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  1. Hello all, I've joined this page in the hope of gaining some advice from those who have been in the property industry for many years. I recently graduated back in 2015 with a degree in Psychology and Criminology. Although I enjoyed my degree, I have always had a passion for property, and it has been a field that I've wanted to get stuck into since my last year of university. I'm recently living in between Leeds and York and working as an Estate Agent which I am loving. However after doing some work experience with a surveyor, I have developed a passion for surveying. I understan
  2. Hello All, I am 24 years old and have owned my own house for 3 years now. I have decided to take the plunge into going into property and have just had an offer accepted on a property for Buy to let. I was wondering if anybody with more experience than me can give me advice on starting off building up a buy to let portfolio. My idea was to start off with an interest only mortgage so that i have minimal outgoings using profit from the rent to build up another deposit quicker and so on until i have 2 to 3 properties on the rental market and am more comfortable financially to increase my outgoin
  3. Hello, I was looking to get some, advice from anyone about the property business. I am very new to property and don't know much about it or where to start, however I do have a growing interest in it. Open to any advice or suggests that you may have. Many thanks
  4. Hello all, I am keen to get started in property investment. Making use of online resources and books, I have been educating myself over the last few months and aim to make my first investment in the New Year - a special thanks goes out to the two Robs for the wealth of information and inspiration on this site and elsewhere! My goals are to provide for my young family and build up enough passive income from property to sustain a modest/comfortable lifestyle and to have the option of working part time (I am a history academic). I grew up in Lewisham and live in West Norwood, and ideally
  5. Problem solved. Unsure how to delete a post...
  6. Hi I'm new to the property hub and I am looking to start my first investment next year in Norwich. I just wanted to know if the majority of investors use interest only mortgages for buy to let property's? And also if I could get an example of how you would eventually pay off an interest only mortgage in a buy to let. Many thanks look forward to hearing from you! Scott
  7. Hello there, I thought it’s finally about time that I introduced myself on this forum. I’ve been visiting here regularly for around half a year now but never introduced myself properly so here we go. I’m 17, based in Sheffield and am an aspiring Property Developer/Real Estate Entrepreneur/Wholesaler. I’ve been interested in property from a young age and have slowly been building myself a foundation of knowledge and skills to hopefully begin fulfilling my aspirations when I turn 18. I will not have enough money to invest or develop initially so I am trying to focus on flipping and w
  8. Do you need to downsize to a smaller house? Is every corner of your home filled with your prized possessions? Do you find it hard to let go of your things? A major TV broadcaster is looking for people who are at a stage in their lives where they need to move to a much smaller house and must decide what to bring with them and what to let go. Do you have a house full of heirlooms, collections, kids' belongings, or even just an awful lot of knick knacks, kitchen utensils and old books? Does the thought of cutting down seem impossible? If you need to get rid of a serious amount of your possess
  9. Hi Everyone! My name is Jacqueline and I am new to the property world. I have no experience with property but am currently educating myself and trying to gain as much knowledge as I can before making my first deal. Me and my business partner are looking to invest in Birmingham at the moment. Our focus is BMV multi-lets, starting at 3 or 4 bedrooms as it will be our first property. BUT firstly we are trying to get our funding together before anything. This is my current situation! Hopefully I will be updating it before June to I GOT MY FIRST PROPERTY! Has anyone got any advice in parti
  10. Hi all, I first subscribed to the Hub in December and only just got round to the forums as I've been listening to the podcasts and reading Beyond the Bricks - twice! Not to mention the new magazine which is FAB. My Other Half (Nige) and I have been learning about property investment for a few years now but lots of family "stuff" has got in the way and meant we just haven't been able to get serious about it, although things are changing for the better now so we are getting our strategy together. My background is 20+ years in engineering bossing blokes around (always fun), and then I
  11. Hi, I recently read a book called 'Rich Dad, Poor Dad' - arguably the best investment I have made in myself to date - which then lead me to read 'Property Investment for Beginners'. After reading these books, I have immediately started saving to make my first property investment. It seems logical to make my first investment more about 'learning the trade' as opposed to making huge and/or immediate returns, with the intention to increase my appetite for risk in line with the more experience I have (open to arguments for/against this idea). Firstly, what literature, websites o
  12. Dear All, A newbie to the site, so hope to be able to add input and experience going forward, though alas for now I’m going to be a net taker [hopefully] of some worldly wisdom from people here. Overview: I’m not entirely new to BTL, having held a ½ share with a family member of a 5 bed HMO let to professionals in Southampton for the last 6 years. To date I’ve rarely had much to do with the place as the family member lives close and in addition to a wider portfolio he holds in the area, has self-managed this property alongside his others. We are now at the point of wanting to buy t
