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In anything do you mean property or any investment?

@BritishHomeInvestors In property if you have to borrow and in shares unless you really really know what you are doing gains are low tax is high the effort is not worth the anguish.Pay off your debts if you have any.

Thanks for the comment. ATM I'm not looking at outsourcing any of this. But appreciate the enquiry. Thanks

Thanks so much for your comment, Peter, and for sharing your experience. You’re absolutely right-getting onto the property ladder often requires some sacrifices and a long-term view. Even though we’re seeing some properties listed around £100k in the South East, like those studio flats you mentioned, there are still barriers making it tough for many first-time buyers. For one, even a 10% deposit can be hard to save up, especially with today’s cost of living. Plus, mortgage lenders have become stricter with approvals given the economic uncertainties, which can be a hurdle. And on top of that, the costs beyond the purchase price-like stamp duty and legal fees-add up quickly. You make a great point about lifestyle expectations too. Sometimes people might overlook the benefits of starting small and working up over time, especially if they’re expecting certain amenities from the start. And as you pointed out, with rent often higher than potential mortgage payments, owning could actually be more affordable long-term. Your story is a great reminder that, while it’s challenging at first, persistence and strategic budgeting can make a big difference. Thanks again for the insight!

@piotrwojdelko1150 You’re absolutely right-rising material costs have had a big impact on property prices. With the cost of construction materials nearly doubling in recent years, it’s a challenge for builders to keep prices low, especially for new builds. While there’s always a desire for more affordable housing, these rising costs are definitely one of the barriers. Thanks for highlighting this-it's a critical factor that often gets overlooked!

Glad to hear that

I get where you’re coming from. Inflation isn’t exactly 'over'-it’s definitely complex. But we have seen some signs that inflation is easing. For instance, the Consumer Prices Index (CPI) rose by 1.7% in the 12 months to September 2024, down from 2.2% in August, so there’s been a downward trend lately. As for interest rates, you’re absolutely right that the government has to consider debt servicing costs. The Bank of England recently lowered the rate by 0.25 points to 5% in August, which reflects their cautious approach. Balancing inflation control with debt costs is tricky, and higher interest rates can certainly make it more expensive for the government to manage its debt. So, while inflation might be easing, it’s definitely a situation to keep an eye on. The Bank of England is being very deliberate with these decisions, keeping both inflation and debt in mind. Thanks for sharing your perspective-it’s an important part of the conversation!

Thank you 🙏

😂😂😂

With inflation they did quite abit !! They went from overs 50k plus to people getting 50k off !!! Thats that's 100k difference on some properties

@@BobBuilder-mq9wr Charlies "expectation" was for a 35% NOMINAL house price drop. I do not think he properly understands inflation.

😂

@madmountainman5197 Really appreciate you bringing up Alex Groundwater’s perspective-there’s a lot of depth in what you’re saying here. Real wage growth is absolutely a crucial factor, and you’re right: if wages don’t keep up with inflation and cost of living, the market faces some real headwinds. The budget’s lack of support on cost-of-living relief for households, along with things like stretched mortgage terms and looser lending criteria, could indeed lead to instability rather than long-term growth. It’s also true that measures like extending mortgage terms to 40 years can create more challenges than solutions, turning homeownership into a lifelong financial strain for many. The comparison to the early ’90s is a good one, as job losses and reduced affordability back then had a huge impact on prices. I’m always watching these indicators closely, and I’ll definitely consider covering this angle in future videos. Thanks for bringing such a detailed and thoughtful view to the discussion!

For many people, especially those in the public sector, real wage growth has been fantastic in the last 6 months. I lived through 90/91 and, whilst things can always get worse, it just does not feel as bad as that period at the current time. Vacancies, for example, are still very high by historic standards and whilst there are a lot of people economically inactive they tend to be either the wealthy who have decide to retire early/go part time or people who were never going to buy a house in the first place.

@@Leapops It's the private and public sectors that are both facing troubled waters regarding employment. Looking at all of the bankrupt local councils, they're having to make 25% cuts across the board, which will come with a mix of natural wastage and job cuts. Privately, the increase in the minimum wage and national insurance hikes have all only just landed on the doorstep, so it's going to be an interesting year ahead.

