How Much This £115k Investment Property Makes Per Month 🏠
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- Опубліковано 10 лют 2024
- Hey everyone, here's another "How Much it makes" video since you guys really enjoyed the last few of these we have put out. Thank you as always for watching and don't forget to subscribe.
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We are Lia and AK, and we're excited to share our journey with you as we navigate the world of property investing, business, and working together as a couple.
AK: I left my corporate job after experiencing mental and physical health issues, and we started our UA-cam channel to document our journey as new property investors in 2019 with no upfront capital. Expect weekly videos where we provide project updates, share best practices, money-saving tips, and our learnings along the way.
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Thank you for this. And yes, bridging loan video, please?
Yes to the bridging loan video ❤
Would love a bridging loans video!
You mentioned your current mortgage is interest only payment. How do you deal with the principal balance?
Really fun watching you two continue this journey. Principles are very similar UK and US. Continuing to send good luck. You both look great. Hope Edinburgh was amazing!
Another great, informative video!! Lia you look Stunning
Thank you so much!
Please do a video on bridge finance. Thanks
Noted
Awesome and interesting video as usual. Have a great week and a lovely Valentines Day. ❣
Thank you! You too!
Hi, if you could please do a video on bridging loans 😊
Yes to bringing video
Thanks again 👍🏽
No problem 👍
Love your content… bit cheeky but Could you make the excel spreadsheet available for others
Yes please on bridging loan video
Coming soon.
samhillsmithify - you are right on this property. The property couple have put in too much and the remortgage value does not break even. So present day 1, it is a loss!
Plus no details on investor finance i.e. repayment interest.
Excellent video guys. Thanks so much for sharing. Question, how do the investors (who put up the development finance) get their return? Is it from the monthly cashflow?
I too would like to know the answer to this please.
Yes from the cashflow the properties generate.
Regarding the bridging loan, is the £86.250 including the interest on the bridging loan.
Thank you for sharing refurbishment costs. I am looking for a trusted builder/developer for my new HMO in Leicester. Can you recommend any good builders you have used around the Coventry / Leicester area please. Thanks
What location is the property?
We are not property investors just love you two. But I have a question you have interest only mortgage is your goal to pay off the principal at some point and own it fully? Keep it up guys! ~Cara ❤
I'm not sure to be honest Cara. If in 25 years we still have them then maybe.. :)
You mentioned that the 60k (ish) was raised form private investment, how is the cashflow impacted by repaying these private investors? Curious to see how that kind of thing works, as have always self funded refurbs to date. Something on bridging would also be good to see, as we briefly explored the options, but haven't yet needed to go down that route yet.
If you are in a position to self fund that is great! Of course having investors impacts the cashflow but it helps once you've scaled up a bit and can offset it.
Really well explained video! I get that the cashflow is fantastic, but why did you bother to buy somewhere where the value increase (£45k) was lower than the refurbishment cost(£62k)? Could you not have just purchased a finished version and save yourself the hassle to achieve the same returns.
The ROI wouldn't be as high because you wouldn't benefit from the refinancing element.
I am still very confused! At the end you have (£57k) left in the deal but if you just purchased it for (£160k) you would have the same asset for ~£47k (75% LTV, 5k stamp and 1k legal, other) and would have saved yourself all the admin of refurbing and lost revenue (~6k). I feel like I am still missing something
what area is this?
Hi Guys,
Thank you for sharing.
I have a couple of questions, where the interest for the bridging load sits?
Do you add VAT to the 10% of the management cost? Or you don't consider the VAT as a cost as you may rebate?
Do you add possible maintenance and vacancy periods to your cost? So you have a contingency budget for unexpected problems.
Thanks again for your transparency
What about tax on the profit?
Capitals gains on the 33k?
How did you get such a low interest rate?
And at 344 a month isn’t that an interest free mortgage?
That was the rate at the time. Yes it's interest only.
Yes, please!!! Bridging loans have been the reason I have held back due to my lack of understanding. A dedicated video on bridging would be epic.
P.S. Also, this video is amazing and has really helped.
450k for a survey 😉great video guys
£450* can’t find the typo in the vid but thank you!
Property is not passive at all.
Isn’t it?
So you bought it 115000 and spent 60000 and them the the valuation came on 160000. This is not a good deal to be honest, because your cost is 175000 and the valuation is 160000. Not only a value is not added, the value is lost.
They didn’t buy it for a quick flip, it was bought to generate profit via rent. It earns 3-4 times after conversion, generating profit while also paying itself off
Think you missed the point on the numbers slightly.
It makes a monthly profit, and if they keep it for 5-10years do you think it will value the same? So with that in mind there is long term gains no losses
@@chefksimpson6900Assuming the property grows in value.
In 5 years time you have just recovered your principle value though I understand the property must have made capital gains so tha'ts your only gain as at year 5. Yes I understand the property is going to give you free rent for 15 years assuming that property is for 20 years term. But you still have to pay to bank a bullet payment to own eventually that you have to do it at your own or by paying from the same rent that you accumulated in 15 years from year 6-20. The only difference is that you were able to recover your investment at year 5 that you can utilize in any other investment. The important question how can 2 banks finance the same property is it possible?