only 30% BMV to get a cashb

Banks still not lending enough

One thing I am sure of now. There is big demand for property by us the potential owners. This includes first time buyers, second time buyers, third time buyers, down sizers, upsizers, landlords and sarah beeny wannabes! One problem. Lack of finance. So take 12 months ago. No buyers and no finance. The only buyers were nutters like me and you

My 3 bridge and remortgage buy to let lenders

I had a very interesting meeting with my broker Liz yesterday. She is just in the process of dotting the is and crossing the ts on 3 lenders who can offer the following buy to let mortgages: Min value �33,333 No 6 month rule so bridge and remortgage possible Rates from 2.5% yes 2.5%!!!!! 75% LTV So if you can find a deal that will value at �33,333 and y

Read my books for free

Did you know you can read books on google for free Well you can. The catch is: They remove some of the pages! They do not remove that many pages so you can the main story of what the book is about. It is an excellent way to lose an hour just reading books on the internet. You can read my Beating The Property Clock book right now. Enjoy!

Sorry I have been a bit quiet

Sorry I have been a bit quiet over the last 10 or so days. I have been building a training program for people who want to learn more about investing in BMV properties. I have realised that there are some of you out there who want to learn more before they commit to buying any property. So I have developed a home study course comprising of 7 audio CDs, 1

10 discounted client spaces available

If you have been wondering whether to get in to investing in Below Market Properties then this might tip the balance. I am discounting my joining fee to �249.99 from the original �375.00 fee for the first 10 people that sign up before 5.30pm Friday 10th April. It is my preeaster bargain. As a client you get: First ref

Some good news and some bad news

Now I should ask you which one you want first the good news or bad news Well since you cannot answer I will start with the bad news as it is good to get it out of the way! Bad News: Interest rates are not going to ZERO Good News: Interest rates expected to be 0.5% well in to 2010 said Howard Archer, chief UK economist

This deal will make you jealous

We found a deal for a client where the following happened: 1. The client reserved this deal and put a total of �6k in. 2. He completed in October 2008. 3. The mortgage we found him reduced down to �88 in March 2009 4. The property is let in April 2009 for �475 5. The client now makes �380 profit per mon

Nationwide reports house price increase. Are you s

Halifax have reported one in Jan 2009. Rightmove reported one in Feb 2009. Now Nationwide have reported one in Mar 2009. Read it now! Get used to it! House price rises and the reporting of them I think will become common place. The question is will they creep up or shoot up Do I care Well I used to say I did not but now I am a little bit worried. If p

I was watching BBC4 yesterday

I was watching a documentary about Japan. An English guy had been living there for a couple of years and he was giving his view of what life was like in the real Japan. I thought I would watch it as we make such comparisons to Japan about: 0% interest rates 10 year recession property price decline and how we coul

FT reports on buy to let

Is the positive news finally emerging FT reports on landlords INCREASING their portfolio http:www.ft.comcmss0701c76081cb711de977c00144feabdc0.html The Times are reporting that the housing market has turned a corner http:business.timesonline.co.uktolbusinesseconomicsarticle6001337.ece These two stories have been released today. Other news networks s

Who are defaulting. It is not us

The banks are suffering because: Commercial Property Companies are defaulting as business premises such as offices and warehouses are sitting empty or leased pubs lack any sort of trade as supermarkets are killing them. They bought toxic loans written in the USA which are not worth the paper they are written on. The borrowers in the USA are si

Investors have an advantage over first time buyers

There has been a full 180 degree turn between the two of us namely first time buyers and investors. 2 years ago first time buyers had access to all the lovely high LTV finance. 125%, 110%, 2nd charge lending etc. they could out bid us and refurb it better than us as they had more to play with. Now fast forward to now. Investors and first time buyers h

Non-Rightmove estate agents and sub 25k propertie

Did you know that Rightmove only has 90% coverage of estate agents in the UK This means there are 10% of estate agents that do not pay Rightmoves listing fees. Did you know that we know the nonRightmove estate agents Well we do! It is these smaller agents where we get a lot of our stock from. 10% of the market is a big chunk. Especially when these sort of agents specialise

City experts get it horribly wrong

They predicted 0.8% and it came out at 0%. Also the inflation stat that does not include housing costs ROSE and was unexpectedly higher than last month and well above the government target of 2% at 3.2%. The moral of this story is no one knows! And it got me thinking. Does it really matter What is being reported is Macro economics. This is the economic

Buy to let is going to get more difficult

The FSA is after us. The EU is after us. Soon it will be US congress! Us being buy to let landlords. FSA are thinking of regulating the buy to let mortgage market. EU are planning to restrict lending practices to anyone who wishes to buy a home to rent out. It is complete madness. They are trying to pin the US

A nice deal came to me via text

One of my sourcers contacted me via text and it went something like this: quot3 bed flat, fully refurbished, �21,000, do you want thisquot My answer was: quotYesquot I have 2 flats in this area and even though they are difficult to let the LHA rate for this flat is �500 per month. For those of you who only speak in yield

Asking prices up again for the second month runnin

I am not sure if it is obvious to you but it is to me. Rightmove reported a 0.9% rise in asking prices. So in aggregate if you added up all the asking prices and divided it by the number of properties for sale the asking prices have actually RISEN. Does not sound like a falling market to me! The thing is no one needs to sell. In fact if anyon

My month end reporting is in

Last month was a better month than the month before! We took on more clients and sold more properties. The average BMV we were able to get was higher than normal which means we are: a able to drive a harder bargain b getting there before the others How long we can keep this up is unsure. The market does not show any signs of any bounce back in the n

House prices to fall 55 per cent, so they say

These were the headlines and boy I hope they are right! If property prices were to fall by say 50% then that means everything you see now for sale could be bought for half price. A �50,000 property could be bought for �25,000. This means if it yielded 10% it will now yield 20%. If we look at borrowing rates predicted over the next 2 years the

This is a true story

I got a lovely email today from one of my clients and Ill explain why. I got the following email: Hey Ajay...just a quick one to say... WHAT A BRILLIANT JOB BEN AND THE CREW HAVE DONE!!!! Bought Feb013...UNSEEN...and we really didnt know what to expect driving up to west yorkshire from the midlands... Feb13 proved to be a little gem of a place...tired and damp

Always be in debt

You have to feel sorry for all those savers who have saved hard and been sensible with their money even though they should have invested a bit at least! who now earn next to nothing on their money. However the fact is there is more debt than capital. So low rates people in debt survive and savers have to eat in to their capital. When there are

Get 6 of my books 4 Free

For the first 7 people that become a client I am offering for free: My best 6 books including The Buy to Let Bible, Beating The Property Clock, Hotspots Around The World, 7 Pillars Of Buy To Let Wisdom and Investing in the Student Buy To Let Market. The above freebies are worth over �75. If you are wondering what you get for being a member of the Ahuja Group then quite simply:

Some of my pages are getting viewed a lot

I was looking at the traffic statistics for my site today and there are 5 pages that are getting a hell of a lot of views: I know why this is. It is because these pages can make you rich for free! Quite a statement but true. These pages list all the properties on the market less than �60,000 and all HMOs less than �90,000. They update every 30 seco

Barclays is next!

You could not even dream this stuff up! Barclays is going to get a bail out it is rumoured. This means another big bank will fall in to the hands of the government. This will mean MORE loans for us and the credit crunch coming to an end. The only last one to go is HSBC. It has already gone to its shareholders with its begging cap. If this do

Am I qualified to give you such investment advice

I do give a lot of advice to my readership. However it could be a whole load of rubbish! You are right to think this as I do read a lot of rubbish on the internet and you are right to be sceptical. So how do you determine what I say is worth anything Firstly I have been there and got the Tshirt. I started with nothing and I have a portfolio of 200 prop

New class divides are forming

I was just on Lloyds TSB site and even though the rates appear to be sensible at around 5.29% they are actually a bit of a rip off as it is 4.29% above base. 12 months ago even adverse buy to let was not even that high! If you were heavy adverse you would end up paying around 3.5% above base. Now if you have a squeaky clean credit file you will struggle to get

The market is going to get flooded with cheap mone

News is Gordon has commanded that the Lloyds group lend �28,000,000,000 over the next 2 years. Considering Lloyds have a policy of charging no more than 2% above the base rate it means that we could see a whole load of cheap money flood the property market. I am not sure who they are going to prefer lending to. I hope it is us investors. However we all have to

Why are there so many grammatical errors

I was surfing around and found a posting that was talking about me and my articles and how many spelling, grammar, punctuation and capital letter mistakes there are. The reason for this is because I am an investor. I think in numbers. I write my articles quickly and just bang them out. I write them in word and usually the spell checker picks up most however some

Do you really want to carry on contributing?

At the time of writing this article the FTSE has hit a 6 year low. Lower than October 2008, the peak of the banking crisis. Are we at a new crisis I know a very obvious crisis Pensions! I have never been a fan of these things. You hand over money to this company who gamble your money with the hope of giving it back to you until you die. Madness.

Working backwards is the way forward!

