Download The five fundamental principles of property investment in 2013

A PROPERTY INVESTMENT STRATEGY
THAT ACTUALLY DELIVERS
The five fundamental
principles of property
investment in 2013
By the Award-Winning Platinum Portfolio Builder
Learn how smart investors are working with professional property
experts to safeguard their future and pension provisions in 2013
and beyond.
Written By Nick Carlile, Founder
A safe investment alternative
A reliable long term investment
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A PROPERTY INVESTMENT STRATEGY
THAT ACTUALLY DELIVERS
Foreword by Philip Easter FCCA
Client and now Chairman of Platinum Portfolio Builder
Welcome to the 2013 edition of Platinum Portfolio Builder’s ‘The
five fundamental principles of property investment’. This guide is
written by the founder, Nick Carlile, whom I first met when a
colleague and leading UK franchise lawyer made me aware of the
award-winning Platinum Portfolio Builder opportunity.
Having enjoyed a long career as a Board level Executive with Aviva plc, working with the Group’s plc Board, key
shareholders and investors to optimise the value of the worldwide Group, I was looking to build a personal
portfolio of business investments and interests that I could invest in for my future and that of my family. With a
love of property and having experienced considerable personal success in my own property investments over the
years, the Platinum proposition quickly began to stand out for me, for the following reasons:
 The opportunity that Platinum Portfolio Builder provides as an alternative long term savings strategy,
which complements my existing pension provision.
 The quality and professionalism of the people – in particular, the complementary skill sets demonstrated
by Nick Carlile and the Platinum Portfolio Builder team.
 The passive nature of the Platinum Portfolio Builder model, which allows me to concentrate on other
interests.
 The opportunity to take advantage of the prime conditions in the property market now.
 The opportunity to deploy surplus capital in a way that is very cleverly leveraged.
 The ability to add a property diversification to my investment portfolio.
This guide contains the five fundamental principles which are the backbone of what Platinum Portfolio Builder
does on a day to day basis which are based on Nick’s own experience and expertise. The specific strategy of
Platinum Portfolio Builder is discussed in the next section and incorporates all five of these fundamental
principles which can deliver exceptional returns for our clients.
Enjoy the read!
Philip
Philip Easter FCCA
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About The Author
and Platinum Portfolio Builder
This guide is written by Nick Carlile, the Founder of Platinum Portfolio
Builder and an investor since the age of 19.
“I love investing in property - for me, it’s the best investment I can make.
It’s something I understand, it’s tangible and, whatever happens, unlike
many other forms of investment, property always retains an intrinsic
value” says Nick.
Nick is a qualified Quantity Surveyor, who has worked in the property
construction and investment industry since the age of 16. His skills lay in
being able to identify, manage and overcome the risk of investing in largescale UK and international property projects and he has headed a number
of such projects alongside investing in safe, solid and sustainable housing
stock in the UK.
It is this safe and solid housing that is at the core of what Platinum Portfolio Builder does. Nick developed and
now manages the business, which is based in South Yorkshire, along with his team of expert property
professionals.
Platinum Portfolio Builder is for those who don’t have either the time, skill or desire to be active in property but
who still want to create or diversify an investment portfolio. We allow passive investors to have a UK property
portfolio built and managed on their behalf by an experienced, knowledgeable team. There are also additional
joint venture opportunities, where clients can partner with Platinum Portfolio Builder on an entirely passive
basis.
The business has in-house teams of expert buyers, project managers, builders and letting agents. We buy
discounted property, using our extensive knowledge and contacts, to secure an instant profit for clients. The
properties are then let and managed for clients on an ongoing basis, until such time as they want to sell them
and cash in their profits.
Platinum Portfolio Builder only buys properties where we can achieve a minimum discount of 25% against an
independent RICS valuation. Last year, an average discount of 28% was achieved for the benefit of clients.
We work with clients who have between £75,000 and £1,000,000 to invest and can offer great returns.
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A PROPERTY INVESTMENT STRATEGY
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At a time when many people are unhappy with the poor returns, high fees and uncertainty associated with
traditional investments and pensions, Platinum Portfolio Builder only uses proven business models to
consistently achieve great returns and security through intelligent property investment.
