Buy-to-Let, Buy-to-Sell. Property Investing in the UK and overseas
 

The biggest property profit opportunity in history is here now in 2008!

Soaring repossessions put thousands of bargain properties on the market. How to claim yours for a fraction of their true value.

Tenant demand increases six-fold on previous quarter.

Now is the best time in over a decade for new property investors to enter the market.

"I started in the property business just three years ago with nothing, and now I own over eighty properties, all thanks to a chance visit to the property-profits.com website"  Stuart, Devon

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Dear Friend,

You are about to read one of the most important letters of your life! I’m not in the least bit kidding!! Property has created more millionaires than just about any other method you can think of.

But if you’re looking for another textbook, course, video, or seminar – then just stop reading right now, because this won’t interest you. But, if you’re looking for a new, behind-the-scenes insight into the property business that will literally walk you through, step-by-step and tell you exactly what you need to do tomorrow morning, then it will be the most important letter you will ever read. Why? Because I will be unveiling secrets about property, money and business that have likely been kept from you your entire life! Insider information that you have been missing out on, simply because you never knew it was there!

In most businesses, success means you have to become a slave to your business. Even in property, if you're not running your business on auto-pilot…then you're constantly placing ads and talking with buyers, sellers, estate agents, home owners, solicitors, etc. Now, it's simple work...but still very time-consuming.

But for a select few, life is too short to become tied to anything that even resembles work (we’ve all done enough of that!) Especially when there is a less complicated, far more profitable way to make huge profits in property without doing any of the leg work!

I now want to reveal how you too can make this kind of income, just as I do, even if you have zero capital. That’s right, you can start making big money in property right away without ever investing one penny of your own money. It would be a great shame for you not to when other people do it so easily.

How can I make such a bold statement? Because I have already done it, and I started with no money, a huge overdraft, bills to pay and no help from anyone else! If I can do it against such odds, then you can certainly do it with my help and guidance.

Let me introduce myself. My name is James Anderson. I've spent a lifetime in the property business, from renovating old houses to buying land and building new ones. I've bought, let, sold and everything else in between. Sure I've made mistakes and even lost money along the way. But you won't make those same mistakes if you follow my advice.

Now I am not saying you will make 5 million in two years, how could I? I don’t know the first thing about you, but what I am saying is that you could easily make enough money to escape the rat race, live in luxury, enjoy exotic holidays, drive your dream car or do whatever you want when you want.

OK, you want long-term security without the risks. With traditional investments and pensions going down the tubes, is it any wonder that many astute small investors are taking their financial security into their own hands by turning to bricks and mortar?

With bargains galore, repossessions skyrocketing, and rising rents, NOW is the time to prepare for action.

To start cashing in on today’s property market immediately, all you need is a fresh, brand-new approach. I’m not saying that all the old techniques are outdated but you need to know when to use them and when to use something brand-new. And I guarantee it's not what you think!

Take a few minutes of your time and I'll prove it to you.

"But I have no capital, bad credit history, and county court judgements. How can I possibly get into property?"

This is the one question I get asked more than any other, and I don't care if you have the worst credit record in history, a hundred court orders and bailiffs knocking at the door.

I'll show you  an amazing technique for making thousands in profit from property in a matter of weeks without even owning it, without buying it and therefore without having to find a deposit or raise any form of finance or even so much as look at a mortgage application form.

One man from the south of England made over £160,000 profit in a matter of weeks using this amazingly simple strategy.

Another made over £50,000 in just two weeks!

Are you ready to learn from someone who has actually made his fortune in the property business? Not wade through loads of waffle and hypothetical theories?

I'll tell you exactly what to do, step by step to earn the sort of income that will astound you!

Do you want long term lifetime income with a pot of gold at the end of the rainbow?

Are you ready to make hard cash in property right now? That's real money to you and me, cash in the bank, not numbers on paper.  I personally know of two people who have made over a million pounds cash in property but there are thousands more like them! I teach you how to make spendable liquid cash fast, not the same old buy and wait forever strategy!

