Creative Bridging Finance: A Strategy to Build Your Portfolio Quickly

Transcription

1 Creative Bridging Finance: A Strategy to Build Your Portfolio Quickly Rory O Mara CEO & Founder ClosedBridgingFinance.com Book a personal 121 financial review meeting with me today. I can share ideas & strategies that my clients use to make Learn the New No Money Down Techniques You have to sit on my brown leather sofa to hear these. Eat Home made Victoria Sponge.. Call now The Cost 195, refunded on your 1 st deal. Dear Property Investor, It s 2012, what did you achieve last year? Did you get one step closer to achieving financial freedom? In 2011, the best performing asset was 13.5% from UK Bonds according to Lloyds TSB Private banking. Who would have thought of that? Concerns over the outlook for the global economy and the euro zone in particular have contributed to the marked increase in returns from UK bonds as investors sought a safe haven during the economic turbulence of the past year. Equities failed to provide positive returns too last year. Property has proved to be a long term safe haven, that s why we saw a significant increase in business from our investor clients. How can we help? Put simply, we do more than offer Bridging Finance. Our passion is helping our investor clients make money, lots of money. Because we make a profit when you do. Tel: info@closedbridgingfinance.com 1

2 The landscape for buy to let finance has changed significantly and will continue to change as lenders change the LTV s and rates. We have sourced Commercial Finance as a way of exiting bridging finance, it provides certainty in a market which is turbulent. TOO BUSY TO READ THIS REPORT BUT NEED TO ACT FAST? Call me direct on or me now info@closedbridgingfinance.com Have to hand a summary of the deal purchase price, any discounts, cost of any works, summary of how you can repay the loan and details of the cash you are putting into the deal. How can we help you? Go to The Page in this report for more info P7 Bridging Strategy #1: Buy, Light Refurb & Flip for Cash P8 Bridging Strategy #2: Buy, Light Refurb & Refinance P9 Bridging Strategy #3: HMO Buy, Light Refurb & Refinance Funds P15 Bridging Strategy #4: The New No Money Down Just a thought. Average Return on a Pension over 10 years is 3.2% per year. When you look at your next Property Deal look at the CASH on CASH Return. If you left 15k in a deal and the Net Profit is 5k.. 33% RETURN CASH ON CASH Don t dismiss leaving cash in deals if it pays well. Use BRIDGING to Leverage your deals If you are serious investor and want to make rapid progress in your property business you need to consider using a combination of your own POT of CASH coupled with BRIDGING FINANCE to achieve success. Working with the right experts, we can arrange COMMERCIAL FUNDING which can usually by pass the usual CML 6 month rules enabling you to buy the right type of property, fund its purchase and light refurb and either sell or refinance in weeks not months. The 6 Month Rule - What is it? It is a rule in as much as the solicitor must declare the fact a seller has owned the property less than six months to the lender IF the lender is in the CML and IF they follow the CML guidelines (which they are supposed to do). Note: Commercial Funders do not usually apply the CML Rulebook. Tel: info@closedbridgingfinance.com 2

3 Actual CML handbook wording:- 5. Title 5.1 Surrounding Circumstances Please report to us (see part 2) if the owner or registered proprietor has been registered for less than six months or the person selling to the borrower is not the owner or registered proprietor unless the seller is: a personal representative of the registered proprietor; or an institutional mortgagee exercising its power of sale; or a receiver, trustee-in-bankruptcy or liquidator; or developer or builder selling a property acquired under a part-exchange scheme If any matter comes to your attention which you should reasonably expect us to consider important in deciding whether or not to lend to the borrower (such as whether the borrower has given misleading information to us or the information which you might reasonably expect to have been given to us is no longer true) and you are unable to disclose that information to us because of a conflict of interest, you must cease to act for us and return our instructions stating that you consider a conflict of interest has arisen. The see part 2 bit relates to the individual lender lists and simply states to which department or individual the solicitor must the information report to. Confused by CML rules on Disclosure of Incentives? The form must be completed by the Seller(s) of any property that is yet to be occupied for the first time, or for the first time in its current form, for example, because of a renovation or a conversion. The completed form must be supplied to the solicitor/conveyancer acting on behalf of the lender providing the mortgage finance for the property. The form must be supplied to the valuer acting on behalf of the lender upon request. Read more and download the Form and FAQ CML Market Commentary Jan 2012 Tel: info@closedbridgingfinance.com 3

