Here we are! Episode 19 of 'Inside Property & Finance'—the podcast that takes you deep into the world of property growth, from zero to property hero! In this episode, Steve Hand and Paul Rawson from Express Mortgages delve into the fascinating journey of transforming from a first-time landlord or investor to a property entrepreneur with a portfolio that could have hundreds of properties.   Join us as we explore the diverse paths that individuals take to achieve property success. Some may take over 20 years, while others achieve remarkable results in a shorter span, all thanks to the power of knowledge. From the humble beginnings of a 2-bedroom starter Buy-to-Let to venturing into HMOs, Serviced Accommodation, expanding to a diversified Portfolio, transitioning from Commercial to Residential, and even building a New Build from the ground up.   Discover the key strategies that can propel your property growth and understand the pivotal role of expert advice and in-depth knowledge. As seasoned mortgage brokers with years of experience, Steve and Paul provide valuable insights into the various funding options available, each tailored to meet different needs and criteria.   But here's the real secret — whether you take 20 years or less to achieve your property goals, the difference lies in taking action, and thinking PROFIT. Learn how to leverage your success and roll it into the next project to truly accelerate your game.   Don't miss out on this wealth of knowledge and inspiration. Tune in to Episode 19 and take the first step towards your own property success story.

Welcome to Episode 18 of 'Inside Property & Finance' – the go-to podcast for all things property and investment strategies! In this episode, hosts Paul and Steve from Express Mortgages tackle a burning question for first-time landlords: What sort of property should you go for when diving into buy-to-let investments?   Comparing the decision to picking a life partner, Paul and Steve explore the nuances of property choices for budding landlords. Paul advocates for houses over apartments and breaks down the reasoning behind his preference. The duo delves into the crucial factor of risk assessment associated with different property types, providing valuable insights for those trying to figure out the complex world of property investments.   Drawing from their own extensive property portfolios, the hosts emphasise the paramount importance of location, emphasising that the key to a successful investment often lies in the mantra: location, location, location. Steve recounts his personal tale of two properties in Liverpool, situated just a 5-minute walk from each other. One thrived with impressive capital growth, while the other faced challenges – Steve candidly shares the reasons behind these outcomes.   In a fascinating twist, Paul puts Steve in a metaphorical time machine, prompting him to advise his 20-years-younger self on property investments with the knowledge he now possesses in 2024. Steve's insightful response? Be aggressive whilst you’re young, use your time for recovery, and leverage the use of other people's money even if you have a big pot of funds. He also stresses the importance of continuous education in the ever-evolving world of property and finance which we strongly advise checking out the education programmes at Paul McFadden Wealth.   Whether you're a seasoned investor or a first-time landlord, this episode is packed with practical tips, personal anecdotes, and strategic advice to guide you through the maze of property investment. Tune in to 'Inside Property & Finance' Episode 18 and take a step closer to mastering the art of real estate success!

Welcome to Episode 17 of 'Inside Property & Finance'! In this episode, hosts Steve Hand and Paul Rawson from Express Mortgages delve into the intriguing world of non-standard income sources. With a staggering 40% of the population deriving income from unconventional channels, understanding how to navigate the complexities is crucial.   Tune in as Steve and Paul reveal the challenges faced by clients seeking maximum borrowing for mortgages, whether it's for residential properties, buy-to-let investments, or bridging and development projects. The spotlight is on non-standard income streams, including complex income, self-employed earnings, and multiple sources of income.   Ever wondered about the hurdles faced by side hustles? Not all lenders embrace 100% of income from these ventures. And for the self-employed, the misconception of needing three years' worth of accounts is debunked – Steve and Paul set the record straight on what lenders really require.   Discover why turning to a broker is essential for non-standard income situations. While your own bank might suffice for using a fraction of additional income, a non-high street lender may be the key when you need to factor it all in. Luckily, Express Mortgages have exclusive access to such lenders that the general public may not be aware of or even have access to themselves.   But it's not just the self-employed facing challenges. Complex income affects the employed too, especially when it comes to overtime, bonuses, and allowances. Unravelling the intricacies of an NHS payslip may just make your head spin!   And for those with unique side hustles, fear not – whether you're selling photos of your feet or engaged in any unconventional income-generating activity, Express Mortgages’ mission is to find a lender who will recognise and consider it.   Don't miss out on the insights and valuable tips shared in Episode 17. It's a must-listen/watch for anyone earning non-standard income. Subscribe now and stay informed!