Are you ready?, If so, then keep reading!


OK, I'm glad you're still here, because I’m going to share with you some little known techniques to strike it rich quick in today’s property market!

Look at these facts...

95 out of 100 property investors are not making nearly as much money as they could be!  They are using the same methods that worked fine twenty years ago, but are not nearly as effective in today's economy. The irony is that many so called 'experts' are still teaching these same worn out methods. 

Equity is not money!  This is something you have to understand about buying into property. Just because you are worth half a million in equity doesn’t mean you have any liquid cash!

Every single person I know who is worth millions, and has the time to enjoy it, invests in property, but so few people truly understand the potential that lies ahead.

The good news is that anyone can do it. You don’t have to be a super-genius or have any special skills to make this work. If you can read and sign your own name – then you’re in!

There’s nothing difficult or complicated about it, you just need the right advice and information and that’s exactly what I want to give you.

You only have to look at the lists of the richest people in this country and you will find that the vast majority made their fortunes through property. Why should this be so? It’s just a question of supply and demand.

This country simply does not have the capacity to build new homes fast enough to meet the needs of the ever increasing population, and a higher proportion of people than ever before are renting instead of buying.

Many people choose to rent for the flexibility if affords, students, the retired, professionals constantly on the move. Job insecurity has also had a dramatic effect. With the notion of a job for life having gone forever, many younger people are no longer prepared to commit themselves to the traditional 25-year mortgage. Renting provides the ideal alternative. Increases in the divorce rate, later marriages, more single-parent families, and increased job mobility are just some of the factors fuelling the market.


Don't fall for this....

There have been numerous warnings in the press and on TV about the con merchants who would have you spend £2k, £5k or more upfront just to attend a seminar!! Sure, it's free to start with, but that's just to get you through the door, then the high pressure sales pitch starts. Try asking exactly what their system is and they won't tell you until you have parted with your cash.

They want you to use their solicitors, their mortgage providers, they even want you to buy properties they nominate. Why? Because they get a kick-back of course. Do you think they could care less whether you make any money? Of course not, they’ve already made theirs from the ridiculous fees they charge.

But don’t just take my word for it - Ray Boulger, technical director of John Charcol, Britain’s biggest insurance and mortgage broker says: "I have been on one of these seminars and I think that progressing on to the training course would be a waste of time and money... The information presented is completely one-sided... if this company had to be regulated under the FSA, it wouldn't stand a chance."

Read more reviews from people who have attended 'Inside Track' seminars here.

Remember, they are in it to make a profit for themselves - not you! They have no incentive to help you. They employ professional speakers who likely as not have never even closed a property deal in their lives and they just walk away with a fat fee. It's crazy. I'll teach you a way to make thousands in a weekend that even these guys don't tell you about.

Take my advice and stay well away, no matter how glossy the brochure or how plausible they sound.

There is a lot of useless information out there which would end up costing you money instead of helping you to make it.

Those who are making the real money in property development simply do not need to run seminars as a business because they're already making hundreds of thousands of pounds doing real deals in the real world! I can tell you now, you won’t learn anything of value at these seminars but you will pay dearly for the privilege.

Then there are the sharks who tout vastly overpriced ‘bargain’ properties and ‘repossessions’ to an unsuspecting public. Many people have lost their life savings to these rogues yet they continue to advertise. Several of these seminar and investment firms have already been wound up by the DTI in the public interest.


You profit by owning houses other people pay for!


Let me tell you a secret the rich having been using for years.....They never use their own money, always other peoples’. What could be better than building up your assets, and your income, to dizzy heights, all at somebody else’s expense! This is a win-win situation and I will show you how to go about building up a lucrative portfolio of properties without ever needing and endless supply of deposit money.

It’s a sad fact that ninety-nine out of a hundred property investors don’t have a clue as to what it takes to bring in the cash as fast as is humanly possible. They have heard that they need to get into property so they go out and buy whatever takes their fancy. This is completely wrong and the reason they just ‘get by’ or even lose money while others make millions.

