BUYING A UK PROPERTY WITH A SALARY OF £25,000 |FIRST TIME BUYER | 5% DEPOSIT| UK PROPERTY INVESTMENT

Hey Everyone,
Here is a video of properties across the UK that you can purchase with just an annual salary of £25,000.
Hope it's helpful 😀
Please don't forget to like, comment and subscribe!
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[@bambobamgboye1785]

Thanks for this video girl, shedding light on this area x

[@TripswithDebs]

You're welcome sis. Thanks for watching 😘

[@nathanielhoy96]

I don't understand how this can be considered good financial advice. Feels like an extended estate agent ad. Regarding the houseboats, those are certainly not the only charges. You have to pay council tax if you're permanently moored, boats don't have normal gas and electric facilities so you have to purchase more expensive means of heating and electrifying your boat (coal, wood, diesel, gas bottles) etc. Plus licencing, insurance, regular maintenance and hull sealing. The monthly expenses really add up on a boat! More so than a house. You have to be happy having your poops going into a box under the toilet and emptying it out too. Or having it pumped out. Lovely. Some of these house prices are too good to be true too. 5 bed for 110k? What are the crime rates, is it shared ownership, is it asking for cash only buyers (because if so, there's probably something wrong with it). Regarding the flats, these are often cheaper if the leasehold doesn't have many years left on it. Leaseholds of

[@omikandre8912]

I'd advice working with a mortgage broker for professional advice on how to go about investing in real estate ... just to avoid regrets

[@jovangerard5402]

I don’t think the bubble will pop. To many people renting which is more secure than mortgages. All you have to do is recycle the tenant instead of wasting a 30 year mortgage. Renting might be the only way forward.

[@melyndaulf6199]

I wish people would understand that your house is only worth what someone will pay for it , not what zillow tell you . People have felt rich because of the housing boom , i see a ,mental health crisis coming in the downturn

[@omikandre8912]

Exactly . I was able to accrue $30,000 in raw profit with the help of my investment pundit *Teresa Jensen White* . The truth is , there is ALWAYS a way to make money in this market! While the market has not been set to easy mode recently, there are still NFT to flip, solid coins to a stake, IDOs to ape into, trades to make, and yields to farm. Never stop hustling for those gains!

[@omikandre8912]

I can’t drop her info here, KZbin is a public place . Just do a web lookup using her full name and connect to her official webpage .

[@bartlettmorgan3800]

Good investment plan is what we need and many ignore it. think about it, we do not know how bad this recession will be , what happens when a lot of first home buyers, especially in tech industries, lose their jobs? How long before they cannot afford their mortgage payment? what happens if some jobs don't come back or cannot come back? How many home owners are just getting by month to month

[@roseyk7677]

You haven't factored in the housing crash and how inflated houses, are at the moment. If people are FOMOing in and paying 20k higher than the home is worth, then they are already on a back footing. Then consider the fact the interest rates will rise, and the government being able to change and alter the 'low interest' rules whenever they want under the guise of a 'crisis' ( if they can lock you down, they can change the rules with anything; even fixed term interest rates!!) Then, Gas prices are now rising which means £400 a month is factored in to the cost involved which will cause huge financial stress. Just do the math!! A house worth £120k, is now on the market for £140k (20k over asking price) the market then crashes and the house is worth 90k (50k loss) then interest rates go from 6% to 9% and more!!!!! The property is not only in negative equity, but the mortgage costs still have to be paid off meaning, that the interest will therefore also be applied to the full £140k..... Including the inflated amount (paid over and above the homes worth) yet the home does not have that equity left in it due to the crash..... Crazy to buy now... Wait for the dip then cash in!!!

[@MDPaulo]

This was cool. If your budget is under £150K and happen to read this, my advice is to bide your time - be patient. Barking, Gillingham, and Peterborough etc are not it. As the saying goes, “you get what you pay for.”

