Buy to Let mortgages in UK for property investment

[@Tunguska_Gamer1908]

This guy is a mentor. No ads during his videos, straight up information shared and he isn't trying you sell anything. Whoever disliked this video clearly wanted a get rich quick scheme. it is ridiculous to consider that 95% LTV back in 2008 time; house priced have probably doubled since the crash and rental income is probably up a good 25%. Granted, interest rate for mortgage was probably higher but people must have made a lot of money who are selling now.

[@TheSajHussain]

Thanks AP

[@MusaddiqAkhtar]

This is a gold mine of information!

[@TheSajHussain]

I'm glad you found it useful.

[@samuelojo835]

Really good video, easily the best beginners guide to property investment I’ve seen yet. Answered pretty much all my questions!! Will be checking more videos!

[@TheSajHussain]

Glad it was helpful! Do subscribe and share the channel with your friends.

[@comeonman7423]

Absolutely golden advice, thanks! Subscribed!

[@faisal_amin]

Great stuff. A very good educator. No drama .. to the point.

[@TheSajHussain]

Thank you.

[@almurabitun]

Fantastic advice Saj. I'm looking to buy my first property buy to let and have a target of 3 years to do it. Would love to pick your brain more in the coming future.

[@TheSajHussain]

Thank you. The best way to do that is join me here on KZbin for live Q&A every Monday at 8:30pm.

[@ASIF-ni4zs]

Very informative video, thank you for spreading your knowledge,

[@TheSajHussain]

Glad it was helpful!

[@271chrissy]

So clear about what to do thanks.

[@skyhighhangover3356]

Assalamu Alaikum Saj! As we are planning to move to Belfast in coming months from China. Also planning to have our own home. So, come to KZbin to learn about buying property there. It's been my first ever experience to watch your video about property buying. It's really helping. I hope I will definitely ask few questions from you after seeing relevant videos. I subscribed you. Thanks for such informative video.

[@TheSajHussain]

Salaam Sajid, I'm glad these videos are helping you on your journey.

[@TheJellyBabyxxxx]

Checking area supply & demand is essential. Too often people buy to let where they want. Then realise they've got to join the long queue for vetted tenants. Then they get squeezed on rent so much that it doesn't cost in.

[@TheSajHussain]

Yes, demand is vey important.

[@designer1737]

Hi, so should you be applying for a mortgage first or finding a suitable property first? Very well explained, thank you!

[@TheSajHussain]

Make sure you are mortgageable first

[@polinadamianova]

Thank you for sharing your knowledge!

[@TheSajHussain]

My pleasure!

[@nickwalters3321]

Great video very easy to understand and broken up brilliantly

[@TheSajHussain]

Thank you Nick. If you are enjoying these videos, then please do share them with your friends.

[@ddevil892]

This is just awesome. All information i was looking for. Thanks. 👌🏻🤝🏻

[@TheSajHussain]

Really appreciate the support Damian, make sure to keep sharing with your friends and family!

[@kelechichigbo1801]

This is amazing info! Thank you

[@TheSajHussain]

You are welcome

[@sshah3324]

Well explained thank you

[@TheSajHussain]

Thank you

[@market-my-press8328]

Great content 👌. Thanks. Mahesh. Ireland

[@TheSajHussain]

Many thanks Mahesh.

[@felipesanchez9201]

Sajid you are an open book.

[@TheSajHussain]

Try to be as honest as I can Felipe 😁

[@yasirzafar1799]

Awesome info

[@TheSajHussain]

Thank you

[@TT-nc3qh]

Good videos these, informative and no bullshit.

[@TheSajHussain]

Thank you

[@paulnite9980]

Hello Saj, this is my first time on your channel,. Great video I must say... very informative 👍

[@TheSajHussain]

Welcome aboard! If you haven’t already, then do subscribe to the channel and enable the notification bell so you don’t miss any of the videos as they are released.

[@paulnite9980]

@@TheSajHussain most definitely. My brother and I are setting up a LTD company and going into property and your videos have the right information we need to get started.

[@carlmcbryde498]

Absolutely fantastic info. Thanks

[@TheSajHussain]

Thank you Carl, if you are enjoying these videos, then please do share them with your friends.

