Inflation vs Interest!! Yes please!! It's a fascinating topic and I'd love to hear your thoughts on CPI inflation vs circulating monetary supply inflation. From a fellow PE member
Inflation vs interest..also could u do a video about the refurbishment team .what and who is good n who is shit ..also any tips feel free to chuck them in mate 👍
How can maintenance, tax on rental income, management fees, legal fees and stamp duty not be included here? That would completely remove the £7200 profit over that time period. All you’re left with is debt, lost time/stress and opportunity cost. Then if you ever want/need your money out you are heavily taxed again.. cash flow is obviously important if you never sell your properties. If you have £30,000, put £20,000 in a tax free Global index funds and enjoy the compound interest until BTL starts being financially viable again and enjoy watching bargain house prices appearing in the next few years with money growing risk free at 10% and easily accessible at anytime tax free. Or if you want risk 75% leverage your cash on the S&P 500, it’s a 30% return with zero effort and the same level of risk as buying 75% leveraged interest only property in an impending housing crash with worse interest rates in decades.
May I ask if you could steer me in the direction of more info regarding Global Index Funds and how to sign up? I'm UK based but soon to be non-resident again with work. I would like to start investing the little savings I have in this but I'm not sure where to start.
That wasn't the point of the video... I said, ignore the fees, this is as a representation of a mortgage vs cash. I quite like stocks, but only if you have ISA capacity
@@JamieYork how can you ignore the fees when the cumulative fees give you an overall idea if it’s a worthy investment or not? A video with all the fees included would be better for making informed decision
@@johndoe5715 I’m not, I don’t leverage. But if your risk appetite is high, like a 75% BTL in a bear market, you can leverage the S&P 500. It’s up 11.20% in the past 12 months. So with the 3X S&P 500 Vanguard EFT that’s over 30% for example. You definitely shouldn’t do this. It’s mad to leverage in this market in any asset class. Over-leveraging has and will always cause market crashes and rightly wipe out ppl who are greedy enough to use it..
But what about tax? Take another 20% out (if you're lucky) then another 10% for agent fees (if you're lucky) Then maintainence costs The majority of BTLs are not generating positive cash flow at 6.5% rates. Why do this when you can get 5.5% return in a ISA with no risk? I am going to wait for rates to get below 3% before i do BTL again. My current one is fixed at 1.8% until 2027. Hoping rates are below 4% then
Your 5.5% strategy is not zero risk at all because you are guaranteeing losing your money in real terms whilst inflation is still 6-8%. If BTLs don't work for you then stocks are another investment tool that doesn't guarantee you losing your purchasing power. Locking in 5.5% now is losing your money over time. If the tax is an issue, limited companies offer many advantages such as mortgage write-offs and not dealing with pesky income tax!
@TheTommowg company incurs massive tax withdrawing the money And 5.5% fixed for 2 years is still good as inflation is 6% this past year, next year and year after much lower than 5% Plus all tax free
@@sparkymmilarky I completely agree if you’re looking to live off the cashflow of the property as a dividend then that makes sense. But most property investors re-invest any cashflow and are in it for the long term capital gains which is we’re LTD co. are better for most. I personally wouldn’t call losing purchasing power good. Holding cash except for an emergency fund or day to day purchases really doesn’t make any sense unless you’re aiming to be poorer in the long term.
Inflation Vs interest. (Thanks) is all about taking the risk to do it, because as you said they "pay us" to take on the risk. The game of inflation Vs interest is not easy but I believe is the game that we will have to play to make money now.
Hey Jamie! Thanks for enjoyable and useful video which I've just watched today. I am very interested in your BTL Free Guide. Is it still possible to get it?
Haha true, I work in immigration, so I deal with the ones that come off the boat. It's actually changing soon so they will be staying in UK no more than 30 days
Should one repay the interest only mortgage? If you dont then Isnt there a risk that when you come to renew your mortgage in 2 years , the lender may give you a higher rate then before and now you cannot make profit from the rentals? While if you were to keep paying the mortgage down each year its better as you still make some profit? Especially nowadays as the interest rates are high and will remain at highlevels for a good few years and never going back to 2% level?isnt it better to keep your loan amount lower to make some profit from rental income?
Thanks for the video. I have a question. My Gf has proposed I live with her in her house that is owned and wants 800pm. However, I want to own a property and the rent will not go towards my equity. If you were me, what would you do?
