My Property Journey... so far.

Today I'm talking about how I got into property and my journey so far.
Thank you for watching. I would greatly appreciate a thumbs up if you enjoyed it and don't forget to subscribe for plenty more videos to come.

[@watchthis7620]

We need an update Matt. Have you suffered with interest rates rises? Have your properties dropped in value? Are your tenants struggling to pay their rent? Are you thinking of selling any/all of your portfolio? Hopefully all is well, but an update is always appreciated. Thanks.

[@jonah3236]

Watched every video of your property and was waiting for a new one Mat.

[@highpeakproperty]

Thanks! I appreciate it

[@smithierkan7005]

​@@highpeakpropertyplease share more frequently ❤

[@patdwyer6274]

You're a proper grafter Matt. Love watching your story. Well done and continued good luck.

[@highpeakproperty]

Thanks 👍

[@janetagbugblah8127]

​@@highpeakproperty where did you go

[@cristoff3]

Would be good if you mentioned whether the flat is freehold / leasehold and what it entails etc. Would also be be great if you could discuss energy ratings and if / how you improved them

[@alik4325]

yes we need more info!

[@stevebeever2442]

Very important seen as the government are screwing over landlords with net zero targets. All rental properties need to have a minimum rating of C by 2028 or face not been able to rent & a 30k fine. It won't stop there either that screw will keep tightening

[@andreidan92]

I'm really curious as to what's going to happen to the garages you've recently bought . In my eyes they are by far the most interesting project so far , really tuned in for that !

[@SuperFredc]

Yes I totally agree.

[@patrickbateman9197]

I think HPA is going to build a multi storey car park on that plot. Each of the 200 car parking spaces will have 75kWh charging points.

[@davidorama6690]

Your honesty, ethics and candid videos are a credit to you and your upbringing. The ethical landlord/used car dealer. Who’d have thought either existed.

[@clivet3252]

He's asking 10 grand for an old Golf, you sychophantic fool. What makes you think he's so wonderful? Because you watch his own personal PR videos?

[@hassanamir387]

I mean there’s literally thousands of them, it’s just you tend to hear about the horror cases more often

[@seanharvey7918]

@@hassanamir387 What do you mean horror cases? Honestly just asking...

[@hassanamir387]

@@seanharvey7918 by horror cases I mean people tend to speak more about the bad experiences they’ve had with landlords/used car dealers, hence some people think that there’s only bad landlords/dealers. I was making the point that there’s thousands of good ones, it’s just that people tend to write and publicise about the bad

[@Macca5]

Funny how your old mate turned up now you’ve got a few quid . Good luck mate 🙏🤞🏼

[@vinimaguire8109]

Well done mate..I just wish I was 30 years younger and I could act on some of your great advice and example..You deserve everything you got through hard work ..!!

[@FrankSerpico29]

Enjoy your property videos as much as the car ones. Keep it up!

[@highpeakproperty]

Thanks, will do!

[@guyadamjones]

​@@highpeakproperty looking forward to the next video!

[@jamesh2515]

Well done Matt.. watching your journey over the last few years has certainly been therapy especially through “LockDown”.. Kudos to you for chipping away at it everyday.. that’s what it takes.. only advice for what its worth is keeping control.. Look forward to the coming instalments .. viewer from Singapore.

[@highpeakproperty]

Thanks!

[@richardgill9484]

Listening to your story and seeing your success is very encouraging and quite the antidote to the doom and gloom mongers who’ve invaded every aspect of our lives. I’ve followed both your channels for some time and really appreciate the common sense approach you have👍🏻

[@highpeakproperty]

Thanks! I appreciate it

[@timrains5011]

A very interesting and informative film; shared wisdom is gold for many people. Brilliant to have family mucking in. You're certainly on your way. Auctions used to be the place for add value propties. Nice!

[@contactjd]

You almost make it sound too easy Matt! Hope you fixed any mortgages for a good while with rates going up! Perhaps do a more detailed video on how the numbers stack up, rents versus income, limited company structure, taxes, etc.