Can I ask you 2 questions: how much do you want and by when If you do not know then shame on you! Get to know it. You should be eat, breathe and sleeping the answer to these two questions. Let us just say you are an ambitious kind of person and you earn �5,000 per month and you want to earn twice your salary in 5 years from property investment. Then working

Lending drops 90 per cent

Some strange stats are coming out at the moment. Lending has dropped from �6.9bn to �690m for the month of Jan if you compare last years with this years. I am a great advocate of the phrase the figures never lie. What we can see that if the number of transactions has not fallen by 90% which it has not then some big cash buyers are back in the game! Obvio

Bridge and remortgage is back

For those who know what this buying process is then I am glad to say it is back. I spoke with my commercial lender in London and they can offer me 1 day bridge and remortgage on anything I buy with no minimum or maximum purchase price at 70% LTV. To say I was excited would be an understatement! I have personally placed offers on 82 flats! 42 in Helensburgh in Scotland

How I got in to property

I went to my sisterrsquos yesterday to meet up with the rest of my family. My partner Hana loves chatting to my Mum about stories about me and she happened to tell her a story about me buying these florescent fish tank lights and selling them on. I was in my late teens early 20s when I went to a Boot Sale and saw these florescent tube lights for sale for 5p each. He had a bo

Low interest rates attracting back cash buyers

It is now being reported that buy to let is making a comeback did it ever go away. A recent article in the Times has stated that cash rich people are fed up with the potential devaluation of their cash due to saving rates not high enough to even keep up with inflation. Yields of 4 to 5% are attractive to these people! Little do they know of low value high yielding

Rightmove report a rise in house prices

Asking prices up 1.2% While we are being told that the property market is completely shot yet another bit of data has come out to support the opposite. Rightmove have said asking prices have risen by 1.2% in the month of February. This is completely against the trend of what we are led to believe. Also the number of properties placed on the

Interest rate envy. A new phenomenon?

Interest rates are going to fall to 0.5% next month maybe even to zero. I ahd a chat with one of my university buddies who is also an investor like me and he told me about his residential mortgage: 0.28% discount to bank base rate. So he is paying �300 a month to live in a half a million pound house! I say good on him. But if he

Long term investment vs short term bets!

One attribute you need if you are going to embark on property investment is: Patience Yes you can get rich quick in property if you take extreme risks and catch the market right. However that is luck. When I started investing in property in 1996 I had no idea we were going to get one of the biggest property booms in history. All I thought

Is it all over?

I would love to say it is over. The government has definitely attacked this problem head on so you can give them 10 out of 10 for effort. Attainment might be another score which we have yet to find out. Over the past 6 months we have seen: rates dropped to near zero never seen before printing of money never seen before every MP, ci

My Scottish solicitor had something very interesti

I spoke to James, the senior partner of the Scottish firm of solicitors I use when buying in Scotland. He told me something that had my heart pumping with excitement..... Get ready for it..... We can do No Money Down in Scotland! This is such exciting news for 3 reasons: No money down schemes that work in Scotland is VERY rare The yield

Development finance and venture capital now availa

I I have had a very interesting chat with one of the brokers on my site. He specialises in placing funds from wealthy individuals and private equity firms mostly located in the middle east to people like you and me! They are happy to lend the money if you offer them some of the upside. So forget trying to convince your bank with 3 inch thick business plans.

Are you the next slumdog millionaire?

1996 to 2007 was the era of capital growth for landlords. The professionals right down to the amateurs all experienced that nice feeling of making money without actually doing anything. If anyone is a home owner they will know what I am talking about. It was one of the main allures of buy to let over that 11 year period which you could call the buy to let

Lets do the numbers

Let us just say you are someone who wants it all. You only want the best deals in the best areas with the best cashbacks! The Ahuja Group is in a massive growth phase. By the end of February we will have 4 full time sourcers and 10 3rd party sourcers all looking for properties for the Ahuja Groups clients. Now we look in very specific places and consult specific

My answer to the credit crunch

If the banks are refusing to lend to us why dont we lend to each other I know it sounds crazy but I have built a system where you can either be: a borrower wanting to borrow cash join now a lender or broker wishing to lend cash join now So if you need to find that �5,000 to put down as a deposit for a deal then visit AhujaFinance.com post your details and then wa

Recent Case Study

Daniel had a portfolio of 14 properties which were doing quite nicely. We had actually sourced him 4 of these back in 2005 in Scotland and still owned them. He is based in Yorkshire and had his portfolio spread around the North and Scotland. Daniel got back in contact with us around 6 months ago August 2008 as he wanted to top up his monthly cashflow as

Are you committing mortgage fraud?

When you purchase a property and you put no money in are you sure you are not breaking the law. I have seen many schemes that are not being carried out correctly. Lets start with the deposit. If your scheme provider is placing the deposit in the solicitors client account on your behalf without the proper paperwork then the deposit is treated as a gift and

My mission for us all

It is fairly simple for my organisation to understand what it is you want. You want high yielding no money down deals with cashback! So if you doubted that we did not know that then now you know. We understand our clients! We are always striving for no money down deals with cashback that yield a profit every month from the rental. These are called our platinu

Gazumping is back!

As much as I hate gazumping and I would never play that game it is good to see it is back. This is where someone accepts a higher bid just before completion in an attempt to extract more money from the original buyer. This means there are at least TWO buyers for the property. All you need for properties to be restored to normal prices is when you have at least a couple

I think I have underestimated first time buyers

I apologize profoundly if the experts have got this right. Some experts are saying that this 1.9% house price increase may not be a freak result but the efforts of first time buyers. The number of reported first time buyers has doubled. I guess they get this statistic from estate agent surveys so they will be some errors but it is safe to say the number of F

Why work with landlords

If you are a contractor wondering why I am recommending you to join up with my site AhujaMatch.com then consider the benefits of having a landlord as your client: We keep coming back for more! Landlords are usually in it for the long term so this means we need your services in the long term. Keep us happy and we will use you for life. I can assure you most

New landlord and contractor matching website

AhujaMatch.com I have created a site where Landlords and Contractors of ANY skill can meet in one place. I am very excited about this project for 3 reasons: Landlords can save money Contractors can earn money There is no middleman You can connect directly with each other with no agent, advertiser or subscription fees involved whatsoever. In other wor

My team are hitting new records

Recession What recession! Credit crunch What credit crunch! The new records that should not have been broken considering the climate are: Number of new clients we have taken on more clients last month than ever before. Interest in property investment, just looking at the figures, are double last months. Number of completions we had

My 4 pieces of amazing data

Amazing Data 1 Halifax report house prices up 1.9%. Here is the report: http:www.hbosplc.comeconomyincludes050209HousePriceIndexJanuary2009v2.pdf This data has made front page news. Daily Express have run this story as their main story and I am sure we will see other house price data companies reporting future data with this news. Amazing Data 2

My first update

I have not done one of these before but because there is so much going on I feel I have to! Thank you for all of you who have submitted us some deals. My office a busy checking the deals stack up and your account will reflect our findings. Login here. For those who joined up as associates many thanks! I hope you received your training manual and had your welcome phone call. The

I now pay £1,000 per deal you find

You guys are a tough bunch! Because demand for deals is so high I am offering �1,000 per deal you bring to us. You must bring the deal to us fully negotiated and at 35% BMV. We want deals direct with estate agents or private vendors. We do not want any deals that are already with property sourcing companies similar to us, repossessions or auction properties.

Associate program

Make �000s per week with The Ahuja Group This is for seriously motivated people only and I really mean it. If you are really, really, REALLY motivated to make a living for yourself then I want to speak to you. I am looking for people to sell my services out there in the real world. You see we do fairly well on the internet but I am looking for individuals to promote my se

We now manage the properties for you!

If you have ever hesitated from investing in areas further a field from your home town because of the management issues then hesitate no more. My team and I can do all the management for you. This is armchair investing at its best. We can now: Source the highest yielding deals in the UK Start advertising the property BEFORE you even complete Place a tenant in the property very

Share with everyone your recession busting ideas

http:creditcrunch.ning.com Like a flash an idea came to me about how it would be great if we could share our credit crunch and recession busting ideas so we ALL benefit. So guess what. I have created a super slick forum for us all to use and learn from. I have started off a discussion to get us all going. So join the forum, contribute and hopefully learn someth

Richard Branson recommends to buy property

st1:unknown BEHAVIOR: urlieooui When a millionaire tells you to buy property then you listen. When a multimillionaire tells you to buy property you give it serious consideration. But when a multi billionaire tells you to buy property then you have no choice! But seriously though it is nice to see someone so successful seeing the opportunities also as

Amateur Landlords Profits up 1000 per cent

Yes you did read right and no I have not been drinking! Take a landlord who believed the hype and thought property investing was ALL about capital growth. If he was half sensible he would have bought a property that would quotwash its facequot i.e. the rent would cover the mortgage. His monthly profit and loss would look a little bit like this: Rent: �

House prices down again this month

House prices are down this month and at around 17% off its peak for one reason and one reason only: The credit crunch! It does not take a genius to work that one out. It is not because we have mega high interest rates or unsustainable inflation or anything else the whole problem stems from the lack of credit. So I ask you what do you think will happen when credit

Rental demand rockets in December

December 2008 saw demand for rented accommodation mushroom, according to the UKs largest lettings agent Your Move. Despite a 14% month on month slowdown in the number of people signing up to new leases, rental demand in December was up a massive 63% on 2007. But a dip in tenant demand is normal over the Christmas period. Managing director of Your Move, David Newnes, said

Old day v new day investing

Back in 2000 when I was investing quite heavily there was no concept of BMV or buying at a discount from market value. There were gifted deposits but you still had to put capital in to buy. Now when I was buying it was a rising market. So if I needed deposits to put down I would speak to mortgage broker, put in some remortgage applications and get a whole load of cash to p

Unbelievable BTL mortgage

I knew this day would come. REAL buy to let mortgages are on the way back. This lender is making a Bline for the mortgage market in a very unsubtle way and I love it! Have a look at their terms: No minimum valuation No property inspection accept drive by valuations 75% LTV reverting rate 2% above bank base rate Fixed rate of 5.29%

Forces at play

Look at these forces at play: Immigrant work permits increased. Unemployment increased. Property supply decreased. It does not take a genius to work out that if there is more demand on cheap housing and there is a lack of cheap housing coming on to the market for rent that the inevitable will happen: Rental prices will RISE So as everyone talks

Repossessions up should mean interest rates down

The figures for repossessions were double what they were for the last 3 months up to September 2008. I reckon it will be higher for the final quarter 2008 and will be even higher for the first quarter of 2009. This looks really bad on the Government so is it not time to cut rates to 0% now I think so. I must be misunderstanding something here but the data at the

