Full disclaimer: this read will be totally useless for the vast majority of you lords that are fully operational, because ya’ll be far too advanced for this prep-talk. So feel free to take your love-interest behind the bike sheds and skive off for the day. Enjoy. And think of me!

However, if you happen to be reading this while emptying your bowels and in the market for some light reading, or if you happen to tumble into my world because you’re in the process of converting your home into a rentable pad, then this could be useful.

Don’t be a cowboy landlord like my dip-shit friend

Easy Landlording

Sadly, it was Kevin, my haphazard friend – who evidently doesn’t know his ass from his elbow – that prompted me to share this remarkable tale of tragic negligence.

But it’s not all doom and gloom, because the buffoon’s antics has provided me with inspiration and blogging material, both of which I’ve recently been in short supply of. Not to mention the fact that his sublime stupidity is a great showcase for learning. We win!

So, yes, thanks for being a useless cock-face, Kevin! You’re the best dumb-ass friend a dried-up blogger could ever wish for.

Due to personal circumstances, Kevin vacated his residential flat so he could launch it onto the letting market, but he did so with a metaphorical “FUCK YOU!” sign attached around his pecker – he pretty much swerved every step required to make the process legitimate/sensible.

In some ways I admired his “screw the world. And your momma” attitude. I wish I was the type of woman that could feel at ease resting a cup-of-anything on a table without a coaster, instead of being a anxious and hyperventilating pussy all the time.

I’m not exaggerating when I say Kevin bypassed *almost* every step in my “Do the following before renting out your home” checklist…

What you should do before renting out your home…

  • 1) Check your lease
    In Kevin’s case, he is the leaseholder of his flat.

    Some leases don’t permit sub-letting, which means letting is not permitted.

    Did he check his lease? HA!

  • 2) Notify mortgage lender
    Since Kevin didn’t bother notifying his mortgage lender of the change in circumstances, the assumption is that he’s still on a residential mortgage, as opposed to a buy-to-let mortgage.

    Breach of terms, check!

  • 3) Update building insurance policy so it’s appropriate for landlords
    If he hasn’t contacted his lender, you can bet your nutsacks on the fact he didn’t update his insurance policy.

    Almost all mortgage lenders require the appropriate insurance policy to be in place, otherwise…

    Breach of terms, check!

  • 4) Check if you need a license
    Some local authorities require landlords to comply with the selective licensing scheme, which requires landlords to acquire a license before they’re able to let their property.

    Of course, Kevin didn’t even bother checking. In fact, he didn’t even realise “landlord licensing” was a thing.

    Fortunately, his local authority doesn’t require landlords to obtain one (I retrospectively checked). However, that’s not the point.

  • 5) Ensure minimum Energy Efficiency rating is achieved
    Since October 2015, landlords in England are required to show prospective tenants a valid Energy Performance Certificate (EPC). Moreover, since April 2018, landlords have been required to achieve a minimum rating of E.

    I may as well be talking in Mandarin, because Kevin has no idea what I’m talking about right now.

  • 6) Check if your property is gas safe
    Every rental property should ideally always be ‘gas safe’, but it certainly should be before new tenants move in, hence the legal requirement of a landlord gas safe check.

    When Kevin, the numpty, was quizzed about the gas safety check, his response was, “I checked, the boiler works fine”

    Oh, right. Well, that’s just brilliant!

  • 7) Declaring rental income
    Obviously – and I use the word “obviously” extremely hesitantly – rental income is subject to taxation, and can also influence any Government funded benefits, so it should always be declared.

    I probably need to be careful with how I phrase this point, because I’m not sure how these things work. Maybe you do…

    Hypothetically, if I know someone that is potentially partaking in fraudulent activity, do I automatically become an accomplice if I don’t report it to the correct authorities? Or do I just become perceptible to being labelled a “treasonous cockroach”? If it’s only the latter, that’s cool. I can live with that.

    Ok, so let’s just say that Kevin is in receivership of disability allowance on legitimate grounds, but let’s also say Kevin is hypothetically convinced that he doesn’t need to declare his newly found source of income because he’s currently not making any net-profit from it.

    Well, that would just be plain stupid, and probably fraudulent. Fucking moron, hypothetically speaking.

