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Found 3 results

  1. 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 that later we would have to sell this property to our limited company if we change mind in the future. Any advice from your side? Any recommendation for an accountant in London for a 1off consultation? What's a fair price for this kind of consultation? Thanks in advance to everybody! Teresa
  2. Hi everyone, I live in London and the rent I pay at the moment is much lower than the mortgage I would pay to buy the same kind of property here (like 40% cheaper). So, I'm thinking to invest my money in a buy-to-let somewhere else and keep renting in London. But I cannot find enough information online to understand if it's a good idea: Will lenders allow me to do buy-to-let as a first investment? Will I lose the the ability of using only the 10% deposit when I will buy my own house in the future? How will the Stamp Duty work? Will I pay less in the first buy-to-let and more in the future own home? Thanks in advance for any help!
  3. Hi! I'm Will, I'm 27 and am based down in Hampshire/London at the moment. I have long had an interest in property as an investment but am only now in a position to buy something on my own. My first experience with property was in 2011 and it was a joint venture with my parents. We bought in Kings Cross (I own 25% - costing £150k) and it is doing very well thanks to all the local redevelopment. My primary goal is to work up through the property ladder so that I have somewhere nice to live and be mortgage free. Depending on my success I may treat this a serious venture; and put off buying somewhere nice to live in order to generate additional capital outside of my primary residence for continuing investment. I am now looking in Hampshire as this is where I am currently working. My plan is to look for something with a lot of potential and I don't really mind living in it during the work. I have no desire to own a house at the bottom of the market for very long. I happen to be a Civil / Structural Engineer (the day job) and so hopefully this will prove useful!
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