Buy to Let Basics | Property Investing For Beginners | Buy to Let UK
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Күн бұрынClaim Your FREE Ticket to the Property Investors Crash Course: www.property-investors.co.uk/
In this video, I go back to Buy To Let basics! I talk about the basics of UK buy to let investing in 2022. There are a number of important things to consider before investing in property as well as a number of things that many people get wrong. It is essential to know what to look for, and how to look for, UK real estate.
In the video I go in depth about exactly what to look for, from EPC certificates to negotiating price. I highly recommend watching the full video, which can be found above. In this article, I will summarise the 3 main things you need to do when looking at buy to let property in the UK.
Watch this to go through the basic but yet very important steps to go through when purchasing a Buy To Let property.
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@Abelone-Alvilda 3 ай бұрын
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@Abelone-Alvilda 3 ай бұрын
@Elijah-Nikolas That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@Abelone-Alvilda 3 ай бұрын
@Elijah-Nikolas I will give this a look, thanks a bunch for sharing.
@whatsyrcardnumba7061 Жыл бұрын
This is honestly really helpful at making this all digestible when starting out. Thank you
@ZykeCorse 2 жыл бұрын
Thank you for the tips sam ! Youre the best ! Im bout to invest in uk prop, end of this year ! Love from sg ❤️🇸🇬
@akashsinghparker503 2 жыл бұрын
Everytime you make a video,it’s the information I need.Very helpful👍👍
@chisha8415 9 ай бұрын
Really good advice and straight to the point. Thanks
@margaretkennedy1570 2 жыл бұрын
Thank you Samuel. Looking forward to you coming to Australia to help us. Thank you, thank you. Appreciate your beautiful soul for helping people financially free.
@terryben4952 Жыл бұрын
Hi Margaret nice to meet you,hoping we can talk more if you don’t mind.
@alexzandergosling6840 2 жыл бұрын
Eye opener! Thank you, great vid
@marionpetit4360 Жыл бұрын
Good content thanks . I believe lots of people are yet to understand with it takes to become a successful investor
@johnSmith-uz8nl Жыл бұрын
Slow and steady.... I've not done that but I feel I should have.
@tortellini5604 Жыл бұрын
Unless I’m mistaken u can take loans to invest in the stock market, with provided your other assets total more or equal to the loan, very useful video though I’ve learnt a lot from you
@vydehgipillay8513 Жыл бұрын
great advice! Thank you so much, I am actually just a 23 year old trying to understand the property market in the UK because I would like to settle down here. Your point on the management company is excellent and can't wait for more of your content!
@KokonatMusic 9 ай бұрын
Your name looks Indian I’m new here pillay wagwaann
@lifeoflee14 Жыл бұрын
Just brought my first buy to let, thanks for tips and advice. Also making a series on my channel about the journey.
@bigbadchillybear 2 жыл бұрын
Hi Samuel , great channel ,just recently subscribed ,I've always thought of investing in the property market and your channel is very inspiring. Thanks
@jamz2218 2 жыл бұрын
Great content as always
@beefandboid Жыл бұрын
Awesome! Thank you for this
@ac-br1fb 2 жыл бұрын
wish I found your channel earlier. I'm a self employed bricklayer who works most hours god gives us. always had plans in the background for the future now after watching your channel you have gave me a good instinct to act and move forward. Brilliant attitude well done you.
@CcOo-td8ex 10 ай бұрын
1 year on what have you done ?
@rhysbell 5 ай бұрын
@@CcOo-td8exlove this comment
@CallumHowardBusiness Жыл бұрын
Thanks for sharing, Samuel!
@fernwatson Жыл бұрын
So helpful Samuel. Thank you
@JoshBrocklehurst 22 күн бұрын
Great vid cheers mate
@SIFWD1 Жыл бұрын
Looking forward to the full interview.
@RajneeshKumar-vr1qj 2 ай бұрын
Solid advice mate,cheers
@jeddy_bravo Жыл бұрын
This content is absolute golddust👊bloody legend
@spaceman6215 2 жыл бұрын
The only reason that i would buy somewhere near me. Is to go and veiw it easier, i might want to go 3 times, and if i have to wait for weekends to go do that. Properties right now at least are flying out of estate agents windows. Plus i know my local estate agents and their mamanegemt teams, so i feel i already have a step up than going somewhere new. I'm not sure if that has an affect on ho you look at buy properyy. Thank you for your continued amazing work.
