Episodes
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Rents are increasing at a rapid pace which is of course good news for investors but is it sustainable or are we approaching a turning point in the UK rental market?
In this episode, we'll unpack why the rental market is experiencing such intense demand and high rental rates, reveal our predictions on whether sky-rocketing rents will continue and if investors should expect to see their rental returns increase.
We'll also discuss
Do we see rent controls in the future?Will rents continue to increase?The explosion in demand What’s happening to the supply of rental properties in the UK?Can tenants afford these rents?What does the future hold for rents?Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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Let's get into what's really going on in the property market and more importantly, what does that mean for people looking to invest over the next 6 months?
In this episode, we’re diving into the latest shifts in the property market and, more importantly, what they mean for YOU. Whether you're a landlord, investor, or someone thinking about jumping into property, the changes happening right now will impact your decisions over the next few months.
Here’s what we’ll cover:
How Labour’s policies could affect your property portfolio and future opportunities What the upcoming Autumn Budget might mean for your next move in the market Key changes in the Renters Reform Bill – What every landlord needs to know Potential Capital Gains Tax hikes and how they could create buying opportunities for savvy investors How inflation and interest rate cuts could boost your rental profits The latest on rent trends for 2024 and what to expect in 2025Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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Missing episodes?
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In this episode of The Property Perspective, we dive into the big changes coming from Labour's new Renters' Rights Bill, that every BTL property investor should be aware of.
No more 'no-fault' evictions – What does this mean for your rights as a landlord?
New rent increase rules – Find out how often and how much you can raise rent.
Evictions for non-payment – What happens when tenants fall behind on rent?
Changes to discrimination laws – How will this impact who you can rent to?
We also discuss a new landlord database, stricter rules around bidding wars, and what these reforms mean for your property business in the long run.
If you're a landlord, tenant, or property investor, you can't afford to miss this!
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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With a surprise BOE base rate cut at the beginning of the month and inflation stabilising, mortgage rates are now predicted to fall.
But aside from the increase in monthly rental returns, what does this all mean for us as property investors?
How will it affect the property market?
Will we see property prices increase?
What about the discounts we’ve been getting, will they disappear?
I recently sat down with Bob Singh from Chess Mortgages to break it all down and get his expert view on all things property, the market, and of course, mortgages.
We discussed:
When should we start seeing the mortgage rates drop and what does it mean for your next deal? Is the Window Of Opportunity closing?The truth behind the Labour government’s housing pledge—can they really build 1.5 million homes?Property prices— are they going to rise?The North vs. South debate—where can you find the best buy-to-let yieldsIf you’re looking to invest in property & want to know what’s really going on, then this is a must-watch!
Connect with Bob
Bob Singh is the managing director of Chess Mortgages which offers bespoke and expert mortgage advice. Bob has over 42 years of FS experience and with his ear constantly close to the ground, he is a fountain of knowledge when it comes to the UK mortgage market.
LinkedIn: https://www.linkedin.com/in/bob-singh-chess-mortgages-chess-capital-5ba074167/
Website https://chessmortgages.co.uk/
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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Are you waiting until you have all the cash to start your property investment journey? You might be holding yourself back!
In this episode, we tackle a common misconception: the idea that you need all the money upfront to get started. The truth? You can kick off your investment with just £12,995!
We'll break down the real numbers and show you how waiting for the full amount could mean missing out on prime opportunities. Join us to uncover the simple steps to get started today without needing the full amount right away.
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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So how do you build a property portfolio with no up-front cash?
Not everyone has thousands in savings or has inherited a vast sum of money from a relative but without realising it, you could be sat on thousands of pounds that you could use to invest in property.
What am I talking about?
Your own home.
In our latest Property Perspective, we will show you how you can unlock the equity in your home and use the power of a BTL mortgage to not only fund your very own BTL property investment but also pay towards the mortgage on your own home.
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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Is this the threesome you’ve been waiting for?
Achieving a healthy body, abundant wealth and a positive mindset is considered by many to be the ‘Trifecta of Success’.
But in today’s busy & hectic world, surely it can’t be possible to achieve all three?