Platinum Portfolio Builder works responsibly and with integrity in all areas of business, and is dedicated to giving
back into all areas.
We hope you find this information useful.
Kind Regards,
Nick Carlile
Founder and Managing Director
Above - The property professionals at Platinum Portfolio Builder reviewing recent property acquisitions for
clients.
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The Five Fundamental Principles of Property Investing
What many people seem to forget is that the fundamental principles never change over time – that’s why they
are fundamental principles! Whenever I've lost money in property it’s when I've forgotten or ignored these
principles. Looking back and analysing what went wrong usually reveals that I was too quick to chase a deal at the
expense of careful analysis and ignored these fundamental principles.
By definition, these principles are timeless and apply to almost every type of property deal. In the current climate
they are even more important than before and if you follow them, you should be successful.
Of course, there are other aspects to successful property investing, but these are a good place to start. Whilst
they might seem simple, they are not necessarily easy to adopt.
Always buy
at a
discount
Stack the
odds in
your
favour
The 5
fundamental
principles of
property
investment
Invest for
the
medium to
long term
Always add
value
Cash flow
positive
These five fundamental principles are the backbone of what Platinum Portfolio Builder does on a day to day
basis. The specific strategy of Platinum Portfolio Builder is discussed in the next section and incorporates all five
of these fundamental principles to deliver exceptional returns for our clients.
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A PROPERTY INVESTMENT STRATEGY
THAT ACTUALLY DELIVERS
Professional Investment Strategy: The PPB Strategy
We firmly believe that 2013 and the immediate following years will present a great opportunity to secure
properties at significantly reduced prices. We still don’t know what the full impact of the Government spending
cuts will be, but the immediate impact will be to stop people from buying and encourage them to rent. If there is
a ‘triple dip’, then anyone new to property investment needs to make sure that they have the knowledge, skills,
professional advisors, systems, strategies and support network in place to maximize returns and mitigate risks.
In our view, due to the constantly changing economy and property market, the days of the amateur investor are
long gone. Consequently, whilst in this next section we will explain our investment strategies as clearly as
possible, we would discourage you from trying to carry them out alone. Although the concepts are fairly easy to
understand, implementing them successfully requires a sophisticated approach and all our investments are
subject to an enormous amount of detailed research, analysis and expertise, throughout the process.
The Platinum Portfolio Builder investment strategy combines The Five Fundamental Principles of Property
Investing to create a market-leading strategy that is the best way to capitalise on the opportunities that are
currently available in today’s market.
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1. Always Buy at a Discount
The property investment community has been buzzing with the ‘mantra’ of buying properties ‘below market
value’ (BMV) for a number of years now. We personally talk about buying property ‘below surveyed value’ and
define BSV as making a purchase that is at least 25% less than the value that an independent Royal Institution of
Chartered Surveyors (RICS) qualified surveyor has placed on the property. For example, if a property is on the
market for £110,000, is valued by a RICS surveyor at £100,000 and you then buy it at £75,000, we would consider
that a BSV purchase.
Right now, professional investors everywhere are talking about this strategy and trying to secure properties with
these kinds of up-front discounts. Some will be successful, some won’t, and we strongly suggest that you seek
professional help from those that have years of experience at buying below true market value.
The key thing to remember is that if you can buy with this level of discount, you are essentially securing equity on
a purchase, rather than the ‘buy and hope’ strategy which relies solely on capital growth. If the property market
does decline further, buying with a 25% or greater discount means you are very well insulated against further
falls.
A PPB BSV purchase
The property to the left shows a PPB BSV purchase which is now
owned by one of our clients, and now Chairman – Philip Easter.
Market value
£138,500
Purchase price £102,000
Refurb costs
£1,975
Total costs
£103,975
Equity
£34,525
BSV
25%
Bear in mind that buying below surveyed value is easier when the media is talking about the market ‘falling’, as
opposed to ‘market recovery.’ It is also much easier to buy when others are fearful and not buying, as there is
much less competition.
