"Thank you very much - we were both very pleased with how 86 Barnsley Rd is looking now - we stopped by so I could have a brief look around the outside after we left on Tuesday - and I'm very happy with it. Well done with managing a successful refurb!"
Warren Burgess, Director BP
"Just wanted to say a huge thank you for the Photo's and details of the portfolio, they have been brilliant"
Simon Baddeley, Senior Recruitment Regional Director
"The enthusiasm honesty and passion shown by Nick and his team regarding this property investment opportunity shone through"
Michael Plaza, Affiliate Business Owner
"You really have got great people there and they are so efficient and helpful it’s so nice"
David Hunt, Investor
"What stood out most was the energy level in the office - you clearly have a great team, that gave us confidence in PPB's capabilities for managing property portfolios."
Warren Burgess, Director BP
"PPB is a great investment. I have properties in the South East with lower yields and it wasn’t rocket science to look further north for better returns"
Jeff & Catherine Lawton
"The unique opportunity to buy below market value, coupled with the extensive knowledge of the team, makes me very confident in my investment."
Katherine Newman, Civil Engineer
"Investing in Portfolio Builder was an easy decision once we realised the leading returns that it delivered."
Paul and Linda Cronin, IT Executive
"When I retire the income and capital growth continues. It’s very enjoyable to create something that can run and run."
Henri and Angela Botha, Ex-Dentist
"It was easy to recognise the potential of a passive investment . We have been really happy with the service and very impressed with the team in Yorkshire"
Thomas Clarke, Business Owner and Entrepreneur
"This investment is allowing me to spend much more time with my son without worrying about having to work."
Gerard Scannell, Ex-Warehousing Director

PPB Case Study – Philip Easter


Semi-retired after 40 years working his way to the top of insurance behemoth, Aviva plc, Norwich-based Philip Easter began to invest in property through Platinum Portfolio Builder (PPB). Having secured his first three properties, he was sufficiently impressed with the company to buy a stake in it, ultimately becoming a major shareholder and assuming the position of non-executive director.

Tell us a little about your earliest experience of property investment

I bought my first property at 21, a three-bedroom detached bungalow, for just £9,000, which in today’s market would be worth about £160,000. Seeing such healthy capital growth explains in real terms why property should be an integral part of any well-balanced investment portfolio.

Do you think that buying and selling property makes you an investor?

Buying and selling to upsize or downsize doesn’t really make you an investor. Being an investor has more to do with your intentions. Investors aren’t simply “lucky” people. Investing requires a logical appraisal of risk across a variety of asset classes. If you buy a house and it goes up in value, you could say that’s really just luck, whereas an investor will buy property with a specific plan in mind. Often the key difference between a buyer and an investor is that an investor has some sort of exit plan.

So what attracted you to PPB?

Initially, I was drawn to PPB because Nick Carlile impressed me. Nick had  started buying properties at significant discounts below independently verified values and building a portfolio for his own personal long-term savings plan.  He then realised that there must be investors out there with little or no property experience who might want him to do the same for them. Having bought and sold my own properties, I knew how labour intensive the process is and so having somebody to do all of the hard work for you was very attractive.  So I invested and Nick and his, then small, but highly efficient team, to sourced properties for me at very attractive prices, relative to their market value.

So is property your main long-term savings provision today?

Property is a large and growing component part of it. I’m one of the fortunate few that has a defined benefit in a pension scheme from a very large corporation, which, in 2008, allowed me to retire from corporate life. But those sorts of pensions are now extremely rare, and that, coupled with the fact that we’re all living longer, means that careful investment planning is even more critical than ever for people who want to live a comfortable post-retirement life.

How does property compare to other elements of your investment portfolio?

In the 1990s I put money into PEPs and ISAs, which is a tax-efficient way to save, and I have also bought and sold companies profitably. I had already bought several properties long before my involvement with PPB, which I’ve held on to that have done well in terms of rental yield and capital gain.  Property is a wonderful diversification to holding money in fixed interest funds or equities, as it provides a good counterweight to more risky investments, such as those within emerging markets.

Tell us a little about your property portfolio with PPB

I’ve got a number of properties in Yorkshire, which PPB secured for me at very competitive prices.  My portfolio currently comprises of three houses, although I am keen to purchase a larger block deal.

Through the expertise of the PPB team, my portfolio has grown into a solid and stable investment which requires little input from me.  I have not encountered the usual problems that investing in Buy-To-Let can bring as any issues are quickly ironed out by the professionals in the business.  This has allowed me to focus on my other interests and enjoy time with my family.

Couldn’t you do it yourself?

The real attraction that it is a completely passive investment. From location to lease, and everything in between, it can take a long time to get a new property comfortably bedded and performing within a portfolio. On top of that it becomes so much harder when you then factor in that every property you buy must be for at least a 25% discount, even in a rising market, or you won’t get the returns. You’re into heavy negotiation territory to achieve that sort of discount, and you need the contacts to make it happen underpinned by robust systems. You also need to be able to act quickly. I’m experienced in business, but PPB are experts in the property field, and because they do everything from finding the property, negotiating the price and striking the deal to refurbishing and tenanting the property, my time is free to focus on my other business responsibilities and my social life.

What does your role as PPB Chairman entail?

Primarily making sure that we have the right governance in place, ensuring that we behave as an ethical company must. My main focus is to ensure that we deliver on our promises and stick to whatever strategic path has been mapped out. There needs to be challenge at the board level: are we doing the right things; are we doing them well; are we properly focused on our clients? These are the key questions and they’re they ones I ask to make sure PPB is always on target.

You can find out more about Philip’s role as the PPB Chairman by clicking here.

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