Do's and Don'ts of Buy-To-Let Mortgages!

[@timburcham3563]

APG Hi Jamie At 67 i am a bit late to the party but my plan would be to build something for my kids,so they can take it on and build on it. I only have about 30 k cash and a flat thats paid for worth about 140 k plus but I am still running my own business so hopefully things will continue to improve. The content of your channel has inspired me to go for it .Great stuff so informative without pressure sales .I take my hat of to you , You are an inspiration to all those that what to improve themselves.

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@alexjames1146]

I'm going to take notes and do the flow chart. Thanks for the near layout of the points.

[@JamieYork]

Glad it was helpful!

[@joedransfield]

APG. I'm getting a lot of information from your videos Jamie, thank you. Currently saving, limiting outgoings/working harder for first btl. I'm fortunate enough to live in WF14 and looking to invest close to home when I have enough cash and knowledge!

[@JamieYork]

Sounds like a plan!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@pollywells3603]

After starting back to front ...selling land for new builds in South west , then buying high yield btL rentals in North East ( an area I know well ) I can see Phase 2 needs to include some btl mortgages , and I need to spread the Capital growth .....great vids , very clear , and easy to explain to my adult kids !

[@JamieYork]

Glad you got value from it :)

[@dadondada41]

Who else likes Jamie’s videos even before watching it?

[@JamieYork]

Not all heroes wear capes

[@Mrslovetomatoes]

I always do 😁

[@dadondada41]

@@JamieYork You, my friend are one hero in a trillion who sleeps in a cape. Absolute Legend!

[@JamieYork]

😂💪

[@checkingtubeone]

APG - Looking forward to discuss

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@matthewedmondson2713]

Jesus really, you can get a charge against your stock portfolio?! Amazing!! I actually learnt something. This guy is a hero. Question though, how would I go about finding a broker like that?

[@terencebooth]

I am also interested in this answer and would like to know once you have gotten the charge against the stocks using your example of 500k and a 400k charge could I then use the 400k to mortgage some buy to lets? Or would I have to purchase cash and then refinance in order to take advantage of leverage?

[@JamieYork]

I'm asking my guy to see if he's happy for me to share his details :)

[@Andrew6James]

@@JamieYork Any update here? Would be keen to speak with a qualified broker

[@justinroberts9543]

@@JamieYork please could you share?

[@kevanguyatt7100]

where can I find a good honest broker/adviser. Great content in your channel, you really seem to know your stuff.

[@sethzchannel3984]

APG. I love watching your videos! Very informative..

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@rickiallen1649]

Apg, great videos mate keep it up,learning loads watching these

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@philhan6241]

Learn something new in every video.

[@jacksteele2282]

APG- Great video as usual

[@JamieYork]

Thanks Jack, go to www.aspirepropertygroup.co.uk and fill in your details :)

[@Mrslovetomatoes]

So many good videos from you. I tell myself to go back and watch some of them again to make it sink better but I can't keep up. So many videos I haven't seen yet. Which is very exciting. I'll watch them all eventually at some point! Thank you for food for brain and for helping to move along this path Jamie!!! 😁

[@jackbishop6640]

Loving the videos, got a good feeling that you’re going to blow up this year

[@JamieYork]

Cheers Jack! Hopefully!

[@wenxinliu7423]

APG...Many thanks for your advice

[@JamieYork]

My pleasure! Fill in you deets on this link: www.aspirepropertygroup.co.uk and make sure to listen to the second page 😊 Looking forward to doing some business together!

[@MrSpears71]

APG....awesome loving the content, really informative and realist! Very much like to have a chat.

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@Akindgreat]

Many thanks for this

[@joline2730]

Interesting video Jamie. Well thought out 🏡

[@JamieYork]

Glad you think so!

[@khagendrasingaklimbu7910]

APG. I am interested Jamie.

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@MyQuidnunc]

APG - looking to increase property portfolio. Should I buy 1 expensive property or 2 or 3 cheaper ones?? Look forward to hearing from you.

[@JamieYork]

Thanks Max, go to www.aspirepropertygroup.co.uk and fill in your details :)

[@prestonmcgurk4772]

As always great advice and information 👍

[@JamieYork]

Glad you think so!