4 The closing months of 2011 saw stronger mortgage lending activity and housing transactions. But this was from low levels, and we would not read too much significance into these recent figures. Immediate economic prospects are challenging and suggest a weak first half for the housing market. Inflationary pressures have started to fall away sharply, raising hopes that real incomes may stop falling later this year. Looking a little further ahead, there now seems to be a reasonable prospect that real incomes could stabilise and perhaps even start rising moderately by the end of the year. This would boost consumer confidence and help to kindle house purchase demand. The Eurozone crisis continues to make funding conditions challenging and exposes mortgage pricing to upside risks. Source: CML Research Follow the CML on twitter for up to date news Our forecasts are summarised below. You can read the full forecasts in Market commentary. Last revised December estimate Central forecast Residential property transactions, UK, 000s Gross advances, bn Net advances, bn Arrears, 2.5% or more of outstanding balance at end period: Number 182, , , , ,000 Possessions in period: Number 40,000 47,900 36,300 37,000 45,000 Source: Bank of England, National Statistics, HM Revenue and Customs, CML Notes: 1. Transactions are based on Her Majesty's Revenue and Customs' series Tel: info@closedbridgingfinance.com 4

5 for UK residential transactions valued at 40,000 or over. These include cash-based sales that have comprised roughly a third of transactions in recent years. 2. Figures for arrears and possessions relate only to first charge mortgages. Source: CML Fast Track to Financial Freedom I assume that as a professional property investor you are focused on using property as a vehicle to enable you to become Financially Free (Your Passive Income exceeds your Expenses?). If this is the case, What s your NUMBER? Yes, The actual Financial Amount in that you need to pay all your bills from passive income so that you don t need a full time job. Or at least have the choice to spend your time as you see fit. For the purpose of this exercise, let s assume that you need 3,000 per month after paying all bills including mortgages and personal bills, how can property to help you achieve this goal? TOP TIP: YOU NEED A POT OF CASH either yours or pooled cash from family and friends. This gives you the ability to do deals quickly. CASH is KING. You bring some to the table and we can lend the rest! Top Strategies for INCOME 1. Sell Leads & Packaged deals to investors who don t have the time. 2. Flip deals bought at low price, refurbished and sold to eager buyers. 3. Buy BMV using your pot of cash for long term income. 4. Buy HMO and self manage for massive income. 5. Buy flats on single title, split and create new leases. 6. Lease Option/Long Stop Completions for income. Once you know YOUR NUMBER, you can focus your STRATEGY on achieving this. Put simply, two HMO units could comfortably meet your NUMBER. Do you have a specific plan enabling this? How can Bridging Help? Tel: info@closedbridgingfinance.com 5

6 FOCUS ON CASH ON CASH RETURNS TO BUILD YOUR POT WHICH WILL ENABLE YOU TO BECOME FINANCIALLY FREE. If you can come to the table with CASH, combined with BRIDGING FINANCE, we can help you make money. Tel:

7 BRIDGING STRATEGY #1 BUY, LIGHT REFURB & FLIP FOR CASH Purchase Price 50,000 Refurb Costs 12,000 Bridging Costs Up Front 1,500 Valuation Fee 250 Bridging Costs Back End 3,793 Legals 1,000 Total Costs 68,543 Funded By: Bridging Finance 33,456 (Net advance approx 60-70%) Client own Funds 35,087 (Funds you put into the deal) Expected Sale Price 90,000 Net Profit 21,457 CASH on CASH RETURN 61% Net Profit 21, = 61% CASH on CASH RETURN Cash in Deal 35,087 Expected Time Frame: 4 Months Use This cash to do another deal Tel: info@closedbridgingfinance.com 7

