This guy is a mentor. No ads during his videos, straight up information shared and he isn't trying you sell anything. Whoever disliked this video clearly wanted a get rich quick scheme. it is ridiculous to consider that 95% LTV back in 2008 time; house priced have probably doubled since the crash and rental income is probably up a good 25%. Granted, interest rate for mortgage was probably higher but people must have made a lot of money who are selling now.
@TheSajHussain3 жыл бұрын
Thanks AP
@samuelojo8353 жыл бұрын
Really good video, easily the best beginners guide to property investment I’ve seen yet. Answered pretty much all my questions!! Will be checking more videos!
@TheSajHussain3 жыл бұрын
Glad it was helpful! Do subscribe and share the channel with your friends.
@comeonman74232 жыл бұрын
Absolutely golden advice, thanks! Subscribed!
@271chrissy2 жыл бұрын
So clear about what to do thanks.
@yasirzafar17992 жыл бұрын
Awesome info
@TheSajHussain2 жыл бұрын
Thank you
@polinadamianova3 жыл бұрын
Thank you for sharing your knowledge!
@TheSajHussain3 жыл бұрын
My pleasure!
@sshah33242 жыл бұрын
Well explained thank you
@TheSajHussain2 жыл бұрын
Thank you
@ASIF-ni4zs3 жыл бұрын
Very informative video, thank you for spreading your knowledge,
@TheSajHussain3 жыл бұрын
Glad it was helpful!
@market-my-press83282 жыл бұрын
Great content 👌. Thanks. Mahesh. Ireland
@TheSajHussain2 жыл бұрын
Many thanks Mahesh.
@faisal_amin3 жыл бұрын
Great stuff. A very good educator. No drama .. to the point.
@TheSajHussain3 жыл бұрын
Thank you.
@nickwalters33213 жыл бұрын
Great video very easy to understand and broken up brilliantly
@TheSajHussain3 жыл бұрын
Thank you Nick. If you are enjoying these videos, then please do share them with your friends.
@almurabitun3 жыл бұрын
Fantastic advice Saj. I'm looking to buy my first property buy to let and have a target of 3 years to do it. Would love to pick your brain more in the coming future.
@TheSajHussain3 жыл бұрын
Thank you. The best way to do that is join me here on KZfaq for live Q&A every Monday at 8:30pm.
@Patriciovaldivieso Жыл бұрын
Amazing content, thanks.
@ZachGinnOfficial3 жыл бұрын
It's really informative one.... 👍
@TheSajHussain3 жыл бұрын
Thanks a lot 😊
@TheJellyBabyxxxx3 жыл бұрын
Checking area supply & demand is essential. Too often people buy to let where they want. Then realise they've got to join the long queue for vetted tenants. Then they get squeezed on rent so much that it doesn't cost in.
@TheSajHussain3 жыл бұрын
Yes, demand is vey important.
@designer17373 жыл бұрын
Hi, so should you be applying for a mortgage first or finding a suitable property first? Very well explained, thank you!
@TheSajHussain3 жыл бұрын
Make sure you are mortgageable first
@ddevil8923 жыл бұрын
This is just awesome. All information i was looking for. Thanks. 👌🏻🤝🏻
@TheSajHussain3 жыл бұрын
Really appreciate the support Damian, make sure to keep sharing with your friends and family!
@felipesanchez92013 жыл бұрын
Sajid you are an open book.
@TheSajHussain3 жыл бұрын
Try to be as honest as I can Felipe 😁
@mohammedsaghir15023 жыл бұрын
Very well explained, Thank you
@TheSajHussain3 жыл бұрын
Glad it was helpful!
@kelechichigbo18012 жыл бұрын
This is amazing info! Thank you
@TheSajHussain2 жыл бұрын
You are welcome
@carlmcbryde4983 жыл бұрын
Absolutely fantastic info. Thanks
@TheSajHussain3 жыл бұрын
Thank you Carl, if you are enjoying these videos, then please do share them with your friends.