  • 8) Comply with Smoke and Carbon Monoxide alarm Regulation
    Credit where credit due. Kevin didn’t actually trip over this hurdle. Nice one, Kev!

    However, I suspect this win was due to shear fluke, as opposed to intent, because most people have fire alarms in their homes.

    In any case, I’m going to cover the Smoke and Carbon Monoxide alarm Regulation for the sake of making this a more complete checklist.

    While I’m absolutely sure Kevin didn’t have any inclination of what his fire safety responsibilities are, he is legally required to have at least one smoke alarm installed on every storey of his rental property which is used as living accommodation, and have a carbon monoxide alarm in any room used as living accommodation where solid fuel appliances are contained.

What a spectacular display of the upmost disregard for being a sensible landlord (minus the fluke ‘smoke alarm’ win), right?

Clearly, he just woke up one day, brushed the crust out of eyes, and said to himself, “I’m going to be a landlord”, without much more thought about it. Literally.

Sadly, the industry is full of ’em.

From the mindset of an impartial bystander, I hope they all get what they deserve.

If it wasn’t for my friendship with Kevin (which I’m now compelled to say was formed by circumstance, not by choice), I’d probably piss myself laughing until I sober up and remember that he’s the reason landlords are assholes. So instead, I’ll just piss myself laughing until I sober up and remember that he’s the reason landlords are assholes.

Please note, the above failures don’t account for all the landlord legal obligations, they just cover what all good normal landlords – at least, those in England – should check before renting out their residential home.

Have you got a friend? If so, tell me why they’re a 24-carat tosser!

Love & peace xoxo

There’s a lot of talk within the industry at this time of year surrounding student property. If you’re looking to find new student tenants for your investment, we have some top tips from specialist Landlord Insurance provider Just Landlords.

Although you may have missed the boat for the beginning of this academic year, all student landlords will know that the search for a new place to live begins around December/January time for tenants. This means that, at the end of this year/beginning of next year, students will be looking for a new rental property for the academic year starting September 2019.

Whether you’re a new student investor or are already letting a property to this type of tenant, Just Landlords has some advice on how to find new occupants for your investment in time for 2019:


Promote your property early

Unlike other types of tenant, students tend to start looking for a rental property months before they plan to move in. This means that, not too long after moving into their accommodation for this year, they’ll be looking at places to live next year.

As a landlord, you need to bear this in mind when marketing your property – be very clear that the accommodation is only available from September 2019, but be sure to have it available for enquiries from at least the beginning of next year.


Market through major portals

Students are likely to be renting a property for the very first time when they move to university, and won’t know as much about the process as other, seasoned tenants. What they will know, however, are the names of the top property portals where they can find homes to rent – Rightmove, Zoopla, etc.

If you are looking at where to market your property, have these major brands in mind, as students are more likely to be familiar with them and will begin their searches there. Reputable letting agents will usually promote your properties through these sites.


Keep photos up to date

Students are becoming increasingly selective about the types of property that they’re willing to move into; the more contemporary and luxurious, the better. Although you may not have the swankiest property to offer, you can paint it in the best light possible with up to date pictures.

Before marketing your property for the 2019 academic year, review the photos you currently have and decide if you need to take some new, more professional ones. If you do, Christmas time (while your current tenants are back home for the holidays) is an ideal opportunity.


Be available for viewings

Throughout the process of securing new student tenants, you must remember the type of renter that you’re targeting, which applies to arranging property viewings. Students live more flexible lives than young professionals, for example, so will be available at completely different times of the day.

As the landlord, you should ensure that you, too, are available for viewings during these times – you don’t want to miss out on reliable tenants because you weren’t around to meet them. A letting agent can do this for you if you use one.


Offer inclusive rent

One of the top requirements from student tenants when searching for a new rental home is the option to pay the rent inclusive of all bills. Offering this is a sure-fire way of attracting interest in your property, especially if you get in early by promoting your accommodation to those who like to stay organised.

This can also benefit you as the landlord, as tenants who only have one monthly payment to make for their property are more likely to stay on top of those payments and get them to you on time.

Although September 2019 might be quite a way off yet, student landlords will know the struggle of trying to get their properties let at the last minute – make like your tenants by securing a let early!