  13. Dear All, A newbie to the site, so hope to be able to add input and experience going forward, though alas for now I’m going to be a net taker [hopefully] of some worldly wisdom from people here. Overview: I’m not entirely new to BTL, having held a ½ share with a family member of a 5 bed HMO let to professionals in Southampton for the last 6 years. To date I’ve rarely had much to do with the place as the family member lives close and in addition to a wider portfolio he holds in the area, has self-managed this property alongside his others. We are now at the point of wanting to buy t
  14. First time poster here! I have just completed the purchase of my first property with my close friend and his Brother (we have drawn up a trust agreement!). We got hold of a great 3 bedroom house in Guildford within walking distance to town centre and Univercity. We didn't quite have enough cash to attain a BTL mortgage, but we have raised around 18% for our deposit. The plan is to live in the house for 2 years on a repayment mortgage and get up to 25% ownership. We will then move out and rent it out as a 4 bed (thanks to the extra reception room). So during these two years... as well as put
  15. Hi Everyone, My names Emma, I have been working in the private rental sector for 5 years and I have experience in all aspects of the letting industry. My current role is as the General Manager for a leading letting agency operating out of franchises in both Peterborough and Cambridge. The focus of my role is overseeing the day to day operations of the business, business development, future planning and to help new and existing clients to build and improve their property portfolios. I am passionate about all aspects of the letting industry, but especially buy to let and helping clients
  16. Hi All, I have recently moved back to the UK after an unsuccessful stint of living in France for a good number of years. This has led to a bit of a crossroads in my life. I had previously given up my career in civil engineering in the UK to move to France and start a business in the tourism industry. However, I am now back in the UK dreaming of being my own boss again and not going back to the famous "rat race". This has led me to the conclusion that I should start a career in something I have always loved, property! I have been involved in renovating flats and houses in both France and th
  17. Hi there, I was wondering if anyone would have any advice or recommendations for a Letting agent in the Haywards Heath or Burgess Hill area (Sussex). I'm just at the start of my property investment journey and I'm trying to get all of my different "ducks" in a row. At this stage it would be for the management of one property - although hopefully more in the future. I have been into Belvoir in Haywards Heath and they were really nice and helpful - however having done some digging around on the web it seems they have very bad reviews ... Does anyone have any experience of using them...
  18. Hello everyone! I have a very unusual property law case. I have been trying to get advice from about dozen of various property law solicitors as well as taking some actions but unsuccessfully and no one knows what to do with it…. In 2007 my husband and I bought a leasehold property (1st floor maisonette) with a converted loft. The loft was converted in 2004. When we bought the property it was repossessed. We used recommended solicitors, who were based in Scotland. Only after the purchase was sealed I found out that the loft had a separate title and what’s worse it was not transferred in
  19. Hello all, Would really appreciate any suggestions from anyone who has used a builder for conversions or something comparable before and can recommend. The builder I was set on using has been delayed on another job due to subsidence discovery and has a undefined delay as a result. The property is in Coalville, Leicestershire. Any suggestions would be great. Ta, Glen
  20. Hi, I'm Mike! I'm renting rooms, parking, music studios and developing commercial property, laying plans for BTLs in 2016. What you've done in property so far: Developed 2 Music studio spaces in Zone 1 London (Commercial Lease) Rent out 2 rooms in London Fields Rent out parking in London Fields What areas you invest in (or want to invest in): Elephant & Castle, Hackney, Acton What your plans are for the future: My 7 year interest only mortgage on my 2 bed flat on London Fields ends April 2016. Being Self employed, I am looking investigate al
  21. Hi all, Really enjoy reading all the topics in this forum. I currently have one BTL investment in Manchester and live in London and face the following dilemma. Situation: With my mother and brother moving out in the coming months I face the problem of having spare capacity in our residential property. Consequence: With only my younger brother and myself left in the house, it is highly likely we will move out and either rent somewhere new or buy a place to live in. What does this mean? Option 1: I could convert the 4 bed house (5 if I convert the living room to a bedroom),
  22. Hi there A friend of mine is having an absolute nightmare with an agent in Sheffield, so just wondering if anyone has any recommendations for an lettings agent over there? Any suggestions/experiences would be welcome thanks Dave
  23. Hi all, So, I've just had the dreaded news that a BTL of mine needs significant work done (£thousands, not £hundreds) in order to keep the current tenants and have them resign (their current contract ends in 3 weeks) or even make the place lettable to new tenants. Basically, the work needs doing - poor insulation, rising damp, re-wiring electrics, etc. Currently, the monthly rental is around £150 above the mortgage cost, so not a huge amount, especially since interest rates are set to rise, right? Not to go into specifics just yet, I'll just say that by spending a little more in the re
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