fully transparent: how much i make from 11 properties

In this video, I go through the cash flow of my buy-to-let property portfolio using the BRR strategy. I will break down all the figures including mortgage, refinance fees, rental income and taxes, explaining what happens to your cash flow and how to reinvest profits to scale your property portfolio.
📚 Free Courses, Resources, Etc: linktr.ee/ahmedkhann
👋 Website: www.ahmed-khan.com
Connect with me on Social Media:
Facebook: / thatahmedkhan
LinkedIn: / thatahmedkhan
Instagram: / thatahmedkhan
Twitter: / thatahmedkhan
TikTok: / thatahmedkhan
KZbin: / @thatahmedkhan
#ahmedkhanproperty #realestateinvesting #propertyinvestinguk #propertyinvestor #propertydevelopment #realestatebeginner #buytolet #brrrrinvesting #brrrrstrategy #propertyportfolio
ERROR: I've just realised that there was an error in the video. I meant to say you can reinvest in your business by upgrading your properties (as long as it's not considered a capital expenditure) rather than reinvesting to buy more properties to save tax. I've taken that part of the video out now so it doesn't cause any confusion. I have been investing in property for 6 years now but that doesn't mean I know everything.
If something sounds wrong or if you think I've a mistake please put it in the comments and I'll look into it to make sure the info on my channel is accurate! Thank you @benhawkins8301 for pointing this out!

[@vanfourello]

Wow! That’s so awesome! Thank you for sharing this in such details! Love it! One more thing to consider is to include emergency/unpredictable spendings fund - eg small fixes/repair/maintenance , broken household appliances, etc Some repair (wall painting, etc) after tenant moves out and before new one moving in. And also while having some maintenance there would be some idle of not getting the rent- so would be needed to cover that, etc

[@nintendokings]

One thing to note: you glossed over ‘management’. Truth is when you’re managing & renovating so many properties like this, it’s basically a full time job.

[@ThatAhmedKhan]

fair point - but i mentioned why i didnt include it

[@andrewbryant4259]

If you’re a DIY wizard it might seem easy. But otherwise you’re inevitably going to have to pay someone to do some work at some point. Structural, electrical, plumbing, you name it. Not many people can do it all by themselves so there will undoubtedly be some cost here

[@michaelhall2138]

How long are the mortgage deals- -5 years?- i’ d guess.

[@brunobris]

​@@andrewbryant4259he said management not refurbishment roles.

[@richardgreen3386]

Really great video on the financials - no BS and sound analysis which is pretty rare on this topic. It would be great to see a video or 2 as a deep dive on your latest project where you converted 4 flats from deal sourcing/identification, determining scope, engaging trades/architects, planning and project management. A real deep dive.

[@fireelighting8610]

Thank you for the video man, very clear and informative, I'm looking forward to getting ready for my business career, all of this is very helpful! Good luck man

[@ThatAhmedKhan]

Thanks, mate. Best of luck!

[@brunobris]

Your videos are not only educative but awesome to watch. Pretty much work in the video itself before the exact information delivered. Thank you Ahmed

[@programming_duck3122]

It would of been interesting on how you managed the initial capital for each one of the properties.

[@johnjoyce2508]

That is an amazing presentation. So in depth with super detailed explanation. Thank you

[@prestonjaworski3371]

This is an amazing video for advice! Thank you so much. Liked and commented!

[@George-ch2dp]

Currently studying a Real Estate Masters at university in Edinburgh. Crazy that your 15 minuet video has been more engaging and informative than my two hour lectures. Thank you for this video and keep up the good work!

[@salsabila786]

Great video, I got in to properties at a similar time in 2018, I've got a mixture of BTL and HMOs. But being in the North East of England, I bought most as corporate sales or auctions, refurbed and rented it out with no mortgage. I've also taken on 3 properties I leased, converted to HMOs and rented them out, each HMO for which I've invested very little for lease and refurb is getting me twice the income of each BTL. It's basically a part time job but I've been able to go in to part time contracting as opposed to a full time job on the side. I knew interest rates would never stay at lows like 0.1% in December 2021 forever and didn't want the exposure. My investments in my 11 properties is similar to yours, but the yield is much better in the North East and personally I think it's coming to a time that capital appreciation is catching up with the South now.

