Paul Adams and Peter Regan ACII - are both directors of Commercial & Residential Property Insurance Services Limited. Both were employed by Commercial Union (now Norwich Union - Paul from 1955 to 1991 and Peter from 1960 to 1999) before taking early retirement and starting their join venture specialising in property insurance - together they have well over 60 years experience in the insurance business. Both worked on the outside staff for most of their careers dealing directly with the public as well as brokers. Peter is a past president & treasurer of the Bristol Chartered Insurance Institute. C&R - 01275 876714  e-mail: carpis@btconnect.com

Tony Booth - Tony is an experienced property developer, successful landlord and a member of the National Association of Estate Agents. He was co-founder of the North West Landlords’ Association and editor of ‘The LETter’, a magazine for private sector landlords. He has written four property related books, including ‘The Buy To Let Handbook’, and has been a guest on various radio and television programmes. web: www.tonybooth.info

Graham Bowser CFP MSFA - Graham is a pension specialist and a Director of QS Independent Investment & Pension Consultants Limited. With 25 years experience in the pension and investment field, Graham has a particular interest in Self Invested Personal Pensions (SiPPs) and their use in commercial property investments. e-mail: info@qsindependent.com web: www.qsindependent.com

Neil Cook  Neil has worked in the industry for nearly 25 years with expertise in property insurance. For 10 years he has been a BIBA insurance trade association expert sitting on the local committee and handling consumer insurance queries. In business he tries to avoid automation in the quotation process, instead using traditional methods to achieve results where others fail. Importantly, he is a landlord himself. The Delite Insurance Agency is based in Kent, with national coverage. They use only fully approved UK insurers and the Lloyds market. Delite Insurance Agency, 7 Livingstone Circus, Gillingham ME7 4HA Tel 01634 852337 Fax 01634 300091  email - specialist@deliteinsurance.co.uk

Gareth Davis, Gareth gained a HNC in environmental science in July 2002. He is also an ISRM approved swimming pool consultant. Gareth is an Environmental Consultant responsible for customers in the local areas i.e. Oxfordshire, Buckinghamshire and further a field such as central England and the Midlands (Legionella) General Environmental Services Ltd, 01844 299499 e-mail: gdavis@ges-limited.co.uk  web: www.ges-limited.co.uk

Paul Farndon B.Sc.(Hons) FNAEA CRLM - Paul has many years experience with rental property, having entered the estate agency profession in 1971. He later took on his own insurance brokerage and estate agency business and qualified as an Independent Financial Adviser (IFA) in 1995. Appointed an NAEA Assistant Business Practices Officer in 2002, Paul holds a BSc (Hons) degree in Business Property Management from Sheffield Hallam University. Paul is now concentrating on delivering tailored training courses to both Residential Letting Agents and Private Landlords, although he still retains a Residential Letting Agency in South Leicestershire. He also works as a trainer for Learn Direct - e-mail: learnletting@btinternet.com

Mathew Farrow - Mathew is an associate consultant with The Money Centre and also runs his own franchise. He has worked as an estate agent in Norfolk and Kent and spent some time working in a local authority housing department. Educated in Southampton, Mathew holds a HND in Business Studies. He joined The Money Centre as an employed consultant several years ago and was later asked to run their sales team and develop the relationships between the lenders and The Money Centre. He now also runs the administration of the website: www.themoneycentre.net.

Lee Grandin, Director of Landlord Mortgages - Managing Director of one of the leading Buy To Let Mortgage brokerages. Lee comments regularly in both Regional and National publications such as Mail, Sunday Times, Times, Mail On Sunday, Telegraph, FT. Lee devotes most of his time to the overall directorship and ‘hob knobbing’ with experienced landlords. Lee truly believes that the success of Landlord Mortgages is down to delivering a consistent quality service with little or no brokerage fees. Lee comments ‘Whilst we have a good brand in our market we do not follow in anyone’s foot steps, we keep our principles and offer bloody good value’. Recently Lee has developed a new arm to his business, LettingAgent.com. Lee comments ‘I managed to buy the domain name LettingAgent.com back in 1999. I will say it was more luck than judgement but since then the name has crawled up the search engine rankings. We have combined our great online presence with offline effective management to give landlords the opportunity to let their properties from as low as 3% of the monthly rent. Visit www.lml.co.uk or www.lettingagent.com