Never trust tenants

Bit of a no-brainer, but I’ll share my story anyways, because it’s cool to emphasise the importance of staying true to the rules of thumb now and then.

Today the penny finally dropped. I’ve conceded to the humiliating fact that my snake-oil tenant pulled the wool over my – what evidently seems to be – stupid and useless eyes.

Hook, line and sinker! I fell for the promises B.S she fed me during the viewing.

Reality dawned upon me late last night, when I received a text message from my tenant, reporting a “broken door”

Naturally, I shat my pants wondering which idiot did what to the door, so I launched an onslaught of questions in an attempt to encourage her to do what she should have done in the first place – provide me with an explanation of the actual problem, as opposed to a namby-pamby statement, which really, meant absolutely nothing at all.

Nope, during the viewing my tenant didn’t promise me that her ‘problem reporting’ skills were impeccable. If she had done, that would have been two pieces of shit she fed me, and I’d rather top myself than accept the fact that she outmanoeuvred me twice. I’ll get onto what she actually lied to me in two shakes of a lamb’s tail.

After what felt like a life-time of exchanges, the mist finally cleared; what my tenant was actually trying to tell me is that the living room’s door handle had become stiff, and she wanted me to make it… unstiff.

*Slaps forehead*


Rewind back to the viewing…

So, onto the baloney-pie she fed me during the viewing:

My dad is a painter & decorator.

My mum is a painter and decorator.

My cousin is a builder.

My cousin’s cousin is a builder.

My uncle is a spanner.

My brother is a hammer.

My nan is a spirit level.

I come from a long line of highly skilled tradesmen and tools.

I have building and decorating in my blood.

I am building and decorating.

So, the good thing about me is, that if any general DIY needs doing, I’ve got it covered. I won’t need to bother you.

Well, hump me sideways. For someone that has DIY so deeply ingrained in their blood, getting stumped by a stiff door handle is just bat-shit crazy. And annoying.

Here, try this, you lying sack of potatoes:


I should have known earlier!

As said, I should have realised something smelt fishy long ago. I guess my pride and gigantic ego didn’t want to admit failure.

The stiff door handle issue was just one of several primitive problems reported over the last couple of years. I should have known the moment she was perplexed by the light-bulb that needed replacing in the cooker’s extractor hood. Then after that, came a feature-wall she erected in the living room, which looked like it had been painted by a newborn donkey.

Now, I’m not saying I chose my tenant for her [non-existent] connections (because I didn’t), but it would have been nice if her claims materialised, because at the very least, it could have reduced the amount of time I waste on the niggling little problems… that slowly make you want to lose the will to live.


*Deep breathes*

If she had those handy connections it would have been a bonus, and I’m not going to lie, it was a minor factor I did bear in mind when choosing tenants. I’m just bored of dealing with dumb maintenance issues that I get notified of (which I really, really, really shouldn’t), like squeaky hinges, wonky bog-roll holders, and replacing light-bulbs. So anyone that offers me a glimmer of hope of at least minimising those issues, gets rewarded with a slight boost in preference.

She must have seen the desperation when I started foaming around the mouth as she gave me hope. She could probably tell I had dealt with one too many shoddy paint-jobs, and I was on the verge of a mental breakdown.

She took advantage, she said exactly what I wanted to hear, so I ended up believing what I wanted to believe.

Either way, I shouldn’t have paid any attention to her unsubstantiated claims. That was my mistake, and it was such a rookie mistake, too. I should whack that bottle of WD40 down my gullet for being so incompetent.

To clarify, I don’t want any tenant or their relatives to attempt any real D.I.Y issues, because that’s a wonderful recipe for disaster. However, I do expect them to have the initiative to squirt a little grease on a handle when required. No self-respecting landlord wants to get dragged out of bed to deal with that nonsense, or even worse, pay someone else to deal with it!

Fortunately, I hedged my bets, because the factors that really mattered, like, a good salary, impeccable references, seemingly decent personal hygiene, and a steady job, were all in play.

But yeah, other than the fact she pulled my pants down with the whole “I’m Mrs DIY” crap, she’s an absolutely wonderful tenant! No complaints.

Landlording 101

Never believe the shit tenants tell you during a viewing (and vice versa).

