Why I DON'T buy in SCOTLAND?! | Property investment UK

[@MoonStarMatt]

In Scotland more and more people are now pulling out too. There doesnt seem to be anything that can be done about it, unless the missives have been concluded which is more often than not the day before the sale handover date! If missives have been concluded then whoever has pulled out can be sued for costs. Spain has a much better system where once both parties have agreed to a sale the purchaser has to put down a reservation fee of €3000 euros. If the seller pulls out the buyer gets the £3000 back. If the purchaser pulls out then the buyer keeps the €3000. Once the contracts are formally accepted a total of 10% of transaction (includes the reservation fee) is payable by the purchaser. If the purchaser pulls out after that point they loose the full 10% plus an additional 10%. If the seller pulls out then they are required to return the 10% to the buyer. This can be done in Scotland as we put down £3000 to secure a property as the seller had been let down before. But it is not law like in Spain. If that system or similar was to be made law in the UK it would make a huge difference.

[@gallojk]

Britains due diligence is similar to USA, with the buyer's responsibly to do their own inspection and surveys. I don't know if I would be interested in getting a seller's paid inspection report and not being able to be present while that inspection occured... Buyer beware!

[@victoredwards3959]

Jamie, I love the Scottish system. It’s far better than our own system of buying property. Well ,everything is better in Scotland apart from the weather.

[@JamieYork]

Scotland is beautiful as well!

[@fionamorant2769]

Scotland is a beautiful country to live in. Much better than England 🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@Timetraveler1111MN]

Ha ha have you bought?

[@gongagong]

@@fionamorant2769 England feels like being in Heathrow terminal 3.

[@MrGazburns]

Now that Scotland second home tax is now 6% it has all but killed BTL here

[@tareklandoulsi1734]

For a 2nd house worth £150.000 you end up paying £9.100 on LBTT that's 😠 mad

[@davidhepworth519]

Now 8%

[@neilmacdonald6268]

Been investing BTL's in Scotland for 15 years. Other than 4% stamp it's a much better system. Great when you're the buyer and you don't pay for surveys (home report) etc. That's about the 1% difference in stamp negated. Love your videos. Love fae Scotland 🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@jayman7752]

Hi Neil, I thought there was a major difference in the amount of time a tennant could default before you can kick them out?

[@neilmacdonald6268]

3 months either partial or full arrears for eviction. This is written in to the Scottish government contract and heard at a tier 1 tribunal. How long in England

[@jayman7752]

@@neilmacdonald6268 I think it’s shorter down here. I’m Scottish but live in London. Thinking of buying a place in Glasgow too.

[@scottturnbull6341]

@@jayman7752 is 6 month now if you want to kick a tenant out and 3 months for no rent or if the landlord is moving in.

[@JamieYork]

Thanks :)

[@jarmanhey7724]

Hey Jamie, massive fan of your content, just messaging as you missed out all the important stuff about BTL in Scotland as the Scottish government really do not like landlords. In Scotland tenant’s have far more rights than in England and we do no have AST’s only a government made Contract. You are unable to get tenants to leave a property unless they meet one of a few criteria such as selling the property or moving in yourself. Tenants currently are not allowed to be evicted for any reason at all until March and could just not pay if they do not want to. There is a maximum 5% increase in rent per year and There will soon be rent pressure zones being brought in that will limit how much rent you can charge. HMO is for 3 people or more and holiday let’s have just had new rules brought in too. Stamp duty is much higher and over £325,000 is 10% ( I Think) plus the additional stamp duty has just gone up to 6% on top of that. Couple of other things I feel you got wrong (but everyone in Scotland will disagree with me as they love their system). The buying process up here is a nightmare, everything is offers over and helps to create an insane market where property regularly goes for 20% over (not easy to get a mortgage on and very difficult for a FTB). I think it is crazy the buyer pays for the report about their own property (conflict of interest, plus limits supply as in England I could list for £100 easily up here it will be over a thousand). The bank will carry out their own valuation 99% of the time (I am a mortgage broker) so you are paying for 2 separate surveys basically. You can absolutely still pull out of a deal at any point up to when missives have been completed (a few days before sale). Really would not be encouraging anyone to buy up here without really exploring all the rules and regulations.

