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Hello fellow investors, I am new to BTL (but have done 6 months of very solid research and am ready to invest!). I am interested mainly in Capital Growth (with positive cashflow of course...). Interested in simple BTL as I do not have time for HMO or short lets. I am planning on investing (via Ltd) in Sheffield and/or Leeds area but am based in London. I am also personally buying property in Poland (for yield and also for tax reasons) Currently I work in London and my work brings me to Sheffield quite often and I know that city. In the future I want to build Capital Growth focused simple BTL portfolio of between 5 and 10 houses in the UK and 2-3 properties in Poland (I have a dual citizenship and know both markets well) I am strong with analysis, numbers, money raising and research. Happy to speak to anyone who is also looking at Sheffield / Leeds investment to exchange ideas or even work together. kind regards, Michal H.

Hi, I've been a lurker here for a little while - responded to a handful of posts but thought it was time to introduce myself. I bought my first property in the south-east back in 2007 for £150,500 - though I was working in finance (and still do!) I had no interest or real idea about property at the time though I did have a little cash and so wanted my own place. Obviously it was not the best time to buy but I had no idea about the market cycles or anything. However it's not been a bad purchase overall - more on that later. I lived there for 5 years, had a reasonable job and was paying off the mortgage whilst also saving so by 2012 I was lucky enough to have saved enough money for another place - it wasn't my intention or plan though (as again I had no idea really about property other than knowing that in general that it was a good idea to buy property). I actually happened across a place for sale whilst walking to my dentist! A bit bigger than my current place and included a garage, so I put an offer in and purchased it. I was lucky enough not to need to sell my previous place and so decided to BTL it. I was in the process of modernising the original property (as it needed a little bit of work, but not much) so I sped this up upon move-out and tenanted the place within days. This was back in 2012 and has been rented out to the same tenants ever since. Despite buying that property before the crash, it is now worth approx £225k (conservatively) and has been tenanted with no voids for 6 years - so as mentioned, not a bad deal overall. I'm actually considering remortgaging to release some equity for other properties as I've actually paid down a fair bit of the mortgage to date. My partner moved in with me in about 2016/2017 so we then decided to rent her place up in Peterborough. It's a lovely property in a nice village though the demand is not as strong as down south so we've had a few voids plus the rent is not quite as high as we would like. But still - we're in it for the long term and so are keeping the property in our portfolio. So far I would say we've been accidental landlords. In 2017 I decided to buy another property with the express purpose of it being an investment and a BTL - though looking back I didn't really know what the best thing to do was and I didn't even know that I didn't know! I did set up a limited company for this purpose and ended up purchasing a newly converted flat in the south east which brings in reasonable returns - though if I knew then what I knew now I would probably have invested my money elsewhere and purchased two properties for the same price. I can't remember the exact catalyst but about 6 months ago my partner and I realised that our jobs weren't actually fulfilling us anymore and so we deciding property investing would be the way forward - we already had 3 properties that were doing ok without too much work and without really meaning to invest in property or knowing what we were doing! And so we've been reading, learning and listening to as much as we can to educate ourselves. Not only that but we've been looking at property all over the country - we travel a little bit so are not focussing on any one area in particular. To us, if it's a good deal then it's a good deal. However, as we'd like to leave our jobs asap then we are currently focussing on HMOs, BTLs and places we can add value too (so properties where we can flip, or where we can refurb and remortgage as a HMO/BTL to release some/all of our original cash input). We actually have a deal going through in Sheffield as we speak - it's a 2.5 bed (one room is small!) BTL that should be done by January I hope. This purchase will be through my limited company. It doesn't need much (if any) work though we will probably tidy up the kitchen/bathroom and possibly new carpets to make it attractive for new tenants. ROI should be between 20-25% if I've done my sums right! We had another refurb project that I was hoping for and that we would have flipped. Would have been ideal as was on our doorstep though unfortunately someone outbid us before our offer was accepted - still looking though. We're currently looking primarily for HMOs in a number of areas for the cash flow now. Hope this helps anyone Happy to answer any (well, most!) questions if I can. Will update this further as time goes by, though am also thinking of getting a blog together. If so I will post the link. Dominick

Hi everyone! My name's Patrick, I'm a 23 year old engineering graduate who's been interested in property since I was a teenager. I have had a bold goal since a young age to build up a property portfolio to give me financial freedom, allowing me to quit my job and provide for my amazing partner and future family. I have been a listener to the property podcast for many years, aswell as reading and researching anything economics or property for the last few years, and now that I have a nice saving pot, I am about to invest in HMOs in the sheffield area. I would love to meet people with a similar story who with I can chat with and network. I'm also a massive property geek so if anybody wants to talk about anything even remotely related to property and wants an outside opinion or just a like minded person to talk topics through please reach out!