[@originalchill]

Well it’s clear to see you and your family are not frightened of a ‘bit’ of hard graft Matt! I’ve been watching both your channels since the beginning and thoroughly enjoyed them. But correct me if I’m wrong but I’m guessing you need a good long holiday. (as long as you leave us enough content before you go) all work and no play and all that 😂 great content as usual 👏🏻👍🏻

[@leemartin1959]

Hi Matt. It’s been 6 months since an update. It would be interesting to know how the interest rates movement has affected you as a landlord. Are your plans different? Are your tenants still ok or have they been affected by their personal circumstances? Is being a landlord now more stressful?

[@theoh7389]

So far every video on this channel has inspired me and encouraged me to actually try and finish projects (there is some adhd for you) Nice video Matt!

[@highpeakproperty]

Thanks! Go for it

[@jameshamilton533]

A great video, and an interesting journey you've been on. A classic example of someone who wants it, dismisses all the BS excuses, and just goes for it. All the best and well done!!

[@highpeakproperty]

Thank you. I think with anything you’ve just got to go for it

[@Rizwans-Travel-Vlogs]

Well done Matt. The hard work pays of . Keep it up . I am in a similar boat . I am a property invester abroad . I look for a good ROI . That's the way to go if you can afford it. Banks pay a pittance where you can earn really well from property. Good luck to anyone who dips there toes into property.

[@highpeakproperty]

Thanks for watching. All the best

[@edc1569]

Fascinated to understand how you are managing these interest rate changes

[@Holdeenio]

I think you and I have a similar process when it comes to property and cars 😂 great job and entertaining as ever 👍🏼

[@highpeakproperty]

Thanks 👍

[@andersnielsen6044]

Hehe I have to be one on the same team. :D Been like that since i was a kid back in the 80's.. I am 45 today :D

[@alphaios7763]

Amazing history! I’m kinda struggling working a 9 to 5, it’s really not enjoyable. I want to start doing something like you with cars or houses, but I’m too scared to get started, dealing with people feels like it would be the hardest part

[@jameshogg601]

You'll just work 8-10 instead

[@highpeakproperty]

There are lots of struggles but i think you’ve just got to go for it

[@rexmundi273]

Just start

[@EdithWeston]

Just go for it ... chase your dreams, head down and focus on being better every day. YOU WILL SUCEED.

[@jameshamilton533]

"but I’m too scared to get started". Now imagine you are 80 and on your deathbed....

[@politicaltheory9336]

love watching your videos, strangely relaxing 🤣

[@highpeakproperty]

😊 thank you

[@JustinWilkins]

Very interesting watch! Great video

[@highpeakproperty]

Thanks pal

[@toniadamlifestylewithoutli7338]

Loved watching this video, very informative and clear.

[@anarchodandyist]

You are a grafter Matt and work hard. It is paying off.

[@adcatman]

Not much of a comment BUT...I think the reason I follow and keep coming back is because I respect your morals and will to succeed. Well done that man!

[@olegregersen1024]

What a journey You are on. Thank You for sharing.

[@highpeakproperty]

Thanks for watching!

[@paulcoates3860]

Love your car vids , didnt know ur into prooerty too, just found you, lol, love the format you use in reviewing cars and its great in property, regarding deposits, Now refinance 75% equity of of the few youve got, (liquidity), b4 they drop, n wait for crash, then buy another 4 , good luck, love channel👍😎

[@maclagor]

It sounds like having a Dad and family who would do all the graft has been essential. Do you think you would have been able to do all this if you had to hire tradespeople or do it yourself instead? Looks like its been the critical non-financial component in every property.

[@danecowan678]

Yeah I get exactly what you mean with not taking a wage. I do exactly the same and I’m glad to hear I’m not insane 😂 Nothing wrong with taking a bit of a step back for a few months, the magazines and influencers etc all tell us to work every day of your life but what they fail to tell you is you can burn out, you can grow too fast. The most important thing is to stay focused. There’s a local company here in NI selling cakes and buns etc, within 3 years they have opened over 10 different premises and I cant help but think that’s a huge amount of risk for a new, young and unproven business to take on. I would have worked on 5 or 6 and made them as good/efficient as possible - spread the bets wisely rather than spread them all over the place

[@highpeakproperty]

Yeah thats very true. You need to find a balance which is easier said than done.