In property, just like anything else for that matter, you need a strategy. This is so important I am going to repeat it. The only difference between you and a millionaire property investor is - strategy. You do not need any previous experience of this business, neither do you need any building or DIY skills. Even if you already know the techniques, you still need a strategy. I will teach you everything you need to know. I want you to benefit from my twenty odd years of experience and I will reveal all of the landlords' and property investors inside secrets, tricks and tips about this business so that you can be as successful as I have been.

And don’t think it is just professional property speculators who are reaping the rewards. Whilst that may have been true a few years ago, now everyone from solicitors to housewives are joining the increasing band of ordinary people who have realised that there is serious money to be made. With the financial scandals of endowments and pensions, and the prospect of having to work until we drop, is it any wonder that many individuals are taking their financial security and their future into their own hands by turning to bricks and mortar as a way of providing a regular and guaranteed income?

The potential is so enormous that many people have given up well paid jobs to run their own property businesses after a very short period, but you don’t have to give up your present employment unless you want to. Once up and running, if you follow my advice, the business will run virtually on ‘auto-pilot.’ and you can fit the business in around your other commitments.

Commuting, working for a boss you hate, low pay, not enough free time? Well, not anymore – you learn my system and you can lose all of that stress overnight!

And my best reason of all is that property is one of the most exciting and fun businesses in the world! Imagine that - having fun while you learn how to earn your own massive fortune! I can tell you, there aren’t many experiences in life like knowing you just made a huge five-figure pay-day by doing a few hours work! It's breathtaking - and you're about to find out how that feels!

Nowadays I get up when I like, work when I like, take days or weeks off and go on exotic holidays whenever I want to. I have more quality time to spend with my friends and family, more time for hobbies and more time just to enjoy the simple pleasures in life. I say this not to boast but to show you what you can achieve.

In a few weeks time you could be banking thousands of pounds from your first deal, and I'll guide you every step of the way, showing you how to repeat your success over and over again. Watch your income and profits multiply.

Whatever your background or current situation, follow my advice and I personally guarantee you will succeed.

Make a huge five-figure profit within days!

Don’t make the mistake of thinking that buy-to-let is everything, it’s not. Whilst a good portfolio of rented properties should form the basis of medium to long-term investment and your future ‘pension’ there are other ways of making more immediate profits. That’s cash in the bank to you and me.

Forget the 'buy-now-and-wait-for-prices-to-rise' strategy.

I am going to show you how I buy properties at rock bottom prices, even in  a booming market, and immediately sell again for a tidy profit. I will also show you how to maximise your profit by carrying out basic renovations for next to nothing and without getting your hands dirty. It doesn’t matter if you don’t know one end of a hammer from the other. Often all that is needed is a lick of paint and general tidying up to increase the value of a property and therefore your profit by several thousand pounds.

I'll even show you how to 'flip' a property. That is, you find a bargain property and then immediately sell it on, or 'flip' onto another buyer. Get this right by following my instructions and no money ever leaves your bank account. You simply collect your profit.

Just imagine the immense fun and satisfaction of buying a property and then selling it on for a massive profit, often within days, sometimes even within hours! It’s being done all the time and you can do it too with the minimum amount of time and effort, and more importantly with little or no capital of your own.

In a few weeks time you could be banking thousands of pounds from your first deal, and I’ll guide you every step of the way, showing you how to repeat your success over and over again. Watch your income and profits multiply. People say to me "What happens if prices keep on rising?" or "What if prices fall?" My answer is "I don’t care!" If prices rise I’ll make money. If prices fall I’ll still make a killing. It’s back to that word ‘strategy’ It’s just a matter of changing your tactics to suit market conditions.

The key to successful property investing is never pay market price, ever. That means only buy from motivated sellers. By motivated, I mean people, who for one reason or another, are desperate to sell. Opportunities like this abound and I’ll show you how to find them, or rather, how they can find you! It’s easy when you know how.

