Yianni asks the best questions to make it very clear for everyone 👏
@ReimaginedAudioCinema
4 ай бұрын
Thank you Yianni on being open and transparent on this journey, I have learnt a lot here
@Y14nny
4 ай бұрын
🙌🏼
@Fry_Plantain
4 ай бұрын
I really appreciate these types of videos from yang. From the interviews with the wrap customers about the nitty gritty to the honest convos about money. Lots of KZitemrs only focus on the Flash and glamour and intentionaly leave out their low points to keep the facade running but these are refreshing.
@TerraRyzin10
8 күн бұрын
Who is yang?
@HanleiHess
4 ай бұрын
Thanks Yianni Much appreciated for this knowledge
@jasonpatterson365
4 ай бұрын
A nice short series on property investing, 1 more to go in this series. I enjoyed it. 👏🏿👏🏿
@Y14nny
4 ай бұрын
Thanks
@jonathanlinsley8430
4 ай бұрын
So so many priceless questions asked, and answered there! Priceless conversation here
@CoupleMs
4 ай бұрын
Top man Yianni, genuinely appreciate the info! 🤝
@Y14nny
4 ай бұрын
🙌🏼
@teddy6888
4 ай бұрын
24% Capital Gains Tax from 6th April 2024. Don't jump to the limited company setup until you consider how you are going to scale up and manage the assets.
@hassanrashid5816
4 ай бұрын
So if your plan is to just have 1 -3 properties is personal better and pay the tax?
@lyonheirholdings285
4 ай бұрын
@@hassanrashid5816 No what your better off doing is going limited, collect the rental income, but use this to pay down the debt each year instead of collecting the profits. Then after 5-6 years of doing this remortgage and release the rental profits plus the assets appreciate as a remortage loan. Then reinvest these funds with zero tax liability as this money is borrowed you dont have to pay tax. This a Btec tax invasion lesson which is perfectly legal.
@jerryrawlings8885
4 ай бұрын
@@hassanrashid5816 With a job 3 properties will put you in the higher rate tax bracket of 40% you will pay alot of income tax so maybe not a good idea go limited company you need to hold property for a long time get as much profit from rent that you make your deposit back then sell when you have nothing to lose hopefully everything to gain.
@LordBeezy18
4 ай бұрын
Really enjoy the videos about your other business ventures outside of Yiannimize. And appreciate you being open and transparent in the process.
@CHARCOALBURNERS
Ай бұрын
Well done, nice job 👍🏼 Thanks for sharing your journey 👍🏼
@tirfi_i2264
4 ай бұрын
Yianni is the most humble guy ever thanks for this video lots ideas gained. Thanks 😀
@uwaispatel1354
4 ай бұрын
Homes under the hammer yanni addition 😂. Love it
@cephasmakuzva
4 ай бұрын
Very informative and you ask all the right questions so we get a full understanding and explanation.
@samdub
4 ай бұрын
Fair play to you Yian putting these figures out there. Shit should be taught in school
@nikpatel1022
4 ай бұрын
So some good points here, however, not all precise. Tax at 19/24% is dependent on T/o. LTD Co. Is not for HODL only, the LTD Co. buying also needs to be understood better as there are reasons for doing this in personal name (rates/LTV) are some reasons why. LTD Co. Lending is also more stringent and the due diligence is far more intrusive then a standard off the shelf loan. Stress testing is correct and we do this as a bank. This can be blended and the DSC & ICR can be flexed. There is also the valuation VPV that has not been aired.
@pharoahkenun999
4 ай бұрын
This journey encourages people to invest in run down areas which in exchange helps the area improve as love & attention can transform it for the better
@paulharrison7968
4 ай бұрын
Property does look awesome. The way this process has been explained is very informative for those that don’t know. Yianni has a unique style and is very authentic, let’s see more different topics with his view on things. Excellent
@HenryLancaster-x9g
4 ай бұрын
Good video, Yiann for those who don't know you should explain pulling the 195k out upon re-mortgaging and what tax needs to be paid - should you put that 195 straight into the 370, meaning you'll only be borrowing 175, plus your deposit, and whether you avoid taxes by doing this etc. This is the real benefit people want to know about etc.