80% LTV buy to let mortgage @ 5.99% fixed

I I I have found the first 80% LTV buy to let mortgage at a sensible rate. Now obviously being the first buy to let mortgage above 75% there are a few quirks. Its the first time I have seen this requirement but they need to see also: 20% of the propertys value in equity in the rest of your portfolio. Now I do not know if they actually go a

370 ideas and 422 people involved

I had an excellent meeting with my new team who are going to take charge alongside myself regarding pooling our ideas, time and resources so we can all make some money! So who are my team The team consists of: Me! Aged 37 I have extensive business experience having built a property portfolio from nothing to 200 properties in 10 years. I have also set up var

Property sourcing program now live

http:www.ahuja.co.ukaffilliationpropertysourcers Good news! The notes are finished and they are ready for you to: Read Understand Get going! I am really looking forward to building my army of property sourcers and making you all rich! Please start straight away. To read how to find top deals which we will pay you for visit: http:www.ahuja.co.uka

Beware of foreigners

The pound has fallen in value. This means things in the UK seem cheaper than before. So take in to account that property prices have dropped coupled with the currency devaluation and suddenly the UK looks very cheap! And this is not theory you know. Foreign investors are coming back to the UK market. So us UK investors not only have to battle amongst ourselv

Northern Rock lending again

If If any of the banks are going to resume lending back to the normal levels then you would think the state owned would be the first. And you are right! This is the latest statement from Northern Rock We are abandoning our mortgage lending reduction plan and intend to lend again And I have just found out that the government has tripled their original �100bn p

�100,000,000,000 on its way

�100bn is a very big figure. And this is what is being pumped in to the banks to make them lend. The biggest bank bail out in worldwide history is happening here in the UK! This is great news. Lending will resume which will mean people like me and you can start investing back to the levels we want to i.e. without restriction. Now do not worry the first time buy

Earn top money with the Ahuja Group

We are undergoing a major expansion due to increased demand for the bargain property deals we are seeing coming on to the market. I am looking for 50 property sourcers who can: Find properties for sale with estate agents based on a certain criteria Negotiate the deal with the estate agent to get the property at the right price Get the vendor and estate agent to ag

New sourcer program soon to be introduced

I am here to help you through the recession! I am in the process of creating 50 new jobs for those who love doing property deals. I am on the look out for people who can: work closely with my office structuring deals for my extensive client base build long term relationships with estate agents to ensure long term profits for yourself grab cheap deals wh

Do you have a property for sale?

If If you do I want to here from you! The sort of stuff my clients want are: 30% BMV to current RICS valuation 7.5% yield �100 positive cashflow HMOs We can sell your properties in literally minutes. Yes minutes. If you send us the deal we can put it in front of our clients who we know would be interested. Some of our clients are large por

Is deflation a risk for us?

Deflation is a risk for landlords who have large debts. Rent falls and mortgages grow in real terms. Is it a real threat in the short term Yes. The very short term. I reckon we will have 2 quarters of deflation max and we probably will not notice them. The good thing is deflation means the government needs to print money! Now they do not actually print money,

Interest only calculator

You can now throw your calculator away! I have created a page where you can calculate your monthly mortgage payment based on the amount you are borrowing, interest rate and term of loan. You can then compare both costs being: Interest only cost Repayment cost You can then play around all day with the variables to see what works for you best on a lifetime basis! View Interest Only C

Get the complete set of legal docs for free

Yes you read right. Get every legal document for free to download right now including tenancy agreements, notices and standing order forms for England, Wales AND Scotland. Fully customisable and fully free! Visit: http:www.ahuja.co.ukfreeresourcesfreehousingdocuments Ajay P.S. Do not forget to tell your friends.

Seed and Harvest Deal

This is the first of my SeedampHarvest deals which has come through before I have even written how the system works. Basically we are sourcing properties at 50% BMV or greater that require work, performing the work and then recommending a remortgage where you get ALL your money back and then repeat. This way you can build a portfolio very quickly. Have a look at this dea

You will love these 4 pages i have created

On these 4 pages are the 80 up to the minute deals for the following price ranges: �20,000 to �29,999 �30,000 to �39,999 �40,000 to �49,999 �50,000 to �59,999 These pages are called dynamic pages where they are updated every 30 seconds and they feed off various networks over the internet. All you need to do is hit refresh to keep the page with the most

My forum is back

I have revived my world famous forum! Ask anything you want to anyone you want. http:www.ahujaforum.co.uk Ajay

How aware are you?

I came across this video and it really shocked me. Please take the test and see how aware you are. Simply press play and watch: Send this video to all your contacts in your email account in 10 seconds. Simply fill out the form below and click on quotFind Friendsquot. All your contacts will come up and you decide who to send to and then click on qu

Buy to let rate of 3.49 per cent fixed

It is only for 70% LTV but we often get stuff at 30% BMV if you read our reports when they come out. So you really can get no deposit investing at 3.49% borrowing rates. The market is going to get crazier and crazier in attempt to attract more people back. If you are already back then welcome! Also adverse buy to let mortgages are creeping back. Check this one

I am gutted

I had Sky News on, it was 11.58 and then I needed to spend a penny. So I cranked up the volume and while I was otherwise engaged the reporter announced a 1.5% cut in interest rates! I can tell you now I was overjoyed! However the reporter got it wrong. In the excitement and the anticipation of a 1% cut and these turbulent times he thought the bank had done it agai

No money down deal READ NOW

An awesome deal here. I pretty much cannot fault it. No money in in fact cashback! and a decent yield in a decent town. Boy these developers are suffering! View Property Report can take up to 30 seconds to open If you want to reserve then pay reservation fee now. Or if you want to know more call 0870 990 3205. Ajay

Do you like my articles

If If you like my articles or blogs then you can publish them on your site for free. All I ask is you put a link to my website www.ahuja.co.uk. You can also use my logo and link it to my website if you want. Cheers! Ajay

Ajay � are you a one man band

My office often pass on the comment that people enquiring about my service for the first time think the office comprises of just me! This is in fact not true. In my office there are 11 of us including me: Simon MD Mike Sales Director Andy Technical Director Michelle Team Manager Joanne Facilitator Ben property sourcer Melanie cl

We now source AND manage

The final terms are just about to be signed but I can confirm to you that we can now manage your properties for you. Here is a guideline of our fees: �99 set up fee for each property discounts available for 5 properties or more 1 months rent to find a tenant �99 for property inspections if the need arises The actual ongoing management charge has yet to

Property crash is to be declared over within days

The Government are soon to finalise the terms of their Repossession agreement which will prevent lenders seizing their security for up to 2 years. It is these very properties that make up the calculated average house price in the UK. If these properties, owned by people in financial trouble, do not get seized by the lenders then you really will see the housing ma

Rates to go to 1 per cent on Thursday

It is no big secret. Rates are going to hit an all time low on Thursday. I cannot wait and I will have Sky News firmly on at 12pm to see everyones reactions. �50,000 borrowing will cost you �200 per month max. We can buy houses that rent for �425 for �50,000 which will mean a nice profit of �225 per month. Nice! 2009 will be the year of low interest rates. I a

Get �968 worth of Ajay Ahuja's eBooks for free

st1:unknown BEHAVIOR: urlieooui This is no joke. All you have to do is invite all your friends and contacts in your email account to sign up to my FREE newsletter. Minimum 10 people. Thats it. You will get: Avoid HIPS legally worth �55 Rent Cheat Sheet worth �59 USA Market Report worth �352 No Nonsense Package worth

95 per cent LTV and 0 per cent mortgages

I am not sure what is going on but one thing is for sure: The deals are back! I have found: Residential mortgages at 95% at below 5% borrowing rates Introductory 0% borrowing rates for 6 months on residential mortgages Let to buy mortgages where you can let your current property and move in to a second property Loads of buy to let mortgages with

11% yielding flat, �251 positive cashflow

An awesome flat for only �54,000 which is move in condition. It is 22.9% BMV and produces �251 positive cashflow. To view the report click on the link below: View PDF Report takes up to 30 seconds to load If you want to reserve this property it will cost you only �1,000. Thats right it is bargain time! RESERVE NOW

85% lending is back (at a sensible rate of 4.59)

I knew it would come back but I am surprised at the competitive rate. With a mortgage like this the possibility to do a cashback deal with positive cashflow has never looked better. The deal is 85% LTV, min loan �40,000 and 125% rental income cover. The arrangement fee is a whopping �1499 but in todays climate is not that bad. If you want to benefit from this awesome rate ple

55 per cent BMV!!!!!!

An unbelievable deal. This deal has come from one of our trusted agents and is at a knock down price. The property costs only �20,000 and you can buy with an unsecured loan. You cannot get a mortgage for it at the moment until the area picks up a bit as there are a few properties boarded up and empty. This property is for your real professional investor who knows what t

I have found 0 per cent finance

It is only for 16 months but still it is 16 months. That is 1 year and 4 months. By that time it will be 2010 quarter 2 so I would hope the credit crunch and recession will be behind us. I have heard the approval rates are very high on this credit card and they might be closing their doors very soon so I would apply immediately to get your application in. The finance rai

4,000,000,000 worth of new builds for sale

There is �4bn worth of new build property that were to be sold to unsuspecting first time buyers and novice but to let landlords which are now for sale at bargain prices from distressed builders. Even at big discounts at 35% off todays RICS is still not cheap enough. Since the builder or even worse the administrator have only professional property investors as their

I am looking for a Manager of The Entrepreneurs

For those of you who do not know I was overwhelmed by the response from my Entrepreneur Idea which I am now really excited about for 2009. To see this article visit: http:www.powerseries.orgentrepreneur I will be very honest with you. I need HELP! Now I am going to lay out to you what I am offering for one person who I want to be the manager of this whole proj

Housing is becoming affordable

It is now getting reported that housing is becoming affordable to first time buyers. The number of areas where the property prices are less than 4 times average salary for that area have increased from 4% to 14%. Now stories like these do not make the first time buyer come back in their herds but it starts to drop hints to the first time buyer that some point in th

Recession busting idea

I love surfing the net and I found a great website that is very recession friendly. It: Costs nothing Can bring you in money Requires no effort apart from filling in a form I like ideas like that! Its all to do with unfair bank charges, credit card charges and mortgage exit fees. I hope as a reader of my new

Wow, what a response!

http:www.powerseries.orgentrepreneur I sent an email today, not really expecting that many responses, however the opposite is true. Many thanks for all the responses and everyone will be contacted. I now know this. We are going to have a busy 2009. I have had enquiries from people with a whole load of skill sets: Sales Marketing Managerial Wr

I want to be in business with you!