8 BRIDGING STRATEGY #2 BUY, LIGHT REFURB & REFINANCE Purchase Price 50,000 Refurb Costs 12,000 Bridging Costs Up Front 1,500 Valuation Fee 250 Bridging Costs Back End 3,793 Legals 1,000 Total Costs 68,543 Funded By: Bridging Finance 33,456 (Net advance approx 60-70%) Client own Funds 35,087 (Funds you put into the deal) Refinance with Mortgage: Expected Value 90,000 75% Mortgage from Lender 67,500 Repay all Costs - 68,543 Cash Surplus + 1,043 Expected Rent PM Cost of Mortgage 5% Less Agent fee/ins Expected Net Profit 750pm / 9,000 pa 281pm / 3,372pa 100pm / 1,200 pa 369pm / 4,428 pa Final Position: Equity in Property 22,500 Cash Surplus 1,043 Expected Net Profit 369pm/ 4,428 pa Client Cash left in Deal NIL = INFINITE CASH on CASH RETURN Net Profit 4,428 pa Expected Time Frame: 4 Months Tel: info@closedbridgingfinance.com 8

9 BRIDGING STRATEGY #3 FUND THE PURCHASE OF AN HMO BUY, LIGHT REFURB & REFINANCE- LOW MONEY LEFT IN Are you struggling to make a return on your three bed buy to let? Many investors who meet me for a 121 Personal Review state that the positive monthly cash flow after allowing for all costs; management 10%, maintenance 10% and voids 10%, they return approx 150 per month, that s only 1,800 per annum. Assuming you need/want to generate 3k per month passive income, you need at least 20 Three Bed buy to let properties, which require significant funds for deposits, say 25k x 20 = 500k. Very few investors have access to this level of funding. Is there an alternative solution? Put simply, yes. The investors we work with make serious money in property have at least one House of Multiple Occupation (HMO) in their portfolio. The cash flow can be significant and yields double digit. Cash on Cash returns are amazing! WE EXPECT A TYPICAL 6 BED HMO TO GENERATE AT LEAST PCM POSITIVE CASH FLOW AFTER ALL COSTS. THAT S 6,000-8,400 PER UNIT PER ANNUM PER HMO. Owning 5 HMO s could help you achieve 36k pa Income Could this Strategy help you fund a proportion of your retirement in years? Let s look at the Numbers: Purchase Price 100,000 Cost of Works for Refurb 30,000 TOTAL PURCHASE COSTS 130,000 Tel: info@closedbridgingfinance.com 9

10 Expected Mortgage Advance 110,000 Based on 100% x Purchase Plus contribution to Cost of Works Gross Income 28,080 6 Letting Rooms x 90 per room per week Less Annual Costs: Mortgage 6.99% 7,689 10% 2,808 10% 2,808 10% 2, pcm 4,800 BUDGET COSTS 20,913 Expected Annual Profit 7,167 Expected Monthly Profit 597 Target Monthly Profit 500 Owning 5 HMO s generating 597 per month positive cash flow will generate 35,820 per annum after all costs. The Funding Model There are very few lenders who will fund an HMO, using a traditional Buy to let lender we would expect you to obtain max 65% LTV, meaning that Working Capital is required for the 35% Deposit, Cost of Works and fees assuming the property is mortgeable at the date of purchase. Any refinance will usually have to be completed 6 months after the works have been finished and the property registered in the investor s name. This adds a significant delay to recycling your working capital. Our funding model is based on obtaining a commercial mortgage, agreed prior to purchase. The objective is to fund 100% of The Original purchase plus a contribution towards the cost of works and fees. Each case is looked on its own merits. We are not restricted by the 6 month rule; working capital can be recycled quickly enabling you to buy another HMO. Tel: info@closedbridgingfinance.com 10