[@travelontimeltd2448]

Thank you awesome video keep them coming

[@JamieYork]

You're Welcome!

[@olibrown9970]

APG- Jamie so I will be investing in property in a few years (once I raise the funds and have been to uni) I was wondering how you deal with tenants, my parents and friends that have rental properties find that ‘the dishwasher broke’ all too often or other costly things happen. How do you manage this? And how do you pay for these costs and still turn a profit? Cheers chief keep up the great content

[@JamieYork]

Hey Oli, That sounds great! You can never guarantee good tenants however you only hear about the 0.5% bad tenants but if you're property is a decent standard in a decent location then you should get good tenants. We do checks on all tenants :) I keep 10% of the profits available for maintenance

[@will130iyoshi2]

Any comment on buying a tenanted property? Would that usually be a trap for other investor?

[@JamieYork]

I wouldn't have thought so. If it is a long term tenant then that is great. I'd want to know about her history (have they paid every month)

[@Harry_jtb]

APG - Great content! Thanks Jamie :)

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@ryanmaxwell8542]

Hi Jamie, I'm very interested in what you said about leveraging stocks. It's a strategy I've never heard of. Have you done a video with more info on this?

[@JamieYork]

I might do one in the future but right now I'm focusing my video content on property investments.

[@roublesingh]

Hi, we’re in the process of buying our first buy to let property. Shall we clear off all our credit cards balance before the application? We’ve our own home too. It’s just a budget thing, we can clear it once the process gone through.

[@JamieYork]

100% get it cleared. It is bad debt!

[@roublesingh]

Hi Jamie, our mortgage application is accepted and mortgage deed is signed too. We don’t have any other debts but my credit card promotion is running out. Can I make a new credit card application? Our solicitor have received the purchase contract too. Any advice would be helpful. Thanks for replying.

[@Marc-uw4lw]

Hey Jamie, nice video! I wonder if you can answer this for me... Do you think a lender would let a fairly inexperienced (but financially savvy) borrower take out 10 Buy-to-Let mortgages at the same time for 10 new-build properties with a 40% deposit on each of them? Interested to know what you think the likelihood is. I also wonder whether they need to be separate loans or whether there's another vehicle to bundle them together for this type of thing. Thanks!

[@gerardonthemoney1740]

you never know until you try. book an appointment at the bank

[@lesley-annem62]

Tapping the like button now are we? You finished with smashing it! 😁😉

[@JamieYork]

You know it ;)

[@JoseRuiz-gb7ee]

APG - fantastic content as usual Jamie! Loving the channel and the way you explain it. Would be nice to learn and work with you. Thank you

[@JamieYork]

Awesome, thank you! Make sure you go to www.aspirepropertygroup.co.uk and fill in your details!

[@jakegregorio1826]

Learning a lot. I already got a mortgage and planning to do buy-to-let. Im still learning but any chance I can get a mentor? How do I get a good financial broker? Thanks

[@Avdarmaly]

Hi Jamie. How do you deal with agents who push you to use their in-house mortgage brokers? Theoretically they can't, but in reality if you refuse they simply say property isn't available any more and that's it, nothing buyer can do. How to make them pass the offer to seller?

[@drmichaelomakobia4968]

Great video thanks for the valuable information you are putting out.

[@JamieYork]

My pleasure!

[@raimundasvainauskas601]

APG I sow property for 50k I want to buy to let do you think is good investment. Yes with mortgage no cash buyer.

[@JamieYork]

Thanks Raim, go to www.aspirepropertygroup.co.uk and fill in your details :)

[@relaxmeditationmusic6284]

APG look forward to hearing you. I love your videos

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@mohammedbasith6341]

APG-Thanks for the great video 👍

[@JamieYork]

My pleasure Mohammed, visit www.aspirepropertygroup.co.uk and fill in your details and make sure to the the video on the second page :) Looking forward to working with you soon!

[@ugyu83]

Another very informative video. Keep up the good work 🙋🏽‍♂️

[@JamieYork]

Thanks, will do!

[@patamf]

APG From Leeds. Looking for buy to let anywhere in West Yorkshire. Thanks

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@wakal30]

Great vids. Waiting for more.