The process of understanding a BSV strategy is simple enough, but it is the actual practicality of finding suitable
properties and sellers, doing accurate analysis, negotiating with the vendors and structuring appropriate
financing techniques that can be difficult to get right.
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A PROPERTY INVESTMENT STRATEGY
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Before you even begin to think about buying BSV, would you be happy to sell your property for 25% below its
surveyed value? Probably not! However, people sell BSV for many reasons. Many still have decent equity in the
property but can’t release it due to the lack of buyers, the speed at which they want to sell and some other
factors. To give you an insight of where we secure deals from, here is a list of some recent purchases and the
reasons that we were able to secure these deals:
 An inherited property where the vendors simply wanted to release their inheritance as quickly as
possible without having to deal with an estate agent.
 A call from an agent who had visited a potential vendor, who had a personal reason for wanting to sell
quickly and was willing to accept a discounted price. The agent called us and a deal was done within 24
hours, prior to the property even being listed with the agent. This happens a lot because of the contacts
that we have and the proven track record within our chosen area.
 A vendor wishing to step up in the market. We bought their
property, which was worth £100,000 for £70,000. Although they
had reduced the price of their property, they were then in a
position of not having a chain behind them and were able to
negotiate hard on a property that was worth £230,000, securing
it for just £195,000. This meant that the discount they had given
us was more than recovered in their purchase. We even helped
them with their purchase negotiation.
 A vendor who had lost their job and couldn’t afford to pay the
mortgage was being chased by the lender for missed payments.
This was a win-win situation, as it stopped the vendor from being
repossessed and meant they maintained a good credit rating for
the future.
 A developer who had come to the end of his site and wanted to
sell his units as soon as possible. We bought 5 brand new units,
which were valued at £125,000, for just £90,000 each.
 A receiver that had taken possession of a complicated deal. It was complicated because the developer
had gone bust on the site prior to 3 houses being completed. The units were un-mortgageable because
they didn’t have kitchens and some other work needed completing. The structural engineer was also
owed money by the developer and had not given the final structural warranty.
This meant that the units had to be bought for cash and, as a result, many other potential buyers had
been put off. We negotiated hard and secured all 3 units for a total of £112,000. With the completion
works the total cost came to £135,000 – £45,000 each.
With an end value of £85,000 each, the units represent one of our best deals at a superb 47% discount –
well done to the Platinum Portfolio Builder team!
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For people in these situations selling to a property investor can be an ideal solution, allowing them to sell the
property and release spare equity and, in some cases stay in their home by renting from the new landlord. This is
called ‘sale and rent back’, which is now regulated by the FSA and has specific conditions under which it can be
done.
To get BSV right, it is essential to create a win-win situation, and understand the vendor’s needs. Remember – no
one should ever force a seller into accepting a low price. It must be their choice and when the time pressure is
greater than the money pressure, creating a win-win solution for both parties makes BSV a viable option.
In many cases, we also offer alternative solutions to the vendors, which can include:
 Selling the property with another agent. As we know the best agents in town it is often the case that the
property could actually be sold if the agent was changed. As with every profession, not all agents are
equal and it can often be the fault of the agent that the property hasn’t sold.
 Debt counselling. For some vendors, the sale of their property is not the best solution and in many cases
we will refer them to our debt counsellors that we know can help. Whilst this doesn’t directly benefit our
business, it often pays us back ten-fold through referrals and the outstanding reputation that we have in
our sector.
 Lease options. There has been much hype around lease options in the past few years and the truth is
that they only work for a handful of vendors. They can, however, work where a vendor simply wants to
move the cost of the mortgage or finance away from themselves, but is not prepared to accept a heavily
discounted price for the property. The best example of this type
of deal was The Old Post Office, which was a deal that I did for
myself back in 2009.
The Old Post Office in Barnsley had been developed and
converted into 9 studios and 1 bed apartments by a developer,
who then struggled to sell the units for the asking price of
£90,000 each (£810,000 in total).