11 Example: Using a traditional Buy to Let Lender* Purchase Price 100,000 Cost of Works 30,000 Max LTV 65% (this is an HMO, LTV based on Purchase Price) Net Advance 65,000 Funds Left In 65,000 *Assumes lender will lend in first place Using Bridging& Commercial Finance Lender* Purchase Price 100,000 Cost of Works 30,000 Max LTV 100% (this is an HMO, LTV based on Purchase Price) Net Advance 110,000 Funds Left In 20,000 *Subject to valuation, audit & underwriting by Commercial lender In this example you are able to recycle more of your working capital and leave 20,000 in the deal not, 65,000. Funds left in the deal will depend on the individual project. Overview: Goal is Low Money Left In You need funds up front to pay for the deposit (30-40% X Purchase Price), cost of works & legals. Working capital requirement has to be at least 70k++, each project is different. Budget leaving at least 20k in a typical project after completion. You buy with a bridge provided by ClosedBridgingFinance.com, we lend 60-70% x Purchase Price. Commercial Lender will drawdown up to 100% of the original purchase price, plus an allowance towards cost of works and fees. All loans are subject to Valuation, Audit & Underwriting. This is not No Money Down, it s Low Money Left In (LMLI) Property must require work to justify uplift as a Commercial venture. You must be an experienced landlord, if not call me and we can buddy you up with an experienced investor. Tel: info@closedbridgingfinance.com 11

12 Value is based on a correlation between income, brick & mortar value and value of HMO property in the area. This is an excellent cash flow strategy to generate income. Commercial lender will want bank statements, profit & loss, asset & liability statements. We can group 4 investors together and apply for commercial funds. Please check that the property meets all HMO rules & regulations. o Do you need planning consent? o Do you need change of use consent from a single family dwelling to an HMO o Please raise all of these points at the start of the process with the solicitor. Case Study #1: Turn a 3 bed into a 6 Bed HMO Investor sources a property at auction for 147,500, cost of works is 20,000, Lender has agreed to provide a mortgage advance of 151,000 post works. Investor has to have all AST s signed by tenants and all works completed to the agreed standard. All local authority building Regs and HMO rules MUST be adhered to. If not, lender will not draw down funds. Property was a 3 bed mid terrace in south of England, after works it will be a 6 bed with En suite facilities to all rooms, lounge, dinning room and kitchen. Expected rents are 90 per room per week, grossing 28,080 per annum. ClosedBridgingFinance.com provided a bridging advance of 102,000, investor had to provide 45,500 deposit and 20,000 for works, total working capital required 75,500. In this example, the bridge is required for 3 months, the total cost 9,024. Additional funds are required for the commercial valuation 1200, lender 3%, Legals for purchase and remortgage. Budget approx 9,000 in this case. Purchase Price 147,500 Cost of Works 20,000 TOTAL 167,500 Less Mortgage - 151,000 Funds left in Deal 16,500 Plus all fees 18,024 TOTAL LEFT IN DEAL 34,524 Tel: info@closedbridgingfinance.com 12

13 Expected Gross Annual Rents 28,080 Cost of 6.99% 10,554 Gross Profits 17,526 ( 1,460 per month) Case Study #2: 5 bed Ex Local Authority Investor sources a property from a local agent for 165,000, cost of works was 20,000, Lender has agreed to provide a mortgage advance of 174,000 post works. Investor has to have all AST s signed by tenants and all works completed to the agreed standard. Property was a 5 bed end of terrace in south of England, the lounge was converted into a 6th bed. Target rents were set at 92 per room per week, Rents achieved are 102 per room per week, grossing 31,824 per annum ClosedBridgingFinance.com provided a bridging advance of 123,420, investor had to provide 41,580 deposit, 20,000 for works and 18,231for all other fees inc bridge total working capital required approx 82,000. Cost of commercial loan was 5.90% (each case is considered on own merits). Purchase Price 165,000 Cost of Works 20,000 TOTAL 185,000 Less Mortgage - 174,000 Funds left in Deal 11,000 Plus all fees 18,231 TOTAL LEFT IN DEAL 29,231 Expected Gross Annual Rents 31,824 Cost of 5.90% 10,266 Gross Profits 21,558 ( 1,796 per month) You will need to make an allowance for all costs, management, maintenance, voids and utilities. This will vary depending on use of a letting agent etc. Tel: info@closedbridgingfinance.com 13

