Lisa Orme

Lisa OrmeIndependent Financial /Mortgage Advisor

Lisa was a forensic scientist for 14 years and began her new career as a letting agent and property investor ten years ago. A successful property developer and investor Lisa has bought, sold and rented hundreds of properties in the Midlands and is particularly well known for her advanced strategies and down-to-earth approach.

Lisa is also a mortgage broker and offers a range of finance, insurance, wealth management and asset protection products; specialising in advice and services for new and established property investors.

To contact Lisa email info@justdoproperty.com

Please leave your Questions and Comments Below:

  • http://www.cairnssharehouses.com Cairns Share House

    Hi Zoe, I have a few properties at the moment, and I'm looking to buy another one towards the end of the year. Is it wise to buys property around the Edmonton area? I thought it may be a good idea because that area is experiencing so much growth.

    • Zoe Cairns

      Hi, you would need to do your due diligence and research to make sure that Edmonton is a good investment area. I don’t particular know Edmonton, and therefore advise you conduct your research and contact various letting agents in the local area to find out the supply and demand. Hope this helps.

  • Allan McIntosh

    http://www.justdoproperty.co.uk/property/top-ten-…

    Hi,

    I saw the list of buy to lets on the above link.

    Could you give me more info on the 80% including the name of the lender please.

    Thanks,

    Allan McIntosh

    • Zoe

      Hi Allan

      No problem give me a call at the mortgage desk and I'll go through the details.

      Thanks,

  • Riz

    Hi Zoe,

    Came across your article on the above mortgage works product, which seems to be ideal for what were doing at the moment.

    Can you explain what the lender classes as light refurbishment. Ie, would they see a property currently back to brick state, but just needing internals doing, approx. £30,000 spending to complete as a light refurb or not. In it's current state property is totally uninhabitable and needs everything from full electrics, plumbing, heating, partitions, bathrooms and kitchens. Another we have only needs kitchen and bathrooms plus painting, around £15,000 spending if above isn't suited to the mortgage would this be more appropriate?

    Hope to hear from you shortly.

    Cheers,

    Riz.

    • Zoe

      Hi Riz,

      No problem. Give me a call and I can go through the full details with you.

  • sherine

    Hello Zoe,

    I have been trying to find information and the best ways for myself to start up my property portfolio without have no money. I am current trying to find the different options that are available on the market financially. I have been looking into the NMD DEALS to find out that it is not legal to do because, all of the high street lenders would not give a mortgage based on the BVM discount and if the vendors discount is not disclosed it will be deem has mortgage fraud. I am trying to find legitimate financial ways of starting a portfolio without having lots or no money.

    I am currently trying to set up a deal to make some money from, this deal involved a council tenant with the right to buy, the mother wants to buy the property on behalf of his son. So that the son can become the legal owner of the property, at the same time she would like to stay in the peoperty and rent back. Then the son would like to use some of the equity from that property to buy another. One of the draw back, the council will not allow the mother to sell the property on for 5 years, if she does she will lose her right to buy discount. Is there any legitimate ways or financial option to set up a deal? is NMD deals legal to do? if there are, what is the best ways to do these deals? and these mortgage providers private companies? I can probably get some deals set up but, my drawback is the NMD deals.

    Will there be another seminar in 2011?

    Any information that you can give will be highly appreciated.

    Kind regards
    Sherine

  • Shadow110117

    If one were a "fly on the wall" I think one would find a substantial proportion of property investors who are (a) successful and (b) have technically committed mortgage fraud. Some of these may get caught. Others may not, I suspect the overwhelming majority. If the Lenders were too rigorous in this matter I suspect they would have very very few clients left, as much money has been removed from the system. These are, of course, just philosophical observations and certainly not advice. But would one prefer an epitaph "Died in a Cardboard Box on the Street, Obeying the Law" or "Technically Broke the Law but Hurt Nobody and Did Much Good"?