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@@BritishHomeInvestors maybe how to organise how to save on items you spent on tax side on property investments before payment to government tax? Thanks
all this work to simply understanding and navigating the man made tax system and avoid giving your hard earned money to the treasury. it's almost like they do it on purpose
Starmer said “ no tax rises” what a lying moron, his bull crap manifesto, was just a total lie and there was no mention of his pensioners smash and grab , they said the Tory’s lied, but starmtrooper is a superstar when it comes to lying bull crap.
Thanks for the comment. You need to ask agents to investigate if buy to let properties for sale on their books are owned by individuals or companies. As this distinct could save you a lot on stamp duty
Different type of landlords but if someone has a home since 70’s and brought it for 3000 how can they now charge that monthly😮. Also some people have 15-20 houses this increasing demand and driving up prices. Also housing developers are being sold land which the council should be building council houses on, sometimes taking down a block of council houses and then building private homes. The uk is too small to be completely free open market when it comes to housing. I’ve listed some ideas and problems.
You’ve raised some valid points. Property values have certainly skyrocketed over the years, and it's understandable that there are concerns about affordability, especially when comparing today’s rents to what homes originally cost decades ago. As for landlords owning multiple properties, it does impact supply and can drive up prices. The issue of land being sold for private development instead of council housing is also a big concern when it comes to meeting public housing needs. Thanks for sharing your thoughts! Best, William Gale
If they rent cap me, I’d have to put my rents up because I’m still very cheap, the local agents who I know very well have told me to put all my rents up , I’ve kept them down because my tenants can’t afford to pay more and we have to look after them , aswell and if I’m still making money I’m ok with that,
@@BritishHomeInvestors but what costs could go up the interest rates have already gone up, I’m a plumber so I’ve put 3 boilers in over the last couple of weeks, being able to do most work myself does help, it does keep me busy I have to admit, there’s always something needs doing, but I do think if you keep the tenants happy they tend to stay longer , and surely that’s good for business,
You’re lucky in that you can invest your time and expertise. But if someone had to pay to install the near boilers for instance, that’s what lead to rents increasing etc. Sounds like you are an excellent landlord and I agree better to have good happy tenants paying less.
This is a really good video thank you very much for this. This relates to a probate property and my two limited companies one is a trading company and one is a property investment company - what if I transfer or sell the property to my investment company at no gain or minimal gain? Does the stamp duty relief still apply?
@@BritishHomeInvestors thank you for replying. my real ask here is, if I intend on flipping the property but due to a change of circumstances I need to rent out out - I do the transfer… will the probate relief still apply? And is there a specific timeframe the property needs to stay in the trading company before transferring?
I don’t think the probate relief would apply. I think it would be clawed back by HMRC. Because the end outcome is you are keeping it but just changing the ownership structure. I would double check with an accountant on this
I've always done this within a month. However HMRC don't give a specific time frame. With a transactions like this work with a reputable accountant to make sure everything structured correctly.
I had over 35 applications for a 3/bed house , landlords are selling up and I’m seeing it everyday, there is a massive shortage of houses for families to live in, and it’s only going to get worse, the new rules are the problem, there is going to be thousands of homeless people very soon,
I completely agree. If the government increased production of new homes, solved that. Then moved onto making life harder the the supply of rental properties. Then that may have worked. But to smash landlords, that smash the supply of buy-to-let properties. In the middle of a housing crisis. Is just madness.
Agreed. If the landlord needs to take more risk. Then there needs to be more protections against problem tenants in whatever form. If rules changed that made mortgage lending more risky. Then we would all see mortgage rates go up. Exactly what has been in the case in Ireland. In Ireland it is so hard for mortgage lenders to evict people in mortgage arrears to take control of the property to sell, that all the mortgage rates are significantly higher than here in the UK.
