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  • Buy-to-Let

    My three phases of BTL



    I have documented the three phases of my BTL journey as follows:

    Phase One 1996 to 2007

    Read "Rich Dad Poor Dad" -  Borrow as much as I can 85% Mortgage was the norm. Buy a Property at the beginning of the month. Re-mortgage it by the end of the month pull out my cash reinvest again and again ....

    Phase Two 2007 to 2015

    90% of my Portpholio  drops to Base Rate of .5% - Cashflow goes through the roof - Phase One Portfolio drops by around 50%  New Plan save 25% deposits and Buy Buy Buy!

    Phase Three 2015 to present

    Osborne starts his quest to end my BTL business.  Lots of thinking to do

    Result = I don't borrow anymore cash

    Start investing with a Company selling property into new Company Start Using Director's Pensions

    Start serious plan to invest in Equity Market - the More Tax free the better

    Start my Build to Rent Project with cash reserves and using an old Commercial Property I had purchased in the early 2000s

    Over all plan for future = keep Building Homes and investing in other assets and keep chipping way at the S24 Issue

    Outlook I believe is very good if you have the cash to invest in BTL long term and keep looking over my shoulder with the hope Corbyn and gang don't come to power

    But - and this is the Big But - I don't expect to make a lot of money in capital growth so my exceptions is Zero

    If it happens it is a bonus.

    This is my own plan for 2019 a duplicate of what I have been doing in 2018.

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    Learn Change and Adapt ?????

    All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.

    My phases,

    20% LTV purchase ten properties since 2010. Now have 10 properties with 60% LTV rate & rental percentage of 545%.

    Next Jan 2019 complete on two new properties purchases ( currently underway) and buy at least one BTL each forthcoming year to reach  to 15 properties.

    My mantra is immediate rental income &  long term  capital appreciation. I expect to see 30% capital appreciation in next 5 years. Based in Scotland where it’s still possible for now to get great yields and the prospect of appreciation.



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    Now back to the real world.

    Mid 2018 bond markets pointing to slow down, late 2018 recession dangers now become a real threat.

    Asset bubble begins to burst as property prices start to decline. Currency markets become more volatile as do stock markets.

    People begin to get fed up with the austerity over last few years.

    Governments come under pressure as social unrest picks up during 2019. Late 2019 recession begins to bite, with talk of depression.

    2020 first signs of going into depression governments begin to panic.

    Unemployment rises, homeless begins to become a problem. Government forced to compulsory purchase empty properties and bring in new laws about evicting people from homes both private and public sectors.

    Financial institutions forced also.

    2021 depression now reality with comparisons to the 1930's. 

    2021-2025 countries work through the depression resulting in major political changes as people no longer accept what has happen in the past.

    Calls for fair distribution of wealth and those who can afford it higher taxes.

    During this time China pushes its influence wider taking control of the South China Seas, Russia does like wise with western Europe through gas supplies. USA dollar no longer becomes a reserve currency but a New Asian dollar  takes over. The New World order comes into play.

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    There is intelligent scepticism and there are irrational conspiracy theorists...

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    Speak to those in France, 5th weekend of trouble, now spreading slowly , Belgium, Greece, Netherlands, Sweden, Canada even signs in the UK. People see that  the Liberal Democracy System is not working-. its between the people and an out if touch elite.

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    Your optimism could become contagious.Anybody got a gun

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    Tripe. The French have a bloody street revolution every 10 years. Nothing new there. The Greeks have experienced an unholy depression AND immigration crisis, yet their protests amount to little more than 300 bed-wetting socialists holding commie-based slogans. Hardly Tiananman Square, is it?

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    Just wait and see. xmas and winter months not the usual time for protests. Wait until the summer begins then we see whose right or wrong.

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    Back in  the summer I said bond, equity ,currency property prices would start to readjust downwards. Also interest rates would begin to rise. To date this first phase of asset revaluations is taking place. E

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    Interest rates had no other way to go other than up so that's hardly an amazing prediction, and you said in the summer this would happen when it happened in the Autumn...

    And the other asset classes you've got a 50% chance of being correct if you've said up or down. A broken clock is right twice a day!

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