[@mrb5606]

I've spent the past 20 years as a landlord and flipping houses. I've made a fair few quid. But it's a tough market now to make money in.

[@radioactivepotato2068]

You look remarkably similar to the bloke who convinced me buy a 640d 9 months ago. Car ain't skipped a beat. 🤜🤛

[@nigelharris1623]

I agree with you. I do to houses what you do to cars - overspend. I’ve just done a renovation for a rental. Absolutely everything done from top to bottom - £20k out of my pocket. A couple of minor issues at the end, but sorted those too. Do it once, do it right. You’ll get good tenants, who will be happy to pay top dollar for a nice home and it’ll all work out. You’ll provide nice people with a nice home for maybe a 10% return (up north). Everyone ‘s a winner and nothing wrong with that.

[@highpeakproperty]

Well said!

[@thenullco]

Brilliant. Love seeing the production value of this channel going up and up.

[@900daysandcounting5]

I used to do work for a motor trader, he told me that he never made real money from the cars but they enabled him to do the houses. Keep up the good work 😊

[@Rabscuttle3]

Sound thinking, Matt - and I agree with your continuing theme of doing a bit extra - hence your quick lets and hopefully, more appreciative tenants...

[@markb5651]

Matt your a very interesting person ...u never been afraid of HARD work so I guess the property back ground help from mum/dad..got u ready , hungry for the property game lol , very true and genuine spin on your journey so far ...so hopefully from 2018 to date its heading UPWARDS ..never settle for second best/always live that dream and don't just dream it .. sounds like you saved £35k re deposits .. family sound so helped you along the way..... hard work seems to be paying off for you along with your car sales original business 💯% true video and content .. onwards / up ... never look back Mat 👌✌🦾.. stress beats normal life .. during your last 5 years .. maybe you could do a car one like this & video on your other businesses to get you to where u are now .. cheers Mat

[@-.-smile]

Underrated channel. Appreciate the transparency. 👍🏽

[@highpeakproperty]

I appreciate that!

[@whitemoor66]

Interesting stuff! With regards to what else you could do, how about High Peak Classics!? Buy barn find classic vehicles, restore and sell? I can see a Range Rover classic being restored now!

[@highpeakproperty]

Interesting

[@jackiehoward6001]

Love watching your videos, your'e doing really well, you should be very proud x

[@highpeakproperty]

Thank you so much!!

[@ronaldhagendorens5657]

Love watching your life!!A man with a vision!!!!Go on like you re doing

[@Macca5]

Hi Matt, the nice thing is that you can take a dividend which is tax free ! You are a smart guy ! That’s why I would be happy to invest with you !! Just let me know 👍🏼

[@rossmerriman9565]

Love the intro logo it's really well done.

[@highpeakproperty]

Glad you like it

[@nintendokings]

Subbed to this channel too! Q: do you buy your BTL homes under a limited company? And do you buy them as interest-only or pay it off?

[@EdithWeston]

There's one thing for sure, we cannot build or grow any more land! Property or housing will always be in demand and there will always be a housing shortage. Never cut corners, Always over deliver - be it for a rental or for resale. Listen to this episode a couple of times, Matt gives out lots of little ´excellent gems´. I´ve been in property for over 25 years, it's a great journey.

[@highpeakproperty]

Thanks for watching

[@VWT6_edition30]

Very inspirational 👏🏻 I’ve often thought of doing something similar except I’m broke 😏😆

[@solomondiesel6817]

Brilliant Content mate. Before this video I presumed you has been in the property game for much longer with the size of your portfolio. Inspirational content and keep up the good work!

[@highpeakproperty]

Thanks!

[@picklesrule69]

I love the property videos as much as the cars, both are my hobbies as well. Well done mate

[@highpeakproperty]

Thanks 👍

[@nickdavis8467]

Hi Matt, nice video and nice to learn abit more about you, thanks for sharing, all the very best to you from Nick the Lexus guy in Wolsingham.