@johnSmith-uz8nl 2 жыл бұрын
This is what Samual did not tell you... the lower the property value usually the higher your rate of return BUT the lower your property value usually the lower your appreciation of the property. I don't know what is the right move. For example, my sister's home is in a pouch neighborhood and the value over the last 25 years went from 435K to 3.6million ($500K invested in renovations). And 25 years ago a cheap condo in poor area cost 60K and today it is worth 150K. This is two extreme cases but you should get my point. And honestly both are good and you need to start somewhere, I own 8 properties and I still am afraid to invest in a pouch area but I now stay away from the poor areas as well. My first two properties were in a poor area and they give me the biggest ROI. Another thing to consider is ONE bathroom and ONE kitchen equals ONE problem. The more you make on each problem the better situation you are in... I would rather profit $1K a month on one bathroom and one kitchen rather then profit $500 a month. Spreading yourself thin is always a bad idea but yes you need to start somewhere. Just make sure you have an emergency fund available, just in case.
@armansheikh8436 Жыл бұрын
Hi John I saved up 20k and I would like someone to guide me. You can charge me for your time I don't mind. Please ask for my socials if you're willing to do so.
@johnSmith-uz8nl Жыл бұрын
@@armansheikh8436 my Montra is do it yourself. U base the risk on goals and age. I like s and p 500 index, nasdaq index and dnp.... to name a few.
@tvangilsable Жыл бұрын
Thank you for your help.
@chamalliyanage Жыл бұрын
Super helpful. thanks
@thetiesareoffpodcast Жыл бұрын
Great video Samuel 🖐
@charlesroyal5125 2 жыл бұрын
This video is amazing. Thank you so much for this
@shahinamotin7366 Жыл бұрын
Slot booked and book ordered👍
@asrarrashid620 Жыл бұрын
If you put your money in the stock market and you get an 10% return you will not double in 10 years. It's compound interest not normal interest on the base. So you need to do investment X 1.1^10 = 259,37%, so the returns will be higher.
@niyiojo5096 6 ай бұрын
Hi Samuel, I am presently watching your 7 days challenge with Evans and I know I am next on the list. I am in a situation right now and that sor of help will go a long way for me.
@EJones-kf2lq 2 жыл бұрын
Samuel , What are your thoughts or experience with purchasing a single buy 2 let unit in Spain to add to a small 🇬🇧 buy 2 let portfolio.
@sankaadikari7700 9 ай бұрын
Brilliant!
@marlocobham7411 2 жыл бұрын
Great Vid although you can definitely lever stocks
@imnezx5013 2 жыл бұрын
Ur not just helping people who invest or sell/buy in real estate I do use ur advices and energy in my field I build computers buy and sell electronics keep teaching us things love u bro
@taggthis Жыл бұрын
What documents do you need for a buy to let? For example, gas certificate etc?
@rebeccaleers766 Жыл бұрын
How much would you expect the maintenance of a house to cost? Is there a good percentage, or a way to check? Thanks
@wtfMYRONL 2 жыл бұрын
You can do this in the stockmarket it's called a CDF (contracts for difference) you can leverage x100000 the risk is if it goes the otherway you lose x100000. But you can leverage with stocks and bitcoin
@mrstheunknown1988 Жыл бұрын
Hey Samuel you are very inspiring could I buy a buy to let in my company name and rent it to myself?
@falahuddindewan3490 2 жыл бұрын
Well said
@khalidsalman1 Жыл бұрын
Awesome man
@DoctorAB282 2 жыл бұрын
Thanks 🙏
@LifestyleWithSofia 5 ай бұрын
Nice one Samuel 😊
@councilestatecrypto999 2 жыл бұрын
Very good as always my man, huge fan, however I agree with your comments on leverage, technically there are ways to use your crypto or gold or silver as leverage in the modern age. I use borrowed money and assets for trading with leverage regularly and also for providing liquidity for investments :) Just a thought :) Keep up good work. Looking to get involved more in property over past year and some of your videos have been extremely useful for background information :) lots of love CEC
@monabayan4337 2 жыл бұрын
So lets say i have a good amount from my previous job enough for a deposit but currently i am unemployed how could i then get a mortgage? Do i have to be full time employed ?
@realkliment Жыл бұрын
New here so just asking a question - isn't a 15% ROI high? Won't a 7% still indicate a good return? Thanks
@rdmatthews 2 жыл бұрын
Thought you sounded like you were from Bucks! (Same as me) Good video thanks👍
@SamuelLeeds 2 жыл бұрын
Biggest compliment ever, I’m from Wolverhampton originally but lived here a few years :)
@blazing48s Жыл бұрын
Can you give us a little more information about the tax implications? I have a mate who owns a lot of properties and he said it’s probably just as effective popping your money in a good ISA these days.