@@madmountainman5197 I cant remember the last time it was not going to be an interesting year ahead! So what? There is always plenty of doom if you care to look for it. However... Last year we had LEGAL migration of over 1 million people. This is 1 million people offered a visa to either work or to study. If there were no jobs there would have been no work visas. It always amazes me that we are such a basket case and yet all these people keep coming to work in the UK. At the same time we once again built bugger all houses. All those extra people bidding for the same property stock means upward pressure on rents and house prices. In 90/91 interest rates went to 15%, we got kicked out of the ERM, unemployment and inflation was through the roof and people were able to self certificate (aka lie about) their earnings and you could get 100% plus mortgages on these fictional earnings. Compared with that era, todays problems in the housing market are minuscule.

@madmountainman5197 and @Leapops, both of you make excellent points here, and it highlights just how complex the current housing market really is. Madmountainman5197, I agree that real wage growth-or the lack of it-will play a huge role in where the market goes, and I can see how today’s cost-of-living pressures, coupled with stretched mortgage terms, could put a strain on future growth. The comparison to the '90s recession is definitely relevant, especially considering that rising costs and tighter budgets can lead to market corrections. The economic backdrop right now, with struggling local councils and some sectors feeling the pinch, certainly makes for an interesting year ahead. Leapops, you’re right as well-high legal migration levels and limited housing supply do add pressure to keep prices steady or even rising, particularly in areas with growing job markets. And you make a good point about how some of the structural issues from the '90s, like much higher interest rates and more risky lending practices, are less prominent now, which could add some stability. It’s a mix of these factors that makes today’s market unique, and both sides of the coin are important to keep in mind. I’ll definitely be watching how these dynamics unfold-thanks for sharing such detailed insights!

I totally get where you’re coming from, and you’ve raised some really valid points. The recent increase in stamp duty for second properties could definitely make buy-to-let less appealing, which might ease some demand and potentially lower prices in that segment. You’re also spot-on about wealthy individuals and entrepreneurs thinking twice about staying in the UK if taxes keep going up. That could increase the number of properties available, which might add some downward pressure on prices too. But at the same time, we’re still facing a housing shortage that keeps pushing prices up-especially since the government’s building targets have been consistently missed. Even with some investors pulling back, others might still see the UK property market as a stable bet, especially if interest rates start to level out or drop. So while I think there’s definitely a case for some cooling in the market, the shortage of supply and other economic factors could keep prices from falling too drastically. Predicting house prices is never straightforward, and there are so many moving parts to consider. Thanks for sharing such a thoughtful take!

The boat people and visa people are flooding in to take up the slack . House prices are artificially always kept up last 15years

@BobBuilder-mq9wr Thanks for sharing your perspective. Immigration and population growth do play a role in housing demand, and that can certainly impact property prices, especially in areas where demand is already high. There’s a lot of debate around how these factors balance with supply issues and government policies. Ultimately, the housing market is influenced by a mix of both internal and external factors, including supply constraints, economic policies, and population trends. It’s a complex issue, and I appreciate your take on it. Housing is one of those topics where many factors come together, sometimes creating trends that can be difficult to predict. Thanks for being part of the conversation!

You make a great point about the impact of an aging landlord population. Stats show the average UK landlord is around 58, with almost two-thirds aged 55 or older. So, as more of them start to retire and potentially sell off properties, we could see a drop in rental supply, which could push rents up even more. Interestingly, though, younger people are starting to enter the landlord scene too. The number of landlords aged 18-29 has gone up in recent years, and many in their 30s are keen to build property portfolios. So while some older landlords may exit, there’s a bit of a younger wave coming in that could keep the market supplied. That said, with tenant demand still strong and rents rising, there’s a good chance those who stick with property will see higher rental yields, which can help keep prices buoyant, even with the recent tax hikes. Thanks for raising such an insightful point-there’s a lot to consider as the landscape shifts!

where you’re coming from-it can feel like the government’s decisions are making things harder for everyone. The new budget has definitely introduced some big changes, with higher taxes on businesses and wealthier individuals, and increased stamp duty for second-home buyers. These moves could slow down property investment, which might even limit rental supply. At the same time, adjustments to national insurance and capital gains taxes mean a lot of people might feel the pinch in different ways. It’s a complicated situation, and while these changes aim to tackle some financial challenges, they’re affecting people across the board. Staying informed can help us adapt to what’s next. Thanks for sharing your thoughts!

I can totally understand how disheartening that must feel. Saving up for years only to find that buying a home means moving far away from family and settling in a place that doesn’t feel like home is tough. The way the market is right now has put a lot of people in similar situations-having to make big sacrifices just to get a foot on the property ladder. You’re definitely not alone in feeling frustrated. It’s a huge life step, and you deserve to feel good about where you’re putting down roots. Hang in there, and know that your hard work is still something to be proud of. Thanks for sharing your experience; it’s a reality for so many people right now.