[@mohammedsaghir1502]

Very well explained, Thank you

[@TheSajHussain]

Glad it was helpful!

[@Patriciovaldivieso]

Amazing content, thanks.

[@delphiproductionsmusic]

Great video! Could you do a video (or already have one) on revaluing a single let property as a hmo?

[@TheSajHussain]

Here you go kzbin.info/www/bejne/l6eUfaisq517pc0

[@tamilpride321]

great video as always

[@TheSajHussain]

Thank you Bob

[@ZachGinnOfficial]

It's really informative one.... 👍

[@TheSajHussain]

Thanks a lot 😊

[@brookeparker9615]

So helpful, thank you Saj!

[@TheSajHussain]

Glad to hear the video was useful for you Brooke!

[@MrHackerDude100]

Thanks mate! Subscribed :)

[@TheSajHussain]

Thanks for the sub!

[@Sandman0792]

What are the factors we need to consider if we already have a mortgage on a property that we live in, but want another one to rent out?

[@TheSajHussain]

Your existing mortgage is probably a residential as it’s your home. The next one will be a Buy To Let and will have different criteria.

[@Sandman0792]

@@TheSajHussain I think what I was trying to ask was, whether the residential mortgage would have any effect on/cause issues for taking out a 2nd mortgage via buy to let? Thanks for response!

[@smirka7]

Thank you for the info!

[@TheSajHussain]

You are most welcome 👍🏼

[@Albert-PhotonChem]

Suppose you have a residential mortgage. If you move to another city one year after getting the mortgage. Are you allow to rent your house? Thanks for your videos! Great job!

[@TheSajHussain]

You need to get 'consent to let' from your mortgage provider.

[@candytsang9971]

Thanks for the informative video! What’s your advice on whether to get an interest-only BTL mortgage or one with repayments to better shield us from property crisis that’s gonna happen at some point in time?

[@TheSajHussain]

This video will help. kzbin.info/www/bejne/poPce4GdasmlhM0

[@melissayeadon9566]

Great content Saj 👏🏽👏🏽👏🏽

[@TheSajHussain]

Thanks Melissa. I hope you and the family are keeping well.

[@melissayeadon9566]

@@TheSajHussain all good thank you. Hope you and your family are too.

[@TheSajHussain]

@@melissayeadon9566 yes thank you. We should catch up soon.

[@melissayeadon9566]

@@TheSajHussain would love to. Let me know when is good for you.

[@sandeepjuneja5716]

Is there a video on mortgages as a limited company?

[@TheSajHussain]

Hi Sandeep, no this video covers it.

[@annesleyrademeyer623]

Good day Saj, I finally got my first investment property that I am managing a few cities away, its my mom's house. My question is, the tenants work Mondays to Fridays, they're only home on weekends, how do I approach the fact that I want to add 2 additional units in the back yard which will be attached to the main house, while the contractors only work Mondays to Fridays as well?

[@TheSajHussain]

Firstly, have an open conversation with them. If they need a bit more encouraging then incentivise them e.g. a rent discount.

[@Logan-limitless]

As always, great advice from a great teacher, thanks Saj, much appreciated

[@sjknight7582]

👏🏻 fantastic video that cleared up one of my queries so thank you 🤗. I do however have another if I may... I purchased my flat in Birmingham under the RTB in 2018 meaning it is still in the 5 year period with the council. Unfortunately I couldn’t get the resi mortgage & the RTB to match up (one would always expire before the other was ready) so I had to purchase with cash as I was concerned the government were going to pull the RTB plug & I didn’t want to lose it. I’ve moved out to my partners & we’re renting here as it’s so expensive to buy & I’ve refurbed the flat in Brum & it’s now tenanted....brilliant..but..I know I can’t get a BTL remortgage on it until the 5 years have passed but I’d like to pull the 50-60k equity I have trapped. What’s the solution please? I have no savings as everything is tied up in that flat. Possible bridging? Would I be able to use the flat as a second charge? Thanks very much 🤗

[@TheSajHussain]

Hi Sarah, probably best to sit down with a good independent mortgage broker. They may be able to find you a finance product.