I’ve started watching your videos from yesterday. And watched almost 20 of yours. I’m the first time buyer and was interested in buying a property of 3,50 in colchester. The deal is supposed to be completed in a week. Luckily your videos were eye opener for me. Worst part is the letting agent is calling me since morning. Thinking how to say NO 😉
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?TH-camOrganic and fill in your details, and a member of my team will be in touch! 😊
A sales man will always find a way to sell his product (or services in this case) now combined returns is what story is been spun. Think I would have more respect if you just said BTL is super hard right now, prices are dropping so your combined return is rubbish as its wont happen in the next few years) and to just either be patient or look for the bargains that are appearing and be smart with what you buy. Your inflation part of the video was spot on however
It's not selling anything... the whole video is about the impact of inflation... also... combined return is my simple way of communicating. In investment it's called IRR. Which is quite complex for the average viewing to digest without a 1 hour video... but its how you acknowledge the full investment. BTL isn't hard right now, unless you are approaching it will short term thinking
So it only works for people who don't need cashflow and who can buy 12 properties at a time and who dont mind waiting for 20 years... I'm buying £70k properties for £59k that after an uplift are worth £95k and bring in £850pm but I'm still flipping those because of lack of cash flow...
Thanks...Still skint because the money just gets me out of the "busy" pool of investors with the same cash....it's corner shop Freddo bars and pot noodles for me for a while yet! I did learn something about capital appreciation being part of the value increase along with rent so...thanks!@@JamieYork
APG ....... I have been putting this comments in your other videos also but @Jamie, no one from your team has ever reached out to me.. so please can you / someone connect with me ASAP if you are seriously looking for the comments.
Hey! Sorry if I have missed your comments If you click on this link and fill in your todays the team will give you a call today/ Monday Www.aspirepropertygroup.co.uk
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/? and fill in your details, and a member of my team will be in touch!
your figures are not quite correct you haven't allowed for the tax burden- now you don't get tax relief on the loan the rent would be in a loss situation and you have no allowance for fees or maintenance figures or empty periods - in fact with the situation you described the landlord would be paying each month to own the property as rent would not cover it and this is why landlords are selling up.
"Buy-To-Let mortgages uk... Are they worth it?" - your answer is YES if ... This is misleading and incorrect. People want to know the answer of the video in real life - not some artificial, lab experiment - no fees, no taxes, etc. One of the comments below explains why BTL is not worth it. This video sounds like a click bait.
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inflation vs interest
love the vids :)
Inflation v Interest
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Inflation vs. Interest please.
Thank you. Very insightful video :)
Thanks for watching! 👍🏻👍🏻
Inflation vs Interest!! Yes please!! It's a fascinating topic and I'd love to hear your thoughts on CPI inflation vs circulating monetary supply inflation. From a fellow PE member
👍👍
Inflation vs interest..also could u do a video about the refurbishment team .what and who is good n who is shit ..also any tips feel free to chuck them in mate 👍
👍👍
Inflation vs interest - I think I get it, but I’d love to see your analysis anyway!
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Inflation vs interest. Kindly do video for better understanding of the topic
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Shrinkflation, Cadbury creme eggs shrunk in size and the multipacks went from 6 to 5! Was a sad day when that happened 😞
Don't even get me started on Mars bars😩
Not the cream eggs!
There are sick people in this world, Rik!
Good job as always 👍🏻
Thank you! Cheers for watching!
Thank you very much for an easy to understand video.
Inflation vs interest, please.
Just got my MIP on my first bricks and mortar buy-to-let and I'm beyond excited to start leveraging money 😅
How can maintenance, tax on rental income, management fees, legal fees and stamp duty not be included here? That would completely remove the £7200 profit over that time period. All you’re left with is debt, lost time/stress and opportunity cost. Then if you ever want/need your money out you are heavily taxed again.. cash flow is obviously important if you never sell your properties. If you have £30,000, put £20,000 in a tax free Global index funds and enjoy the compound interest until BTL starts being financially viable again and enjoy watching bargain house prices appearing in the next few years with money growing risk free at 10% and easily accessible at anytime tax free. Or if you want risk 75% leverage your cash on the S&P 500, it’s a 30% return with zero effort and the same level of risk as buying 75% leveraged interest only property in an impending housing crash with worse interest rates in decades.
May I ask if you could steer me in the direction of more info regarding Global Index Funds and how to sign up? I'm UK based but soon to be non-resident again with work. I would like to start investing the little savings I have in this but I'm not sure where to start.
That wasn't the point of the video... I said, ignore the fees, this is as a representation of a mortgage vs cash.
I quite like stocks, but only if you have ISA capacity
@@JamieYork how can you ignore the fees when the cumulative fees give you an overall idea if it’s a worthy investment or not? A video with all the fees included would be better for making informed decision
how are u getting the 30% return with the s&p 500?
@@johndoe5715 I’m not, I don’t leverage. But if your risk appetite is high, like a 75% BTL in a bear market, you can leverage the S&P 500. It’s up 11.20% in the past 12 months. So with the 3X S&P 500 Vanguard EFT that’s over 30% for example. You definitely shouldn’t do this. It’s mad to leverage in this market in any asset class. Over-leveraging has and will always cause market crashes and rightly wipe out ppl who are greedy enough to use it..
