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  1. Hi! My partner is considering a job in China. We have one property in the UK where we live. It's on a residential mortgage and currently 3 years into a 5-year deal. We need to run the numbers to understand where we will stand if we go ahead with the move. I'd appreciate any feedback on the initial checklist I have... Speak to our mortgage broker about options to switch to a buy to let or getting permission to let. Speak to an accountant about the income tax that will be due on the property given my our circumstances (working/paying tax in China). Check-in with a f
  2. Hi All, I am new to Property Hub. I am about to purchase my first BTL property. I am a UK citizen however have been working outside the UK since 2014. I have read up quite a bit about Section 24 and other tax on landlords / BLT income etc. however have not been able to find anything that reflects my situation. I do not have any earnings in the UK or EU and therefore am not paying any income tax. I have also completed a P46 upon leaving the UK registering myself as no longer living in the UK. I want to know if I be liable for tax on my BTL earnings if they are in a personal name?
  3. 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
  4. Hi everybody! My husband and I are looking to get a BTL in Scotland (we have some contacts there). We're not homeowners and are wondering what's the best to do, buying through a joint personal mortgage or through a limited company. Our mortgage broker said that possibilities are very limited for us buying through a ltd, plus interest rate will be higher. Our idea is to build a small portfolio. Would it make sense to start with one property on a joint personal mortgage and see how things go? It looks that is more expensive to start with a limited company. I guess the problem would be
  5. Hi I've just become a member of Property Hub (and have now made a few posts!). I am an expat living in Norway and own 4 flats in Ealing in West London and am now looking to expand my small portolio. Up until now I've done my own bookkeeping and self assessment tax returns. I'm now wanting to get an accountant to give me some advice on minimising income tax, CGT and IHT and probably prepare my self assessment returns. I'm also of course looking into the possibility of making future purchases through a limited company. Through various forums and online research 2 specialist firms
  6. Hello Everyone, I am in the process of setting up an SPV Ltd as an expat. Looking for advice on mortgages for British expats looking to borrow into an SPV for UK property? What are the time scales for approving an application? what sort of rates/fees am I looking at? Any advice is warmly welcomed!
  7. Hi all! I am glad to finally drop a line in this forum to introduce myself, after going through the whole back log of Property podcast... As it says in the title, I am a French citizen, leaving in Hong Kong for many years now. I have been familiarising myself with the UK property market so one day I could start diversify my property portfolio and invest overseas. My current portfolio is per below: A one bed flat near Disneyland Paris, bought off-plan in 2011, delivered in 2013 A two bed flat in Eastern Paris suburb, bought from a relative in 2017 A studio in Paris
  8. Hi all, I'm new here, and found this site after a friend recommended the podcast. In short, I'm trying to find out if I should be paying tax or not. I am a UK expat of 8 years, living in the Middle East. I bought my first investment property last year for cash, through an investment company. I understand the even expats are required to pay tax if their property generates income IN the UK. However, the amount generated is below the tax threshold - around eight thousand pounds. Because the government website won't let me o my tax returns online - I have to use some third
  9. Hey im looking to invest in the uk through a ltd company with my twin sister. She'd be director and I'd be a share holder. Is this possible to do? What's the tax situation for this scenario? If im receiving rent would that go against my tax free allowance? Who do I speak to too gain more info on this
  10. Morning property hubbers. Here's a quick note to introduce myself. I've been living in Qatar for the past five years and don't have plans to leave just yet. I'm originally from the beautiful sticks of the High Weald in East Sussex but don't see that as a place I'd like to be investing anytime soon. This has pretty much led to analysis paralysis as I've been scrolling in and out of maps of the rest of the UK. Thanks to all the great property hub podcasts I feel I've finally narrowed that search area down, but I'll save discussing that for another post. Very keen to connect with any other e
  11. Hi Hubbers, I am looking for a buy to let mortgage as an expat buying through a limited company and do not currently have any other properties to my name. I've checked out some other threads on this forum and extracted some brokers to contact including: AS Financial, Liquid Financial Services; Charcol.co.uk; Vida homeloans. I would really appreciate any tips / advice if anyone has any recommendations from their own experience in a similar position (as an expat buying through limited company). I have spoken with Liquid expat who have come up with an option at 4.3% fixed but would idea
  12. Hi, I'm currently a UK resident (previously an expat for 4 years), I am relocating again for work. Do I need to make HMRC aware the exact month I relocate (November 2018) or can I keep my UK resident status for the rest of this tax year (until April 2019)? Basically I want to try and stay as a UK resident for this entire tax year, and then become an expat only from next tax year (April 2019). Really to save on doing all the expat landlord forms half way through a tax year. Thanks for any advice. I'm also on the look out for a new accountant who can do
  13. Hi All Does any have any experience dealing with Sharia Buy to Let Mortgages? I am currently an expat and Sharia mortgages seem to offer more flexibility and better interest rates. I am new to the concept and the shared ownership with the Bank owning the majority of the property makes me slightly wary of them. I gather this is the standard procedure but I'd be interested to hear from anyone who has experience in dealing with these. Thanks Ryan
