Nicole Bremner

Send us Fan MailThe whole journey in one place — why an hour with the SAFER system is the most valuable hour you'll spend, why you shouldn't go it alone, and the life I rebuilt on the other side of losing it all.This is the end — short and sweet, exactly as it should be.I bring the whole book home with the simplest of habits: every single time an opportunity comes your way, property or not, spend at least an hour running it through SAFER. Is the strategy right for you? What will you acquire, and how? How will it be funded? What's your exit — plan B, C, even D? And is it something you'd repeat? Print it out, stick it on your mirror, make it your lock screen. That hour is priceless, because it's always better to regret the projects you missed than the ones you bought.I'm also honest about the limits of a book. Nobody reads a weekend guide to surgery and then operates on a leg — yet we convince ourselves we can do exactly that with our money. Even my client Anya, with a Master'

Send us Fan MailTailored strategies for every stage of the journey — small, medium and large pot investors — so you know exactly what's possible and what to do next, whether you're starting with £5,000 or £500,000.Three chapters this week, one clear purpose: meeting you wherever you are. Once you know your number from Chapter 9, these chapters map the road ahead for each stage.Small Pot (Chapter 10) — £50,000 to £250,000. If you're not there yet, don't despair; even £100 a month compounds faster than you'd think. Clear expensive consumer debt first, because no investment beats a 25–30% credit card. At £50,000 you've got a deposit for a first buy-to-let or buy-to-sell — though I gently remind you property isn't tax-efficient or divisible, so max your ISAs and pensions before you fall in love with bricks.Medium Pot (Chapter 11) — £250,000 to £500,000, where it gets interesting. More room to diversify, the power of leverage (and its risks — I'd keep debt around 50%), holdi

Send us Fan MailWhy no woman should outsource her financial future to a partner, the "female tax" quietly draining your savings, and the honest net-worth reckoning that lays the foundation for everything that follows.Two short, sharp chapters this week — and they belong together.Chapter 8, "A Man Is NOT a Financial Plan," is my plea to every woman listening. I share Anya, an intelligent businesswoman who runs her own PR firm yet has no idea what her family has saved or what her husband earns. And Dorothy, who never worked, reached almost 70 with nothing of her own — then divorced, bought a round-the-world ticket and backpacked across Europe at 70. I talk about the "female tax" — the hair, the Botox, the nails, the must-have handbag — and how mindlessly it drains what could be securing your future. The non-negotiable: keep three months of cash in your own account, not a joint one. A partner, however loving, is not a financial plan. Your money is your responsibility.Chapter 9, &quo

Send us Fan MailThe complete SAFER system — Strategy, Acquisition, Funding, Exit, Repeat — the framework I built after losing almost everything, walked through step by step with the real stories behind each one.Everything so far has been the why. This chapter is the how: the complete SAFER system, the framework I built after making just about every mistake possible across a decade and 110 properties. The whole point is that you work through all five steps before you invest a penny — not as you go. It's designed to screen out the deals that will hurt you before you're ever exposed to them.I take each letter in turn. Strategy — what your portfolio actually needs to earn to give you the life you want, across cash, equities, property and pensions (and why speculative bets should be no more than 5% of your net worth). Acquisition — buying smart, knowing your numbers, never budging on your upper price limit. Funding — and here I tell the gut-wrenching story of Pete, who borrowed from a loan shark he met i

Send us Fan MailPeople are the most unpredictable part of any investment. The story of a contractor whose gambling brought a project down, and why a good contract — not a handshake — is the safety net that saves you.A hard truth opens Part 2: partner with the wrong people, or without the right contracts, and you'll fail no matter how well you do everything else. Because once you're relying on someone, you've handed over control.I tell the story of Evan, a contractor and close friend of my head builder, who I trusted to run an East London extension. When his team stopped showing up, we discovered he had a serious gambling problem and had gambled the wages and the client's funds — a devastating situation for everyone, Evan included. No amount of planning could have foreseen it. But it taught me something blunt: in any relationship where money is involved, even the closest bonds can break. Look at failed marriages and contested wills if you need proof.So how do you protect yourself? Not with