The truth is that the price was slightly high and we obtained a
RICS valuation of £75,000 each (£675,000 in total). The main
reason for the lack of buyers was that mortgage lenders had
completely lost their appetite for apartment schemes. Even
though this was a conversion and not a new build, prospective
buyers struggled to get finance. The developer did not want to
rent the units, and was not too keen to sell the units at a full
discount of 25%, which would have been £56,250 each or
£506,000 for all of them, when taken against our independent
survey. The solution was for us to meet somewhere in the middle
and we agreed a lease option for the entire development on the
following terms:
Above: The Old Post Office in Barnsley
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A PROPERTY INVESTMENT STRATEGY
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 An option to purchase the units for a price of £600,000, payable within 5 years.
 We lease the properties from the developer for rental of £32,000 per annum. The rental income is
around £40,000 per annum, so will generate a reasonable margin.
Note that this is an option to purchase, not an obligation, which means that we can buy if we want to,
but don’t have to. This essentially gives us a hedge against what we believe the market will do within
those 5 years. Just 2% per annum growth will give a value of £745,000 at the end of 5 years.
This is a true win-win deal because:
 The vendor gets £600,000 for his property instead of our BSV offer of £506,000, albeit in 5 years.
 The vendor is released from the property and doesn’t have to worry about renting it out, as this is
not his area of expertise.
 We make a gain on the property from rentals for a period of 5 years.
 We have the option to buy the property in 5 years, should we wish to, and the numbers stack up.
Above – examples of other properties bought by PPB at a discount.
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A BSV Case Study:
John Wass, a self employed project manager who has been a PPB client since 2010 wanted to invest passively in
‘below market value’ properties that would supplement his existing income and provide further pension
provision. The four properties that Platinum Portfolio Builder sourced for John were successfully renovated and
let to tenants without him having to deal with the process himself. John has already benefited from excellent
equity, has now recycled almost all of his capital originally invested and the properties are delivering positive
cash flow.
Higham Common Lane - 3 bed bungalow
Value after refurbishment £ 119,000
Purchase price
£ 80,000
Purchase costs
£
1,799
Refurbishment
£
347 insert photo here
Total cost
£ 82,146
Instant equity
£ 36,854
Discount
30.97%
Peartree Orchard - 2 bed mid-terraced
Value after refurbishment £ 95,000
Purchase price
£ 68,000
Purchase costs
£
1,605
Refurbishment
£
810 insert photo here
Total cost
£ 70,415
Instant equity
£ 24,585
Discount
25.88%
Oak Street - 3 bed semi detached
Value after refurbishment £ 85,000
Purchase price
£ 50,000
Purchase costs
£
1,500
Refurbishment
£ 12,178 insert photo here
Total cost
£ 63,678
Instant equity
£ 21,322
Discount
25.08%
Wharncliffe - 2 bed semi detached
Value after refurbishment £ 115,000
Purchase price
£ 77,000
Purchase costs
£
700
Refurbishment
£
8,400 insert photo here
Total cost
£ 86,100
Instant equity
£ 28,900
Discount
25.13%
John’s first four properties are shown above. They have a combined value of £414,000 with equity of over
£111,000.
John is now a Premium client with PPB and enjoys many additional benefits through investing again with us.
12
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A PROPERTY INVESTMENT STRATEGY
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2. Always Add Value
‘Always add value’ stretches further than just the practicalities of adding value to the property. It includes adding
value when you meet vendors, agents and anyone else involved in the process. The reason many clients choose
to work with Platinum Portfolio Builder is that we add value to their investments through our experience,
contacts, knowledge, buying power and wide expertise.
To look at the obvious area of adding value to a property, Platinum Portfolio Builder carries out refurbishments in
an extremely cost-effective manner. We buy materials in bulk and drive a hard bargain with material suppliers
that want our business. This does not always mean that we are driving the price down; in fact, in some instances
we add value to the refurbishment in other ways. An example of this would be that we have secured a five-year
parts and labour warranty on all new boilers that are installed, instead of the usual 1-2 years.
