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  1. Hi all I have a question which has really been bugging me as everyone seem's to talk about investing in different areas of the country because (quite rightly) they are hotspots and suit peoples strategies a lot better than where they live. I have just completed my first refurb and refinance and I am keeping it to rent out as the capital appreciation potential is high and it gives me a nice amount of cashflow along with a healthy sum to pull out in the refinance. I am now looking at other areas around the country (mainly the hotspots around Manchester and Liverpool due to great
  2. Hello, Thank you for reading myself and wife's joint BTL journey. The vast knowledge and resource that is available here is amazing. I purchased "The complete Guide To Property Investment" by Rob Dix. Which has led me here! Unfortunately I discovered this information in September 2020, few years after starting our BTL adventure. Our Journey started in 2018 where we purchased our first BTL in Coventry. Why Coventry? Well, Coventry is home is Cov university which is known for there engineering education and also home to Jaguar Land Rover engineering centres. Coventry is also exper
  3. Good evening all, I am Grant Jones, I am 30 years old and live in the south east of Essex. I have a wife and a baby daughter and these are the reasons I am here. To help look after their futures. My wife and I have a good sum of equity in our own property and we have some extremely close friends who have an established property business seeing properties around Manchester (mainly areas such as Salford and Eccles). I am planning on reading and educating myself as much as possible before I dive into this venture and have a 12 month target to own and let a second prop
  4. Hi PH, I had started listening to the Podcast last year for the first time and almost caught up now and in a position to (try) and buy my first investment property in the UK. Without going into too much detail, I'm an expat and looking for a BTL expat mortgage for a property that is likely to be between GBP75,000 - 85,000. I have a deposit (25%/30%) for a property in this purchase price range, otherwise I would consider a more expensive property. I'm looking to take action which the deposit I have and purchase something this year. However, I am struggling to source a Mortgage
  5. I would like to invest in property and I have £250K to spend. Should I buy two properties or one? I thought two may be better to: * allow an income even if one isn't rented yet or there are problems. * less risk if the property was ruined by bad tenants. *If I buy in two areas I may smooth out any sharp rise or fall in the increase (or decrease) in value of properties in a certain area. I live abroad and will have the property/ies fully managed so I was thinking one property would be better: * to lessen start-up and paperwork fees - I assume they'd double as there's two flats.
  6. Hi everyone, I am Stephen 27 Ex Military served in Afghanistan, March 21st 2012 I stood on a i.e.d (mine/bomb). Let’s not be negative now I love my prosthetic leg it makes me who I am. So the property side of life I currently own four 1 buy to let 2 outright and my personal one. Due to personal circumstances I have a credit score so low I can not get a mobile contract I’m in limbo mode of where do I go next to release money to invest into more property. 2020 is about learning so please any information would be great I have attended ppn and hoping to make pin Liverpo
  7. Hi, Does any one have any recommendations for a solicitor to work on a ltd company buy-to-let purchase in Liverpool? Any help or advice would be much appreciated, this is my first one! Thanks, Kate
  8. Hello everyone, I'm Bob, and i'm from Leeds currently working as a Prosthetist (artificial limbs). I'm 33 and for the last 6 months I have been researching property investment as a way to one day reduce my hours at work or even leave work all together as well and building assets for the future. I'm gutted that it has taken me 33 years to learn about the concepts of storing wealth and investing, but i am now doing everything can to achieve my goals. After recently buying my first home with all my savings, i am having to start from scratch to build up a deposit for my fi
  9. Hey All, If I was to buy a building that was comprised of three units (Flats), and intended to live in one of the three and rent the other two out, what mortgage type would I need? I cant find clear guidance or the technicalities. Thanks
  10. Trying to gather information on the Great Yarmouth rental market. I can easily find information about the average rental prices in different areas but I am wondering how long it typically takes to rent out properties there? Does anyone have any insight?