[@MoonStarMatt]

Agree. The offers over situation is a nightmare. As mortgage companies will only give a mortgage for value of home report. An open auction would be much better. I personally think the Home Report is a better system than before, but its not really worth the paper its written on.

[@thecrimsondragon9744]

Wow, Scotland sounds like heaven. Currently, I am resident in a hellish Southeast England...

[@JacobSwanson-o7l]

*You left out one important bit about Scottish housing. When a would-be homeowner is about to buy his house, he will have to sign a Title Deed which, 100% of the time, includes a clause which says that the homeowner must pay for a "factor" to maintain the upkeep of the neighborhood. In other words, the homeowner MUST opt-in to this service. Because the homeowner is now locked into a contract that he was forced to sign (otherwise he wouldn't have been able to own that home in the first place), the "factor" can now pretty much do whatever they want, i.e., defraud the homeowner, cheat, lie, make promises they know they won't keep, do anything under the Sun, without the homeowner being able to do diddly-squat about it.* www.youtube.com/@JacobSwanson-o7l

[@jamesbowie6925]

Quite happy that you don’t invest in my country, we have enough English living there already that raised the property prices🏴󠁧󠁢󠁳󠁣󠁴󠁿😊

[@JamieYork]

There's always time 👀

[@Barnsey87]

No profits in a bonire 😂

[@aaddy5157]

I bet you're partially English.

[@Thereishope664]

You do not own a leasehold property as you stated. The lease just gives you the legal right to live in the property for a specific number of years determined by the length of the lease.

[@JamieYork]

True

[@compassestatesgroup]

great video! I sell off-market portfolios in Scotland. Whilst the 4% tax may look bad, most people don't know that if you buy a portfolio of 6 or more properties, you are exempt from that tax! 😋

[@JamieYork]

The hidden treasures!!

[@miagallagher6371]

I'm looking for a property in Scotland. Would you be willing to get in touch with me?

[@gmckayak]

​@@miagallagher6371 Did you have any luck?

[@dee-exotica]

So THAT’S WHY Sam Heughan bought 6 houses through out Scotland. No wonder. 🙄😟🤭😄

[@MMl-jq1vj]

It looks like they don't want small investors. No ordinary investor or beginner will have 6 properties.

[@vamboroolz1612]

Your cliched patronising of Scotland doesn’t come across well. I realise you are just trying to have fun but when you think that almost every English video does that and treats Scotland as some distant planet, it wears very thin. The information is the usual high standard, but we don’t need the shortbread tin patronising.

[@JamieYork]

You’ve clearly missed the point that many others understood. I was supporting Scotland in its approach

[@Sharper39]

Agreed. Come on Jamie, you are better than that. Otherwise, good vid.

[@jeancourtright9270]

Europeans make fun of Americans all the time. Get over yourself.

[@It_is_common_sense]

In Scotland people are paying often well over the asking price, this can be as much as £50k more. So buying in England in my experience is better value for money.

[@scottturnbull6341]

Am closing on a house just now 10k under asking (Aberdeen)

[@JamieYork]

Depends where you find your deals

[@royedgar1695]

The Aberdeen property market works independent to the rest of Scotland. You'll pay over the asking price in most other areas of Scotland just now.

[@catfisht]

@@JamieYork Any videos on that? I'm trying to buy in Glasgow and the offers over thing is a killer. Could borrow a lot but can't cash fund 50k over asking.

[@fionamorant2769]

If that’s the case who I’m their right mind wants to buy in England. They can’t even speak properly 🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@gabbymcclymont3563]

Iv moved 36 times and lived in Scotland and England both systems can be a problem. Iv been Guzumped 2 times but iv been stuck with 2 large houses in Scotland, i do prefer the Scottish system, just never say you will buy it until your totaly sure, you can not pull out if sale agreed also selling in Scotland can be very quick 6 weeks.

[@JamieYork]

Man that sucks!

[@gabbymcclymont3563]

No not realyi have lots of friend and the culture shock fro movin near Glasgow to Godalming in Surrey war huge. For many years i cid just live out of a suit case . My father workrd in oil So we krpt moving he was all over the world.@@JamieYork

[@nk53nxg]

From Scotland and I visisted the West Midlands of England a few times in the last few years, visited Liverpool, Chester, Buxton and a lot of other areas. All very nice,,,, so long as you are very well off. That is where Scotland kind of trumps, you do not need to be minted rich to live in a nice place. England trumps with nicer softer climate and so much being so close, and if you are rich enough to live in the nice parts of England I understand why it is so popular. I saw Stoke and Newcastle Under Lyme, which is affordable, I prefer where I am from in Scotland for the same money to Stoke or Newcastle Under Lyme.