Hello, I'm Richard and new to this! For the past 5 years I've been living in South Korea. My family and I have relocated to Sheffield (for my wife's work) and we've just bout a family home! I was hoping for some advice, as I steam through previous podcast episodes, read the backdated magazines I've subscribed to and educate myself, I thought I may as well go the whole hog and post on a forum! I'm please to say, I'm now in a pace where I have crystallised my goal and strategy. It is long term, secure my future, hopefully enjoy a bit of extra cash in my pocket each month along the way - I hope to do this by purchasing properties, flip them and then rent them. I'm looking at more desirable areas in the midlands and the north. The present conundrum and to get me off the mark. I own, outright a 2 bed flat in a desirable Manchester suburb, the flat below has 'come up for sale' (I've asked the owner and he's willing to sell), the asking price is £170k, I'm not sure how good a deal this is, but it seems in line with the current market. I'm a little concerned of the strength of Manchester's market and think I'm a little behind the curve and late to the party. This flat currently rents for £695 gross per month. I think, with an investment of £10k it could be renovated and re-let at £850 gross per month, at least. I would be able to finance this with my own savings and a buy to let interest only mortgage. This would bring, after flipping, a yield of around 6% and a ROI of just under 9%. So, apologises in advance for this outpouring of questions: Does this sound like a good move? Is it wise to buy in the same block (this would be 2/4 flats)? What are the pros and cons of this? Anything I need to consider, like seeking permission of the other owners? Am I too late for Manchester? With it being a desirable, how should this affect my decision? Would I be better off looking elsewhere (in an area less well known to me than this suburb?) It is worth noting, I'll be looking to remortgaged my current flat later this year (hopefully) to buy two more properties - should I start with this 'safe bet' (is it a safe bet, is there such a thing?) in Manchester and then go further a field - Sheffield when I know the area better or Nottingham? Or should I go for those areas now as they may see good growth in 6 months / they'll be cheaper now? Many thanks in advance, I really appreciate any and all comments!

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 £100k city centre to buy and rent out (and indeed same for Sheffield. I’m from Leeds so know it a little better). Think liverpool hits the spot financially for growth and income, Sheffield less so Leeds might be 10/20% too expensive to get decent modern flat. Looking forward to chatting. Matt

Hi Property Hub members Having recently joined Property Hub I wanted to take this opportunity to introduce myself. I live and work in London and have had a keen interest in property and property investments for several years now. So far much of my attention was on purchasing and refurbishing my own home in London. Now that this is done, I would like to take the next step and invest some of my savings and recurring job income into BTL property. In terms of strategy, I am looking for BTL investments with a yield above 5%. That rules out most of Southern England. So I am planning to invest into BTL properties in some of the larger cities in the North. For me the 2 main constraining factors are limited local knowledge and time: While I know the London property market well, that isn't the case for Liverpool, Manchester, Leeds, Sheffield, Sunderland and other places in Northern England. To bridge that gap I am planning work with local people and to establish good working relationships which are win-win for both sides. Time is my other constraint. I am working in a demanding office job in London which keeps me very busy Monday to Friday. That leaves me with around an hour each weekday to spend on property management and investments. On a typical weekend I can spend around 8 hours on it. Hence I am looking for property investments which are largely hands-off and don't require a lot of attention during regular working hours. I could travel to Northern England from time to time, especially for important things such as meeting local business partners to work with and for final viewings. But my plan is to limit the number of trips to 5-10 per year. Here's how I intend to gradually progress on this: First, I am looking to learn more by reading many of the very good postings here on the forum. I will also have a number of specific questions that I hope people in this forum will know the answers to. Then, the next step is to complete my first property investment. For this, I am looking for a project with low complexity and low execution risk to start with. I am happy to accept a lower yield for my first project if this helps to reducing complexity and risk. For example, this could be a room in a purpose-built student block or a single let which doesn't require any meaningful renovation work. In this process I am hoping to learn more and to establish contacts with business partners in the North. Finally, with the acquired knowledge, experience and established business contacts I would like take on more complex projects with the potential of higher yields (or capital appreciation) such as larger renovations or multi lets. Via this forum I hope to exchange thoughts with you and to meet potential business partners in Northern England, for example good and reliable property viewers, property sourcers, property management companies and renovation project managers, to build successful long term business relationships with them. Please don't hesitate to send me a PM if you are working in any of these areas, I'd be interested in hearing from you. Looking forward to discussing with you in this forum. Michael