Send us Fan MailWhy the property millionaires on your feed haven't weathered a storm — and the real, unglamorous story of my own 15 years in property: the accidental wins, the nightmare flat, and the lessons that built the SAFER system.Scroll through Instagram and you'll find no shortage of self-proclaimed property millionaires promising you the pot of gold from a single seminar. This chapter is my answer to all of them.Here's a tip I share early on: run their name through Companies House and look at the actual accounts — the cash reserves, the liabilities. You'll often see a very different picture from the one on the feed. I don't think most influencers have bad intentions; the problem is many of them have never weathered a real storm. They haven't seen what a 15% market drop does to someone who's highly geared. I have.So I tell you my real story — the whole, unglamorous path. Becoming an accidental landlord with a Clerkenwell flat that sold for double (property's easy

Send us Fan MailWhy a balanced financial life — liquidity, tax, priorities, legacy and your relationship with debt — beats chasing any single asset, and the Freedom Triangle that taught me money was only ever one third of the picture.Too much of anything is dangerous — diet, exercise, even water. Investing is no different. This chapter is about balance, and why it's the foundation of freedom rather than the enemy of it.I break down what a genuinely balanced financial life looks like. Liquidity first: cash is queen, and three to six months of accessible savings is what lets you handle life's surprises without panic-selling. Tax efficiency next — using your ISA allowances, getting advice on whether to hold property personally or through a company. I'm candid here about being on benefits not so long ago, and why I'm now happy to pay tax.Then the part that changed me most: the Freedom Triangle — money, time and place. I'd always believed money alone bought freedom. A week on my partner Pa

Send us Fan MailThe five risks every property investor needs to see coming — from chasing shiny pennies and dressing up bad deals to running out of contingency, getting trapped without an exit, and flying too close to the sun.If Chapter 2 was what went wrong, this chapter is how you see it coming.I open with the hardest lesson I learned: mistaking luck for skill. When I started out in Hackney, everything I touched turned to gold — and I believed that was talent. It wasn't. Hackney property prices rose 104% between 2009 and 2016, and I happened to be standing in the right place. Hindsight made that painfully clear.From there I walk through the five risks that catch almost everyone out, mapped to the SAFER system. Shiny Penny Syndrome — chasing the latest strategy whether or not it suits your life (like Maria, who wisely walked away from rent-to-rent). Being honest about a deal's real numbers instead of putting lipstick on a pig. Holding a proper contingency, because every project runs over. Staying f

Send us Fan MailThe honest other half of the story: a £120m portfolio, a partner I should never have trusted, the phone call that exposed it all — and the five mistakes that cost me everything before I built the SAFER system.This is the chapter where I tell you what actually happened.My story is a tragedy in two halves. The first — the meteoric rise — is my first book, Bricking It. By 2017 I had a share in a property portfolio of 110 properties across 10 projects, worth around £120 million. From the outside, life looked perfect: the home, the health retreats, the booked-solid speaking diary. Below the surface, my marriage was crumbling and I'd become someone I didn't recognise.Then it unravelled. I'd handed control to a business partner I trusted completely. In September 2018 a fellow investor called me about some transactions that didn't add up, and standing in my perfect kitchen I began reconciling payments that revealed a systematic, long-running fraud. What followed was years of David-

Send us Fan MailWhy fear of financial loss keeps so many of us awake, why property is never a one-size-fits-all answer, and the first look at my SAFER system for building wealth without the sleepless nights.The serialisation begins here — the Introduction and Chapter 1 of Bricked It, read start to finish.I open with the thing nobody likes to admit: fear of financial loss is what keeps us up at 2am. As Chris Voss puts it, nobody loses sleep over gains — it's loss that burrows in and eats at you. I've lived that fear, from rented accommodation with rats and counting pennies to benefit day, right through to nearly losing millions five years ago. This is the book I wish I'd had then.In Chapter 1, "There's More to This Than Money," I'm honest about what this is and isn't. It isn't sexy. It isn't a £20,000 Instagram course promising passive income (spoiler: there's no such thing). It's a smarter, SAFER system — built like a prefab house, where the magic is