Thank you, I really appreciate the comment. Good for you! I wish you all the best with your purchase! Will

@Hunterthepunter126 Great question! The recent government budget, including adjustments to stamp duty, could indeed impact house prices. Increased stamp duty for second-home buyers might reduce demand among investors, potentially easing some pressure on prices. However, broader market conditions-like interest rates and supply-demand dynamics-will likely play a larger role in price trends over the next year. It’s definitely something to keep an eye on, and I’ll be covering this topic in more detail soon. Thanks for bringing it up!

@@BritishHomeInvestors I think landlords will factor in these SDLT hikes adding more to house price increases

Agreed.

@jayxunderwood I totally understand your frustration-it's tough out there, and the market definitely isn’t making things easy for first-time buyers. It's true that the property landscape can feel stacked against the average person, but there are still steps that can improve your chances, like keeping an eye on the gradual interest rate drops we might see in the coming months and considering alternative ways to enter the market, like shared ownership or more affordable areas. I know it’s not the easiest path, but sometimes perseverance and planning can create options, even in a difficult market. Thanks for sharing your thoughts, and feel free to reach out if you have questions about anything!

I guess time will tell

Could you elaborate? I’m not sure what you mean?

I appreciate your concerns, especially coming from a legal background. There’s no denying that the Renters’ Rights Bill introduces challenges, such as the incentives for tenants to dispute rent increases and the need to navigate a complex court system. That said, I believe a lot of the narrative around these changes focuses too heavily on the negatives. From my experience as a landlord and from what I discussed in the video, while there are legitimate concerns, many landlords might be overestimating the impact. For example, the abolishing of Section 21 has been a big talking point, but landlords still have clear routes to regain possession using Section 8 for valid reasons, like rent arrears or damage. Yes, it might take longer, but it’s not impossible, and it encourages everyone to be more diligent with tenant selection. I also understand the worry about penalties for non-compliance, but as long as landlords stay informed and adapt to the new rules, these issues are manageable. The changes are significant, but they’re not necessarily disastrous if approached with preparation and the right mindset. It’s definitely not about ignoring the challenges, but focusing on how to navigate them effectively rather than being driven out by fear. Thanks for sharing your thoughts, and it’s an important discussion to keep having. Best, William Gale

" Incentives for tenants to dispute rent increases" - Only a greedy leech landlord would see this as a bad thing. You will be held accountable, and you don't want that.

@@scratchyrice I very much doubt you have read the Bill or understand how it works.

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You bring up a great point, especially for landlords close to or in retirement. Holding properties through a limited company isn’t always ideal if it’s your primary income source, as taking out profits via dividends can lead to higher tax liabilities compared to personal ownership. Plus, if you’re selling a property to your own limited company, you would have to pay stamp duty again, which adds an extra cost that needs to be factored in. These issues highlight that a limited company structure is often more beneficial for those who plan to reinvest profits and grow their portfolio over the long term, rather than those looking to extract income regularly or wind down their investments. It’s definitely not a one-size-fits-all solution, and careful planning is crucial to avoid unexpected tax bills. Thanks for pointing this out-definitely an important factor to consider! Best, William Gale

I completely understand your stance, and you’re not alone in feeling that the Renters’ Rights Bill (RRB) and the EPC requirements have created significant challenges for landlords. While the RRB aims to provide more security and rights for tenants, it seems the balance may not be right when it comes to retaining landlords in the market. The stricter regulations, combined with costs to improve EPC ratings, are pushing many landlords to exit the sector, which could lead to a significant contraction of the Private Rented Sector (PRS). If too many landlords leave, it risks driving up rents and reducing availability, which ultimately hurts tenants-exactly the opposite of what the bill aims to achieve. Finding a balance that protects tenants’ rights without driving landlords out of the market is critical, and there’s more work to be done in getting that right. Thanks for sharing your thoughts. It’s an important issue that needs ongoing discussion. Best, William Gale

@BritishHomeInvestors The balance was already there courtesy of the Housing Act with S21 and S8. Far from perfect as far as LL were concerned. But the approbrium misapplied to S21 by the likes of Shelter etc disturbed what had been a very successful PRS regime. Very few LL ever abused the S21 process which tended to be used rather than the S8 process which could easily be gamed by rogue tenants. S21 gave a modicum of confidence to LL that irrespective of ANY reason they could EVENTUALLY recover their property. This meant LL could take a reasonable risk on a less than perfect tenant. The RRB will mean a LL would be mad to take on any tenant that didn't qualify for RGI or perhaps a UC tenant not required to actively seek work. Whole swathes of tenant types will no longer be offered tenancies. The RRB is a tenant discrimination device and should be stopped.