@hassanrashid5816
4 ай бұрын
Don't think you need to pay tax of financed money as that is the beauty I believe. I could be wrong
@iyaboa8182
4 ай бұрын
Thanks for this informative video, Yianni 👏🏽👏🏽.
@willoates1258
4 ай бұрын
VERY few people are actually better off holding property in a company. Yes, headline tax rates are lower and yes, you get tax relief on all your interest but as soon as you start drawing money out of the company you can easily end up paying more tax. Plus mortgages are more difficult and more costly for limited companies to get. BE CAREFUL!
@oasdfe1691
4 ай бұрын
Amazing video Yianni, also a prime example why houses should be restricted to 1 per person. Imagine if we did that, we help all of us get something
@daveharrisonjnr
4 ай бұрын
I started my property journey from buying my first property from local authority and I got it for next to nothing so I was lucky enough to get it for next to nothing!
@Johnson-ce9yr
4 ай бұрын
I’m loving these types of vids Yanni
@jarrydganaspersad6154
4 ай бұрын
Watching from South Africa and its interesting to see the differences in the purchasing of property between the UK and SA
@benjolly354
4 ай бұрын
You should be proud of yourself and what you've achieved! Top man 👍
@zain.al1
4 ай бұрын
The 2019 mortgage was surely a full repayment - on interest only, 195k at 4% should be 650/month
@Y14nny
4 ай бұрын
Was suppose to say based on the variable rate not 4%
@Andy-uf8jq
4 ай бұрын
A good video that explains heaps in a clear way, mortgages can be a minefield, especially if your circumstances aren't the best, but a good broker can get you access to products not available directly. Shop around for an advisor/broker and dont be afraid to pay a fee, you’re potentially about to handover your life savings.
@OGH880
4 ай бұрын
Thanks for this video Yianni. Very informative
@aweston4865
4 ай бұрын
Limited company mortgage rates are very expensive currently with thousands required as a product fee in most cases. Profit margins not so good. Fyi shared ownership and help to buy doesn’t apply to buy to let.
@aweston4865
4 ай бұрын
Need about 2.3k rental income p/m to service a mortgage of £337k
@Peter_Howard
4 ай бұрын
Interesting, thanks, Yanni. The place looks much better.
@SM-pr1qt
4 ай бұрын
Yianni teaching us more than schools and colleges ever did
@amreeksingh4448
4 ай бұрын
Thanks yanny for breaking all this down, great to see you and your associates really explaining this market and letting us know the pros and cons. 👊👍.
@Y14nny
4 ай бұрын
🙌🏼
@8ox1ngk1ng2
4 ай бұрын
Great video Yianni keep on them coming
@nevaloseheart
4 ай бұрын
Really informative. Like these property videos. 450k is insane. London prices are ridiculous. Edmonton too 😂
@tntwentyone2951
3 ай бұрын
Edmonton £450 k crazy. It's a dump of an area
@ravindersembi3955
4 ай бұрын
How much did it cost renovating the property? i guess that needs to be taken out of profits?
@drn3081
4 ай бұрын
I can't lie, When Yanni uploaded his first video on the home, I was initially against it as HBO, and I work with people who are homeless and are given HBO in disrepair. I must Say I was wrong to judge and even make a comment in that first video. Yanni has been transparent and open about these episodes, and I just want to apologise to Yanni for judging and in some way being a hater. All the best Bud
@Y14nny
4 ай бұрын
Appreciate that message 🙌🏼
@craigclough
4 ай бұрын
Fair play.
@MitzProductions
4 ай бұрын
Appreciate these type of vids Yian
@DP11LLP
4 ай бұрын
Where’s the coco pops box gone 🤣👍🏻 jokes aside the lads have done a great job with the refurb.
@DarrenLissaman-gw4jf
4 ай бұрын
Another watchable video 😊may I make one point, personally even shared ownership is out of reach, ok to only have half the deposit and obviously a lower mortgage but don't forget you have to pay rent to the other owner which easily adds 5-700 a month dead money
@MarlonKingShow
3 ай бұрын
I did shared ownership, was able to scale up to 100% ownership within 5-6 years. Worth it if you can do it.
