Leverage: How to Borrow Money for Property in 2026 (and Stop Chasing Cash)

It’s more critical than ever to learn how to borrow money the right way. I call it leverage.

Most people are taught to earn first, then spend what’s left. Wealthy people use other people’s money to control assets that pay them every month. A simple model is ~75% from the bank + ~25% from private investors/equity. That lets you buy 100% of the asset. The cash flow then pays the mortgage and investor returns—and you still profit if the deal is structured properly.

When you understand leverage and you can structure, present, and deliver a deal well, you stop working 50–100 hours a week just to spend it later. Your assets start paying for the car, the house, the holidays—after costs and investors are paid.

Here’s how to do it cleanly and credibly in 2026.

1. Work with credible people

Before you ask anyone for money, build credibility. Line up the right builder/contractor, a clear cost plan, a reliable solicitor, and a competent managing agent. Lenders and investors back teams that can deliver, not solo hopefuls. When your team is strong, it’s not all on you—and banks know it.

2. Find an excellent broker

Brokers are everywhere. Excellent brokers ask about your goals, your strategy, and your exit, then match the lender and product to the deal you’re actually doing. They help you avoid dead ends and get you terms that move you toward your targets, not just the first offer on the table.

3. Know how to measure return (the right way)

You don’t measure your return on the bank’s money—you measure it on your cash (or your investors’ cash).

• Cash-on-cash ROI = the annual cash flow after the mortgage divided by the equity invested.

• Treat the bank payment as a cost.

• Your job is to make sure the deal covers all costs, pays your investors the return they love, and still leaves you profit.

If the numbers only work in perfect conditions, they don’t work.

4. Play the money game properly

Once you can borrow well and operate well, you can let cash-flowing assets pay for lifestyle upgrades—after you’ve looked after the asset and your investors. That’s the switch from chasing cash to owning cash flow.

If you want help setting this up the right way—solid business, real assets, clean cash flow—come into the Deal Room. I’ll show you live how to stack deals, structure bank + private finance, and present it so lenders and investors take you seriously.

👉 Join the Ultimate Freedom Network (UFN) to access the Deal Room and my templates.

Do the right thing for the right reason. Leverage well, build assets that pay you, and let cash flow buy back your life. #RealLifeSuccess