14 Process: 1. Find a potential HMO which needs work and an HMO license from the local authority. 2. We use a combination of Bridging Finance and clients funds to buy for cash. 3. You undertake the Works required getting the property fit as an HMO, observing all rules & regulations. 4. We can use commercial funding to take out the deal at approx 80%+ Vacant Possession Value within 2/4 months, possibly less. 5. Expected Value is based on a 9-13% yield, but can vary depending on the Valuers opinion. In some cases we can also obtain finance based on brick & mortar value where valuing on income does not work Not got the time to do this on your own? MANAGED HMO? If you like the idea of an HMO, but hate the thought of sourcing, Refurb, finding tenants and then managing. Our HMO business partner can provide all of the above for a Pay as You Go Fee circa 9999 inc vat per property. You need funds of at least 70k to cover the initial cash deposit, cost of refurb, legals, SDLT, Bridging, Val Fees etc. All of which we would expect you to get back once the commercial lender refinances within 2-4 months. The ongoing monthly management fee is from 10/12%. Call me today on for details if you have at least 70k in liquid funds (or can team up with a team of 4 investors who can provide funds). Tel: info@closedbridgingfinance.com 14

15 BRIDGING STRATEGY #4 No Money Down Top Secret Can you answer Yes to these questions? Q. Do you have the deposit? Q. Can you get a buy to let mortgage? Q. Is the Vendor prepared to work with you to get the deal done? Call me and book a 121 Meeting and I will share ideas and strategies that will enable you to recycle working capital. This will be more than Options, Commercial Finance Get the 121 Booking Form, complete and return: What s the fee: 195 refunded on your 1 st bridging loan funded by ClosedBridgingFinance.com Tel: info@closedbridgingfinance.com 15

16 INITIAL ENQUIRY FORM Please complete the form below in BLOCK CAPITALS to start the process and back to Client Full Name: Client Mobile Number: Client Home Number: Your Address: Your Home Address: Your Home Postcode: Your Gross Annual Income: Your Occupation: How many Buy to let Properties do you own: How many HMO Properties do you own: Do you own your own home: YES/NO (Delete One) A) Total Value of Portfolio: B) Total Debt on Portfolio: Approx Equity you have in your Portfolio (A-B): Funds you can evidence for HMO Investment: Contact me re Managed HMO Service: Yes/No GOT A LIVE DEAL THAT NEEDS FUNDING: Address of Property: Postcode of the Property: Number of Letting Rooms: Gross Annual Rent: Does it have an HMO Licence? YES/NO Proposed Completion Date: Gross Price of Property You want to Buy: Net (Discounted) Price of Property You want to Buy: Do You Have a Mortgage Offer in Place from a Lender: YES/NO Has the Valuation been Completed: YES/NO Name of Lender: Do you have access to the Vendor: YES/NO Will the Vendor use our Panel Solicitor: YES/NO Tel: info@closedbridgingfinance.com 16

17 Proposed Completion Date: Cost of Works (if any): Summary of Works & Costs Required: PLEASE SCAN AND TO Got a Question? Just call or . Tel: info@closedbridgingfinance.com 17

18 To discuss your individual requirement, please call or us. Best regards Rory O Mara ClosedBridgingFinance.com Tel: info@closedbridgingfinnace.com Earn Extra Income Refer a friend to us and earn at least 200 for each completed transaction. *********************************************************** PS. Want to Know How to Do No Money Down The New way in 2012? Book a 121 and sit on my brown leather sofa and I will tell you how. This is only available to investors who book a 121 and meet me face to face in Winchester< Hants. I GUARANTEE YOUR TIME WILL NOT BE WASTED THE INVESTMENT IS 195 refund if you use me to fund a bridging loan within 6 months of our meeting Come and sit on my special guest leather sofa: Sponge if lucky, Mrs O, will make homemade Victoria Meet Ruby our Border Terrier and I will share NMD Strategies For those of you who know me and have worked with me, you will know that I am passionate about helping you create wealth in all aspects of your lives, be it property, investment & business. Here are a few comments from 121 Sessions that I have run recently. Tel: info@closedbridgingfinance.com 18