That’s why I’m super excited for this special podcast episode as I am joined by two phenomenal guests and friends, Akash Vaghela from RNT Fitness & Dipesh Virji from the Mindset Creator Podcast, as we discuss and uncover the secrets to achieving a balanced and fulfilling life and reveal if it’s even possible?
In this episode, we uncover:
How prioritizing your health impacts your ability to achieve your goals. Learn simple yet effective exercises, the importance of a balanced diet, and tips to maintain your physical health amidst a busy schedule.Why stepping out of your comfort zone is crucial for a growth mindset. Discover techniques to develop a positive mindset, manage stress, and build resilience.Discover the importance of financial planning, and creating multiple income streams to build long-term financial security. Learn how banking experience can compound growth and why all success begins with imagination.The question on everyone’s lips - Can you have it all?Whether you’re aiming to boost your physical health, sharpen your mindset, or achieve financial independence, this episode is packed to the rafters with valuable information and practical advice that you can implement right away.
Connect with Akash
Instagram - https://www.instagram.com/akashvaghela/
www.rntfitness.com
Connect with Dipesh
Instagram - https://www.instagram.com/dipeshvirji/
www.dipeshvirji.com
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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From strong rental yields and stable appreciation to the protection of investor rights, we can understand why many foreign investors are flocking to the UK to invest their money in property.
But for overseas buyers, navigating the UK property market can be a challenge, with the potential time zone differences, communication barriers, and unfamiliarity with the UK property market nuances.
We recently met up with our client Amar in sunny Mexico, who like many expats, understood the benefits of investing in the UK property market but couldn’t be on the ground to get it up and running.
Listen to our latest episode as he reveals why he chose to invest in the Leeds property market and how by choosing to invest with a property sourcing company like ours, he was able to keep roots in the UK and invest in a property that is creating long term security for his future.
If you’re based abroad but have been thinking about investing in the UK property market and want to hear how you too can invest in property, just like Amar, you won’t want to miss this episode.
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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Should you purchase an investment property in your personal name or in a limited company?
It's a decision that can halve your returns if answered incorrectly so I am really pleased to be joined by Prash Chauhan from VPC Accountants to help us review the key considerations, advantages, and disadvantages of both approaches.
In this episode we talk about:
✅ Staying ahead of the curve with new tax laws - will they affect your investments?
✅ Is it still worth investing in property through a limited company?
✅ Surprise expenses you can cover
✅ How to get a £50k car for just £400!
✅ How to ensure your children get your property (and not the tax man)
✅ How buying in a Ltd company can help you reap the benefits of investing in property now, as well as in the future!
If you haven't already, make sure you hit that subscribe button!
Whether you're a seasoned investor looking to optimise your portfolio or a first time investor navigating the complexities of getting started in property, you won’t want to miss this episode.
Connect with VPC Accountants
VPC is a chartered accountancy practice that specialises in providing tailored accountancy services to businesses in the UK.
You can connect with VPC via email [email protected]
Check out their website www.vpcaccountants.com
Follow them on Instagram
https://www.instagram.com/vpc.accountants/?hl=en
Connect With Us
We specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.
If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.
Follow us on social media for more investing tips ⬇️
Instagram
https://www.instagram.com/lifestylepropertypeople/
Facebook
https://www.facebook.com/lifestylepropertypeopleuk/
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With the news that a mortgage price war has opened up between lenders, with over 20 lenders cutting their buy-to-let mortgage rates in 2024, many investors are now wondering, should I fix for 2 years or 5 years?
In the hope of making some sense of it all, we recently invited Tom Barrass from Marquis Financial Services onto our channel, to get his expert view on this common question.
As an experienced mortgage advisor, he has his ear constantly to the ground and he really does have a knack for making the complicated UK mortgage market, uncomplicated so it was great to get his take on the subject.
Here’s a little of what we discussed.
✅ How to find the right mortgage for you
✅ Which is best? A 2-year or 5-year mortgage
✅ The importance & necessity of mortgage advisors
✅ Property market predictions – where do we think rates & property prices will go
For anyone who is looking at getting a mortgage or may be looking to remortgage their property in the next 6 months, this is a must-listen!
Connect with Tom
Together with Ian Pollock, Tom established Marquis Financial Services in 2007.
