Why property is a good idea

1. Why property is a good idea Leveraging your way to a wealthy life

2. “All our dreams can come true – if we have the courage to pursue them” Walt Disney We need to take responsibility of our financial futures. This report looks property investment as a method of leveraging your family financial assets in order to secure your future making it more financially stable. Fact -the government are not going to be able to fund the care of the increasing and increasingly ageing population. Healthy government pensions rely in part of you dying soon after you retire and enough young people being borne to pay the taxes required! We know that the UK is in financial difficulties and we know that things have to change. Some or all of the NHS, Benefits Systems, and Pensions will have to reduced or cut. Fact: The Office of National Statistics* and IMF explain that the pension system was created when life expectancy was just 66.4 years for a man and 72 for a woman. The current life expectancy is 77 and 82 respectively. That’s an additional 10 years for every man and woman in the country, many of whom are not healthy. When you take start to responsibility for your own financial future you become aware of these facts – this new reality! Instead of expecting the government to take care of you later, think about using the financial resources you and your family have now to invest in properties. This report will explain how you can increase your family income by creating more cash flow from property investment. This will give you the opportunity to feel more secure now (in challenging economics times) and look forward to a more secure and more stable financial future. Taking responsibility means you have a choice, a better choice for you, and a better choice for all your family. Property can give you that financial security you need providing you wake up and take responsibility plus responsible action! *http://bit.ly/Ageing-Population Ask@ThePropertySourcers.com http://youtu.be/TLPWpSuxqM8 ThePropertySourcers.com

3. Property investment can make you more financially secure There are at least five keys reasons that we think that property is a great investment and a great idea; • You can buy it as an asset and get it to generate cash flow for you. • Your investment can pay back the cost of any initial borrowing leaving you with more family income. • Property can be a tool to prove financial security and the life you want – if you think creatively • Now is a good time to buy property as property prices have dropped. • Property gives you the flexibility and control to manage the asset and even enhance it once you've bought it. ”It wasn’t raining when Noah built the ark” Howard Ruff http://youtu.be/5aRhyE75TWs

4. You can buy it as an asset and get it to generate cash flow for you • A rental property is an asset; you can buy it with a mortgage, you can use it to leverage your money, it can create monthly cash flow for you and in the future, it will create capital as it increases in value. • It's a simple fact that the UK's demand for rental properties is not being met, so there is a huge demand for properties meaning that the values of rental properties are buoyant. • Right now, property prices are low and rental properties are in high demand. Property is an asset just like investing in gold, or silver, shares or commodities, except that property is a tangible asset that banks are prepared to consider as collateral for a loan. By using a loan as leverage you could for instance use £100,000 to buy several properties that all generate rental income which is significantly more than if you bought just one property using the whole amount. Once you have bought an investment property that generates cashflow you can live off the surplus rental income (what is left after bills and contingencies) and still hold the main asset. It’s like buying a goose that lays golden eggs and then living off the eggs. Of course you can save the income and use it to buy more investment property so that you accumulate a substantial portfolio to support your retirement or even pay your children’s school and university fees. Now is one of those rare moments in each lifetime when it is the best time to invest in the property market. Right now house prices are low, this provides a perfect opportunity to buy now and hold for the future. We can help you to find out how much money you want to generate each month and by using our strategy session be able to then put a plan in place to achieve that monthly amount. ”Logic will get you from A to B. Imagination will take you everywhere” Albert Einstein http://youtu.be/3Ev81boB88I

5. Your investment will generate more family income Vicki explains an example where she released 30% of the equity in a property £200,000 owned outright. She then used that money (and associated buy to let mortgages) to buy 7 investment properties (called “Buy to lets”). The properties provide a great return for the cash invested, on average generate £250 per month cashflow (after the mortgage, insurance, letting agent and repairs have been paid). This means a total of £1,750 per month additional income. Now there is the important matter of the new mortgage for £200,000 that needs to be paid each month. That currently costs about £500 per month, leaving Vicki and her family with a whopping £1,250 pure profit per month in their pockets all by Using Other People’s Money (ie the banks). To provide additional security for the family (after all taking out a mortgage is a risk) they have 25% equity in seven other properties to mitigate that liability. This really is an exciting and excellent example of how to make more money for your family without using any of your own money. “Great minds discuss ideas. Average minds discuss events. Small minds discuss people” - Eleanor Roosevelt http://youtu.be/7rO6RV_LwOU

6. Property can be a tool to provide financial security & the life you want if you think creatively One situation where creative thinking could make you money and enable you to live the life you want which affects us all is the growing family. Not that they are getting older – its that many families are growing in numbers either through family births or as older relatives return home! You might need a bigger house or a smaller house or just a house in another location. You might not be able to afford to move because of negative equity, or because you cannot afford a property that suits your needs. What about renting your main home to tenants and then using their rental income to pay your mortgage and the rent on another property for you to live in? One of our personal circumstances changed and she wanted a bigger home in a different area. She went along to her local authority and struck a deal where they rent her property for a fixed term and fixed rate. This allowed her to rent a property in the area she desired, be able to pay her mortgage and her rent, plus utilities monthly with cash to spare! ”Whether you think you can or think you can’t, you’re right” - Henry Ford http://youtu.be/3GsbW7b0FGI

