I first got into property over ten years ago. I was 18 and saw an opportunity to create an extra income for my future, family and pension.

This was particularly important to me as I did not come from a wealthy family. Building an additional income would be a way to provide security.

I spotted my first opportunity at the start of the recession. From there I was able to expand and purchase more properties at a cheaper market value.

These properties were dilapidated and I made it part of my growing business to bring unused and unloved properties back into use.

I started off young and was saving pretty much every penny I was making from my part-time jobs to invest and make that money work harder than in the banks.

I did make some short-term sacrifices, which was tough at times, but I knew this would help secure my income.

The recent tax relief changes introduced by George Osborne were a bit of a shock, and have made me reassess my business structures.