@TT-nc3qh2 жыл бұрын
Good videos these, informative and no bullshit.
@TheSajHussain2 жыл бұрын
Thank you
@skyhighhangover33563 жыл бұрын
Assalamu Alaikum Saj! As we are planning to move to Belfast in coming months from China. Also planning to have our own home. So, come to KZfaq to learn about buying property there. It's been my first ever experience to watch your video about property buying. It's really helping. I hope I will definitely ask few questions from you after seeing relevant videos. I subscribed you. Thanks for such informative video.
@TheSajHussain3 жыл бұрын
Salaam Sajid, I'm glad these videos are helping you on your journey.
@supercarjude72013 жыл бұрын
Amazing.
@TheSajHussain3 жыл бұрын
Thank you!
@supercarjude72013 жыл бұрын
@@TheSajHussain I'm currently 15 trying to work out plans for potentially a future career in property, any advice or things to do in particular? If I get an apprenticeship I should have £25,000 saved by 17 and six months old. what would you advise I do with that money at that age on the basis I could probably get my mother to host a mortgage. thanks, jude
@paulnite99803 жыл бұрын
Hello Saj, this is my first time on your channel,. Great video I must say... very informative 👍
@TheSajHussain3 жыл бұрын
Welcome aboard! If you haven’t already, then do subscribe to the channel and enable the notification bell so you don’t miss any of the videos as they are released.
@paulnite99803 жыл бұрын
@@TheSajHussain most definitely. My brother and I are setting up a LTD company and going into property and your videos have the right information we need to get started.
@brookeparker96153 жыл бұрын
So helpful, thank you Saj!
@TheSajHussain3 жыл бұрын
Glad to hear the video was useful for you Brooke!
@tamilpride3213 жыл бұрын
great video as always
@TheSajHussain3 жыл бұрын
Thank you Bob
@smirka73 жыл бұрын
Thank you for the info!
@TheSajHussain3 жыл бұрын
You are most welcome 👍🏼
@MrHackerDude1003 жыл бұрын
Thanks mate! Subscribed :)
@TheSajHussain3 жыл бұрын
Thanks for the sub!
@sandeepjuneja57163 жыл бұрын
Amazing content, brilliant!
@TheSajHussain3 жыл бұрын
Really appreciate the support Sandeep!
@MeMe-wz5hv3 жыл бұрын
Very informative. Great content.
@TheSajHussain3 жыл бұрын
Glad it was helpful! If you are enjoying these videos, then please do share them with your friends.
@delphiproductionsmusic2 жыл бұрын
Great video! Could you do a video (or already have one) on revaluing a single let property as a hmo?
@TheSajHussain2 жыл бұрын
Here you go kzfaq.info/get/bejne/l9xhf9in256sn58.html
@melissayeadon95663 жыл бұрын
Great content Saj 👏🏽👏🏽👏🏽
@TheSajHussain3 жыл бұрын
Thanks Melissa. I hope you and the family are keeping well.
@melissayeadon95663 жыл бұрын
@@TheSajHussain all good thank you. Hope you and your family are too.
@TheSajHussain3 жыл бұрын
@@melissayeadon9566 yes thank you. We should catch up soon.
@melissayeadon95663 жыл бұрын
@@TheSajHussain would love to. Let me know when is good for you.
@Albert-PhotonChem2 жыл бұрын
Suppose you have a residential mortgage. If you move to another city one year after getting the mortgage. Are you allow to rent your house? Thanks for your videos! Great job!
@TheSajHussain2 жыл бұрын
You need to get 'consent to let' from your mortgage provider.
@candytsang99712 жыл бұрын
Thanks for the informative video! What’s your advice on whether to get an interest-only BTL mortgage or one with repayments to better shield us from property crisis that’s gonna happen at some point in time?