With access to more than 12,000 products from over 90 lenders, he can guide you through the entire mortgage process with ease. Whether you’re a first-time buyer, need to remortgage, or are looking to let out a property, Tom will find the right deal to suit you and your personal situation.
You can find his website here or if you prefer, you can email him [email protected]
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Hot topics we spoke about:
❗Is the recent news around the base rate good or bad?
❗What the current base rate means for savers & investors?
❗How can interest rates be going down if the base rate is the same?
❗What do mortgage rates look like right now & what do we think they will they come down to?
❗When do we think the base rate will start to go down?
❗Should you fix your mortgage for 2 years or 5 years?
❗Is it still a good time to buy property?
❗Bhaven’s top piece of mortgage advice
For anyone who is looking at getting a mortgage or may be looking to remortgage their property in the next 6 months, this is a must-listen!
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As a property investor, your investments are not just assets; they are a part of your legacy. In this podcast, we spoke with Akash Desai from OnPoint Mortgages, and explored the significance of having life insurance to safeguard both your property portfolio and your loved ones' financial well-being should the unexpected happen.
The importance of having insurance as a buy-to-let property investorThe types of insurance available to youExplore how life insurance can help protect your loved ones & provide a safety net against inheritance tax obligationsThe key strategies & benefits of incorporating life insurance into your investment plansHow to fortify your property empire against unforeseen circumstancesWhat key factors you should consider when choosing life insurance
Tune in as we uncover:
Whether you're a seasoned property investor or just starting your journey, "Securing Your Legacy" equips you with the essential information you need to protect your investments and ensure your loved ones are financially secure if the unexpected occurs.
Tune in to our podcast and learn how to safeguard your legacy today!
🖊️ Bio Details
Akash is the Co-Founder of OnPoint Mortgages, and the visionary behind The Black Box (preparing you for Life After Death)
The Black Box is more than a solution; it's a promise to safeguard the legacies of individuals, families, and businesses. Think of it as a personalised, hand-held service that expertly guides you through the labyrinth of planning.
As a dedicated Wealth Protection Advisor, he specialises in designing robust strategies that act as impenetrable shields for you, your loved ones, and your hard-earned assets. With unwavering attention to legacy preservation, he & his team ensures that your assets are distributed exactly as you desire.BE HIS FRIEND:
Instagram - https://www.instagram.com/business_warrior/
LinkedIn - https://www.linkedin.com/in/akash-desai-52785622/?originalSubdomain=uk
Website - https://www.onpointmortgages.com/
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With the news of mortgage interest rates falling from their highs of 6%+, many people have decided to wait until the interest rates drop further before they invest their money into an investment property.
And yes, on the face of it, this seems like a great idea – why would you want to invest when rates are the highest we’ve seen for a long time?
But what if we told you that’s a bad idea, and by investing now, you can stay ahead of the pack and in fact make more money from property than by waiting?
In todays podcast episode, Shiv reveals all.
For anyone who is looking to invest their money into property but thinks it's best to wait, you won’t want to miss this!
If this has convinced you that now is the best time to invest in property and you would like to see how we can help you invest in property with our hands-free, end to end service, click the link below to visit our website where you can find out all about our service and chat with us on WhatsApp.
www.lifestylepropertypeople.co.uk -
The UK mortgage market is constantly evolving making it EXTREMELY hard to keep up 😫
With so much noise and jargon around, it's extremely difficult to get a grasp of what is happening and how it affects you as a property investor.
So to help break through the noise, we had a chat with our friend Bob Singh from Chess Mortgages.
Like us, he is in the ‘thick of it’ day in and day out so has some great insight into what he is seeing in the mortgage markets.
Hot topics we spoke about:
❗The current state of the UK economy & mortgage market
❗Pitfalls investors need to be aware of when seeking mortgages in today’s market
❗The impact of supply & demand on rental prices & what you need to do as an investor
❗Which is the better option right now? Fixed or variable mortgages? 2 year or 5 year
❗The unique opportunities for property investors in the current Northern property market but why you need to act quickly
❗His predictions for mortgage rates over the next year
❗Why investing in property is still the smart move
❗Debunk some of the common myths he is hearing right now
This is a must listen for anyone looking to invest their money in 2023 & wants to know what’s really happening in the mortgage markets. Enjoy!
