How I'm Building a Stronger Buy-To-Let Portfolio

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[PropertyToolkit-Lottie]

'Movement not perfection' is an amazing mantra we can all live by. 100% agree to not wait until the 'perfect' type of property comes along because you'll be waiting . RIGHT NOW is the time! Your work is inspirational Justin and we always enjoy your content.

[ameenr]

1:05 - You look like you're dressed for the London Stock Exchange 😂😂

Great video Justin ❤️‍🔥

[jamtherealist]

most realistic video iv seen in a while

[Thai.Farang]

Great video. I've got six properties myself, all fully paid off. Low stress, maximum rent. I can retire when I want.

[tipswithmoruf]

Amazing content as always. Nice one, Justin.

[Domseey]

Amazing content, Justin. I can honestly say I haven't heard one person talking about those points. Well said! 👌

[circustime_Wiltshire]

This is awesome. Thanks for the insightful videos - I'm just about ready to press go on starting my journey so consuming everything I can

[KharmaComa]

Hi Justin, my approach is to eventually mortgage the properties up to 100% of the original purchase price in order to get all my initial investment out, and then roll the mortgages untill the repayments/princical become peppercorn. This allows for the loan principals on the mortgages to be inflated away over the years, building equity, and increased profitability. At some point I will sell off lower performing properties and use that equity to either buy more properties in cash or reduce overall portfolio LTV's to a level I am more comfortable with. Hope this helps and look forward to your comments!

[esnvlogs]

Great points made and a solid plan. Something I've been thinking about alot recently is converting interest only over to repayment. Great to be able to watch your progresssion!

[areyoutryingtosay]

Being low geared is a wise move but really depends on personal choice and goals whether you want to pay off all debt completely. I'd like to have much more debt than I have in order to buy more, but dealing with banks is just such a hassle, I've been too busy with my day job and life in general.
As to owning fewer properties I also agree, it's good if you can make the same amount with fewer management issues, however I'd prefer to have more because I tend to get a lot of tenants that don't like to pay their rent!

[voiceoverguyharris]

I love your plan for the future. I think I’m on the second stage of your plan. Some great food for thought here. Thank you.

[jayeezy]

Another great, transparent and honest video. Pragmatic and keeping it real as always.

Buying more valuable property is key - quality over quantity!

[silentone]

I gave up property investing 5 years in.. its such a ballache, tenants are a pain in the ass, boilers constantly blow up costing thousands of pounds eating away your profit for the entire year and then some, the gov tax raising constantly.. it's too much stress for the average person. Dividend Stocks are way better, hands off, no tenants to worry about.

[wicked-witch-of-the-west]

The worse part for me atm, is waiting for enough equity to build up, so it can be pulled out to get a third buy to let, but after the 40k deposit and 30k refurb, im having to wait 7 years

[sonia]

Thank you for the content. Can I ask for a standard buy to let where you mention £200-£300 profit per month, how much do you keep aside for voids, maintenance and management please? As in what percentages do you put aside for this . Are the figures you mentioned after these deductions or before?

[Andyc]

My exit plan is the same sell half of what I have and pay the other half off. Will be 4k a month pure cash flow and less hassel as less property. Win win

[res]

Just curious as to why you plan to pay your debt back, Is it for your beneficiaries? Because remaining in debt means you'll be more profitable in 20 years. As long as you don't over leverage I would say the plan would be ultimately to be about 50% leveraged generally. Paying it all back means you'll make less money because you'll have less money to invest in other properties,

You couldn't just clarify please
I would say if you're slowing down at an older age you want a portfolio which is super stress tested and I think 50% is spot on however you could go as low as maybe 30% but I think being unencumbered completely is most likely foolish

Another issue about selling assets to pay down your debt you will trigger capital gains tax I truly think remaining in debt is more sensible but I would love to hear further

[hdun]

If we payoff our debts, what about all the equity left in the property that we are not utilising?

[MrJeffHead]

Do you cash flow more from your properties or your brand/business? I'm not against BTL for certain people and its ok as a first step into investment but its not for an entrepreneur

[Dannyboi]

If you had the initial money, would you go straight into more valuable houses? im in the position and just wondering 🤔