Buy-to-Let Basics | Property Investing For Beginners | Buy-to-Let UK

[@Abelone-Alvilda]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

[@Abelone-Alvilda]

@Elijah-Nikolas That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

[@Abelone-Alvilda]

@Elijah-Nikolas I will give this a look, thanks a bunch for sharing.

[@ac-br1fb]

wish I found your channel earlier. I'm a self employed bricklayer who works most hours god gives us. always had plans in the background for the future now after watching your channel you have gave me a good instinct to act and move forward. Brilliant attitude well done you.

[@CcOo-td8ex]

1 year on what have you done ?

[@rhysbell]

@@CcOo-td8exlove this comment

[@vydehgipillay8513]

great advice! Thank you so much, I am actually just a 23 year old trying to understand the property market in the UK because I would like to settle down here. Your point on the management company is excellent and can't wait for more of your content!

[@KokonatMusic]

Your name looks Indian I’m new here pillay wagwaann

[@marionpetit4360]

Good content thanks . I believe lots of people are yet to understand with it takes to become a successful investor

[@201019able]

God bless you for sharing this information. This has help me a lot as I go into buy to let.

[@whatsyrcardnumba7061]

This is honestly really helpful at making this all digestible when starting out. Thank you

[@ZykeCorse]

Thank you for the tips sam ! Youre the best ! Im bout to invest in uk prop, end of this year ! Love from sg ❤️🇸🇬

[@spaceman6215]

The only reason that i would buy somewhere near me. Is to go and veiw it easier, i might want to go 3 times, and if i have to wait for weekends to go do that. Properties right now at least are flying out of estate agents windows. Plus i know my local estate agents and their mamanegemt teams, so i feel i already have a step up than going somewhere new. I'm not sure if that has an affect on ho you look at buy properyy. Thank you for your continued amazing work.

[@asrarrashid620]

If you put your money in the stock market and you get an 10% return you will not double in 10 years. It's compound interest not normal interest on the base. So you need to do investment X 1.1^10 = 259,37%, so the returns will be higher.

[@margaretkennedy1570]

Thank you Samuel. Looking forward to you coming to Australia to help us. Thank you, thank you. Appreciate your beautiful soul for helping people financially free.

[@terryben4952]

Hi Margaret nice to meet you,hoping we can talk more if you don’t mind.

[@chisha8415]

Really good advice and straight to the point. Thanks

[@lifeoflee14]

Just brought my first buy to let, thanks for tips and advice. Also making a series on my channel about the journey.

[@saffroncrowleyyy7216]

How is it going for you at the moment! I would love to this when I’m done with university.

[@lifeoflee14]

@@saffroncrowleyyy7216 not to bad house is currently on the market for sale. Hoping to take the profit and buy two houses from it.

[@tortellini5604]

Unless I’m mistaken u can take loans to invest in the stock market, with provided your other assets total more or equal to the loan, very useful video though I’ve learnt a lot from you

[@akashsinghparker503]

Everytime you make a video,it’s the information I need.Very helpful👍👍

[@movingaway]

Such a cool video Samuel. I enjoy learning from you.

[@marlocobham7411]

Great Vid although you can definitely lever stocks

[@Husheana]

Hi Samuel, My husband and I are trying to decide whether to sell or rent our current property in order to upsize. The area we live in has a strong rental market; however, since our property is an ex-local authority flat located near shops and a dual carriageway, we would need to use a specialist lender. This means higher interest costs, along with additional expenses associated with owning a second property, such as increased Stamp Duty for our onward purchase. Given the current market conditions and government tax rules in the UK (specifically Section 24), do you think it would be wise to hold onto the property? If we decide to keep it, should we retain it in our personal names or consider transferring it to a limited company? By the way, I love watching your content! You share so much invaluable information. Thank you!

[@11colobos]

Yes, you can leverage stocks, crypto, gold etc.

[@terryben4952]

Hi Andy nice to meet you,hoping we can talk more if you don’t mind.

[@personi001]

I see godness in you Samuel. Trying to lift others around you. After all whats a life worth living if you are of no use to anybody. God bless you.

[@niyiojo5096]

Hi Samuel, I am presently watching your 7 days challenge with Evans and I know I am next on the list. I am in a situation right now and that sor of help will go a long way for me.

[@michealdouglas8206]

Most people are taught that "you only need a good job to become rich". These billionaires are operating on a whole other playbook that many don't even know exists.

[@dancodmobile5050]

Spot on

[@Bigprice0007]

Thanks Sam 💥🏆

[@johnxina2361]

Where are you getting the money for a deposit without a job...