[@jamesspearing121]

Agreed.. the yields need to be good or you are losing money or barely breaking even - and in a volatile market that’s a lot of risk. Forget yields of 5 or 6% that agents tell you is good. Should be able to get 9% minimum on straight fwd BTL let alone HMO etc.

[@jackwicksproperty]

Such a good video mate, youve clearly spent a lot of time on the structure and the filming of this and it was 100% worth it!!!

[@ThatAhmedKhan]

Appreciate that! Thanks, mate! :)

[@ThatAhmedKhan]

hope you're doing well, been a long time

[@hishamadamu9889]

@@ThatAhmedKhan u inspire me to get into real estate

[@ThatAhmedKhan]

Here's 4 free property courses I've made totalling over 32-hours of property knowledge: www.ahmed-khan.com/free-courses

[@sammyajose1267]

props for not letting the job application rejections deter you. onwards and upwards

[@ThatAhmedKhan]

Yes - thank you! 🙏

[@manrajjutla4710]

Great video, thanks for being so transparent with your numbers!!

[@ThatAhmedKhan]

Always!

[@kevinliang1775]

Amazing! A lot of useful and condensed information! I stop many times to think through and do the calculation myself. Thanks for sharing

[@ThatAhmedKhan]

I think I need to slow down in future videos lol

[@KyleDeVilliers]

Very informative! Thanks for being clear on every topic

[@ThatAhmedKhan]

Glad it was helpful!

[@misterr279]

Great video, regarding the cash flow and the risks. Even if my portfolio cash flow dropped from 3.5k to 1.5k it would still mean I could wake up when I choose, train when I like, sleep when I want to, walk and explore, read, create etc and not have to answer to some wage monkey or do another totally useless corporate job....THAT is why I got into property. Create a reality you are happy to endure.

[@ThatAhmedKhan]

great perspective :)

[@bartholomewlyons]

That is IF you have enough properties to get sufficient income. What is 1.5k a month? You strive to be a bum or what?

[@CC-dy7tc]

@@bartholomewlyons this is so true but once you have sufficient income let’s say 3k - 4k a month, it’s nice to be able to have many options as opposed to going 9-5 everyday.

[@bartholomewlyons]

@@CC-dy7tc but think how much capital is at risk. This would help you make ends meet and sloooowly clomb the property ladder. But time v money ratio here is unviable. This dude doesn’t go into how he raised the initial money for the 1st property. That is either family, hard work, loan etc. So he does this for the views but this is not something useful to 99.99% of viewers. No detail as to where the money goes (maintenance 175 per month? Insurance doesn’t cover everything and finding tenants, replacing tenants etc is also not easy). This is hard work, not rewarding in the slightest. And you don’t have that much time as one would think. You also invest so much time in refurbishing it. Nah, learn a craft, be unique, teach others, build a real business. I also have properties I rent and I dont find it rewarding or smth to strive towards.

[@ihaziqhabib]

Such a informative video! Thanks 👍🏻

[@juliegeorge8533]

Ahmed you are a star! Thanks for all your work. Be blessed.

[@ThatAhmedKhan]

Thanks! You too, Julie!

[@hbchohan7886]

The best explanation of the real cash flow concerning rental properties. Excellent work Ahmed.

[@ThatAhmedKhan]

Much appreciated!

[@juniorale411]

amazing content brother, 🙏out here sharing instead of selling

[@ThatAhmedKhan]

I appreciate that!

[@Chinggis42]

I'd love to see a video explaining how one would get started on such an endeavor.

