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  1. Hello, Hope this finds you all well. I attended a talk yesterday on Mortgages. One topic which was touched on was Credit Ratings. The gentleman who was leading the presentation was a mortgage broker himself and informed us that credit ratings are important to gaining a mortgage. He explained that having a no credit rating whatsoever is just as bad as a bad one as the mortgage companies need to see that you can pay back any payments. It was suggested that getting a credit card to gain a good rate would be something to think about. I am 22 and I believe that I do not have a credit
  2. Hello, I'm keen to get started in property investing. Have a 5 year plan to gain £2000 net rental income a month. From my research I won't be able to get a HMO mortgage without a minimum of 6 months as a BTL landlord. So would it be correct for me to get a low cost BTL that generates positive cash flow then get a HMO property later. Have little saving and £25k salary, whats everyone's ideas on raising a deposit using 0% interest credit card? Also parents have 1 rental property with no debt attached to it and would like to invest in another property, ho
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