[@eugenechelseafc89]

Yep, and crazy thing is, most multi millionaires and billionaires don't have degrees, something that we're taught at a young age that it is what we need in order to be well off in life. The biggest anomaly is that becoming extremely wealthy and successful in life is something that you can't teach in university.

[@emmanouilachladiotis5272]

​@@johnxina2361 they make it sound like you can start from £0 pound😂😂 But for this you need a money tree to start immediately and not to have to work 100 years to finally get the 10% or 20% the bank wants to finally start😂😂

[@wtfMYRONL]

You can do this in the stockmarket it's called a CDF (contracts for difference) you can leverage x100000 the risk is if it goes the otherway you lose x100000. But you can leverage with stocks and bitcoin

[@tyronedean1812]

Why have I never heard of you. I’ve put myself down for your 1 Day Crash Course. Be aware I have no experience or understanding but will Try my best to get some initial knowledge before the date

[@jamz2218]

Great content as always

[@da_great_mogul]

You can borrow from the bank via a low interest personal loan and invest into the markets. A mid terrace in Norwich will find it hard to appreciate as well as Apple, Amazon, Microsoft etc. Horses for courses for sure but diversification is important and the right advice. Bricks and mortar are great but illiquid.

[@Occido391]

Taking on debt to buy stocks isn't like buying a property. A mid terrace in Norwich produces monthly rent to service the debts. Apple & Amazon could fall a lot in the short term like they have now and leave you stuck with a debt to service out of pocket and assets worth less than you paid for it. Its really risky to loan to buy shares.

[@da_great_mogul]

@@Occido391 I appreciate the insight but the emphasis would be on investing in the markets, not individual stocks/equities. Compare the performance of the US's S&P 500 over the last 10 years with the UK house market over the same period for example. A property of £200,000 might now be worth £300,000. However an investment of £200,000 into the S&P would be worth £570,000! The mortgage rate and personal loan rate will much the same. I do accept that the property would bring in rental income as well as appreciation so let's add £120,000 to the equation for that and you're still £150,000 worse off. On top of that performance, you'd have benefited from a falling Pound too. Perhaps more importantly, you've also been liquid and able to draw down on your stocks at any time without needing to remortgage your house and be stuck for 10 years with little contingency planning as you have little or no liquidity. Leveraging to buy index tracking funds will always work out more effective. People don't as they don't like personal loans and are very uneducated when it comes to money, preferring to take the road others do instead.

[@CallumHowardBusiness]

Thanks for sharing, Samuel!

[@imnezx5013]

Ur not just helping people who invest or sell/buy in real estate I do use ur advices and energy in my field I build computers buy and sell electronics keep teaching us things love u bro

[@alexzandergosling6840]

Eye opener! Thank you, great vid

[@millercrypto2093]

Wouldn’t rely on size of property on an EPC as depending on certain criteria’s the conservatory, loft room, basement and porch May or may not be included in the report.

[@jeddy_bravo]

This content is absolute golddust👊bloody legend

[@Kumariello]

Solid advice mate,cheers

[@tvangilsable]

Thank you for your help.

[@fernwatson]

So helpful Samuel. Thank you

[@beefandboid]

Awesome! Thank you for this

[@EJones-kf2lq]

Samuel , What are your thoughts or experience with purchasing a single buy 2 let unit in Spain to add to a small 🇬🇧 buy 2 let portfolio.

[@councilestatecrypto999]

Very good as always my man, huge fan, however I agree with your comments on leverage, technically there are ways to use your crypto or gold or silver as leverage in the modern age. I use borrowed money and assets for trading with leverage regularly and also for providing liquidity for investments :) Just a thought :) Keep up good work. Looking to get involved more in property over past year and some of your videos have been extremely useful for background information :) lots of love CEC

[@monabayan4337]

So lets say i have a good amount from my previous job enough for a deposit but currently i am unemployed how could i then get a mortgage? Do i have to be full time employed ?

[@mrstheunknown1988]

Hey Samuel you are very inspiring could I buy a buy to let in my company name and rent it to myself?

[@daidavies6210]

i have £400,000 and I’m investigating this as a Business In Wales there are 2 bed houses for as little as £28,000 we are looking to buy around 4 of them and a Commercial property with 3 Flats above for £94,500 , the rental for all properties is around £4500 to £5000 No Mortgage, We will have around £200,000 in the Bank left as backup,We then want to get a £400,000 Mortgage with £50,000 deposit and a repayment over 25 years at £1956 to Buy More Homes is this Viable ?