The most popular, though not necessarily the best, source of cheap property is at the many auctions held regularly all over the country. You will find some amazing bargains. The variety and quantities being offered are also quite staggering. The average saving at auction compared with market value is over 36% with many properties fetching only a fraction of their true value. Some of the bargains are properties repossessed by mortgage lenders and are in good order, ready for letting or reselling on the open market.

I’ll tell you when and where these sales are held, (there’s bound to be one near you), so that you can go along and see for yourself. I will also show you how to prepare for buying at auction, including how to finance your purchase 100%. Don’t worry if you have never done it before. The process is simplicity itself.

Of course you can’t guarantee finding a bargain every time, and if the thought of buying at auction still seems too nerve-wracking, I’ll tell you about some other neat ways I use to pick up similar bargains without going near an auction house, and best of all, without encountering any competition. Not only that, but I’ll show you how to calculate in advance the price you should pay to ensure a good profit. You’ll absolutely love this one.

It might seem like a pipe dream now, the thought of making a million in property, but once you have done your first deal, you will soon realise how quickly it can become a reality.

Here's how to get started

After more than 30 years in the business, I am making available all the knowledge I have gained the hard way in a unique business package which I have called, appropriately enough, ‘A FORTUNE IN PROPERTY’. But why should I make it easy for you? I know the question you are asking yourself. If I am making so much money, why bother writing about it? And aren’t I creating competition for myself? Not by any stretch of the imagination. Quite simply I enjoy writing and helping others to achieve the same financial freedom and independence that I have gained.

I'll tell you everything that's contained in the package in a moment.

The passive income from my rental properties will continue for as long as I want. Neither do I have to worry about pensions or savings. Then again I may decide to sell part or all of my portfolio at some point in the future. At least I have a choice. You can be in this position too in a very short space of time.

Make no mistake, I practice what I preach. This is a straightforward business, proven over many years. It is without question, the easiest way to generate a high income for the rest of your life, with little or no risk involved. The time and effort required is small when compared with a conventional occupation. After a very short time you will probably be making many times more money from what could be described as more of a part-time hobby than from your full-time job.

Look! I have spent the best part of a lifetime in this business and learnt every trick in the book. I’ve done everything from renovating old houses to buying land and building new ones. I've bought, rented, sold and everything else in between. Sure I've made mistakes and even lost money along the way. But you won't make those same mistakes if you follow my advice.

Everything you need to know is there in the manual, and it can be in your hands within days. Even people like established landlords, property dealers, solicitors and estate agents have remarked on what a goldmine of information it is.

"I have recently purchased a copy of your manual which I must say is fantastic, and I have previously paid £3,500 for a seminar which your manual knocks spots off."

Sue Manock (North Wales)

Read more testimonials like this>>

'A FORTUNE IN PROPERTY' contains, without doubt, the most comprehensive information on the residential property business available today. How do I know? Because I have bought every book, every course, looked at the myriad of websites and I can honestly say that nothing comes near it. But don't just take my word for it. Look at what my customers are saying. Read the testimonials and you will need no more convincing that property is the business to be in and I am here to help you achieve your dreams.

Several of my clients have called it their 'bible of property investment'

It will be like having me standing over your shoulder, guiding you through the details of doing it all yourself. You get to be an insider. You’ll know every secret there is, and how to use them all to your advantage. Takes all the guesswork out. All you need is the desire to make things happen.

Here's a taste of just some of the things you will learn...