Send us Fan MailThe Prosperity Podcast is back. Over the coming weeks I'm serialising my new book Bricked It chapter by chapter, the honest story of how a property empire worth £120m nearly broke me and what I built from the wreckage.After a long pause The Prosperity Podcast returns and this time it's personal.In 2017 I launched this podcast alongside my first book, Bricking It: From Stay at Home Mum to Millions in Property. The book became an Amazon bestseller, the podcast hit the global top 5% and I was running two property companies with a gross development value north of £120 million. It was a great story, stay at home mum cracks the property code. I believed every word of it.Then the market turned, deals went sideways and some things were definitely not as they were portray by key players. Ultimately I discovered I knew far less than I thought. This episode kicks off a chapter by chapter serialisation of my new book, Bricked It, the story of how I nearly lost it all and the slow, unglamorous wo

Send a text“Am I holding this because it serves my life…or because I don’t know who I am without it?”In this conversation Nicole Bremner discusses the emotional and psychological challenges faced by property investors when their investments no longer serve them. She emphasises the importance of recognising when to let go of properties that have become burdensome and the identity crisis that can arise from such decisions. Through personal anecdotes and client stories she highlights the need for clarity and choice in property investment, advocating for a mindset shift towards wealth maturity.Takeaways:What happens when property stops being an investment?The frustration of financial coaching often lies in emotional resistance.Property can become a trap rather than an investment.Identity is deeply tied to property ownership for many investors.Market changes can lead to existential crises for property owners.Holding onto unprofitable properties can lead to financial and emotional stress.Letting go of properties ca

Send us a textMeet Mr DTV, Keith Firmin. He's the mind behind the highly entertaining Instagram account and someone I now call a friend. Starting his career in the Metropolitan Police as so often happens, Keith and his wife Kim, burnt out. Looking for that elusive freedom, they discovered property investing promptly leaving London and settling in the North West and building a property portfolio.  Fast forward to today Keith has discovered that his investigative mind, dogged determination and people skills make him exceptionally well suited to direct to vendor, or DTV, property deals. In this episode Keith lifts the lid on his proven DTV strategies explaining exactly how investors can find, secure and profit from off market properties. From spotting hidden gems and crafting compelling letters to negotiating directly with homeowners, Keith shares detailed insights and practical advice for anyone wanting to succeed outside the competitive mainstream property market.We also explore the human element behind p

Send us a textIn this episode of This Week in Wealth I discuss our inaugural Women's Investment Boardroom, the current state of the markets and double click on the implications of rising bond yields. I also ask if the volatility of Bitcoin means it's classified as an investment, speculation, or gambling. The main discussion centres around the importance of understanding bond yields and their impact on the economy, particularly in light of the Bank of England's recent rate cuts while bond yields increase. Takeaways:The importance of community in investing and finance.Market trends can be influenced by various factors, including bond yields.Bitcoin's volatility raises questions about its classification as an investment.Understanding bond yields is crucial for making informed financial decisions.Rising bond yields indicate investor concerns about government debt and inflation.The relationship between base rates and bond yields can be complex.Fixed income investments are often overlooked but a

Send us a textI've waited a long time to interview my longtime friend Dr Judy Aslett on the Prosperity Podcast. A former foreign correspondent for Channel Four, Judy is a  seasoned journalist, documentary filmmaker and co-creator of the popular YouTube channel Sailing Fair Isle. Together with her partner Steve, they dive into the realities of life on a boat, the art of powerful storytelling and creating meaningful change across the globe. Judy shares her journey from reporting on post apartheid South Africa to documenting one of the world’s most confronting topics, female genital mutilation (FGM). Having spent over 25 years working in Africa, Judy reflects on the challenges of ethical journalism, how she and Steve transitioned from news desks (and Steve behind the camera) to sailboats and why their documentary work still centres on giving others a voice. This conversation also touches on lockdown life at sea (which is where I first stumbled across their YouTube channel), adapting to global uncertainty an