@TheSajHussain2 жыл бұрын
This video will help. kzfaq.info/get/bejne/pripfbGYmsrWfp8.html
@iLoveAppl39473 жыл бұрын
Nice. Hopefully we can see you in the office in the future for business purposes. This is gold mine for me. I own 2 assets, 2 plots of land with river frontage and i wonder if that will help me as a security. Thank you Saj
@TheSajHussain3 жыл бұрын
Hopefully we can start meeting again soon, if you haven’t already, then do subscribe to the channel and enable the notification bell so you don’t miss any of the videos as they are released.
@dre7sus3 жыл бұрын
Thank you 💯
@TheSajHussain3 жыл бұрын
You're welcome! If you are enjoying these videos, then please do share them with your friends.
@sjknight75823 жыл бұрын
👏🏻 fantastic video that cleared up one of my queries so thank you 🤗. I do however have another if I may... I purchased my flat in Birmingham under the RTB in 2018 meaning it is still in the 5 year period with the council. Unfortunately I couldn’t get the resi mortgage & the RTB to match up (one would always expire before the other was ready) so I had to purchase with cash as I was concerned the government were going to pull the RTB plug & I didn’t want to lose it. I’ve moved out to my partners & we’re renting here as it’s so expensive to buy & I’ve refurbed the flat in Brum & it’s now tenanted....brilliant..but..I know I can’t get a BTL remortgage on it until the 5 years have passed but I’d like to pull the 50-60k equity I have trapped. What’s the solution please? I have no savings as everything is tied up in that flat. Possible bridging? Would I be able to use the flat as a second charge? Thanks very much 🤗
@TheSajHussain3 жыл бұрын
Hi Sarah, probably best to sit down with a good independent mortgage broker. They may be able to find you a finance product.
@sjknight75823 жыл бұрын
@@TheSajHussain Hi Saj, many thanks for coming back to me with that advice, I shall look into it. Thanks again 🤗
@Ali-cx3mm3 жыл бұрын
Love your videos! 😁😁
@TheSajHussain3 жыл бұрын
Thank you Faiaz. I appreciate your support.
@avtarchana51193 жыл бұрын
Hello Saj, please do recommend me a broker. Thank you.
@TheSajHussain3 жыл бұрын
To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/
@talootarabi73523 жыл бұрын
Fantastic video. Very useful. Could you recommend a broker for a buy to let please. I do watch all you videos.
@TheSajHussain3 жыл бұрын
Connect with me on Facebook or Instagram.
@Sandman07922 жыл бұрын
What are the factors we need to consider if we already have a mortgage on a property that we live in, but want another one to rent out?
@TheSajHussain2 жыл бұрын
Your existing mortgage is probably a residential as it’s your home. The next one will be a Buy To Let and will have different criteria.
@Sandman07922 жыл бұрын
@@TheSajHussain I think what I was trying to ask was, whether the residential mortgage would have any effect on/cause issues for taking out a 2nd mortgage via buy to let? Thanks for response!
@francissaunders40502 жыл бұрын
Hi Saj, love your channel. Could you please share a couple of sources with me please. A good mortgage broker and an accountant who is savvy with B2L company setups for the purposes of future taxation, i.e. A and B shares, etc. This would be really, really helpful and I'll be sure to mention you to all parties concerned. Thanks
@TheSajHussain2 жыл бұрын
To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/ We will then look at your needs and connect you with the person we think can best help you with your situation.
@keithstewart5113 жыл бұрын
very helpful with lots of info. Nice pace, easy to follow and helpful. Do you know of any morgage companies that are good for remortgaging ex local authority properties. I own 2 outright and want to raise cash to buy more? Thanks. Keith
@TheSajHussain3 жыл бұрын
Keith I can refer you to one of our brokers. To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/
@keithstewart5113 жыл бұрын
@@TheSajHussain thanks - just sent you a contact form. appreciated.
@buney2 жыл бұрын
Can I utilise a buy to let using cash only and not have use a mortgage Saj?
