simplefastmortgage.com

simplefastmortgage.com We offer mortgage, equity release, and insurance advice to individuals and businesses nationwide.

Do you want to come to the best property networking event in Manchester for free?I’ll be doing a monthly mortgage update...
31/05/2026

Do you want to come to the best property networking event in Manchester for free?

I’ll be doing a monthly mortgage update at the next Manchester North Property Investors Network (pin) event to keep you updated on the ever-changing financial world 👉🏼 from mortgage market insights to funding strategies.

For the month’s fantastic speaker we have:

🔸 Kristian Sparrow - sharing how he built a diverse property portfolio from the ground up, including how one development company grew from a £30k investment to £1.8m in assets within its first year.

🔸 Max Wright - revealing how to earn money from buildings you don’t own, from raising £15m in private equity to repurposing vacant properties into affordable accommodation for professionals and key workers.

Bring your questions and let’s talk property finance.

🗓 Thursday 4th June 2026
🕕 6:00 PM - 9:00 PM BST
📍 Village Hotel Bury

Book your spot here 🎟: https://bit.ly/BookPINmeetings

If you have not been to a pin meeting before then you can have the first one on me - here is a voucher code to enter on the registration page and come along for free: 𝘀𝗶𝗺𝗽𝗹𝗲𝗳𝗮𝘀𝘁𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲

See you there.

29/05/2026

This is how investors create equity from day one 👀

A lot of people think you need huge deposits to build a portfolio.

You don’t.

What matters more is what you’re buying vs what it’s worth.

In this example:

👉🏼 you put in around £10k
👉🏼 the property is worth £150k
👉🏼 your mortgage is £90k

That means you’ve effectively created £60k in equity from day one.

Now… you can’t access that immediately.

But here’s where it gets interesting…

Once you refinance (say 12–24 months later),
the lender will base it on the new market value, not what you paid.

👉🏼 that’s when you can look to pull some of that equity back out
👉🏼 and potentially recycle it into your next deal

This is why structure matters more than just “buying property”.

You’re not just buying assets…
you’re building in future options.

If you’re trying to grow without constantly putting more cash in,
this is one of the key ways investors do it.

27/05/2026

I was asked a really good question:

“If you could go back to meet 25 year old Rob and give him the best bit of advice what would that be?”

My answer? It’s not about the destination. It’s about the journey.

Back then and even now, I’m always chasing big goals, constantly busy, doing five things at once.

If you live your whole life like that, always looking ahead, you miss what’s happening right now.

These days, I try to enjoy the process. The conversations with clients, the problem-solving with lenders, the teamwork — that’s where the real value is. That’s what makes the work, and life in general, meaningful.

Slow down, stay present, and appreciate the journey.

How do you ensure you stay present and not get caught up in only looking forward?

“I would use this company again and I highly recommend them to anyone“Clarity makes the whole process feel easier.Adele ...
26/05/2026

“I would use this company again and I highly recommend them to anyone“

Clarity makes the whole process feel easier.

Adele mentioned being guided from start to finish 👉🏼 and that’s exactly how it should feel.

Property finance can feel overwhelming when you’re unsure what comes next.

When expectations are clear and communication stays consistent, the stress level drops significantly.

Thank you for the recommendation, Adele 🙌🏼 it means a lot.

If you want straight guidance and no unnecessary complications, feel free to reach out.

The Renters’ Rights Act could create a problem for landlords upgrading properties to EPC C.Most of the conversation arou...
25/05/2026

The Renters’ Rights Act could create a problem for landlords upgrading properties to EPC C.

Most of the conversation around the new legislation has focused on Section 21 ending…

But I think one of the biggest issues being overlooked is this 👇🏼

How do landlords carry out major EPC upgrades if tenants don’t want to leave?

With open-ended tenancies becoming the norm, creating a void period to do refurbishment work becomes much harder.

And for many landlords upgrades like:

- insulation
- new heating systems
- windows & glazing

aren’t always practical with tenants living in the property.

The challenge is that the main possession route for redevelopment (Ground 6) has quite a high threshold and likely won’t apply to many standard EPC improvement projects.

So I think this leaves landlords needing to plan much earlier than before.

The investors who stay ahead of this now (budgeting properly, reviewing EPC ratings early and communicating with tenants well in advance) will probably avoid a lot of stress later down the line.

Especially when fines for non-compliance could reach £30,000 per property 👀

Personally, I think this is another reminder that property investing is becoming more operational and regulation-heavy… not just “buy a property and wait for growth”.

Worth paying attention to if you’re holding older stock or planning BRRR/development projects over the next few years.

22/05/2026

Most people assume every deal needs a big deposit.

But if the numbers stack… that’s not always the case.

If you’re buying well enough, there are ways to:
👉🏼 reduce how much cash you put in
👉🏼 still secure the asset

The key is understanding the finance side, not just the deal.

The property isn’t the risky part.The structure is.Before committing to a deal, you should know:👉🏼 what happens if valua...
21/05/2026

The property isn’t the risky part.

The structure is.

Before committing to a deal, you should know:
👉🏼 what happens if valuation comes in low?
👉🏼 what happens if exit refinance rates are higher?
👉🏼 what happens if build costs creep?

Too many investors analyse the deal… but not the finance.

And finance is what determines:
– how much cash stays in
– how quickly you recycle capital
– whether you can scale

We help investors run scenarios before they commit.

It’s easier to adjust before you exchange.

If you’ve got a deal you’re analysing, happy to sense-check it with you.

20/05/2026

HMO commercial valuations - getting the right lender for the job is crucial.

A lot of mortgage lenders say they do commercial valuations 👉🏼 but the reality often looks very different.

The real test is in the lenders 𝗰𝗿𝗶𝘁𝗲𝗿𝗶𝗮 𝗯𝗲𝗵𝗶𝗻𝗱 𝘁𝗵𝗲 𝘀𝗰𝗲𝗻𝗲𝘀.

If the lender gives the surveyor a tight framework to work within when valuing the property, it can completely limit what’s achievable.. even if the property should justify a higher valuation.

That’s why it’s crucial to work with a lender whose approach actually supports your HMO strategy, not one that ties the surveyor’s hands behind their back.

If you’re planning your next HMO project, make sure your lender setup doesn’t quietly cap your valuation potential.

“I have found Rob and team nothing short of excellent in the process“Raising capital properly can change the speed of yo...
19/05/2026

“I have found Rob and team nothing short of excellent in the process“

Raising capital properly can change the speed of your portfolio growth.

Derek worked with us to raise funds from an existing property to move into HMO development.

What stood out here was his comment about our holistic approach.

Finance shouldn’t sit in isolation.
It should connect with protection, long-term planning and risk management. ✅

Capital raising is powerful, but only when the wider structure supports it.

Appreciate the trust, Derek.

If you’re considering pulling equity for development, let’s look at the bigger picture, not just the loan.

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Altrincham

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+443330902025

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