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Found 5 results

  1. Hey all, By way of introduction my name is Indy - recently stumbled across the property hub podcast and have been addicted since - listening throughout lockdown with most episodes repeating throughout the day. i recently was fortunate enough to purchase my first property that I currently live in . Starting at zero again and putting my goals and strategy onto paper I have come to a road bump - I need some advice / guidance if anyone could be so kind ; My aim is to save as hard as I can , possibly a grand a month for 2/3 years , in that time I would have built some equity to remortgage and here is the crux say I came into 50/60 k - I want to get into a buy to let strategy - however I’m aware that most mortgages are only 75% - which leaves me with a purchase price of 200k ish the south east England / west London - where I’m based - it’s really hard to find anything for 200k - so what would you do if you was me ? Would you wait to save a bigger deposit / find a new property to live in and remortgage the house I’m in now to a buy to let ? etc etc Does anyone know of any clever ideas / tricks ? Would be good to hear if anyone is in a similar situation . thanks indy
  2. Me and my partner are desperate to move out of my mums house but also I want to save up for a deposit for a flat. What's the best way to go about this?
  3. First thanks to @rob bence and Rob Dix for the awesome content of TPP228: TIPS TO SAVE AND MAKE YOU MONEY. The tips on the freeholders charge for a subletting fee was amazing. I am in the process of a re-mortgage now and have been hit by two fees; one from the leaseholder and the other from the property manager for a "Lessors notice fee". One is £48 pounds which while not ideal I can take the other is £162 which doesn't seem "reasonable" as the letter of the law states. I am wondering if anyone has any templates or court cases which are similar to the sub letting fees which I could use to dispute the fees or cut them down a little since an extra £200 on the fees is not great. Thanks in advance!
  4. Hi All, I wondered if anybody has any inspiration that they can pass my way. I am currently in the process of buying my first buy to let, and I have started thinking about how I will fund the next property. I can currently save approaching £1,000 a month and am putting this in various bank accounts and regular savers to try and get the best interest rates. Bearing in mind that I will hopefully need to withdraw the funds in 2-3 years does anybody have any ideas for where I may be able to get more growth than the interest rates in the accounts, or share what strategy they use to save their funds. This may not make the biggest difference to begin with, but as the profits grow I would hope to be able to put them somewhere similar. I would be extremely grateful for any suggestions. Thanks Dave
  5. Hello I'm in the process of remortgaging a property to a buy to let. I will have 100% of the property in my name. As everyone knows, over the next few years the tax relief is changing. I was looking for information on splitting the rent. As I'm a higher rate tax payer, I'm going to get hit with 40% which is not ideal. My mother has recently retired, so is it possible for her to rent out the property and get taxed on her rate? If possible, would she have to be on the title deeds? Thanks Howie
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