And if you do, hedge your bets.

In my case the end result wasn’t too bad, because in the grand scheme of things, I didn’t hang my hopes on a factor overly fundamental. But you can see the potential in how devastating it can be if landlords blindly believe in unsubstantiated claims during viewings.

Always question what you’re told, and don’t believe anything without evidence!

In order to make me feel less futile, can you please tell me about a time when your tenant or landlord pulled the wool over your hazy eyes? Merci beaucoup xoxo

We’re sure our developers would agree – with each new project, comes a wealth of new experience. And while no two projects are the same, there are identifiable stages that can make the difference between coming in on time and budget… or running into problems. 

Meet Peter and Melvin:

We caught up with two property entrepreneurs who’ve recently completed projects funded by LendInvest to discover their top tips for keeping on track during any development project. 

Peter is no stranger to the property business. For 28 years he worked in construction; starting out as a surveyor before going on to look after high-end, fit-out properties. We’ve visited him before on one of his past projects in Broadstairs, Kent and so far he has completed 21 units over 3 sites.

For Melvin, having usually concentrated on projects requiring just light refurbishment, he decided, with enough experience behind him, to turn his hand to ground-up builds. In his latest project, he took on a large bungalow with planning permission for it to be demolished and replaced with two, four bedroom homes. 

Peter and Melvin’s top tips:

So how have Peter and Melvin mitigated against the dangers of running into difficulty during their projects? 

‘Set up a budget and stick to it’

Peter stresses the importance of setting up a budget before your project begins and sticking to it throughout the duration of the build. Iterations on the design or specifications of your project are likely to be costly at this stage so he stresses the importance of being ‘100% clear’ on these decisions before commencing your project. Making significant changes to the design of a property mid-way through a project is one of the most common factors that cause developers extra expense, he affirms. Melvin agrees – ‘set a realistic budget, not an optimistic one’.

‘Time is money’

‘Always try to keep to your schedules – time is money’, says Melvin.

Alongside budget, comes the importance of proper scheduling. Without it, your project is likely to over-run and that in turn will leave you out of pocket.

‘Paperwork needs to be up to date at all times’

It may sound insignificant, but the importance of keeping up to date with health and safety paperwork is highly important. As Melvin comments, ‘you’d be surprised at how far behind you can get’. If it’s not maintained, it could land you in serious problems, jeopardising your current project as well as the ability for you to secure funding for later property developments going forward.


Without the best people working alongside you, the vision you have for your project will be unattainable. This is particularly important when choosing suppliers and subcontractors. Peter highly values the relationships between all stakeholders of a development project and advises:

‘create an environment that’s safe and that all involved are proud to be a part of’.

Speaking with Smart Property Investment, Ben Handler, CEO of the Buyer’s Agent Institute, said there were two aspects of buying a property investment that can stump unwary property investors.

The first was being sure to undertake due diligence, something that Mr Handler has identified a lot of people ignore from working as a buyer’s agent for eight years.

When buying for his own personal portfolio, Mr Handler added he always is careful to do his due diligence.

“There’s been times where unfortunately I’ve ordered a strata report and the health of the sinking fund and some critical elements around how the building is maintained or issues that have been in the building before and how they’ve been rectified has concerned me,” Mr Handler said.

“It just showed me it could be a risk buying into this building, so that has steered me away in apartments.”

The second aspect that he sees stumping property investors was forgetting real estate agents are not trying to help you buy a property, but are trying to sell a vendor’s property.

“When you’re communicating and corresponding with them, … you have to be mindful that they’re always representing their vendor,” Mr Handler said.

“So, what you’re hearing from them, how many contracts are out, has there been another offer and [how] you need to increase your offer; you’ve got to be very mindful and skeptical and just conscious around what they’re telling you.

“How you’re dealing with a real estate agent is really important, and I think just knowing when to … walk away from a property; … setting that boundary of that threshold of what you’re prepared to go to.”

Apart from holding multiple residential and commercial properties, including caravan parks and motels across multiple states, Property Alchemy’s Penelope Valentine also provides property management services for her fellow investors, particularly in the Northern Beaches, South Coast and eastern and western suburbs of New South Wales.