In our first episode of 2024, titled "New Year, New Mortgage," hosts Paul and Steve from Express Mortgages dive into the crucial topic of how to present yourself for a mortgage. As we kick off the year, it's time to break free from common pitfalls and set yourself up for success in the mortgage game.   We discuss the pattern we’ve seen too many times – clients are loyal to their bank for a mortgage, only to face rejection. It's time to break the cycle! Learn why waiting weeks for a bank broker is a thing of the past. At Express Mortgages, we're just a call away, available in less than a day. We're human, we don't judge, and it's JUST A CHAT.   Underwriters declining your application for what seems like an unnecessary reason? We don't take no for an answer. We'll argue until they see reason or, if needed, switch lenders to ensure you get the green light. Our mission? To present you in the best light and secure that dream mortgage!   We recently dropped a TikTok bombshell, revealing the dos and don'ts of bank statements. Was it the savvy advisory content, the mention of "only fans," or the unique delivery by one of our female team members that made it go viral? Tune in as we dissect the success and spill the beans. Check out the video here!   Are you ready to navigate the mortgage maze hassle-free? Tune in to Episode 16 for expert insights, entertaining anecdotes, and a clear roadmap to a successful mortgage application. Don't let delays and unnecessary scrutiny derail your dreams. Hit play now and let Express Mortgages guide you to financial victory in 2024!

Welcome to Episode 15 of "Inside Property & Finance" – your go-to podcast for the latest updates in the dynamic world of mortgages and property. In this special year-end episode, join us for an insightful recap of 2023 at Express Mortgages and an overview of the ever-evolving mortgage and property market.   As we wrap up the year, one thing remains crystal clear – the unwavering enthusiasm for homeownership, property sales, and investment. Join us as we delve into the key trends, market shifts, and success stories that defined the past year.   This episode is not just a retrospective; it's a glimpse into the future. While we bid adieu to 2023, we also ponder the burning question: What will 2024 bring in the world of property and finance? The crystal ball may be hazy, but our expert analysis and industry insights will help us make informed predictions.   And here's a special note: This marks our last episode before Christmas. As we take a brief hiatus to celebrate the festive season, we want to express our gratitude to our dedicated listeners for being part of the "Inside Property & Finance" community. We'll be back in the new year, ready to unravel the exciting developments that lie ahead.   Tune in, reflect on the year gone by, and join us in anticipation as we look forward to the promising prospects awaiting us in 2024. What trends will dominate? What challenges will emerge? The answers await in our final episode of the year. Merry Christmas, and we'll catch you in the new year!

Welcome to Episode 14 of "Inside Property & Finance" – a podcast that dives deep into the world of property finance, mortgages, and investments. In this special episode, hosts Paul Rawson and Steve Hand take the reins as they explore a fascinating and increasingly popular topic: 100% funding. But wait, there's a twist in the tale – their usual co-host, Paul McFadden, is nowhere to be seen, making this episode "The Missing Link" in more ways than one.   The world of property investment is evolving, and more lenders are now offering 100% funding, a development that excites not only brokers like Express Mortgages but also investors looking to make their projects a reality. But is it worth putting all your eggs in one financial basket? Rawson and Hand tackle this question head-on, weighing the pros and cons of securing 100% funding for your next venture.   This episode sheds light on a crucial solution for investors facing two common challenges: first, the lack of sufficient personal funds to contribute to a project, and second, the need for principal experience. While 100% funding may come at a slightly higher cost, it can be a game-changer for your investment journey. By getting a few successful projects under your belt, you're not only fulfilling your financial needs but also building your net worth, empowering you to venture out on your own in the future without hesitation.   Join Paul Rawson and Steve Hand as they uncover "The Missing Link" in property investment – a discussion that goes beyond the absence of one co-host to explore how 100% funding can be the essential missing link that propels more investors into exciting projects, serving as their springboard to a brighter financial future. Don't miss this insightful episode that can transform the way you approach your property and finance endeavours!

Join us for another insightful episode of "Inside Property & Finance" as your hosts Paul McFadden, Paul Rawson, and Steve Hand from Express Mortgages dive deep into the world of property investment. In Episode 13, they shine a spotlight on the fascinating topic of Bridge to Let finance.   Bridge to Let finance is gaining momentum among property investors for good reason. It's a financial strategy that allows you to seamlessly transition from bridging finance to a buy-to-let mortgage with the same lender, and it brings a surplus of benefits to the table.   Tune in to discover the numerous advantages of this innovative financial product. The hosts explore the pros and cons, shedding light on why it's an advantageous choice for property investors looking to de-risk their projects. With a bridge to let, your exit finance is in place from the outset, providing you with that all-important safety net and breathing space, which can make all the difference in the world of property investment.   But the world of finance can be complex, and finding the right lender can be a challenge. That's where Express Mortgages comes in. The hosts emphasize the importance of consulting with a knowledgeable broker like Express Mortgages, who can match you with the lender that's perfect for your unique circumstances. They reveal that there are far more options out there than many investors initially realise.   So, whether you're a seasoned property investor or just starting out on your journey, this episode will equip you with the knowledge and insights you need to make informed decisions about bridge to let finance. Don't miss out on this valuable discussion that could transform the way you approach your property investments. Join us for "Inside Property & Finance" Episode 13, and take your property investment game to the next level.

