OraKai

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OraKai Living | OraKai Homes | OraKai Keystone
Ethical Property Investment and management | Commercial to Residential small-scale development | Operations Consultancy (bring back your joy!)

11/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 16 🙌
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🏡Vendor Finance: What If You Became the Bank? 💷
Buyers approach banks to lend them money in the form of a mortgage to purchase a property.

But did you know that you could potentially become the bank instead?

If you have equity in your property and you don't need the money immediately, that money can be lent to the buyer and remain secured within the property for an agreed period.

What this means
Instead of the bank lending the money and earning the interest, you lend the money and earn the interest.

🤔 Would you consider this?
“If you don't need all your money right now, could allowing it to earn interest be worth considering?”

Your equity doesn't necessarily have to arrive as cash on completion. If you don't need all the money immediately, you could lend it, secure it against the property and earn interest.

✋Important✋ - Structured property agreements should be drafted by experienced commercial solicitors. Both parties should be independently legally represented by suitably qualified professionals.

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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 15

10/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 17 🙌
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🏡Could Keeping Your Property Be Better Than Selling It Today? 💷

Selling and renting out your property are two different financial options.

If you don't need to sell immediately, it's worth knowing what the property could produce as a rental before making the decision.

What this means
You can compare:
Sell it now
OR
Keep it and receive rent.

🤔 Worth exploring?
Find out what similar properties in your immediate area are actually renting for.

Then investigate whether keeping the property works financially.
“If the property could produce an income, would that change how urgently you need to sell it?”

Selling isn't necessarily your only exit. Before accepting a sale you're unhappy with, find out whether keeping the property and receiving rent is viable.
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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 16 🙌

09/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 18 🙌
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🏡 Mortgage Deals Can Change During a Sale 💷

Mortgage offers can change within weeks.
Rates and products move quickly.

What this means
A buyer who could afford the property when they offered can find their numbers have changed.
Delays. Changed offers. Sales falling through.

🤔 Consider asking
“Has something changed with the mortgage since the offer was made?”
Something outside everyone's control can change the transaction. A buyer's mortgage position can move after the offer is made, explaining why their position changes.

✨Breadcrumb✨
Changing the price isn't the only way of dealing with a finance problem.
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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 17

08/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 19 🙌
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🏡Not All Buyers Offering the Same Price Are Equal 💷

If two people offered the same amount, are the offers really identical?
One needs a mortgage.
Another has a house to sell.
Another already has the money.

What this means
The biggest number isn't necessarily the strongest transaction.

🤔Consider asking
“What needs to happen before this buyer can complete?”
Don't judge an offer by the number alone. Two identical offers can have completely different chances of actually reaching completion.

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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 18 🙌

07/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 20 🙌
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🏡Empty Properties COST money 💷
An empty property doesn't stop costing money because nobody is living in it.

Whether you're waiting to sell, waiting for completion or waiting for builders:
Finance. Insurance. Utilities. Council tax where applicable. Security. Maintenance.

What this means
Every extra month can mean more money going out while the property produces nothing... And the purchaser may face exactly the same problem after they buy it.

🤔 Think about this
“How much is this property costing me every month while I wait?”

If a purchaser is waiting for builders, ask:
“Is it the cost of the work, the cost of waiting, or both?”

You're carrying the cost of an empty property now, and a purchaser may carry the same pain after buying it. Sometimes both sides are dealing with the same problem at different points.

✨Breadcrumb✨
Sometimes somebody else taking responsibility for the work can change what's possible.
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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 19 🙌

06/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 21 🙌
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🏡Are All Three Bedrooms Really Bedrooms 💷

A property can be marketed as three bedrooms, but a valuer looks at the actual size and usability of those rooms.

The agent may market: 3 bedrooms

The RICS valuer may see: 2 bedrooms + 1 box room

🤔What this means
The lender values the property differently from the agent.

Have you checked your floor plan?
Compare similar two- and three-bedroom properties on Rightmove and Zoopla and ask: “Which is mine actually most similar to?”

The number on the advert isn't necessarily how the lender's valuer sees the accommodation. Two proper bedrooms and a tiny box room may not carry the same value as three genuinely usable bedrooms.
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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 20 🙌

05/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.
We are counting down from Number 30...

TODAY IS NUMBER 22 🙌
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🏡DELAYED COMPLETION 💷
Could waiting longer for your money allow you to get the price you want?

Agree now. Get paid while you wait. Complete later.

What this means
You get the certainty of an agreed sale and price, plus an agreed monthly amount until completion.

🤔Would you consider this?
“If you can't move on price, could being flexible on timing create another option?”
Price and timing are two different things. If you want your price, allowing the purchaser more time and receiving an agreed monthly amount while you wait could create another route.

**Important**: Structured property agreements should be drafted by experienced commercial solicitors. Both parties should be independently legally represented by suitably qualified professionals.

________________________________________________________
Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 21 🙌

04/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...
TODAY IS NUMBER 23 🙌
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🏡You Don't Have to Use an Estate Agent to Find Your Buyer 💷

Did you know you can sell a property privately without using an estate agent?

An estate agent can provide valuable marketing, negotiation and sales progression.

But using one isn't compulsory.

🤔What this means

You can advertise on social media and locally. You may already know somebody who wants to buy the property.

Agree the sale directly and instruct solicitors to handle the legal work.

Could this be another option?
You may already know your next buyer.
If you already know the right buyer, a private sale could be a perfectly legitimate route!
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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 22 🙌

03/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...

TODAY IS NUMBER 24 🙌
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🏡A Survey Can Change an Offer Overnight 💷

A buyer can love your property until their survey tells them something they weren't expecting.

Repairs. Further investigations. Additional costs.

🤔What this means
Delays. Lower offers. Buyers walking away.

Consider asking the buyer
“What specifically in the survey has changed your position?”
If an offer suddenly changes, find out what caused it before reacting. The survey may have uncovered something the buyer didn't know when the original offer was made.
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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 23 🙌

02/09/2026

30 Property Golden Nuggets in 30 days!

We here at OraKai believe in sharing with our community and giving back. Over the next 30 days we're giving away property insights and golden nuggets.

We are counting down from Number 30...

TODAY IS NUMBER 25 🙌
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🏡 Move-In-Ready Properties Have an Advantage 💷

Being able to move straight into a home has real value.

Some buyers will pay more to avoid:
💷 Work.
💷 Waiting.
💷 Builders.
💷 Decisions.
💷 Disruption.

🤔What this means:
You may need to look at your property through a buyer's eyes.

Try this
Open Rightmove and Zoopla.

Look at everything around your asking price and ask:
“If I were buying today, which one would I consider moving into?”

👀See your property through the buyer's eyes. Buyers compare choices, and avoiding work, builders and disruption has value.

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Don't miss any our ✨30 Golden Nuggets of Property✨ - follow OraKai for the full list - catch you tomorrow for Number 24 🙌

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Llandudno
LL30

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