[@trashbank6148]

It's cheaper to buy a house and pay off a mortgage in Peterborough or Gillingham than spend £15,000 a year in rent in London. There's some decent overlooked places in outer Birmingham and Manchester that aren't in shit areas (think Cannock / Stafford) If you work remote it's far better to buy there and pay to save up to buy your dream home later than slum it out in a 1 bed in Lewisham or Brixton

[@marigoldbeam5475]

I disagree. A lot of investors have bought in places like Peterborough, it is absolutely infested with HMOs and landlords are growing rich. The house prices have also steadily increased in parts of Peterborough that are termed as desirable such as Hampton, just check on Zoopla. A place like that may be an excellent option from an investment perspective, even if one wouldn't want to live there themself. It certainly beats paying rent indefinitely in overpriced London. I must just add, in the interests of transparency, that I couldn't be paid to live in places like Gravesend and Peterborough. They are soulless, generally deprived areas and the schools are abysmal, just check the league tables.

[@bananagumboot87]

Good vid. The last property in Birtley is next to my town and its actually an OK area. 5 beds for 120k is a steal.

[@TripswithDebs]

Thank you 😊

[@simpleali2715]

Houses almost always sell for 10-20 k more than the listed price after bidding so not very realistic

[@angelachanelhuang1651]

wow properties are nice in uk....how do I buy one?

[@agfagaevart]

Those prices are just estimates really. They would've sold for much more. Do the flats come with maintenance fees? Plus, its nice to have a station nearby, but how much are the fares? Even Luton to London is about £6,000 per annum! And what about future rail strikes?

[@xjay1234]

Now some lenders will multiple your salary by 7 if you're a doctor, lawyer, nurse, teacher or vet.

[@lucy7594]

What a queen 👑 thanks for the information good bless and good luck on your journey 💓

[@TripswithDebs]

Thank you so much ❤️

[@wendychambers2759]

Love this❤️

[@TripswithDebs]

Thank you 💕

[@andysidorczuk4907]

Hi, this is great information thank you. Im mid 40s and I really feel for people getting onto the property ladder now. 30 years ago, Outside of London it used to cost 3 or 4 times annual salary to buy a house, now it's 8 or 9 times annual earnings???!!! If I was starting out I'd either have to move to a cheaper area or buy with a friend ideally. I feel sorry for people starting out now trapped at home or trapped in private rentals. A decade from now my son might be thinking about first houses, I'll do what I can to help with deposits and free accommodation to help him save up.

[@MatthewChapmanYT]

The house I grew up in sold in 2011 for £133K 2021 it sold for £376K 🥲 Sadly I’m 24 so completely priced out, prices became stupid when I joined the work place

[@stevomagnam8814]

25k will get you on the property ladder as in the grant scheme of things 25k isn’t that bad but it’s also not great so it would take a while to pay off your mortgage, obtain equity and interest rates will be through the roof. However this is a good video as it does show people how to get your foot in the door.

[@MrSebastianBlake]

Loved your video. Basically what your saying is that you will need to move up north to get the best value for money. Unless you want to live on a boat 🚤 in london. 😂 The affordability is main issue if you can only borrow 4.5times then most houses in london are out of budget. ( It’s why I moved out of london to leeds)

[@yoe-c5x]

Looool the ladder meme sent me😂

[@ivanontech9156]

The first step to successful investing is figuring out your goals and risk tolerance - either on your own or with the help of a Financial Advisor. If you can get the facts about savings and investing with a well detailed plan, you should be able to gain financial security over the years and enjoy the benefits of managing your income.

[@annabelolarewaju2061]

Yes girl love the insight!!!

[@TripswithDebs]

Thank you sis 😘

[@cbflazaro]

missing the fact that those £100-120k places she linked were probably sold for 150-160 to some landlord after a bidwar.

[@thehungrygoldfish]

Then kill the landlords and take the houses. Problem solved!

[@MatthewChapmanYT]

Rubbish that houses near me go up for £250k and they actually sell for way way over 300k

[@johnramos4715]

London is london but is too expensive to get into the property ladder in the open market , I brought a property in cardiff but sometimes I'm reconsidering to move back to London but I'm not too sure .