[@JamieYork]

More to come!

[@neilmatthews7820]

APG....very interested.

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@bardiabaranian8828]

APG - Hi Jamie, I came across your videos very recently and have been learning a lot, thank you! I am from Leeds; my father and I are looking to get into buy to let properties in the area; to work with you or learn from you in any way would be really appreciated. Cheers!

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@noble4300]

Another great video, thanks Jamie.

[@JamieYork]

Glad you enjoyed it

[@alimirzaee7014]

APG Thanks for sharing this video

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@ellissaczak2435]

Another great video! Do you ever source property in the area of Manchester to Liverpool? I'm moving up there to start a new job at the end of the month and want to find a cheap 4-bed house, live in it and rent out the spare rooms.

[@JamieYork]

Yes I do!

[@orbeaoccam7808]

New to your channel and I have to say hats off to you! Explain everything in great detail. I have a question. I own my own home and wanting to buy a buy to let. Now my mother and father are wanting to buy a new property and I’m interested in buying their property that they aren’t currently in. Problem is I don’t have the full deposit for a btl at 25%... so I was thinking to borrow the 25% off my parents, purchase the house at a mega below asking price amount and then refinancing the property after a year and paying the 25% back to my parents. What do you think to this idea?

[@JamieYork]

Thanks bud, really glad you're getting value! That sounds like a great idea. Remember to be patient with it so that you don't find yourself becoming a motivated buyer

[@mikesmith3360]

APG - looking to purchase my first BTL, I look forward to your contact.

[@JamieYork]

Thanks Mike, go to www.aspirepropertygroup.co.uk and fill in your details :)

[@Mr_Sh1tcoin]

Great information as usual!

[@JamieYork]

Glad it was helpful!

[@altheyabvolk1052]

APG. I am planing to buy a property soon and i need your assistance

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@Ururowndoc]

APG. Love ur videos!!! 🥰

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@Nerojan]

Jamie, What would you say is the lowest price property you could refinance?

[@JamieYork]

In a company, usually around £60k value property, in personal name, 50k for BTL

[@tarek5978]

APG... Thanks Jamie

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@terencebooth]

Where can I find a broker for asset charges? Also using your example of 500k in stocks and getting a 400k charge.. Can I then use the 400k cash from the charge to mortgage buy to lets or would I need to buy cash first and then refinance in order to take advantage of using leverage?

[@JamieYork]

I'll ask my guy in Hong Kong if he's happy to have his details shared :)

[@Mr.Mannie-T]

AGP - thank you for all the great videos

[@JamieYork]

Thanks Mannie!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@razibhossain4342]

Hi Jamie, how do I find out about your courses. Please share a link.

[@JamieYork]

Drop me a DM on Instagram, @JamieYorkAspire

[@satyavvduddu7105]

Hi Jamie, Can you suggest any lenders for Air B&B properties please?!

[@bimiuk4051]

APG, I got £50k saving and thinking about investment but never done it and afraid ... :/ i mean, where do I start? Live in South Yorkshire

[@JamieYork]

Well done on getting £50K!! Visit www.aspirepropertygroup.co.uk and fill in your detail and one of my consultants will be able to help you :)

[@odysseasv7138]

Thank you - nice vid

[@JamieYork]

Glad you enjoyed it

[@brendacaycedo8957]

APG please!

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@kamraniqbal4033]

You are the best lots of information

[@JamieYork]

Glad you think so!

[@Koop22]

AGP! Great vids

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@paulujiama]

Apg and I'm also from West Yorkshire 😁

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@justdawn7636]

APG Hi Jamie im from WY would love a chat with you

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@gulshanrattu2079]

How much I should pay the mortgage broker fee because mine charges £4000 and I am stuck on 10 years deal

[@JamieYork]

You paid your mortgage broker £4K????

[@JamieYork]

For a basic BTL broker. I’d expect around £500... the rest they get paid as a proc fee from the lender

[@zafhansraj5509]

AGP Great video Hopefully we can have a chat

[@JamieYork]

Thanks! Go over to www.aspirepropertygroup.co.uk and fill in your details :)

[@rajaibrahim9330]

AGP- great videos

[@JamieYork]

Go to www.aspirepropertygroup.co.uk and fill in your details and make sure to listen to the video on the second page :)

[@sam2745]

APG - fantastic content as usual Jamie! Loving the channel.