@viyank66443 жыл бұрын
Hey Saj! Thanks for the content, can we have a residential mortgage and live in the property along with renting it out
@TheSajHussain3 жыл бұрын
You will probably need to get permission from your mortgage provider.
@viyank66443 жыл бұрын
@@TheSajHussain thanks Saj, how to get away with tax on rental income legally
@sas.nimastig81182 жыл бұрын
@sajhussain What a great video, Saj. Can you please advise a/some good mortgage brokers? for residential and BTL purposes I live in London and starting to begin my property journey but want to start from smaller cities. That would be hugely appreciated.
@TheSajHussain2 жыл бұрын
Nima to access my contacts, use this link www.sajhussain.com/access-sajs-contacts/ We will then look at your needs and connect you with the person we think can best help you with your situation.
@annesleyrademeyer6232 жыл бұрын
Good day Saj, I finally got my first investment property that I am managing a few cities away, its my mom's house. My question is, the tenants work Mondays to Fridays, they're only home on weekends, how do I approach the fact that I want to add 2 additional units in the back yard which will be attached to the main house, while the contractors only work Mondays to Fridays as well?
@TheSajHussain2 жыл бұрын
Firstly, have an open conversation with them. If they need a bit more encouraging then incentivise them e.g. a rent discount.
@Logan.A.rademeyer21472 жыл бұрын
As always, great advice from a great teacher, thanks Saj, much appreciated
@serdaragirbas74873 жыл бұрын
Soo if i were to buy a property Cash, can i re-mortgage and would the payout be for the full amount of the Property Value? Great Vid by they way 👍
@TheSajHussain3 жыл бұрын
Yes you should be able to. This video will give you more detail - kzfaq.info/get/bejne/q9V3i5iHyb3ShmQ.html
@thomascaptain11103 жыл бұрын
Very helpful video. Do you have to have a primary residence already in order to get a buy to let?
@TheSajHussain3 жыл бұрын
It's not necessary but makes it easier.
@nathancohen30783 жыл бұрын
Hi thanks for the video very useful quick question if I'm 19 y o how do you think I can break into this market with nearly no capital
@TheSajHussain3 жыл бұрын
Hi Cohen, I would say a great way to get into the property market with no capital is deal sourcing. Here is a video which can help you on that: kzfaq.info/get/bejne/gbyaf8KDtrXXlmQ.html
@nathancohen30783 жыл бұрын
@@TheSajHussain tx
@Kamil-sn3ih3 жыл бұрын
Great channel. Subscribed already. Wast amount on knowledge. You should be giving talks for students. Btw .. it should be mandatory
@TheSajHussain3 жыл бұрын
Thank you Kamil for your kind words.
@antoniopalmiero67612 жыл бұрын
I have money to do down payments but i have a minimum wage income wit h 0 hours contract there is any possibility to have this kind of mortgage?
@TheSajHussain2 жыл бұрын
Buy To Let's are primarily based on the property you are buying and not your income. A good mortgage broker should be able to guide you.
@lijo0553 жыл бұрын
How can I find a good builder for renovation of my property
@TheSajHussain2 жыл бұрын
Here you go kzfaq.info/get/bejne/g9CbeLajs5vDqZs.html
@lisa8606 Жыл бұрын
Hi Saj Can you please suggest some good brokers? Many thanks 😊
@TheSajHussain Жыл бұрын
Send my team a message on Instagram, they'll recommend you someone. @thesajhussain
@spellczech85913 жыл бұрын
Great content.. Bit of a q.. I bought at height of property boom for 150k up north. Living in the property and still have half to repay. What are my options in terms of releasing some capital if any. The property hasn't increased in value tho ☹️
@TheSajHussain3 жыл бұрын
Hi Spell, I would speak to a good mortgage broker and see if they can find you alternative mortgage products that may help you achieve what you want. A key consideration will be the current level of equity in the property.