[@kbrp5493]

Eyyy civil engineer, mad props to you, great career! Great video

[@TripswithDebs]

Thank you so much 😊

[@rayzorblade5557]

Thanks for the useful information

[@TripswithDebs]

You're welcome. Thanks for watching 😊

[@KellyJoyceTv]

Thanks for sharing

[@TripswithDebs]

Thanks for watching!

[@kingares9768]

Great info

[@TripswithDebs]

Thank you 😊

[@Bluesky0032]

What bank bran did you had ?

[@michael43567]

thanks, this was helpful. Is there a fha loan in the uk?

[@charlesazebeto6278]

Just came accross this video is the 5% still on?

[@nelsonayodeji9721]

Thank you for the video. Pls what's the current price of 3 beds house in Sheffield? Is it possible to pay cash when I want to buy a house?

[@TripswithDebs]

Thank you!! You can check on platforms like rightmove or Zoopla for updated prices of properties in Sheffield. Yes you can be a cash buyer.

[@LifehacksWithVal]

Great vid, keep em coming. Lots of people are unaware that there are some decent fixer-uppers just on the outskirts of London.

[@TripswithDebs]

Thanks luv 💕

[@onlyagreeingsometimes]

What is the pros and cons of buying a one home to live in vs living in public housing, renting via a landlord and buying two houses renting out/living in?

[@TripswithDebs]

I'll try and cover this in a video

[@onlyagreeingsometimes]

@@TripswithDebs please do.

[@finanzferdinand9874]

My advice. Treat this salary as an insult and keep looking around for jobs as buying a house might tie you to that job.

[@summerbreeze1100]

Thank you for the videos, it was great and salary reassurance. Are the properties you referred to on the home ownership? I noticed in the contract that they only allow new build or have I miss understood it?

[@elana604]

U earn 33k and tired of paying £950 in rent alone in London. There has to be a way to buy a home, I'm actually looking at Colchester, a friend of mine bought 10yrs ago there a 3bed house garage dining room under 200k and it's now worth 345k. I been told about the 95% mortgage, anyone done this? I have no savings but refuse to justify paying 950 when I could be paying less per month in my own home.

[@anemoia2661]

£950 rent in London? You must be flat sharing right? No way have you got your own place for under a 1k a month?

[@agfagaevart]

Buying could cost you more short term tho. Don't forget about the fees...

[@elana604]

@@anemoia2661 housing association

[@CarissaGlow]

Great video ♥️

[@TripswithDebs]

Thank you 💕

[@rahulanjaly8679]

I go for this 5 percent scheme no one helped now

[@fidelcastro9065]

You’ve just earned a new subscriber great content.

[@TripswithDebs]

Thank you for subscribing x

[@jpg722]

Can we live in houseboat 😲

[@santhosh3310]

Equity loan is provided as part of the help to buy scheme. These 100k properties don’t seem to be new builds?

[@TripswithDebs]

This video is not based on the help to buy scheme.

[@mswandz6353]

This was really useful. Thank you sis ❤️

[@TripswithDebs]

You're welcome x

[@Al3xmsuk]

You showed us just flats with leasehold,is something like you pay entire life for it and is not yours...just for 99 years contract

[@TripswithDebs]

You can extend the lease although it is a costly process

[@imprsk6729]

Very long lease is the only way one should buy a flat ' my neighbours son bought a 2 bed with 389 year lease 4 years ago...he just sold it for above asking price as the lease is very desirable - this is very important...

[@fatimateresa19]

389 lease wow normally all of the flat leases are 125 or less.

[@imprsk6729]

@@fatimateresa19 a lease can be as short as 40 years or as long as 999... the latter being most almost as good as freehold... the normal long-ish lease is 99 years... my nephew bought a flat with 125 years...

[@fatimateresa19]

@@imprsk6729 I know what a lease is. Normally flats have 125 lease. The longest lease I have seen in a flat was in London. The usual thing is 120 or less. Yes you can extend the lease but if the lease is less than 90/80 years only cash buyers can buy the flat because the bank wont give you a mortgage.Btw Congratulations to your nephew.

[@chantellechronicles4769]

Great video, thank-you!