This is no joke. Its time to expand big time and I want to do it with you. Visit: http:powerseries.orgentrepreneur Ajay

Have you seen facebook on the fonejacker?

Do you have a facebook profile Do you watch the fonejacker I guess you can answer yes to the first question but I am not so sure about the second question. For those who do not know it is a program on channel 4 where one guy does prank calls to unsuspecting members of the public. Very childish I know but for some reason I love it! Anyway there is a bit from the show where

Are you a twit?

I am sure you are not! However have you heard of twitter.com It is a way of keeping in hyper touch with people you know or care about. Now I know you do not know me personally or for that fact care about me ! but you can get my daily updates on what I think about the property market, interest rates, the economy and even more random stuff I dare even talk about. It is a completel

Interest rates need to be MINUS 1.25%

It really is getting a strange place to live! 6 months ago I could never have contemplated zero rates now we are all just waiting for it to happen. Now a top investment management firm Legal amp General have said rates need to be minus 1.25%. Now obviously this cannot happen so they have said the Bank of England will simply inject money in to the system! The credit crun

We can now get 100% financing in the USA

We can now: Find you a cashflow positive property in the USA Get you the finance so you do not have to put any of your capital in whatsoever Introduce you to one of our preferred property managers who will fully manage the property from Day 1 This is overseas armchair investing at its best! Subject to a satisfactory credit score we can raise you up to 25,000 which equa

USA interest rates to 0%

It was Japan first, now it is USA second. Both these countries have set their rates to 0%. So will the UK be third If not third it will either be 4th, 5th or 6th! This is a massive turning point for our whole economy but more importantly for property investment. All those of you who have masses of cash in the bank then this may not be such a great time. For t

How I saved �20,000 with one letter

Sounds quite amazing does it not Well I will tell you exactly how I did it. I have around 80 mortgages with Mortgage Express. All my Mortgage Express direct debits come out on the 4th of the month. I wanted to even out my direct debits so I was matching the rents I receive with the payments coming out. I wrote a letter to Mortgage Express requesting they move the dates to e

Rates to ZERO

You know when you just keep hearing something that little bit too often and even though it sounds crazy it starts to seem like it will be reality Well this is one of those somethings: quotInterest rates in the UK will fall to 0%quot I now believe this will happen as it is being mentioned too much. The talk now is what else you do if you drop rates to 0% and it d

100% buy to let finance

I have to tell you I had an amazing meeting with my team which included: Connect IFA Both Solicitors Team Manager Facilitator Managing Director Survey Team And I can confirm this: We have an iron tight no money down scheme which is totally unique to the buy to let market. We have a scheme which: Is fully CML compliant Ensur

I am retiring next year

Dont worry I am not but you should always know what retirement income you need to live. Why Well this should be your target you aim towards when you invest. Now I am going to make a prediction about you and I know I will be wrong but bear with me: You want a retirement income of �100,000 per year. Now I am probably wrong as I hope you want more but lets just say you

Can you ride a cycle?

Not a bicycle but a property cycle. The reason everyone wins in property investment if executed correctly is that if you can ride one economic cycle which takes about 10 years approx then whatever you have left is a cash cow. Take for example a property I bought in Corby back in 2000. It cost me �16,000. I had to raise a 30% deposit to buy this property. I raised it by borrowing i

The property slump is over

The property slump is over. I am fairly sure of this because the following will happen over the next 6 months: On December the 4th interest rates will be dropped to either 2.25% or below. Buy to let borrowing rates will be around 4%. Property prices for bottom end properties less than �100k purchase price will start to look attractive to investors as yields are 8%. Investors like me a

Do you know what repossession really means?

I learnt something today. A lender can obtain a home without a court order. Can you believe it! A repossession order is simply granting the lender vacant possession so they can sell the property. However they can get a property put in to the lenders name without the need of a court order. So lenders who have given buy to let mortgages can take a property off a landlord and simpl

Welfare reform plans

The government is thinking of forcing people back to work and hence slash their housing benefit bill. Do I think this will happen No Way! It all sounds a great idea until you get in to the detail. They are saying single parents should start work once the child is aged over 12. After that age they should get a job. So should they get a job that they are qualified to do or a jo

Watch the Ahuja Group seminar on Youtube

This is my early Xmas present to you for being a loyal subscriber to my newsletters. Thanks for reading them! Now watch over 5 hours worth of my seminars which would have cost you �34 to attend for nothing. Visit my Youtube channel: http:uk.youtube.comahujagroup Let me know what you think! Ajay

The dreaded D word

Not: Divorce Depression David Dickenson But: DEFLATION We are all doomed if this happens. It works like a negative feedback loop. As soon as prices of goods start to fall the consumer thinks if they wait tomorrow prices will be cheaper. So in effect they never buy and prices spiral downwards and everyone goes out of business.

Just got off the phone to my top sourcer

He is up for showing you around the North East of England and: getting you access to at least 10 properties ready to buy and all BMV explaining how to make a BMV deal stack, no money down investing and how to structure deals so that you can actually get cashback from investing explaining how the credit crunch can work for you even when there is an apparent lack of lending intr

Sub zero borrowing rates for the lucky few

If you are a CampG customer who took out a 1.01% discounted tracker for 2 years in July or August 2007 put your hand up now! If you did you could be paying �0 on your mortgage. This is because this mortgage product is discounted to the bank of England base rate and is discounted to this rate. If rates drop to 1% which is highly predicted for mid 2009 but I reckon sooner your effecti

I learnt something today

It is going to get soooooooo goooooood! Due to rates being so low the banks cannot get a return by keeping hold of it. I was watching Sky News and they said at a 3% rate all the banks could get is 2.5% from the central bank. The banks need to get their money out, to borrowers, who will earn them interest to cover their costs. So what we might see is the biggest competition

Base rate cut by 1.5% to 3%

Unbelievable! I have to be honest if I was a betting man I would have put all my money on a 0.75% cut. Everyone wanted a 1% cut, journalists and experts predicted a 0.5% and I thought the best the BoE would do would meet in the middle at 0.75%. However they surprised us all. A 1.5% cut is massive considering the base rate was 4.5%. This is a 33.3% cut in interest rates. The

I have found another 85% LTV lender!

We are living in a funny world. I met with my broker Liz today and it all made sense. The reason why the TWO 85% LTV lenders are keeping it low profile is because they do not want to be ram raided with applications. As you can imagine 85% buy to let mortgages were thought to be non existent. A dinosaur of the buy to let era. But they are back. For how long I do not know but I would not

95% mortgages, 0% interest rates, �23k property, F

This has really got to sum up the last 4 weeks. 95% Mortgages I have found 95% mortgages for residential purposes. This lender allows bridge and remortgage so you could get on the property ladder if you do not own a home with nothing in the bank if you can get the property 5% BMV. 5% BMV We can find these in our sleep with both hands tied behind our back in the dark! We

Fancy a 10,000,000 per cent return?

Up until 6 months ago the strategy was buy, hold and then remortgage. It had worked for me for 10 years and will work for me in the future however we are in different times. The old way enabled an ordinary member of the public go from �500 to �15m in 10 years. Not bad eh However with falling prices it is now possible to go from: �500 to �50m in 1 year. That is a 10 million pe

We have found an 85% LTV lender

For all those NMD cashback junkies I can put you out of your misery: The 85% LTV buy to let mortgage is BACK! No joke. Here is the good news: 1. Minimum purchase price �40k 2. Ex local authority houses accepted 3. 100% rental cover 4. Interest only 5. Blemished credit history okay! up to 2 consecutive missed payments on a credit card and 1 CCJ allowed max �250 6.

Do not make the same mistake as first time buyers

When property prices were booming you had some first time buyers saying that prices HAD to fall. Were they right Well yes. Were they clever Well not really. Take the first time buy who bought at the peak in 2007. He bought a property for �100,000 with no deposit at a nice rate probably a discounted tracker or 3year fixed. Now take a first time buyer who wants to buy in 2

FTSE has to hit 11,000 to match property!

The FTSE needs to boom from 3883 to 11,000 points to match the returns of property. �100,000 invested in FTSE 13 years ago is now worth �100,000. �100,000 invested in property 13 years ago is now worth �278,000 You know I am not making these figures up as you well know the FTSE has crashed and the property market has boomed over the same period. If the FTSE had followed p

Is it great to be a landlord at the minute?

You may think I would say yes automatically but let us really look at it. If we were to split the rental market in to two: Private rental market DSS rental market We are now heading in to a recession. The private rental market will suffer. No one knows how much it will suffer by but expect private tenants to start defaulting. As long as they start claiming housi

Guess what the experts are now saying about intere

I earlier reported about rates dropping to an unbelievable 2.5% but its ALL CHANGE. They are now talking about rates being the lowest ever in the history of banking from the year 1694. I am not making this up! Rates are set to drop to: not 2% not 1.5% not 1.25% but to 1%. Yes 1%. I was already fantasising about my mortgage payments being reduced by

Buy to let mortgages on the increase!