[@gmckayak]

I'm a property investor in Scotland. We have a fairly diverse range of properties here and the only difference being the 4%...That normally balances out though. Love the videos Jamie, I started watching you and now moved on to get training and a mentor. Keep them coming.

[@JamieYork]

Ah nice. Glad you’re getting value bud 😊

[@proxy7874]

@George Mcmillan yo bro I'm from India and have been wanting to buy a property in the countryside or by the beach in Scotland. How do I contact you?

[@malcolmkerr205]

I was going to try and get in to Property via the Rent2Rent model in Edinburgh, but you need an expensive licence and planning permission apparently :( So a newcomer can't really do Rent2Rent in Scotland and Scottish law doesn't allow Purchase Lease Options. Seems harder up here for sure.

[@gmckayak]

@@malcolmkerr205 If a £350 license is stopping you maybe property isn't your game. Get the license only when you need too. Compliance is more important.

[@alekbeloff]

@gmckayak is that every investor in BTL in the UK makes it through an LTD?

[@andygibson6751]

Your take on the legal purchase process is slightly incorrect, once you make an offer on a property in Scotland, your solicitor will negotiate missives and run the legal diligence process, which can take up to 8 weeks to thrash out. Until the missives are agreed, either party can still pull out of the deal, thus there’s still some deal risk.

[@JamieYork]

Ahh thanks for the update! Good to know thanks!

[@togiduck]

Am I right in saying if you have a holiday home there the council tax is increased by 10%, I went to look at some faults in Scotland, asked to see the sellers report. One of the flats had a dampness problem, told by the agent the seller had dealt with it. When I checked further the seller had only painted over the damp patches.

[@adm58]

I've been considering Scotland. From initial checking on the system there, it seems that offers have to be formally submitted by a solicitor. Could anyone tell me if this is correct? If it is, does that mean simply making an offer costs money (solicitors charge)? I'd normally low ball offers just see whether I could find a bargain but that could get expensive if paying to do so (and presumably paying again to increase the offer if the initial one is refused). Also, I'm attracted by the relatively good prices I have seen online but I've heard that most places sell for considerably above the asking price. Is that true? How do I get an accurate idea of real selling prices?

[@jacekfellmann5640]

Great video. Im using knowlage from your videos to invest in Scotland already. Give me a shout if you need people for your Scotland team 😉

[@JamieYork]

Thanks, will do!

[@LethalDynamicsX]

FACTCHECK: It's not a "Battered Mars Bar" it's called a "Deep-fried Mars Bar" :-) Terrific video. Really clear and well-explained, plus entertaining.

[@thomasboyd9861]

Awesome. Excellent channel. Spot on. Well said.

[@JamieYork]

Thank you kindly!

[@TheGav0071]

So you can't offer less than the asking price, nor can you negotiate in Scotland on a house purchase?

[@MarcusT86]

In Wales it's 4% too. Pisses me off so much as someone about to invest for the first time.

[@JamieYork]

It feeds the golden goose

[@keithnicolson5491]

My heart initially sank reading your title as I hope to get our own first BTL in Scotland shortly. Glad I watched as it spurred me on!

[@JamieYork]

Glad you came to watch!

[@brencelionheart6837]

Ha its funny that you've made this today after I posted in the epta group about my mate up in Scotland who rents but hates landlords because he feels they rip people off and drive house prices up or if reach of the average person.

[@JamieYork]

Hahaha! I filmed it about 4 weeks earlier ;)

[@camcoolcam]

You got my attention there I've also just started investing in Scotland, where I live. Cheers Jamie! ✌️🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@JamieYork]

Fantastic!

[@futuretimes6476]

The video says 4% stamp duty but my information is that you pay 0% up yo £145k and from there up to £250k you pay 2%. So which is correct?

[@scottmacpherson_]

I’m from Scotland and started my property career last year. I’ll be moving to Leeds this summer to really kick it off and will (hopefully) attend your courses! Thanks for the info as always, Jamie 👍🏻

[@JamieYork]

Love it!