7. Property fundamentals Property prices have dropped • Some people may be worried that if prices have dropped or are dropping then its not a good time to buy property. • We believe that investing in property is a business. Each house is a business unit that needs to make a profit. At The Property Sourcers we measure this by calculating the Return on Investment, in effect how much money is your money earning you. • In the banks it’s as low as 1-3%, we invest in property and achieve net returns of 10-15% quite easily. • Buying a property at a discount is a bonus which only increases our return on investment. Property verses stocks and other assets The advantage of a property as an asset is firstly that you own an actual tangible thing – a house. Okay you share the ownership with the bank – but then that’s another advantage that the bank is actually willing to share the cost with you. Using mortgages enables you to make your money go further and create more income. At the Property Sourcers we like to control as many of the variables as possible to mitigate any potential risks. When you invest in shares – you have no influence over the company you have invested in. That could be why banks don’t see shares as something they would lend against. The same is true of gold, silver and other commodities; you can’t redecorate a share or put an extension on a gold coin! “If the facts don’t fit the theory, change the facts” Albert Einstein

8. Talking about the Investor Mindset There are lots of people that are struggling financially and maybe they cannot afford to get involved in buying a property portfolio – but they can still think creatively. There are even more people out there that are sitting comfortably thinking “I've got enough money at the moment, so why rock the boat? “ The idea of investing in property can scare some people. That’s why working with professional like us, to guide you through the process and the legalities of investing is so valuable. Society has brought us up to believe that the government will “fix everything” and take care of us when we get old – the reality is far from that. If you already recognise that property is a good idea and have not taken any action it could be for a number of reasons; • You don’t know where to start – we can help • You don’t understand what’s involved – we can help • You don’t feel comfortable – you feel apprehensive – talk to us • Surely the banks are not lending – talk to us • You think you will be okay as you are – talk to us Ask yourself, 'How long am I prepared to wait for what I want' or 'How by not taking action, am I moving nearer to what I want in life?' http://youtu.be/BKZxXTHSEIw

9. The Property Sourcers At The Property Sourcers we offer clients the opportunity to examine property investment as a mechanism to increase their personal income, through our five step strategic conversation. The result of this 2 hour meeting is our clients leave with a clear understanding of their options, a clear property investment plan. 75% of our client’s do not have the time to implement their personal investment plan themselves so we act as project managers. We find, fix and fill a cash flowing property portfolio resulting in additional family income and a feeling of financial security. To find out how we can personally help you please call or send us an email to arrange a free, in confidence conversation. • “Thank you so much for our Strategy Session last night – your no nonsense approach and willingness to share your knowledge has helped us enormously – I couldn’t sleep last night for ideas how to take our property business forward.” HA • “I can’t believe that I can retire so much early simply by using the equity in my home! In 18 months I could be on a tropical beach – carefree – thank you so much when do we start?” JN • “I just wanted to let you know that we are very happy with the new properties that you arranged for us. They already have tenants and just weeks later we have our first regular rent payments. This extra money will make all the difference to our quality of life now that I have been made redundant – thank you so much” LS 07795 49 2001

10. Vicki Wusche and Loran Northey Vicki starting buying her own investment property portfolio in 2008 and by 2010 she had enough rental income that she does not have to work anymore – she can choose how she wants to spend her time. Vicki enjoys helping people discover how property can help them and through personal strategy sessions Vicki helps people think differently about money and their home. And that is why Vicki wrote two books entitled Using Other People’s Money; how to invest in property and Make More Money From Property; from investor thinking to a business mindset Loran is a successful entrepreneur with her own training and development company, including a Harley Street practice, since 2005. Loran and Vicki first met in 2007 and when Loran started to see the benefits of investing in property, she asked Vicki to help her. In 2010 Vicki helped Loran and her family recognise the financial resources they could access to start investing in property. Now Loran is financially secure and spends her time helping The Property Sourcers’ clients to become financially more aware and more secure, something we all want in these turbulent times. www.twitter.com/VickiWusche www.twitter.com/LoranNorthey 07795 49 2001

11. Summary page Why Property is a good idea • You can buy property as an asset and get it to generate cash flow for you. • Your investment can pay back the cost of any initial borrowing leaving you with more family income. • Property can be a tool to prove financial security and the life you want – if you think creatively • Now is a good time to buy property as property prices have dropped. • Property gives you the flexibility and control to manage the asset and even enhance it once you've bought it. Facts: • The government cannot afford to support an ageing population with fewer people paying taxes. • Property can provide that additional income you will need. • A property portfolio will generate rental income that can enable your family to choose where it lives and how it lives. • Inflation is eating into the value of your home, but you can make your money work for you, and give you a better return than the banks! • Take responsibility for your financial future and do away with stress and worry 07795 49 2001

12. Financial Disclaimer The Property Sourcers, Vicki Wusche and Loran Northey are NOT a Financial Advisors, and do not give financial advice. Their role is to use their experience, knowledge and contacts to help you examine property as an investment opportunity. You remain responsible for any decisions you make. You must carry out your own due diligence. All decisions you make are yours and yours alone. The Property Sourcers; Vicki and Loran, accept no responsibility for any decisions you take, purchases you make or conclusions you reach. They are happy to refer you to any one of their team of professionals and financial experts - please ask.