Buying Property Without having to Spend A Single Penny of Your Own Money on Fees!! Part 4

Learn how to assess its value:
· What are the sold prices of properties within the last 3 – 6 months within the same
· What is the market trend in that area since the last property was sold?
· Is their an over saturation of this type of property in the area which may drive down
· What figure can you give to the additional special features your property may have!
· Is the property in question in a fantastic or poor condition in regards to what has sold
recently in the area?
· Is there a demand for this type of property in the area!
Remember this will take practice because your assessment of a properties value will only be
validated when a RICS surveyor visits the property and confirms the value you believed!
All of the above must be done before you even see the property in question. If you become an
expert at doing this you will save yourself time and money and make the evaluation process
simple when you actually visit the property in question!
4. Secure Your deal!
Remember one of the most important factors allowing you to buy without putting any money
into the deal will rely on the type of BMV (below market value) discount your receive in the
deal from the vendor. With this said when you actually find a fantastic BMV deal you must
have the tools to secure the deal. This is vital, You do not wish to fall into the habit of trying to
purchase a property from a vendor who is hesitant or deep down doesn’t want to sell their
home to you because take it from me, I have learnt from experience that your deal will only
end in disappointment and end up falling through!
The tool You require to secure your deals must be in the form of legally binding
documentation! This must state the agreed sale price between you and the vendor and must
be signed by all parties. This documentation will also include a time frame you will complete
on the property purchase. This will often serve as a psychological tool to reinforcing your
commitment to the vendor that you will guarantee to buy their property!
With this said you must understand that you have to display a confidence and professionalism
to build a rapport with the vendor. This relationship will allow the vendor to trust and respect
your ability to Buy their property and solve their immediate situation. Only when you have built
this rapport will a vendor be willing to sign a legally binding contract to sell their property to
you for a price less than the property is worth!
5. Always Complete!
If you understand all of the above you must always complete on your deals!
You will have sourced specialist help who allowed you to move quick and decisively. You will
have done all your diligence and will be certain of its value. You will know that the property
you are buying is Below Market Value and you will be getting a real deal if you purchase it at
the agreed price between you and the vendor!
FREE REPORT – “A Guide to Buying Property whilst making hundreds of thousands of
pounds without having to spend a single penny in fees!”
The Secret!
The key to buying property without paying any fees whilst making money in the process is to
understand the difference between what something is worth and what you pay for it.
The secret is in the understanding and the ability to raise finance for your property purchase
against what its value is and not what you pay for it!
The Secret Revealed!
Let’s use a real example:
‘John’ has recently lost his job and is consequently in mortgage arrears after missing 6
months of mortgage payments. He has been threatened with repossession by his lender if he
cannot pay his arrears plus his next mortgage payment promptly. He needs to sought out his
situation fast!
He owns a 2 bed mid terrace property in Leeds which is worth £100,000
John has a £53,000 mortgage plus £6,000 in interest and fees!
You have been made aware of his situation by a family friend and have approached john,
offering to buy his property fast to stop his repossession!
After doing your own diligence on the property you agree his property is worth 100k. You
make him a cash offer of 80k for his property which you raise, in cash, using creative finance.
John accepts this offer and is thoroughly happy with the offer! That amount will allow him to
clear his arrears and move on with his life with £27,000 in cash in his pocket!
You do the deal and now own his property, but here’s the trick, you now need to repay the
creative finance you borrowed to buy the property.
Now pay intention!…..
You will now have to get a mortgage, in this case, as a first time buyer, you get an 85% loan
to value (ltv), on the value of your property i.e. £100,000
This means you will be borrowed £85,000 for a property which only cost you £80,000 to
Leaving you with:
a) Your first creatively financed property that you can either live in or rent out for a
healthy £550 pcm
b) A vendor ‘John’ who is extremely happy at how quick and professionally you dealt
with him.
c) £5,000 in cash returned to you in from your specialist solicitors. Of which you will pay
approximately £2,000 in legal fees and finance fees allowing you to pocket £3,000
d) Instant £15,000 in equity from the 15% deposit covered from the creative finance
facility used to cover your mortgage deposit.
(Hopefully at this point you have a big smile on your face!….)