[@toadtoadersson2239]

He loves it! And wants your cash

[@coderider3022]

Gazumping ? Can pull out pretty far on tbh I wouldn’t over estimate that. You exchanging days before too

[@JamieYork]

Always got to be cautious

[@kevincoyle4078]

Hi James! Can you recommend and KZbinrs similar to your channel but more relevant to Scotland?

[@aliatrah291]

Can you please do a video on how to lease a car from property income, you mentioned once briefly you do that. Thanks

[@JamieYork]

Good suggestion

[@ianmartin6497]

Im moving back to my country of birth Scotland in 2 years. Ive been in the construction game here in Australia and am a cabinet maker by trade. Im also a fully Licensed real estate agent. Our plan is to invest into rental housing and client renovation projects for those that dont have the time or knowledge to do it themselves... I will be looking into converting my Licensee qualifications when i get there, or just before we do... Is there an organisation that do this. Plus we will be looking at helping fund renovations or becoming joint venture partners with locals... Anyway, thanks , some good info here, will be following your channel for sure

[@Petra-oq5wl]

In Scotland there's a "second homes tax". Is that in addition to stamp duty tax, Jamie?

[@gmckayak]

That's not a thing yet but the Greens have been making noise on it.

[@nikkion2140]

Can we get BTL mortgage for Scottish properties, if we dont live in Scotland?

[@danni11uk]

YES, I just completed one btl but I did find the lenders are limited cuz the flats in scotland are freeholds...

[@JamieYork]

Yes you can :)

[@jayman7752]

I’m from Scotland but live in London. It costs me £300 a time in hotels when I wish my family. I had a look online and realised I could get a studio in the candleriggs for £80 to 90k - which would be fine for a base when I visit and I could airb&b it the rest of the month.

[@JamieYork]

That's a good plan

[@lepanisecake1661]

Great video, and that's why I chose Scotland 🥳

[@JamieYork]

Nice one! Cheers mate! Thanks for watching! 🙌

[@davidodimayo187]

Excellent video Jamie, well done.

[@JamieYork]

Glad you enjoyed it

[@fionamorant2769]

Rubbish

[@spencerayres2669]

Got my first furnished holiday let in Inverness in Nov 21 and it has been going really well before it's even Summer time. Can't wait to buy more properties up there. May be over 500miles away but a 1 hour flight is all that's required.

[@JamieYork]

Love the 1 hour travel time!

[@sehrishabbas4181]

Where did you live actually?

[@spencerayres2669]

@@sehrishabbas4181 Buckinghamshire

[@ahmadalwadi9156]

would love to see apg in Scotland, just like videos about how the markets differ etc

[@JamieYork]

Maybe one day!

[@Cappaghgrove]

I have a dream of buying a log cabin in the highlands over looking a loch

[@JamieYork]

ooo sounds like bliss

[@Cappaghgrove]

@@JamieYork check out a place called Eagle Brae. The cabins are amazeballs

[@alexwalker8474]

Ok, had to watch this, as I own over 200 properties in Scotland. 4% stamp duty, but the average cost of purchase is much lower, we make on average 8% yield, in England that’s a dream. Lease hold/free hold, we don’t have that pish in scotland, is doesn’t exist. Guzumping is illegal in Scotland, it doesn’t exits. Home reports, are no big deal, you just look for number 3s, the rest is good. 🙂

[@JamieYork]

Amazing! Thanks Alex!

[@aprenderlife]

200 properties....that's nothing

[@wtfishappening8476]

Wow 200 properties you are doing well. 🤙

[@wtfishappening8476]

What are number 3's please?

[@Rosebud100]

Please change your headline, it's misleading. I live on a beautiful Scottish island but I originally came from the South of England and all I can say, I love living in Scotland and as much as I don't like the SNP, they have done a lot for Scotland.

[@samlaing1638]

Good to hear🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@jiteshmehta609]

Hello Jamie, can you please make some more videos on deal packaging

[@JamieYork]

Will do!

[@bostonlincolnshire8745]

Beautiful scenery is anthr reason to invest in Scotland!

[@JamieYork]

A very valid point

[@jamesllaw3201]

Ads is now 6% Additional Dwelling Supplement, It's a bloody scandal.

