Episode 6
Property Investor, Mortgage Broker, and Speaker/Trainer Emerald Fisk
Property Investor, Mortgage Broker, and Speaker and Trainer at Progressive Property, Emerald Fisk joins Allan Harding this week on More Than Just Property. The pair discuss how Emerald came close to being expelled from school, how she re-trained during the pandemic, how she built her property portfolio, and her work as a trainer and speaker.
KEY TAKEAWAYS
- Having three income streams is important. Emerald is a speaker and trainer with Progressive Property and delivers property training several times per month. She has a property portfolio and is a mortgage broker.
- Emerald retrained as a mortgage broker during the pandemic when former guest Joel White of Ramsay & White called her up and offered her a job.
- Emerald specialises in the buy, refurbish and refinance strategy and has built a portfolio using a mixture of investor finance and bridging. That’s well over £1.5 million raised in 4 short years (that’s also over £150k paid in interest).
- You will find in property that you need a higher effort for a higher income, you need to position yourself in a place where you can put in the time and work that suits both your goals and your time restraints. If you want more income then you will have to make it a priority, whereas if you’re happy being passive then you can sit back a little.
- The biggest takeaways Emerald has learned from property are listening to her intuition, discipline, and learning to love the journey and the process.
BESt moments
‘I have a portfolio of single lets because they’re easy and I’m lazy’
‘My whole portfolio has been made with other people’s money’
‘When he got back I just decided I’m not going into work today so I quit’
‘Discipline will always outweigh motivation’
EPISODE RESOURCES
ABOUT THE GUEST
Emerald Fisk is a Portfolio Landlord and Mortgage Advisor, and specialises in the buy, refurbish and refinance strategy.
She has built a tidy portfolio using only investor finance. That’s well over £1.5 million raised (and invested) in 4 short years. This portfolio is in 3 locations in the UK (Liverpool, South Wales and Gloucester), although she now solely focuses on the 2 southern locations. Emerald’s portfolio mainly consists of 2 bed terraced houses, but she also owns some semi commercial buildings and an HMO.
In Emerald’s early days she was a shiny penny chaser and has tried every awesome high cash flowing strategy there is, including rent to rent, SA and sourcing, however she has found her passion within financial services and she absolutely loves working day to day as a mortgage advisor; although most the time she feels more like a property consultant as she can’t help but delve deeper into her clients property businesses to make sure she can offer the best advice and products possible.
MEET ALLAN HARDING
About the host
I’ve had an amazing career through to setting up my own businesses. It's time I gave that back to help other people achieve where they want to be in life. Through my learnings and those of the guests I have on the podcast I hope you find what you are looking for. I am certainly learning with every conversation that I have.From Art to finance, IT to Music, Some of my guests have led extraordinary lives and you can too. These recordings are unscripted and a natural conversation that explores peoples inner beings!
Interested to find out about Allan's mentoring opportunities?
Learn from Allan's unique journey of balancing a demanding corporate career while building a seven-figure property business.