John H Jepps BSc FCA CTA TEP - John trained as an accountant (now FCA) in a top three firm and began to specialise in tax in 1980, passing the institute's tax examinations (CTA). Later he gained admission to the Society of Trust and Estate Practitioners (TEP). Having worked for a number of the very largest practices as a tax specialist, John is now Senior Tax Partner in John Jepps LLP from within which he provides services to clients of his own together with consultancy services to other professional firms and their clients. He regularly provides tax advice to property related businesses and investment vehicles, high net worth individuals, trading partnerships, trusts, pension schemes, and charities. Presently studying for a law degree John's main hobbies are skiing and the empirical comparative analysis of brewed and distilled beverages from around the world. e-mail: John@jeppsllp.com or Tel: 0845 2606 829 web: www.jeppsllp.com

PETER KYTE BSc (Hons) DipTP MRTPI CGeog FRGS - Development Director & Principal Town Planner. Chartered Town Planner & Chartered Geographer. Peter has built up a planning practice (Peter D Kyte Aassociates) and associated development company (ENABLING PROJECTS) over a nineteen year period, achieving a broad experience in promoting development schemes. His practice undertakes planning feasibilities, submission and negotiation of planning applications and planning appeals including expert witnessing at public inquiries. Peter’s 19 years experience in planning practice is broad and comprehensive. He is focused on applying effective negotiation dynamics and uses methods to communicate schemes positively and assertively. Negotiations are progressed proactively, avoiding the responsive transaction that often occurs. Using well tried and tested negotiation methods he has turned many initially unsuccessful schemes into planning and value successes. For more information on his track record, please look at our website at TRACK RECORD, PROJECT TYPES and DEVELOPMENT APPRAISAL SERVICES

David Lavelle - Dave entered engineering in 1973 completing an apprenticeship as a multi-skilled engineer. He has numerous City & Guilds and other qualifications in mechanical, electrical and gas maintenance, pipe fabrication, measurement & control, inspection, testing & management of equipment & installations. He is CORGI registered and compliant with 16th Edition wiring regulations. Dave now runs his own company in Scotland inspecting, testing, and servicing gas and electrical installations and appliances. He has also been a landlord for many years. email: david_lavelle@email.com  web: www.1stcall.info

David Lawrenson is the author of Successful Property Letting - How to Make Money in Buy to Let the UK’s top selling buy to let book and runs a property investment seminar and consultancy company at www.lettingfocus.com He provides unbiased buy to let and property investment advice to banks and other companies as well as to individuals. David is also well known as an expert property speaker and freelance property writer. He contributes regularly to the LandlordZONE Newsletter.

Robert J. Lewis FNAEA – Robert has been involved in property management for over 21 years. He has been a past chairman of the S Wales Branch of the National Association of Estate Agents (NAEA). He is an Assistant Business Practice Officer with the NAEA. He has written articles on the problem subject of HMOs. e-mail: mglas@globalnet.co.uk web: www.mglewisandson.co.uk You should find his website on HMOs very useful - www.hmo-support.com

Jane Needham B.Sc (Hons) MRICS – is a Chartered Surveyor with her own practice covering South Yorkshire, North Nottinghamshire and North Derbyshire. She has over 18 years experience of domestic and commercial property, including managing let residential property, residential property inventories, new-build snagging and renovation/refurbishment of residential property. She is accredited as a Domestic Energy Assessor and is currently working towards accreditation for Energy Performance Certificates for non-residential property and new build residential property (to be introduced from April 2008) . She is also an expert on Council Tax and Non-Domestic rating, having worked as a Senior Valuer in the Valuation Office Agency until 2006. Tel: 01302 247294 e-mail: needhamsurveyor@aol.com web: www.needhamcharteredsurveyor.co.uk