[@TripswithDebs]

Thank you 😊

[@onlyagreeingsometimes]

With so many new buildings been built is that a good thing for real estate investors looking to buy homes to rent out or would this effect the market?

[@bowches]

Great video thanks. Gives me hope. I hate rent especially with the way landlords behave

[@TripswithDebs]

Thank you 😊

[@3rdtwirl494]

Can you please help with a video on live work property. Like a D 1 use shop with a live in space ?

[@kingofgames526]

Who wants to chill in a boat 🚤

[@TripswithDebs]

Different strokes for different folks

[@MoroMoro1]

I'm not even in the UK and this video was nice to watch.

[@TripswithDebs]

Thanks for watching ☺️

[@amaesin3374]

Thank you so much for this video. What do you think of St Albans - Hertfordshire? Is it a nice place to live and get a property?

[@reffusion4228]

Let’s be honest, you’d be stupid to buy now. We young people need to wait until there’s a crash. INTEREST rates alone for a standard 3 bed are more than bills and rent for a lovely room down south.

[@fabricemasamba9142]

Hi I am planning to buy my first property this year any tips plseasr

[@TripswithDebs]

All the best with your first property purchase. I'd recommend purchasing the home buyers insurance when you're buying a property.

[@kanayojustice2459]

After the Ladder video I figured you’re definitely Nigerian.

[@TripswithDebs]

Haha yes o!! 😂

[@TheMalcolms7]

Great video. I would encourage people to go elsewhere where you will get more bang for your buck. Apartments are good but houses with gardens are better 😅

[@TripswithDebs]

Thank you 😊

[@francescajb3645]

Absolutely!

[@deveshborse7859]

As a student can I buy a house in uk???? If yes can you please tell me how's it possible.

[@MsTaayo]

As a student it might be difficult as you need an income and they need information from your employer if you’re employed.

[@TripswithDebs]

As Tayo mentioned, you need to have consistent income from your employer

[@fraser1237]

30k… life sucks

[@wendermoura4955]

Well done, very educative. Keep up:)

[@TripswithDebs]

Thank you 😃

[@BrickzwithTipz]

Great video! Loads of information for viewers!

[@TripswithDebs]

Thank you 🙏🏾

[@oyinkanannykaolapade3725]

Would you say the same for shared ownership? if the share i want to buy is for example £110k

[@TripswithDebs]

This will be on a share ownership mortgage & the amount you can borrow will depend on your income, mortgage cost, rent, service charges, ground rent etc..

[@imprsk6729]

Shared ownership is a terrible, terrible idea... there are many truthful, damming articles about this...

[@kingfacafe2464]

Hi watching from bbk

[@TripswithDebs]

Thanks for watching!

[@residentsteve]

25,000 still don’t earn enough for that 😂 and at 41 with very little savings I doubt I will ever own my own house 🤷🏻‍♂️.

[@therapeuticnation7158]

@@MrDanielfff777 and?... Whats your point other than rubbing it in to someone earning less....

[@MrDanielfff777]

@@therapeuticnation7158 to go and jugg

[@new25651]

@@MrDanielfff777 when I was 22 I was earning 40k

[@blakaeg]

@@MrDanielfff777 And what is your point?!?! Grow up!

[@Slynell1]

​@@blakaeg get your money up!

[@kingikafia5286]

I'm interested in buying Property in London but I don't live in London: how do I go about that? Thanks

[@TripswithDebs]

If you're not a UK resident, you can buy a property in the UK as an overseas/foreign investor

[@rishteenahqazi7739]

Can a non resident buy it but with the scheme??

[@estateagentinsider6634]

Excellent video Debs! Great perspective from a buyer's point of view.

[@TripswithDebs]

Thank you 😊

[@onlyagreeingsometimes]

Would you recommend to leave your public housing to invest in private ownership and why? Is it wise 🤔 is buying one house to live in and not having a second or third to rent out a good idea, especially when you was living public housing?

[@MatthewChapmanYT]

Public housing : so you currently live in so-called social/council housing?