Im thinking 🤔 why they have driven the inflation higher so that they raise prices in the mortgage market so small landlords can’t get remortgages and have to sell as not viable business model anymore While big capital investment companies like legal and general invest their stake holders pot into the property market creating more shared ownership where people can afford only a 25% share buy but due to low wages can’t afford to buy the rest of it but keep paying rent to the owner Even food companies are in on the act Lidl Morrison Tesco all building skyscrapers development with a shop in the basement street level feeding all the apartments so small landlords will be out of the market also I’ve noticed that the developers are offering 1.49% mortgages to the new first time buyers for like two years so good luck on that one when they can’t afford the next mortgage next two years time at double if not more than their current mortgage on the share of the house and paying astronomical service charges In London Mayor khan has been using council tax money 9.5%= £ 323! to join the development of high rise buildings with 250 so called affordable flats to increase the council tax intake like any investment where are the returns going? Not a return to the initial council tax payers!! This seems to me the answer why flood immigration is so overlooked because they need more bums on settees to keep the bubble going. Infrastructure just isn’t there to cope with it all as you can see in the nhs while waiting between 3-10hrs to be seen everywhere is packed or stretched to the limits and causing resentment for those who have not lived this way before
Sold mine off! The rents were virtually same as social rents. No help ever given for these "private" social housing houses. So "socialist" council you will now have to find your own £100k to build a house, and maintain and insure it service the tenancy etc. OOOh I haven't got any money ... its okay just put CT up and parking charges, shut libraries pay juicey pensions to your low output workers and general inefficiency. By the way the congestion charge has put repair etc prices up. No wonder only one in five of voted Slobbour... about the same proportion as pubic sector... funny that.
The purpose of the channel is to share my experience, build a community and of course if viewers trust me enough, I'd love you/them to use my services. Is that a bad thing?
Very tough market. Generally less than half of properties on the market are actually selling. In some areas as much a 90% of properties on the market are not selling. So naturally the portion of properties that do sell tend to be those that are dropping their prices to make sure their the most competitve properties available.
Agreed. I think at the moment much of the market has slowed a little due to the concerns of the upcoming budget. But in reality, the underlying property market is still pretty strong and interest rates are edging downwards.
So after the Thatcher "right to buy" of social housing stock of the 80's a new wave of private landlords followed.Government then decided to cease building new social housing stock and that is where today's problem started.The beginning of population growth ensued and the private landlords quickly soaked up all the rental demand. This concept was treated as an investment vehicle but over time more and more legislation was applied to the landlord that they were turning into semi social workers with responsibilities outside the original deal.With the removal of financial benefits eg mortgage interest etc it was becoming more of an unattractive investment.Conclusion is landlords leaving in droves and tenants finding it increasingly difficult to find decent properties.Starmergeddon answer is to introduce "The renters RIGHTS bill" and promise 1.5 million new social and affordable housing which has been promised over last 60 plus years but never delivered.
While paying off your mortgage can offer peace of mind and financial security, it's important to weigh the potential benefits of continued investments, especially with the power of compound growth. Finding the right balance between debt repayment and smart investments is key to building long-term wealth. I think I see and feel a new element in this video that sets it apart from the others. What’s your take on this?
I agree with you 100% I think the key is that balance can be different for different people. We all want black and white answers but with this it’s more nuanced.
We just had to refinance our mortgage after a 2 year fixed period, the interest rate went from 2.2% to nearly 7%..............so we are now fixed for another 2 years at 7%. Makes my blood boil and never been so driven to get that thing paid off. The record rate increases the past year or so just shows how important it is to pay off your mortgage if you get a chance. We also own buy to let properties and needless to say those mortgages have nearly doubled......
That is frustrating! The worrying thing is that exact example you’ve given is being felt by a huge portion of homeowners atm. We’re getting a lot of homeowners that bought at 2.2% and now need to sell because can’t afford the re-mortgage which is gutting to see.
I have listened to Samuel, but when I visited his event, it all smelled... Staged and front. After this I found your channel and never got back to his content🙂
@@BritishHomeInvestors yes, I repeatedly ask you for some hands on videos😉. How do you pick the area, analyze the property etc. Thanks for what you are going!
Good video - I do both. Only overpay the mortgage by the amount of interest charged and then each general payment comes off the capital owed - 3.25%. Have no high cost debt. Thanks 😊
Thanks for posting. With the inflation affecting the incomes as well, it means you can buy less today than an year ago (unless you got a pay rise). Doesn't that make the "properties are cheaper now" idea null? Thanks
It does if wage inflation is slower than house price inflation. But as an average, wages have grown by more. So in effect house prices are less. The variable is debt. The moment you consider a mortgage and therefore how interest rates that’s what negatively impacts overall affordability
Wrong - If you are thinking there will be less BTL Landlords to compete with then think again. It’s the big boys buying up ex office blocks and building large new blocks who will be taking up the slack. This is what all this is about and always has been. This is who current Landlords will be competing with
I agree. I believe I make this very point at the end of the video. That the big corporates will take over a clearer playing field. Less landlords, but far bigger landlords.