We always use a similar specification, which means we can carry out the refurbishments in record time and for
the minimum cost. A typical refurbishment for us would include the following items, costing between £8,000 and
£12,000:
 Rewiring
 New heating system
 Replastering
 New joinery works
 New kitchen
 New bathroom
 Full decoration
 New floor coverings
Most people would spend almost double what we do and take twice as long. By getting the balance right
between spending just enough to get top market rent and lower voids, and not overspending, we add the most
value to any property. Every £1 that we spend typically adds between £1.50 and £2 to the value of the property.
Above – we use qualified trades people to ensure the standard of work is high in each renovated property.
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Below are some examples of the refurbishments we completed last year:
Before
After
Before
After
Before
After
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A PROPERTY INVESTMENT STRATEGY
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Before
After
Before
After
Before
After
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3. Ensure That the Property is Cash Flow Positive
This is critical to ensure that you don’t become one of the ‘buy and hope’ investors. Whilst our main strategy is to
buy discounted properties to ensure that you have instant equity and a safer alternative to traditional pensions,
we also ensure that the properties which we do buy are cash flow positive.
Turnover is vanity, profit is sanity!
It is also critical that you don’t kid yourself when you do the numbers and that you take into account all of the
costs that are known. You should then make an allowance for voids and maintenance, which will inevitably
happen at some point.
Below is an example of a property that we purchased recently, showing the cash flow after all costs and a healthy
allowance of 10% for voids and maintenance. Remember also that this property was purchased at a discount of
26%, which secured instant equity of over £23,000 for our client.
There are some points to note about the above figures:
 The rental income is a conservative figure. We will often offer our properties for slightly lower rent
(maybe 3-5% less) than our competition to ensure that they are filled quickly. Coupled with the fact that
our properties are refurbished to an extremely high standard, this is almost always achievable. We can
then tease up the rent once we find a good tenant that we want to stay. Remember this: if you spend
one month finding a tenant; that equates to 8% of your rental income gone for that year, plus you will
have the costs of council tax, gas, water and electricity bills and the risk of an empty property.
 The mortgage is based on a fixed-rate mortgage for a 5-year period.
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A PROPERTY INVESTMENT STRATEGY
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 Lettings and management is based on an all-inclusive rate and looks like 12%. It’s actually 10% plus VAT.
 Insurance provides a great saving for our clients, as we insure all our properties under a single policy. The
policy is robust and is underwritten by a leading UK insurance provider.
 Gas testing is an essential legal requirement and we arrange this for our clients.
 Voids allowance of 5% is a robust average across our portfolio. The quality of the properties that we buy,
the refurbishment standard, plus a waiting list of 9,000 people in the area who are waiting for affordable
housing make our overall voids figure around 3%.
 Maintenance will always occur but, because we refurbish to a high standard and we secure a 5-year parts
and labour warranty on all new boilers, this is reduced. We also work with a number of builders who
carry out lots of refurbishment work and will carry out small repairs on properties without charge. Our
Contracts Manager who looks after the refurbishment and maintenance is also handy with a screwdriver!
HMO for additional profits
HMO or Houses of Multiple Occupation can be a great way to secure additional cash flow, but they are
certainly not for the novice or faint hearted investor. They require much larger sums for deposits,
refurbishment, regulations and furniture.*
PPB can secure and manage HMO’s as part of the wider strategy for our Premium Clients – just ask for more
details.
* They can give great cash flow when done correctly or can be a real noose around a novice investors neck.
Above – South Yorkshire street scenes – safe, solid, reliable investment properties.
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4. Always Invest For the Medium to Long Term
This is essential. If you have observed the first three fundamental principles, then you are in great shape to do
this. The truth is that no one can predict what will happen to the UK market in the short term.
Greed and fear are two of the most powerful reasons as to why people buy anything. Coupled with the media,
many people make their investment decisions based on the thought that they can either make a quick profit or
that they may lose a lot of money.
In any economy, and in all sectors, you will always have pioneers and the followers. The pioneers are the ones
that enter the market when everyone is fearful and stick around until after the followers (or masses) have
entered and driven prices upwards. The pioneers are the ones that many talk about after the event with phrases
like; “I wish I’d invested when he/she did”.
For example, if you had invested in 2000, you would have effectively enjoyed an 8-10% annualised return over
the last 12 years.