Hi. I'm a Brit based overseas looking to start my property investment portfolio in Sheffield. (My retirement rescue plan - I'm also enjoying the research process). I'm looking to buy flats or terraced houses at between £135 to £150K to let out to young professionals or possibly students. I should be in a position to purchase 2 or 3 of these in the next 12 months. The investments will need to be hands off as I'm based overseas for the next 3-5 years. I've found Rob Dix's excel spreadsheet very useful - Thanks Rob. My current stumbling block is the viewings. I can't physically view the properties I've shortlisted. Although, it might be possible to buy without viewing I am a little apprehensive about doing so. I don't know anyone who could view them for me using facetime or whatsapp; or simply report back to me. I'd be interested to hear others' experience using third parties to view on their behalf. Has anyone used Upwork, for example? Any advice or tips would be welcome.

Hi there! I currently live in the south of UK but recently I've got a attractive job offer between Sheffield/Doncaster area. I would like to ask you about the areas to avoid and areas to look for when it comes to my own accommodation. Yes, my own, not BTL areas. So could you please give me an advice on: The safest, most convenient, 'good neighborhood' areas/zones to live in Sheffield/Doncaster. The worst, the ugliest, dodgy places to avoid in both of these cities. Where the local authority estate is located and where the 'upper class' reside? Again I mean the place for my own where I could possibly rent a house or buy it myself. I'm not familiar Sheffield/Doncaster topography and It would be a blindly guessing for me. Cheers!

Hello All, I am currently purchasing my first BTL so whilst this process is going on I thought I would look in other areas of the country to invest in. I was wondering if anyone on here has had any experience in purchasing a BTL in Sheffield. I have done a little bit of research myself and possibly the post code S2 fits my criteria. If anyone could give me more info on this area or Sheffield in general it would be much appreciated. I am looking for a 2-3 bed house for about 100-110k. Kind regards, Jay

Hi, I'm 27 and have just given up a career in physiotherapy. In a couple of weeks I will be going back to university to study a Masters in Real Estate. This is a one year course, then after 2 years of working I can sit an exam which if I pass become a chartered surveyor. I realise this drastic change isn't essential but I couldn't face the thought of working as a physio with limited available progression in the long-term. I thought for a little sacrifice (a years hard work and no pay) it will be worth it in the end! I'm hopeful that working around property on a daily basis will not only be more interesting, but helpful in my own property investment. I own my own property (with my husband) but no investment properties yet. We are pro savers but have been happily spending these savings until now - travelling, getting married and buying a house! Hopefully once I get a job as a graduate surveyor we will be able to use all my income to save and put towards properties. We currently have around £15k saved. The plan is to purchase our first buy-to-let property in 2021 (so with a years saving post uni). We would then be able to save for another property after 2 more years. We plan to sit down with an accountant once i'm in a job and work out whether a ltd company is the best route for us or not. In the short-term if anyone needs advice about physio for someone who has had a stroke or a spinal injury then i'm your girl! If you wait a year then I should be able to help with something actually relating to property, i.e. surveying. I'm particularly interested as Crewe and Sheffield as places to invest. I love to read peoples stories about how they started and what they are doing now. If anyone got into property via an alternative route or has any hints/tips about sheffield or crewe then please do let me know Thanks in advance, Helena

Hi, As the title suggests, I am completely new to the property world. However, I recently inherited some money and am considering investing some of it in to property. An initial idea has been to purchase a student house using a buy-to-let mortgage. My short term goal is to gather as much advice and knowledge from you guys on this forum on all things property investment, particularly student buy to lets, and how to get things started. I have been looking into student buy to lets in Sheffield - 4 beds around £250,000. I appreciate that property can be a complicated and challenging investment which is why I want to learn as much as I can before I officially decide whether it is something I have both the time and money to continue with. Thanks so much and I look forward to hearing from you Matt