Hi @paulgbar666, I appreciate your detailed response, and I understand why many landlords see the removal of Section 21 (S21) as a concern. It’s true that S21 offered a level of security, allowing landlords to regain possession without needing to navigate the complexities of Section 8 (S8). I agree that the current system wasn't perfect but gave landlords the confidence to take reasonable risks with tenants who might not fit the ideal profile. However, while the Renters' Rights Bill (RRB) does bring big changes, I think there's a tendency to overestimate the negatives. Yes, the bill might push landlords to be more selective, but I believe those who adapt will find opportunities in this new landscape. We’ve seen changes to the sector before, and the best landlords have always managed to navigate them. The key is to stay informed, prepared, and flexible. The challenge now is for the government to ensure that the RRB doesn't lead to unintended consequences, like excluding whole groups of tenants. Improving the efficiency of the court system for S8 cases is critical, so landlords can still regain possession when they have legitimate reasons. If these processes are streamlined, it could address some of the concerns while still providing tenants with greater security. The negative press has certainly contributed to pushing some landlords out of the market, but I’m optimistic that those who remain and adapt will continue to thrive. By focusing on tenant selection, staying compliant, and adjusting to new regulations, there are still plenty of opportunities out there. It's a matter of approaching these changes with the right mindset rather than fear. Thanks for contributing to this important conversation. More dialogue is needed, but I’m hopeful that with adjustments, we can find a balance that works for everyone. Best, William Gale

Since when does the supplier pay? The customer ends up with the bill ultimately. More competitive markets leads to smaller margins for suppliers and better prices for customers. The more you reduce competition through regulation.. the higher prices tend to get for customers. This applies to any market. Not just the rental market.

Tenants and thick people beware,landlord will pass on costs ,Tenants with little choice and massive rents ,diddums

Landlords already pay tax on turnover not profit that's one reason rents are going up ,its called section 24,,research information ,before making STUPID comments ,

Customer always ends up footing the bill 💸

@@BritishHomeInvestors Buy-to-let should be banned. The core reason houses are worth so much is because people like you buy them as an "investment". Its a disgusting practice - they're basic living essentials. You should only be allowed to buy a house if you're going to LIVE in it.

It’s getting wild by the day. The prices of homes are quite ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%). Sometimes i wonder if to just invest my spare cash into the stock market and wait for a housing crash or just go ahead to buy a home anyways.

I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of finances and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than three years, and I've made over $319,000.

@@williamDonaldson432 my partner’s been considering going the same route, could you share more info please on the advisor that guides you.

Annette Marie Holt is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

Agreed 💯

I understand where you’re coming from, and it’s a valid observation about the power dynamics between banks and landlords. However, it’s not entirely accurate to say that banks can repossess properties more quickly than landlords can evict tenants. Both processes have different timelines and legal hurdles. Mortgage Repossession: Banks need to follow a strict process before repossessing a property, including working with the borrower to find solutions and obtaining a court order. This process can take several months, as they need to demonstrate that they’ve made reasonable efforts to help the borrower before proceeding with repossession. Tenant Eviction: Landlords, on the other hand, also face a lengthy process, especially if the eviction goes through the courts. Serving notices (like a Section 8 or Section 21) and waiting for the notice period to expire are just the first steps. If a tenant doesn’t leave, landlords need to seek a court order, which can be further delayed by backlogs and legal protections for tenants. This process can sometimes take just as long, if not longer, than repossession. The difference is that banks have more standardized processes for repossession, while landlords face stricter regulations that make eviction complex and time-consuming, especially with recent legislative changes aimed at tenant protection. It highlights the need for balanced legislation that considers the rights of both property owners and tenants. Thanks for bringing up this topic-it’s an important issue for the property market. Best, William Gale

completely agree with you. There will be some landlords with 1, 2, 3 properties that will be unlucky and land a bad tenant that will push them into the red all of a sudden. I would definitely recommend those in that situation have insurance in place against such situations

The reverse should be true. We should be able to scrutinise landlords. Far too many provide piss poor accommodation for far too much money.

It’s a free market. Choose to rent where you want. The more supply the more choice. The less supply the less choice.

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Good luck to tenants. All tax changes will increase rents significantly

@@dannya8781 Labour will introduce a rent cap

Then the quality of accommodation will drastically drop. The solution is increasing supply of property.