[@sjknight7582]

@@TheSajHussain Hi Saj, many thanks for coming back to me with that advice, I shall look into it. Thanks again 🤗

[@sandeepjuneja5716]

Amazing content, brilliant!

[@TheSajHussain]

Really appreciate the support Sandeep!

[@buney]

Can I utilise a buy to let using cash only and not have use a mortgage Saj?

[@viyank6644]

Hey Saj! Thanks for the content, can we have a residential mortgage and live in the property along with renting it out

[@TheSajHussain]

You will probably need to get permission from your mortgage provider.

[@viyank6644]

@@TheSajHussain thanks Saj, how to get away with tax on rental income legally

[@lijo055]

How can I find a good builder for renovation of my property

[@TheSajHussain]

Here you go kzbin.info/www/bejne/g5vOdoaog5qSr8k

[@keithstewart511]

very helpful with lots of info. Nice pace, easy to follow and helpful. Do you know of any morgage companies that are good for remortgaging ex local authority properties. I own 2 outright and want to raise cash to buy more? Thanks. Keith

[@TheSajHussain]

Keith I can refer you to one of our brokers. To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/

[@keithstewart511]

@@TheSajHussain thanks - just sent you a contact form. appreciated.

[@Spacer-l3j]

Nice. Hopefully we can see you in the office in the future for business purposes. This is gold mine for me. I own 2 assets, 2 plots of land with river frontage and i wonder if that will help me as a security. Thank you Saj

[@TheSajHussain]

Hopefully we can start meeting again soon, if you haven’t already, then do subscribe to the channel and enable the notification bell so you don’t miss any of the videos as they are released.

[@MeMe-wz5hv]

Very informative. Great content.

[@TheSajHussain]

Glad it was helpful! If you are enjoying these videos, then please do share them with your friends.

[@nathancohen3078]

Hi thanks for the video very useful quick question if I'm 19 y o how do you think I can break into this market with nearly no capital

[@TheSajHussain]

Hi Cohen, I would say a great way to get into the property market with no capital is deal sourcing. Here is a video which can help you on that: kzbin.info/www/bejne/gYfNfZKIhrSmnJI

[@nathancohen3078]

@@TheSajHussain tx

[@muhammadrahman5143]

Hi saj, quick question I have 5 years fixed mortgage if I wanted to remortgage my lease hold flat do I have to wait till it's over and secondly what is the minimum income requirement lastly what is the maximum money I can take out on remortgage. Thank you in advance

[@TheSajHussain]

Salaam Muhammad, you can change your mortgage anytime but you will need pay the early repayment charge whilst you are in the 5 year fixed period. Income requirement varies from lender to lender. Important thing to do is to talk to a independent mortgage advisor. You can message me on Facebook if you'd like me to connect you with someone, @TheSajHussain

[@supercarjude7201]

Amazing.

[@TheSajHussain]

Thank you!

[@supercarjude7201]

@@TheSajHussain I'm currently 15 trying to work out plans for potentially a future career in property, any advice or things to do in particular? If I get an apprenticeship I should have £25,000 saved by 17 and six months old. what would you advise I do with that money at that age on the basis I could probably get my mother to host a mortgage. thanks, jude

[@thomascaptain1110]

Very helpful video. Do you have to have a primary residence already in order to get a buy to let?

[@TheSajHussain]

It's not necessary but makes it easier.

[@antoniopalmiero6761]

I have money to do down payments but i have a minimum wage income wit h 0 hours contract there is any possibility to have this kind of mortgage?

[@TheSajHussain]

Buy To Let's are primarily based on the property you are buying and not your income. A good mortgage broker should be able to guide you.

[@Ali-cx3mm]

Love your videos! 😁😁

[@TheSajHussain]

Thank you Faiaz. I appreciate your support.

[@francissaunders4050]

Hi Saj, love your channel. Could you please share a couple of sources with me please. A good mortgage broker and an accountant who is savvy with B2L company setups for the purposes of future taxation, i.e. A and B shares, etc. This would be really, really helpful and I'll be sure to mention you to all parties concerned. Thanks

[@TheSajHussain]

To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/ We will then look at your needs and connect you with the person we think can best help you with your situation.