Hi All, Sorry for the long post. I'm totally new to this and was hoping to gain advice from you all, so any wisdom imparted would be sincerely appreciated. I'm interested in beginning my property investment journey after gaining much confidence from the contents on this wonderful site. I'm from Birmingham but live and work in London. Initially, I was looking for a high yielding B2L property in somewhere like Sheffield or Nottingham, to potentially net between £500 - £1,000 per month cashflow to generate some passive income. As a newbie, I want a hands off approach, interested in modern properties that are immediately ready to rent out; but have recently learned my cousin works on upgrading properties so thats a bonus for some flexibility in regards to potential house flipping. My strategy has now potentially changed as my Mom (currently living in a 3 bed council house in Bham) needs to be rehoused, due to her current area and neighbours being far from the best to say the very least! So in saying this, I now intend to purchase a mortgage for a place for her to stay in Bham (2-3 bed house or 2 bed apartment in city centre) that will see good capital growth in the long run as the plan is for her to live there for the next 10, 20, 30 years plus. So this would be a long term investment. I have around 30K to invest at the moment, and ideally would like for the monthly repayments to be low because she'll be living there alone (would H2B be pertinent here?). I don't intent to make profit off Mom or for her to have to share, but at the same time, I don't want to have to go into my own pocket to top up what she cannot afford as I am already renting in London. I did a mortgage in principle with my bank the other day and they said I could borrow in the region of 280K. My credit is pants at the moment so I'm using the next 9-12 months to increase my chances of getting a 5% mortgage next year although I would really want to buy something in 2019. So I suppose my questions are: Is what I'm pondering ambitious or outside the realm of success with the 30K capital and poor credit rating I have? Outside of transport links, being close to city centre, good schools, shops/supermarkets/parks/having a drive and garden etc, what other key criteria do successful property investors look for, that bring confidence that capital growth is very likely to come down the line? After looking at Rightmove and speaking to local estate agents and viewing properties that fit your criteria for example - what are the differentiators or main drivers that prompt an investor to push the green button and buy? Should I maintain my original plan, and find a 1-2 bed B2L property in a high yielding/high growth area like, Leeds, Liverpool, Nottingham, Manchester, Sheffield and essentially keep saving while banking the £500 - £1,000 per month cashflow - because in a couple of years I'd soon generate another 30K to get her the property in Brum - and in that time I would have gained some equity/growth in the B2L property. I do plan to build a property portfolio so when you have a strategy for acquiring multiple properties; for tax reasons, is it better to purchase them under a limited company rather than as an individual? When people say, test your numbers thoroughly, what exactly does this mean? How can you test that your strategy for a B2L monthly cashflow goal is truly feasible? Would the H2B scheme benefit me in for my circumstances? Many thanks

Hey fellow Hubbers! Looking at some property in Sheffield and came across a development called The Fitzgerald by developers called PBS Group Ltd. The numbers seem to stack up really well and as this is phase 2 of the apartments, I have direct comparables for both rent and purchase prices which is great. It would be off plan with completion around October 2019. The only question I have really is about the developers, I have not heard of them, I have of course done all the normal googling and cannot find anything bad about them. Just wondering if anyone has worked with them or purchased from them before? http://www.pbsgroup.co.uk/ https://thefitzgeraldsheffield.com/ Looking forward to what you think? Many thanks Alex

Hey, fellow Hubbers! Looking at some property in Sheffield and came across a development called The Fitzgerald by developers called Romiga East Ltd. The numbers seem to stack up really well and as this is phase 2 of the apartments, I have direct comparables for both rent and purchase prices which is great. It would be off plan with completion around October 2019. The only question I have really is about the developers, I have not heard of them, I have of course done all the normal googling and cannot find anything bad about them. Just wondering if anyone has worked with them or purchased from them before? https://beta.companieshouse.gov.uk/company/08522483 https://thefitzgeraldsheffield.com/ Looking forward to what you think? Many thanks Alex