You raise an important point, and it’s true that using a limited company isn’t always the best route for every landlord, especially if you plan to frequently withdraw profits. The combination of corporation tax and dividend tax can sometimes outweigh the benefits, particularly when selling properties and realizing large gains. However, with Labour’s potential plans to increase capital gains tax (CGT), there might be more reason for landlords to consider holding properties through a company. Rumors suggest CGT could be aligned with income tax rates, meaning higher-rate taxpayers could see CGT rates jump from 28% to as much as 40-45%  . In contrast, corporation tax will be capped at 25%, offering some stability for landlords who reinvest their profits rather than withdrawing them immediately . Ultimately, the decision depends on your long-term strategy, and with potential tax changes on the horizon, it’s wise to consult a tax advisor to navigate these complexities effectively. Best, William Gale

@@BritishHomeInvestors Yeah but you still need to get the cash out of the company after selling so even if they do raise CGT to match income tax you'll still pay more exiting after paying the corp tax and the higher rate dividend tax. Also they seem to be signalling backing down on the CGT hike. There may well be a lot of landlords getting lumbered with massive personal tax bills years down the line having not considered all implications of buying in a company

You make a valid point about the potential tax hit when withdrawing profits after selling properties through a limited company, especially with corporation tax and dividend tax combined. However, one of the key advantages of using a limited company is the flexibility to control when you take profits out. Unlike personal ownership, where you’re taxed on all rental income annually, holding properties through a company allows you to retain profits and reinvest them without immediately triggering personal tax liabilities. This can be especially beneficial if you plan to grow your portfolio over time. Additionally, there’s the issue of Section 24, which prevents individual landlords from offsetting mortgage interest as a cost. This change has significantly increased the tax burden on personally-owned buy-to-let properties. Limited companies, on the other hand, can still deduct mortgage interest as a business expense, which helps manage profitability even if taxes are higher when eventually taking out dividends. It’s definitely not a one-size-fits-all situation, and you’re right that landlords need to carefully weigh these factors, especially with the ongoing uncertainty around capital gains tax. Consulting a tax advisor is the best way to navigate these complexities and make the most informed decisions. Best, William Gale

Hi @glostergloster6945, I totally understand your frustration. Licensing schemes can feel like an extra tax on landlords, especially if the fees aren’t going toward meaningful improvements. Ideally, if a national database is implemented, it should be straightforward and affordable, focusing on transparency without placing an excessive burden on landlords. Let’s hope the government can strike a balance that benefits both tenants and landlords. Best, William Gale

I get where you're coming from, and I understand the concern about savvy tenants taking advantage. My point is that while the Renters' Rights Bill will bring changes, it's not impossible for landlords to adapt. With proper screening, a solid understanding of the new rules, and pressure on the government to improve court efficiency, landlords can still navigate these changes effectively. It’s about staying informed and prepared. Thanks for sharing your thoughts! Best, William Gale

I am a landlord with 10 properties portfolio, I am not all worried, Landlord will adapt to all the changes, the key thing is to chose your tenants very carefully and don’t cut corners, take out a good insurance plan against your tenants. Let’s wait and see what the final bill do. But we the landlord will find away around this law , when it comes to getting rid off bad tenants. Also offer good tenants good property.

I 100% agree

It’s not a problem there’s insurance for guaranteeing rent that the tenants pay for and all my new tenants have to provide it. The only person that get screwed is the tenant because of lack of property on the market sending rents up.

100%

Already is!

Thank you. I’ve already got one 👍

Thank you 🙏 Any other topics you want me to cover?

@@BritishHomeInvestors maybe how to organise how to save on items you spent on tax side on property investments before payment to government tax? Thanks

Great idea! 💡

Agreed

My pleasure

What is the solution to the country spending more than it collects in taxes?

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

@@BritishHomeInvestors thanks for your advice and response

🙏

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

What will you do if your costs go up?

@@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.

@@BritishHomeInvestors cheers it’s working for me, , I enjoy the work, and it’s making profit, ,

That’s the most important thing 👏

I’m sorry. Thanks for the comment

I was a bit harsh in the comment. And I apologise. You have come over very professionally. But I didn’t feel there was enough context.

No worries at all. I appreciate the feedback and good of you to reply with more info etc. I will work on it :)

Unless you buy through a limited company

You can transfer assets between companies owned by the same director(s) with no stamp duty costs. However double check this with an accountant.

@@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 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.

100%, I have a video on the channel that runs throiugh the 18 year cycle title Massive Crash in 2026.

What are you investing in instead out of interest?