These are common fears however you must have the mindset of an investor and not a homeowner. With a good business plan and the correct strategy an investor can make money in any market conditions.

No single investor would be in a position to repeatedly purchase the volumes of property that Property Circles source, nor wish to own such volumes of property in concentrated locations. Furthermore, a developer or house builder would not wish to expose itself by supplying large volumes of stock to only one investor.

We source property for investors who have a genuine desire to build a successful UK property portfolio. Having volumes of genuine investors enables us to source amazing and exclusivity deals made available to our clients and ourselves, which after purchase completion are usually let and managed by our associated letting and management company.

There are many reasons why this will occur. Here are some reasons:

Firstly you must understand the structure of the UK house building industry. Many house builders are large Public Limited Companies (PLC) who must be protective of their share prices, which is often assessed on profitable year end performance.

Apart from the actual construction element, house builders invest £1,000"s into the marketing and sales strategy of each plot to ensure that not only maximum price is received but also sales receipts are received within a financially controlled time period.

Many house builders will rely on costly "development finance" to fund projects, where cash flow can be "tight" due to the handover of property on "high density" sites.

Often the "general public" will only buy when they can view show homes. These days, with high density sites, show homes are often difficult to produce immediately.

In Summary:

• Protect financial exposure
• Meet sales & financial targets
• Save finance expenditure
• Reduce marketing costs
• Ensure property will be completed on agreed dates

With the many options to fix interest rates most investors are able to protect themselves from mortgage repayment increases in the short term at least. Interest rates rising can often relate to a time of "cut backs", which in turn can slow down a property market. In this event, potential home owners may choose not to buy until market uncertainty and or affordability is restored. For the investor, this usually results in there being an opportunity to purchase at more favourable prices and often rental demand increases significantly.

There are no guarantees! However by following a basic due diligence path, you can often understand the strengths and weaknesses of a given market and property. Property Circles helps you to obtain that understanding

This is impossible to answer without a vision into the future. You may be aware of many quotations made on historic performance or even reports of increases that may have occurred last year or even last month. Property Circles has a genuine belief that property values will continue to rise as time goes by making property a beneficial investment. Property Circles also believes that securing property that is Cash Flow beneficial is important where there could be a rental income to cover operating costs is the secret to successful property investment.

Yes! Property Circles undertake a due diligence evaluation on all opportunities before agreeing to promote property, a process we share with our members and demonstrate how they too can undertake research. We turn down and refuse far more property opportunities than we accept.

Property Circles puts its properties into 3 categories. Off Plan deals (available 1 to 4 years), Discounted New Build property (available 1 - 6 months) and market based second hand property. All property has different characteristics, potentially varied performing results within individual portfolio"s and of course are subject to changing rental demands, tenant profile, local market valuation and performance. So it is impossible to provide a conclusive answer on which type of property to purchase. Property Circles is focused on helping investors to build successful portfolio"s and advocate that clients should have a full understanding of all property types available, including the pitfalls of each type.

Property Circles is here to help investors devise a strategy that suits their circumstances and requirements. That could mean buying one property or building a seriously large portfolio. All we ask is that you consider your financial capability in relation to capital investment and cash flow management. Our own generic Investment Strategy, which is provided and demonstrated at our training day, will help you to devise your own strategy or business plan.

You must take a longer term view with any property investment. Property Circles aim to source and secure property where demand and growth should be consistent and strong. If property prices do reduce, discounted purchase price new build and Off Plan deals will help to provide a buffer against a percentage of any short term reductions.

Whilst this maybe possible, this speculative practice is not what Property Circles considers the actions to be a "true" property investor. We believe you will achieve far greater benefits if you build a portfolio by retaining and letting out your property in the longer term.

We generally operate in the Midlands and Northern areas of England. (North of Birmingham and Nottingham, south of Scotland and in between east to west of the coasts). We source property in areas where we believe there is strong and sustainable rental demand and where cash flow neutral and positive acquisitions may be achieved. On occasions we consider other geographical locations where a suitable investment performance may achieved.

Absolutely not. We operate with complete transparency. The price we negotiate is the price you pay directly to the developer.

No. If we did, we would be no different to an "estate agent" acting on behalf of the seller and of course, in the best interests of the seller. All properties are offered to our Members subject to an acquisition fee being paid for our services in sourcing the opportunity.

There are no professional organisations or mandatory bodies that regulate the property investment industry. This means in theory, anyone can set up a company trading in investment property without experience or professional qualification. Our associated Lettings and Property Management company, Direct Let, is regulated by the NAEA, and the Ombudsman for Estate Agents. Property Circles would most certainly welcome any regulation in this sector, in the meantime, we pride ourselves in providing a professional service following the principles up held by other property based professional and regulatory bodies.

You are free to use a solicitor and mortgage broker of your choice. Property Circles does not provide or participate in such activity. We do have contacts with Solicitors practicing in "England & Wales" conveyance law, with competent experience in dealing with new build and market based acquisitions. Upon request, we will share our contacts with members.