[@SIFWD1]

Looking forward to the full interview.

[@elcristoph7380]

You can borrow money from the bank to buy stocks.. you just have a higher interest rate. What do you think CFDs and Options are..

[@shadowcrux0]

Sam, your info is wrong 1) 10% annual return for 10 years ≠ 100% growth because of compounding. It would be 1.1^10 which is 2.6 2) You say you can't borrow money to buy stocks/gold/crypto - yes you can it's called margin and it's not uncommon for people to use

[@rebeccaleers766]

How much would you expect the maintenance of a house to cost? Is there a good percentage, or a way to check? Thanks

[@shahinamotin7366]

Slot booked and book ordered👍

[@JoshBrocklehurst]

Great vid cheers mate

[@janetphoung4876]

The wisest thing that should be on everyone's mind currently should be. To invest in different streams of income that doesn't depend on government, especially with the current especially with the current economic crises around the world.

[@lindalily6924]

Working with Romero pieto is the best thing that can happen to a beginner trader who is aspiring to be fruitful out of the market he is trustworthy and straightforward we surely need more men like him in trading world.

[@jasonthomas269]

Good good content.

[@abscottcoleman400]

Yes I'm a living testimony of Romero pieto his platform has also done a great thing for me.

[@katlinmicheal8121]

I've seen so many review about this man called Romero pieto who is he ?

[@andreawilson1568]

Mr Romero pieto trades on my behalf due to my tight schedules and he is indeed absolutely doing great, my last investment of $16,000 he gave me my ROI of $87,000 in a period of two weeks isn't that amazing.

[@thetiesareoffpodcast]

Great video Samuel 🖐

[@pamsimpson3964]

Great video Samuel. I took your advice and am in the process in buying my 3rd BTL in the first year of property investing. Thank you for your inspiration 🥰

[@zuhaib2]

Congrats, Did you use mortgages to buy the houses?

[@pamsimpson3964]

@@zuhaib2 I bought them cash then refinanced them after renovating. This allowed me to pull the money out and recycle it.

[@zuhaib2]

@@pamsimpson3964 that’s great! Must’ve took a while to save up!

[@jaycordt8910]

@@pamsimpson3964 when you say cash do you mean you bought them all out right or just the 25% deposit?

[@pamsimpson3964]

@@jaycordt8910 all bought with cash.

[@markyelwell995]

Actually if u track gold prices over the past 50 years its the best long term investment

[@bigbadchillybear]

Hi Samuel , great channel ,just recently subscribed ,I've always thought of investing in the property market and your channel is very inspiring. Thanks

[@russellpetrie119]

the great thing is with a recession looming more people will look at renting also cheaper house prices to purchase

[@sverma333]

With this particular recession comes higher costs from inflation and borrowing. These offset higher rents and lower house prices. Could easily be a good time to invest if you can lock in borrowing.

[@russellpetrie119]

@@sverma333 just like 89

[@rdmatthews]

Thought you sounded like you were from Bucks! (Same as me) Good video thanks👍

[@SamuelLeeds]

Biggest compliment ever, I’m from Wolverhampton originally but lived here a few years :)

[@comingforya3123]

Do u advise getting a buy to let as a first time buyer?

[@taggthis]

What documents do you need for a buy to let? For example, gas certificate etc?

[@מניפ-ל5ע]

I didn't quite understand and I really want to know how to do it if you could explain it to me more thank you very much

[@Cryptocolt]

How much does it normally cost to eat out of a fixed rate

[@james26695]

You didnt mention the tax you'd pay on the rental income , theres that too right?

[@jimmys8677]

I’m welsh but live in Australia, want to get into the welsh housing market within the next 2 years as I plan to eventually come back to wales. My plan is to buy to let but not sure how I would do this while living in Australia. Any advice?

[@sethldunn]

Any spring events?

[@sverma333]

Are there buy-let websites that show house prices and likely rents so that you can order by roi?

[@LifestyleWithSofiaB]

Nice one Samuel 😊

[@onjonone]

is it better to buy outright or get a mortgage?

[@chamalliyanage]

Super helpful. thanks

[@falahuddindewan3490]

Well said

[@blazing48s]

Can you give us a little more information about the tax implications? I have a mate who owns a lot of properties and he said it’s probably just as effective popping your money in a good ISA these days.

[@JT_Williams]

Do you use one property management company for all houses accross the country?

[@Dr.Sheffield]

Thanks 🙏

[@vladindustries7505]

Is it actually legal to rent out your very first mortgage as a first time buyer?