@sahaf6595 Жыл бұрын
Amazing video honestly I wish I could be your apprentice of sumin
@tyronedean1812 Жыл бұрын
Why have I never heard of you. I’ve put myself down for your 1 Day Crash Course. Be aware I have no experience or understanding but will Try my best to get some initial knowledge before the date
@mortybisnought8134 2 жыл бұрын
Didn’t know James corden did finance KZfaq
@gringo.truckin5519 2 жыл бұрын
I want to see you do your financial system here in the US I want to see you help someone be financially free in a week here! That’ll be amazing
@johnSmith-uz8nl 2 жыл бұрын
Buy to let mortgage typically is max loan to value of 75%, so as soon as you have 25% equity you should find it easy to arrange a buy to let mortgage. You just need that 25%
@subikshakrishniahdavies8619 Жыл бұрын
@@Dr4co2023 what income is good for profitability?
@michael43567 6 ай бұрын
And money for the taxes. E.g conveyancing, solicitor etc
@elcristoph7380 Жыл бұрын
You can borrow money from the bank to buy stocks.. you just have a higher interest rate. What do you think CFDs and Options are..
@akashkhetarpal9651 2 жыл бұрын
Hey Samuel can we have a online course aswell because i live in austria.
@jesuslovesyou1 2 жыл бұрын
Remain blessed special people
@millercrypto2093 5 ай бұрын
Wouldn’t rely on size of property on an EPC as depending on certain criteria’s the conservatory, loft room, basement and porch May or may not be included in the report.
@personi001 2 жыл бұрын
I see godness in you Samuel. Trying to lift others around you. After all whats a life worth living if you are of no use to anybody. God bless you.
@comingforya3123 Жыл бұрын
Do u advise getting a buy to let as a first time buyer?
@herryanil4669 2 жыл бұрын
Interesting, could you make a video on what's more worthwhile and profitable between investing in property vs dividend paying REITS?
@onjonone Жыл бұрын
is it better to buy outright or get a mortgage?
@user-bw8sb8qo3z Жыл бұрын
I didn't quite understand and I really want to know how to do it if you could explain it to me more thank you very much
@da_great_mogul 2 жыл бұрын
You can borrow from the bank via a low interest personal loan and invest into the markets. A mid terrace in Norwich will find it hard to appreciate as well as Apple, Amazon, Microsoft etc. Horses for courses for sure but diversification is important and the right advice. Bricks and mortar are great but illiquid.
@Occido391 Жыл бұрын
Taking on debt to buy stocks isn't like buying a property. A mid terrace in Norwich produces monthly rent to service the debts. Apple & Amazon could fall a lot in the short term like they have now and leave you stuck with a debt to service out of pocket and assets worth less than you paid for it. Its really risky to loan to buy shares.
@da_great_mogul Жыл бұрын
@@Occido391 I appreciate the insight but the emphasis would be on investing in the markets, not individual stocks/equities. Compare the performance of the US's S&P 500 over the last 10 years with the UK house market over the same period for example. A property of £200,000 might now be worth £300,000. However an investment of £200,000 into the S&P would be worth £570,000! The mortgage rate and personal loan rate will much the same. I do accept that the property would bring in rental income as well as appreciation so let's add £120,000 to the equation for that and you're still £150,000 worse off. On top of that performance, you'd have benefited from a falling Pound too. Perhaps more importantly, you've also been liquid and able to draw down on your stocks at any time without needing to remortgage your house and be stuck for 10 years with little contingency planning as you have little or no liquidity. Leveraging to buy index tracking funds will always work out more effective. People don't as they don't like personal loans and are very uneducated when it comes to money, preferring to take the road others do instead.
@russellpetrie119 2 жыл бұрын
the great thing is with a recession looming more people will look at renting also cheaper house prices to purchase
@sverma333 Жыл бұрын
With this particular recession comes higher costs from inflation and borrowing. These offset higher rents and lower house prices. Could easily be a good time to invest if you can lock in borrowing.
@russellpetrie119 Жыл бұрын
@@sverma333 just like 89
@11colobos 2 жыл бұрын
Yes, you can leverage stocks, crypto, gold etc.
@terryben4952 Жыл бұрын
Hi Andy nice to meet you,hoping we can talk more if you don’t mind.
