Samuel Leeds is a UK investor in the property market. He runs courses teaching people how to do what he does. I know some people have sued him so I was wondering if anyone has hands on experience and is he legit?

about to sell my London flat and am aware it's not a great market time, but also equally aware i'm done being a landlord and i live in the US now.

Am steeling myself for the property to be on the market for a while and to reduce at some point if no firm offers. I started going through my old documents when i purchased the flat in 2009 and it took 4 months from first viewing to when i completed.

i'm seeing London sales now taking 6 months or more from start to finish.

In the US, a house sale is done start to finish in 30 days or less with very strict deadlines.

Aside from London being a significantly older place than America in general, does anyone know precisely why the US is so much more efficient and why the UK has so much red tape?

Thinking of renting out property while relocate (vs selling and keeping in high interest savings or investing for several years before buying new property in area we are relocating.

Its in a popular up and coming area close to transport links (which makes us reluctant to sell now) with mortgage paid off so would probably get around £1,300 month rental income. Jointly owned with partner. We are both lower tax bracket currently but my partner is just below higher tax threshold so his half of the rental income would probably take him to 40% bracket.

How much realistically of that rental income would we get profit from? I.e. taking into account tax, Money aside for repairs etc, management company?

Is it really not worth the stress unless you have a portfolio of several properties?

Curious what people actually use to calculate an investment rating on a property. I tried the AI assistant on Rightmove, but either it can't do this or I just didn't work out how to use it properly.

Do you have a spreadsheet you've built up over the years, a paid tool, or do you just do it in your head at this point?

What's the number you always end up recalculating by hand after a auto tool gives you an investment score?

So I have just relocated and I’m in the process of renting out my home which I bought in April 2025, ideally I would sell this house now and just re invest that money into investment property via a ltd company, however due to the current market it wouldn’t make sense. My 2 year fix ends next April, and my current LTV is 88%, what would be my best steps going forward? I don’t really want to chuck a load more money at a property that is loosing me money each month, but in order to change to a BTL Mortagge surely I don’t have much choice?

Thank you

My girlfriend, son and I have lived in our small apartment for the last few years. It’s a small 2 bed and has been a good first home for us. Around 350k left on our mortgage. Share of freehold.

We’ve recently been given the chance to consider buying the apartment downstairs. It needs a heavy refurb and redecorate; new kitchen, new bathroom. But it would be sold for a third less than market value because of the refurb and other circumstances and is roughly double the size of our current property. It is also approx £100k less than our current.

What should we think about when we approach this? Initially I had some dreams of buying it and creating a duplex but I don’t think that’s going to work due to rules around mortgages? Do we sell our current flat and buy the downstairs? We both have good jobs and some savings. If I could buy both and rent the top one out I would but I don’t think it’s worth it or an easy thing to do anymore?

Current plan we are exploring is to sell ours, buy it, do it up, enjoy the extra space and sell it in a few years. What have I forgotten to consider? Do we just buy a new property we really love?

I am considering purchasing an investment property via a ltd co. Have looked at some new builds near a big tourist attraction in the south-east of England (not London).

It’s currently unclear, but the sales rep from the developer side said that there is a restriction against holiday lets. It’s not from the council according to research so maybe something that will be in the lease or planning permissions.

They did mention that another developer on their site had the restrictions lifted. There also appears to be properties on their specific development which are actively advertised on platforms with guest reviews in recent weeks.

Does anyone here have experience of this situation? Is it possible to work around such a restriction? How feasible is it that it can be enforced? Would appreciate any knowledge and insights.

For landlords who have property in Harrow we have created a guide for the selective licence schemes that are now active in 2026. The fines for not being licensed are up to £40,000 and courts can mandate a repayment of rent to your tenants of up to two years. So this is not something that landlords should take lightly and if you are exposed then act swiftly.

The guide sets out what you need to know, what areas are in scope and how professional help can help you manage the complex requirements of licensing.

If you are overseas and self-managing then you need to pay special attention as you need a local representative to sign a declaration taking responsibility for meeting the conditions of the licence. This person or organisation needs to be properly trained and understand these responsibilities.

We are a Propertymark company and would recommend that you use a suitably qualified outfit if you are licensed. The penalties for non-compliance are severe and councils are taking a much more aggressive approach to targeting landlords for fines. If they knock you really do want someone on your side who understands the rules so you can prove you are compliant.

I’ve been thinking about this a lot lately and honestly can’t decide.
On one hand you’ve got rental properties. On the other, starting some kind of business. Both seem like the classic “build wealth / create cash flow” moves people talk about, but I’m curious what the actual experience is like in the beginning.
Do either of them actually put money in your pocket early on, or do they both just eat cash for a while?
Would love to hear from people who’ve done one (or both):
• How long did it take before you saw real cash flow?
• What surprised you the most?
• If you had to pick which would you choose and why?
Just looking for real experiences and opinions. What’s your take?

I used to live in a small house on a mortgage for 14 years before moving out to a bigger rented property.

My plan was always to sell and buy another house.

Rethinking about it, with the current ltv being 40%, I would like to look into renting it out.

I would like it to be managed by a company rather than in my name.

Where the company may be able to refinance and get another mortgage to buy another house.

Where do I start? I feel that I have big plans, but don't know how to execute.

Like many others i buy buy to lets in a ltd company with a mortgage. I'm asked by the mortgage company to for myself, a witness and an independent solicitor to sign the document to say it's been understood. Previously i'd go to a small, local solicitor, it would take 10 minutes to read through and make sure it's been understood and cost around £50.

Unfortunately this solicitor has retired and i've been getting quotes for the work coming in at £500-£600.

I'm just wondering what anybody else has been paying and what experiences you've had over this?

I have been offered a chalet in Cornwall for £38k, there is only around 36 years left on the lease. It’s 2 bedroom and close to Newquay.

Is it worth me buying it to rent out? Or am I better off investing in an all world/s&p 500 etf?

I don’t live close so would be relying on third parties for cleaning and maint.

Opinions on what to include in a rental agreement. Looking after garden, general care of property, rent reviews, property inspections and the likes

Hi.

Trading co has approx £500k on the balance sheet which I’m looking to move elsewhere for protection

The property co spv has about £1m in assets and nearly the same in loans (banks mortgages or directors loans as well as a loan from the trading co)

Option 1 set up a new holding co to sit above both the property co and trading co. One issue is I’ll find it a challenge to get mortgages in the future as there are fewer lenders that loan on this structure.

Option 2 set up a new holding co to sit above the trading co get the holding co to do loans to the property co for future investments

Option 3 have the property spv become the holding co of the trading co. Not sure the mortgage lenders will like this one.

I’m leaning to option 2 but would appreciate the thoughts of anyone that has done this.

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Just a heads up for anyone who is struggling with self assessment or MTD. We have partnered with landlordaccounts.co.uk for our clients to get free MTD for the first year if they sign up to have their self-assessment for 25/26 done. The cost for the self assessment starts at £350 for a single property self-assessment with PAYE income. All four MTD submissions will be done free of charge on the basis of information provided. This includes software.

Just email admin@landlordaccounts.co.uk and mention that we referred you and they will honour the offer.

The deadline for the first submission was today and many have missed it. If you have don't panic. There is no financial penalty and if you get on track then the late submission will clear from your account.