LANDLORDS... It's time to SELL UP!

[@HDY0903]

I think a lot of landlords are selling purely because they dont want the headache of being a landlord in this current climate.

[@JamieYork]

Understandable, I'd avoid listening to the news.

[@jonreyes7271]

This is an excellent video for context, especially on section 21, which absolutely seems to be banded about as being 'pro-tenant'. And, being honest, as I'm getting closer to committing to the BTL world, these videos are exceptionally helpful -- thanks!

[@claas_james7892]

Apg great watch 👌🏼

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@planetfeelgood17]

Thanks Jamie, I always find your videos insightful, inspiring and insightful. Thanks!

[@JamieYork]

My pleasure!

[@catherinetasker5778]

Thank you Jamie just about to buy my first property. Was very nervous but you’ve put my mind at rest

[@JamieYork]

You've got this!

[@jamesmcnamara1880]

Ive been an investor for years, but im planning my out, when im 65, 52 now, if i was still building my portfolio id be so excited with the opportunities today. Being a good landlord is the easiest job in the world, nobody has a reason to moan, if you want money from your property refinance it and keep your asset. Loving you vids.

[@Joeyyy28]

Hi James. I’m 23 years old and just starting out in property! Just bought my first brr. What opportunities do you speak of? Just so I can hopefully try to take advantage of them.

[@jamesmcnamara1880]

@Joeyyy28 basically if you buy a btl your buying in a market where the demand is far greater than the supply, in essence you'll always be able to let out the asset. Of course there are risks but if you are able to buy multiples you work on economies of scale and when there are issues the costs gets soaked into the business and although it's a pain these issues only hurt a little, not a lot. I'd always use agents as they are on the ball, legally if you need to remove people. And a good agent is a good support blanket, you pay then for their knowledge and being a blanket between you and the tenants . Being in this industry has helped me retire at 52. Also, in principle asset growth is what generates wealth, buy them and keep them. Have faith in historical growth and be patient. It's a long term investment. Also you'll generate passive income as well. Good luck with your journey.

[@brianlopez8855]

Doesnt stop folk being arses though.

[@OkiManny-ou3fg]

APG .....thanks for the perspective Jamie

[@JamieYork]

Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@MartinVanDerSande]

Great video. I'd say simply to anyone and as a landlord for 18 years now. Don't believe the hype, instead be a good landlord, have a plan, keep up to date with all legalities, get insured, upkeep your property and save hard. Afterall the elite have been landlords forever!

[@JamieYork]

Thanks for sharing!

[@AdrianSilcox]

one thing you missed out. the government telling tenants they dont have to pay rent. i lost £40000.00 in unpaid rent.

[@JamieYork]

I don't the Gov directly say that but I have seen some horror stories!

[@steviestevie9762]

Jamie, Without reform to the Court System if as a LL you want to sell your property or move back in it will take 18-24 months to get your property back from the tenant. The initial notice period and Court Delays and Baliff delays will ensure this.

[@JamieYork]

It's never really 18-24 months. that's like 1% of tenants

[@steviestevie9762]

@@JamieYork The time period I am reffering to is after the implementation of the reform bill. Court delays and Baliff shortages will lead to these extended delays when a LL wants possession.

[@ManjotVirdi-k6v]

Thanks for the amazing videos as always. Can you make a video on commercial property conversion into mix residential unit.

[@JamieYork]

That's a little niche so I'll make note

[@slinkydonkey]

I'm thinking about buying a second home but current house already has EPC C and I own well over two thirds of the house. However the biggest issue I have is working out the finances behind it. Accountants almost charge £300 for one off advice.

[@JamieYork]

Have a look at a mortgage calculator online, there are loads of free ones

[@privateHandle731]

"It's actually asking you not to be a twat as a landlord". As a landlord I 100% agree with this. Chucking someone out for no reason is pretty horrid

[@shayp8292]

Nobody does anything for no reason

[@privateHandle731]

Really? Omg you just taught me cause and effect. Thank you 🙏

[@JamieYork]

Thanks man!

[@tenerifeplantpower]

Totally agree, I buy when people are exiting

[@JamieYork]

LFG!

[@johnjackson3642]

I've had my houses since 2014. Looking to scale out gradually due to inheritance tax changes. The government have gone too far with tax and regulations.

[@JamieYork]

That's sad for you

[@gregguk100]

My exit is 7 years.. Then it's round the world by train.

[@shrewdmoney]

Dennis Bergkamp

[@JamieYork]

LFG!

[@barnabyskelton1897]

APG, Death, Debt, Divorce. Those are the 3 D’s that provide opportunity, as not pleasant as it is. It’s unfortunate but all 3 provide opportunity.

[@JamieYork]

Thanks! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@cliveallen7778]

Time to start investing in newer build properties 🙏🏾

[@JamieYork]

Maybe!

