Frazer’s Book Is The Number 1 Bestseller!

As you’re probably aware by now, Frazer has written another book called ‘The Alternative Guide To Property Investment’ which is all about how you can use crowdfunding to build your property portfolio and a better financial future for you and your family.

The book was available for pre-order yesterday, and he already managed to top the charts for real estate, personal finance and investing, making it a bestseller!

You can order the book off Amazon here

Here are some of the reviews so far…

“Frazer has written this book using common English words which are spoken by most people every day, which makes this book a joy to read. It is almost like a modern courtroom drama with the various points discussed, analysed, the evidence being carefully considered as the reader is guided through this book with short chapters, and a complete lack of waffle or flannel (if you prefer). I wished that Frazer had written this book 5 years earlier!”

John Miller (crowdfunding investor)

“An invaluable and enlightening insight for your financial future’’

Nigel Beverley (crowdfunding investor)

“This book shows how I can secure my family’s future through property investment, whilst avoiding the usual hurdles. It gives me peace of mind that crowdfunding platforms exist and, more importantly, that they are run by real property experts.”

Gareth Clements (crowdfunding investor)

“I‘m retired and always looking for the best way to boost my income each year. This guide is essential reading for anyone who wants to control their own investment decisions. Why didn’t someone tell me about this brilliant alternative form of investment before now.”

Paul Stallard (crowdfunding investor)

“Frazer’s book about property crowdfunding gives a fascinating outline of his history over a wide range of ‘job’ experiences which led to the creation of his crowd-sharing property business (I think its success must stem from him earning money from ‘magic’ shows in his early teens, coupled with the rigorous training of a law degree.)

As for the main part of the book, I read it with much interest (non-monetary!) – it was very thorough – and when I had finished it, I felt that I had no questions left to ask about property crowdfunding! It also reinforced my opinion that ‘I had done the right thing’ in putting some of my pennies into such a scheme!”

Dr. Philip Briggs (crowdfunding investor)

Residential v Commercial Property Investment

Residential v Commercial Property Investment

This is an excerpt from Chapter 6, ‘Residential versus Commercial Property Investment’, of Frazer’s upcoming book, The Alternative Guide To Property Investment. You can register your interest in pre-ordering the book by clicking on the button at the bottom of this post.

We have discussed the residential property investment sector at some length, but commercial property can be an excellent addition to a healthy investment portfolio if you are looking for consistent, steady yields alongside a decent level of growth.

Commercial real estate has shown long-term positive performance, with combined annual returns averaging around 9% depending on the area and type of property.

The steady and predictable cash stream potentially afforded by rental income from commercial property translates to possible protection against volatility in financial markets.

Here are some reasons why investors may find commercial property attractive:

  • Historically strong returns – With an average annual return of about 9% over a 20-year period commercial real estate has performed well historically.
  • Rental income from stable commercial properties means a potential steady and predictable cash stream (translating into possible protection and diversification during financial market volatility).
  • Beneficial taxation – When structured properly, commercial property can offer investors a number of tax benefits.
  • A hedge against inflation – A potentially important factor for your portfolio, since property normally benefits from inflation.
  • Ability to leverage your capital – As with residential property you can obtain mortgages and potentially multiply your ROCE (return on capital employed).
  • Diversification – There is no direct correlation with the stock market and you can further diversify within the asset class itself.

These are some of the different types of commercial property into which you can invest and spread your risk:

  • Office property (either prime or secondary);
  • Industrial property: Warehouse and manufacturing units; heavy manufacturing; light assembly; ‘flex’ warehouses (mixed industrial/office space); and bulk warehouses, like distribution centres.;
  • Retail: Individual shops,takeaways, shopping centres, etc.;
  • Multi-unit apartment buildings/HMOs: Although providing homes, these are treated as commercial premises;
  • Self-storage: Self-contained units rented to tenants for storage of material items, usually on a monthly basis;
  • Hotels: Bed and breakfast, small boutique hotels or big-name establishments.

However, property investors when they start investing seem to prefer residential, perhaps understandably, as it falls more easily within their knowledge base and comfort zone.