JEFFREY SHAW - is a solicitor and Conveyance Research expert. He has over 28 years experience in dealing with most types of conveyancing transactions. He moved from his previous firm in May 2006 in order to establish a new stand-alone firm specialising in Conveyancing Research (i.e. not “standard” sales, purchases, and mortgages). For instance, he regularly deals with less usual matters, such as adverse possession, assents, blocks of flats and individual flats (not commonhold), boundary disputes (not litigation), deeds of gift, freehold and leasehold reversions (whether portfolios or for individual houses/flats), problems involving HM Land Registry applications and requisitions, producing standard documentation for landlords, reconstruction of lost title deeds, producing Conveyancing Precedents, “tidying-up” untidy or disarrayed sets of title deeds, and voluntary registration of title (portfolios and individual properties) particularly to clarify exactly what is owned or where the owner contemplates sales-off. His new firm (Nether Edge Law) is available. e-mail: jss@netheredgelaw.co.uk Tel / Fax: 0114 268 7638

JOHN Simpson CeMap - John is the Director of Resident Broker Ltd an independent mortgage brokerage that specialises in buy to let finance. As well as being a qualified mortgage broker he has also been a property investor for 10 years and has built up considerable knowledge in these areas. John regularly speaks at property seminars about the different finance strategies available - and can tailor these depending on the property business strategy of the individual. As well as expert advice Resident Broker has a dedicated back office team to process client applications which means you never have to chase a mortgage broker again we chase you! Contact John on either john@residentbroker.com or 0845 345 3599  web: www.residentbroker.com

Steven Palmer B.Sc.(Hons) MRICS MBEng - A Chartered Surveyor and Corporate Building Engineer Steven has over 25 years experience in the construction and property industry. He Chairs the South London Branch of the Royal Institution of Chartered Surveyors and in that capacity organises a Continuing Professional Development (CPD) programme for RICS members. Steven qualified in the Building Surveying Division of the RICS and is currently a member of the Residential, Dispute Resolution, Building Surveying and Construction Faculties. He is a member of the Association of Building Engineers and has an Honours Degree in Building Surveying. A Director of Davisons Palmer Lim, Chartered Surveyors based in South London. Steven provides a wide range of professional services, including expert witness, to Housing Associations, Landlords, Tenants and Homeowners and Commercial clients. e-mail: steve@davisons.biz  web: www.davisons.biz

Mark Perraton B.Sc.(Hons) - Mark is a Senior Advisor with QS Independent Investment & Pension Consultants Limited and an Independent Financial Adviser (IFA). He holds all three parts of the CII Financial Planning Certificate and also the CII Advanced Qualification in Pensions and Taxation & Trusts. He has had 15 years experience in the industry, 12 of them as an IFA, specializing in pension and investment planning and also mortgage work. He also holds the Chartered Institute of Bankers Certificate in Mortgage Advice and Practice Qualification.  e-mail: mark@qsindependent.com web: www.qsindependent.com

Steve Sims is a property tax advisor and writer - his latest projects being the new Understanding and Saving Property Tax for the best-selling Dummies series and a free electronic magazine Property Tax Plus. Steve understands the theory and practise of property investment as he is both a tax advisor and manages a property portfolio with his wife Amanda, who is also an accountancy professional. Steve can be contacted at: e-mail: ssims@propertytaxplus.co.uk Tel: 01766 780165 office hours. Web: www.propertytaxplus.co.uk

Corinne Tuplin runs a specialist Leasehold Consultancy Company called Pro-LeagleCorinne's extensive experience includes property management, right to manage, collective enfranchisement, leasehold extension and dispute resolution/arbitration. She has written a book called "Do-it-Yourself Right to Manage" published by Law Pack and regularly gives presentations on leasehold issues in London. Corinne is preparing to expand her business to incorporate commercial leasehold services and lettings. Web: www.proleagle.com  Tel: 020 8683 6407 Email: corinne@proleagle.com