VideoI Spent 6 Months Searching for an HMO. This Is What Nobody Tells You.
I looked at 200 properties. 180 weren't actually HMOs. 15 had licensing problems. Here's what I wish I'd known from day one.
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VideoI looked at 200 properties. 180 weren't actually HMOs. 15 had licensing problems. Here's what I wish I'd known from day one.
ArtikkeliI looked at 200 properties. 180 weren't actually HMOs. 15 had licensing problems nobody flagged. Here's what I wish I'd known from day one.
LyhytI 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.
ArtikkeliYour 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.
LyhytYour 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.
ArtikkeliSection 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.
Lyhyt80% 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.
LyhytLondon 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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ArtikkeliMost 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.