Free tools

The 8-step self-check

The three tools answer the numbers. This checks everything else. Tick what you have done for the property in front of you — every blank is a question to settle before you put money down.

1. 01 Set the horizon of your capitalKnow how long the money can sit before choosing the asset.
2. 02 Measure your real capacityBorrow a sum you can still sleep on if the market stalls for two years.
3. 03 Choose the market first, the property secondCheck whether the area has jobs and people who stay.
4. 04 Read the plan from the sourceCheck the approved document. Rumour and decision are two different things.
5. 05 Screen the legal status before discussing priceIf the title is not clean, stop — no further negotiation.
6. 06 Measure cash flow, not expectationDeduct every yearly holding cost before calling it profit.
7. 07 Know the exit before you enterDecide who you sell to, over what period, at what level — from the start.
8. 08 Hold and hand overStructure the asset so the next generation can hold it, not sell it.