The philosophical difference between residential and commercial is that when you invest in residential property, you are essentially transacting with individuals – it is a much more personal transaction especially as people will be living in your property and making it their home.


To read more about why to invest in property, you can click below to register your interest in the book. Fill in your details, and once the book is released, we will send you more information.

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Establishing Your Own Investment Criteria

Establishing Your Own Investment Criteria

This is an excerpt from Chapter 4, ‘Establishing Your Own Investment Criteria’, of Frazer’s upcoming book, The Alternative Guide To Property Investment. You can register your interest in pre-ordering the book by clicking on the button at the bottom of this post.

We held a dinner for our top-20 investors recently and I think it’s fair to say that just about everybody had different reasons for investing and slightly different criteria for choosing what to invest in.

Before investing any money, you need to consider what you want to achieve. Do you want to sit back and let your investment grow in value (e.g. stamps or wine or a pension fund, if you still think that’s a good idea) or do you want to generate an income (e.g. shares or property)?

Or perhaps a mix of the two?

Do you solely want to provide for your retirement and reinvest any income generated or do you need to earn an immediate income from your investments?

Are you prepared to risk all your capital on the same sort of investment or do you want to make some ultra-safe investments and speculate with a certain portion of your money on riskier but potentially more lucrative investments?

These are just a few of the questions you should ask yourself as the answers will help formulate your own investment criteria. If you have decided that you want to invest some of your capital into property, then the two most significant decisions you need to make are whether you want the emphasis to be on capital growth or cash flow and whether you want to make commercial or residential property investments.


To read more about establishing your own investment criteria, you can click below to register your interest in the book. Fill in your details, and once the book is released, we will send you more information.

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Why Property Is the Best Vehicle to Supplement Your Pension

Why Property Is the Best Vehicle to Supplement Your Pension

This is an excerpt from Chapter 3, ‘Why Property Is the Best Vehicle to Supplement Your Pension’ of Frazer’s upcoming book, The Alternative Guide To Property Investment. You can register your interest in pre-ordering the book by clicking on the button at the bottom of this post.

Research from Saga Investment Services (amongst various others that reached the same conclusions) has found that the UK’s over-50s population needs to double the number of pension contributions they are making, if they are to stand any chance of a decent income through their retirement.

The research found that the majority of those over-50s surveyed believed they’d need an average annual income of £15,200 to get them through their retirement (personally I cannot imagine trying to subsist on such an amount in my old age – especially given inflationary factors).

The people surveyed estimated that they could generate this from a pension pot of £143,830 on average. Their estimated figures fall shockingly short of reality.

A pension pot of this size would actually generate just £7,940 guaranteed income a year (for a healthy 65-year-old) for life. That’s nearly a 50% shortfall. Basically, they need double the size of their pension just to make ends meet.

To have a comfortable life, which respondents identified as being defined by holidays, dining out, socialising, and hobbies, it was calculated that they’d need at least £21,630 (clearly they are less profligate than me). That would require a pension pot of nearly £400,000 – double the respondents’ estimate of £194,000 (which would generate just £10,170 guaranteed income a year).

On their estimated required sum, their pension fund would be exhausted within 12 years.

Poor returns, excessive fees and inconsistent annuity rates: a pension sure ain’t what it used to be. It’s no surprise, then, that people are starting to look for alternative ways of generating money for their retirement. Research suggests that property investment is turning out to be twice as popular as any other form of investment with the over-50s.

The younger generation, too, is turning down traditional pension plans, focusing instead on property investments (and now crowdfunding as a means to access the asset class). As mentioned previously, the number of people choosing – or being forced – to rent, due to the difficulty of getting into the property market, or simply because it’s more convenient in many ways, is rising rapidly.

A pension also has the disadvantages of limited (and badly publicised) choice of annuity provider and the fact the money is inaccessible.

When it comes to cashing in, holders are often disappointed to find that they are unable to access their lump sum when they wish to without severe financial penalties. And despite recent changes, one can only access 25% of one’s pension pot without incurring punitive taxation.

Not only that, as far as I know, the benefits of a pension end when the holder dies. That means you could have saved £400,000 in your pension, purchased an annuity with that, at age 65, and receive £21,000 a year thereafter. But if you were to pass away within a few years your spouse and heirs would receive nothing. The pension company keeps everything.

