Property Magic Podcast

Simon identifies a critical trap where investors replace their salary with rental income but fail to build a cash buffer for unexpected expenses like property light refurbs or tenant turnovers. He argues that many investors are technically wealthy through equity but remain broke due to poor cash flow, emphasising that the current market landscape of 2026 presents a rare buying opportunity for those willing to restructure their portfolios KEY TAKEAWAYS Investors must maintain a reserve to cover void periods and maintenance; without it, a single vacancy can trigger a downward financial spiral. Before buying new properties, investors should raise rents to market value and consider converting standard lets into HMOs (Houses in Multiple Occupation) or Service Accommodation (SA) for higher cash flow. While increasing borrowing reduces the cash flow of a specific property, the released equity can be used to acquire new, higher-performing assets that more than compensate for the increased interest costs. Mitigating Risk with Insurance: With legislative changes like the Renters’ Rights Act making evictions more difficult, using rent guarantee insurance is vital to ensure mortgages are covered even if a tenant stops paying. BEST MOMENTS "I meet a lot of property investors who, in theory, should be well off, but they're broke. Why are property investors broke? Because sometimes they have assets, they have equity, but they don't have enough cash flow." "The penalties you might pay [to remortgage] might be insignificant compared to the discounts you could receive on new properties you're buying." "I absolutely guarantee you, as long as you know what you're doing, it's a fantastic time to be buying property... probably one of the best buying opportunities I've seen in the past 30 years." "It’s not just about the money, but life’s a lot easier when you have a really good cash flow coming in." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon examines the critical importance of discipline in property investing through the mantra, "Don't break your own rules." He shares personal anecdotes of turning down lucrative-looking deals—including a large portfolio option and a hotel—because they failed to meet his specific criteria, such as a 50% return on investment within two years. He warns against the property hamster wheel, where investors continuously chase the buzz of new deals without stopping to enjoy the financial freedom they have already built. KEY TAKEAWAYS Successful investing requires clear parameters—such as specific cash flow requirements or return on investment (ROI) percentages—to ensure you only engage in truly "great" deals. Look for a 50% return on investment within two years when dealing with property options, ensuring the initial capital is recovered quickly. Even experienced investors can be tempted by creative financing or unique assets (like hotels), but if the project adds excessive noise or time-demands without meeting core rules, it should be rejected. Most investors only need three to five properties (like HMOs or SAs) to replace their basic income BEST MOMENTS "I see too many people buying properties that are not great deals... maybe they’re not clear on what makes a good deal for them, and I want to make sure you avoid that mistake." "Am I just doing this because I can do it, rather than I'm doing it because it's a great deal? That's a trap I see many property investors fall into." "The reason I invest in property... is not because we're passionate about property; it's because we're passionate about what property can do for you." "The reason most people don't achieve their goals is, frankly, they don't put enough time and effort in to achieve what they say they want to achieve because they've not made it important enough." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon looks at the ethical considerations of buying properties below market value, emphasising the importance of helping motivated sellers. Through a compelling case study involving an 85-year-old gentleman who needed to sell his home quickly to move closer to his family, he illustrates how building relationships and understanding sellers' needs can lead to win-win solutions. Simon also highlights the significance of speed, certainty, and ethical practices in real estate transactions, encouraging investors to prioritise the well-being of sellers while still achieving profitable deals KEY TAKEAWAYS It's crucial to recognise that motivated sellers often prioritise solving their problems over getting the highest price for their property. Building a relationship and understanding their needs can lead to successful transactions. When dealing with motivated sellers, providing a quick response and assurance of a smooth transaction is essential. Delays can lead to frustration, especially for sellers who have already experienced failed sales. Buying properties below market value can be ethical if it provides a genuine solution to the seller's problem. It's important to ensure that the seller feels respected and valued throughout the process. Following up with potential sellers is a critical part of the deal-making process. Many sellers may initially decline offers, but consistent communication can lead to successful negotiations later. BEST MOMENTS "Is it really fair on this? I must admit, I had this when I first learned back in 2006... Is it really ethical to do that?" "When you're dealing with motivated sellers, they need speed and certainty. If someone's like, I really need to sell my house... that's not gonna work." "You took the time to get to know me... The other two companies literally came in, quick look round, maybe a really low offer." "As long as you stick to your word, and you're giving someone a solution to their problem... that's absolutely ethical." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon looks at the importance of commitment and mindset in achieving success in property investment and business. He challenges you to reflect on your true desires and the effort you are willing to invest in reaching your goals, highlighting the common pitfalls of seeking instant results and the necessity of perseverance KEY TAKEAWAYS Achieving success in property investment or any business requires a strong commitment and willingness to put in the necessary time and effort. Many people express a desire for success but fail to take the required actions. A positive and proactive mindset is crucial for success. Limiting beliefs and excuses can hinder progress, and it's important to recognise and overcome these mental barriers to achieve your goals. Successful individuals often experience failures and setbacks. The key difference between them and the average person is their ability to learn from these experiences and persist in their efforts rather than giving up. Accepting personal responsibility for your current situation is essential. Your life circumstances are a result of the decisions you've made, and taking ownership can empower you to make positive changes. BEST MOMENTS "The problem is when you have a business or you start investing in property, we might put loads and loads of effort in and yet we don't get these instant results." "Most successful people, they've not always been successful. They might have tried several different types of business and failed." "You need to accept personal responsibility. Because where you are now is a result of all the decisions you've taken in your life, good and bad." "If you don't believe in yourself and back yourself, why would someone else?" VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Stop waiting for success to find you and start building the life you want with a proven formula for consistency! In this episode Simon breaks down the Massive Success Formula, combining massive action with the right strategy and unwavering discipline. You’ll learn how to transform fleeting interests into ironclad commitments, why your calendar is your most important tool for financial freedom, and the surprising reason why high achievers prioritise taking more holidays KEY TAKEAWAYS Success is the "rent you pay every day," requiring you to develop the habits to do the hard things even when you don't feel like it. There is a massive gap between being "interested" in financial freedom and being "committed" to it; true success requires making your goals a non-negotiable must. Schedule "sacred time" in your diary to focus exclusively on high-priority goals rather than just ticking off easy, low-impact tasks. To maintain peak performance, you must plan regular downtime to decompress and re-energise, as your best ideas often surface when you're relaxed. BEST MOMENTS "Massive success is due to taking massive action, doing the right things, but also having consistency." "Success is due to the rent that you pay every day, meaning you need to do something every day to get you to the place you want to be." "Are you really committed to your property investing goals, or are you just interested in achieving financial freedom?" "All too often, people tick off the easy, the quick-to-do things... never really tackling the really important things on their action list." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon dives into real estate investment strategies and the mindset shifts required for success as outlined in his book, Property Magic. He shares critical insights into identifying and avoiding six common property scams, ranging from misleading off-plan developments to the risks associated with rogue builders and unregulated deal sourcers. KEY TAKEAWAYS Buying off-plan properties often involves "discounts" that are actually based on inflated future estimates rather than genuine current market value. A licensed HMO's value can plummet if local council room-size standards change, reducing the number of rentable rooms after a purchase. "Full repairing and insuring" leases with charities can contain small print that forces landlords to pay for full renovations before the property is returned. Reputable builders should never require large upfront deposits; instead, payments should be made weekly based on verified work completed. BEST MOMENTS "The value is what someone's prepared to pay for it... you’re not really getting a discount." "You always need to sense check anytime someone gives you a deal, do your own due diligence." "Do not give builders large upfront deposits... pay someone on a weekly basis based on the work that’s actually been done." "Invest with knowledge, invest with skill." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares five essential secrets for successful networking, drawing on over 22 years of experience with the Property Investors Network. You will learn the importance of committing to networking events, being present and focused during interactions, and the value of giving before receiving, and hear about the significance of building genuine relationships and following up with new connections to foster long-term friendships KEY TAKEAWAYS Make a conscious effort to attend networking events regularly. Schedule them in your diary and treat them as a priority to build and grow your network. When attending events, give your full attention to the people you meet. Avoid distractions like checking your phone, and engage meaningfully to foster genuine connections. Shift your mindset from seeking help to offering assistance. Whether through encouragement, sharing resources, or making introductions, focus on how you can support others in their journeys. After meeting new contacts, take the initiative to follow up within 24 hours. Schedule calls or coffee meetings to deepen connections and establish trust. BEST MOMENTS "It's about building relationships and ultimately building friendships. So be present and focused at the meetings you go to." "When you go to networking, you should be thinking, how can I help other people?" "You do not want to spend all of your time at a network meeting speaking to someone new... because you're missing the opportunity of connecting with other people." "If you think about it, it's actually quite straightforward. There's a lot of common sense here, but it's amazing how uncommon common sense is." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares insights on the five common mistakes property investors might already be making as the new year begins. Emphasising the importance of taking action early, he encourages you to start viewing and making offers on properties, especially as motivated sellers emerge after the holiday season. KEY TAKEAWAYS Many people delay viewing properties and making offers after the holiday season. Taking action early in January can lead to securing great deals, especially from motivated sellers looking to offload properties. There is an online training day on January 10th featuring top property experts. Registering for such events can provide valuable insights and strategies to make 2026 a successful year in property investment. It's crucial to have a well-defined plan for what you want to achieve in 2026. Break down your goals into actionable steps to track your progress and stay focused throughout the year. Many people set goals that are too easily achievable. Instead, aim for ambitious goals that challenge you and require you to learn and grow, pushing you beyond your comfort zone. BEST MOMENTS "If you haven't started yet, frankly, I think you're missing out. I really encourage you as an action for this podcast is get viewing properties, start making offers and see what happens." "If you fail to have a plan, you're going to fit into someone else's plan. I'm a great believer in not only setting your goals but also coming up with a plan." "Why not set goals that are so big, you don't know how to achieve them? That's a good thing. Stop worrying about the how, instead focus on what do you actually want to achieve." "The early bird catches the worm, take action. And I look forward to sharing future podcasts with you over this year, 2026, which is going to be an amazing year to invest in property." VALUABLE RESOURCES Profit from the 2026 property market with expert guidance at the free Virtual Property Exhibition: https://property.isrefer.com/go/VPE/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares a personal journey of realising that a traditional job would not lead to long-term financial freedom. Reflecting on his time as a graduate trainee at Cadbury's, he discusses the limitations of a secure job and the importance of diversifying income through property investment KEY TAKEAWAYS The journey began with the understanding that a traditional job, even in a dream role, may not provide long-term financial security or freedom. True wealth often requires additional income sources beyond a salary. The initial foray into property investment started with renting out a first home to students, which led to a profitable venture. This experience highlighted the potential of real estate as a viable income source. Attending events like Tony Robbins' Wealth Mastery was pivotal in learning about wealth creation and the importance of diversifying income streams. Continuous education is essential for financial growth. While the decision to leave a stable job for entrepreneurship was daunting, it emphasised the importance of planning and gradually building assets before making such a leap. Starting part-time investments can mitigate risks. BEST MOMENTS "If you want to be truly wealthy, if you want to be financially independent... a job alone is not enough." "The decisions you make will shape your life. Where you are right now is a result of all decisions you've ever made." "I would never recommend anybody gives up their job; it's much better to start investing in your part time." "Now is the time to commit to your financial future. 2026 is going to be the year... to become financially independent." VALUABLE RESOURCES Join my free 2-hour live workshop where I’ll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon discusses the importance of not letting the uncertainties of 2025 hinder your property investment opportunities in 2026. With interest rates beginning to stabilise and a buyer's market prevailing, the episode emphasises the need for proactive investment strategies. Simon outlines the five golden rules of property investing, highlighting the significance of buying from motivated sellers and focusing on properties that generate positive cash flow. KEY TAKEAWAYS Successful property investment relies on five key principles: buying from motivated sellers, focusing on areas with strong rental demand, ensuring positive cash flow, holding properties for the long term, and maintaining a cash buffer for unexpected expenses. The new Renters Rights Bill, effective in 2026, introduces significant changes to property management. While it may make it harder to evict tenants, good landlords who manage their properties professionally should still be able to navigate these changes effectively. High-end HMOs (Houses in Multiple Occupation) and serviced accommodation (short-term rentals) are highlighted as the two main strategies for property investment in 2026. To succeed in property investment, it's crucial to be educated and informed about the market. BEST MOMENTS "I think there's a huge opportunity cost of you not acquiring property in 2026." "The Renters Right Bill is coming in. It's been signed off by King Charles. It is law." "If you are a good landlord and you're doing things correctly, you should be okay." "In many areas there's an oversupply