19 We came to see Rory for our in his office, not really sure what to expect from guy who makes his living from bridging financing. However it wasn't a session about how we can benefit from his product. In fact it could not been further away from it. Rory made sure he understands our situation and offered spectrum of ideas and tips in regards of our current business as well for our development in property. He spoke in simple and honest way and laid things as he believed they are without all the pretty story telling some mentors do. Before we knew it we were clear on our options and possibilities and we knew exactly what our next steps will be. Spending one afternoon with Rory was worth to me more than what I learned at some very expensive courses. Thank you for your time and ideas Rory. You are truly amazing. Dorka and Ales Property Investors I went to meet Rory with some trepidation, but was amazed at the amount of truly beneficial information I was given, also the genuine interest in my existing business providing many ideas and plans and put them in a realistic time scale. Rory also opened my eyes to information I doubt I would have gained on my own. It was a truly worthwhile day, Thanks Rory. Phill Preece Property Investor If you have any preconceived ideas that a 121 review session with Rory will be just an overview of how Bridging Finance works, rest assured you can cast them aside now. My 121 session with Rory was exceptionally beneficial and delivered with great passion. He gave an overview of several property investment strategies, HMO s, Title Splits, Options, Mortgage Hosts, Commercial and Residential finance, to name a few, reinforced by quoting real life case studies. We discussed my immediate and longer term goals and the best starting point to achieve them. Don t worry if you can t jot your notes down fast enough. Rory will you a detailed breakdown summary of your session. Take Action today. I can highly recommend this session will be an investment in your future. Exceptional value and your 195 fee will be refunded within 6 months when you complete your first deal with Rory. Thanks Rory. Liz Couch. Property Investor "I spent an incredibly beneficial session with Rory. I was expecting to be given an overview of how bridging works, a few insights into HMO's and then a ClosedBridgingFinance.com sales pitch. However, Rory exceeded my expectations. He helped me on a number of levels - he eloquently outlined a number of different property investment strategies, with many real-life case studies, that I would never have considered before; discussed my goals and suggested a few ideas on how to achieve them; and he challenged some of my (unrealistic) preconceptions about my how quickly I could build a substantial passive income from property with the strategies I was already working on. It was great to spend some time with someone who was genuinely interested in what I wanted to do & his energy and informal style really helped me focus on a few 'gems' that I know will make Tel: info@closedbridgingfinance.com 19

20 me money. There was no 'hard sell' and the small 195 fee was worth every penny - it will also be refunded when I do my first deal with Rory". Jamie Madill Investor 'Having contacted Rory via and filled in the questionnaire, I was invited down to spend a 4 hour mentor session at his house. Upon my arrival, I was greeted by his wife, shortly after which coffee and homemade cake arrived...which was lovely! Rory had clearly spent time over my questionnaire as all my points and financial goals were written down on a flip chart in front of me. We then spent the time chatting through different strategies and ideas, all done at my pace, on a very informal and friendly basis. The whole afternoon was very relaxed and extremely helpful and informative. Rory is clearly a very knowledgeable and professional man and at the end of the afternoon, I left with both a deeper understanding of my aims and targets, but also with some new and very exciting opportunities. Since our meeting, I have undergone a joint venture which has enabled me to pursue my goal of passive financial freedom. Rory put me in contact with a number of new clients, all of which I now communicate with on a regular basis, swapping knowledge and ideas. Lastly, 'our' meeting did extend by an hour and a half. Rory was anxious that all my questions were answered and I felt happy with how to go forward. A very enjoyable, informative and invaluable afternoon! Thank you Rory!' Ronnie Hall Property Investor Following a mind blowing few hours spent with Rory discussing investment strategies, we came away buzzing with excitement. Rory s creative approach to finance is so refreshing at a time when so many people believe their hands are totally tied by banks. His energy and commitment to helping people make money was very clear and we are currently working with Rory to fund some superb deals which would otherwise have hit the bin. Its not rocket science! It s just knowing who to go to and we found him! Sue Morton & Helen Baister - Aquarius Property Investment So, if a 121 Session appeals and you are unsure if it is for you, just pick up the phone and call me. Best regards Rory O Mara CEO & Founder ClosedBridgingFinance.com Tel: To book a 121 Session, please complete the attached 121 booking form and return by to 121@closedbridgingfinance.com Tel: info@closedbridgingfinance.com 20

