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How To Get Onto The Property Ladder Without A Mortgage

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Simon discusses how individuals who are renting can get their foot onto the property ladder and how current homeowners can upgrade to a bigger property in a better area.

The episode specifically caters to four groups: those who are renting and want to buy a property, homeowners looking to upgrade, individuals with equity but low income, and landlords wanting to sell their rental properties. Simon introduces the concept of tenant buyers, who move into a property as tenants but have a lease option to buy it at a fixed price within a certain time period. He also reveals a free chapter from the  upcoming book on lease options for those interested in learning more about becoming a tenant buyer.


  • Tenant buyers are individuals who move into a property as tenants but also have a lease option to buy the property at a fixed price within a certain time period.
  • Tenant buyers take care of the property like it's their own home, including repairs, maintenance, and improvements that add value to the property.
  • Rent paid by tenant buyers may sometimes be less than what they would pay if they owned the property with a mortgage, allowing them to save extra cash for a deposit.
  • Tenant buyers can secure a property at today's prices and benefit from potential capital growth without needing a mortgage immediately.
  • Landlords are often the best people to work with for lease options, as they may have properties they no longer want but don't necessarily need the money from a sale right away.


"Buying your own home could be one of the biggest decisions you will ever make."

"Sometimes the rent that the tenant buyer pays each month to the landlord might actually be less than they would pay if they owned the property and had a mortgage."

"So this can be very frustrating when renters see property prices go up over time, which means they'll need bigger deposits and bigger mortgages to buy in the future." 

"But you can find people who've got a property that they don't want, which they want to sell, but for whom they don't necessarily need the money now." 

"In a market where prices are coming down, it's a buyer's market right now, if someone wants to sell a property, typically they're selling it at a bit of a discount."


Claim your free chapter from Lease Options Magic all about how to become a Tenant Buyer here:

To attend your first pin meeting as Simon's guest visit, find your local meeting, and at the bottom of the page where you normally pay £20, click on where is says "pay with a voucher code" and use this code: PODCAST. This will by pass the payment page and you can attend your first pin meeting for free.

Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi

To find your local pin meeting visit: and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20).

Register at Mindset For Property at - 

Contact and follow Simon here:






Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32.

Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003    pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors.

Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth.

Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book.

Simon launched his latest business,, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals.

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Property Magic Podcast

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