In the event that you find yourself in need of selling quickly, then the fundamental principles of always buying at
a discount and adding value will give you some scope in your asking price to offer a discount to any incoming
buyer and allow you to sell quickly.
“To be a true property investor you have to play the long game.
Property is not a get rich quick scheme – it’s a get very rich steadily
scheme”
Nick Carlile – Founder of Platinum Portfolio Builder
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A PROPERTY INVESTMENT STRATEGY
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5. Stack the Odds in Your Favour
This is a really important point to consider at this stage – what type of property will you invest into? Sexy
properties mean risks, whilst dull and boring often means safe, solid and reliable. We buy safe, solid and reliable
2 and 3 bedroom houses, simply because they appeal to a wide choice of buyers. Whilst the list below is a little
simplistic (most of the best ideas are) and doesn’t apply to every area of the UK, it has some timeless values that
you should consider.
Just compare a 3 bedroom house with a garden and dining room to a 2 bedroom apartment:
 Both properties would probably appeal to First Time Buyers in equal measure.
 The 3 bed house would appeal to more young couples considering starting a family.
 The 3 bed house would appeal to more family buyers with children.
 The apartment would appeal to more young professional buyers who work hard and play hard.
 The 3 bed house would appeal to more growing families.
 The 3 bed house would appeal to more retiring people and those that are downsizing.
As stated before, the list above is a little simplistic but the point is that you stack the odds in your favour much
more with a 3 bed house than you do with a 2 bed apartment. Often, in many areas, 3 bed houses can be bought
for the same price as apartments, especially if you go a little way out of town and city centres and into the
suburbs. In most cases, the rental yield is much higher on a house and you won’t have the added costs of ground
rent and the uncertainty of service charges.
Other ways to stack the odds in your favour include:
 The first four fundamental principles of investing will give you safety and security in your investment.
 Areas of significant investment. The areas in which we invest have significant inward investment and are
sandwiched between two of the Government’s Local Enterprise Partnerships. These are areas that have
been designated by the Government and are designed to drive sustainable local economic growth and
create the conditions for private sector job growth in their communities.
 Affordable areas. Particularly with the current economic climate this is particularly important. We buy in
an area of the UK that is sandwiched between two large cities. To the South is Sheffield and, although it’s
only 30 minutes away, it’s an average of 31% more expensive. To the North is Leeds and, again, only 30
minutes away but an average of 40% more expensive.
 High tenant demand means that the properties which you buy will generate profit on a monthly basis
and are less likely to become void and therefore cost you your hard-earned cash. We rent around 30% of
our properties to Local Housing Allowance tenants (the old housing benefit) and in one area there is a
waiting list of 9,000 people that are looking to rent affordable housing.
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Platinum Portfolio Builder
Platinum Portfolio Builder has developed an investment offering that allows clients to leverage not only their
money, but also our wealth of expertise in sourcing properties at between 25% and 40% below their current
market value (as verified by a RICS surveyor).
Platinum Portfolio Builder builds and manages property portfolios for people who want to invest in property but
who don’t have the time, knowledge or skill to do it themselves. We only buy properties where we can achieve a
minimum discount of 25% below an independent RICS valuation. Last year, an average discount of 28% was
achieved for the benefit of clients. Our clients are those who have between £75,000 and £1,000,000 to invest.
We have in-house teams of expert buyers, project managers, builders
and letting agents and we buy discounted property using extensive
knowledge and contacts that secure an instant profit for clients. The
properties are then let and managed for clients on an ongoing basis
until they want to sell them and cash in their profits. We recognise that
many people are unhappy with the poor returns, high fees and
uncertainty associated with traditional investments and pensions. Our
proven models of property investment achieve market-leading returns
and security through intelligent property investment.
Our portfolios are currently built in South Yorkshire, focusing primarily
on the area halfway between Leeds and Sheffield, where the Founder,
Nick Carlile, worked for many years as a quantity surveyor and project
manager. He has also bought, sold and rented out properties in this
area since 1993. It is a market that he knows particularly well and one where he and his team have built solid
relationships with estate agents, developers and other experts who source properties for Platinum Portfolio
Builder. Teams of tradesmen and property, legal and financial professionals all enable Platinum Portfolio Builder
to take advantage of the very best opportunities and structure great deals.