@muhammadrahman51433 жыл бұрын
Hi saj, quick question I have 5 years fixed mortgage if I wanted to remortgage my lease hold flat do I have to wait till it's over and secondly what is the minimum income requirement lastly what is the maximum money I can take out on remortgage. Thank you in advance
@TheSajHussain3 жыл бұрын
Salaam Muhammad, you can change your mortgage anytime but you will need pay the early repayment charge whilst you are in the 5 year fixed period. Income requirement varies from lender to lender. Important thing to do is to talk to a independent mortgage advisor. You can message me on Facebook if you'd like me to connect you with someone, @TheSajHussain
@sandeepjuneja57163 жыл бұрын
Is there a video on mortgages as a limited company?
@TheSajHussain3 жыл бұрын
Hi Sandeep, no this video covers it.
@london66ify3 жыл бұрын
Thank you for all the information. If someone is a tenant ( renting where they living ) , can they get a buy to let mortgage ? ( though LTD company) And also, what is the minimum mortgage for a buy to let mortgage though a LTD company? Thank you so much for all your videos, been watching your videos and they are amazing.
@TheSajHussain3 жыл бұрын
Sabeer, it would be possible but not easy. Best to speak to a good independent, whole of market, mortgage broker.
@london66ify3 жыл бұрын
@@TheSajHussain Hi Saj, Thank you for your reply. Do you know or can you recommend a good mortgage broker? Once again, many thanks for all your videos. Really appreciate all your information and videos.
@ammarhassad273 Жыл бұрын
Is Buy to Let investing halal? and does the islamic banks have all the mortgages that normal banks offer such as re mortgage, buy to let..
@umarkhan10273 жыл бұрын
I have bought property buy to let mortgage. I am doing full renovation can I sell it without paying any penalties
@TheSajHussain3 жыл бұрын
Those are the "expenses" you need to keep in mind when doing your due diligence and seeing if the figures will work on the project.
@sshah33242 жыл бұрын
I am renting property I don’t own any property can I get buy to let mortgage my income 16000 a year
@iullyy863 жыл бұрын
Hi Saj.Is it possible to pay some bills with credit card for few months to be able to raise money on current account for btl deposit ? How the lenders look at this if manage to stay below 30 percent on credit card usage.Thank you
@TheSajHussain3 жыл бұрын
Hi Lulian, I dont think that is possible.
@iullyy863 жыл бұрын
@@TheSajHussain Thank you for reply.Really appreciate
@iullyy863 жыл бұрын
@@TheSajHussain Thank you Saj. Really appreciate.Kind regards
@abednaboulsi35573 жыл бұрын
I much appreciate the golden knowledge you give us for FREE, Kindly asking if you can help me with a good mortgage advisor. Best regards. Abdul
@TheSajHussain3 жыл бұрын
Abed, to access my contacts, use this link www.sajhussain.com/access-sajs-contacts/
@abuahmed42263 жыл бұрын
Hi say, could you recommend me a experienced accountant who deals with properties.
@TheSajHussain3 жыл бұрын
Abu message me on FB or Insta.
@nickwalters33213 жыл бұрын
I work in Norway and get paid in Norwegian krone can I still get buy to let deals in the UK? I'm British and a resident. I pay Norwegian tax tho not UK?
@TheSajHussain3 жыл бұрын
Best to discuss this with a mortgage broker. If you need a recommendation message me on FB or Insta @TheSajHussain
@nickwalters33213 жыл бұрын
@@TheSajHussain thank you for your reply. I'm not on fb or insta ill message you on LinkedIn
@jamesgrant38123 жыл бұрын
Could you recommend any brokers or sociliters for a standard btl mortgage
@TheSajHussain3 жыл бұрын
James, message me on FB or Insta and I'll connect you.
@amreenakhtar2750 Жыл бұрын
Can I have details of a broker please?