How and where to find bargain properties. Where and what you should buy and more importantly where and what to avoid at all costs.
How to sell a property in record time and maximise your profits
Property hotspots. Over 70 locations across the UK are listed where rental property is in great demand
Buying to let? Why a standard buy-to-let mortgage is not the best option.
No money down techniques. How to start with zero capital and finance your purchases 100% every time
How to claim free government money which you do not have to repay to carry our essential repairs and renovations.
Why adding 'improvements' to your property can lower its value. You need to know this!
How to carry out your own survey and use it to your advantage. It's child's play. This one tip alone can save you thousands!
If you're letting you'll want the best tenants. Here's how to find them, vet them and carry out credit and identity checks.
How to find tenants who will pay over-the-odds in rent and be more than happy to do so
How to guarantee getting your rent even if your tenant stops paying. What you must do first. Knowing this is essential.
How recent changes in the law have made it easy to get your tenanted property back whenever you want.
Could forming a property company be the answer to slashing your tax bills? Find out here.
Why you have to be totally insane to use your own resources in today's property market even if you have lots of money and perfect credit.
How to use an 'Option' agreement to make thousands from property you don't even own and never have to buy.
How to avoid being gazumped or having deals snatched from under your nose by other property investors by creating a 'Lock-Out' agreement.
How to find private investors eager to finance your property development deals for a small share of the profit. This is 100% financing at its best.

And that's not the half of it!....

See a complete list of the contents

Retire Early on a Goldmine

Now hang on to your hat because I am going to reveal to you one of the biggest and most closely guarded secrets in the property business. It's life changing information that the professionals don't want you to know about. This will blow you away.

How to buy property at half price or less, even up to 60% below market valuation.

I already know what you are thinking. These must be properties which are falling down or in run-down areas where nobody in their right mind would want to live. Well, you couldn't be more wrong. These are desirable properties, well maintained and in sought-after locations.

The best part of all is that you will never have to go near an auction, you will never have to find a tenant and you will never have to do any repairs or renovations. Sounds too good to be true doesn't it? Well you had better believe it because this is the easiest and most exciting way on the planet of making a absolute killing in property. And it's all perfectly legal. Everything about this strategy is explained in the manual.

Or how about this...

Your own fully furnished, overseas luxury villa with heated swimming pool and 3-car garage in a half-acre plot with stunning sea views on one side, a golf course on the other all in a beautifully manicured  parkland setting with lakes and fountains. Just like this:

Does that sound like a dream? Well, it gets even better. What if I told you that you could own such a property completely free? Not only that, but you could actually make a profit or live in it yourself for a month or three every year!! You would probably think I had gone out of my mind, and I wouldn't blame you for thinking so, but as you will find out, it is not as crazy as it sounds.

There’s much, much more. I could go on for several more pages but I think you get the idea. There are more creative strategies and techniques detailed in the manual that I have not even touched on here as I don’t have the space, but every one is designed to maximise your cash flow and profits.

Professional landlords and property dealers are in general pretty secretive about their activities, and it has been difficult for aspiring newcomers to find the right advice and information - until now. ‘A FORTUNE IN PROPERTY’ is now in its twelfth successful year and has been kept up to date on a regular basis. The complete package contains everything you need from A-Z to start your own property business and be on your way to a luxury lifestyle regardless of your present financial situation.

What I am sharing with you is not a course, it’s my own personal property investment strategy for this year and next that you can follow starting tomorrow. It’s based on my own personal experiences so you won’t find this information anywhere else.

‘A FORTUNE IN PROPERTY’ is much more than a book or course, it’s a complete business package. The centrepiece is a 'workshop' manual consisting of around a hundred and fifty A4 pages, professionally typeset in an easy to read format. This will take you by the hand and walk you through step-by-step everything you need to know and do. There’s no waffle, no padding, just valuable information amassed over a lifetime but kept bang up-to-date.

The manual is supplied in a smart 4-ring binder to allow for regular updating (more on that later)

Included with the manual is a legal pack comprising all of the forms and agreements that you are ever likely to need. The most important document for the property rental business is one of the new assured shorthold tenancy agreements. As part of the package I am giving you a comprehensive ready made agreement with all supporting documentation. This agreement, drafted by a solicitor, has been honed and fine tuned over several years and is virtually watertight. Completed examples are included so they couldn’t be easier to use.

This document alone would cost over £450 if you had a solicitor to draft it for you. As well as supplying this and all the other agreements in printed form, I have also put them on a CD-ROM so that you can print off copies as you need them and you can even customise them as required for each of your projects. These forms alone will save you thousands in legal fees.