@luckyluke8052
4 ай бұрын
£450k ??? People lost mind 😂😂😂
@lawrencer25
4 ай бұрын
🤦🏽♂️🤦🏽♂️ You do get a pair of stab vests with the sale , bullet proof glass and steel front doors 😂😂😂😂
@jersaunders3538
3 ай бұрын
Great video and breakdown of price, I am buying abroad this country has gone to the dogs.
@AkeemNGU
4 ай бұрын
Good deal. Looking forward to the next one
@mikalthompson9874
4 ай бұрын
i love this series!!
@th3pass3ng3r
4 ай бұрын
Perfectly highlights what is wrong with the rental market. People who have money can rinse the poor, make them pay rent forever and they will never own anything. Shared ownership is a con. However it is the perfect investment, for who can afford it.
@OJM129
4 ай бұрын
Where would people live if it wasn’t for landlords?
@buffeats6059
4 ай бұрын
@@OJM129 I think the point he's trying to make is that private rental rates are extortionate. His rental prices make it harder for people to save, therefore to purchase their own properties. It's like a trap for those who cannot afford a lump sum for a property deposit.
@th3pass3ng3r
4 ай бұрын
@@buffeats6059 yes, the landlords themselves are not the problem, it is good for the economy and I am happy for their success, but the prices can be set to anything, because it's in private hands mainly. Similar to railway companies.
@myYouTubechannel123
4 ай бұрын
Very informative and good straight advice
@ChokyoDK
4 ай бұрын
This channel should be called Yianni (Ashville 2) 😂
@GTX1000000
4 ай бұрын
Great video, but just one thing...£195k original mortgage at 4% interst only is only £650 per month not £1090 unless I have made mistake, this is not ment to be a dig just wondering if this is correct. Keeo up the great Videos as really enjoy watching your journey
@Y14nny
4 ай бұрын
Was suppose to say variable rate was our mistake on the video
@skshowrov2346
3 ай бұрын
Really really want to know about young people buying flats/maisonettes with share of freeholds, just to get on property ladder. What are the pros or the cons of these purchases, based on equity and as a plan for buy to let in future.
@JabzAmd
4 ай бұрын
Man has Finance jacket lol
@TheoFennel
4 ай бұрын
Nicely done, I just wished the local council worked more with property buyers and developers to get ppl who cant save that £30-40K to buy a hoiwe or even £10K can be difficult for many when they have children snd other out goings to pay.
@jordanhall7424
4 ай бұрын
Who the FUCK can rent a home for 2 grand a month! Absolute liberty these rents are taking the piss BUT!1 it’s a good way to earn money so yeh yian is on a win win and fair play to him he’s clued up wish you all the success 🎉🎉🎉
@CuppaLemonTea
4 ай бұрын
apparently its gonna be paid by the council But still crazy yea. I was shocked to hear the cost of the mortgage in interest alone, I could never imagine paying 12k a year on only interest thats crazy
@smi1er
4 ай бұрын
Great informative video, but don't be so quick to jump on the company wagon. Also with S24 out there an alternative is to pay down those mortgages so debt reduces, there are just as many LL's out there who own properties outright rather than having 75% of their portfolio tied up in debt. Great refurb btw
@ccscompletecleaningltd
4 ай бұрын
It dosnt cost £200 to open a limited company. Set the Ltd company company up by yourself for under £100 then get an accountant to do the other stuff other that that good advice
@richarddannatt9095
4 ай бұрын
where i live that would be worth 80k.. no wonder people selling up in london and moving up north
@alancobbin
4 ай бұрын
Looks awesome,if the final bill was £100k ya still on top Yiann👍💪😉
@jdas03
3 ай бұрын
Aside from mortgage what are the other outgoings? Assume management fees? I guess you don’t do it for the rental fees more the capital increase?
