TOM'S STORY
From his early days as a Video Editor in the TV industry, Tom has transitioned into entrepreneurship, building a multi-million-pound property empire. Along the way, he’s designed bespoke lending products and adapted property investment strategies to fit his unique criteria.
WHERE IT ALL BEGANÂ
Tom's passion for television production started in his teens when he began creating skateboarding videos with his friends. He dreamt of traveling the world, producing videos for a living. After graduating from university, Tom faced the reality that landing his dream job was harder than he expected. With only three years of theoretical education under his belt, he worked in hospitality while continuing to pursue his TV career. It took him five years after university to secure a full-time role as a Junior Video Editor at a London based TC channel, which broadcast on Sky TV. Unfortunately, the channel went into administration after just 18 months, and Tom was left searching for work again. However, this time he had gained invaluable experience, leading to over 20 interviews and ultimately landing a position as a Camera Operator and Broadcast Video Editor for a production company specializing in live motorsport coverage.
THE FLICK OF THE SWITCHÂ
Tom spent five years traveling the world, working with major TV networks, and seeing his name in credits daily. Despite this success, he began to feel that something was missing. Although he was traveling frequently, he found himself struggling with bills when he returned home. Tom questioned his future: Was this all there was to his career? Despite his fantastic position, he felt financially restricted and began to search for something more fulfilling.
A NEW DAWNÂ
Tom knew he needed to set his sights on something bigger. He could no longer accept the cycle of working for someone else while struggling to make ends meet. That’s when he discovered property investing and entrepreneurship. The persistence and determination that had helped him land his first TV job would now fuel his new journey into the property world.
THEÂ HURDLES
Entrepreneurs thrive on challenges — they are necessary for progress. Tom’s biggest challenge was starting with nothing. With no capital to invest, he needed to figure out a way to raise finance and stand out in an industry full of investors doing the same thing. Many others were raising finance for small property deals, refurbishing houses, and refinancing. Tom wanted to think bigger. He knew that in such a competitive market, he needed to create a strategy that was unique and would give him the edge.
THINKING BIG
Tom didn’t have money to invest in small houses or large multi-million-pound properties, so he needed to think differently. He learned about a strategy where if a property was bought at a significant discount, lenders would base the loan amount on the full value of the property rather than just the purchase price. This could potentially allow him to secure 100% financing with no deposit. Inspired by this, Tom began to focus on larger properties, particularly multi-unit apartment blocks. He saw an opportunity that others weren’t considering — a way to acquire valuable properties without requiring a deposit upfront.
THEÂ SOLUTION
Tom’s strategy was clear: buy large apartment blocks at a significant discount and split the titles to create additional value. He knew that lenders were willing to finance up to 100% of the property's value on below market value houses. However, he faced a challenge: finding a lender who would support his unconventional approach. After being turned down by several brokers, Tom finally found one who was willing to take on the challenge. The pitch was simple: acquire apartment blocks at a discount, split the titles, and secure financing to purchase the blocks, based on the higher value of the individual units after the split — all with the possibility of obtaining 100% lending.
IMPLEMENTATION!
A few weeks later, Tom received the news he had been waiting for: his broker had secured a lender willing to back his plan. With the deal now in motion, Tom moved forward with his strategy, and the rest, as they say, is history. But for Tom, this is only the beginning of his entrepreneurial journey.
FREEÂ Title Split Mini Course
Sign up to attend the FREE Title Split Mini Course, where you will learn how to source, fund and acquire multi-unit freehold apartments, with £0 deposit required.Â