The section 21 ban will in part worsen the housing crisis by forcing landlords to only accept the highest paid, most squeaky clean tenants. Previous to this we have had a culture of trust to some extent- providing people meet and surpass a threshold, we are willing to give them the benefit of the doubt and let them get themselves a home and move on with their lives. Now that will be shattered; and only those with the more privilege (better educated/connected> better jobs) and wealth will dominate the sector. It also raises issues in multi let hmos- what if one tenant is just not a nice person- a sex pest, or unhygienic, or too noisy for example? Unless these things are done to the extreme and reported on, there won't be section 8 facility to get rid of them, while the other 4 or 5 people have to suffer
How much inheritance tax is there to pay on your property portfolio worth £325,000 if single or £650,000 if married? What if you leave your property portfolio to your spouse and children?
Some landlords are selling up, I am seeing it on the ground now I’ve bought a few, but I do this as a living job , and any rules are just another occupational hazard, best way is to just get on with it, ,I don’t know any landlords who are running at a loss , maybe in London there could be problems, but I’m still making a profit so I’m staying with it,
When you open up the borders to insure there’s far too many people! Then these people need protecting. How many landlords voted against mass migration? Its stacked in the landlords favour! Councils should be forced to bulk buy homes now!
@@BritishHomeInvestors lol. What about water reservoirs. Roads. Hospitals. Doctors. Prisons. More police. More courts. To deal with all the extra people. Oh yeah. That means more taxes. What a dumb answer . End of the day the damage is done. All housing should go back to local councils.
They want private landlords out ,no doubt big players will come in ,the government want our wealth, they want control they want us subservient to a handful of world tyrants
I hope their naive to the fact that their creating the very issue you mention. Big corporates taking over. I have a video coming out soon on this topic
Seems private property isn't really a thing anymore :) Why would anyone be a residential landlord in the UK? They won't and even more will sell up causing more demand pressure, alongside infinite immigration. What could possibly go wrong?
Thank you 🙏 Yields are actually higher. The issue is debt. Debt has got so expensive and a big portion of landlords use a lot of debt and that eats into the higher yields profitability. For those using no or little debt. Property still provides good returns compared to index funds for instance.
@@BritishHomeInvestors But if you don't use debt, it cancels out the biggest benefit with properties which is leverage. Without leverage, I don't think it makes any sense to invest in property, especially with the current situation, right?
It makes it less profitable. But still good returns even without taking out debt. In reality the buy to let market has witnessed unusually high returns due to leverage. Property is still a good parking space for cash. Just not necessarily as much debt as before.
You are correct. I would also add: 1) Currently everything is anti-landlord. When that changes (I don't know when, but it is most likely 2-5 years away) the sector will become more competitive and rents may drop for a while in some areas. Hence, exclude rental increases from forecasts. I say this from experience. 2) Even if interest rates drop, rates of return on property investment need to remain a higher than before. Why? This asset class has more problems than it had a few years ago. As a general rule, I wouldn't look at a property where the gross rent is less than 7.5% of the cost of the property (I have been purchasing for better than that this year). 3) Many investors have followed the 'mortgage to max' model despite the fact that this caught out investors as recently as 2008 (Anthea Turners husband being a prime example). Many of these investors are already in the 'hope and pray' phase where they need significant interest rate drops to remain cash flow positive. Those rate drops won't happen fast enough for all of them and rather they will have other mortgages come up for renewal with higher fees and rates. So...opportunities to buy over-leveraged properties should continue to appear. These will not just appear as repossessions, but as properties for sale with tenant in situ (the landlord can't afford to lose the rent or wait for the tenant to leave). A further symptom is that they will be advertised as 'cash buyers only'.
Great video. Do you ever wonder why the Government didn't make these changes in 2018 (or earlier)? Do you know if there were tenancies that already allowed pets, and the consequence of enabling private renters to have them now...ESPECIALLY if those renters are separated parents? Where do housing associations get the money from to buy/build houses? What are there 2 rental markets anyway (private and social)?