Can you believe it I can! All that has happened to buy to let with the negative press, mortgage products being withdrawn and property prices fallen, buy to let mortgages are being taken out like no other. Now lets be clear. The absolute number of buy to let mortgages taken out is low but as a ratio of buy to let mortgage against residential mortgage t

1 day sale, only �500 per property

I am not sure if you browsed through some awesome deals my team have found but I am now forced to give them away. I am knocking off 75% off my sourcing fee for one day only. They have been negotiated at the beginning of the week and if I do not find buyers by this Monday I am going to have to let them go. So if you want one of these deals at an absolutely give away price

When is it the right time to buy?

If someone asked me if there was one moment in your business career which you were glad you did I would have to say when I visited Corby in Northamptonshire. I had a few properties in Essex and I earned roughly �700 positive cashflow from these which I lived on while I tried to break it in to the music world as a top music producer. Living on �700 per month was hard! I n

Interest rates to fall below 2.5 per cent

Oh my god! This is what some of the experts are saying. If this really happens we are going to see the biggest boom in property like never before which will NOT be helpful. Big booms really destabilise the market and when rates go back up the problems start. However if rates hit below 2.5% we are talking about a �40,000 property costing only �100 per month. You can rent out a �40k pro

Become a property sourcer for the ahuja group

Become a property sourcer If property is your passion then why not source properties for us on an occasional, parttime or even fulltime basis. To find out more visit the Become a property sourcer page and come on board! What We Want We need people to go out there and find high yielding properties for our clients. The People We Want We want highly driv

Another interest rate cut?

About 4 days ago I stated that it was not out of the realms of possibility that rates would be cut by 0.5% rather than the customary 0.25%. I did not think that it would happen but it actually did! These experts are now talking about another 0.5% cut in the near future, before the new year. Can you believe it If this happens then 2 things will be good for property investors:

Is 100 per cent finance on the horizon?

One of my sourcers has contacts within the banks and I heard something that is really making me salivate. He has a portfolio of 195 properties which a BANK is trying to off load. It must be off an investor who has either given up, remortgaged too heavily or simply gone bust. I reckon its a Mortgage Express portfolio but who knows. But here is the interesting bit. They are no

Do you have a website or facebook/myspace etc. hom

sign up to be an affiliate My tech guys are a clever bunch. They have created a system where you can generate a link or a banner, place it on your websitefacebookmyspace home page or similar and if someone clicks on it, fills out our request callback form and becomes a client we pay you a whopping �50. Not bad for simply adding a link to your page. You could qu

Do I really need a property sourcer?

Of course! Now you would think I would say that but let me really justify this. Around 10,000 properties on average get put on to the market each DAY! Now you may only want to buy 1 or 2 properties a month but you want to make sure they are the RIGHT 1 or 2 properties a month. So you conduct your search by visiting estate agents, rightmove, small ads etc to find out what is for

Major expansion of my services

Property investment is going to be BIG again! Rate cuts, further rate cuts expected and increased liquidity to the tune of �500bn which is nearly 50% of the total mortgages outstanding in the UK will mean there is a temporary position where: property prices are low monthly mortgage costs will be low availability of finance will be high This means massive opportunit

Interest rates set to plummet

About time we had some good news! I have been doing some research on interest rates and I have found some interesting stuff: There is more than a slim chance that the base rate will drop by 0.5% this month The base rate could be as low as 4% i.e. 1% cut by Christmas The base rate could drop to even below 3.5% by Spring This will be absolutely fantastic news i

Will the banks lend?

This is the question I keep on asking to myself to try and predict the short term future. It looks a bit tough for the next 3 months. Banks will lend but they will be extra cautious. Previously with buy to let mortgages they never credit scored you they just credit checked you. This meant as an investor you were not penalised with making multiple credit searches as this is wh

Get your complimentary 1 to 1 consultation now

Yes you read right. Come and meet us in a city near where you live or work. Book Now! We are offering you a free 5 year financial projection based on your initial savings and attitude to risk plus a 30 minute consultation with one of our trained consultants. During the consultation you will learn, 1 to 1, about: The expected returns you can make based on your saving

I knew mortgage express would get in to difficulty

It was for one reason: BRIDGE amp REMORTGAGE While everyone stopped allowing bridge and remortgaging over 18 months ago Mortgage Express carried on doing it until around April 2008. Now I took out some Mortgage Express mortgages on a Bridge and Remortgaging strategy but there was a big difference between my purchases and 90% of the other investors doing bridge and remortgaging

Why 5 per cent = 7,256 per cent

Sounds amazing does it not It does if you do not have a full grasp of semi advanced mathematics but considering I spent the best part of my late teenage years studying double maths at Alevel both A grades and Economics and Maths at LSE London School of Economics AND qualifying as a chartered accountant it comes to no surprise that you can make astronomical returns through property investment.

Buy to let is dead, so I am told

An article on MSN amused me. Buy to let is dead because: house prices have fallen there are 80% less buy to let mortgages repossessions for buy to let properties have doubled from 900 to 1800 per half year Lenders require 130% rent coverage Borrowing rates have gone up Lets address each point in turn: house price have fallen yes they have, in

What is going on with the markets!

AIG is going down. I had heard of this company but never knew how big and significant this company is or was the case could be!. It is basically bankrupt. It is going to have a massive effect on the whole of the world and will bring the FTSE and the British economy downwards. They even insure some homes in the UK and these will now be invalid as this company will not be

Inflation at record levels, FTSE crashes and reces

Does not look good does it Well depends on who you are. If you are heavily in debt, have no money invested in the stock market, have no personal pension and have an inflation proof income like rent! It sounds like me and a lot of you property investors out there. If you have: borrowed to make high yielding property purchases Stayed out of the stock market Rely on th

The old days are back

I have just come back from one of my maintenancehotspotting trip. The first part is just checking that things are running smoothly and making sure everyone knows what to do to ensure the portfolio is cashflow positive. The hotspotting part is the other part where you view prospective hotspots and boy did I see one today. Now this are is ROUGH. And I mean rough. There was one

Is the credit crunch over?

To be honest I am not sure. It seems rates are dropping by all the large lenders with rates at the same level precredit crunch. Lending between banks have started again and I reckon it could be business as usual by January when everyone looks back at the credit crunch and says lsquodo you remember the credit crunch last year So what does this mean in connection with making money from pro

Here is a simple way to make money

Fill out this form Copy the link it generates and send it to whoever wants a mortgage and add it to all your email, facebook, linkedin and other online profiles you may have Wait for the money to roll in on all successful mortgage applications. So just to reiterate: Fill out form Copy and paste link Wait I do not know if I can make it any simplier than that

This deal you can split and make 175,000

Have you ever heard of property investors buying a block of flats with the freehold, creating separate long leases and then selling the long leases off individually and making a packet Well if you have not then listen up. Its easy to do but the main reason why most investors do not get the opportunity to do this is either they do not come across a block for sale cheap enough or they can

MORTGAGE INTRODUCER PROGRAM

MORTGAGE INTRODUCER PROGRAM Has anyone asked you for a mortgage or if you know anyone that can help If so and you have struggled to answer you now can confidently say YES! Not only can you say yes but you can also earn some money out of it as well. You can become an introducer of mortgages by signing up to my Mortgage Introducer Program and earn 12.5% of whatever my broker

Become an introducer of mortgages

This has got to be the best one yet! Sign up now. Liz my broker has got her technical department to create an Ahuja specific introducer program so that you can sign up and start earning referral fees from your very own introducer contact form. Its simple. You fill out a brief form, click on send and it will generate a link which you can copy and paste all over the internet! I sugge

Even I am surprised how much rent you can get thes

I am not sure if you remember that I told you I was buying 4 flats in Scotland at �30,000 each no money down but they have all completed now. My sourcer found all four of these for me thanks Richard! and I expected them to rent for �350 maximum for 2 bed flats. Now I will inform you that these flats are in a notorious part of Glasgow but for some reason there is high demand for

Over 90 per cent off my 1 day property course

Book 1 day seminar at only �29VAT Find out more! I am trialling something new and you are the first to know about it. I am sure you have seen property courses advertised from other property companies teaching you how to succeed in property investment. Usually they carry a price tag of around �500 per day upwards to �4000 for a weekend course. These courses are usually marketin

Are the old days of investing coming back?

I do not know if you have read my book Beating The Property Clock but it could be approaching 12 o clock. At 12 o clock in my theoretical cycle of how the UK buy to let market operates it means that: No one is buying except you! Back in 2000 I visited a town called Corby. There were 3 estate agents and they had a whole load of excouncil properties from �9,000 upwards which they c

Inflation is at 4.4 per cent officially

We all know that the true figure is alot higher as we have all felt it with our own pockets. The good thing is for me at least and all the other property investors who have debt that even though I feel it in my pocket on my day to day spending it reduces the value of my debt. If you are the other way round, with more cash than debt then I feel sorry for you. The government or should I say

Do you want properties requiring refubishment?

My team search quite ferociously for deals that are in a rentable condition and at a bargain price. Now sometimes we come across properties not in a rentable condition but at a bargain price! Take this 4 bed 3 storey property for example: Now guess how much this property is �100,000 No. �75,000 No. �50,000 No. �40,000 No. �30,000 Well yes! What

House prices to RISE by 30 per cent

For those of you who are fascinated in the average UK house price then I have news for you! There have been 2 reports within 7 days that have been released predicting 25% growth and 30% growth respectively: National Housing Federation: 25% increase by 2013 Centre for Economic and Business Research: 30% increase by 2012 Now how they can predict this I am not sure. A lot ca

Do you know who bears the risk on your personal pe

If you have a defined benefit pension scheme which is very rare and expensive these days then do not worry. The full risk of meeting your final salary demands falls 100% to the provider. Lots of companies have massive holes, gaps, shortfalls in their pension funds because the stock market has performed so badly. If you are like the masses you probably have a defined contribution pensio

I want to help you make a living with me

One of the great things about being well known in the property industry is that you can help other people by sharing your success. One of my proudest pursuits has been the letting agent franchise which literally put over 200 people in business in less than 6 weeks. It has shown signs of early success so I can confidently say you will see more of AhujaLets. But anyway this is not

Invest in property or the stock market?