[@annettechinnery1714]

Section 21 when they are not paying rent , it takes two years to get to court and in that time they pay no rent , and disappear the day before the court case clearing out everything in the flat down to the bed corkscrew even curtains , with no recourse! Not a story, this happened to my friend!!!!!

[@JamieYork]

There will always be some stories and some bad tenants, but there is also some bad landlords who don't do the right checks/compliance so they find it really hard to evict a non-paying tenant. That's why how you start a tenancy is soooooooo important

[@youtubeman5033]

Landlords are selling up like I have never seen before, I’ve bought a few but I’ve stopped now ,because of the stamp duty landlord rip off I’ve got enough so time to slow down and stop buying the stamp duty was the last nail for me, the epc wasn’t that bad for me, is just an inconvenience , if you know how it’s easy to get down to a C,

[@JamieYork]

It just needs to be factored into the numbers for me. The EPC is nothing, I agree. Weirdly, we have found demand for our properties going up from investors looking to take advantage of the changes!

[@Michael-so5jh]

How do you get it to a C. My EPC certificate says to get to a C from a D the house needs cavity wall insulation, underfloor insulation, a heat pump and solar panels for a warm and comfortable mid terrace Victorian house

[@user-ui2if1lx2f]

@@Michael-so5jhI was disappointed after full refurb, my recent EPC guy gave my early 1900s Bed House a grade D again and told me said there is nothing more I can do to increase it to a grade C! I can’t install Cavity wall insulation. So this and the other changes affecting LLs is making me feel it is time to sell my rental property( no mortgage on it), but sticking the sale proceeds in a saving account won’t help me with my pension income which relies on this property income, ….any advice please?

[@jaswantrai2347]

Completely agree the safe haven of pensions is being raided. You cannot gift pensions before death to avoid tax (as far as I know) so property is just another bucket for funds outside regular savings/investments. There is always risk associated with it but like with all things

[@JamieYork]

You can’t, you’re right. Disgusting isn’t it! Goodbye pension in the future I think!

[@nonono7585]

APG Thank you 😊

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@Air51]

20% between rent and capital increase but most of the people I know have flats with little to no capital growth so that £10000 divide by 6 hurts a lot more. Complete market in Scotland that youtubers always avoid because it's more difficult to sound impressive with Scottish restrictions.

[@Winter_Of_Civilisation]

Omg people buying properties to not live in as investments are suffering😢 oh no

[@JamieYork]

Scotland can actually be quite good. Just a different market. I agree though, flats are not my friend 😂

[@JamieYork]

Winter… I’m almost definitely wrong, but I’m sensing some sarcasm 😂😏 Unfortunately, it’s actually the renters that will suffer the most. Which is genuinely sad

[@fffgmail9965]

Jamie, have you needed to issue a section 8? If so what was your experience? Do you see any time increase in section 8, delays that are being talked about in recovering a property ? Cheers

[@JamieYork]

We've done lots of Section 8's, each one is quite unique

[@johnstonlee]

Some LL fixed rates coming up soon. I locked in 2% and that ends in 3 years. Will see what the rates are then will determine if I carry on!

[@JamieYork]

As long as you've bought in a good area then you'll be fine!

[@twistedstrap]

I am 45, and since the age of 22, I've been saying I will do property investing. A show way back where 2 guys went from zero to a 1 million pound house, first grabbed my attention. Well, I have owned 2 properties and done the doer upers. Current home, which I now rent out, is a 137 year old 6 bed house. I will now change from consent to let to a buy to let, remove all equity and start my journey. Looking forward to start next year.

[@JamieYork]

LFG!

[@twistedstrap]

@JamieYork I do need some guidance, as I'm currently speaking with brokers about releasing the equity of roughly 120k, but do I set up a LTD company first ? I've already seen a project that consists of 4x flats sold inl a group for 360k ?

[@JamieYork]

Book in a call with my team mate, and we will try to support you: www.aspirepropertygroup.co.uk/optin?KZbinOrganic

[@JohnJohn-w9z]

Great video, like the Ltd company or personal name video. Not started yet, but really want to get into when I have some funds. OOI what are your thoughts on Off Market Property BTLs?

[@JohnJohn-w9z]

Or off plan even? I've been looking at various companies that sell them, reviews, how long they've been trading etc. And I'm wondering if you think they could be a good starting point?

[@JamieYork]

Personally not a big fan of off-plan right now as usually you pay a premium maybe in the future but right now I'm all for existing properties

[@andrzejandyaris6465]

APG I agree all the way

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@brianlopez8855]

I've move into self storage or small workshop commercial unit lets, almost no legislative interference from politicians since 1954,

[@JamieYork]

I like that! haha

[@Denzilcleveridge]

Can you do a video on tax’s on rental property, I’m unsure how it all works even after many years.