But what about tax? Take another 20% out (if you're lucky) then another 10% for agent fees (if you're lucky)
Then maintainence costs
The majority of BTLs are not generating positive cash flow at 6.5% rates.
Why do this when you can get 5.5% return in a ISA with no risk?
I am going to wait for rates to get below 3% before i do BTL again. My current one is fixed at 1.8% until 2027. Hoping rates are below 4% then
I’m same here I’d say it’s long term game like 20 years. Rents will only ever go up so cash flow will come back
Your 5.5% strategy is not zero risk at all because you are guaranteeing losing your money in real terms whilst inflation is still 6-8%. If BTLs don't work for you then stocks are another investment tool that doesn't guarantee you losing your purchasing power. Locking in 5.5% now is losing your money over time.
If the tax is an issue, limited companies offer many advantages such as mortgage write-offs and not dealing with pesky income tax!
@TheTommowg company incurs massive tax withdrawing the money
And 5.5% fixed for 2 years is still good as inflation is 6% this past year, next year and year after much lower than 5%
Plus all tax free
@@sparkymmilarky I completely agree if you’re looking to live off the cashflow of the property as a dividend then that makes sense. But most property investors re-invest any cashflow and are in it for the long term capital gains which is we’re LTD co. are better for most.
I personally wouldn’t call losing purchasing power good. Holding cash except for an emergency fund or day to day purchases really doesn’t make any sense unless you’re aiming to be poorer in the long term.
Amazing video! So very interesting!
Glad you enjoyed it, thanks for watching!
Inflation Vs interest. (Thanks) is all about taking the risk to do it, because as you said they "pay us" to take on the risk. The game of inflation Vs interest is not easy but I believe is the game that we will have to play to make money now.
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Inflation vs interest
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Can you just buy a 2nd house then rent it out as a private landlord without declaring it as a buy to let?
Inflation vs Interest!! Definitely please
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Inflation vs Interest please explain in more detail
Roger Roger
Inflation vs Interest please !
Jamie one video talking about all the considerations, tax, inflation, etc would be much appreciated.
Inflation /intrested rate
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Can you explain the pros and cons of property investment through personal BTL vs a LTD BTL? Or have you already got a video on this?
Interest vs inflation - thanks
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Good video - If you had Rachel Riley presenting would watch em all
Are you saying I’m not as good looking as Rachel Riley? How dare you! 😉
Inflation v interest
Thanks for another great vid
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Please, make a video about let to buys
inflation vs interest
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Inflation v interest
I got my mortgage at 1.84% pre-2022 interest boom. Be interesting to see a dive on that
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Hey Jamie! Thanks for enjoyable and useful video which I've just watched today. I am very interested in your BTL Free Guide. Is it still possible to get it?
Inflation vs interest video please 🙏
Hold my beer!
Inflation Vs Interest
I’m so confused … but before that point! 😂
So to answer the original question - it is still worth it?
buy a hotel and rent the rooms out to the Government to house illegal immigrant's. Easy money!
Haha true, I work in immigration, so I deal with the ones that come off the boat. It's actually changing soon so they will be staying in UK no more than 30 days
@@lovelyjubbly87 Yea heard that one before I used to work a Yarl's Wood.
@@lovelyjubbly87How in the hell will they process them that quickly?!!
@@lovelyjubbly8730 days? 😂😂 takes a month to register their names
Hell no...
Inflation vs Interest
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Should one repay the interest only mortgage? If you dont then Isnt there a risk that when you come to renew your mortgage in 2 years , the lender may give you a higher rate then before and now you cannot make profit from the rentals? While if you were to keep paying the mortgage down each year its better as you still make some profit? Especially nowadays as the interest rates are high and will remain at highlevels for a good few years and never going back to 2% level?isnt it better to keep your loan amount lower to make some profit from rental income?
Inflation v interest - gagging for it Jim
🤣 🤣
Blooming hell, you’d be lucky to get a room in a shared house for £650 where I live.
Jeeeeesussss
Very good information.
Well it's not because he doesn't mention 20% tax or agents fees 10% at the lower end
Cheers mate!
inflation versus interest
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Thanks for the video. I have a question. My Gf has proposed I live with her in her house that is owned and wants 800pm. However, I want to own a property and the rent will not go towards my equity. If you were me, what would you do?
Anyone else is impressed at how good he is at math ?
Haha, thanks!
Inflation v interest !??
Inflation Vs interest
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What interesting me is how you can benefit from capital growth in full owning only 25% of the property as your calculations indicate 🤔
You own 100% but you only need to put in 25% of the money 😊
@@JamieYork even if you're paying interest only ?