Hello, My name is Paul Deehan, I'm 36 and grew up in Sheffield, UK. For the last 12 years, I worked on Private Super Yachts as a Private Chef. I've had the fortune to travel around the world and cook for lots of celebrities, business tycoons and world leaders. In 2010, I read the famous, Rich Dad, Poor Dad book and since then I've been slowly building my property portfolio. Since around this time last year, I was recommended the property podcast by a friend and have to thank both Robs and the team for 1, being awesome and 2, giving great honest value and advice through their work. Before listening to the property podcast, I had 3 BTL's with a passive cashflow of £450 per month. I now have 5 BTL properties, all in Sheffield, with a 70% LTV and passive cash flow of £1400 per month. I'm booked on the 10th of June, Property Summit in London and I am very much looking forward to meeting both Rob's and other investors. My next actions will be, buying my 6th BTL, viewing on Friday and buying from a friend so all being well, I'll buy in the next few month. Thank you for reading my introduction and I'm looking forward to connecting with you on this forum soon. #beyourbest Paul Deehan

Hi All, I am looking to purchase a 4 bed HMO / Student Property in Sheffield or Leeds. I would like to purchase within the next two months, however I am worried that the 2nd – 4th year students would have already found their property for the academic year. Would you suggest purchasing and then renting out to young professionals (sourcing on spareroom etc.) on a short term let basis until June / July 2020 and then move the students in. Thanks,

Hi All, I am currently exploring Sheffield as one of the cities to invest in this year. I would be very much appreciate some guidance on which areas to focus and avoid with any supporting rationale. My strategy is yield (short term) and appreciation (long term). Tenancy - ideally professionals I look forward to your thoughts. Thanks!

Hi, I'm starting to look at a number of different cities to build my property portfolio this year. I've got one in the pipeline in Liverpool and starting to research where next. I like the look of Sheffield and planning a trip up in the spring to have a look round. I live in London and I would love someone who has a bit of local knowledge to provide me with a bit of advise on particular areas to look. I'm concentrating in the city centre and have a budget of £100k. Any advice would be greatly appreciated! Thanks in advance! Laurie

Hi everybody, I thought I’d write this to introduce myself and also to provide me with a little bit of motivation, as I expect this community will be great at holding me accountable for my goals. I’m currently in the middle of a live-in refurbishment with my wife and 2yo daughter. We’ve been hit by some tough times over the past three years since we moved in, so nothing has really gone to plan. I’ve been doing most of the work myself-I’m a civil engineering project manager by day and a DIY dad by day-off/evening/occasional weekend. It’s been hard balancing work, dadding, husbanding and DIYing. To date I’ve rewired the flat (had a sparky connect/test and sign everything off), had the external walls insulated, extended the kitchen units to accommodate a dishwasher that I plumbed in (relationship depended on it), stripped out, insulated, plasterboarded and redecorated my daughter’s bedroom, redecorated the dining room, stripped out and rebuilt a nightmare of a shower room (never doing a bathroom again!), had a wood burner installed and have future plans to extend, through the only way possible, with a purpose built garden office room. Admittedly, we bought the house with a naïve perception of how much work it would take to bring the house to where we wanted it to be, but the learning I’ve experienced on this project has helped me understand my strengths and weaknesses, which I now aim to put in to practise with property investments. Our saving grace with our is that we bought well below market value, so everything we do is adding value. We currently live just south of Edinburgh, so I’m interested in investing in the Lothians and into the Scottish Borders. My family home is in Sheffield so I’m using local knowledge and contacts to explore there and the surrounding areas. I also have my eye on Nottingham, Newcastle and my mum’s home town in the North West. Due to the shock death of my dad in 2018 we have a reasonable sum to invest from his estate, with the view to building a business that will support his (currently) four grandchildren as they grow up. More immediately though I aim to provide an income for my mum so that she can afford to retire to where they always planned to, but without tying up all the inheritance by purchasing with cash. The second benefit of a retirement income for my mum will be the ability to release equity from the family home by refinancing and renting out. It’s currently owned outright by my mum, so seems sensible to leverage it to increase income and allow its value to increase over the next period of growth. My plan is to take a BRR strategy utilising my project management and scope definition skills to provide clear requirements for a builder/contractor. Using this with cash purchases, I aim to be able to buy BMV, add value and then release a 10% ROI back to my mum (who will be the main investor). Where I stand right now is research, spreadsheets, research and more research. I have a goal of purchasing the first property in the first quarter of the year with another to follow in the third. I’m basing this on the minimum 6 month period for refinancing, however with buying in cash and refurbishing I expect this period to be shorter, however need to recruit a mortgage broker to discuss this with first. It’s been great reading about everyone’s journey’s and experiences on here, so will keep this updated with my progress. Please feel free to get in touch with advice, questions, critique of my strategy, or just to say hi. Thanks for reading this far! Dan

