YOU'VE GOT 50K! Now let's invest | Property Hub
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- Опубліковано 22 жов 2019
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You've got 50K! But what are you going to do with it? We're here to help and advise you on how £50k could get you started with investing in buy-to-let property.
In this video, Rob & Rob from Property Hub help show what options you have when it comes to investing in property.
There are many different ways to invest in property, it's just finding the right way for you.
Hit play to dive into how to spend that 50K... Wisely!
Very good info. thank you very much
Quite simply the best property source of information. Thank you so much for all you do
Ah thank you - and you're very welcome. If there's anything in particular you'd like to see more of, do let us know!
Oh I’ll definitely invest it properly 🤤
I have newly stumbled across this channel and can’t help but think that you 2 guys are saints!! I’m a complete newbie but I think you guys may be able to save me!!!
Thanks for your comment Bilal, we're glad you found us. Also worth taking a look at our podcast if you're wanting to soak up hours (even days) worth of property content for free propertyhub.net/podcast/
You can subscribe via Spotify, Apple Podcasts, Stitcher and most other podcast platforms.
Why didn't I find this channel sooner ❤️
Great video. Love all your content!!
Thank you so much!
What would you guys say is a good reserve for cash - if you measured it against say your debt?
Great content as usual!
Glad you enjoyed it
What’s sort of software for image graphics you are using? Thanks 🙏🏽
Hi guys been following you for a little while. Even doing education on your website.
Great stuff lots of information. My question is I was thinking of booking a strategy meeting, but I got the gist that you only do off plan or newly built.
Hi, yes we predominately specialise in off plan but we do have some deals that are already finished and fully tenanted and generate an income from day one. It just all depends on what strategy you're going for. If you are unsure of your strategy check out our university for free to help you decide on your strategy: propertyhub.net/course/which-property-strategy-is-right-for-you/
Best property channel in the UK.
Thank you
Wow
Great advice
What area you is good for invest?
Btl or hmo?
Most newbies usually undermine and neglect the importance of technical analysis with regards to trading. technical analysis overly predicted the movement of assets price regardless of what is happening in wider and broad market.
Essentially, the procedure involves studying the the paths of particular asset movement in the past so as to establish a sustainable pattern that can be used to learn future movement of an asset. Doing technical analysis can be quiet different which is why newbies/traders neglect day trading their coin and stick to holding which is very dangerous as when the market goes bearish,advice any newbies to buy the dip for traders who are still wondering to enter the market or old time traders who are holders to seek help from not just any traders but an establish trading expert with at least 96% trade accuracy. I underwent series of trading losses I'd best not talk about before I was introduced to analyst Mr Barry silbert. My contact with him has been the pinnacle of the year for me. Under his careful guide and his signal service I've been able to recover my losses and even grow my trading portfolio massively from 1.6 BTC to 7 BTC in just 5 weeks. I will advice traders esp newbies to have orientation on trading before they involve in it. Mr Barry makes you learn daily while you make profit with his signal. he can be contacted w,h,a,t,s,a,p,p,(+1 720 623 5469)
Good one mate
I wanted to buy a property that needed work doing to it and push up the value. However when the Surveyor went round they classed it as unmortgageable. So im guessing the only way to do this is risking a bridging loan. Whats are your thoughts on bridging? And could you recommend a good reliable company?
Bridging can be a really great way to finance an investment - but there are definitely risks to be aware of, so we'd generally only recommend using it if you're an experienced investor. Would this be your first investment property?
Hi, Thanks for the video! One scenario: Lets say you have several properties, all refinanced to keep buying. And let´s say the market crashes and rent goes down, so down you can´t meet your payments. What can happen then? What´s the consequence of that? Because in the last crash -at least in Ireland- rent went down 25-30%. Thanks!
I believe that’s why properties were so cheap at the last crash bc people couldn’t keep up with the monthly payments so they defaulted and sold the house, on the flip side, nobody was buying as they couldn’t afford that either.
If you can’t keep up with your monthly payments, you will lose the house which is why it’s so important to ‘self insure’
In that scenario (if you can't meet the mortgage payments) the bank will foreclose on your property and basically sell it off on your behalf. If you are with the same bank for all of the properties then they can sell one or more to get their money back (cross collaterisation, see here for more information: en.wikipedia.org/wiki/Cross-collateralization). If the price they sell the properties for is less that what you paid for them (or the over inflated re-mortgage price you got to purchase your next houses) then you're in big trouble as could owe tens or hundreds of thousands. Can't pay that then you have to claim bankruptcy and/or dissolve your company and you wont be able to be a director again.