Clearly, this is not the case if you buy a property, which can be inherited; though the Treasury will, no doubt, steal as much of it as they can. Did I say ‘steal’ – how outrageous, that I should accuse our esteemed government of ‘stealing’ money that has already had tax paid on it at least once before – in the form of income tax, stamp duty, tax on savings interest, dividend tax, etc.

I do apologise. Clearly, it’s perfectly fair for them to take whatever they feel like.

Whilst it is important to start saving for retirement as early in life as possible, the younger generations are waiting later and later before considering their retirement planning. This may be in part due to high living costs and stagnating real earnings amongst the young … or, perhaps, their preference for electronic gadgets, dining out, designer clothes and foreign holidays over prudent saving … Just saying!


To read more about supplementing your pension with property, you can click below to register your interest in the book. Fill in your details, and once the book is released, we will send you more information.

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How Much Diversification Is Sensible?

How Much Diversification Is Sensible?

This is an excerpt from Chapter Two, ‘How Much Diversification Is Sensible?’ of Frazer’s upcoming book, ‘The Alternative Guide To Property Investment‘. You can register your interest in pre-ordering the book by clicking on the button at the bottom of this post.

In the previous chapter, I mentioned that I go against traditional wisdom as I am not particularly convinced about diversification across different asset classes as one cannot possibly be knowledgeable about all of them and therefore must seek to rely on third-party advisers. If you have no time or inclination to look after your own money this is probably sage advice.

I accept that for most people there are good reasons to do so but, for me, I would point to the fact that one of the wealthiest people I have ever met invests all his money in property. But not just in any property, and not just in one particular area, but in one particular street (in central London). He won’t even consider buying properties on adjoining streets. As far as he is concerned, they are outside his area of expertise. Clearly, specialisation can have its advantages.

Therefore, I am not giving advice, just telling you what I personally think. The consensus of opinion about diversification may be generally sensible for most people but may not be right for everyone, especially for those who are experts in their field. That’s a matter for you to decide.

What I do think is sensible for most people is to diversify and spread your risk (within reason) so all your eggs are not in one basket.

And one reason I believe property crowdfunding is such a beneficial concept is that it allows you to spread whatever available capital you have over a number of different properties so, if a disaster befalls one, you don’t have all your money tied up in it and you still have others to fall back on.

Within the asset class ‘property’ itself, you could, if you wish, diversify your portfolio in a number of different ways. It could include traditional buy-to-let properties, new-build apartments, commercial investments, HMOs (houses in multiple occupation) and ‘fixer-uppers’.

Secured lending and development finance are other options that fall within the property investment umbrella, as you lend out sums to property developers and business owners who own property they can use as security.

Diversification also means a selection of risk profiles. Of course, you should take into account your personal circumstances and lifestyle requirements, as well as your own attitude to risk. Typically, higher risk investments come with the prospect of higher rewards, whilst a safer investment may yield lesser gains.

Buy-to-let has been the most popular option for property investment. Private renting has almost doubled in the period from 2003 to 2015, and in Manchester, it has almost quadrupled, from 6% to 20%.

This means, in theory, that the buy-to-let sector should offer great potential for investment over the coming years. However, as we shall learn later, the traditional way of purchasing single buy-to-let properties may no longer be the best way to capitalise upon this growing market. In fact, it may not be feasible at all for most individuals anymore.

The commercial property market, too, can be a good option.

Investing in commercial real estate can mean:

  • positive leverage (potentially increasing ROI (return on investment);
  • tax benefits (proper structuring can offer an array of benefits tied to interest, depreciation and so on);
  • more control (personal ownership equals control);
  • a hedge against inflation (such property tends to benefit long term from inflation);
  • cash flow and current income (rental income from stable commercial real estate means a potentially steady and predictable income stream);
  • historically strong returns (average annual return: 9.5% sustained over a 20-year period).

You can find out more about commercial property and how it compares with residential property investment later in this book.


To read more about diversification, you can click below to register your interest in the book. Fill in your details, and once the book is released, we will send you more information.

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