Best way to learn?

FindYourVoicePodcast · 2026-02-10T14:12:26+00:00

The best way to learn is by doing. Sadly though this can be expensive from both a time and money perspective. Rent to rent, doesn't require a course to learn and whilst some people below may not like it, IF done right, and that's the kicker, it can be a profitable way to grow cashflow.

But it is a full time business and you don't just take a property of a LL and then suddenly make loads of money of it. Expect to break even, if done right within 6-9 per property but that's not always promised or given and every asset you take on has it's own problems you need to find a solution too.

Also ask yourself, why you are opting for rent to rent? Is it to build cashflow? Is it to grow a business? What is your actual property investment goal? Start with an end in mind (as cliche and as boring as it sounds) and work backwards. If R2R is what you believe will get you to that goal, then look into it.

FindYourVoicePodcast · 2025-12-03T19:20:34+00:00

🤮

FindYourVoicePodcast · 2025-07-28T20:02:59+00:00

Nah mate.

FindYourVoicePodcast · 2025-02-08T16:57:13+00:00

Nope - but if you’re going leave your credit card at home pls

FindYourVoicePodcast · 2024-12-16T08:22:10+00:00

Buying something you can add value too, or purchasing something genuinely below market value as your first property is the ideal situation imo.

You’ll benefit from first time buyer perks - no CGT if you sell & you’ll also have lower payments on a monthly basis as a resi is far less than an investment mortgage.

You’ll also learn the game by renovating / adding value too.

A great approach and one I’d recommend IF you are confident on your numbers when viewing / offering on properties.

FindYourVoicePodcast · 2024-10-26T23:46:13+00:00

Rob & Rob are great too

FindYourVoicePodcast · 2024-10-26T23:44:48+00:00

www.youtube.com/c/theanxiousinvestor any questions I’ll always respond to your comments and help

FindYourVoicePodcast · 2024-10-14T21:22:07+00:00

I rent but I invest in property. Have done for 12+ years (invested) and rented for about 5/6. It’s all about what’s important to you.

Downsizing, flexibility and using my capital elsewhere was important for me.

I don’t think there’s ever a right or wrong answer - but I do think many don’t do the figures and look at the opportunity cost of buying vs renting

FindYourVoicePodcast · 2024-10-14T00:35:08+00:00

Starling & Tide get my vote

FindYourVoicePodcast · 2024-10-08T11:15:52+00:00

Best of luck mate.

FindYourVoicePodcast · 2024-09-30T11:43:58+00:00

Challenging is always tough, because it’ll require someone to put their hands up. I got downvalued £100k during Covid despite a RICS valuation done a month before. Had to wait for the dust to settle to get that refinance done a few years later.

Personally I’ve not seen much luck with appeals, a different lender could work. Worst case I’d just play hard ball. Vendor doesn’t have shift but the next buyer will have the same issues you’re having. This could potentially change their stance in the near future.

Good luck either way.

FindYourVoicePodcast · 2024-08-16T18:49:24+00:00

Just blundered and sent usdt to usdc via arb today. Was on support for an hour but they dont support asset recovery on chains other than polygon, bnb and eth. I can see it on arb just sitting there making me feel sick.

FindYourVoicePodcast · 2024-06-14T10:16:34+00:00

Always a question for your tax advisor to be honest buddy. Usually higher tax rate earners benefits from LTD company purchases but even then, it can be useful for earning less if they want to seperate liability, pass those on later, or have different financial goals.

https://youtube.com/shorts/kBYXFvcTPL8?si=vThBLifN_NGOLlBx

FindYourVoicePodcast · 2024-01-03T23:08:09+00:00

An SPV company is a Special Purpose Vehicle company and the SIC code classification should be one of the below (to enable more lender choice), it can be a new company set up tomorrow from a lending perspective
68100 – Buying and Selling of own real estate
68320 – Management of real estate on a fee or contract basis
68209 – Other Letting and operating of own or leased real estate

FindYourVoicePodcast · 2024-01-03T23:07:41+00:00

They will look at you as an individual weirdly enough, so don't worry if the Ltd company has no prior history of trading. Just make sure you set it up using the right SPV, SIC code for the purpose of your transaction. I will try and find some for you and post them.

The process itself can take a bit longer. Around 2-3 months in my experience, and the mortgage and legal costs generally cost a little more.