[@highpeakproperty]

Thanks, you too!

[@maxfrederick7703]

There’s a lot of similarities. Grew up in Marbella (schooled at EIC and Aloha College Marbella) from the north I’m a professional property investor (portfolio of 24 currently in and around warrington and 1 in spain our place) and a complete car nut…. Living back in Spain now in El paraiso. Great investing journey. 👍

[@willhutchinson2977]

I’m 20 and just bought my first home I’d like to spend the next few years adding value then pull out some money to invest in another or use it as a deposit and rent out my current, your property videos are inspiring

[@highpeakproperty]

Well done! That’s impressive

[@davidhumpherson4904]

Hi Matt, Love both channels. I'm struggle a bit with the idea of being a landlord as an investment. What happens when you want or need to "cash out"? I wouldn't necessarily want to bring that news to an occupying family. How would you broach that and the upset that might cause them? Don't mean to put a downer on it but it's not like closing a bank account? It's where my financial decisions impacts on others that gets me

[@alik4325]

Beautiful journey you should enter Airbnb i think with quality of housing your going you can be successful yes more stress unfortunately but there are hosts that you can hire that look after your properties.

[@bethrussell9458]

Luv ya Matt! 😍

[@stephenlane9168]

Great video Matt. Very watchable and motivational too to others 👌👏👍

[@rachidsoussi]

Thanks for sharing! Did you ever think about investing in Spain? I remember your video and that you used to live there. Especially the costa de sol and costa Blanca.

[@tinglestingles]

I'm a new subscriber and trawling through both channels. I'm assuming the idea is to build up a number of videos and other collateral for a property course, similar to your motor trade offering? Audience building along the way? May I recommend publishing a book in each area? Might be a good option as well as courses, YT and other social media. Can publish an ebook, paperback and audiobook. Also shows you as an authority figure in the area of knowledge. Learning from your mistakes, buying process in the UK, landlord pitfalls, case studies etc. Just a thought, great content! Thanks!

[@highpeakproperty]

Thanks!

[@digitalimager4946]

It doesn't look too long before you're retired to your chosen warm climate 😊 Well deserved.

[@highpeakproperty]

Thanks!

[@dijpurdy]

I agree with you, update the property to a high standard, get the satisfaction of doing it right, easier to rent, we also as a family do not put up the rent every year, good tenants are worth keeping hold of, they invariably look after the place and when we finally do put the price up they are more willing to stay on, why have a property sitting empty and upsetting tenants, treat them right and they do the same with us.

[@1881Gordon]

Fantastic work ethic. You have done, and will continue to go very far!

[@highpeakproperty]

Thank you very much!

[@luntoinside]

Inspiring stuff Matt. Enjoying the journey!

[@michaelfk2548]

Big thumbs up sir !..

[@highpeakproperty]

Thanks

[@Mr_Magpie_]

Excellent video my man 👌🏾

[@richardburke952]

Great video Matt, I enjoyed hearing about and seeing your journey. I am also in the process of looking for the next Property investment, Ideally off-market, so if you know of anything let me know ;)

[@jrjonny]

Matt you’re an inspiration

[@highpeakproperty]

Cheers

[@MrAPatel94]

Matt i have been watching you for some time now, and you have inspired me to do something. Sadly both my parents passed away and since being living in the family home, which now i am looking to fully renovate and put on rent. Honestly, this is the first time i'm doing anything like this would really appreciate any advice, contact details of people/ tradesman that could help me transform. I would be grateful if you could reach out to me privately and help in anyway, i am based in Ashton/Tameside.

[@paulcoates3860]

Good look. Samyel leeds podcasts very good, i got into buy to let with his advice, e.g. aur b n b it u make more , its serviced accomodation, basically rent out like a hotel, per night , a home from home, Airbnb, openrent and spareroom good sites

[@markpierce8674]

Keep it going Matt but make sure you have a plan

[@paulinelogan1400]

Hats off to you I admire you ...😊

[@ianevans3619]

Excellent video Matt , all the best 👍

[@highpeakproperty]

Thanks 👍

[@phillipdickenson-nl1xc]

Hi Matt thanks for the video great insight into your property venture still interested in the double garage situation

[@mal_752]

Great video Matt 👍🙏👍👍👍

[@highpeakproperty]

Thanks 👍

[@Loopylou897]

I absolutely love your videos, You’ve done amazing with the properties, You should be really proud of yourself, Lucky tenants too some rentals I’ve looked at are bloody awful 🤣

[@highpeakproperty]

Thank you very much!