[@AfzalHussein]

Great video, edit and thumbnail. I have a feeling your channel is about to blow up! 💪🏽💪🏽

[@ThatAhmedKhan]

Thanks bro🙏🏻🙏🏻I’ve seen your videos over the last few years. I’ll drop you a message on insta. Would be good to catch up and talk KZbin if you’ve got time

[@davidwhitton5519]

This video demonstrates that leveraged money in these times of more realistic interest rates apposed to the the free money times of the last decade don't work. I bought a flat for £45000 for cash spent £6000 on a refurb basically all brand new as I am a builder and done the work myself, new value is £75000 and my monthly rent net profit is £490. I'm just in the middle of purchasing another property for cash that is landlord owned who can now no longer make enough income from it with the new rates yet I will comfortable make £550 a month net as a cash buyer. The new game in town is for those who hhave saved their money in the last decade of crazy free money which was obviously never viable long term. The higher those interest rates the better as far as cash buyers are concerned.

[@kooolooooo]

You're right. Also as time goes on, banks are becoming more and more stringent in their lending criteria. Making it more difficult to start leveraging in the first place.

[@JimmyBob708]

45k? Which country is this in?

[@cxg101]

@@JimmyBob708 lots of places up north

[@ln5747]

You foolishly lump all leverage together. 90% leverage is not the same as 40%. Buy to let can absolutely still work with leverage during high interest rates and will maximise returns. Real estate is mostly a leverage game, it's it's huge advantage. Owning outright is arguably not worth it, for all the hassle you can put the money in an ETF index fund (often in a tax wrapper) and usually get a higher long term return with zero work and greater flexibility to withdraw funds. Bad advice - own real estate for the long term and with at least some amount of leverage.

[@CabinetFramingUK]

@@ln5747exactly. Why lock up 50k to get back about 4.5k a year after tax. Much rather just lock up a deposit of like 10k and make 3k and do that with 4 properties with the same cash

[@supernova9886]

Wow.. a straightforward video ..that's unique

[@ThatAhmedKhan]

crazy right lol

[@manni192]

Great video and thanks for the breakdown. The increase in Corp tax after April will leave you around £4k worse off which sucks :(

[@ThatAhmedKhan]

yeah not the best!

[@matthewcox6490]

@@ThatAhmedKhan is this true? corp tax only goes to 25% for companies earning over £500k profit per annum.

[@ChrisLee-yr7tz]

@@matthewcox6490 Its a sliding scale between 50k and 250k. Co's over 50k are charged at 25% but then there's a marginal relief for those between 50k and 250k.

[@draafroz]

Great video, I am looking for a BTL apartment in central london, is this the right time to buy or wait for few months? For BTL apartment, is one bed or 2 bed would be better in the said location? Thank you

[@LA-fr7fx]

Great video - always remember, that rates can go up significantly when a country is heavily indebted. The UK has almosr w trillion of debt and swap rates have a strong say on interest rates - like we sas under the Lizz Truss government.

[@Liz-en3gc]

Such an amazing and highly informative video, thank you so much for this!

[@ThatAhmedKhan]

No problem! Glad you find it useful.

[@arcticblaze1013]

Hey man, just stumbled on to your channel. Keep it going! Would love to see more, as a 21 year old wanting to get into property investing these sorts of real videos are so useful! Can you do a video on LISAs and help-to-buy schemes? Your opinions on them and what to go on to from there?

[@dylangarcia7732]

Great video Khan! Just a question.. did you use a mortgage for your first BTL?

[@Akashmash]

Super informative, subbed immediately.

[@ThatAhmedKhan]

Thanks for the sub!

[@malikali2305]

Great video, may i ask why you chose interest only mortgage? What is your reasoning / strategy behind it? Thank you

[@pinkandreas]

Thanks for sharing this numbers with us. Great. This is a real value. How are you managing market risks or if the real estate isn't rented and you have to pay the interest rate from your pocket?