You should never invest in property unless you have visited the area/property itself and we believe that you
should never invest in a property company unless you have spoken to and met the owners! We have a varied
programme of events across the UK throughout 2013 and we would be delighted to spend time helping you with
your property investment plans and goals.
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Platinum Portfolio Builder
Telephone: 01226 732606
www.platinumportfoliobuilder.co.uk
A PROPERTY INVESTMENT STRATEGY
THAT ACTUALLY DELIVERS
Testimonials
“Investing passively with Platinum Portfolio Builder is
an ideal investment for me. The unique opportunity to
buy below market value, coupled with the extensive
knowledge of the team, makes me very confident in my
investment”
“Nick’s exceptional business skill
Katherine Newman, Civil Engineer & PPB Client.
Chris Alton – PPB client.
“I have been one of Nick's clients for the
past 2 years. In this time I have witnessed
PPB grow, evolve and improve under
Nick's leadership. The key things that I
would compliment Nick upon are that he
conducts himself with calmness,
professionalism and integrity at all times. I
have complete trust in him and look
forward to a long investment relationship”
– John Wass – PPB Client
and customer oriented attitude has
taken Platinum Portfolio Builder
to another level within the UK
property investment world”
“Thank you very much for our visit to PPB Barnsley office
last Friday. We were impressed with the very visible
performance management on the walls! But what stood
out most was the energy level in the office - you clearly
have a great team, that gave us confidence in PPB's
capabilities for managing property portfolios”
Warren Burgess, Director BP & PPB Client.
“Nick’s knowledge is outstanding. I can honestly recommend Nick
Carlile to anyone who is considering hiring his phenomenal
knowledge and contact base”
Gerard Scannell, Ex-Warehousing
Director & PPB Client.
John Dallas - Professional Property Investor.
“If you are looking for a monthly passive income
with capital growth then an investment with
PPB and Nick Carlile is a must. Nick's business
integrity and knowledge of the local property
market is second to none. Without doubt,
investing in Nick's company has been my wisest
and most profitable business decision I have ever
made” – John Barrett – Engineer & PPB Client
"My only regret is having not
invested sooner. This investment is
allowing me to spend much more
time with my son without worrying
about having to work”
"I hav e know n Nick now for at least 6 y ears and during
t hat t ime hav e found him t o be an excellent negot iat or for
purchasing propert y bot h at home and in Europe for
client s. Nick has alw ay s maint ained and honoured any
agreement s made and can be t rust ed financially ”
N igel Hamblett – Property Investor
While every attempt has been made to verify information contained in this guide, neither the author nor participants in the content assume any responsibility for errors, omissions
or accuracies. The advice given here is general educational advice and is not advice of any other entity or business associates of the author. An individual or entity is urged to seek
independent advice before taking any financial decisions based on information in this guide. Any slights of people or organisations is unintentional; the services of a property
qualified professional should be sought by the reader for any legal, financial or tax advice.
The author specifically disclaims responsibility for any liability, loss or risk – personal or otherwise – which has occurred as the direct result of the publication of this guide. Neither
the author nor the publisher shall be liable for damages arising herein.
21
Platinum Portfolio Builder
Telephone: 01226 732606
www.platinumportfoliobuilder.co.uk
PPB have a range of free resources including other useful Guides, Newsletters,
Magazines and Your Property Pension book. For your free resources just get in
touch.
Enquiries
Yorkshire Office
If you’d like to discuss your property investment or to
arrange a site visit, please contact us on:
T: 01226 732606
F: 0845 2807789
E: [email protected]
10 Churchfield Court
Barnsley
South Yorkshire
S70 2JT
Platinum Portfolio Builder has won a number of Awards including:
 Compare the Financial Markets – Most Innovative UK Property Investment 2012
 OPP – Award for Excellence 2011
22
Platinum Portfolio Builder
Telephone: 01226 732606
www.platinumportfoliobuilder.co.uk