As an investor and a property professional, Ms Valentine works to understand the fluctuations that have been happening in most major property markets in the country, particularly in Sydney and Melbourne, which continuously see value declines following the end of the property boom.

However, despite the negative headlines in the media, she remains positive about the assets that she holds and manages in the capital cities.

According to Ms Valentine: “I think there’s so much hype in the media but the media needs hype to sell, right? Actually, we’re just going through a market cycle. I don’t know whether people remember, but these cycles happen.”

Right now, it’s business as usual, and the investors who are able to thrive in the current market are those who continue to make logical decisions, as usual.

“Properties may take a week longer to lease, but there’s things you can do to lease a property, and it’s not just all about dropping the rent. It’s price presentation and positioning, too. We can always find great tenants if we make sure to listen to what’s going on in the market react quickly.”

“You can’t just keep doing the same thing and expect a different result. You have to be proactive and you need to have a great database. You’ve got to do a bit more hustle—that’s what it’s about,” the investor and property manager highlighted.

Being able to hold and maintain assets for the long-term has become more critical to property investment success as the Australian property market continue to go through a softening phase.

As such, identifying the right property manager could spell the difference between thriving in the market and delaying a wealth-creation journey. Ms Valentine believes that every investor must understand the process of the property manager before ultimately getting them onboard.

“A lot of people just go to an agency and then get given a property manager. They don’t know if that property manager just started their career a couple months ago or if they’re on their way out or they’re aspiring to be a sales agent or if they’ve been trained properly,” she said.

Ms Valentine strongly encouraged investors to take the time to conduct a few interviews in order to get acquainted with their entire process and understand how it can fit into your broader investment strategy.

At the end of the day, it’s going to be a relationship between the investor and the property manager and as such, understanding is key to fruitful collaborations moving forward.

“Understand who’s going to be communicating with you and how do they operate, what do they do differently from other property managers,” she said.

Finally, Ms Valentine stressed the importance of tenure in order to avoid the hassle of having to ‘start from the bottom’. According to her, the average tenure of good property managers is 18 months.

According to her: “If you start building a relationship with a property manager and they know everything about one of your properties, then they leave and you get someone new coming in, you have to educate this person again on what’s happening with your property, what happened with the last tenant. It’s a lot of work for an investor. When you choose to give your investment property to an agency or property manager, understand how they operate.”

In today’s market, the resilience and discipline of property professionals are becoming more important for investors who want to continue to thrive in the business of creating wealth.

By making sure that they got the best managers, investors can continue riding the waves of the property market and ultimately maximise the wealth-creation potential of their portfolio, Ms Valentine highlighted.


Tune in to Penelope Valentine’s episode on The Smart Property Investment Show to know more about her secrets to thriving in the current property market of Australia.

Adam Haddow, director of Sydney-based architecture and urban design studio SJB, said that Australians are increasingly trading environmental and financial costs of space for the social, monetary and ethical gains of compact living.

Quoted in the McGrath Report 2019, Mr Haddow said that affordability concerns have prompted an overhaul of planning laws, allowing for diversity to emerge as the new housing design buzzword.

“In the past, we had this fixed idea of what you got in a house: three bedrooms, backyard, maybe a pool,” the director said.

“That hasn’t gone away, but many people are realising they don’t need lawns to mow and four bedrooms. You used to need a desk and possibly an office; now you need a kitchen bench the right height for your laptop or a sunny courtyard with connectivity.

“These changes are dialling down in home design because we don’t need to create a space for study or work. It is more about creating spaces where people want to live.”

Here are Mr Haddow’s six hottest trends in urban residential design:

1. Repurposed living

When Australia embraced open-plan living at the start of the 21st century, there were inevitable casualties, the director continued.

“Goodbye formal dining and lounge rooms. Also over is home designers’ short-lived dalliance with the media room.

“Reflecting the shrinking size of Australian households, with couple-only households due to outnumber couples with children by 2030, dwellings will become more flexible with moveable walls allowing room conversions and adaptable furniture serving as room dividers.”

2. Smaller kitchens

Mr Haddow said that the popularity of home-delivered meals, along with our rising café and restaurant culture, has changed how Aussies think about kitchens.