Buying Property Without having to Spend A Single Penny of Your Own Money on Fees!!” Part 3

So, let’s get started!
Before I tell you the secret I want you to understand the components of this type of property
1. Find good help!
Regardless of the Creative Finance technique you are about to discover the whole strategy is
underpinned by Your ability to get a mortgage! This is ultimately where the cash comes from!
You must have access to professional whole of the market broker who is familiar with
creatively financed property deals.
Remember a general rule of thumb for what type of Loan To Value (ltv) you can receive from
the bank is 5 times your earnings! So if you earn £30,000 per year a lender will genuinely
borough you no more than £150,000. Though this is not always the case and does not equate
for a secondary earnings i.e. as a self employed part time hair dresser. And it also does not
equate for a joint application which often doubles you loan amount.
You must work with trusted brokers who have access to all of the mortgage products on the
market (whole of the market) and be able to narrow down the best products for individual
deals depending on your investment strategy and future goals.
You have got to insure you establish a relationship with a specialist solicitor who is
familiar with quick conveyancing using creative finance.
Your solicitor will ultimately do all the legal work necessary for you to own a property which is
vital to your deals. They will control the movement of money between a) You, b) the lender, c)
a creative finance facility, and d) the vendor Therefore they will need to be familiar with all the
techniques employed in this type of investment mechanism. Your deals will only be as strong
as your weakest link and a weak inexperienced solicitor can easily become your weakest link!
2. Deal with motivated sellers!
The rule of learning how to Buy Property without having to pay a penny in Fees, is to always
buy property which is Below Market Value!
Never pay the Market Value or Above the market value for property! I generally try to apply
this rule to my life! We all do it, instead of paying the full price for a used car we try and
negotiate a deal!
We offer a price which is less than the asking price and/or the market value if we offer to buy
it right now! This is an incentive to the seller that may be willing to sell for a discounted price
to secure the property deal at that moment! This is especially powerful if the seller ‘is
Purchasing property without paying any fees is ultimately down to the deal you’re getting from
the vendor. The better the deal i.e.; The greater the discount below the market value the more
attractive the deal becomes. The more motivated a vendor is to sell the more likely It is for
You to negotiate a better deal and ultimately a better price you will pay for his/her property!
Motivated sellers are individuals whose need to sell is based upon more than just the best
price they can achieve for their property. Motivated sellers are willing to sell for a lesser price
FREE REPORT – “A Guide to Buying Property whilst making hundreds of thousands of
pounds without having to spend a single penny in fees!”
for reasons other than purely financial gain and the majority of them are underpinned by
speed and flexibility!
know what you’re thinking………….why would anyone sell you their home for less than its
Well I will list you a few examples and I’m sure you’ll get the picture:
Motivated sellers will sell their property for less than its worth to:
· Avoid Repossession – a vendor will settle at a price below market value if it will
settle their debts and avoid them being repossessed by the banks!
· To Release Cash – If a vendor finds themselves in financial difficultly they may be
willing to sell their property below the market value to insure they settle their debts
and not incur additional charges from their lender.
· To Secure another property purchase – many sellers rely on the funds from the
sale of one property when they need to buy another property (i.e. They are in a
chain). Sometimes this type of vendor will take a bmv price on their property to buy to
insure they don’t lose that dream property.
· Move abroad fast – relocate or immigrate …. this could be due to work or retirement
· Ill health – some vendors who find themselves in a state of ill health are not
motivated by money and may need to sell fast for various reasons.
· Divorce – When vendors split it is often an emotionally charged environment where a
couple often wish to settle their assets as quickly as possible to avoid additional
· Probate – after a family member dies often the beneficiaries would like access to
their share as soon as possible.
· Plus many more………..
3. Research Your Property Thoroughly
You must learn how to assess whether or not a deal is in fact a deal. That means being able
to research and evaluate a properties potential. This is very important. You will be responsible
for making a decision of whether or not the property you buy Is indeed worth buying or not
and this cant be done buy just looking at what the estate agents are asking for it!
You must be able to assess the ‘property stats’.
· What type of property is it?
· What style of property is it?
· How many bedrooms does it have?
· How many reception rooms does it have?
· What is the general condition of the property?
· What are the positives and negatives of its location?
· Does it have any additional features which may influence its value? (i.e. off street
parking, extensions, swimming pools etc.)
With this information known you must then begin your diligence process which will require you
to have internet access!
You will need to research other similar properties to the one you wish to purchase. You will