[@chillelement8301]

Thanks bro. 6:06 full spreadsheet visible

[@TheCarsWorld.]

seriously very helpful video would love to see a day in your life video

[@ThatAhmedKhan]

Thanks for the idea!

[@ankitattreya1713]

Great video bro ❤

[@ThatAhmedKhan]

Glad you enjoyed!

[@stickhrk]

OK I got to around 10 minutes before zoning out, proud of myself. (I'm trying here aight!!)

[@reabo22]

Well done man!

[@ThatAhmedKhan]

Thanks bro!

[@TheUnknownNexus]

amazing video, ty ahmed

[@ThatAhmedKhan]

Thanks for watching, too bro

[@Bi9Dre]

So underrated, this is gold😶

[@ThatAhmedKhan]

Thanks,bro! Appreciated! :)

[@quiet_one8061]

Rents went down in 08 they are coming down as many people instead of selling are trying to rent it out like in 08. Eventually there's a new equilibrium you shouldn't expect rents to go up as rates go up as there are competing impacts.

[@nikkion2140]

What SIC codes did you use to set up your Ltd company? Any recommendation for an accountant pls/ Thanks. God Bless.

[@ANIA2469]

What was the cost of refurbishments ? Did you do everything yourself or paid builders?

[@danielbaxter3508]

What area do you invest? Some good returns in there based on the prices in my opinion.

[@bigboldbicycle]

When you "pull money out", what type of loan product do you use? Do you remortgage to a higher value, or do you take out a second loan on top of the mortgage?

[@MrNitrocification]

that slack notificaton at 13:57

[@Hacktheplanet_]

Awesome dude!

[@ThatAhmedKhan]

Glad you think so!

[@trmpropertysolutions]

Did you do a title split on the flats I take it?

[@RSStJamesD]

wow so helpful great info

[@ThatAhmedKhan]

Glad it was helpful!

[@vvwalker7261]

How much did you pay to the freeholder to reconfigure the leasehold property?

[@wintersun398]

12:12 When you convert one house into two flats, do you pay stamp duty when the 'new' property is created. I'm assuming it went from e.g. 12 north street to 12 north street and 12a north street. I'm looking at something similar whereby a 3 bed house was extended with a garage and two beds above it. I want to knock down the entire property and rebuild two 3 bed houses. The footprint is big enough to do this.

[@mpat01]

Great video!

[@ThatAhmedKhan]

Thank you! :)

[@SuperKillaki]

What a brilliant piece of content

[@ThatAhmedKhan]

Thank you! :)

[@cmann4751]

how did you get the initial funds to buy the first property?

[@riOdariot]

he clearly knows the right people (some rich people, or his own family members who are likely to suggest be well off)... Only a crazy (or stupid) average person would spend 200k+ on his first property investment to buy a 1 bedroom flat. Clearly he's not your average person.

[@flexaeterna]

This was very helpful

[@ThatAhmedKhan]

I'm glad:)

[@Matt-wi9qp]

This seems like a real insightful video and I like how you have gone through and explained everything clearly. Only thing which I thought of is that you'd be paying a higher band on some of the £67k right? So post-tax income would be more like £48k, rather than £54k?

[@Gymthingz]

If you own each in different llcs. Then tax is applied to each separate entity.

[@ThatAhmedKhan]

correct

[@kaeji_namitsua]

@@Gymthingz How much does LLC cost yearly and setup cost?

[@GeoffreyHale]

Great video thanks for sharing your numbers

[@ThatAhmedKhan]

No problem 👍

[@Crispy_Cheese88]

A question. Why calculate the interest only on the mortgage not adding the principal? Or is it different in your country

[@ThatAhmedKhan]

Yeah we have interest only mortgages here. You can get repayment mortgages as well but interest only are more common with investment properties

[@WajahatMughal]

Ahmed, who edits your videos! INSANE man!

[@ThatAhmedKhan]

Thanks bro! I have someone in my team :)

[@Kasperrr637]

Really eye opening video about investing in properties, keep it up!