[@genericvideos3409]

Would you ever invest in the Scottish property market if you had a team ?

[@JamieYork]

I would if I had a team up there!

[@foopai]

I have been investing in Scottish property since 2016 and I love it up there. More then half my portfolio is located in Scotland. Would be glad to pair up with you in Scotland. :-)

[@JamieYork]

Love it!

[@FlyingFun.]

Scotland's system is exactly how it should be ( apart from the 4% lol ).

[@JamieYork]

I think you could be right

[@PeacockRhino]

Until independence is taken off the table I wouldn’t touch Scotland with a barge pole.

[@JamieYork]

You might be waiting a while!

[@grahamfleming8139]

We are going back into theE U

[@123sumom]

Amazing video thanks

[@JamieYork]

Thanks :)

[@theLowestPointInMyLife]

what is the point in living in this world when an empty field costs a quarter of a million

[@jakebaw8039]

I am from there and this is good to know

[@JamieYork]

Glad it helped!

[@toffmcman9505]

spot on mate , well investing in scotland isnt bad but the market here is boiling tho specially in edinburgh , yes stamp duty is higher for property up 145k then goes to 6% but you can claim your lbtt back when you sell the property as its deducting from CGT

[@JamieYork]

Great tip!

[@MrGazburns]

Is that true?

[@perolagrande]

You can't claim the lbtt back, it is deducted from the sales proceeds to result in less capital gain. Not the same thing as claiming something back.

[@fizywig]

I put a 1 bedroom flat on the market in Newington to rent at 850 per month in Edinburgh. There immediate 8 applications in a day and was rented out same day.( pre-covid, it would typically have taken 2 to 3 months to get a tenant for same flat.at 750. During civil, rent was 700. So rental market in Edinburgh seems to be heating up, room in shared house may be only option for lower budgets, now at 650 to 700 a month inclusive

[@jeannettecarpenter3784]

fizywig how do property taxes work in Scotland? In the US I pay to my county an annual property tax based value of the land and the buildings. Currently much less than what I could sell the house for.

[@fizywig]

@@jeannettecarpenter3784 taxes on property are called unearned income taxes, typically “ at present” about 5 % more, than normal waged taxes, as you go up income stream, this taxation rate goes up, but roughly, unearned income tax on property is 5 - 8 % higher than income tax, of course, in the highly fluid conditions and situations we now face with the energy crisis amongst other challenges, this could change, so the high rent yields I suggested could change in all sorts of directions in the coming months, both here in Europe and USA.

[@jeannettecarpenter3784]

Thank you Fizywig!

[@user-fh5rd8ds2q]

How can I get in touch with you

[@JamieYork]

Instagram is the place! @jamieyorkofficial

[@christoph1246]

Ooh careful…that’s the wrong NI flag! 🤦🏻‍♂️

[@Cappaghgrove]

Being from Northern Ireland I noticed that..yikes

[@JamieYork]

I blame Dan for this... yep. Defo dan. He doesn't edit any of my videos... but I still blame Dan.

[@lesley-annem62]

keep yer wee paws aff Scotland Laddie!!! I'm busy sewing it up 😅

[@JamieYork]

Hahaha! I'm coming for ya!

[@ariescustom]

You didn't mention that with a leasehold you can fully pay off your mortgage and STILL not be the owner of the property. Total BS in my opinion. The English property market is still in the dark ages.

[@JamieYork]

Very true. Freehold all the way!

[@richardalexander5106]

Great video mate, I'm looking to buy a property in Scotland soon. I'm getting MD'd out of the army after 18 years, if I bought a place lived in it, and rented out a few rooms. Would that be the same as a BTL, or is it a normal mortgage?

[@wamiqzafar1631]

If your renting it out to people from different households and there share the kitchen/bathrooms etc then yeah it should still be the same as BTL mortgage though you may need a HMO license if theres 3+ people

[@lydiataylor9280]

If its your main residence then the people renting rooms from you are lodgers not tenants. Thats in the uk anyway, maybe different in scotland.

[@lydiataylor9280]

Plus in england you dont pay tax on the first 8k of lodger rent income. Check and confirm that again though of course.