[@JamieYork]

I've doneeee loads of these, search on tax on my channel to find more :)

[@philemmett3122]

I think people get scared to quick. If you are in it for the long run, things will work out. The government cannot afford for the rental market to collapse. Im going to start next year.

[@JamieYork]

Absolutely! If in doubt, zoom out! Start asap in my opinion

[@hardplabber1859]

Proving someone at fault will be nightmare. You will need a lawyer

[@JamieYork]

Possibly!

[@KBWFreedomthrurealestate]

Short-term loans are coming due soon!

[@JamieYork]

Maybe so!

[@romeospadre]

Hi Jamie, can you please do a video on IHT planning.

[@JamieYork]

Absolutely! I’ll start thinking of the layout

[@barrymchugh8717]

Hiya jamie just been watching your videos and gotta say very interesting just watched the landlords time to sell up and just to let you know a bit about me and my wife we've currently got a flat we rent out and are keeping that as you say no probs there what it is my wifes 10 years younger than me I'm 65 and hoping to retire next year been in construction all my life so want to retire the only thing is I've got no pension just a state pension next year luckily my wife's got a decent pension and were lookin to invest 50,000 on 2 by to let's 25000 on each to give us some extra income and like you said nows a good time so just wondered any advice would be great full apg as to any decent properties that you might have around the 100,000 mark that would not need any work doing just move someone in cheers I'm in aintree liverpool

[@JamieYork]

That’s great Barry. The team would love the support. Being open with you though. £50k will get you one property, you won’t be able to get 2 with that unfortunately. Book in a chat and let’s go from there: www.aspirepropertygroup.co.uk

[@carltonhepburn4072]

Good video

[@JamieYork]

Thanks

[@jonathanobyrne5539]

Rather like thinking interest rates won’t go up I think you’re being a bit blase about the section 21 removal. There are lots of situations where a rogue tenant can use section 8 defences to box clever to avoid eviction. Generally though you talk a lot of sense and I enjoy your videos and keep up the good work 👍🏻

[@JamieYork]

I can be blasé sometimes to be fair. I think it’s because I know for a fact that there is always a solution. I will find it and we will all make money from it. Ah thanks bud. Appreciate the compliment

[@sunilhpatel]

What are the other options, investing in Unit Trust

[@JamieYork]

Personally I wouldn’t go there. Keep things simple, in my opinion!

[@sunilhpatel]

I thought unit trust is simple, housing is complicated

[@trolmountain475]

UK houses are so bad, when an I going to be able to use outside insulation? I want to insulate my house but I am being refused. UK could literally heat up another nation with the energy that's wasted.

[@JamieYork]

Very true, Have you seen internal insulation?

[@coolco1619]

You say "Few more grand" so easily, that's because you're rich!!

[@JamieYork]

Just my context now!

[@neilbrunyee980]

First time here, (Been a LL 12 years) Do your self a favour the long advert at the beginning nearly caused me to move on. Other than that enjoyed the video.

[@JamieYork]

Thanks Neil!

[@shayp8292]

What’s the evidence behind s21 being used for “a lot of prejudice”? Reality is that it is used as an efficient way to evict over s8 which is wide open to abuse by tenants as well as prejudiced judges who want it in for landlords.

[@fordford4721]

Good advise for a change ,too many scaremongers out there ,do your homework ,get good tennants and be fair

[@JamieYork]

Thanks man. I appreciate the compliment!

[@keylargo100]

Totally agree.

[@LisaSackey]

APG please Jamie

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@ChrisLee-yr7tz]

2:42 Who's making 20%???

[@JamieYork]

You'd be surprised!

[@ChrisLee-yr7tz]

@JamieYork I would!

[@plonker1970]

APG please

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@TigerLilly-ch9ue]

Such sound common sense advice and knowledge re. the current situation. Thanks Jamie

[@JamieYork]

Ah thanks!

[@JadeWang-i6o]

Robot don’t need house

[@danmanisonfire]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@samraatashok]

apg

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@grantmail4112]

This isn't intended to troll ...and I'm not a bot... but I hear so many people buying property for the (hopefull) increased market value in 10 years of the property as their pension fund... why wouldn't you just buy and hold Bitcoin for 10 years? You'll make a few million instead of a few thousand without the hassle

[@JamieYork]

Bitcoin certainly has its place, but it’s a lot closer to gambling than investment right now. Properties true value comes from the long history behind it. Bitcoin is still very young. I have bitcoin myself but it represents a much smaller % of my portfolio

[@grantmail4112]

@@JamieYork Same... 👍

[@quincy9293]

APG :)

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@niistube]

Apg

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@MarkLikesCoffee860]

Landlords will never loose. Even if your buy to let property is empty. The value will double after 10 years anyway.