🖊️ Bio DetailsBob Singh is the managing director of Chess Mortgages which offers bespoke and expert mortgage advice. Bob has over 42 years of FS experience and with his ear constantly close to the ground, he is a fountain of knowledge when it comes to the UK mortgage market.
BE HIS FRIEND:
🙋♂️ LinkedIn: https://www.linkedin.com/in/bob-singh-chess-mortgages-chess-capital-5ba074167/
Website https://chessmortgages.co.uk/
Shiv Haria is a Business owner, Property Investor, Speaker and mentor. In 2013, following his mum’s heart attacks= and her subsequent inability to work, Shiv was driven to do something to create an additional income stream for his parents’ retirement. After building a property portfolio for himself and his family, Shiv began getting requests from his friends to help them invest and realised that this was a problem that had not yet been solved.
In 2016, Lifestyle Property People was born. Our company specialises in helping busy professionals and business owners invest in the Northern property market by offering a hands-free, end-to-end service, and Shiv’s passion for the ability for property to create a hassle-free income stream in evident to all his clients and supporters.
BE OUR FRIEND:
📸 Instagram - https://instagram.com/lifestylepropertypeople
🙋♂️ Facebook - https://www.facebook.com/lifestylepropertypeopleuk/
GET IN TOUCH: We'd love to hear from you. Sending us a DM @lifestylepropertypeople on Instagram is the quickest way to get in touch with us.
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Welcome to The Buy To Let Property Podcast from Lifestyle Property People, where we discuss all things property and investing.
I'm your host, Shiv Haria, and in today's episode, we have an incredible success story that will inspire you to get your hard-earned money working for you.
We all know that money sitting idle in a bank account is a missed opportunity. But what if there was a way to put your money to work without all the associated effort and risk?
Our guest, Minal, was in a similar situation. As a successful dentist, she had savings that were just lying around, not being used to grow her wealth. But that's now changed!
We'll hear how Minal leveraged her money to invest in a buy-to-let property and transformed her financial outlook, all without upsetting her busy lifestyle.
It's a story of financial empowerment, making informed decisions, and achieving your goals, even when the odds seem stacked against you.
So, if you've ever thought that investing seems like a bit of a maze, this episode is a must-listen. Stay tuned as we share the steps, the challenges, and the triumphs of Minal's journey to financial success.
If you haven't already, make sure to hit that subscribe button so you never miss an episode of The Buy To Let Property Podcast. And if you find value in today's episode, please leave us a review so we can get the word out to more listeners like you.
Alright, let's jump into today's episode.
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SECURE YOUR CHILDREN’S FUTURE
Do you think about the financial pressures your children will face when they are older, like how they will afford their first home?
Do you want to be able to provide for your children by giving them opportunities and experiences that you never had?
We’ll, you’re not alone.
One of the biggest reasons people are looking to invest their money now is so they can support their children financially in the future.
Whether that is giving them a leg up in the world so they can do what they want with their lives or opening up opportunities for them to be the best that they can be.
Our MD, Shiv is no different.
Listen to our latest podcast episode where he contemplates what life would be like as a father, his goals for ensuring his children are prepared for the future, and the steps he is taking now to ensure their financial security in the future.
It’s a really great and thought-provoking episode for parents and future parents, which you won’t want to miss.
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🚨 The BOE raises the base rate to 5% as a result of inflation "taking a lot longer than expected" to come down.
In May, we saw the base rate increase to 4.5% and we have just seen the Bank of England raise the rate to a 15 year high of 5%
Understandably this news sways people’s opinions on whether now is the right time to be spending their money, never mind investing it 🫣
Join us as we do a deep dive on base rates, what they are, why are they rising and what you can do to protect yourself and your investments against these rising rates, as well as the opportunities that are currently waiting for you.
Remember you are not helpless in this situation.
There are steps you can take to educate yourself, protect yourself, take back control and make some serious cash while doing it! -
🖊️ Bio Details
Bhaven is the Managing Director of 1st Financial Foundations who specialise in mortgage and protection advice as well as full Financial Advice. With his ear constantly close to the ground, he is a fountain of knowledge when it comes to the UK mortgage market.