[@ThatAhmedKhan]

Glad you found it useful!

[@TriGGerJOY]

Love your success Sir. I am also looking to have my own business first time in my family I am working hard for it ,Sir any suggestions or words from you is greatly appreciated. Thank you.

[@rossmasterton]

Is there a minimum time you have to wait to get a reevaluation after refurb so u can then refinance? i.e. Could you technically buy a house and then put a new mortgage on it 6 mnths later?

[@DamienTalksMoney]

Great video

[@ThatAhmedKhan]

Thanks bro, I appreciate that! I've seen some of your videos recently as well - really good content! I'll drop you a message on Insta, would be great to catch up and talk KZbin, property, etc :)

[@singh1409]

Nice video bro 👍🏽

[@ThatAhmedKhan]

Thank you!:)

[@1982favourite]

So the net yield is what hits your pocket when all is said and done is that right.

[@ImranKhan-vw2wx]

Great video Ahmed, your best so far. Are any of your properties located in council owned blocks? If so, have you had to navigate costly block repairs/upgrades mandated by the council?

[@ThatAhmedKhan]

I own 4 properties in council blocks - nothing major so far

[@vanessakellow2957]

Thanks for this. Can you do a video on rent to buy? Really grateful for in-depth info

[@ThatAhmedKhan]

Are you referring to any specific buying schemes?

[@vanessakellow2957]

@@ThatAhmedKhan yes - landlords - renting a property to sell. Seems like a big US market. Wondering if you had considered that. I’m a landlord with S24 killing the profits. Looking into disposal and incorporation. I was interested to read Lloyds bank intend to be the biggest landlords in the UK. They are rent to buy ..

[@ahmadsaleh564]

Hi Ahmed, Happy to see we share the same name. I notice that the " Stevenage" total cost is missing ? how could you turn that 600K to 1M ? you mentioned that the project us still running, how much the cost so far?

[@ThatAhmedKhan]

I'll have to add it up - will do a full video on this!

[@ixardesign8603]

If your properties are owned in a ltd company, section 24 doesn’t apply (mortgage interest rates are still tax deductible). Nor does it if you’re operating your rentals as SA. Surprised this wasn’t mentioned (with the usual ‘i’m not a tax advisor caveat of course!)

[@ThatAhmedKhan]

Yeah completely missed that tbh! 😂😂😂the disclaimer is a must

[@iknowineedausername]

Can you explain how banks calculate the stress test percentage. Why is this 5.5 % here. Is it 125% over the current interest rate ?

[@bharsanta5029]

I just did first few mins of the video… and ahh Woow.. great video!!Thanks for being so transparent and explaining everything so clearly!!

[@ThatAhmedKhan]

Thanks for watching and I'm glad you liked it! :)

[@asatoraegames4533]

Nice to see some content explaining that private landlords aren't making bank from standard BTL - I think there's a huge misconception about this, especially from renters. Sadly not helped by a large proportion of abysmal landlords.

[@wanistani]

What are your thoughts on buying leasehold flats to flip?

[@ThatAhmedKhan]

If you find the right deal with a good margin I'm all for it. In this environment you'd have to be careful though

[@eoinmcmullan5720]

How come when you rented property you did serviced accommodation. Can you not do the same for property that you own increasing the cash flow?

[@ThatAhmedKhan]

Yeah you could - I'm just explaining from a BTL perspective as that's what most want to do

[@tomnoake8177]

Really good vid. Did you ever think of just selling after refurbing the properties, what made you keep them for rentals ?

[@Cheesieshorts]

probably the possibilty of having passive income, paying off mortgage over 20 years and selling / retiring on the properties later on in life

[@Andrew-ig5sp]

He will earn the most from Inflation + Time. The cash flow is allowing him to hold so many properties.

[@sikanderalishah8999]

Do you buy all these properties under one ltd company or separate?

