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  1. Hi everyone, I’m Elliott. I’m a newbie to property investment but am 100% committed to building a passive income for me and my wife that will give us more time to do the things we love. I made the decision to return to education as a mature student and graduated from Portsmouth Uni last year with a degree in Property Development which gave me a great ‘textbook’ insight into property investment, so I am now trying to absorb as much ‘real life’ information from podcasts, books and the PropertyHub as possible. Living down in Southampton, my short term strategy is to
  2. Hi all, I get my 1st BTL on tues and have spent ages checking out various companies for quotes, is there a company that does them all for a decent price? Buildings & Contents Landlord’s Ins Emergency Cover Public Liability Appreciate any feedback ✅
  3. Hi everyone! Just to introduce myself I am 26 and work full time with a busy job in the NHS! I bought my home almost one year ago and am now looking to buy my first buy to let and really hope that this will be the start of a portfolio. My main focus is capital growth - a good yield would be great, but I am happy to compromise on this. I am focusing on Nottingham as it is near to where I live so I think that this would be a great starting point. At the moment I am looking at houses only because I understand them more- as I build on my portfolio I would be keen to look at flats at a l
  4. Hello, I am new to the world of property development and looking for a mentor to guide me through my journey. A little about me: I have recently quit my job as a commercial real estate strategy consultant to become a property developer focusing in residential development in the Peterborough area. I have an undergraduate degree in Architecture, so along with my career in real estate I have some knowledge, but it's lacking on the residential side. I am currently refurbishing a small barn where I will be living, and I am at the very early stage (just starting the design) of a smal
  5. Hi all, thanks for taking the time to read this. My name is Scott, I’m 32 and I’m from S.Wales. I’m here for advice and to learn about property investment, I’m very much a newbie but know enough to realise I could be sitting on some cash gains if I play my cards right. I currently have around 70k equity in my home. I’m hoping to release about 35k of that 25k for a deposit on a BTL home (100k home in the valleys) and purchase my first investment. I don’t expect to make a fortune from rent just enough to cover the rise on my home mortgage. I plan on doing this by the summer when my current
  6. Hello everyone, my name is Nathan, nice to meet you. I am a 27 years old, currently studying to be an accountant and working full time. I have also studied property and investments for a number of years now, but have never had the capital to actually do anything about it. Now I have some capital behind me, I will be applying for my first ever mortgage and hoping to jump on the property ladder within the next 6 months. I have been researching a number of different cities, but Greater Manchester and the Liverpool area seem to be the most desirable for me. My initial plans will be
  7. Hello All, About Me: I am a 30 year old looking at getting into BTL for long term growth, have read plenty of material, books, podcasts etc. Being a home owner myself, we bought below market value and have done a refurbishment and added equity to our primary residence although this isn't the particular route i want to go down I learned a lot in the process. I am an Engineer within the Merchant Navy industry and work 3 months on/off so have plenty of time to spend on building my strategy and portfolio. Main reason for post, was supposed to be at the Southampton
  8. Hi all, I get my 1st BTL on tue (but no tenants as of yet obvs but hoping to get a letting agency onboard FM) but I keep being rejected by the insurance companies for LANDLORD INSURANCE!! Is this because the house won’t have any tenants/tenancy agreement in place for about a month (hopefully)?? Everything else has been plain sailing. Very frustrating, wanted to get all legal stuff sorted beforehand or am I being to ambitious? cheers Diane
  9. Hi Property Hubbers, Before I begin, I would like to thank the Property Hub team for all the amazing content they produce. So a little about me.... I've worked in the telecom industry for over 9 years after starting out as an apprentice. I embarked on the pointless journey of working my way up through the ranks, and finished in a comfortable senior management role (Cyber Security) before cutting it short. A year and a half ago, I stumbled across the book Rich Dad Poor Dad by Robert Kiyosaki. This book made me question alot with the current system and the beliefs that I also held in
  10. Hi, when you’re filling out insurance forms it requires ‘building cost’ but is it not the value you paid for the house? I have no idea how much it would cost to rebuild!! Diane
  11. Hi all, I should be getting the keys my 1st BTL next month and I’m super excited but I’m toying over wether to furnish/part furnish/unfurnish the property. It’s a beautiful Yorkshire stone 2 bed terraced (hardly needs any work) in a lovely area, also the vendor is gratefully leaving the settee, range cooker plus wardrobes. My dilemma is do I leave it as is? Spend more ie washing machine (for which I’d be liable for) beds, tv etc! Id be very grateful for all advice Diane
  12. I have been researching and looking for my first buy to let property and have focused on Nottingham! I have seen a couple of ex-council properties and have been advised by local lettings agents that they would rent out well to families, which is exactly what I am looking for! In terms of numbers, they work well too! The only concern I have is simply just the fact that they are ex council. I know that in terms of renting this isn’t so much of a problem these days, but I am looking for a mix of yield and capital growth- I do not rely on the income, but as it is my first some good cas
