Dear fellow Investor,

Today’s broadcast is about a subject very close to our hearts, and our wallets! 

the past, we have been big advocates of doing deals in a "no money
down" format.  However, those days are now long gone (courtesy of the
global credit squeeze), and a wave of change has swept through the U.K.
mortgage market with over 600 BTL products being withdrawn in the past
two weeks.

Every day,
we are bombarded with emails from companies, property clubs, and
mortgage brokers telling us that they have found a new way to do
so-called "no money down" deals.   And every day, we investigate these
deal structures and find them to be fatally flawed on a number of

We are also
bombarded everyday with emails from our clients asking us if certain
deals structures presented to them by third parties are legitimate.
And every day, after we have researched their enquiry, we have to go
back to them and tell them that the deal structure is not legitimate.

novice investors in particular, it is very confusing as one person is
saying they can do "no money down", and we are telling them otherwise.
At the end of the day, you must decide who’s advice you trust.

April 2008, it is our opinion that there are now no legitimate ways to
do "no money down" deals here in the U.K. with the current mortgage
products, and taking into account Council of Mortgage Lenders and Law
Society regulations.

(Indeed, our last networking event had a presentation to this effect by mortgage broker, Dan Peacock).

this end, we have joined forces with our colleagues at Property Traders
to bring you the truth about "no money down" deals and to bring into
sharp focus the dangers of doing them: not only from a legal standpoint, but also from a tax perspective; something that is never considered by most investors.

is an unbiased, independent report exposing the serious tax and legal
implications of doing deals in this format and it will answer all your
questions about whether you should be entertaining these deal
structures.  There are issues here which no one else will tell you and
YOU NEED TO KNOW THEM.  There is no need to be confused any longer.

report was co-authored by former Accountant and full time investor,
Mark Tolley, and Mortgage Broker and serial investor, Chris Wright,
along with support and insights from the Directors of 4 Walls and A

For further information, or to purchase your report for £29.99, please click here

at 4 Walls and A Ceiling have a deserved reputation for always giving
you the best possible advice.  Unlike most other companies with hidden
agendas, we have been warning our clients of the dangers and pitfalls
of doing "no money down" deals for several months now.  Our very own
Nick Tadd (Director) was recently seen on BBC2 on "The Truth About
Property", calling for regulation of the BTL industry.  Yet people
still want to believe it when someone tells them that they have found a
way to fudge the system.   No doubt, you will be asked to use their
solicitor and broker.  Ask yourself "why?".  If the deal is legitimate,
you should be able to use any broker and solicitor you choose, as
transparency is a pre-requisite of any legitimate property transaction.

bottom line is … if you are not disclosing the incentive and/or
discount to the lender, it is tantamount to mortgage fraud.

report dissects all these latest "no money down" systems and exposes
their flaws and also flags up the legal and tax implications.  If you
are found to have done one of these fraudulent transactions, you can
end up with a prison sentence and owing the Taxman thousands of

Before entertaining doing one of these deals, you need to read our report.

For further information, or to purchase your report for £29.99, please click here

that most of these deal structures require you to get the property
valued at the gross price.  That means deceiving the valuer/surveryor
in some fashion so that he is not aware of the net price or the
discount/incentives involved.  We have one client who was advised by
another company to pay for four valuations at £450.00 a shot, and was
still unable to get a gross valuation through.  That’s a lot of money
to waste on a deal that fell at the first hurdle!.  On top of that,
there are often significant costs such as bridging finance for the
deposit, two lots of solicitors etc.  Hardly "no money down" when you
take these costs into account!.  (And please do not even THINK about
putting such costs on a credit card … as recommended by unscrupulous
clubs and companies of late … ).

As much as we love the
concept of buying property without putting our hand in our pocket, the
time has come for us to take a stand against the "no money down"
concept.  Too many unsuspecting people are being seduced into these
kind of deals with false promises and a complete lack of understanding
as to what they are letting themselves in for.

If you read our report, you will be convinced that it is now not possible to do it here in the U.K. legitimately  – NO MATTER WHAT ANYONE ELSE MAY TELL YOU. 

For further information, or to purchase your report for £29.99, please click here

do not waste your money on reservation fees, valuations, solicitors
fees etc. This report will explain why and tell you the legal and tax
implications of what you are contemplating doing.  The entity trying to
sell you a "no money down" deal will never tell you these facts or be
able to answer your questions about them.  Indeed, we ourselves have
posed as "mystery shoppers" on many occasions and found fatal flaws in
these deal structures that the person trying to convince us to use them
was unable to explain or overcome!

However, rest assured, the second a LEGITIMATE
mortgage product or deal structure becomes available in the U.K. to do
"no money down", we will be the first to tell you about it, because we
will be using it ourselves!  Until then, extreme caution and a healthy
dose of skepticism is advised.

For further information, or to purchase your report for £29.99, please click here

its worth noting that one in six property investors is going to be
audited by the Inland Revenue.  Therefore, you need to be whiter than
white, and your deals and accounts need to stand up to scrutiny.  Many
of these "no money down"/cash-back formats have yet to be tested
through doing a tax return, and when that happens, these deals will
start to be exposed for what they are and a lot of people who got
involved with them will start to find it hard to sleep at night.  Don’t
be one of them!.

If you are interested in the truth about "no money down" deals, you NEED
this report.  It could save you from financial ruin in the future.
It’s everything you need to be aware of, but didn’t know to ask about.

investor interested in "no money down" deals should read this report
and make up their own mind whether to get involved or not. 

can only make an informed decision on anything when you have all the
facts and fully understand all aspects of what you are attempting to do!

more than ever, education is vital to make sound investment decisions.
This report will educate you as to the truth about "no money down"

at 4 Walls and A Ceiling promote education and networking as we believe
they are vital to your success.   This report is another example of us
helping you increase your knowledge base and make informed decisions to
secure your financial future.

investment is like taking part in a marathon – not the 100m sprint!.
In other words, you need to take a mid to long term view and not be
seduced by deals that seem too good to be true.  There is no "short
cut", or "get rich quick" and be wary of anyone who is telling you
there is!

For further information, or to purchase your report for £29.99, please click here

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  • With the US dollar so weak today many savvy international real estate investors are considering investing in commercial property in the USA.
    The US is at the heart of the credit squeeze and prices are dropping fast. Might be time to shop for bargains there also.
    MasterPlan Capital ( ) has funds immediately available for the purchase, refi and construction of commercial real estate. Commercial mortgage loans from $1MM+. Equity and joint venture funding from $10MM+.
    Apply online,( ) receive an answer the next business day.

  • Like they “if it looks to good to be true, it most certainly is!” – the same over here in Spain, estate agents offering deals that no one else could simply offer?
    Not only estate agents but the time share scandal that has been hitting Spain.
    I saw the program on BBC2 and was quite shocked.

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