[@ThatAhmedKhan]

i buy under 1

[@supra1000]

You are spot on my man. One of the greatest video ever, legendary. I have 4 BTL and at the moment im ok. 2 of them are expiring in the end of 2025 and early 2026. Mortgage is about 205k and im thinking of gradyally raising the rent which i hate doing but ill have to i guess. Whats your prediction for 2026 interest rates? Do you think they ll be on their way down? Im little scared as they all interest only and im thinking of starting paying half of my profit to the loans. What would you recommend? Any feedback i will greatly appreciate. Im subscribed now.

[@mattbryan9178]

One big concern is lower house prices. Being fully leveraged if you get a lower valuation you will need to inject more capital to continue securing 25% LTV.

[@ln5747]

What do you mean? Unless it's on a bridging loan etc during refurb you just wouldn't remortgage if you get a lower valuation, not inject more capital.

[@mattbryan9178]

@@ln5747 Apologies the above should have referred to that being the option vs suffering inflated interest costs on the variable rate which would see profit eroded further possibly to a loss.

[@grzegorzjones2629]

You are making an excellent point and that's the main reason why I never do what all those property investing gurus i.e. S Leeds tells you to do. What you refer to is commonly known as the negative equity. If you sucked out all of your extra equity from the property, paid it out during the remortgage and used to buy another property it is all great for as long as property prices keep going up. However, when they start going down you end up with 2 properties which may have not enough equity in the mortgage. Banks usually expect the investment BTL property to be 75% LTV max. If the value of your properties go down and your both mortgages are now more like 80% LTV bank can contact you and say: well, you need to pay an extra 5% of the total property value of property A and B... at which point you are pretty much screwed because you may not have so many thousands of pounds sitting in your bank account (+ your property couch tells you it's a waste of money to have excess funds locked in 1 property if you can buy 2 and earn money from both, so basically blah blah talk which doesn't take into account the risk of the falling prices). If you don't pay that missing 5% on both properties bank can start to repose your house (or both in this case)... which is the mechanism that caused 2007 property crash and why so many people had their properties repossessed back then. We now have falling property prices so interesting times ahead for those relying on their property couches to do the thinking for them. When the tide goes we will see who was swimming naked...

[@pietrocasotto8814]

@@grzegorzjones2629 exactly !

[@Joe_Sole]

Thanks for your transparency - I took a lot of value from this.

[@ThatAhmedKhan]

My pleasure!

[@user-id8dm2co1f]

How do you self manage if you go away?

[@DunguBook]

Did you buy it through an ltd company? And how did you do it?

[@ThatAhmedKhan]

Yes - I buy properties using a limited company to avoid the section 24 tax changes. If you buy properties in your personal name then you can’t offset the mortgage interest and therefore your tax is much higher. So it’s a lot more tax efficient, for most people, to use a limited company to buy and hold properties. For a detailed process, this is included in my free course - bit.ly/courses-msg Hope that helps!

[@smrfingers]

Whats the exit strategy or end game for interest only mortages? if we pay interest only then what do we do at the end of the 25 years?

[@ThatAhmedKhan]

Short answer: you just remortgage. Long answer: ill make a video on this lol

[@smrfingers]

@@ThatAhmedKhan subscribed and waiting 🙂

[@anthonyomara1064]

What about the long term capital gains, will they be taxed as a corporation tax, probably Yes,

[@Justin-xr2rh]

Thanks for the great video as usual Ahmed. 💪 Only question is, why are your videos sped-up?

[@ThatAhmedKhan]

Sorry, what do you mean?

[@Justin-xr2rh]

@@ThatAhmedKhan Before my brain could process what you said in a sentence or the associated image with data on it is registered, the video has moved on to the next sentence with a new image with data and I keep having to pull the slider back. Your video edits are awesome btw, might want to slow down the video speed a tiny bit in youtube videos. For reels that speed is perfect! 😊 .. also, keep doing what you are doing, its working! 💪

[@ThatAhmedKhan]

@@Justin-xr2rh appreciate the feedback! Pretty hard speaking to a camera so end up speaking much faster lol but noted! will improve

[@netayconnection6236]

@@ThatAhmedKhan This is funny (not in a rude way) I tend to speak exactly the same speed in my day-to-day life, and therefore I understood everything. Perhaps, as suggested by Justin slow next time, and maybe just pretend speaking to the camera as if it was your friend/family etc! Regardless, great and informative video like the pie chart representations and even with colours as a top.