[@MatthewChapmanYT]

For those who don’t work or who got beat up by their ex

[@onlyagreeingsometimes]

@@MatthewChapmanYT first thing to correct you on, is that I work full time and currently working on a side business... and before you arrogantly state what you think that business to be... let me tell you in the most kindest way that it's none of your business as its not drugs. Any how you have the right to exercise your cyber self-esteem or self-importance. Secondly you didn't even ask my age.. but I'm guessing I'm younger and smarter than you. Especially when you were my age. ROFLM💩O

[@onlyagreeingsometimes]

With all these new building been built, I just wonder if there will be a new housing market 🤔 so many loans that will not be paid off in time etc, and people on waiting lists.. be happy with nothing bad and reset your progress. 🙄

[@iamdare]

can I buy this properties as an immigrant??

[@TripswithDebs]

Yes you can buy a property in the UK as an overseas/foreign investor

[@fairfacttv8175]

25k salary , are u a nurse?

[@maliamalis6389]

Nurses earn more no? But no she works in construction and makes more than x2 of that

[@TripswithDebs]

I'm a civil engineer

[@MatthewChapmanYT]

Starting salary of a nhs nurse is £23.5K

[@Deedeevenice]

Well, I don’t know what some people are spending money on, all my 3 kids have bought their places in London suburbs in the last 8 years and have moved out! The youngest who is 26 moved out last year! But they have been saving since 17! And one didn’t go to university, he chose apprenticeship! It’s been drummed into them by my father in law “to be born poor is NOT your fault, to be put into grave a pauper? That’s solely due to YOU “! And thankfully, they have all heeded that advice! All 3 have second incomes, one specialises in old Morris cars, and sells them after renewing them! One does plastering at weekends and one does “pop up” chef ! It’s all possible if you’re willing to work for it! Nobody is given anything but education and advice!

[@isabelmagellan7309]

You are actually amazing.: giving people information as well as telling them where to buy.. you ve done a lot of the homework for your viewers/ subscribers.. God bless you

[@TripswithDebs]

Thank you 🙏🏾

[@lorrainei1622]

Houses in England are sooo cheap. I live in NYC it’s very expensive here so most people just rent their entire lives.

[@imprsk6729]

Houses in England - England is a large voluntary... London is extremely expensive...

[@lorrainei1622]

@@imprsk6729 not referring to London, I’m referring to other cities in England like Birmingham, Leeds, Manchester etc it’s cheap to buy houses there way cheaper than Nyc.

[@fatimateresa19]

Well because NYC is like London. Both very expensive. But outside of these places US is cheaper than UK because you have more land.

[@lorrainei1622]

@@fatimateresa19 very true

[@Blackfeet]

who's living on a boat? foh 🤣🤣

[@kingsaf90]

This is sick. also thank you for representing the British minority in the investment space. How many properties do you personally have and where have you invested? I used to be an architect working in London so I feel like I can relate to your budgets are you're a civil engineer thanks again

[@TripswithDebs]

Thank you 😊 yes I'm a civil engineer & have invested in properties in London.

[@stevep9221]

25 years of falling interest rates and when they are at zero they switch to quantitive easing as that also controls inflation. When that no longer works 25 years of increasing interest rates. Quantitive easing = Toxic Real Estate Investment Bounds bought from the financial institutions by the central Banks (Bank of England and Fed etc). This gives the financial institutions a massive cash injection so they can lend even more money to more people. Here is the rub. The richer you are or the more of this money you get. Yes zero of this ends up in the poorest 10% of the population The rich get richer and have their troughs filled with cash to plunder. The US are talking about doing another quantitive easing round. Win, win for the richest and lose lose for the poorest. It is a disgrace and it most be stopped. P.S. I lost 30% on my house in 1997. I was a Sgt RM and had to move.

[@Dr.Stacker]

oh WOW the saying goes, when the shoe shine boy is telling you which stock to buy, its time to get out of the market... 2008 all over again

[@yesedd6475]

What?

[@fairfacttv8175]

Meaning? Dat won't stop her from winning tho

[@MatthewChapmanYT]

Agree bud. Rat race atm for those with massive debts let them fight it out to keep their houses they can’t afford

[@top10ko64]

Lmao