Hi everyone, I'm looking to buy my first BTL investment property over the next six months - ideally a one/two bedroom apartment, and I've been looking into purchasing in Liverpool or Sheffield to maximise the potential for capital growth over the next five years. The budget is around £130,000. Yields are important to me but more important is capital growth to allow me to grow my portfolio. Can anyone recommend specific areas within Liverpool and/or Sheffield that are particularly desirable and have a high demand for rentals? Any advice is greatly appreciated!

Hi my name is Paul and I am 26 living in Sheffield. My interest in property started after reading 'Money for nothing and my property for free' about 4 years ago. Since then I have been working on securing a decent reliable income so that I can lend money to buy (previously survived on money made from poker which the banks obviously don't like). It's been a long slow process but I am now a qualified mental health nurse eager to get started. I was recommended the property hub about 5 months ago (weirdly whilst playing poker lol) and have been listening to the podcasts regularly ever since. I am aware that the book that sparked my interest is probably dated but the buy and hold strategy is still the way I want to go. I am basically on this to get advice from knowledgeable people (rather than the usual people who have bought a house and suddenly now experts - or a financial adviser who isn't financially secure himself ) and stay update with the latest strategies people are using. I am not interested in selling or flipping properties any properties that need work doing to them will be done by the professionals. I am currently in the process of buying my first house which is where my first question has come from: Should I go for a 90% mortgage or a 95% mortgage? (Money is not a problem purely strategy) 25 years? or 35 years?. This will be my base for 2-3 years. All advice given to me at this point is.... 'if you can afford go with 90 percent and 25 years' because you pay less in the long run. However my instinct is telling me that because I will never be selling the property (and never paying off the mortgage) and i intend to rent it out within 2-4 years I should be putting down as little as possible to maintain cash flow and reducing the time for me to be able to buy another. Or because this one will be mine to live in would it be better to put a bigger deposit down just for this one? Thanks, Paul

Hi, I was wondering if there was anyone who has invested in the South Yorkshire region who has a good idea of where to invest in properties that are fairly cheap and therefore have a fairly high rental return? I live in Sheffield and just bought my first buy to let in Rotherham without really knowing too much of the areas. I am looking to buy one more property before I move away to Australia in about 5 months time which leads me on to my next question... has anyone got experience of buying properties in England whilst living and working abroad? Could this affect my ability to get mortgages etc.? I will obviously talk to a broker but wondered if there was anyone with experience. thanks in advance

Hello all Can anyone recommend a surveyor/valuer in Sheffield, please? It's for a valuation for a remortgage. I was referred to Connells but apparently they don't cover Sheffield! And I'm looking for something a bit more authoritative than Zoopla... Many thanks

Hello lovely people! This forum has been such a useful find! I've learnt so much scouring through all the posts and I'm so glad to have found the podcast! My partner and I are intending to visit the North and hope that you guys can recommend any sourcing agents/estate agents in the Northern areas such as Glasgow, Hull, Manchester, Leeds, Sheffield, Liverpool, Birmingham & Crewe as we will be investing remotely. Please feel free to comment or email me at sh.propportunity@gmail.com for a chat! Thank you so much! Cheers SH

Hi James Kelly of York here. I am currently looking for bridging finance brokers - preferably in the north but not essential - tradesmen & letting agents in these areas, if you are one or know any please get in touch. I have been religiously following all things Property Hub related for the last 18 months whilst planning my first steps. Began whilst looking to buy my first house with my wife. We have now bought and refurbed our own home and are looking to invest in BTL in Leeds, Sheffield, York, Hull area whilst also doing other flip projects to recycle our initial capital. I work in sales and have been able to use my negotiating and project management skills to complete our refurb on budget and time, I intend to maximise this in future projects. I am of course happy to help in anyway I can in return. Best James