[@ChrisLee-yr7tz]

@@ThatAhmedKhan I actually prefer it. I tend to watch a lot of KZbin on faster than normal speed.

[@mohammedwaleed9691]

Awesome content 👏

[@ThatAhmedKhan]

Thanks! :)

[@TicTacsMakeMeHigh]

Not sure what interest rates your fixed at and for how long. But majority are 2%. Aren’t you concerned with interest rates going up? What interest rates are you expecting the BOE to go to?

[@ThatAhmedKhan]

I was always paying more than 2% since I was buying in limited companies and my mortgages are in a five year fixed so I still have a few years ago until I have to refinance so we will have to see with what the rates are at that stage but I don't think it should be too much of an issue based on my calcs

[@Bruh01234]

Can’t u use depreciation to get Less tax or stn

[@davidbeljan]

So you are paying only the interest on those loans?

[@richwaight]

Interesting well communicated video! Thanks for posting

[@ThatAhmedKhan]

Appreciate that! Thank you! :)

[@Hamza98Zafar]

Really helpful video! 😄

[@ThatAhmedKhan]

Thank you! :)

[@Kelian3000]

how do you start off with enough liquid cash for a second property after putting it down for the first one on a 80% loan?

[@rosyapplekitchen635]

The bank revalues it after the changes, this then releases equity money to you to reinvest

[@Rashy34]

How easy was it to convert the property into two flats, thanks

[@ThatAhmedKhan]

It's not too bad tbh - i have a video coming on this soon

[@royalegamer2704]

Calculations with rise in mortage interest rates and energy bills alone is enough to put anyone off intesting in property market nowadays.

[@MrCoolbanna]

How it should be

[@ericksonimanzi]

Would you be able to make a video or link a video of explaining how you invested or rather raised capital?

[@ThatAhmedKhan]

yes ill make this

[@ericksonimanzi]

@@ThatAhmedKhan thank you can’t wait!!

[@na97da95]

Really engaging video. Just one doubt, why wouldn’t you use fixed-rate mortgage? Is this something not too common in UK? I’m from Spain and this past years everyone was getting

[@ThatAhmedKhan]

I do get 5 year fixed rate mortgages

[@Andrew-ig5sp]

@@ThatAhmedKhan I think this question assumes a fixed rate mortgage is 30y fixed. If it’s fixed for 5 years; that’s an 5/1 ARM (adjustable rate mortgage)

[@ThatAhmedKhan]

ahh i see! I don't think you can get 30 year fixed mortgages in the uk. 5 is the fixed mortgage here

[@topgun2869]

Where did you get the money for your first investment?

[@ThatAhmedKhan]

I did a lot of airbnb rentals before this

[@ccclcsr]

The beauty of setting up a company is, you can put your spending under the company

[@ThatAhmedKhan]

Correct

[@Jordanzz00]

Sorry, beginner here looking to gain knowledge.. how does putting the spending under the company help?

[@luis61961944]

Are interest only loans common ? Im in Mexico and i never heard of that

[@ThatAhmedKhan]

very common in the UK

[@abdullahk8691]

Nice to see a young man so dedicated. Alhamudulillah

[@ThatAhmedKhan]

Appreciated!

[@121hassy]

How can u use islamic term alhumdulliah. The guy is taking interest left right and centre . It's completely forbidden in Islam. Word of advise to brother if u don't mind. Don't compromise Ur values for this dunya. It's very temporary. I would rather get a full time to earn £2500 per month which is earned halal than all this