[@Khan_is_mongol]

not with the current mortgage interest rate, 5% stamp, monthly payments....

[@jonathanobyrne5539]

Agreed landlords are tight 😊

[@JamieYork]

10-15 certainly. It’s hard for landlords to ever lose tbh. Mainly due to rentals representing 40% of the market. Unless government take it all back which i doubt considering the shit show they made of it in the past

[@MarkLikesCoffee860]

@@Khan_is_mongol £100,000 property with a 75% mortgage at 5%. The mortgage interest will be £3,750 per year. After 10 years it will be £37,500. Stamp duty if it's a second home will be £5,000. Repairs £2,000 per year. Total spend after 10 years is £62,500. Yet the property will be worth £200,000 after 10 to 15 years. Property is like a savings account with a good interest rate. Put spare cash into a property and then when it matures, take the cash out again.

[@fordford4721]

Anyone know when the lease reform comes in

[@JamieYork]

I’ll do some video around this in depth if you think it would add some value

[@Surman1982]

Jamie I purchased 2 properties via Aspire a few years back, Bradford and Leeds, on good interest rates, rentals yield about 300 net per monthnin each. From experience with these 75% most of the net rental ends up in maintenance, repairs generally, as you know things go wrong, so the only benefit In the long term is capital increase, I'm holding on to them but sceptical at this stage about the general vanilla BTL when you factor in the EPC costs to factor in aswell. It's made me question the strength of the vanilla BTL strategy if your paying market rate, Hopefully 10 years from now it was worth it.

[@erertertert44]

Pwoplw completely forget this, 300 a month, 3600 year. When you factor in replacing a boiler every 15 years, kitchen every 15, bathroom every 15, new flooring every 10?, blown double glazing, roof leaks, redecorating etc etc the list is endless I can't see how anyone is making any money and the tiny profit you do make will be taxed very high. All of that effort for basically the same return you'd get off an isa. Only way I can see it working is of you buy at a good price, renovate and add value beyond what you put in(virtually only possible if you do work yourself)

[@MarkLikesCoffee860]

@@erertertert44 You make money becasuse the value will double every 10 years. I paid £103,500 for my last home and sold it after 11 years for £215,000. I was living in it so there wasn't an income from tenants. The mortgage and repairs were no where near half of that. I don't see how you could loose. You could buy a buy to let property and leave it empty. Pay £100,000 for it, after 10 years it's worth £200,000. After another 10 years it's worth £400,000. Another 10 years £800,000. Doubles every 10 years.

[@JamieYork]

Ah that’s great! The buy to let income is about washing its face. You’ll naturally make more income over time as rents increase. However, it’s all about capital growth and rental increases. You will end up netting around 15% a year over a 10 year period. It’s all about the longer term vision

[@ilgaras1]

How often do rent increases happen in the uk? And what's the reasoning based on for the increase to happen?

[@francisexperience]

click bait

[@JamieYork]

That is literally the point of a thumbnail and title :) The team have smashed it

[@slomofs]

My exit - also death haha

[@JamieYork]

Haha, see you there bud!

[@adamrandles4055]

Much prefer your usual content than this long drawn out advert reveal 👎🏼

[@JamieYork]

Thanks for the feedback. I’ll try to improve

[@Brandoncruddas]

APG i need a call with you jamie! i need to build the empire i want in my town .i have the local knowledge and the funds and the team in place . Av done a brr on my own property now i need to scale but 50k only gets me so far and i need help please take time to contact me Av warched you for 6 years and acted slowly on what youve said got the time and the highest paying income av done evrything stated in this video just need abit of reassurance from some one whos been there and done it so i dont make a mastake on this

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@bqquah8537]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@Dionbrown0303]

Apg

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@redarmy1786]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@roguewon3427]

Apg

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@vonraffenspiel]

Apg

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@HimanshuPatel-oy5uf]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@MrAtunez]

Apg

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@slomofs]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@Erijus100]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@foodfields3452]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@elizabeth_6561]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@slinkydonkey]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@carltonhepburn4072]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@CraigWilson-px8je]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@CraigWilson-px8je]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@gavinflagg]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@nkozaful]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@gurujeeno1]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@jakehodge8005]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@VishalThakkar-r7o]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@ratty1705]

APG

[@JamieYork]

Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@sabrinhassan4299]

APG

[@JamieYork]

Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@abad3329]

APG

[@JamieYork]

Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@kushalgaya5084]

APG

[@JamieYork]

Thanks! Head over to www.aspirepropertygroup.co.uk/?KZbinOrganic and fill in your details, and a member of my team will be in touch! 😊

[@manzahmad4134]

APG

[@JamieYork]

Amazing! Fill in your details and we look forward to having a chat: www.aspirepropertygroup.co.uk/optin?KZbinOrganic