of HMOs. It's got to be high-end which look better." VALUABLE RESOURCES Join my free 2-hour live workshop where I’ll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the important concept of "you don't know what you don't know" in the context of property investing, emphasising the dangers of assuming you have all the knowledge necessary for success, sharing personal anecdotes from his 30 years of experience in the field. Simon also discusses the significance of continuous learning, the value of working with specialists, and the importance of maintaining an open mind to avoid costly mistakes KEY TAKEAWAYS It's crucial to recognise that you don't know everything. Continuously seek to grow your knowledge and expertise in property investing to avoid making costly mistakes. While theoretical education is important, practical implementation is essential. Engage in property investing actively to gain real-world experience and insights. Work with specialists who have relevant experience in their fields. However, be cautious as even experts may not know everything, particularly in niche areas of property investing. Stay open to new ideas and approaches. Question your current methods and seek better, faster, and more effective ways to achieve your goals. BEST MOMENTS "You see, the decisions we make are based on the knowledge, the past experience, and our beliefs that we hold at that time." "If you get to the point where you think you know everything, that can be very dangerous. You can make some very expensive mistakes." "You're never going to know everything about property investing. I don't know everything about property investing." "Using experts and consultants can massively speed up your journey." VALUABLE RESOURCES Join my free 2-hour live workshop where I’ll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explains a simple process for finding discounted property deals in your area right now, with the key being to leverage the current low-competition period (such as December) by focusing on motivated sellers and utilising effective search and negotiation strategies. KEY TAKEAWAYS Act immediately as competition is typically low during social periods (like December), meaning those who implement the advice straight away have a higher chance of securing a deal. Focus solely on motivated sellers for whom the speed and certainty of the sale are more important than achieving the full price. Look for properties that have been on the market for a long time, have had price reductions, or have had previous sales fall through. When searching online (e.g., Rightmove, Zoopla), limit your search results to about 40-60 properties to avoid being overwhelmed, and look for red flags like out-of-season photos, duplicate listings, or properties listed by out-of-town agents. Make an offer on every property you view, aiming for a rejection initially to open a negotiation where the seller will offer the highest price they're willing to accept. BEST MOMENTS "If you implement what I'm suggesting you straight away, I guarantee you will find some really great deals in your area that maybe be saving you tens of thousands of pounds off the normal purchase price." "We always want to look for motivated sellers. These are people for whom the speed and certainty of the sale is more important maybe than the price they're going to get." "You can look for people where maybe the sale has fallen through, or maybe where the property the price has been reduced, or maybe they're listed with multiple agents to try and sell that property." "We want to make an offer, we want them to reject the offer. Because if they accept your offer, it means you have paid too much." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon focuses on the critical importance of discipline and decisive action in property investment and business, with a core message that lack of execution can kill a business, and success relies on being quick to implement and act. KEY TAKEAWAYS Discipline and decisive action are essential because overthinking and over-analysing lead to missed opportunities in property investment. When evaluating a property deal, quickly determine if the seller is motivated and then run the numbers to check for positive cash flow and sufficient return on investment (ROI). Aim to get to a "no" quickly if a deal doesn't meet your criteria, but follow up later, as an unmotivated seller today might become motivated in the future. Overcome the fear of making a mistake by asking yourself, "What's the worst that can happen?" and comparing the potential risk to the substantial reward of successful investment. BEST MOMENTS “When you find a great property project or when you come up with a great idea. You need to take action quickly." "We need to make sure the ROI is enough. Now, what is enough for you?" "We should say look, I think it's something I would like to buy if we can come up with a deal that works for both of us." "The more action you take, the more courageous you become." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon welcomes back Timothy Witt and Phil Bygrave, the only guests to appear twice on the show. They discuss their newly released book, "Financial Freedom: The BDRR Property Evolution," which aims to guide property investors through the complexities of adding value to properties in today's market. KEY TAKEAWAYS The book "Financial Freedom" is aimed at individuals who are looking to undertake significant renovation projects to add value to properties, particularly those who have a mindset geared towards property investment. The traditional BRRR (Buy, Refurbish, Rent, Refinance) strategy has evolved into the BDRR (Buy, Develop, Refurbish, Rent) approach, reflecting the increased complexity of property development due to stricter regulations and compliance requirements. A critical aspect of successful property investment is understanding and managing financing correctly. Many investors make mistakes in this area, which can hinder their ability to move forward with deals. Continuous education and having a coach are essential for success in property investment. They help investors recognise blind spots and provide guidance through the complexities of property development. BEST MOMENTS "It's really for people who are, their mindset isn't in the right place. We do talk a little bit on strategy and purpose, but really it's about the nuances of why what used to be a simple BRR strategy is now more complicated." "The number of times we talk to somebody and say, right, who's the most important person? And they say, oh, it's the builder. Well, the builder is the last person in the process." "If you're going to spend that money, you know, get the coach, get the education, read the book, get the systems and processes in place and spend that time up front." "When people are fearful, be greedy. Yes. And people are fearful. They are, definitely. So now is the time." VALUABLE RESOURCES To get your own copy of Tim and Phil's Financial Freedom book, Click here https://www.amazon.co.uk/dp/B0G2BLRBZK To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon discusses the origins of the concept behind the book "Property Magic" and discusses the innovative strategy of buying property with none of your own money through a same day remortgage. After the method was largely unavailable following the 2008 financial crisis, he reveals that it has made a comeback, allowing investors to purchase properties significantly below market value and quickly recycle their cash KEY TAKEAWAYS The concept of buying property using a same day remortgage has returned, allowing investors to purchase properties without using their own money by quickly refinancing after acquisition. Understanding and actively seeking motivated sellers—those willing to sell below market value due to personal circumstances—can lead to significant investment opportunities. Investors can utilise bridging finance to purchase properties for cash, which is then paid back through a remortgage on the same day, enabling a no-money-down strategy if the property is bought at a substantial discount. The property and mortgage markets are constantly changing, and it's crucial for investors to stay informed about new lending options and strategies to maximise their investment potential. BEST MOMENTS "I was able to buy that property 36% below market value... he avoided repossession, and he remained renting that property from me until the day he passed away." "The mortgage market is always changing. And there is a lender who right now will do a same day remortgage." "If you believe you can or believe you can't, you're absolutely right." "Now is the opportunity. Take action. Come and secure that online training with me." VALUABLE RESOURCES If you want to learn more about Same Day remortgages register here: https://property.isrefer.com/go/SDRW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon discusses how to protect yourself from bad tenants, especially in light of the new Renters' Rights Bill, which marks the largest change to the private rental sector in 30 years, warning that this legislation may lead to an increase in "professional bad tenants" who take advantage of uninformed landlords. KEY TAKEAWAYS Landlords must treat their property investing like a business, be educated on their responsibilities, and cannot abdicate responsibility, even if they use a letting agent. The Renters' Rights Bill increases the risk of rent repayment orders (up to 24 months' rent) if compliance is neglected. Ensure all prescribed paperwork and safety certificates are shared with tenants at the correct time. To pursue a tenant for unpaid rent (you have up to six years), gather their full name, date of birth, and National Insurance number (from their payslip). This allows you to claim money back via MoneyClaim.gov.uk. Landlords should check every six months for new selective licensing requirements in their property's area. Also, ensure the correspondence address on the Land Registry is up-to-date to receive official notices. BEST MOMENTS "With the Renters' Rights Bill coming in, which is the largest change in 30 years to the private rental sector, there's no doubt in my mind there's going to be an increase in professional bad tenants." "You must treat your investing like a business." "You can't treat your property investing as a hobby, as a side hustle. Even if it's part-time, you must treat your investing like a business." "You are driving by looking in the rearview mirror." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon addresses a common question among property investors: whether it's better to buy houses or apartments? He discusses the pros and cons of both property types, highlighting that while apartments can be appealing due to lower maintenance and costs, houses generally offer better long-term capital growth and investment potential KEY TAKEAWAYS While both houses and apartments have their pros and cons, houses are generally favoured for long-term capital growth due to their potential for value addition through renovations and extensions. Apartments often come with service charges that can reduce cash flow for landlords, whereas freehold houses do not have these additional costs, making them potentially more profitable in the long run. In the current property market, buying off-plan properties (new builds) is discouraged due to uncertain growth prospects and the risk of tying up deposit money without immediate returns. Apartments typically have leasehold agreements, which can decrease in value as the lease term shortens. Properties with short leases can present investment opportunities if the lease is extended, allowing for better financing options. BEST MOMENTS "Many property investors like to buy apartments, and there's some very valid reasons for buying apartments." "I have personally experienced much better long-term capital growth from my houses rather than my apartments." "If I was to start again, I probably would only buy houses and not buy apartments." "In the current property market, we're not seeing a lot of growth... why on earth would you want to buy something that you have to wait?" VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon focuses on strategies for refinancing properties and specifically the concept of momentum investing, explaining how most investors wait years for a property's value to naturally appreciate before refinancing, a slow method. KEY TAKEAWAYS The traditional property investment approach involves buying, waiting several years for natural value appreciation, and then refinancing. Momentum investing, in contrast, is a faster strategy where you buy below market value, add value, and refinance after about six months You don't have to evict tenants to conduct a refurbishment. Making improvements, especially to communal areas, while tenants remain in place saves on void periods (no rental income) and other ongoing costs If you plan to refinance quickly using momentum investing, you should avoid two, three, or five-year fixed-rate mortgages. Instead, use bridging finance or cash, as these options allow you to refinance after six months without incurring large early redemption charges BEST MOMENTS "What we do is we get bridging finance where there are no penalties. It's a higher interest rate but it's still cheaper than having to pay big repayment penalties." "If you can possibly have before pictures they see what it looked like before the work was done, they see what it looked like now, that also helps them understand that you've added value to the property." "I would highly recommend to maximise the valuation when you're doing refinances, take the time just to put a two-pager document together with the information I've shared with you." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the concept of turning "lead into gold" within property investment, a metaphor for acquiring a seemingly problematic or underperforming property and transforming it into a highly profitable asset. The "lead" is often a property being sold by a retiring or struggling landlord who sees it as a burden, possibly due to low rents, maintenance issues, or a lack of creative strategy… KEY TAKEAWAYS Unlike investing in physical gold, which does not provide income, property investment offers both income and capital growth over the long term, and allows for the use of borrowed money (leverage). The phrase "turning lead into gold" refers to acquiring a property that is a problem for the existing landlord (the "lead") and using a fresh, creative strategy Many retiring or struggling landlords are not maximising their property's potential—often by keeping rents too low, neglecting maintenance, or only using a single, restrictive strategy The opportunity for new investors is to approach the property with a fresh pair of eyes, recognising ways to improve the standards, change the tenant type, or implement development strategies BEST MOMENTS "The big problem with gold is that you can hold it but it doesn't actually give you any income" "They're probably not maximising that property, not making the most out of it. Probably the rents are not as high as they could be... because if you've got a good tenant in the property, you're inclined to keep that tenant there." "They might have been investing for 20 years, but they might have just had one strategy and one way of using that property... That doesn't mean they know more than you." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

This episode is dedicated to helping property investors overcome the common challenge of running out of their own money by using other people's money. The solution lies in raising one's personal profile, with Simon outlining three essential steps: consistently documenting your property journey on social media, actively seeking out and attending property networking events to meet potential investors, and preparing a concise, powerful elevator pitch KEY TAKEAWAYS The biggest challenge for most property investors is running out of their own money, which can be solved by learning how to use other people's money (OPM). To attract OPM, people need to know about you, know what you are doing, and know that you are competent, which requires consistently documenting your property journey on social media. When posting on social media, include sentences like: "My new property business is I help people who need to sell property quickly, and I help investors get a great return on their money" to be clear about your offering. Investors should actively attend paid networking and training events to meet other investors who may have money but lack the time or knowledge to find deals themselves, and be ready with a clear, concise 15-20 second elevator pitch. BEST MOMENTS "The solution to that is start using other people's money. But for you to be able to use other people's money, people need to know about you." "If someone is going to lend you money, first of all, they need to be aware of you. They need to know what you're doing, and also they need to know that you know what you're doing." "I pay referrers fees. If you bring something to me and I end up buying their block of flats, I'll happily pay you a nice finders fee for your trouble." "Think about what you're saying, write it down, script it, make sure it comes off the tongue so you can think about how you present it and use that opportunity. Remember, short and sweet is better. 15 to 20 seconds is all you need." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠ pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/