“Food and drink delivery apps have exploded, with Australians spending $2.6 billion annually. We’re also eating out more. With 85,000 cafés, restaurants and takeaway food outlets, the average domestic household is spending $94 per week eating out two to three times per week.”

He said that kitchens have evolved from utility rooms to social and entertaining spaces.

“Prepping kitchens and butlers’ pantries are on-trend in new family home design.

“These small private spaces enable home chefs to get messy, away from guests’ eyes and without detracting from their home’s minimalist designer kitchens.”

3. Shared spaces

Modern developments are incorporating shared rooms such as laundries and yoga studios to suit changing lifestyles and add value and function to available space, according to Mr Haddow.

“Shared rooms arguably provide better value to young buyers who would rather pay less for a smaller crash pad that comes with a selection of outdoor areas where they can relax and entertain friends.

“Rooftops are becoming glamorous entertaining spaces with landscaped gardens, state-of-the-art barbecue facilities, café-style dining areas and chill-out zones.”

4. Garage parking

Our car-loving culture is rapidly changing, Mr Haddow added, with 3.1 million active Uber users and 100,000 GoGet members nationally.

“These share services, along with expanding public transport, environmental awareness and dedicated bicycle lanes, are reducing the need for parking on title,” the director said.

“What we are seeing is movement from majority to minority car ownership in the not too distant future. People are totally OK with using the one shared car on the street.”

5. Blue sky thinking

Mr Haddow said that textured housing exteriors made from recycled natural or industrial material like rammed earth, stone and bottle bricks are “in vogue”.

“Architects are also departing from the traditional square shape, with curvy facades maximising the illusion of space and spherical structures emulating igloos offering bolstered thermal efficiency.”

Mr Haddow also said that fifth wall feature ceilings with stencil art and complex imagery are becoming popular with “arty” home makers.

“All the rage when Michelangelo was painting churches in the 16th century and Marie Antoinette was decorating ceilings with mirrors in the 18th century. Today, some owners and designers are resurrecting it, realising that ceilings are a blank canvas for injecting personality and texture into a home.”

6. Green homes

Sustainability is becoming a major influence on home design, Mr Haddow said.

“Record levels of solar use and rising interest in battery power have resulted in the equivalent of 8.28 million households using renewable energy in 2017,” the director added.

“Savvy developers and home owners are fitting and retro-fitting properties to boost their appeal to an increasingly eco-conscious buyer pool.

“Low-cost improvements include draught sealing, insulation, low-flow showerheads and taps, window shading and low-wattage lighting.”

More product changes underway this month with our Buy-to-Let product. From rate changes to reductions in product fees, we are continuously making our broker’s and borrower’s lives easier through product innovation and key improvements to our internal processes. 

So what changes have we made to our Buy-to-let product this month?


1. Reduced our rates and fees

We are now offering our headline 5 year fixed mortgage at a pay rate of 3.60%, with an ICR rate of just 3.60%, a product fee of 1.00%, and a reversion rate of 3.80% + LIBOR – perfect for borrowers looking for leverage.

We have also reduced the rate of our 5 year fixed mortgage to 3.49%, with an ICR of 5.00% and a reduced product fee of 1.00%. Our product fee is now also reduced to 1.00% for all standard property and HMO mortgages.


2. We’ve covered legal costs and reduced valuation fees to £100

For a limited time we have reduced our valuation fee to £100 for all standard property cases, meaning we will pay both ours and the borrower’s legal fee scale costs for standard property, standard conveyance cases. 


3. Simplified our application process for multiple applications

We are also going the extra mile for portfolio landlords, helping you submit repeat cases that prevents you having to submit multiple applications.

If you are submitting a portfolio landlord case, just upload their property portfolio spreadsheet to our online portal and we will do the rest.


For the full detail on our product changes, visit the LendInvest Buy-to-let Lending Criteria here.

Investing in property and companies can be very rewarding, but it involves the following key risks:

1. Loss of Capital

Property prices can go down as well as up and different property types or those in different areas may be more or less susceptible to reduced or negative growth. By investing in property through Property Moose, there is a risk that you may not get back what you put in if property prices fall. You should not invest more money through the platform than you can afford to lose without altering your standard of living.