Welcome to Episode 12 of "Inside Property & Finance," the podcast that takes you deep into the world of property and financial strategies.   In this episode, we jump into the exciting realm of serviced accommodation finance. We're talking about a strategy that's been gaining immense popularity, especially since the onset of the COVID-19 pandemic. More and more people have been choosing to explore the beauty of the UK for their holidays, opting for Airbnb, short-term holiday lets, and platforms like Booking.com. As a result, investors have been seizing the opportunity to capitalize on this burgeoning trend.   Join us as we explore how investors can maximize the right finance for serviced accommodation. We'll discuss the nuances of this complex strategy and how it differs from traditional property investment. Serviced accommodation finance is not a one-size-fits-all approach, and it's crucial for investors to understand how to structure their deals effectively to make them work in their favour.   If you're considering entering the world of serviced accommodation or are already involved in it, this episode is a must-listen. We'll provide insights, tips, and strategies to help you navigate the world of financing for serviced accommodation effectively. However, it's essential to remember that serviced accommodation finance can be intricate, so we strongly recommend speaking to your trusted broker first. They can help tailor the financing to your specific needs, ensuring your investments in this exciting sector are not only profitable but also sustainable.   Tune in to Episode 12 of "Inside Property & Finance" to discover how you can make the most of the serviced accommodation trend and embark on a journey of property and financial success in the thriving UK holiday market. Don't miss out on the insights, and join us in the discussion about this dynamic and rapidly evolving investment world.

Welcome to Episode 11 of 'Inside Property & Finance,' where we delve into the exhilarating world of property auctions and unveil the secrets to successful bidding. In this episode, we explore the question on every aspiring investor's mind: "Is buying property at auction the best place to get cheap property?"   Hosts Paul McFadden, Paul Rawson and Steve Hand shed light on the intricacies of purchasing property at auction, offering invaluable insights to both seasoned investors and newcomers.   Auction finance is a world of its own, and Express Mortgages' specialist team can help you navigate it seamlessly. They'll explain how getting pre-approved for auction finance can give you a crucial advantage, enabling you to bid confidently and secure the property of your dreams.   The episode also emphasizes the critical importance of assembling your power team and performing due diligence before attending an auction. Your power team consists of professionals like a great broker, and solicitors who are essential for making well-informed decisions. Their collective knowledge can be your greatest asset in ensuring that you don't overpay for your next investment.   But is the auction room always the holy grail of bargain hunting? As you'll discover, the answer isn't as straightforward as it may seem. Our team dive deep into the nuances of the auction process, discussing the potential pitfalls and the need for a strategic approach to avoid overpaying.   Join us in this insightful conversation and gain a competitive edge when stepping into the fast-paced world of property auctions. Whether you're a seasoned investor looking to expand your portfolio or a first-time buyer eager to explore this intriguing avenue, Episode 11 of 'Inside Property & Finance' is your key to understanding the art of auctioning. Tune in now to unlock the secrets to securing the best property deals and avoid common mistakes in the world of auctions.

In Episode 10 of "Inside Property & Finance," we delve into the exciting world of creative equity leveraging and uncover the dynamic ways homeowners can turn the equity in their homes into a goldmine of opportunities. Hosted by Paul McFadden, Paul Rawson and Steve Hand, this episode is a treasure trove of insights for those looking to supercharge their property investments.   Are you curious about how to make your home's equity work harder for you? Join us as we explore innovative strategies to unlock the potential within your property. Discover how to leverage that valuable equity to venture into the world of buy-to-let and buy-to-flip properties, allowing you to build a lucrative portfolio while safeguarding your financial future.   But that's not all! In this episode, we're also shining a spotlight on an essential aspect of equity leveraging – further advances and second charge loans. Our experts share their expertise on how these financial instruments can be arranged to tap into your home's equity wisely. Learn how you can access additional funds without the need to remortgage and how this can be a game-changer for your property and financial aspirations.   Unlock the potential of your home equity and turn your property dreams into a reality. Join us for Episode 10 of "Inside Property & Finance" and discover the keys to creative equity leveraging that will set you on the path to property prosperity. Don't miss out on this must-listen episode that could change the way you think about your home's value!