退休神器，買完躺平？！16房16套廁 HMO巨獸

[@wangerlam2729]

海外英籍人士可否購買 及 投資英國HMO 物業？如果可以，在稅務 及 費用上 和 在英國本土居住的英籍人士有無分別？

[@officialjackykwan]

外國人和英國本地人投資英國物業沒有本質分別， 主要在稅務上。 例如：非英國居民物業印花稅2%。

[@wangerlam2729]

聽說投資英國 HMO 是要包水，包电，包煤，包上網，每週清潔，维修保養，Council rate 及 各項物業管理的费用.....等等，七除八扣之後，請問一般稅前净利潤回報會有幾多% ？？

[@officialjackykwan]

是的，大概6%-9%。

[@ppc8373]

Any tax for house owner received from rent?

[@ppc8373]

how much tax, if so? Thanks

[@officialjackykwan]

@@ppc8373 Same tax treatment for salary income. after allowable expense

[@chankiukiu3229]

👍, what is running cost & net yield ?

[@officialjackykwan]

要問問，大家HMO大同小異。

[@chrislee1996]

關先生，想請教你 已經出租物業兩年 我想加租，除咗須兩個月前通知租客加租，想請問點樣搵到租約範本template？或者仲有無其他程序？因為我想慳返letting agency fee，所以自已diy同租客deal加租，可唔可以麻煩你分享吓呢🙏謝謝

[@officialjackykwan]

most landlord will increase rent by serving a section 13 notice, there is a template from the gov website www.gov.uk/guidance/assured-tenancy-forms You will have to be careful as to follow all the letting rules as it might be difficult to evict a tenant if you did not provided them certain documents at the tenancy, like deposit certificate, how to rent...etc, if the tenant does become difficult in the future

[@chrislee1996]

@@officialjackykwan Thanks for your speedy reply. 🙏

[@TseJackson-e6v]

Could u pls tell me where this property is？

[@officialjackykwan]

Leeds

[@ryanwong9683]

用sensor開關當然好，但比普通switch容易壞，英國維修費就好金啦。jacky你的HMO會點樣解決utility bill問題？

[@officialjackykwan]

sensor壞就換。佢帶到價值我覺得值。單單沒condensation就已經值回，好過要去mold，重新油油。

[@officialjackykwan]

Utility 價錢沒得解決，只能manage。 PIR sensor，thermostat，smart meter，fair usage policy，加租。 要解決就買HA deal。

[@ppchannel1798]

我間HMO 整野整到頭暈，等陣間又話地板有問題座廁有問題Boiler 有問題,又要燈油火蠟，冇乜肉食

[@officialjackykwan]

Must have a higher profit margin for HMO to make it worthwhile

[@fet88chan18]

Letting agents 有冇guarantee yield ？

[@officialjackykwan]

有D有架，果D都吸引

[@fet88chan18]

@@officialjackykwan 有guarantee yield 個yield 應該低個冇guarantee

[@officialjackykwan]

@@fet88chan18 yes

[@wangerlam2729]

HMO 的物業管理收費如何？包括有怎麼？

[@officialjackykwan]

10%-12% 按中介收費而定

[@wch4972]

三間HMO可以夠退休??

[@officialjackykwan]

睇吓大家日常開支幾多啦😁

[@ycho3239]

請問那裡

[@mymoneylife2508]

誰問邊區？

[@asdf30000cl]

我喺倫敦都見過類似一排打通哂做酒店

[@officialjackykwan]

有個買左一排9個。連lender都話concentration risk，唔可以借曬。

[@fet88chan18]

@@officialjackykwan 孔明借東風 火燒連環船 火災點搞 一連燒幾間屋 點claim

[@officialjackykwan]

正常買buildings insurance（火險）

[@iam3303]

HMO可唔可以買嚟自住架？

[@officialjackykwan]

可以啊 留間房比自己。 但係如果你mortgage就唔可以自住

[@wangerlam2729]

請問 HMO 的全名是怎麼？

[@officialjackykwan]

house of multiple occupation

[@drlau8898]

買三個連續licensed HMO😮真係可遇不可求🎉恭喜買家

[@officialjackykwan]

係啊。本來賣兩個㗎咋。依家管理好方便。

[@fet88chan18]

她應該冇拿出10m 應該有做mortgage

[@officialjackykwan]

是否按揭，鹹魚青菜，個人取向。