2. Illiquidity

Any investment you make through the platform will be highly illiquid. This means that you are unlikely to be able to sell your shares until and unless the investee company is sold or the property is sold at the end of the investment term. The securities you purchase through the platform are not listed on any exchange.

3. Rarity of Dividends

If a property receives rent this will be paid to the investors as a dividend net of any fees, costs and expenses. However, should a property not produce rent, or the rent be insufficient to cover the costs and expenses of operating the property, no dividends will be paid and you will be unlikely to see any return on your investment until the property is sold.

4. Diversification

Investing in property and unlisted shares should only be done as part of a diversified portfolio. This means that you should invest relatively small amounts in multiple businesses rather than a lot in one or two businesses. It also means that you should invest only a small proportion of your investable capital in startups as an asset class, with the majority of your investable capital invested in safer, more liquid assets.

5. Tax

You will be responsible for the payment of your own tax which may include capital gains and/or income tax. We do not provide tax advice and you should seek independent tax advice before investing if you are unsure of your position. It is still your responsibility to ensure that your tax return is correct and is filed by the deadline and any tax owing is paid on time. If you are unsure how this investment will effect your tax status you must seek professional advice before you invest. Each company you invest in will be liable for, and pay, corporation tax and any returns you receive will be paid to you net of any corporation tax due.

6. Advice

Property Moose does not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of Property Moose on the basis of information provided. Property Moose takes no responsibility for this information or for any recommendations, opinions or predictions.

7. Past Performance

Past performance is not a reliable indicator of future results. You should not rely on any past performance as a guarantee of future investment performance.

8. Future performance

Any projections of future performance are based on the internal calculations and opinions of Property Moose and are subject to change at any time. Forecasts are not a reliable indicator of future results and should not be relied on.

9. Financial Services Compensation Scheme

Investing through Property Moose is not covered by the Financial Services Compensation Scheme.

10. Client Classification

Before being allowed to invest, you will need to be classified as an investor type. You will need to provide the relevant information to us, which you warrant to be truthful and accurate, in order that we can classify you. Please follow the steps when signing up to complete this process. If you no longer fall into at least one of the categories of investor available, you will give immediate written notice to Property Moose and you will not access, or try to access the service unless and until you fall into one or more of these categories again.

11. Jurisdiction

The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where Property Moose is not authorised to provide such information or services. Some products and services described in the Site may not be available in all jurisdictions or to all clients.

This list of risk factors does not necessarily outline all possible risks involved. Prospective investors should read the Property Moose terms and conditions in their entirety and consult with their own advisers before deciding whether to invest. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.

The residential investment property market is under stress. It has desperately needed a new product, and major revamp, for some time.

Out of this adversity the Property Collect team are preparing to snap up great buys in strategic areas for investors to profit.

Property Collect has their residential investment trust registered with ASIC and their responsible entity and other compliance structures in place. They are ready.

“I think Property Collect will revolutionise the residential investment property market,” veteran property director and Property Collect founder Tim Wright said.

“Our BuyPower and BuildPower products are innovative, simple and the way of the future.”

With the Banking Royal Commission putting pressure on residential housing prices and APRA’s lending curbs stymying investor loans – the time is ripe for Property Collect.

When the right properties are uncovered, Property Collect wants to be “poised to strike”.

“We are all about research and value for our investors,” Wright said.

The Property Collect team has a mission to raise Australian investment property ownership from the current 1.9 million people today to 2.5 million people over a 5-year period.

“In this financial climate, residential property investors need to look at property in a whole new way.

“With record levels of personal debt and the financial burden now placed on property investors, it is becoming increasingly difficult for first time and repeat property investors to get into the market.”

Wright says the new “collective investment” model has strategic advantages over traditional property syndicates.

“With lower barriers to entry, safer exit structures, improved investor liquidity and a refined investment formula for returns, the Property Collect syndication program will be the first of its kind in Australia.”

“There is no longer any reason smaller investors should be left out of the property market.”

Wright says that the pool of residential property investors in Australia with cash availability between $20,000 to $80,000 was far larger than those who had more than the $90,000-plus required to purchase their investment property, and hence an alternative “bricks and mortar” investment solution was necessary to allow people to experience the benefit of residential property investment.

Sign Up For Our Business Tips Newsletter