In April 2008, the Buy-to-Let investor community generally held the belief that property prices could only ever go UP! I am not exaggerating when I say this, but popular property-developer TV programmes showed investors making money, even when not following the advice of the expert host. The market was very kind, as price increases forgave even the greatest of gaffes. New builds were all the rage. Properties would be snapped up from emails being sent out. And, of course, you could be sure of getting a “bargain discount” from the developer and later refinancing so it was a no-money-down deal. Oh, those were the days, my friend!

Unfortunately for many, what happened next was the consequence of being over-leveraged and over-dependent on the default credit system that had broken all the rules of prudent lending, including self-certified (liar) loans that were noddingly granted by each party in the sequence of approval. Well, the general public is now recognising the writing on the wall this time around.

This month, I have released the full gamut of strategy manuals that go way beyond the “lease option mania” that we created in the United Kingdom the first time around. Neither the “Instalment Contract Pack” nor the “Sandwich Instalment Sales Pack” were released the first time around. If you are 100% totally dependent on the default financial system with a high level of debt exposure, then you may wish to make some adjustments now! If you are a landlord looking to sell off your portfolio and not become a motivated seller as well, take note! There are always opportunities, but “yesterday’s thinking” will not always suffice for “tomorrow’s challenges”.