need to focus on ‘Sold Prices’ in this instance asking prices mean little, so don’t worry about
what the estate agents say unless they’ve sold one recently!

Buying Property Without having to Spend A Single Penny of Your Own Money on Fees!!” Part 2

I would like you to imagine a world where:
· You could be buying an Unlimited Amount of Property without having to spend a
single penny out of your own pocket!
· A world where after You spend absolutely none of your own money on these
properties You would Instantly Acquire Tens of Thousands of Pounds in Instant
· A world where after You could get paid Thousands of Pounds in Cash, after spending
none of Your own money… of course! Every time you purchase one of these
· And then what would I say if I told you that, given all of the things said above Now is
the Best Times in over 15 Years to be Buying Property as a medium to long term
investment because current property prices have fallen so low!
Do you think that the above statements are true?
If they were, do you think you could achieve some degree of success? Would you be able to
achieve your immediate goals? Would it allow you to achieve your long-term goals?
Do you think you could replicate this success and even teach these principles to your kids so
they could acquire expert knowledge and become successful with property?
Well you may have noticed but all of the above are rhetorical questions and if you bothered to
request this report You would have shouted ‘Yes’ and punched the air at every question! Lol
This Report
The purpose of this special report is to show you the best and only way to Buy property. It will
show you expert techniques to Buy Property (without having to pay any Fees associated with
a ‘normal’ sale)
As you were interested enough to order this report then chances are that you may have
already tried the estate agent route. You may have consulted a mortgage broker and even
begun missing meals to scrape together that ‘deposit money’. Well the first thing you need to
do is erase all that you think you may know about buying property! That ‘traditional’ school of
thought is not used here!
Well I know I’ve got your attention, since your still reading, the next few minutes will reveal
the guarded secrets of exactly how to:
1. Find the Perfect Properties that Pay You when You Buy…..
2. Finance Your Properties Purchase without spending a Penny…
3. Find the all important Specialist Solicitors …
4. Deal with Specialist Brokers…
FREE REPORT – “A Guide to Buying Property whilst making hundreds of thousands of
pounds without having to spend a single penny in fees!”
5. Use Expert Strategies to insure huge returns on your investments….
Are You Sceptical Yet?
hope so, because if you’re not I’m very surprised! The majority of investors not familiar with
this fantastic investment mechanism, at this point are wondering, what’s ‘the catch’
Well the answer to this question is…..
..There is no catch!
With a little work, basic marketing and the expert knowledge you are about to learn you will no
longer have to go to an estate agent to find property, property will find you!
You will no longer be concerned about buying on a specific road but will focusing on buying in
a specific area for specific reasons!
Remember your mentality must change! The impact of being able to buy property without
parting with an average of £40,000 means that you can look at property in a totally different
The information contained in this report will be especially powerful if You are a:
· First Time Buyers
o This information will allow first time buyers an opportunity they may otherwise
never have. To possess the knowledge to buy property without having to pay
any fees makes home ownership a real possibility, oppose to a life long
· Buy to Let Investors
o Buy to let investors have recently been scared by the fall in house prices
However the knowledge you are about to acquire will allow you to continue
investing in property with little to no risk!
· Second home, owners
o Many homeowners who require a second property for family, a pension plan
or possibly as a holiday home do not have to face the dilemma of leveraging
their own home to buy another you can feel confident that the equity in your
1st home is secure and the purchase of your second home will be something
you don’t have to worry about!