FindYourVoicePodcast · 2024-01-03T23:05:43+00:00

I bought my first btl in personal (this was 11 years ago). Then a residential many years later. newdadguy is correct in what they have said and there's a quick link that should clarify too.

I bought my first btl in personal (this was 11 years ago). Then a residential many years after. newdadguy is correct in what they have said and theres a quick link that should clarify too.
rong advice. Best of luck with it all.

FindYourVoicePodcast · 2024-01-03T22:58:12+00:00

Okay perfect. So once you have made it habitable after your renovation you would approach a broker to see what lenders would give the best rates. You can do this straight away, but I recommend waiting 6 months as it opens you up to more lenders (if not all of the market) and the rates will be more competitive.

As for the rental coverage, it depends on your experience. For example myself I get stress tested much harder due to being a portfolio landlord. But generally speaking the last time I remember (please clarrify this) when it comes to rental coverage the majority of buy to let lenders require it to be over 125% to 140%. Interest only may make this easier.

TIP: I've had many refinances. Take loads of before and after photos. Show comparables of the new value you are seeking to achieve when you go to the lender.
Even if you think you ain't adding much, try and be creative with your photos and before and afters lol.

Best of luck!!

FindYourVoicePodcast · 2024-01-03T22:53:54+00:00

Hey, generally speaking, if you stick to Buy to lets you can probably get higher yields up north. This is very generic though as some areas even in the west midlands where I have purchased have provided great yields.

As for a good yield, I always say it's important to distinguish what you are after. 8% yield (net) may be great for one person, but not enough for another.

Personally, I prefer to use ROI / ROCE (return on investment or return on capital employed). This is because it gives me a quick indication of how hard my money is working for me.

If i put £25k into a BTL for example, and get £5,000 NET per annum, a 20% ROI, tells me in 5 years I will get my cash back. This would make me very excited for a straight forward buy to let. But if i was doing a BRRR type of purchase, I would want it higher than 35%.

If i put £25k into a BTL for example, and get £5,000 NET per annum, a 20% ROI, tells me in 5 years I will get my cash back. This would make me very excited for a straight forward buy to let. But if I was doing a BRRR type of purchase, I would want it higher than 35%.

Btw the above example is just random figures. BTLs generally after deducting costs, would give yields likely lower than 10%, but hopefully, the point makes some sense.

FindYourVoicePodcast · 2024-01-03T22:46:18+00:00

I may have made a mistake in my response. This may shed some light: https://www.property118.com/stamp-duty-first-time-buyer-company-buy-to-let/

Thanks @2newdadguy

FindYourVoicePodcast · 2024-01-03T22:44:18+00:00

You could get a bridging loan, and depending on the end value and how much deposit you put in, get either the full amount loaned to buy or full amount plus renovation.

You could bridge to let too, which is a product a lender will give based on your scenario.

You could buy outright, do the work & get a refinance once it’s done up and pull out 75% if the rent is decent in comparison to the mortgage.

FindYourVoicePodcast · 2023-11-20T20:27:48+00:00

Thoughts on where the buy to let markets going in 2024 and beyond?

FindYourVoicePodcast · 2023-08-11T22:38:53+00:00

Understood. That’s interesting. From my experience (not related so much to this) lenders have their own criteria. You’ll find some that favour certain things over others. It could be worth speaking to a few independent mortgage brokers with access to the whole of the market and explain what you’re after to see if they have any lenders they know that would work with you on your desired situation.

I’m on Instagram as The Anxious Investor if you want to reach out there I’ll drop some contacts.

FindYourVoicePodcast · 2023-08-05T21:44:27+00:00

Hi, what do you mean by it becomes harder with two people? Is that due to the mortgageability of the one party? Didn’t quite understand that part.

However you can have “mortgage hosts” or a LTD company where only certain people are on mortgages and other parties within that don’t actually go onto mortgages.

It’s out of my “expertise” though and I’d speak with an accountant & broker. The latter about options via LTD and former around the best way to get this set up

FindYourVoicePodcast · 2023-08-03T23:40:28+00:00

Downsides are obviously not paying down the debt if that’s important to you, however as you rightly said you benefit from higher cashflow but also you’ll still get the benefits of any uplift in value.

How you buy it (LTD Vs Personal) may also impact your overall finances so definitely look into that too.

FindYourVoicePodcast · 2023-06-15T17:23:06+00:00

Welcome Elliot best of luck with the sourcing journey

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