  14. Hi All I’m currently an expat in the Bahamas looking for a mortgage broker and some advice. I’m a first time buyer with no current investments so new to the market. I earn a great tax free salary (circa 100k) and have a bit north of 50k in savings. If if anyone has any advice on where to start, the best properties to be looking at as a first time buyer and what financing options are available it’d be greatly appreciated. Thanks Ryan
  15. Hi, I have found a lender for non-Uk resident that is Ok to work with me on building my UK portfolio but the lender is requesting me to have a UK bank account. As non-Uk resident I cannot find any single high street bank willing to open a UK account for me. The only one would be the "Premium" accounts from Barclays, Lloyds and HSBC but they require 100.000GBP investment with them (I much rather prefer to invest that in properties...). Any good leads on which organisation can help me open a UK bank account? Thanks in advance for the advise. Antoine
  16. Hello all, This is my first post as a hubber and I am currently working my way through the podcasts. I'm still in 2015 so have plenty of catching up to do. I purchased my first property in 2015 (A two bedroom terraced property just outside of Birmingham) and initially planned to live in it myself. Shortly after closing the deal I applied and successfully got a job working abroad in Dubai as a teacher. I lived in my property until August 2015, obtained permission to let from my mortgage provider and moved away. I have now been away for 3 years and have one more year left
  17. Hi Everyone, I currently earn in the higher income bracket and own 1 flat in London which is my current residence. I have 195K to invest at the moment and estimate that I would have a further 200K in 2018 once I renovate my current flat and remortgage as a buy to let (at 75% LTV). My plan would be living overseas at the end of 2018 with sufficient income from BTL Investments make to be liveable but the intention would be to continue workings but doing something a little some enjoyable that the current work. The London flat would remain under my
  18. Hi everyone, I'm from the UK but work overseas. I have a lot of free time to focus on the new property business. The problem is i'm not spending any time back home in the UK. I have money to invest for BTL properties and already have some properties in the UK but in my personal name. I want to build up good cash flow because my current UK income is small. Do you think its possible doing Lease Options back home while i'm not in the country? Do you think its possible doing Rent To Rent back home while i'm not in the country?
  19. Hi all, I have started my investment journey over the last 2 yrs as an expat living in Melbourne, Australia - as I rarely get back to the UK I have been working remotely with sourcers to purchase a house and an apartment in Manchester. To continue with my next investments in 2018, I am currently jumping through all the hoops needed as an expat to get a mortgage, but will hopefully complete on the first one in January. Then I will be looking at Manchester or another northern powerhouse city for either multiple 2-3 bedroom properties or a small freehold block of flats.
  20. Hi team, Been sneaking around on this forum for a while now reading all the great content so would like to introduce myself. I'm currently based in Hong Kong and am looking to add to a 2 bed terrace I have in Plymouth (my hometown) which I own outright. My aim is to move back to the UK in around 3-5 years time. Currently I have around 100k good to go for deposit(s) and I'd like to invest that in some 2-4 100K BTL properties during the next 12 months before gradually adding more to that fledgling portfolio before I return. I have my eye on one more flat in Plymouth and am also open to i
  21. Hi All, I’m new to the excellent forum here, but have been investing in property for 15 years so have a fair bit of knowledge, partly learnt from my own experiences both good and bad (Spain, Bulgaria!) and from the experiences and ideas of others. I left the UK 10 years ago and now live and work in a ‘normal’ job near Zürich in Switzerland. The property market here is very illiquid, laws very tenant orientated and properties very expensive (a 2 bed apartment in the town I live is minimum £700k) with a 20% deposit required. Due to these factors I am focusing my attention again on th
  22. Hello everyone, My name is Ugnius and I am currently living in the Netherlands where I am looking for property investment opportunities. I would love to meet people that are interested in property investments in the Netherlands and maybe have a chat over few pints of beer. Drop a line if you are also in the Netherlands and you are interested in property investments.
  23. Hi all, I may have asked this before as it has been an ongoing issue but I am looking to see if anyone knows why I am struggling to find a lender who is happy to touch ExPats who live in Australia for a remortgage. It wasn't an issue before as I have tapped equity in this property twice in the last 5 years but now it seems to be a big issue. I have plenty of equity at about 55% LTV which I could easily use to carry on building a portfolio if I could only release it. I guess second question might be that if I sold the property to release the equity what capital gains
  24. Hi! I'm Alex, mum of 3 and finding my way into this very exciting world of investing in property. A couple of hurdles to over come and would so appreciate any insight - 1. Firstly I live in southern France close to Nimes - anyone else on this forum ? 2. Expat mortgages - yes, I'd like to get involved here in France but also equally in the UK. Since finance forms a necessary part of getting started, I am wondering whether anyone would have mortgage broker recommendations or other advice.... Thank You !! Alex
  25. Hi all, First post, so go easy on me. I'm UK expat living in Munich with my German wife and seriously interested in starting the property investment journey back in the UK. I'm in the early stages educating myself through the excellent TPH & TPP resources, making connections, getting advice and already meeting early challenges. One such challenge is Expat BTL mortgages. I've had some helpful conversations so far with brokers and mortgage companies direct, but the initial issue seems that most will only offer Expat BTL on a min loan of between £100-150
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