@captainellwood6751 11 ай бұрын
do you need multiple property management companies if you are buying in different areas?
@meror6035 Жыл бұрын
Very very well done video ! Highly recommend checking it out for proper beginners ❤❤
@JT_Williams 10 ай бұрын
Do you use one property management company for all houses accross the country?
@pamsimpson3964 2 жыл бұрын
Great video Samuel. I took your advice and am in the process in buying my 3rd BTL in the first year of property investing. Thank you for your inspiration 🥰
@zuhaib2 2 жыл бұрын
Congrats, Did you use mortgages to buy the houses?
@pamsimpson3964 2 жыл бұрын
@@zuhaib2 I bought them cash then refinanced them after renovating. This allowed me to pull the money out and recycle it.
@zuhaib2 2 жыл бұрын
@@pamsimpson3964 that’s great! Must’ve took a while to save up!
@jaycordt8910 2 жыл бұрын
@@pamsimpson3964 when you say cash do you mean you bought them all out right or just the 25% deposit?
@pamsimpson3964 2 жыл бұрын
@@jaycordt8910 all bought with cash.
@jack-ph3lq 11 ай бұрын
Do find it is actually affordable to follow this type of investment taking into account the Stamp Duty tax, where the more properties you have the amount to pay for it gets crazier? Do you think that there would still be a profit?
@sverma333 Жыл бұрын
Are there buy-let websites that show house prices and likely rents so that you can order by roi?
@johnSmith-uz8nl Жыл бұрын
The concept... get a Landlord to do a long term rental, let's say 5 years... YOU NEED TO GET A GOOD PRICE. The LEASE must state that you can rent out the place to who ever and at what ever price you decide. Now... REALITY... you need a dumb landlord cause a landlord with any brains would not sign a lease like that.... in my mind this is almost a con.
@youraiedmeupup6739 Жыл бұрын
Hi San. I have money to invest but not the time as I keep extremely busy at work. What are my options? It would be nice to have a good team of partners to work with. Please advise
@claytonproperty8920 2 жыл бұрын
Is it a good time to buy a rental or wait ?
@Cryptocolt 2 жыл бұрын
How much does it normally cost to eat out of a fixed rate
@towsinatoryt2646 Жыл бұрын
What property management company do you use please?
@djdad2482 2 жыл бұрын
That was the shortest poem ever! 😂
@james26695 2 жыл бұрын
You didnt mention the tax you'd pay on the rental income , theres that too right?
@johnSmith-uz8nl 2 жыл бұрын
I agree that Buy to Let is a great idea. I personally have 8 rentals. But TODAY, IMHO, is not a good time to buy. You make your money in Real Estate by buying low and not by buying high. There could be a recession around the corner and I think it is too risky to get into the game right now. There is currently half a million tenants that have stopped paying rent and are close to eviction. The point is, you buy, you rent it out.... and you tenant stops paying you rent, and you are completely screwed.
@jaycordt8910 2 жыл бұрын
If the tennet stops paying rent you find another tenant simple as that. There isn’t going to be a shortage of tenants 🤣
@johnSmith-uz8nl 2 жыл бұрын
@@jaycordt8910 And you think it is so easy to evict your tenant and that there is no cost to this... PLEASE GET REAL. There is over 500K people that have stopped paying rent... why are these people still in their unites? Getting started in Real Estate is hard and it only gets easier (financially) after that and the more properties you own the less of a risk you have when someone does not pay rent. I have personally experienced non payment of rent and it is not so bad when you have 8 rentals.
@jaycordt8910 2 жыл бұрын
@@johnSmith-uz8nl get a letting agent they will do it all for you, you put things in place so that you find the right tenant
@johnSmith-uz8nl 2 жыл бұрын
There r COVID programs that pay rent for dead beats.just got a check for 10k from this program.
@johnSmith-uz8nl 2 жыл бұрын
@@jaycordt8910 letting agents charge 1 month rent, I would rather do it myself.
@markyelwell995 2 жыл бұрын
Actually if u track gold prices over the past 50 years its the best long term investment
@callummoloney8649 Жыл бұрын
you are a top g
@sethldunn Жыл бұрын
Any spring events?