Buying Property Without having to Spend A Single Penny of Your Own Money on Fees!!”

How To Use This Special Report…
This special report will help you best when it is printed out and read in hard copy format. This
allows you to easily and quickly flick through the report and highlight the most important
sections. You can also make notes as you go along, directly onto the report itself.
That’s the formalities covered. Let’s crack on with revealing the closely guarded secrets you
need to know if you want to buy property and make thousands in the process at absolutely no
cost to you…
The very best way for you to get the most out of this special report, is to print out the
report and read it at least twice (making notes as you go along). File the report away as
a handy reference guide.
I advise you to read through the whole special report in one sitting if you can.

FREE REPORT – “A Guide to Buying Property whilst making hundreds of thousands of
pounds without having to spend a single penny in fees!”
This report will show you the most guarded secrets you must know if you want to buy property
whilst making hundreds of thousands of pounds without you ever having to spend a single
penny in fees!
The report is equally useful if you are looking to purchase your first home, or broaden your
investment portfolio or are simply trying to invest like the professionals do Which is; ‘at
absolutely no cost!”
As you’ve taken the trouble to order this special report, You probably want to buy property
sooner rather than later as you may have heard that now due to a monumental fall in property
prices now is the best time in over 15 years to buy property!
“If you have little or No money to invest Buying property can
be near impossible!”
Take it from me I have been in the exact same position as you. A few years ago I couldn’t
have imagined owning a portfolio of nearly 200 properties with hard cash in the bank and
millions in equity! How would working class Andy, son of a care-taker and dinner lady with
exactly £633.46 in my savings account start buying property and making a living from it? ….
And I give you my word I’m not exaggerating! So….if I can do it …Anyone can!
When trying to buy property the traditional way you have to carefully plan for everything I
mean it is more like a life or death situation than a simple investment decision!. 9.5 times out
of 10 this is normally due to you having to spend every last penny you and more than likely
your partner has saved over Your entire lifetime.
Just look at what’s involved in a traditional property
Lets take a humble 2 bedroom property in London which on average will set you back
1. An average buyer will need to save for a deposit of at least 15% which in this case
will be £34,500 in cash!
2. This is excluding the fact that on a property of this value you will need to pay our
lovely government stamp duty of 1% which in this case will be £2,300 taking are
grand total to £36,800
3. Then…(because that’s not all!) You will need to pay conveyancing fees, legal search
fees, and valuation fees which if your lucky could cost you in excess of £2,000 taking
us up to a hefty £38,800 in cash!
4. And I haven’t finished yet!…..We will also have to put a figure on the time you will
have to allocate to (a) view properties, (b) find solicitors and (c) deal with mortgage
brokers!. This ultimately means ‘time off work’ and travelling, not to mention constant
phone calls between yourself and all the other individuals involved!
So… Let’s just take the national average of 6 weeks and 20 viewings to find a
suitable property! So hmmmmm.. What value should we give this?….lets just say a
very conservative £1,000 for argument sake! Taking our Grand Total to a healthy
£39,800 in cash!
Now I know what you’re thinking! That’s just how it is and how it’s always been! But I’m going
to throw a spanner in the works and say that this has not been how it’s always been. Once
upon a time property prices and deposits were realistic in relation to income but we all know
FREE REPORT – “A Guide to Buying Property whilst making hundreds of thousands of
pounds without having to spend a single penny in fees!”
property prices have been rising far quicker than our salaries! The average person has
approximately £12,000 in the saving account meaning that unless You have a partner saving
just as much as you, who is also willing to bear the burden of a mortgage with You for an
agreed period of at least 25 years, You will never be able to afford an average property in
London! Harsh but true!
On the other hand if you actually have £40k in cash available to sink in to bricks and mortar
whether it be your first property, a family home or simply an investment would you honestly
choose to if you didn’t have to? Surely you could find something else to spend £40,000 in
cash on……..Surely!

Watch for next part to follow