  11. Hey, fellow Hubbers! Looking at some property in Sheffield and came across a development called The Fitzgerald by developers called Romiga East Ltd. The numbers seem to stack up really well and as this is phase 2 of the apartments, I have direct comparables for both rent and purchase prices which is great. It would be off plan with completion around October 2019. The only question I have really is about the developers, I have not heard of them, I have of course done all the normal googling and cannot find anything bad about them. Just wondering if anyone has worked with them or purchased
  12. Hello all, I'm looking for some advice, I'm 25 and I've currently got a portfolio of 3 properties. My strategy this year was to carry on buying, but after having a meeting with my accountant he said perhaps it's worth me slowing down to see what changes brexit could bring. Everyone seems to have slowed down and I personally think this is a great time to try and take advantage of a slower market. Anyway, below is my current portfolio, if you need any further info please drop me a message - Property 1 Purchased for £214,750 Outstanding mortgage £140,000 C
  13. Hello all, I would be interested to see which route you would go down and why? Please see scenario below - By May of next year, I will (hopefully) be in the fortunate position of having about £100-£120k cash, I plan to use this to buy property. Now here comes the tricky part.... I've been fixated on using this money to buy one big HMO property costing around £300-£325k and producing roughly net £1000-£14000 PCM, however the more I think about it, the more I wonder - should I use the money to fund 4 vanilla buy to lets or even a refurb? Option 1 - Buy
  14. Hi, Both myself and my friend are looking to make our first property/ BTL investment. What are the lending requirements that lenders look for when there are 2 buyers instead of one. And are there any additional things we need to be aware of? Thanks Keung
  15. Hi Everyone, I'd really appreciate it if anyone could give me some input on my current dilemma. I purchased a 2 bed apartment with parking in Manchester City Centre in June 2015. The property is now worth around 360-380k and there is 280k outstanding on the mortgage. I have recently purchased a house elsewhere which I am going to live in full time. My initial plan was to rent the city centre apartment out for between 1400-1600 per month as per estate agent values. However, after taking out the mortgage costs, the extremely expensive service ch
  16. Beginning of last year I have converted our integral garage into an ensuite bedroom, which many of our neighbors done the same in our area, I have asked a couple of them, they said we do not require planning permission as it is permitted development and 80% of the garage is attached inside the property. But what I didn’t realise then is I would need building regulation approval or check, which I didn’t know nor did my builder mentioned at the time. So I do not have the building control permission and am not sure if I should do retrospective BR, as it seems there is no guarantee it
  17. Hi, I had looked to same amazing properties in Manchester that I would love to invest (this is my first investment in the U.K.) but I was thinking of living there for some time before I start renting. Problem is the company selling are just looking for investor and since I’m new in the U.K. property business I was wonder if you think it’s possibel to live in this kind of properties and if this investment companies are reliable ( the developments are not built yet and they ask 25%initial deposit and the rest after completion of the development) Let me know your thoughts
  18. Hi everyone, this is my first post and I have not yet got any properties etc, I am just planning to save some money up to someday start my career off as a landlord. I really want to save up £20,000 within the next two to three years (I've worked it out and can do it.) And then I would like to purchase a cheap but sturdy flat to rent out at £70,000. I've heard that there are mortgages where you're not required to live in the property, called 'buy to let' however in the UK, I can't find ANYTHING! Does anybody have any general advice for me or know a company of which I ca
  19. Afternoon all, I am new to this site and wanted to introduce myself. I am a self employed "whole of market" mortgage broker. Specialise in residential and BTL mortgages. I have nearly 10 years experience in the finance sector and nearly 4 years experience in the Mortgage Industry.
  20. Hi guys, I am about to complete on my second Buy-To-Let property. However due to complications with my credit score I had to buy the property in cash with the plan to then later refinance, setting up a BTL mortgage, through my LTD Company which I opened a few months ago. As this is the first time I have bought a property in cash and will be the first BTL through my LTD Company (because the first was before the tax changes) I am looking for advice/re-asurance on how to complete the purchase correctly? At the moment the funds for the property purchase are split 50/50 betw
  21. Hi Hubsters, Recently stumbled upon Rob & Robs pod cast as I am keen to make my way in the world of property investment. I don't think I have an issue financing the odd buy to let or flip project but I am in need of sound, genuine advice as to where to start and what my first moves should be. Lets say, I have the funds in place to buy at my disposal... I want to find a property 20-30% under market value, so I look at auction sites /repossessions etc... what happens next? I see one in an area with all the right fundamentals. Do I pay for the property to be surveyed?
  22. Hello all, having read two of Rob Dix's books, I've decided to review my goals and work toward property. I currently have have one buy to let flat. Im looking to move in to more buy to let. 'I plan to save to reach 30% in each property for a deposit. 'I have limited skills other than hard graft. Hope to get in touch with others.
  23. Hello From Northern Ireland. My name is David and I'm keen to begin investing in property. I currently own my own house and have completed a renovation on it. I'm now keen to put those skills to use on an investment with a view to growing my portfolio to the point where I could quit the 9-5 job if I really want to. I've spent a year clearing debt and can now begin to save up for a deposit. Alternatively I'm interested in finding creative ways to finance my first investment without using my own money and hence speed up my introduction to the exciting world of property
  24. Hello! Background to me My name is Conor. I am 24 years old and was born/raised and still currently live in Warrington in the North West England (a fairly sizeable town smack bang in the middle of Liverpool and Manchester). By day I am a Chartered Accountant - by night I am a gym/self-development/dog-loving individual. My interest in property / my 'why' I've always been interested in business. As accounting/number crunching/general business advice is my profession - such as explaining and helping people administer their income/
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