[@theonlykingclayton]

another great, insightful one, mat, top stuff!!

[@highpeakproperty]

Glad you enjoyed it

[@Joe-he1bv]

I have gone from selling used cars to going into the property market and becoming a estate agent trying to do both

[@daviddawson9099]

Very interesting great to see the hard work and effort paying off.

[@highpeakproperty]

Thank you!

[@stephendavenport1414]

I enjoy watching your videos so far as they are more realistic than the shows you get on the BBC for example. On some shows they get auction fever and pay way over the top so by the time they have finished doing up the house it is worth as much as all the houses nearby hence no real profit. I've met the tenants in your latest property in Marple but it's hard not to as I live opposite. May I ask do you have a mortgage on your own property? I often read of young people saying that they have bought their house by the time they are 30 and anyone Dan do it but when you read the story carefully you discover they have lived with their parents rent free for the past 10 years. I chuckled when you said retirement. You are just halfway there lol

[@guy4469]

Matt. Narrow boats is the way to go, Buy paint service the Engine Sell buy Another .MNB Northwest .

[@louiseyvette2261]

Totally accurate about small business!

[@john-dalemccallum1195]

I always fancied getting into property but never had the money for it... then one day it hit me - I was sitting on a load of cash at my own house. I used a 25% deposit when I bought my own house rather than the 10% minimum. The idea of that was to reduce monthly payments a bit. I also got the house for under its "value" so that left me with a nice chunk of equity. After doing some research and head scratching I figured that I could afford to re-mortgage my house and use the new cash to buy a few flats. I now have 2. One is rented out and the other is slowly getting sorted to rent. Once both are rented I will have generated just about enough monthly income to cover my mortgage on top of paying back the 2 flats mortgages. I'll just save that money up however and will then buy a third. Luckily, like you Matt, I have a mate that has always fancied it but never wanted to take the plunge but now he has seen that I can do it he wants to put our money together. I like that plan as it halves the risk and halves the required input figure! Passive income is the best form of investment. The properties will slowly appreciate in value, their mortgage will slowly be paid off an I will then have made a tidy compound sum of money. If you don't take the risk, you won't receive the reward...

[@highpeakproperty]

Well done. Hope it all works out for you

[@alannock1358]

I agree 100% that property should be done up to a good solid, clean standard. My rule of thumb is "could i live here, if it ever becomes necessary?" I would love to know your thoughts on the upcoming government legislation that will kick us in the cobblers. For instance, ASTs made illegal, tenants right to buy at a discount price and compulsory landlord registration etc. It makes me feel like selling my portfolio, like many others. Worth a video on its own, that subject!

[@olitonottero7620]

super helpful thank you

[@JamesSamyeli]

Decent watch this mate. Should come to our firm for your conveyancing work 😂👍

[@54mgtf22]

Hey Matt. Love your work 👍

[@highpeakproperty]

Thanks!

[@dirt_diver13]

Thanks for the video! I presume the most important thing is to recognize there is the demand for something and then to see if the math for some investment ideas checks out

[@highpeakproperty]

Absolutely!

[@billymills1370]

Hi Matt, love the channel please could you do a video about all the cars your owned personally. What did you like about them, what problems you had and did you make money. Thanks.

[@highpeakproperty]

Thanks for the idea!

[@chrisjie2127]

The real value add is his ability to DIY renovate and have family to help. If you paid someone to gut a house for you and renovate the numbers won't add up. Shows you skills and hardwork create value.

[@robertmartin7525]

Well done, Matt. Great progress. How do you see the remortgage horizon?