The $64,000 question. So here is the answer: If you want to invest in the short term then neither. Both promise long term gains for sure but short term gains in the stock market are reserved for the big banks. Unless you have an army of analysts, insider information and nerves of steel you will NEVER make any serious money by playing the stock market. Okay you might make a bit at

2,000 jobs have gone in the construction industry

Before I go any further I do not welcome redundancies and job losses. It will be a traumatic time for anyone who has lost their job due to the credit crunch etc. However it is a clear indication that the big developers are really struggling. The three biggies being Persimmon, Taylor Wimpey and Barrat Developments have shed 2,000 jobs between them. So what does this mean for all

Why inflation is good for property investors

We are in a strange position at the minute. Inflation is above acceptable government levels. The usual policy is to raise interest rates to kerb it however the government is not doing this due to the fear of sparking a recession. This is excellent news! Now rising interest rates is bad for a property investor but the government is snookered so there is no fear of a hike in inte

Have your property managed for free

It is quite a statement but you can actually get your property managed by my organisation for free. Let me explain. If you let your property through a letting agent they charge fees not only to you but to the tenant also! They charge the tenant: Credit checking fee ndash I have seen fees up to �75 being charged to the tenant even though the credit check only costs �10 to

Do you have a property to sell?

Do you need to sell Sell now! We have plenty of buyers for your property. They just need to satisfy 3 criteria: You must be willing to accept 20% below what a surveyor is willing to value it at You must use our solicitor to handle the sale. We will pay for this. The property must yield at least 6%. If you have a property for sale that can meet these requireme

I increased my rent by 119%, yes 119%

I know it sounds unreal but I really did increase the rent on one of my properties by 119%. That is more than double the rent I was previously charging and NO I was not charging below market rent. I have a house in Northampton and I was charging �650 per month. The tenants left without telling us and left the property in a right state. Anyway, I advertised it in its current conditi

I am loving the negative publicity

More bad news.....GREAT! If people are going to stay out of the property market then this is good news. This means that if anyone is mad enough to put their property on the market they must be desperate. Say good bye to first time buyers as they are waiting. Say good buy to the novice investors as they believe the hype and believe property investment is a short term investment.

Store cards can make you wealthy

Am I serious I most definitely am. Let me show you bt way of an example. I have just moved in to my new house. There are many rooms in the house and I have this wild idea that I want a 50rdquo plasma TV in every room. This is 10 plasma screens! Now I have 3 options: buy cash. This will cost me �7,000 from Richer Sounds. Borrow �7,000 from my local bank and buy them

Become a letting agent for the Ahuja Group

We have 420 franchises available across the UK for motivated individuals to run and manage their own letting agency. To view the districts click here. The franchise works on an exclusive territory based on district councils. You can start your own letting agency and tap in to a huge database of knowledge eliminating some of the risks associated with starting your own business. The gre

I found these 2 articles you ought to read

I know, I and other professional property investors, are quite unique in the way we think about the property market. I know there are the big landlords simply thinking to themselves this is my year and I am going to clear up. As you think it you wonder if the press are aware of such thinking. If it goes public then there is counteraction to the negative publicity, and eventually the g

Are you fed up with your letting agent?

I am considering setting up a service for landlords where your property is managed without the property manager getting anywhere near your rent money. This is how I run my portfolio. I have reps on the ground but they are fully aware to never touch the rent money. Most are on standing orders set up by the rep and some pay by cheque sent direct to the office. If a tenan

An excellent exercise for you to do

I love the program The Apprentice. Its an excellent business program even though it falls in the category of entertainment as you can learn what a successful employer looks for from its top employees. One part of the program captured my imagination. It was at the start when they said sir Alan is worth �800m. What does that mean It got me thinking about what I want in life. Now obv

Radical changes at Ahuja.co.uk

There are no more upfront fees for existing clients. For new clients it is a one off payment of 350 GBP and no further upfront payments from then on. FILL OUT PROPERTY ORDER FORMgtgtgtgtgtgt This means if you have paid Ahuja.co.uk a fee to find you a property then you can be assured never having to pay a fee upfront again. We are at your service from now on for life! All we now a

I want to tell you the property companies to avoid

It still amazes me when I see other property companies that are still advertising their services. Not because they are competitors, simply because they cannot provide the service. The property companies to avoid are: New build properties There are no mortgages for these properties. So unless you have at least �100,000 in your bank there is no point looking at these propertie

I will get you the property you want

Did you know I do not charge any large upfront fees in order for us to start working for you Tell us what you want now! Our strategy has completely changed due to the closure of all those rip off property clubs, property sourcing and property seminar companies. It was about time that honesty and integrity would come through. We have been sourcing low value high yielding propertie

Find out my plans for my 368 hotspot locations

I am so excited about the next 6 months. I have just head hunted a property sourcing manager whose job over the next 120 days is to: Recruit 13 regional managers to descend upon every estate agent in each hotspot location Educate each estate agent on the sort of properties we want and most importantly how to structure the deal so its a No Money Down deal. 3 strict conditio

For those who deal in facts - here are the facts

Sometimes I come across some real straight talkers who just want hard evidence that an opportunity exists. I quite like these people as they do not need all the fluff, they just want you to prove to them in figuresfactsreal data that property works. So for those who just want me to cut to the chase here we go. I will prove to you that property investment in the current climate is a d

Now is the time to buy!

The way to make money is to spot a rising market and jump on it. The way to make A LOT of money is to see through all the hype, follow fundamentals, go against the grain, and watch the correction occur. The Current Situation The only people left buying properties are the professional investors. We do not care about whether national house prices are going down or up, all we care ab

How We Find No Money Down Cashflow Positve Deals

1. Introduction Due to the credit crunch, widespread reporting of doom and gloom and recession fears it has never been a better time to capitalise on the negativity and structure No Money Down NMD cashflow positive property deals. 2. Current State Buyers have been scared away from the property market. Why would anyone buy a property if they thought they could buy it che

We now source high yield BMV deals

We can build you a property portfolio that: Pays you an income every month Will cost you nothing or very little to acquire. The recent press has scared every first time buyer out of the market. Since the majority of first time buyers read the national press and the national press seem to all agree that a crash is coming, a prospective first time buyer would either have to be ve

My FREE seminar dates announced

I had an excellent meeting with my broker Liz on Tuesday and we have come up with 3 dates where we can show you how using clever financing you can build a massive portfolio using none of your own money. And the best bit, its completely free to attend BOOK NOW. The dates and locations are: 2pm 5pm Saturday 26th April Heathrow, Middlessex 6.30pm 9.30pm Wednesday 30th Ap

It could not be a better time to buy

Can I still buy properties during a credit crunch

The short answer is yes. The reason I know this is because I am still buying property as we speak. It is true there are far less mortgage products available, however the core low rate tracker at 85% LTV is still available from plenty of BTL mortgage providers. We must not forget the fundamentals: Banks will always lend to landlords Property will always outperform pension funds if you b

I am selling 57 of my investment properties

I am selling 57 of my investment properties I was in Prague a week ago visiting the inlaws and like a lightening bolt the idea came to me to sell part of my portfolio. I had been used to saying to myself quotnever sellquot but I had overlooked 2 very important things: The opportunity cost of capital The new capital gains tax rate of only 18% The opportunity cost of capi

Find out my No.1 strategy for property investors!

You will never get wealthy in property without borrowing. I see many ldquobuilderrdquo type property investors that believe in starting off slow, buying one distressed property for cash, doing all the repairs themselves and then selling on for a profit to someone like me!. These type of investors are lucky to get to �1m profit in 10 years ndash which ainrsquot bad but thatrsquos one hell of

My No.1 Tip For Serious Property Investors

How To Raise A Deposit Out Of Nothing

RECOMMENDING credit cards isnrsquot usually something that we frequently do, but an excellent report by the Motley Fool has come up trumps with a card that betters interest rates offered by the typical mortgage product. After 319 cards were analysed, the report shows a savvy way to borrow at 4.9% for life! This means that you can borrow the deposit to purchase a buytolet property at 4.9% A

Avoid capital gains tax on investments, legally

The formula: 1. buy a wreck 2. refurbish it 3. live in it 4. sell it Thatrsquos it. Properties that you use as your own home are free from all capital gains tax. So if you want to make a living tax free then you simply have to add value to a property. You canrsquot just buy a property, live in it and then sell it and expect to make a profit. You have to add value. Typical ways of

How to buy a �100,000 property for �6,000

Irsquove found a lender that accepts gifted deposits up to 5% and their standard loan to value is 89%. So in effect they will loan you 94% of the purchase price. Let me explain by way of an example. Lets say you wish to buy a property for �100,000. The vendor is offering you an incentive of a 5% deposit to be paid by the vendor. The property would be bought as follows: Purchase Price �

Buy 15 investment properties with �26!