[@iullyy86]

Hi Saj.Is it possible to pay some bills with credit card for few months to be able to raise money on current account for btl deposit ? How the lenders look at this if manage to stay below 30 percent on credit card usage.Thank you

[@TheSajHussain]

Hi Lulian, I dont think that is possible.

[@iullyy86]

@@TheSajHussain Thank you for reply.Really appreciate

[@iullyy86]

@@TheSajHussain Thank you Saj. Really appreciate.Kind regards

[@dre7sus]

Thank you 💯

[@TheSajHussain]

You're welcome! If you are enjoying these videos, then please do share them with your friends.

[@jamesgrant3812]

Could you recommend any brokers or sociliters for a standard btl mortgage

[@TheSajHussain]

James, message me on FB or Insta and I'll connect you.

[@nickwalters3321]

I work in Norway and get paid in Norwegian krone can I still get buy to let deals in the UK? I'm British and a resident. I pay Norwegian tax tho not UK?

[@TheSajHussain]

Best to discuss this with a mortgage broker. If you need a recommendation message me on FB or Insta @TheSajHussain

[@nickwalters3321]

@@TheSajHussain thank you for your reply. I'm not on fb or insta ill message you on LinkedIn

[@talootarabi7352]

Fantastic video. Very useful. Could you recommend a broker for a buy to let please. I do watch all you videos.

[@TheSajHussain]

Connect with me on Facebook or Instagram.

[@umarkhan1027]

I have bought property buy to let mortgage. I am doing full renovation can I sell it without paying any penalties

[@TheSajHussain]

Those are the "expenses" you need to keep in mind when doing your due diligence and seeing if the figures will work on the project.

[@harveymyers8306]

Hi Saj you haven’t got an IB agreement have you?

[@TheSajHussain]

Sorry Harvey, I don't know what you mean.

[@sas.nimastig8118]

@sajhussain What a great video, Saj. Can you please advise a/some good mortgage brokers? for residential and BTL purposes I live in London and starting to begin my property journey but want to start from smaller cities. That would be hugely appreciated.

[@TheSajHussain]

Nima to access my contacts, use this link www.sajhussain.com/access-sajs-contacts/ We will then look at your needs and connect you with the person we think can best help you with your situation.

[@lisa8606]

Hi Saj Can you please suggest some good brokers? Many thanks 😊

[@TheSajHussain]

Send my team a message on Instagram, they'll recommend you someone. @thesajhussain

[@serdaragirbas7487]

Soo if i were to buy a property Cash, can i re-mortgage and would the payout be for the full amount of the Property Value? Great Vid by they way 👍

[@TheSajHussain]

Yes you should be able to. This video will give you more detail - kzbin.info/www/bejne/q6CqiWiMmbyhjJI

[@abuahmed4226]

Hi say, could you recommend me a experienced accountant who deals with properties.

[@TheSajHussain]

Abu message me on FB or Insta.

[@farcoder]

Hi Saj, can recommend a good broker for a commercial HMO mortgage?

[@TheSajHussain]

Speak to Joe Lane facebook.com/joseph.lane.921

[@Kamil-sn3ih]

Great channel. Subscribed already. Wast amount on knowledge. You should be giving talks for students. Btw .. it should be mandatory

[@TheSajHussain]

Thank you Kamil for your kind words.

[@ammarhassad273]

Is Buy to Let investing halal? and does the islamic banks have all the mortgages that normal banks offer such as re mortgage, buy to let..

[@avtarchana5119]

Hello Saj, please do recommend me a broker. Thank you.

[@TheSajHussain]

To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/

[@london66ify]

Thank you for all the information. If someone is a tenant ( renting where they living ) , can they get a buy to let mortgage ? ( though LTD company) And also, what is the minimum mortgage for a buy to let mortgage though a LTD company? Thank you so much for all your videos, been watching your videos and they are amazing.

[@TheSajHussain]

Sabeer, it would be possible but not easy. Best to speak to a good independent, whole of market, mortgage broker.