21 ************************************************************ 121 REVIEW: LEARN HOW MY CLIENTS MAKE MONEY IN PROPERTY ************************************************************ *Spend 3-4 hours with me face to face learn where the deals are *Discuss key strategies that investors use today to make cash *Learn how to fund deals with the NEW NO MONEY DOWN. * Invest only 195 for the session refunded on your first deal **COMPLETE the booking form ******************************************************** JV WITH ME GOT SPARE CASH WE PAY 10% pa ******************************************************** Due to the volume of deals we are currently processing we have funding requirements for a number of projects. 1st Legal Charge, typically 3-6 months loan term. We pay you 10% pa. All monies go via Solicitors with legally binding contracts. CALL ME DIRECT if you are interested: ******************************************************** MY 10 YEAR RETIREMENT PLAN ******************************************************** Frustrated with a 1.1% pa return on a PEP/ISA over past 16.5 years, I looked for an alternative strategy. We now have funds in a segregated, managed, transparent FX Focused Hedge Fund. We are taking a 10 year view. Goal is a 10k per month return. CALL ME DIRECT if you are interested: ****************************************************** MEET ME AT A PROPERTY EVENT ****************************************************** BERKSHIRE PROPERTY MEET Join me 3rd Monday in Month Book now: ******************************************************* PIN MEETINGS: - Meet me at: PIN SOUTHAMPTON 1st Tuesday of the Month PIN BOURNEMOUTH 4th Tuesday of the Month PIN OXFORD - 1st Thursday of the Month Click Book using a voucher code Enter your name and address Enter rory into the voucher code box Click apply voucher ******************************************************** SURREY PROPERTY EXCHANGE 2nd Monday of the Month Location: Holiday Inn, Guildford. *********************************************************** Tel: info@closedbridgingfinance.com 21

22 SOURCE YOUR OWN BMV LEADS - 97 for the full course *********************************************************** *Check it out for yourself. *Click here to get access to the FREE 35 min video: Billy covers how to find low cost qualified leads, how to build websites in 1 hour, how he does things very differently from almost everyone else, and so much more. If you want to buy the programme the investment is 97 one time fee for lifetime access *********************************************************** *********************************************************** NEED MONEY? - LOW MONEY DOWN BRIDGING FROM 1500 *********************************************************** *Need bridging money? We have access to funds for: *HMO Buy, Refurb & Refinance Low Money Left In *Auction Purchases, Development Finance, Buy & Refurb *Joint Ventures * Low Money Down Fees from Val fee *1st Legal Charge on Buy to Let Residential * Interest & Fees Rolled Up You pay at Redemption Our Clients are doing more deals now than in the past 2 years. Want to know how bridging can help? If you need finance just call me for a chat Great a Quick Quote: *********************************************************** COMMERCIAL FINANACE WE CAN GET IT FOR YOU *********************************************************** Looking for an alternative to regular Buy to Let funding from Lenders, who CAN lend? We can arrange commercial finance. Lenders will need to see proof of at least 25k pa income, bank statements, Asset & Liability summary, It s not quick but it is available. CALL ME for details ******************************************************************** Just need help or want to talk to someone who will listen. Call me Now Rory & Charlotte O Mara Tel: info@closedbridgingfinance.com 22