GARETH T No access? There are building societies who will lend you 95% of Land Value, and 95% of the build cost, with all build costs signed off by an appointed valuing surveyor before the bank pay you/your builder. Money isn't obtainable.

There are many ways to make money from property.

1)Buying to do up and sell, remember, dont do up for your tastes. (i.e do not let the other half pick things..) do not get attached to it.

2) Buying to let. There is money to be made, but depends what line of btl you fall into, what area your in and how much you want to make. Fit 6 bedsits into a back to back at £60/week and keep away from DSS and you probably wont do too badly. £18,720 max/year x 80% occupancy £14,976 on a circa £100,000 interest only mortgage, circa £7k. Yes obviously there is tax and running costs and having to show people around, time etc but I think it does pay. The mortgages require about 25% deposit, and can sometimes be picky about your earnings. And they want to see 125% return. i.e 25% above your mortgage costs.

3) New build. Like i said about the Self Build routes. Buy the magazines, see what people are doing. If you have done Buy To Let you will no doubt be friendly with your local building society you may have a better leg to stand on for appraching them on a self build route. If you purchase land without planning, get a feel for the surrounding area, what is about, what sells? Get a contract wrote up for the land purchase whereby you only pay if gains planning, or outline planning permission.

You could build a few mews style houses, one or two luxury apartments, and build yourself a 5 bed house on the end, and the sale/rental of the other units would pay for your own mortagage.

There are many ways of making money out there.

Happy Building.