  13. Hi My name is Marie and I am new to investing and buying property. It is actually a scary thing but wanting and willing to take the jump. I feel quite old as I am seeing lots of really young people starting their journey. I have never owned a property and neither has my partner so everything is new. We have a broker that we have found and a solicitor that seems really good and my husband is an accountant, so I think we are set. We have some areas (further north) that we are looking at but we are unfamiliar with them as we are both Londoners. So any advice about areas to stay clear off wou
  14. Hello all! I am looking to start a property investment journey. I haven't bought any properties yet, and am busy learning about the strategies and practicalities still. At the moment I am leaning towards professional let's, managed by an agent. I would like to keep my investments in the UK but other than that I will be taking professional advice, and will likely use a property sourcer for the majority of my searching. My goal to build my portfolio to the point it can support myself and my family. I'm pretty ambitious, so I will try to invest as much as I can as fast as I can, th
  15. 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
  16. 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
  17. Hi, I'm Charlie from Bury in North Manchester. I'm a complete novice in the property game. Working very busily through life and realise pensions just won't cover my retirement plans. Have been talking about going into property for several years particularly following a redundancy back in 2015 however I found myself back in a full time demanding role. Looking to initially flip to raise some capital and also build a rental portfolio for the longer term. Areas of interest are local - so North Manchester towns including Bury, Ramsbottom, Tottington, Heywood, Norden,
  18. Hi this is my first post , I am 23 years old and hoping to purchase my first property in the next 2 years however my question in the world of property investing is that as i am a first time buyer i have been contemplating buying a property with a residential mortgage and the 6/12 months later moving location and then notifying the bank and obtain different job elsewhere and putting the property on rent and moving back in with family. Has anyone else done this ? And if so how have you faired ? And what are peoples thoughts of this?
  19. Hi, just joined the forum! Been listening to the podcast for a year or so! Accidental landlord of one flat In Essex. Just got £30k of cash out of the existing property and considering low maintenance flat in Liverpool (or Sheffield or Leeds). Heading up north later this week to have first look at areas in city centre armed with Rightmove and Zoopla. Would be good to chat to some agents I guess but I am on step 1 of this so nowhere near ready to commit. Obvs loads of agents in liverpool, haven’t a clue if they are good bad or indifferent. Any advice/ recommendations welcome... looking at circa
  20. I’m a newbie here and have had one B2L for a few years under personal tax. I’m now moving it to a limited company and looking at mortgages. The B2L is worth £299k with a mortgage of £176k. I earn £51k pa. My IFA states the best limited company repayment mortgage rate is 3.19% for 2yrs or 3.64% for 5yrs. I’m not sure if this is high? Any help or advice would be appreciate.
  21. Hey PH! After being made redundant in the current covid climate, I've taken the opportunity to learn everything I possibly can do about property investment. As things are progressing, I've started to pull thoughts together and I did want to come to the forum after I had a plan set in stone, however I'd like to build up the network base simultaneously with my education. With a career background in project management in marketing/advertising, I'm very comfortable when it comes to managing projects/portfolios; so I figured that stepping into property would be a smart choice for fu
  22. A little bit about me guys .... Hi I’m matlinda, recently joined the property Hub I’m absolutely loving it I would love if you guys could tell me about yourself journeys! I would love to hear how everyone started and what they have learned so far words of wisdom to myself as a newbie! I'm currently studying a degree in music managment and business final year in September hopefully! Although , I have grown the love for properties and being a creative I love thinking outside the box! If you want to add me on Facebook - Matlinda Livani cant wait to hear from some of you!
  23. Hi all, Hoping I can get a little help here on my first post. As I don’t have a great deal of capital for my first investment I am looking to do a BRR on a flat locally first. In people’s experience have you been able to add enough value for the refinancing? I am looking at £100k purchase price, £7-10k refurb (Bathroom, Kitchen, Carpets & Redecoration throughout). Aiming for a £130k valuation (running the numbers of a worst case scenario at £115-120k). Recently sold comparables at £127-132k and a couple of outliers at £145k. Obviously these are sold prices though not a surve
  24. Hi, I'm actually currently at university and was thinking about starting by going into real estate, once I finish my degree. However, I believe it will take me a while to have the necessary funds to be able to invest in a property worth around £80000. The goal setting videos say that lack of funds is an excuse, so I was interested to know what ideas people have for my situation or even share their own initial experiences in real estate. Thanks!
  25. Hello Hubbers Being a freshman in the business of property investment (3 weeks in) I could certainly do with some guidance. I've been busy reading, listening, watching and planning all I can to learning as much as possible and will continue to do so but it would be nice to speak to someone whose been there done that and bounce some ideas off. Any suggestions would be greatly appreciated. Thanks Regards Chris
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