[@richardalexander5106]

@@lydiataylor9280 thank you

[@JamieYork]

Search for this on my channel! I did a video about lodgers :)

[@sihlemasondo2898]

Great content thank u

[@katerinax2171]

Yasssss 🎉

[@JamieYork]

👍👍

[@stemajor7]

As a Scot, it’s sad that this is a video topic that even exists.

[@JamieYork]

Why’s that bud? You mean what the government have done up there or something else?

[@stemajor7]

@@JamieYork I would like to buy a house in my home area but our neighbours south of the border are being advised to buy “cheaper” Scottish properties with their higher value property sales. This makes it harder for locals to buy themselves. Also with a high demand for renting in these current times and landlords are seeing pound signs. Not great for a large number of people really.

[@andrewdove2303]

In Scotland we pay an extra £1,494 in tax on an income of £50,000. So the English, Welsh and Northern Irish investors have an advantage over us Scottish residents with Scotland being an often overlooked opportunity and great diversifier for investors. In particular yields are good to excellent in Glasgow and the surrounding counties. Like anywhere there are areas and streets to avoid when chasing yield. Thus if you don't know the area, you'll need someone to vet prospective properties and manage them.

[@mattanderson6672]

Thank you!!!

[@murdockonrad]

Thank God❤🙏🏻 The only thing I can't stand is the bagpipes made GOD! Cacophonous!

[@JamieYork]

Hahaha

[@scottturnbull6341]

Great video there is a lack of Scottish property KZbin content.

[@JamieYork]

Opportunity for someone there!

[@farshidabulhassani8903]

Thanks Jamie Im from Glasgow that information is realy helpful. Also am looking to attend your courses any idea when is your next course coming up please ? Tnx for all your training

[@JamieYork]

Thanks for reaching out! Go to bit.ly/aspireeducation and fill in your details :)

[@farshidabulhassani8903]

@@JamieYork Fantastic. Cheers

[@TheAhmedvienna]

Title of the video is misleading. 😅😅😅. But good funny video.

[@JamieYork]

Glad you think so! Aha

[@stuartwells4133]

I’m a current lease hold owner on my one bedroom flat in England but once my five year tenancy agreement is over next June 2023 I’m considering selling & then buying a property in Scotland 🏴󠁧󠁢󠁳󠁣󠁴󠁿 🤞🏻

[@chiefgilray]

A team in Scotland... Support Arbroath pal...😁

[@JamieYork]

Hahaha! Maybe ;)

[@stephencrumlishdiscos]

Would i be right in saying. If i buy a property at 100,000 as a btl in Scotland, i would have to pay the following: Approx 2000 buying fees. 0% stamp duty as its below 145,000 but 3% as I'd be buying it as a tld company do 3000. 6% additional dwelling suppliment ADS so 6000 Total=11000 ? Cheers

[@wongwinnie7502]

APG

[@JamieYork]

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

[@GhanYt]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $160K for sometime now, my major challenge is not knowing the best entry and exit strategies ... I would greatly appreciate any suggestions..........

[@thebrideoffrankenstein2415]

Coming from an Englishman...hard pass...id rather live in Scotland

[@thetruth3435]

scotland is the best

[@JamieYork]

Love it!

[@mistertunk9132]

Let's stop investing in property altogether

[@JamieYork]

That would be horrible for many tenants, investors, and the country

[@mistertunk9132]

@@JamieYork Lol, nope. That would make the world an unimaginably better place. The world doesn't need property investors. It's a purely egotistical act.

[@JamieYork]

😂 go and do some research on housing quality pre- private landlords

[@JamieYork]

😂 go and do some research in housing quality in the UK pre- private landlords

[@mistertunk9132]

@@JamieYork You can do private landlording, but just own that you don't add to society and are a parasite. If you can't live with that, quit, but don't fool yourself.

[@shaneilellis9832]

Does Scotland has independence or government rely on England government for Everything?

[@PunjabiExplorerindian]

Hi Jamie. I need yours guidence .. I am from india .i am coming to Glasgow on work permit. My plan is there to buy a shop. Arround 40k-70k pound. Then after i will run shop as well as i will do work on job also. After two year . I want to buy a land and build a home in glasgow. Is that good idea ?? And which place of glasgow should I buy shop and land for house ... Please assist me. When I will b in glasgow. I will share my number also. So that I can take urs proper guidness