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ShortI looked at 200 properties searching for an HMO. 180 weren't actually HMOs. 15 had licensing issues. The discovery problem is the real problem — and nobody talks about it. #HMOSearch #PropertyInvestor
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VideoYour bank won't touch HMO mortgages. Here's the specialist system that 90% of new investors don't know exists.
Article
Your high-street bank almost certainly won't touch your HMO mortgage application. Not because your finances are weak — but because most of them simply don't offer the product. Here's the specialist system that exists specifically for this, and why 90% of new HMO investors waste months not knowing it's there.
ShortYour bank didn't decline your HMO mortgage because of your finances. They declined because they don't sell the product. 30+ specialist lenders do. Most investors never find them. #HMOMortgage #PropertyFinance
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VideoSection 24 killed personal-name landlording. But most HMO investors setting up Ltd companies are making one critical mistake with their mortgage structure.
Article
Section 24 killed personal-name landlording. But most HMO investors setting up Ltd companies are making one critical mistake with their mortgage structure — and it's costing them far more than the tax saving they worked so hard to protect.
Short80% of new BTL purchases go through Ltd companies now. Most investors get the structure right — then pick the wrong mortgage fix length inside it. The stress test difference alone can cost you tens of thousands in borrowing capacity. #Section24 #HMOMortgage
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VideoLondon landlords are losing money. Meanwhile these 5 cities are quietly delivering 10%+ yields on HMOs.
ShortLondon HMO yields: ~4%. Liverpool, Manchester, Sheffield: 10%+. The North vs South yield gap isn't closing. It's widening. #HMOInvestment #RentalYield
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ArticleMost landlords I speak to are still fixated on London. They're sitting on properties yielding 3-4% gross, watching their margins get eaten by mortgage costs, while investors in Liverpool and Sheffield are quietly banking 10%+ on HMOs.
VideoEvery UK landlord has until 31st May to do ONE thing — or face a £7,000 penalty. Most haven't done it yet.
Article
Out of 2.3 million private landlords in England who must comply, the government's own information sheet was downloaded just 153,000 times in the four weeks after it was published. That gap is about to become very expensive.