@farcoder3 жыл бұрын
Hi Saj, can recommend a good broker for a commercial HMO mortgage?
@TheSajHussain3 жыл бұрын
Speak to Joe Lane facebook.com/joseph.lane.921
@its_nicha96563 жыл бұрын
Hi thank you for this video Are deposits on buy to let mortgages more than a typical mortgage or would a 10% deposit be accepted for a buy to let ?
@TheSajHussain3 жыл бұрын
Thanks for support, this all depends on the bank you go with.
@zpetro72153 жыл бұрын
Great video .I'm looking for a mortgage broker if you could help me..thank you
@TheSajHussain3 жыл бұрын
To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/
@harveymyers83063 жыл бұрын
Hi Saj you haven’t got an IB agreement have you?
@TheSajHussain3 жыл бұрын
Sorry Harvey, I don't know what you mean.
@sajidgilani13863 жыл бұрын
Hi Saj, thanks for all the information ... am trying to start from scratch and hoping to start as a ltd company . will the mortgage be termed as commercial mortgage ? are they as easily available as the new company would not have any history apart from the seed money we put in as directors loan ..... also am assuming in this video u mentioned u would prefer to fo for 20-25 years term but will be remortgaging every 2-3 yrs to pull out more equity etc coz after fixed period rates would up
@TheSajHussain3 жыл бұрын
Buy to Let mortgages in limited companies are much more common these days. A good mortgage broker should be able to help you with this. You will probably find this video helpful - kzfaq.info/get/bejne/q9V3i5iHyb3ShmQ.html
@sajidgilani13863 жыл бұрын
thx a lot.... its so weird am almost 40 and just like u mentioned u had to wind up your IT for some reason at around 40 i am in similar scenario :-) hope my next 15 goes in learning and growing like yours :-)
@huiputka13 жыл бұрын
Saj, water your plants mate 😆
@TheSajHussain3 жыл бұрын
Lol, I know
@quister533 жыл бұрын
Are you not bothered about riba? Was hoping to find investment tips without mortgages
@TheSajHussain3 жыл бұрын
Salaam Tee, I absolutely am and have some Sharia compliant strategies that we use. However, although the UK is probably the most advanced country in the West when it comes to Islamic Finance we are still very limited to the options available when it comes to property investing. If an enough people want it I'm happy to do a video on Sharia compliant strategies for making money from property. I'd also suggest checking out @IslamicFinanceGuru
@gamergame90233 жыл бұрын
@@TheSajHussain please do uncle!
@abdihussein48723 жыл бұрын
Saj please do Sharia Complaince video as I am intrigued to know how is it possible... Thanks
@gamergame90233 жыл бұрын
@Monica Murray it’s called respect
@gamergame90233 жыл бұрын
@Monica Murray you’re getting rude off KZfaq comments allow it AUNTY 😂
@nickross43073 жыл бұрын
HOMES SHOULD SHOULD BE HOMES FOR PEOPLE TO LIVE IN NOT FOR BANKING AND INVESTMENT REASONS.... THE BANKS ARE TO BLAME FOR THE PRESENT CRISIS....
@TheSajHussain3 жыл бұрын
What landlords do is create homes for people that the government is failing to provide.
@parvinaaaaa3 жыл бұрын
I’m very new to this why would your remortgage a property if you already own it?
@TheSajHussain3 жыл бұрын
It's to borrow money against it to buy more property.
@husseinahmed49133 жыл бұрын
Hi Saj , i like your content. please could you pass me your mortgage broker details. i want to remortgage and buy a new property buy to let.
@TheSajHussain3 жыл бұрын
To access my contacts, use this link www.sajhussain.com/access-sajs-contacts/
@asifgoldmine2283 жыл бұрын
tenk kuu come agen
@TheSajHussain3 жыл бұрын
Thank you Asif.
@sevimyilmaz18993 жыл бұрын
Why is keep changing camera on your face. Quite annoying,