SarahBeenySpringIssue2017 - 51
days of a sufficient state pension
may well be long gone, so it is clearly
advisable to begin to think about
how you can take more responsibility
for yourself and plan for your future.
MEET THE EXPERT
'YOU HAVE TO
Property mentor Hazel
de Kloe, 42, went from
humble beginnings as a self-employed
musician and music teacher to owning
a multimillion-pound property portfolio
Hazel de Kloe has been a landlord for
more than 15 years and has 'ridden the
waves' of the property market in that
time, both through the boom years and
more importantly through the tougher,
As well as affording herself and her
post-'credit crunch' years.
husband Dennis a lifestyle they could
Although the property landscape is
only have dreamed about years before,
still shifting, there are opportunities
Hazel has also been successfully
for those willing to look beyond the
mentoring and coaching other budding
immediate horizon of government tax
property investors for nine years.
changes and more stringent buy-to-let
In her work, she sees many people
(BTL) lending criteria.
who go into property with very little
So, why would anyone bother to
'proper' understanding of what they're
become a landlord right now, when the
doing or getting into.
market is not as easy as it used to be?
With so many changes in regulation
Hazel says: 'The next few years will see
and legislation currently taking place,
a period of sorting out the wheat from
Hazel works to help people successfully
the chaff. Landlords will have to make a
navigate their way through complex
decision whether to stay in the business.
territory and see how they can make the
'I believe a significant number will
most of their particular situation.
decide to sell up, particularly those who
She has a reputation of plain speaking
have been in the business for many years
to ensure people understand and know
with only one or two properties and are
exactly what they could do next.
tired of it all - which means opportunities
As well as being endorsed by, and
for those people wanting to get in.'
writing articles on the state of the UK
There are still a number of reasons
property and landlord scene for, estate
why property makes so much sense.
and letting agency brands such as
For example, the law of supply and
Martin & Co, Whitegates, Parkers and
demand shows some huge advantages
C J Hole, Hazel has also been a finalist
for UK landlords, as follows:
in the National Landlord Association
Property Women Awards - so she's
There is still major demand for goodcertainly worth listening to.
quality rental stock
House-building programmes are not
keeping up with demand
Consistent levels of immigration
How it could work
Land is ultimately 'limited'
When you know what you
as Britain is an island
are doing, you can be
Decent levels of
pretty creative with
funding are still
how you buy and run
available for BTL.
those properties to
To be in a chance of
Of course, there are
get the best possible
winning a place on the
many other factors to
return, as well as great
take into account.
Learn tips on how
worth £2,997, go to
'With the right help
to mitigate the risk of
and guidance from
higher interest rates,
someone who has
built their business
and even void periods,
from the ground up, you
to ensure that your
can learn to steer your way
business is as stable and
effectively, efficiently and safely to
solid as possible. You can be as
a wealthier future through property.'
hands-on - or not - as you choose.
That's exactly what she has done for
Being savvy with your cash flow and
more than 260 clients since 2007, and
adopting different strategies to increase
her reputation speaks for itself.
it will also help you survive and thrive in
Acquiring just a handful of properties
this new environment.
over the next five to 10 years, and then
For example, in addition to generating
holding on to those properties for the
decent revenue from well-researched
following 10 to 20 years, could make all
and placed buy-to-let properties, you
the difference to your financial future.
may also consider setting up a few
Here's an idea of what could happen...
HMO (House in Multiple Occupation)
properties, which could really boost
your monthly income.
'I'm a great believer in the saying
"where there's a will, there's a way",'
says Hazel. 'Essentially, that is the
attitude you will need to adopt when
searching for, and purchasing,
properties to generate an income.'
Now, more than ever, it is essential
to go into every property deal with
both eyes wide open and educate
yourself about the potential pitfalls
before committing to anything.
Hazel's company, Why Property Works,
offers exactly that expertise to current
landlords and people who are already
building or are considering starting their
Hazel believes that having a greater
understanding and knowledge of this
industry leads to the clarity, confidence
and certainty needed to be successful.
Why not give your property activities
the boost they need?
You can learn at your own pace and in
the comfort of your own home via The
Property Circle, Hazel's unprecedented
and unique online learning resource.
Here, you have direct access with her,
as well as her expert team, via weekly
calls and can take her comprehensive,
step-by-step Property Success
Foundation™ Training Programme.
You can also choose from more
bespoke mentoring and coaching
options. Topics ranging from raising
finance and structuring your business,
to sourcing properties and maximising
potential, are all covered.
Through her guidance and with the
benefit of her length and breadth of
experience, anyone who is willing to
learn will master the essential skills they
need to succeed and prosper in this
varied and exciting business.
To get a copy of Hazel's latest free
report, called the Golden Rules for
Property Success, visit goldenrules.co.uk
- and she is also offering one lucky
reader the chance to win a place on her
year-long programme - worth £2,997!
Go to athomemagazine.co.uk/
competitions for details and to enter.
FOR MORE INFORMATION
Call 01303 766455
or goldenrules.co.uk for a free report