[@StrykerGamingOfficial]

You have to live in it for at least 2 years before you do that I think

[@akashkhetarpal9651]

Hey Samuel can we have a online course aswell because i live in austria.

[@markesccos]

Castle update ?

[@jesuslovesyou1]

Remain blessed special people

[@Unassigned_m]

Amazing video honestly I wish I could be your apprentice of sumin

[@realkliment]

New here so just asking a question - isn't a 15% ROI high? Won't a 7% still indicate a good return? Thanks

[@sankaadikari7700]

Brilliant!

[@towsinatoryt2646]

What property management company do you use please?

[@herryanil4669]

Interesting, could you make a video on what's more worthwhile and profitable between investing in property vs dividend paying REITS?

[@MandisaKhanyile93]

Please come to South Africa 🇿🇦 I need the property FF challenge

[@MandisaKhanyile93]

Will do 👌

[@claytonproperty8920]

Is it a good time to buy a rental or wait ?

[@NathanStyczewski]

so wait. so i understand. does it work like this. you pretty much save some money for a deposit, morgage a house then rent that house out for more than it costs to morgage the house and let a managment company do all the work for you (if needed) so then your making income without doing pretty much anyhting??

[@adedejiandu6423]

Hi @samuel Leeds Why the survey, independent survey!

[@frankganis3503]

Will you ever come to the US

[@djdad2482]

That was the shortest poem ever! 😂

[@DrAhmadNabeel]

Where can you find a property with a 15% ROI net profit??!

[@LearnEarn247]

hi samuel i am planing to buy investment property in Middlesbrough just need yout advice on using property on airbnb instead of AST, is there a good potential in Middlesbrough for making money through airbnb strategy?

[@gulag8735]

I've been looking at Middlesbrough too. Did you buy?. How much was the property?

[@hdnabdi8302]

Agree

[@charlesroyal5125]

This video is amazing. Thank you so much for this

[@goransvraka3171]

ROI= How much money am i putting in? Deposit Stamp duty Legal fees I.e. $50k VS How much cash am i getting back? The rent - mortgage payments - maintenance - the voids - the management ~ how much profit am I expected to make each month? Annual profit / total (cost I think he means) investment = ROI Never buy unless ROI = 15% per Annum

[@steffenbradbury4209]

I’m looking to invest 20k in a flat that’s 70k it’s a 1 bed which earns £525pcm do you think this would be a good investment ?

[@paulho5673]

find me any property that doubles in value and has a roi of 15%. do you just buy a house and turn them into HMO?

[@flamboyentpromotions3471]

You can have leverage on stocks an crypto

[@lloydhowells2663]

Similar concept to Crypto Staking, using cryptos such as Ethereum and Bitcoin that on average over the last 5 years have increased in value. By staking your holding the asset which should increase over time but you also receive a 6%-8% APY on top of your potential profit from holding the assets!

[@youraiedmeupup6739]

Hi San. I have money to invest but not the time as I keep extremely busy at work. What are my options? It would be nice to have a good team of partners to work with. Please advise

[@khalidsalman1]

Awesome man

[@captainellwood6751]

do you need multiple property management companies if you are buying in different areas?

[@CarOoce]

I think so

[@tracymoo5865]

A house advertised for 260k(not so good area)one or two buyer putting down offer, I make 3 bids, the last one is 275,500,The agent called me once day if I agreed want to paid 285k,it's mine, I didn't play it I accepted the offer right away, after 2 days I call the agent can the price be reduced, the agent rejected and never want to talk to me? Could anyone let some comment for me?

[@remstarsezso4135]

I have 50% leverage accessibility on my Degiro investing account. I'm not sure where you heard you can't leverage stocks mate but that's wrong!! Intact you can buy preleveraged positions in both directions

[@bombastastes3479]

Maybe a silly question , but why not buy the house out right with out the mortgage , is that not better ?

[@sm1805]

Because you’ll use the tennant to pay the mortgage for you + profit and you can use that liquid cash to put a deposit on another property and repeat. This way you houses are getting paid for and you can build a portfolio

[@taggthis]

Hi, I have 60k to pay off on my mortgage for a 1 bed flat but I am planning to buy a house with my partner going halves. Shall I just try to pay off my one first mortgage so it will truly be an asset?

[@gringo.truckin5519]

I want to see you do your financial system here in the US I want to see you help someone be financially free in a week here! That’ll be amazing

[@tonyashfield8536]

Do you do crash courses in Tamworth uk Sad mr Tony Ashfield

[@francisexperience]

electrical certificate???