(Note: Don’t even think about using those pre-printed tenancy agreements which you can buy in some stationers for a few pounds. They are just too basic, bare bones stuff and there are some vital clauses missing which could lead to problems.)

If you concerned about being landed with bad tenants then don’t worry. 99.9% of tenants are decent and law abiding. In all my 30 odd years I have never had any problems. Remember it is only the other 0.1% who make the headlines. Even so, I will be giving you a multi-page tenancy application form which asks some pretty searching questions so that you can check and vet all applicants. Any tenant who completes one of these is extremely unlikely ever to cause you any problems.

I will also be providing you with personal one-to-one help and advice on any aspect of this business, If I were to charge my time by the hour, this service alone could be worth many times the cost of the entire package. Use it as much as you need. I’ll be giving you a special standard rate telephone number so any time you have a query or problem, or if there is anything you don’t understand, you only have to pick up the phone. You can also e-mail or send a fax if you prefer. This service will be provided by myself or one of my team of property professionals, each an expert in their own field.

When you purchase the package, you will be automatically subscribed to the update service which is normally £75 p.a but it will be yours free for a full year. There is no obligation to continue after the first year if you don’t want to. I’ll keep your package bang up to date and send you details of any changes affecting the property market, news, new techniques, in fact anything which I think you should know about.

OK, I know you are wondering, what’s the bottom line? What is all this information worth? You will have in your hands everything you need to go out and create a business which, in a short space of time can be producing thousands a week in rental income, or tens of thousands of pounds buying and selling or a combination of the two, all from a standing start.

Let's Wrap This Up

Here's a recap on everything that’s included in the package:

  1. ‘A Fortune in Property’ The 150 page A4 manual containing all the cutting edge and creative property investment strategies, techniques and step-by-step instructions to get you up and running in the shortest possible time.

  2. The legal pack containing the Assured Shorthold Tenancy Agreement, an Option to Purchase agreement, a Lease Option agreement, a Lock-out agreement and a Private Investor agreement plus all supporting documentation and instructions worth together over £2,000

  3. All the forms on CD-ROM for printing out and editing on your own computer. You can customise the agreements to suit each individual project without having to pay to have them rewritten every time. This alone will save you thousands in legal fees.

  4. Update service free for a full year. Keep abreast of everything that’s happening in the property world. Normal cost £75.

  5. Full backup and support from the author and our team of property professionals on all property related matters including access to mortgages and finance from our fully qualified and independent financial advisors.

Remember, it has taken me 30 years and more to amass all the knowledge, and make all the mistakes so that you don’t have to, and a lot of hard work putting it together in this package so that you can make a fortune too. No doubt you are expecting a high price tag. I have thought long and hard about what would be a fair price. If I charged just a tenth of the cost of one of those seminars (and I doubt you will find one less than £2,500) you might think that would be a sound investment when you consider the financial rewards which await you. Well, I hope you will be pleasantly surprised.

Brand NEW!
Twelfth edition just published

The regular price of the complete package (hard copy version) is £147 but you can still claim yours for even less at the pre-publication offer price of just £73.50 (inclusive of postage and packing in the UK). I can’t say fairer than that. Or you can have the downloadable version for just £59.00 and it can be on your desktop in minutes!!

That's half-price, but only for a strictly limited time then it goes back up to the regular price, so don't miss out on this huge saving.

Wait a minute though. You may be thinking "Why would I be offering to give you all of my expertise, insider secrets and cutting-edge strategies for such a small amount when others charge thousands for a lot less?" The answer is - Because I put my money where my mouth is. I walk the talk! What I tell you works!! It’s been tested time and time again. This is no theoretical rubbish that’s been cobbled together in five minutes. It’s the culmination of a lifetime’s experience. There’s no guesswork, you’re not left wondering what to do next. What I am giving is solid practical advice. I’ll take you by the hand and guide you all the way. Help doesn’t get more personal than this.

Even if you are a seasoned property investor or developer, I can guarantee that you will find techniques and strategies in the manual that you will have never come across before. If you only learn one new method or if it saves you from one mistake then it will have paid for itself may times over.