[@rjdavies1982]

Hi Matt, I was thinking about selling my classic and getting into property - I would be interested to hear how the increase in mortgage rates affects the affordability of buy to lets - does rental income still cover the increased costs? I have about £250k equity in my home too, always wondering if this should be put to some use!! Cheers, Richard

[@boyasaka]

Everyone I know including my self , is / has / wants to get out of the landlord game Goverment changed tax laws few years ago Before if for example you got 500 rent a month and your mortage was 300 Your mortage was tax deductible so you paid tax on the 200 But not now Rent 500 You can’t deduct your mortage before paying tax bill Absolutely unreal Then mortage rates My last BTL house which is currently in the process of being sold , ( which before I put it up for sale I was getting 600 a month rent The mortage has went from 180 to 450 in the last 2 year

[@topman.9646]

@@boyasakathis comment section are clearly not landlords what you said is exactly right! I am in the process of getting out. I like Matt but these properties in this video would be losing money every month most likely with interest rate rises and the new tax rules. If not losing you will taking on a lot of responsibility and risk for peanuts every month and in terms of growth when you sell you will lose a fortune in tax as well. It going to get worse with landlord licenses coming in and C energy rating requirements.

[@boyasaka]

@@topman.9646 yup Plus what people don’t say is when most tenants move out , a full redecoration is needed , I have always vetted tenants well , but they just don’t look after your property and many get trashed , many landlords left to fork out 1000s of pounds due to damages I know many landlords and almost all say they would sell the lot tomorrow if they couldn’t, it’s simply not worth the hassle If ya want a extra 200 quid a month income , better off and less stressful just going out and delivery pizzas or Chinese on a Friday night lol But there is money in flipping houses if you can get them cheap enough , buy , spend a few months putting in new bathroom and kitchen , decorated top to Bottom , carpet throughout and get it st8 up for sale

[@maxelbrig1315]

Looks awsome just a bit more slow as it looks the machine is reading it ;)

[@chriskaye1997]

Matt, thanks for mentioning about the difficulty about getting a mortgage when you take no or minimal wages from the company as you reinvest the profit to grow it, it is such a pain.

[@paulcoates3860]

Hi way Round it is start a company, not too difficult on companies made simple, google samuel leeds, then they only interested in does it rent for more than the buytolet morgage, not so much on ur income, i did it!👍 good luck

[@typhoon3s943]

Well done Mat

[@thomasfrancis5747]

Interesting times with interest rates and property prices predicted to fall. Any views on whether smaller local building societies are better than national banks? Auctions better than estate agents? Agree again that a good renovation attracts a better quality of tenant. If those garages are going for storage worth erecting extended prefabs in front of them - no planning permission needed?

[@andyasia]

Not sure you can scale effectively doing one by one leaving equity behind as you're always constrained by how much physical cash you can get, as you found out when you took the loan (we've all done that !!). Equally, if you get the opportunity for a bigger deal, particularly on the commercial side, you have to constantly rob Peter to pay Paul. Perhaps it is time to go for a consolidated loan which releases equity should you need it because on commercial your valuation is a product of your rent, not so much market conditions etc. Best of luck, you're on the right road I think.

[@user-te1le7ck6b]

Great video Matt , I agree 100% always refurb to a decent enough standard whereby you would be happy to live in them. Others have mentioned flats check the title but bar that your doing all the right thing sadly given al the changes i think property is less and less attractive , you've started on commercial and i think thats the way to go.

[@Matt-gi2kn]

Very interesting to listen to your take on properties as someone on the other side of investing - the stock market. Doing this sort of thing has interested me for a while and it'd certainly be nice to do work that doesn't just involve a desk, day-in, day-out. BTW, no need for calling stock brokers anymore- it's all online and way easier than you might think to actually buy a stock (just avoid Halifax- they're a rip-off when foreign currency comes into it). The main time-consumer is the research. Good luck to you!

[@funkymonk5145]

Much as i like your high peak autos KZbin channel,this channel is a prime example of why we have an overpriced so called housing market. Houses should not be an investment they should be homes to live in. That makes you part of the problem.