I know it sounds unreal but its true. When I started buy to let 100% residential mortgages were a new thing. Well say hello to the 125% mortgage. You are getting mortgage companies giving you 25% of the purchase price if you take out THEIR mortgage. So okay we will! In the above example if we see a property we want to buy worth �300,000 then they will loan you the �300,000 plus give

Off Plan Properties Can Damage Your Wealth

CAN I really own a �1m property portfolio Well yes you can, but you also own the �850,000 debt! Lets do some maths. If the portfolio yields 6% which yoursquod be lucky to get! then your Monthly Profit amp Loss would be: Rent �5000 Letting Agent Fees 10%VAT �587 Mortgage Interest Only 5.5%APR �

Less than 125% rental calculations for lenders

Have you ever wanted to buy a property that offers great capital growth but a low rental yield and then struggled to find a Buy to Let lender Most BTL lenders require the rent a property achieves to be at least 125 130% of the monthly mortgage payments and for high value properties, this very often doesnrsquot fit. Even if you can squeeze it through, very often you will be charged very high f

5.4 times JOINT income lending on 125% LTV

Some lenders are desperate to lend. In the old days it used to be 2.75 times joint income joint income being yours and your spouses income added together. So this restricted lending hence restricted property prices as couples couldnrsquot afford to buy. This product allows a couple on a modest salary to buy something they really want. So if a couple jointly earn �35,000 then they can buy so

Four-year high in demand for rentals

RENTAL demand is at a four and a half year high as house prices continue rising and affordability decreases. Recent research by The Royal Institution of Chartered Surveyors RICS showed that renewed tenant demand has steadily pushed up rents. In effect, this means that more and more people continue to look for rented homes, as they cannot afford to buy. RICS state that rents on both flats

Tales of a Landlady: Spotting a hotspot

What is a hot spot Well, itrsquos a place where renters are plentiful and property prices are low. Then the prices become high, quite quickly. And the place is no longer a hot spot, but a prime location. An article by Rosie Millard, The Times, on the 5th of March in probes this question and Ajay Ahuja is asked on his expert comments. Yet again, he reiterates his emphasis on high yields and low

Lending for Extremely Low Value Properties

If you can find properties for less than �30,000, which I frequently do, I have found a lender that will lend 85% of the purchase price. This is the first mainstream lender I have come across that offers such small mortgages. They are expensive, at 8.8% APR, when I took my mortgages out but they do have a discount of 2% for 1 year. So effectively I am paying 6.8% which is still expensive but

HLC Higher Lending Charge

Do you know that you pay for an insurance policy, not to protect you, but to protect your ever so friendly mortgage company! A report in the Motley Fool explains how A higher lending charge is a fee paid by mortgage borrowers to protect lenders which lend them more than a certain proportion of the value of their home. For example, if you have a 30% deposit, most lenders wont charge you this fe

Raise �50k out of thin air!

If you need �50,000 then can I suggest you go for a 125% mortgage on a �200,000 property. This could be the remortgage of your own home or the purchase of a new home ndash its up to you! And the great thing is theyrsquoll pay for the valuation of the property. Irsquove ENLARGED the small print for you: Available in England and Wales only.. Total loan available is 125% , 95% l

Pick up your free tenancy agreement from us

I am giving away my tenancy agreement for all my readers! I used to use this tenancy agreement when I managed my properties myself. It complies with the Housing Act and all other contract laws. I have seen letting agents charge this out for up to �100 and call it quotdocument feesquot or quotlegal feesquot! I am giving this away completely FREE! Download it now. I WANT MY FREE COPY NOW

Ajay is appointed Microsoft's Property Expert

Take a look at these two stories to find out more: http:money.uk.msn.comMortgagesBuyToLetarticle.aspxcpdocumentid4760880 http:lawpack.money.msn.co.uk1366D9463D9F41A7A57B0F3B04D81572.aspx Ajay. Join Ajayrsquos daily newsletter Get live property investment deals, free courses and property investment tools sent straight to your email inbox at no cost every single day.

Theft of my �32,000 flat

I bought a flat for �12,500 cash no mortgage in Kidderminster about 4 years ago. It was in a bit of a mess when I saw it hence the price. So when I acquired it I requested the keys from the agent. The agent gave me what they had but they said I will need to get a fob from the freeholder to get past the electric security on the flat. When I asked the freeholder for this fob they said t

Average UK house price now �210,000 - So what!

This figure means nothing! Itrsquos just a headline. The way this figure is calculated is by taking all the properties values sold in the last month and divided by the number of properties sold in that month. This crude calculation is then banded about all the newspapers to make home owners feel good and non home owners feel bad. If the figure was less than last monthrsquos then the opposite f

Build a portfolio out of thin air just like I did!

As you probably know, you need a deposit to buy an investment property. So what happens when you donrsquot have a deposit Well its simple ndash you just borrow it! I did this a few years ago, to the tune of �100,000 or so, invested it wisely and now never have to work again. The key is you have to find someone who is willing to lend. Back then the personal loan market wasnrsquot so dev

Accelerated Saving Scheme

If yoursquore unwilling to borrow the deposit via an unsecured loan then why not try to save up for the deposit. It does not matter if you spend exactly what you earn as I am going to show you how, by clever financing, you can quickly save up for the deposit by dramatically lowering your residential mortgage. I have used this technique personally which enabled me to purchase 4 properties.

When is renting better than buying?

Its all about the money! Living in rented accommodation temporarily can pay huge dividends if you rent while you wait for prices to correct. I was out with my friend last week as he was looking for a flat to let. He was looking to spend up to �2,000 per month on rent. I was amazed at what you could rent at this figure. We basically saw Footballer Wives type mansions and luxury pentho

Cashflow problems are good!

Why Its called being greedy! I always see more investments to buy than I can actually afford. So when I see a really good investment I simply try to raise the finance. Back in my early days of selfemployment when I was buying and selling items such as electrical goods and cars I would always see more stuff to buy than I could actually afford. Would I let these bargains go Hell No. I would j

Buying a car is more expensive than you think

I specialise in low value properties. I typically buy a property for around �30,000. This requires a �5,000 initial investment from me which includes the deposit, legal fees etc. Every time I get hold of �5,000 Irsquom itching to buy a property. Now consider this. Irsquom walking past a car showroom and I see my favourite car, a Mercedes 300SL for �20,000. itrsquos a bargain, Irsqu

90% BTL lender with interesting terms

I knew the day had to come! I thought 85% was always going to be the maximum LTV but then Northern Rock did 97%, GMAC did 89% and now someone has pushed the boat even further and offered 90%!!!!!!! So how far have they pushed the boat Well: 1. They offer a 115% rental calculation instead of 130% 2. The mortgage is offered to limited companies as well as individuals which is rare 3. Th

600% return in 5 years

Want a 90% buy to let mortgage If so click here to speak to my broker. This means you can buy a property with a 10% deposit. So if you bought a property that I recommended for �100,000 you would only need �10,000 to buy it. You would borrow the other �90,000 and pay the mortgage with the rent received from the tenant. Now if I recommend a property I am quite sure its capital value will

How To Predict Future Property Prices

I only recommend properties that I think will go up in capital value by 50% or more. So how do I estimate this Well its all to do with AFFORDABILITY. The properties I buy are first time buyerrsquos FTB type of properties. The nonluxury end of the market, starter homes, studios, flats basically the cheaper end of the market. Now I have to make a prediction of the value of the property.

Why negative bubbles exist

Remember how I told you about negative bubbles and how they blow up in your favour If not refresh your memory by clicking here. So why do negative bubbles exist There is really only one answer to this: We live in an imperfect market! There are a limited supply of funds offered to us from the lenders so they have to make a choice ndash do they lend to: 1. An investor that is unawa

Borrow over 100% of purchase price for BTL

We know a lender who will offer you a 100% BTL mortgage and will also consider providing a further �5000 towards the costs of your fees! How is this structured Many of our investors are buying property below its true value in the market. This may be because they have received a builderrsquos incentive or perhaps they are buying an auction property or a vendor requires a quick sale.

Can you make more than �9 a day?

Irsquove found a lender that will lend �75,000 to homeowners for �8.77 interest a day and they will lend up to 125% of the value of your home! They also will give you a payment holiday for up to 6 months which gives you just the right amount of time to invest this �75,000. So herersquos what you do: 1. Raise up to �75,000 by filling out my loan brokerrsquos enquiry from. 2. C

Raise a deposit AND save a life

The way I became rich was by borrowing off anyone that would lend to me. I used to borrow off loan sharks and credit card providers and pay up to 30% APR. Now you can borrow at very sensible rates similar to personal loans. However I have found not only a credit card that offers a sensible rate of 12.9% APR but they will also give 1.25% of whatever you spend to a charity specialising in el

Valuation Lending: Build a portfolio with nothing

TRUE STATEMENT: Many of our clients have created substantial property portfolios with very little money upfront. The secret is borrowing against the value of a property rather than the purchase price. This strategy requires clever property buying, by that I mean finding property in the market being sold for less than it is actually worth. Once you have found such a property, we can help you

Do You Watch Dragons' Den on BBC2?