@tylerfayosephotography
4 ай бұрын
“Bank of mum and dad” if only we had that when buying our first property 😅
@TrueGenetics-z9h
4 ай бұрын
He has actually done it him self
@agigeorgiou5601
4 ай бұрын
Very jealous 😮
@U-ci9qr
4 ай бұрын
Stop complaining there’s nothing in the west that’s stopping you from fulfilling your dreams people from third world countries have it the hardest and pull through. You have no excuse.
@Y14nny
4 ай бұрын
@@TrueGenetics-z9hhe was not coming at me more repeating what Neil said lol
@TrueGenetics-z9h
4 ай бұрын
@@Y14nny Thank you my brother I actually stood up for you, I am glad you realised, these people need education urgently lmao 🤣. Congratulations on your success ❤️
@SM-pe1lz
4 ай бұрын
Hi Yianni. What's the level of rent you're achiveing? It would be interesting to know the rental yield and return on investment. Thanks.
@calirun1
4 ай бұрын
So £700 per month income after mortgage cost, before tax, maintenance, agency fees, void periods etc. is it really worth it?
@BOSS_61
4 ай бұрын
He be changing the thumbnail more then one time 😂
@l-km6475
4 ай бұрын
Great video, just quick advice for whoever needs it you can set up a company for free yourself!
@buffeats6059
4 ай бұрын
To think that accountants chare £100 - £300 to set up limited companies is an absolute piss take. Takes 20 minutes to do yourself on .gov.uk website.
@derekcharlton6001
4 ай бұрын
Top man yianni 👏👏
@noshah11
4 ай бұрын
Where is the aventador
@homevision1141
2 ай бұрын
Can you tell us what was the products fee ?!
@notoriouscab
4 ай бұрын
Watched all the episodes. Unless I missed it, was under the impression you’d only recently bought the property, not 5 years ago……. Not cool leaving the property in that condition that long. Fair dooos to the finished article though
@stigonetv58
4 ай бұрын
Looks beautiful❤
@GenaF
4 ай бұрын
Very interesting stuff.
@wptglobal1
4 ай бұрын
How do you make the payments on the multiple properties you have? Do you have monthly direct debits from your personal account every month? Do you have a company that pays it all? I’m intrigued on that side of it too
@chamamemestre
4 ай бұрын
Advice: take those 450K pounds and literally buy a mansion with hectares of green space in Poland, in a nice quiet town.
@lawrencer25
4 ай бұрын
❤❤ Dont have to worry about neighbour's as most of them are on England 😂😂😂😂😂😂😂
@SK-xg9rs
4 ай бұрын
@lawrencer25… back to school mate, Poland has about 40 millions of citizens, 680k poles are actually in UK, fake news are base for anyone buddy.
@tylerfayosephotography
4 ай бұрын
Interesting 👏🏽👏🏽 good to know re going via the limited company when doing buy to let
@Y14nny
4 ай бұрын
Yep yep bro
@wrth
4 ай бұрын
how does the interest only mortgage work with this? what do you do when you get to the end of the term and have to pay the lump sum?
@buffeats6059
4 ай бұрын
More than likely your property would have gone up exponentially, so you would just pocket the difference of what you owe the lender.
@wrth
4 ай бұрын
@@buffeats6059 so at the end of the term you’re selling the property and paying the original capital back. is it worth waiting all that time compared to flipping the property immediately after refurb? seems a bit counterproductive especially given how overvalued houses are currently and market is forecast to drop in the next few years.
@Andy-uf8jq
4 ай бұрын
At the end of term you'd be moved onto a bog standard verible rate mortgage paying both interest and the debt, people should (but often don't) remortgage into a better deal based on the (hopefully) increased value of the property.
@ShaytarnOffical
4 ай бұрын
Real Estate & Cars 💯🔥🔥
@abdulmuhaimin4666
4 ай бұрын
If Daniel is free get him with you once everything is furnished. He can rate the property. I want to know how much the mortgage brokers make from you too
@TheKing-tl8si
4 ай бұрын
He won’t because Daniel will slate the work….