To prevent this or to mitigate the risk of this happening, from the start you have mortgages which are serviceable, even if interest rates double or at a minimum increase 145% of the interest rate at which you initially got to purchase the property. To get a deal like this you need at least an LVR at 70% or under (I know in this video they are saying 75% but that is bare bare minimum). With a better LVR you have the benefit of better interest rate deals at the time in which you purchase, meaning you're making better ROI throughout the property's lifetime anyway meaning more cash as you have a smaller mortgage + lower interest rate. Plus, if you're a good little landlord you're keeping a kitty for each property from the profit you're making, meaning if the property has an extended vacancy from a crash (say the town has a factory closure so no one has a job for a while) then you're not in any danger of defaulting on your mortgages as you can use this kitty to tie you over until the next tenant.
Great video thanks! Would you also recommened buying a property BMV cash, doing some to increase value then going for a mortgage after?
Also known as flipping - absolutely. There's a free course over on the website with more info propertyhub.net/course/how-to-flip-a-property/
Nice, but the music is a little loud in the mix. I prefer it acapella really. Keep up the great work guys!
Thanks for the feedback G O - we'll note for future videos :)
is it possible with 10k?
great video, one feedback is to stop using the annoying background music in all your videos. Your voices and valuable advice is not audible due to the music.
Thanks for the feedback. This was one of our earlier videos so hopefully you find the music less of a distraction on the more recent ones :)
Spend it on Bullion
Yes totally also no. Spend some on Bullion; no more than 10% of your net worth. Any more and you still will have to be a slave to the wage (as your bullion doesn't pay the bills or put money back into your pocket each year, only once you sell it and 'realise' your gains... but then you have no bullion!).
Kevin valcon acct
if i have 50k then how do i buy a property for 100k? if im going to brrr it? surely you cant get a mortgage at that stage?
Hey Matthew, by buying the property with a 25% mortgage, you'll be able to buy the £100k property using just half of your £50k pot :)
@@PropertyHubUK Hi, many thanks for replying thats great. the thing im confused about is that if i plan to refinance after the refurb, say 6months after purchasing the property then i didnt think i could get a mortgage unless i held on the property for the fixed term of 2 or 5 years? thanks Matt
@@mattheweast-jones7704 maybe consider bridging finance. After 6 months you can refinance on to a BTL Mortgage.
@@mattheweast-jones7704 Most newbies usually undermine and neglect the importance of technical analysis with regards to trading. technical analysis overly predicted the movement of assets price regardless of what is happening in wider and broad market.
Essentially, the procedure involves studying the the paths of particular asset movement in the past so as to establish a sustainable pattern that can be used to learn future movement of an asset. Doing technical analysis can be quiet different which is why newbies/traders neglect day trading their coin and stick to holding which is very dangerous as when the market goes bearish,advice any newbies to buy the dip for traders who are still wondering to enter the market or old time traders who are holders to seek help from not just any traders but an establish trading expert with at least 96% trade accuracy. I underwent series of trading losses I'd best not talk about before I was introduced to analyst Mr Barry silbert. My contact with him has been the pinnacle of the year for me. Under his careful guide and his signal service I've been able to recover my losses and even grow my trading portfolio massively from 1.6 BTC to 7 BTC in just 5 weeks. I will advice traders esp newbies to have orientation on trading before they involve in it. Mr Barry makes you learn daily while you make profit with his signal. he can be contacted w,h,a,t,s,a,p,p,(+1 720 623 5469)
I agree with the comment below. Great video but the music is a little loud and distracting. Maybe something to change for the next one. Great info though, thanks.
Thanks for the feedback. We'll definitely keep in mind for future videos.
I have £100K to invest, go on then guys, hit me up with your ideas!
In Scotland you could get 2-3 rental properties on this amount.Good luck
In the US you could put 20% down for five houses priced at $100k. And since ur not in the states, you could rent out over seas
@@siyabeanland9777 Where about in Scotland would you suggest to look? Thanks.
If you want to go slow and steady use only 35-45k and recycle it, rough example:
Buy a property under market rate in an ok town, needs some work. 60K
30% Deposit is 18k
2-4k misc fees, mortgage fee, lawyer, inspector etc.
15-20k refurb
Rent out 500-600 per month
Refinance at new value of 110k
Enjoy around 120-180 a month cash from rent (after costs)
Pull out 35k and do it all over again.
Once you do it 5 times or more you're winning.
@@Mr_Sh1tcoin Well said, keeping it simple and not overcomplicating thing makes the process run smoother
I made my first millions investing in crypto currencies and daily trading as a beginner the name of the financial advisor that assisted me is Elizabeth Hildreth Groh I met her at a trading conference and she agreed to assist me with my investments and build my portfolio I will recommend beginners to start there investment journey with the right guide to achieve their ROI goals
I’m not that kind that hooks up on a random comment, cause I thought you were advertising your broker,, but from her brokers check repost shes is good to financial advisor, please how do I make contact,? I have $4,7&4 to start up
Wow