Inflation v interest! :)
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Inflation vs interest!
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inflation vs interest please
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If you do that then your rooms will get destroyed in no time, and in stead of making money you will be sow door all your profits on repairs.
Inflation v interest
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Inflation vs Interest!
The equation does not work when capical "growth" becomes negative.
I am not worried about that though, as that is incredibly short term if and when it happens
😊
inf vs int
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I’m curious to hear you’re from which part of UK? 😅
Dartford originally
I’ve started watching your videos from yesterday. And watched almost 20 of yours.
I’m the first time buyer and was interested in buying a property of 3,50 in colchester. The deal is supposed to be completed in a week. Luckily your videos were eye opener for me.
Worst part is the letting agent is calling me since morning. Thinking how to say NO 😉
Inflation v Interest
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Inflation V interest
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Inflation versus interest
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APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?TH-camOrganic and fill in your details, and a member of my team will be in touch! 😊
A sales man will always find a way to sell his product (or services in this case) now combined returns is what story is been spun. Think I would have more respect if you just said BTL is super hard right now, prices are dropping so your combined return is rubbish as its wont happen in the next few years) and to just either be patient or look for the bargains that are appearing and be smart with what you buy. Your inflation part of the video was spot on however
It's not selling anything... the whole video is about the impact of inflation... also... combined return is my simple way of communicating. In investment it's called IRR. Which is quite complex for the average viewing to digest without a 1 hour video... but its how you acknowledge the full investment.
BTL isn't hard right now, unless you are approaching it will short term thinking
Do I have to pay property tax 4% for buy to let property. Can you make a video on this
Inflation vs interest😊
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So it only works for people who don't need cashflow and who can buy 12 properties at a time and who dont mind waiting for 20 years...
I'm buying £70k properties for £59k that after an uplift are worth £95k and bring in £850pm but I'm still flipping those because of lack of cash flow...
That's wicked, well done bud. That works if you are in need of the short term cash and have the time. Well done!
Thanks...Still skint because the money just gets me out of the "busy" pool of investors with the same cash....it's corner shop Freddo bars and pot noodles for me for a while yet! I did learn something about capital appreciation being part of the value increase along with rent so...thanks!@@JamieYork
APG ....... I have been putting this comments in your other videos also but @Jamie, no one from your team has ever reached out to me.. so please can you / someone connect with me ASAP if you are seriously looking for the comments.
Hey!
Sorry if I have missed your comments
If you click on this link and fill in your todays the team will give you a call today/ Monday
Www.aspirepropertygroup.co.uk
INFLATION VS INTEREST
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Inflation Vs. interest
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Making overpayments on existing BTLs a priority rather than trying to acquire new ones seems like a decent plan.
Want to learn more about Buy-to-Let's, download my free guide here: bit.ly/jyboringvanillabtlguide
Inflation v interest 🙏
First comment!
Welcome back!
apg
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/? and fill in your details, and a member of my team will be in touch!
Int vs inf let's go
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Inflation V Interest
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inflavtion vs interest = How my Dad made money ;-)
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inflation vs interest 100%
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your figures are not quite correct you haven't allowed for the tax burden- now you don't get tax relief on the loan the rent would be in a loss situation and you have no allowance for fees or maintenance figures or empty periods - in fact with the situation you described the landlord would be paying each month to own the property as rent would not cover it and this is why landlords are selling up.
You are talking about owning the property Persoanlly. But there is still 100% tax relief when owned in a business which most of us do now
@@JamieYorkwhat do you do with the profits, I mean how do you pay yourself? Dividends or salary?
"Buy-To-Let mortgages uk... Are they worth it?" - your answer is YES if ...
This is misleading and incorrect. People want to know the answer of the video in real life - not some artificial, lab experiment - no fees, no taxes, etc. One of the comments below explains why BTL is not worth it. This video sounds like a click bait.
Jamie vs Samuel 😀
Ha!
Jamie
You’re not surely doing those sums in your head are you? You’re like a human calculator!
Haha, I am indeed. Although that’s also why I mess up sometimes 😂
This video was a wtf for someone who hates numbers
😂 haha, love it!
Inflation vs interest
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inflation vs interest
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Inflation vs Interest
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Inflation v interest
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APG
Thanks! Go to www.aspirepropertygroup.co.uk/?TH-camOrganic and fill in your details!
Inflation vs Interest !
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Inflation v Interest
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Inflation vs interest
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Inflation vs interest
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Inflation vs interest
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Inflation vs interest
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inflation vs interest
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inflation vs interest
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Inflation vs interest
Thanks
Inflation vs interest
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Inflation vs interest
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Inflation vs interest
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Inflation vs interest
What this space
Inflation vs interest
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Inflation vs interest
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Inflation vs interest
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