@steriospeaker 2 жыл бұрын
Hi Samuel. Thanks again for all your excellent content! We are looking to get our 5th property (can’t believe it)!! - and am after some advice. We are considering an air bnb type property - in Wales, which I’m not familiar with (our others are standard btl in England). Do you (or anyone else) know the ins and out of the taxes, and any other expenses bearing in mind it is Wales? Any tips or advice would be really really appreciated. Thanks Dave T (long term fanboy 😂🤙🏻)
@kylejames5121 2 жыл бұрын
Boom 👊🏼👊🏼
@hdnabdi8302 2 жыл бұрын
Agree
@LearnEarn247 2 жыл бұрын
hi samuel i am planing to buy investment property in Middlesbrough just need yout advice on using property on airbnb instead of AST, is there a good potential in Middlesbrough for making money through airbnb strategy?
@gulag8735 Жыл бұрын
I've been looking at Middlesbrough too. Did you buy?. How much was the property?
@RestoreITdontJunkIT 2 жыл бұрын
🐐
@frankjacobs8459 Жыл бұрын
Good luck
@DrAhmadNabeel Жыл бұрын
Where can you find a property with a 15% ROI net profit??!
@ichallenge2357 Жыл бұрын
I finded property for 50000 will I get buy to let mortgage?or it must be 70000
@frankganis3503 2 жыл бұрын
Will you ever come to the US
@tonyashfield8536 Жыл бұрын
Do you do crash courses in Tamworth uk Sad mr Tony Ashfield
@OneAajis Жыл бұрын
God-bless you're a star
@taggthis Жыл бұрын
Hi, I have 60k to pay off on my mortgage for a 1 bed flat but I am planning to buy a house with my partner going halves. Shall I just try to pay off my one first mortgage so it will truly be an asset?
@MandisaKhanyile93 2 жыл бұрын
Please come to South Africa 🇿🇦 I need the property FF challenge
@MandisaKhanyile93 Жыл бұрын
Will do 👌
@politendjarakana8756 2 жыл бұрын
Hi Leeds, I am from Namibia 🇳🇦, does your country allow foreigners to own property? If so I will venture into buy select.
@politendjarakana8756 2 жыл бұрын
Wow this reply’s are scams, guys the real Mr Leeds is not desperate and stupid like u guys, go scam somewhere else , I will find my way to him.
@tracymoo5865 2 жыл бұрын
A house advertised for 260k(not so good area)one or two buyer putting down offer, I make 3 bids, the last one is 275,500,The agent called me once day if I agreed want to paid 285k,it's mine, I didn't play it I accepted the offer right away, after 2 days I call the agent can the price be reduced, the agent rejected and never want to talk to me? Could anyone let some comment for me?
@paulho5673 4 ай бұрын
find me any property that doubles in value and has a roi of 15%. do you just buy a house and turn them into HMO?
@michealdouglas8206 Жыл бұрын
Most people are taught that "you only need a good job to become rich". These billionaires are operating on a whole other playbook that many don't even know exists.
@johnSmith-uz8nl Жыл бұрын
Yeah, you're tired if you get a job and if you invest your money wisely it's called slow and steady. You're the turtle. You will become rich when you retire. And this is true. But most people don't have the patience and the understanding on how to invest properly, most people buy nice cars, nice TVs etc. And blow their money that way in life.
@dancodmobile5050 Жыл бұрын
Spot on
@johnSmith-uz8nl Жыл бұрын
@@dancodmobile5050 ther is a saying that lovers say..... I will only live once.
@mrprice9076 Жыл бұрын
Thanks Sam 💥🏆
@johnxina2361 Жыл бұрын
Where are you getting the money for a deposit without a job...
@daidavies6210 Жыл бұрын
i have £400,000 and I’m investigating this as a Business In Wales there are 2 bed houses for as little as £28,000 we are looking to buy around 4 of them and a Commercial property with 3 Flats above for £94,500 , the rental for all properties is around £4500 to £5000 No Mortgage, We will have around £200,000 in the Bank left as backup,We then want to get a £400,000 Mortgage with £50,000 deposit and a repayment over 25 years at £1956 to Buy More Homes is this Viable ?
@adedejiandu6423 Жыл бұрын
Hi @samuel Leeds Why the survey, independent survey!
@commuterbranchline8132 Жыл бұрын
Thank you for a great video. I’d love your video, even more without shouting…..
@bombastastes3479 Жыл бұрын
Maybe a silly question , but why not buy the house out right with out the mortgage , is that not better ?
@sm1805 Жыл бұрын
Because you’ll use the tennant to pay the mortgage for you + profit and you can use that liquid cash to put a deposit on another property and repeat. This way you houses are getting paid for and you can build a portfolio
Ranjan Bhattacharya - Succeed In Property
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Samuel Leeds
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