BE HIS FRIEND:
📸Instagram - https://www.instagram.com/1stfinancialfoundations/
🙋♂️Facebook https://www.facebook.com/1stff
Shiv Haria is a Business owner, Property Investor, Speaker and mentor.
In 2013, following his mum’s heart attacks and her subsequent inability to work, Shiv was driven to do something to create an additional income stream for his parents’ retirement.
After building a property portfolio for himself and his family, Shiv began getting requests from his friends to help them invest and realised that this was a problem that had not yet been solved. In 2016, Lifestyle Property People was born.
The company specialises in helping busy professionals and business owners invest in the Northern property market by offering a hands-free, end-to-end service, and Shiv’s passion for the ability for property to create a hassle-free income stream in evident to all his clients and supporters.
BE OUR FRIEND:
📸 Instagram - https://instagram.com/lifestyleproper...
🙋♂️ Facebook - https://www.facebook.com/lifestylepro...
GET IN TOUCH:
We'd love to hear from you. Sending us a DM @lifestylepropertypeople on Instagram is the quickest way to get a response. If you've got a more in-depth question, feel free to email us at [email protected]
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Creating financial security for your future is so important, now more than ever, but it is often something many people put off until it is too late.
Today we are joined by a friend and fellow investor Huw Davies, who runs a YouTube and Instagram account, @Huwsview, aimed at simplifying finance topics for ordinary people.
As an advocate for investing and creating financial security, it was really great to be able to sit down with Huw and discuss our own journeys, as well as share some great advice on what you can do to achieve financial freedom.
Enjoy!
🖊️ Bio Details
Huw Davies became financially independent in 2016, he built a 6-figure business from scratch, a stocks and shares portfolio he could live off, and a £1M property portfolio in less than 18 months.
He started a YouTube business focused on his passions – Finance, Fun and Philosophy. His aim is to help you become financially free whilst putting a smile on your face.
BE HIS FRIEND
📸 Instagram - https://instagram.com/huwsview
🐦 Twitter - https://twitter.com/huwsview
♪ Tik Tok - https://www.tiktok.com/@huwsview
Shiv Haria is a Business owner, Property Investor, Speaker and mentor.
In 2013, following his mum’s heart attacks and her subsequent inability to work, Shiv was driven to do something to create an additional income stream for his parents’ retirement.
After building a property portfolio for himself and his family, Shiv began getting requests from his friends to help them invest and realised that this was a problem that had not yet been solved. In 2016, Lifestyle Property People was born.
The company specialises in helping busy professionals and business owners invest in the Northern property market by offering a hands-free, end-to-end service, and Shiv’s passion for the ability for property to create a hassle-free income stream in evident to all his clients and supporters.
BE OUR FRIEND
📸 Instagram - https://instagram.com/lifestylepropertypeople
🙋♂️ Facebook - https://www.facebook.com/lifestylepropertypeopleleeds
GET IN TOUCH
We’d love to hear from you. Sending us a DM @lifestylepropertypeople on Instagram is the quickest way to get a response. If you've got a more in-depth question, feel free to email us at [email protected]
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With all the media coverage and speculation, it’s understandable that people feel uncertain about whether now is the right time to be investing in property
But, to put it bluntly, the majority of these opinions are UNEDUCATED & UNSOLICITED and come from people that are fearful or just don’t want you to have financial independence (after all, it isn’t in the interest of the powers that be)
So to help break through the noise, we had a chat with our friend Bob Singh from Chess Mortgages.
Like us, he is in the 'thick of it' day in and day out so has some great insight into what he is seeing in the property market.
✅ Listen to his expert views on what he thinks is going to happen to the property market over the next year
✅ Why there isn’t going to be a big property crash
✅ What’s happening in the mortgage market over the next year
✅ See why he believes that investing in property is still the smart move in 2023
For anyone looking to invest their money in 2023, you won’t want to miss this!
As you have heard in today's video, we are experiencing a once-in-a-decade opportunity. So if you've been thinking about investing in property, there has never been a better time to get started.
Want to have a chat with someone who is actively investing in buy-to-let property for himself and his clients? Click the link below to start a chat with our MD and founder, Shiv Haria.
https://bit.ly/3DZpgQG
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