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  • Cross-collateralization

    What is it and why is it bad?

    Cross-collateralization is an important loan structuring issue of which many property investors are not aware. Knowing the implications of cross-collateralization is crucial to developing a long-term property investment portfolio.

    There will be a section in the body of the contract which will note the addresses of the properties over which the lender holds or will register its mortgage.

    There are several important issues to consider:

    1. Loss of Flexibility
    2. Increased Complexity
    3. Limited Product Choice
    4. Changing Lenders can be Difficult and Costly  
    5. Equity Access

    How can HAS Properties Help you avoid cross-collateralization?

    Whenever possible, insist on stand-alone loans and securities. Take out separate loans for each new property with the deposit and costs coming from an established line of credit or offset account.

    While I know a bit about finance and how it relates to property, you should always seek the opinion of a proficient finance broker who can provide assistance with refinancing or restructuring loans to avoid the potential shortcomings of cross-commercialization.

    HAS Properties can help its clients grow, protect and pass on their wealth through a range of services including:

    • Strategic property advice: Allow us to build a Strategic Property Plan for you and your family.  Planning is bringing the future into the present so you can do something about it now! Click here to learn more
    • Buyer’s agency: As UK’s, Turkey’s and Pakistan’s most trusted buyers’ agents we’ve been involved in over $3 Billion worth of transactions creating wealth for our clients and we can do the same for you. Our on the ground teams in Melbourne, Sydney and Brisbane bring you years of experience and perspective – that’s something money just can’t buy. We’ll help you find your next home or an investment grade property.  Click here to learn how we can help you.
    • Wealth Advisory: We can provide you with strategic tailored financial planning and wealth advice. Click here to learn more about we can help you.
    • Property Management: Our stress-free property management services help you maximize your property returns. Click here to find out why our clients enjoy a vacancy rate considerably below the market average, our tenants stay an average of 3 years and our properties lease 10 days faster than the market average.

     

    Meet Our Team

    Rockstars of HAS Properties

    Sajid Mahmoud CEO

    A little about me: I am a London native, licensed to sell real estate since 1998. My business is built on the referrals of past clients and colleagues from other cities. I would happily provide you with a list of references who would be willing to tell you about their experiences working with me. I work with sellers and buyers in all price ranges – I have now been in the business so long that I am selling houses to (and for) children of clients! I have substantive experience in the oldest established neighborhoods of UK, Turkey and Pakistan cities and also in the newer developments of the suburbs.
    Clients say that my strengths are my knowledge of construction and quality, my use of thorough data and analysis in valuation, my patience during extended buying periods, and that I don’t apply pressure. I don not shy away from pointing out the shortcomings of a property or a neighborhood, and I regularly refer back to your stated goals to keep the process focused and efficient. It is rare that I don’t develop a friendship with my clients during our time together.

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    Samatha Grymes Realtor

    As a London native and Realtor, I decided to embark on my journey to serve my clients in the Residential Real Estate realm. My ultimate goal is to make every client a client for life. My background in communication provides me with a solid foundation to be able to listen to my client’s needs. This allows me to tailor my approach in order to provide the best possible outcome for my clients. Whether you are buying, selling or investing, I am eager to advise.

    As my client, you will be provided an incomparable level of personal attention and constant communication. I have an integrated network of affiliated licensed professionals such as home inspectors, mortgage lenders and transaction specialists who deliver any assistance my clients may need during the process. I value the level of trust my clients have in me and have their best interest above all else.

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    Justin McDaniel Realtor

    A UK native, Justin McDaniel understands the value of hard work and perseverance. Growing up in London as the son of a realtor, Justin was taught that to be successful he would need to put into life what he wanted to get out of it. With this life lesson internalized at an early age, Justin would find success in almost every endeavor he embarked upon in his adult life.

    Though real estate was not his first career, Justin found success in both the freight industry as well as on the golf course as a sales professional and professional golfer, respectively. While the career in the freight industry taught him how to be a keen negotiator, the golf course taught him how to focus on his goals and never lose sight of them. With these skills he would enter the real estate industry with a bang, successfully closing over £3 million pounds in sales within his first year.

    Now a veteran realtor, Justin’s momentum in the industry continues to grow. As an London resident for the past 16 years, along with his prior careers and a reputation for professionalism and integrity, Justin has developed a wide network of both clients and business partners. This network, combined with his passion for sales, has proven to be the catalyst to his initial and continued success in the industry.

    Understanding that his clients count on him throughout the entire process of buying or selling a home, Justin makes it a point to be available for them. In fact, many of his clients rave about his availability, pleased that he is able to accommodate tough schedules and last-minute requests. This, coupled with his excellent negotiation skills, remarkable patience, and in-depth knowledge of the local real estate market, has set him apart from others in the industry. Focusing primarily on residential sales in the tri-cities and north central San Antonio areas, Justin’s clients look to him for expert guidance when navigating the highly competitive UK housing market.

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    Janet Key Realtor

    I graduated from the University of Cambridge with a BS in Economics. I was Licensed to sell real estate in 1983 I began working in field. I was the number one McMASKER agent in the Aberdeen in 1990 and 1991. The Governor at the time, Ann Richards, recognized my contribution in helping jump start the economic recovery of the region. To date, I have over 1200 sales with approximately 850 of those in HAS Properties.

    I believe that there is no substitute for HONESTY, INTEGRITY, KNOWLEDGE and PERSEVERANCE. My motto is “Do it right the first time”.

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