[@london66ify]

@@TheSajHussain Hi Saj, Thank you for your reply. Do you know or can you recommend a good mortgage broker? Once again, many thanks for all your videos. Really appreciate all your information and videos.

[@its_nicha9656]

Hi thank you for this video Are deposits on buy to let mortgages more than a typical mortgage or would a 10% deposit be accepted for a buy to let ?

[@TheSajHussain]

Thanks for support, this all depends on the bank you go with.

[@spellczech8591]

Great content.. Bit of a q.. I bought at height of property boom for 150k up north. Living in the property and still have half to repay. What are my options in terms of releasing some capital if any. The property hasn't increased in value tho ☹️

[@TheSajHussain]

Hi Spell, I would speak to a good mortgage broker and see if they can find you alternative mortgage products that may help you achieve what you want. A key consideration will be the current level of equity in the property.

[@amreenakhtar2750]

Can I have details of a broker please?

[@sajidgilani1386]

Hi Saj, thanks for all the information ... am trying to start from scratch and hoping to start as a ltd company . will the mortgage be termed as commercial mortgage ? are they as easily available as the new company would not have any history apart from the seed money we put in as directors loan ..... also am assuming in this video u mentioned u would prefer to fo for 20-25 years term but will be remortgaging every 2-3 yrs to pull out more equity etc coz after fixed period rates would up

[@TheSajHussain]

Buy to Let mortgages in limited companies are much more common these days. A good mortgage broker should be able to help you with this. You will probably find this video helpful - kzbin.info/www/bejne/q6CqiWiMmbyhjJI

[@sajidgilani1386]

thx a lot.... its so weird am almost 40 and just like u mentioned u had to wind up your IT for some reason at around 40 i am in similar scenario :-) hope my next 15 goes in learning and growing like yours :-)

[@sshah3324]

I am renting property I don’t own any property can I get buy to let mortgage my income 16000 a year

[@abednaboulsi3557]

I much appreciate the golden knowledge you give us for FREE, Kindly asking if you can help me with a good mortgage advisor. Best regards. Abdul

[@TheSajHussain]

Abed, to access my contacts, use this link www.sajhussain.com/access-sajs-contacts/

[@asifgoldmine228]

tenk kuu come agen

[@TheSajHussain]

Thank you Asif.

[@parvinaaaaa]

I’m very new to this why would your remortgage a property if you already own it?

[@TheSajHussain]

It's to borrow money against it to buy more property.

[@huiputka1]

Saj, water your plants mate 😆

[@TheSajHussain]

Lol, I know

[@quister53]

Are you not bothered about riba? Was hoping to find investment tips without mortgages

[@TheSajHussain]

Salaam Tee, I absolutely am and have some Sharia compliant strategies that we use. However, although the UK is probably the most advanced country in the West when it comes to Islamic Finance we are still very limited to the options available when it comes to property investing. If an enough people want it I'm happy to do a video on Sharia compliant strategies for making money from property. I'd also suggest checking out @IslamicFinanceGuru

[@gamergame9023]

@@TheSajHussain please do uncle!

[@abdihussein4872]

Saj please do Sharia Complaince video as I am intrigued to know how is it possible... Thanks

[@gamergame9023]

@Monica Murray it’s called respect

[@gamergame9023]

@Monica Murray you’re getting rude off KZbin comments allow it AUNTY 😂

[@zpetro7215]

Great video .I'm looking for a mortgage broker if you could help me..thank you

[@TheSajHussain]

To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/

[@husseinahmed4913]

Hi Saj , i like your content. please could you pass me your mortgage broker details. i want to remortgage and buy a new property buy to let.

[@TheSajHussain]

To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/

[@nickross4307]

HOMES SHOULD SHOULD BE HOMES FOR PEOPLE TO LIVE IN NOT FOR BANKING AND INVESTMENT REASONS.... THE BANKS ARE TO BLAME FOR THE PRESENT CRISIS....

[@TheSajHussain]

What landlords do is create homes for people that the government is failing to provide.

[@sevimyilmaz1899]

Why is keep changing camera on your face. Quite annoying,

[@TheSajHussain]

Camera person experimenting