Your 100% Success Guarantee!

property guarantee

Still not sure? I am so confident that you are going to love this product that I am willing to extend an iron-clad 100%-you-can’t-lose money-back guarantee! Take my package, read the manual, and try out one or more of my methods. Use my program for a full 12 months, yes, a whole year. If at the end of that time you have not made at least a paltry £10,000, then quite honestly I don’t want your money. Just let me know anytime within a month and I’ll refund every penny you paid.

But I’ve still not finished yet. I am also giving you not one but two valuable bonuses which are yours to keep with my compliments even if you decide to return the package.

  

YOUR FREE BONUS REPORT 1
Mortgage Magic.

Discover how to make your mortgage debt disappear without paying a penny extra. In Mortgage Magic author Johan Bekker  explains the three top currency mortgage techniques used by savvy investors to attain phenomenal results with their mortgages including:-

How to slash your mortgage payments in half, or shave 10 years off the repayment term of any size loan. 

It is a must read for anyone who wants to find out more about this fascinating aspect of property investing.

This 33 page report is yours free when you purchase
'A Fortune in Property'

YOUR FREE BONUS REPORT 2 
Free Land and Property.

This is a about a little known method of making tens, even hundreds of thousands of pounds from land and property which you don't own and never have to buy. Many solicitors don't even know about this one yet the opportunities are all around you. I have seen this same information alone offered elsewhere for as much as £99.00.

One customer said that it was worth buying to package just to get this information.

In the Daily Mail, 5th July 2002, there was an article about a widow who successfully claimed a parcel of land which, it turns out, is worth £12 million. Yes, that's right, she can now legally sell the land for twelve million pounds, and she did it using the exact same method described in full in this free report. Aren't our British laws wonderful? Don't miss it - it's dynamite!!


Stop searching for that pot of gold! You have right in front of you the opportunity of a lifetime!   I've done all the work; the only thing left for you to do is to decide if you really want to change your life for the better! Stop dreaming and start doing!  Take the first step to improve your life and click here now. 

Yours sincerely

James Anderson
Author
and Property Investor


P.S. Don't spend another year, another week or even one more day wondering if you can make money in property. Make it happen today! Right now. Remember, act now to be sure of getting your discount.

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It's more important than ever to check your credit report before applying for a mortgage, loan, credit card or mobile phone - lenders check your credit report before deciding whether to give you credit, and what interest rate to offer you.

Any missed payments or out-of-date information could lead to you being rejected for credit, so it's important that your credit report is up-to-date and reflects your current situation.

 Credit ratings seem to be a mystery to most people, as many don’t know their rights, how lenders make their decisions, how credit scores are calculated and how they can be challenged and improved.

The contents of your personal credit report can have a bearing on whether or not you are given credit. Factors other than the information held on a credit report may contribute to a lending decision as well (such as the information you provide on your application form), but your credit report is important.

You have the right to view the information contained in your credit report to make sure it is accurate. If errors are found, you are entitled to apply to have them corrected. Having the ability to view and challenge your credit report is important, as; in addition to providing the basis for a lending decision, your credit rating may also affect the interest rate you are offered by lenders, which could lead to more costly borrowing.

Credit reports are compiled by credit reference agencies using information from two main sources:

1) The Public Record: e.g. electoral roll information, court judgments, individual voluntary arrangements and bankruptcies.

2) Information provided by lenders and financial institutions: e.g. credit accounts, credit applications and financial associations.

When you apply for a loan, the lender will typically contact a credit reference agency to check the information on your credit report, in order to help them calculate your potential creditworthiness and risk. These calculations are done by the lender and may vary between lenders. It is important to note that the credit reference agency does not offer any comment or advice and does not know how the information a lender has seen will affect the lending decision.

To view your personal credit information that lenders are currently basing their credit decisions on, apply now for a free online credit report from Experian, the UK’s largest credit reference agency. You will also receive a 30-day free trial to the CreditExpert Monitoring Service from Experian.