If not you should! I suspect the reason why you have subscribed to my newsletter is not only because you have an interest in property but also an interest in making money. The Dragonsrsquo Den concept is very similar to the property investing concept. The Dragons being wealthy successful business people decide whether they invest their money in your business or not. The Dragons have to de

Mortgages for Low Value Properties

Have you ever tried to arrange a mortgage for a Buy to Let property valued at just �15000 Most lenders do not offer mortgages below �25000, as the lending falls under a different set of regulations. Many more lenders place their minimum value at �50000 or more claiming it is uneconomical to lend less than this! With property prices as low as �15�25000, you may ask why you would need a mortgag

1+1+1 = 5

Have you ever heard of synergy Well its where the sum is greater than its parts. This applys to property as well. We have many clients making money by buying property that consists of 2 or more individual dwellings, e.g. flats, but held on one legal freehold title. For example the previous owner may well have bought the property and converted it from a 5 bed terrace house to 3 self contained

The 3 Strategies in Property Investment

Buy and hold ndash Investor This is for the long term thinker. The investor always wins in the LONG TERM but may have not such a great time in the short to medium term as you have to make sacrifices. If you can resist the temptation to sell and spend all that cash on Aston Martins, Rolexs and Caribbean holidays then you are sure to profit big time further down the line. Is this strategy

The 6 Month Problem

Nervous lenders in their droves have been introducing a rule that means you are unable to remortgage your property or borrow more against its value until you have owned the property for at least six months. This effectively means you will be unable to access any extra capital you create in your property until the 6 months pass, potentially slowing the growth rate of your portfolio This can be

Interview with Adam Samuel from nubricks.com

Listen to my interview with nubricks.com founder about how to succeed in buy to let. Visit: http:www.nubricks.comarchives212ajayahujapropertyinvestor Ajay Join Ajayrsquos daily newsletter Get live property investment deals, free courses and property investment tools sent straight to your email inbox at no cost every single day. Your Name:

Buy-to-Let Prisons

This is not a new thing. It has been done over in the USA and is supposedly a success. So will it work over here Well yoursquove got to look at: 1. The promised yield 2. How easy it is to increase the rent or will it be regulated 3. Whether its charged by room by room basis or a flat rent for the whole building 4. Whether there is a trend of imprisoning criminals or not 5. What you

The time I nearly went bankrupt

I remember a few years ago when everything I looked at was a 12 per cent yield or greater. But every now and again I would find a 20 per cent plus yielder that I just couldnt say no to EVEN if I didnt have the money. So I used to get myself in a lot of cashflow trouble which I always recommend because it means you are hungry and always looking for the deal because I would over commit my funds a

Dragons dens and yields

I have to let you know I read Duncan Bannatynersquos autobiography the other day the Scottish guy from Dragonrsquos Den and was quite moved. I initially bought the book because I thought it was a book that will teach me how to make an extra few million or so but it was an actual autobiography. It was about the person himself rather than a guide on how to make a fortune. Irsquod forgotten how inte

Rental Growth is the NEW Capital Growth

Due to market conditions we have moved in to a new era. Find out how you can discover new hotspots that just may appear in your neighbourhood. I think its safe to say that it is unlikely that we will see a boom in prices like the last 10 years for most areas in the UK apart for some pockets in Scotland, N.Ireland amp parts of Northern England. As you all know I am yield focused as I believe ca

Having a nightmare keeping track of rents due?

http:www.propertyhotspots.netview.phpcontent1ampid31 I do not know about you but when you own more than 10 properties, keeping track of when the rents are due can become a nightmare. This is because rent is paid: 1.weekly usually this is low paid private tenants 2.fortnightly usually this is the top up element from an unemployed person because their Job Seekers Allowance is paid for

95% Refurbishment Mortgages

A new an exciting residential mortgage product has been launched into the marketplace this week. If you are looking to buy a rundown property to refurbish for living in, not only can my broker get you 95% of your purchase costs, they can also get 95% of the costs of the refurbishment!! This removes the problem homeowners face as a result of lenders not normally releasing money until the work is

A new way to raise cash from your properties

I had lunch the other day with a guy who gets me a few UK buy to let properties and I met one of his colleagues, Andy, who has been in the loan2nd charge lending market for 10 years. I said itrsquos a shame that all these lenders only lend on your own residential property and not your buy to let properties. He first started to nod and agree with me but then he dismissively said he knew of on

I need some help!

If you are passionate about property and want to make some additional income then we want to talk to you. We are looking for sourcers, writers, builders, internet marketers and selling agents to work for us and we are paying up to a whopping 10,000 GBP per month bonuses. Click here to find out more. Ajay. Join Ajayrsquos daily newsletter Get live property investment deals, free

Property Investor Show

I had a great 3 days. I met up with over 70 people over the FriSatSun and I hope those of you I met got some good advice from me. So what did I learn from the 3 days Well I learnt that there are alot of you out there really do believe in what I teach about yield. This I am glad about as its the only real measure of ANY investment. Just to jog your memory yield is Annual Rent divided by Purch

Watch repossession, repossession, repossession?

I really disliked this program I saw yesterday. It somehow portrayed the very bank that lends the money as the ones responsible for borrowers misfortune. If you borrow money, you have to pay it back! Its simple. To somehow try to blame banks for lending seems ridiculous. I know why this programme is being aired. Let me take you back to September 2007. Everyone was predicting a crash in the

How I bought my �550 000 home with nothing

As you get older Im 36 by the way you sometimes ask yourself how did I end up where I am. I recently moved in to a large 8 bed, 7,000 sqft house yet I feel I do not work half as hard as some people and they have a lot less. And after much thought I realised it was done to one thing: Gearing. Gearing means your level of borrowing. If you are highly geared you are highly borrowed. I am highly

I met with Barclays today...

I had a very interesting meeting with Barclays today. They came to my house to discuss the equity within my portfolio. I wrote to them last week and 28 other large lenders asking them to lend me on the equity on my home as a 2nd charge up to 80% of the value of the property. The reason for this is because I face some redemption penalties if I were to remortgage the whole amount. To my surpr

100% mortgages pulled from first time buyers!

When I first used to buy properties your biggest competitor after the shrewd buy to let investor was your first time buyer. This was because they: 1. had the big lenders behind them all scrambling about for their business 2. were less focussed on value and more focussed on aesthetics 3. were in abundance! This meant that they had: 1. Plenty of money because the lenders would offer to

Two types of people talk about a property crash

There are only 2 types of people who talk about property crashes: A. People who have said they are going to crash, these are: 1. Journalists who have stated back in 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007 they will crash in order to save face. 2. Academics who have done their analysis of the market analysing PAST data to forecast the future which they believe looks like the past.

Property crash? Try a stock market crash!

Take a look at these statisitics: FTSE 100 Index February 1998 5,767.3 January 2008 5,667.5 Thats a 100 point fall in nearly 10 years. That means if you invested 10,000 GBP 10 years ago your 10,000 GBP would be worth around 9,500 GBP. But allowing for inflation it would mean that the true spending power in todays terms would mean your 10,000 GBP would be worth 7,089 GBP assuming a

Property prices will crash hold on tight!

THE OUTLOOK FOR BUY TO LET IN 2008 I thought it would be right to write to you to explain what I think about all the reports in every newspaper that there is going to be a property crash etc. First of all you need to define what a property crash is. I will give you the medias version of what a crash is: A 0.1% decrease on the AVERAGE UK house price. Lets really look at this. The average U

Have you set your new year targets?

I do not know about you but I have set my new year targets for myself. I aim to have another 200 high yielding properties in the UK and USA. The reason why I have set it at 200 is because I think it is: 1. Achievable 2. Motivating 3. Worthwhile What are your targets If you need help setting your goals and targets feel free to have a chat in your own home with one of my consultants t

Why Philip Green is so rich

This may sound really obvious what I am about to say but the reason why he became the fastest billionaire in history was because he took MASSIVE risks. Irsquom talking massive. He basically borrowed from people he had helped in the past, borrowed from a number of banks and borrowed from himself putting everything he had on the line. He had used this strategy several times before and that was wh

Xmas is the best time to buy

Just a tip I have learnt in my years of buying properties are that you get better deals the more you lead up to christmas. The reason I reckon this to be the case is because of supply and demand. When vendors are forced to sell they do not choose when to sell they just have to sell. Whereas when you buy you are never forced to buy. The trend for the lead up to christmas is that only the ha

My broker sorted a mortgage in just 4 days

Yes you did read it correctly my broker has just completed a purchase from the application to the completion in just 4 days! Their client wanted to buy a BuytoLet property at auction that needed renovation and he was given just 14 days to complete his purchase. The first lender they approached rejected the property as in its current condition it was not lettable a common problem with renovatio

Fancy making �10,000 in your spare time?

If you are passionate about property as much as I am and want to make money out of your hobby by helping others then my Associate program could be for you. I pay generous commissions for all sales of my services of up to 1,000 GBP per sale. Click here to find out more! Ajay Join Ajayrsquos daily newsletter Get live property investment deals, free courses and property investment tool

My current purchases for Feb 2008

My current purchases are: 4 x 2 bed flats in West Scotland These were introduced by one of our property sourcers. The purchase price was 30,000 GBP and rental possibility of 350 GBP to 400 GBP which has the potential to be a 16% yield! Now they are in a bad area. That is kind of obvious by the price, but they will let to single mums or an older couple of the DSS. I put in for a surve

Did you watch Panorama last night?

I watched the last 20 minutes of Panorama last night and I was gripped. It was all about Property Investment Compnaies that had ripped people off. One character was called Simon Morris. I knew about his serious fraud investigation before it hit the press I have contacts within the city but I never knew exactly how he was committing the fraud. It all came clear last night. He was buying prop

The HMO hunts have started

I was doing my normal searches for HMOs House In Multiple Occupation last night and I found out there were more of me than I expected. There were two companies actively seeking HMOs to buy! At first I was taken aback as more competition means less supply but then I remembered when I first went to Corby back in 2000. In Corby I was the only one buying. The estate agents thought they had found

I got a 4.99% mortgage fixed until 2011

I just had a chat with my broker and she went through various rates she could get me. I opted for the 4.99 per cent fixed until 2011. Its an excellent rate except for the 2.25 per cent arrangement fee! Oh well. Its for a purchase of a 6 bed HMO in the north. Its costing me 91,000 GBP so the monthly figures look like: Monthly Rent 6 x 55.00 GBP x 4.33 weeks 1,429 GBP Monthly Mortgage Cos

Housing is back in fashion!

Its a funny old world we live in. It was doom and gloom for the property market, now its doom and gloom for the stock market. As a result its all switched. Housebuilders values have risen, interest rates have dropped 0.75% in the US and the UK interest rates will follow which will bring UK property bang in to fashion again. I reckon there will be a 0.25% cut in interest rates in February possibly

I'm featured on Microsoft Property Expert!

I have recently been appointed as Microsofts Property Expert. There is a feature on Microsofts site to ask me a question. So what are you waiting for Get asking! You will find me at the bottom of the page on the link below. Click on Ask Ajay a question and then start your question with my name Ajay to ensure Microsoft forward the question to me. Visit: http:money.uk.msn.commymoneyaskth