Send us a textFor This Week in Wealth I caught up with property expert Eyeedul Haque on the recent Bank of England rate cut and April's property price numbers. We explore how interest rate changes affect buyer behaviour, mortgage rates and the rental market, while also analysing transaction trends and approval rates. Find out why Eyeedul believes now is the time to act quickly while it's still a buyer's market. Interest rates have been reduced to 4.25%.Inflation is forecasted to rise to about 3.1%.The Bank of England aims to encourage spending to avoid recession.Mortgage rates are dropping, making it a good time to buy.House prices increased by 3.4% year-on-year according to Nationwide.Rents have increased by 1.2% nationally, but decreased in London.Transaction rates spiked due to the end of the stamp duty holiday.It's crucial to act now in a buyer's market to secure properties.Understanding fees is essential when considering mortgage options.The housing market is expected to see more

Send us a textJames Collier returns to the pod this episode. James, a former NHS dietician and cofounder of Huel opens up for an honest conversation about the future of food, body image, misinformation and his excellent new book Well Fed: How modern diets are failing us and what we can do about it. James takes us from his early days in NHS dietetics through bodybuilding and nutrition consultancy to cofounding one of the world’s leading complete food brands. Drawing on three decades of experience, he explains why our relationship with food has become so complex and how we can start to think more clearly about what we eat, how we eat and why it matters. The discussion explores “contemplative nutrition,” a five pillar framework that includes health, ethics, the environment, mental wellbeing and the social aspect of food. James and I also share our personal experiences with body image, fasting and wellness culture, offering a refreshingly human take on the often polarised world of nutrition advice. This is a deep

Send us a textThis podcast is all about the acronyms - the SRA regulates an AI law firm, the FCA eases red tap and the BoE cuts rates. Today I discuss various financial topics including market trends, the impact of the Bank of England's interest rate cut, and the FCA's regulatory changes aimed at simplifying financial advice and the mortgage market. I'm also blown away by the registration of Garfield.law, the first AI law firm in the UK.Any comments you can email me nicole@yourprosperity.org.uk.Support the showDisclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.

Send us a textEver wondered how cutting edge technology can transform content creation and consumption? In this episode of The Prosperity Podcast I welcome Michael Becker, founder of Neo Core and author of “Content Capitalist: How to Create a Content Business.” Michael shares his remarkable journey from pioneering EEG technology that adapts audio content to your mood and mental state, to reshaping traditional content marketing strategies through his latest book. Discover how Michael’s revolutionary startup, Neo Core, utilises EEG tech to analyse and interpret brainwaves in real time, delivering a highly personalised listening experience designed to maximise attention and engagement. We then dive into the future of content consumption, discussing how technology can influence productivity, mood regulation and overall wellbeing. Michael also shares powerful insights from “Content Capitalist,” which is genuinely a brilliant marketing manual, explaining why traditional marketing funnels are becoming obsolete and r

Send us a textIn this episode of This Week in Wealth I discusses the current state of the UK economy, including market performance, inflation and potential financial shocks. I highlight the challenges posed by rising costs of living and the impact of economic policies. Despite the grim outlook, there are some positive developments in the entrepreneurial spirit and investment trends among UK residents, emphasising the importance of adaptability in financial planning. TakeawaysThe UK economy is facing significant financial shocks.Inflation is projected to rise due to various factors.The UK is currently heavily exposed to US market fluctuations.Entrepreneurial spirit is on the rise in the UK.Despite this some surveys show that financial optimism is increasing among UK residents. Go figure?Investment trusts are gaining popularity among investors.Positive movements in the financial landscape exist despite challenges.Do you think we're on the brink of financial ruin? I welcome your thoughts and comments to nic