[@JamieYork]

Thanks Sam!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@matthewparkes-inspiredkara5283]

My first mortgage went up after one year and I could of lost my house. Verbally the broker promised one thing, though in the paperwork must of said something else😏

[@JamieYork]

Sounds like a dodgy Broker!

[@joline2730]

To Matthew Parkes - never rely on what someone says - READ the contract, that is how the deal is defined and is bound by. Always read it all, and make notes on what you do not understand and ask your solicitor to explain it to you. You must be savy when it comes to money or you can lose a lot.

[@christabeluzezi3134]

Thanks Jamie. I will be responding to your email shortly.

[@JamieYork]

Sounds good!

[@simonmorton7567]

APG interested

[@JamieYork]

Thanks Simon, visit www.aspirepropertygroup.co.uk and fill in your details and make sure to the the video on the second page :) Looking forward to working with you soon!

[@drmichaelomakobia4968]

APG Just been viewing properties in Lancashire and West Yorkshire

[@JamieYork]

Awesome!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@adriantamas9684]

A G P ! Thanks a lot

[@JamieYork]

Thanks Adrian, Go to www.aspirepropertygroup.co.uk and fill in your details and make sure to watch the video on the second page

[@francoisona]

APG..😍

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@francoisona]

@@JamieYork Thanks much appreciated.

[@Bptips]

APG

[@JamieYork]

Thanks for commenting! Go to www.aspirepropertygroup.co.uk and fill in your details and make sure to fill in the form on the next page! Looking forward to possibly working with you!

[@lm7498]

A.P.G

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@avnerbordoley1781]

APG :)

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@rika888-r8h]

Apg

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@bounty09]

APH

[@JamieYork]

Thanks Brian, go to www.aspirepropertygroup.co.uk and fill in your details :)

[@will130iyoshi2]

APGGGGGG

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@shaaddhillon3819]

APG :-)

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@james-konradbryan5156]

APG

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@agnesa1382]

APG :)

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@mayoub6315]

Apg

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@rezamotin7305]

APG

[@JamieYork]

Thanks Reza!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@RajaKhan-go9jt]

Apg

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@craigwhitehead5390]

APG

[@JamieYork]

Thanks Craig!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@joshjarvis4807]

apg

[@JamieYork]

Thanks Josh!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@prestonmcgurk4772]

APG

[@JamieYork]

Thanks Preston!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@jazrana755]

Apg

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@mife011]

APG

[@JamieYork]

Thanks!, visit www.aspirepropertygroup.co.uk and fill in your details and make sure to the the video on the second page :) Looking forward to working with you soon!

[@moisheharris6673]

Apg

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@andyluke7481]

APG

[@JamieYork]

Thanks Andy!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@ts6070]

Apg

[@JamieYork]

Thanks!, visit www.aspirepropertygroup.co.uk and fill in your details and make sure to the the video on the second page :) Looking forward to working with you soon!

[@darynwilson-horn9798]

APG

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@sailusmaphosa7273]

Apg

[@JamieYork]

Thanks Sailus, visit www.aspirepropertygroup.co.uk and fill in your details and make sure to the the video on the second page :) Looking forward to working with you soon!

[@rosssanderson4380]

APG

[@JamieYork]

Thanks Ross!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@bigbis1449]

Apg

[@JamieYork]

Thanks!, visit www.aspirepropertygroup.co.uk and fill in your details and make sure to the the video on the second page :) Looking forward to working with you soon!

[@shilpamaishari6976]

APG

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@footyball8370]

Apg

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@avtarchana5119]

APG

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)

[@sidi.muhammad]

Apg

[@JamieYork]

Thanks! Go to www.aspirepropertygroup.co.uk and fill in your details :)

[@prashanthnellutla2015]

APG

[@JamieYork]

Thanks!, go over to this link www.aspirepropertygroup.co.uk and make sure to fill in the full details (including on the second page)