I’m not sure 🤔 do you have a theory? Regarding pets atm it is up to the landlords and housing associations are funded by a mix of government and private money
@@BritishHomeInvestors hi there... I do have a theory. I'm not sure I can distil it into the RU-vid comment section though....but I'll give an overview. I separated from my ex in 2016 or thereabouts and everything was pretty good for a short time: I moved out of a cabin we had built on someone's land as the planning permission only enabled a worker of the landowner, their spouse and dependants. I was the spouse and dependants. We shared the children equally...but then my ex moved a couple hundred miles away and not in the best circumstances...she then gave her share of our cabin to the landowner which meant I couldn't even move it. My ex became homeless (I had moved in with my parents) and I eventually moved to where she was housed. I offered to have the children 7 days out of 14 (I was having them for 6 while I sorted out my work)...and then she put in a claim for maintenance. I went straight to my MP and asked why I would pay someone who had become to look after my children...and he replied that it was because she was the main carer. I was completely confused by this...I said "so mothers can declare themselves as the main carer when they become homeless"? And he said no...she was regarded as the main carer because she claimed the child benefits. I looked into the leases you get when you get a bedroom entitlement housing duty: A "welfare checklist compliant dwelling" Subsidized rent You can buy the dwelling you are in as opposed to renting and saving for another. A lifetime tenancy. PETS Can self declare abuse. And crucially you only have to look after your children 50% of the time. I went back to my MP and pointed out that this housing duty was basically a package of home ownership for single mothers; and that it breached the equality act. That they should really be offering fathers the same rental terms...but they don't. If fathers want to coparent then mothers (or at least my ex did) can demand they have enough bedrooms, but also demand that the father not work when having the children. There was no way I could sign a lease for 2/3 bedrooms in the private rental sector for what the government sell via a homeless duty in the social housing sector. My point is that the Government could have made it law so children were "equally the joint responsibility of parents" after separation...in 2018. Denmark have changed there laws and Japan are changing too... The impact of our government not doing that means that they have to provide housing to single parent child benefit claimants when they become homeless...and when they do they presume that the other parent has abandoned them. Which is brutal - because the only way they will recognize the other parent is via an "equal shared care" court order... And so despite the government stating that they are helping "families" the reality is the only regard one parent as a family...even if the other parent has the children half the time. It looks to me like the government are inducing homelessness because if you're separated then there housing duty displaces one of the parents. For the mother it's in her best interest to become homeless, it's the easiest lease to sign in the rental market. If she takes the children off the father then she can use him as a passive income stream. Publicly they say they're helping families; privately a child's relationship with they're father is brutalized.
I’m really sorry to hear these circumstances. It appears the system has really let you down. It is quite shocking to hear this to be frank. What is your plan moving forward?
@@BritishHomeInvestors That's very sweet of you to say. And in all honesty I wouldn't have observed this unless I went through it. I say this to you because it might help your analysis: in relation to separated parents the social housing sector is a parental forfeiture scheme similar to what the government did to unmarried mothers up to the 80's. I.e. it was claimed that unmarried mothers put children up for adoption but really the babies were taken and doctors often signed the consent forms on behalf of mothers. Similarly...I tried to prove "equal shared care" to various agencies and I was told I need my ex's agreement (I could see that she didn't work) or I had to go to court for an equal shared care order. I eventually offered to simply pay the rent and bills on my ex's housing association house - all so that I could be recognized as a parent. If my (perhaps cynical) analysis is correct then the government are going to build 1.5 million houses for single person child benefit claimants (if a couple with kids become homeless then the local authority will probably help them find a house in the private rental sector and may even offer a loan for the deposit). The other parent will then end up paying 12%, 16%, or 19% of his GROSS income as child maintenance up until, potentially, the children are 20. Which I see as more akin to a tax (paternity tax) because the children are really being raised with government debt as opposed to parental employment income. That will be 1.5 million people who stop working and the government claiming around 16% from the income of around 1.5 million fathers. That's a lot of money being taken out of the economy and not saved for houses... And I think it's only going to get worse...i.e. more single moms will apply for social housing tenancies...it's much easier to wait for one in a Travelodge, than got to work for an uncared for AST and saving for a mortgage. And I think the government have made the recent changes in the rental bill to make private renting seem more attractive to younger couples. Due to wage stagnation couple can work full time and STILL need a government subsidy (which they have addressed by stating landlords can't refuse benefit claimants); and legally it looks like the government are becoming a proxy parent to renters by shifting the balance of power and autonomy from landlords to renters. I'm going to campaign for rights for fathers...I think it's too late to ask for equal parenting, but I think I can show that they should be telling fathers that the Government are basically employing mothers in social housing as it would reduce a lot of pressure on children. Perhaps then they could suggest that fathers can pay the overheads on the house that children are given and have parental autonomy as a result.