[@bigolbill7252]

The reality is there are too many problems with your argument and fundamentally if you start regulating ownership of property you move into the realm of "should people own anything?" He's buying properties to rent them out, so that very much falls under the category of "Should be homes to live in" Why is it okay for this chap to have a good mark up on cars, quite literally selling vehicles for 3 or 4 times the price he's paid for them after some routine maintenance and a clean up, but not okay for him to purchase housing to rent to people to live in - when we are actually experiencing a rental crisis and with the increased regulation of rental properties, in turn he's supporting local businesses who have to carry out all manner of inspections by LAW. Investors should be encouraged to put their money into the property market, rather than ponzi-based-crypto-schemes - which quite literally add no value to society and are just a total smoke screen appealing to the get-rich-quick-ers and the naïve. Small town property investors don't hyper-inflate the market, a total mismanagement of new-property-infrastructure and generations of nimby-ism have created the mess we're in today. Not everyone wants too, or is in the position to buy. There's a whole army of young guys and gals out there who don't want to tie up everything they've ever earnt into a property - without the ability to rent, what would be the alternative? ...and with a new BMW 5 Series starting at £51'000, you don't think that even if regulation was put in place to stop anyone owning more than one property, huge conglomerates building these new estates wouldn't find a way to overcharge everyone with little competition (exactly like they've done with cars, fooling people into 5+ year payment deals on a product that will more than half in value). Private ownership and small-time-investors actually creates a more competitively priced market.

[@funkymonk5145]

@@bigolbill7252 I Personally i couldn't give two hoots if my house lost fifty percent of its so called ridiculous overpriced value its still my home,i didn't buy it as an investment i purchased it to live in,the price i paid for it in 1973 was £6250,now a so called estate agent says its worth £565.000 i told him your taking the piss it aint worth it, its bloody done nothing its not produced anything of value it just stands there,sheer madness,in reality in aint worth £100.000 let alone £565.000. A house or flat for that matter should be a home and never an investment,now thats a novel idea. The banks building societies are just as much to blame knowingly loaning money for a pile of overpriced bricks. Just wait till the interest rates go up and those mortgage defaults and repossessions start rising,the mortgage lenders don't care if you lose the roof over your head they win either way. Cant understand why would people get into great debt for almost a life time just to put a roof over there head,if instead of the average three bed house cost £20.000 or a flat for £15.000 imagine how much you would save and pocket instead of handing those tens of thousands in interest payments to a bank or building society,you could possibly pay of the mortgage in 15 years instead of being cap in hand to them for 30 + years or more. The property ladder there is no such thing or housing market call it what you will,your all being conned,what a joke but the jokes on us. The banks building societies and money lenders are all culpable,knowingly lending money for houses that are way overpriced,and expecting houses to keep on increasing in price,putting further financial pressure on the next buyer.Its called economic "lunacy on a grand" scale,unless your a landlord or overseas investor of course. The so called housing market has been propped up by successive governments including Labour,now the result looks like catastrophe,the righting was on the cards because its just not sustainable. For those who are just about managing mortgages i hope you get some help from this goverment,but i wouldn't hold my breath. Theirs only one winner in the current never seemingly never ending crisis,thats the banks and the building societies and estate agents. And all the landlords and buy to letters all extracting money from working people and unemployed,to pocket the money of what these people have earned to benefit there retirement and lifestyle,"its called exploitation of your fellow human being" You can cut and slice it and make any excuse you want but hats the true reality,not the verbal gymnastics in your head to justify exploitation. Everyone should have the opportunity to own there own home and as fare as the so called rental market is concerned

[@squadmeta]

The stocks and shares thing might be boring but you should ensure you’re getting as much tax relief as you can, free money from the gov is important to get. Use the correct tax wrappers, get advice if needed. You’re doing great but diversification is important, and maintaining liquidity.

[@gavinb7761]

Well done Matt sound advice telling viewers to seek out a good mortgage broker 👏🏻👏🏻👍🏻 even more vital in the current market

[@MS-yy2dh]

Really enjoying the channel Matt. What do you think about flats vs houses for this? I ask ask as only a small flat is within my limited budget.

[@drapjb]

Always practical, honest and engaging

[@highpeakproperty]

Thanks