@Y14nny
4 ай бұрын
@@TheKing-tl8siwhy would he slate the work lol… 🤡
@Wayne-R-
4 ай бұрын
@@TheKing-tl8siwhat’s to slate its professional tradesmen who done the work
@JJ93420
4 ай бұрын
A can’t get over u paid 270.000 for that a would have thought 95.000 tops never mind it being nearly worth have a half a mill. A don’t know Tottenham as am from Glasgow but that’s nuts scary crazy money if ur spending that much money up thier u could get 3 decent houses near Glasgow should invest up this way lol make dolla or two. Any ways bless u yanni and enjoying the content
@adamali2886
4 ай бұрын
low interest rates and high immigration is what has caused the housing crisis
@lawrencer25
4 ай бұрын
Really .. What about all the scummy people and work shy people 🕴🕴🕴🕴🕴🤦🏽♂️
@JuniReacts
4 ай бұрын
in south africa this would probably go for 80K
@macdavies539
4 ай бұрын
How much was initally invested before profit can be quoted?
@lawrencer25
4 ай бұрын
Mortgage = Debt . Doesn't matter how you look at . There is a reason landlords have sold up .
@kenwyatt8586
4 ай бұрын
Why did you take out a variable rate mortgage in 2019 ? Was it the best option £1098 a month seems a lot for borrowing £197000 on interest only, Not a dig just interested
@DemonDappz
4 ай бұрын
Anyone know if Justin still works for Yianni? Noticed he was with Kon a couple weeks ago filming with the sidemen
@afrofy2431
3 ай бұрын
🇬🇧 450k for that 🦖 🦕, yes 1/2 a mill 🍿🫣
@liamsxa
4 ай бұрын
you need alot of money for property and the fees and regulations are so bad its driving landlords away and prices through the roof
@younessmosir7919
4 ай бұрын
PLS Yianni i know you love lamborghini could you do with mat a race using TWIN turbo lamborghini aventador svj please . .
@tahirmahmood5079
4 ай бұрын
Intrest mortgage is shit tho
@ziafortube
4 ай бұрын
This was very good even though my mrs sat next to me and like i already know all of this but good for me though
@Y14nny
4 ай бұрын
Ahhaha
@elianosrowey2488
4 ай бұрын
u should make a reaction on that new carwow video
@jaime8050
3 ай бұрын
Do not ever buy into shared ownership properties. Not a great experience at all. Financially and mentally draining
@charleygilbert3797
4 ай бұрын
I sore you at goodwood
@Andy2885
4 ай бұрын
Were you still receiving rent from your previous tenants while attempting to move them out?
@jasonsarpong1
4 ай бұрын
I’d assume so
@robertbarnes1444
4 ай бұрын
Yianni you should get get Mat Armstrong on or interview him & his rise B4 he gets to big lol .... would grow your fan base ... great video & have a Fab weekend with your family
@joshmorris9345
4 ай бұрын
Best comment on here yianni and mat Armstrong interview would be ace
@jimim8514
4 ай бұрын
This video of you from you Is very nice of you 👍🏾
@g__o__l__d__6673
4 ай бұрын
heres 1 million Neil 3 mill back in 5 years + you 15%
@JuniReacts
4 ай бұрын
numbers... ay ay ay ay ay ay ayyyyy....
@mrsandhu19801
4 ай бұрын
4.5% on a company btl 😮
@0T13
4 ай бұрын
Wrap it!
@reecevaughan4225
4 ай бұрын
I'm a little confused - how would it make sense to go interest only? You're never paying off the capital of the property. Also - the numbers are incorrect, the 195k mortgage in 2019 at 4% is repayment whereas the 2024 337,500 mortgage at 4.5% is interested only (he mentioned both were interest only but a 195k mortgage at 4% would be £650/m). Love the videos by the way Yianni - great to see insight into what goes into this - I considered buy to let when I sold my first property just couldn't get the financials to work so we just sold it.
@Y14nny
4 ай бұрын
Hey, property is always increasing in value so capital going up and nowadays better to have good debt especially in properties and keep making it via the rental income re mortgage etc and use the extra money to buy more properties. Re the % was suppose to say variable so was an error on the video.
@OtshelengOlaotse-rt5it
4 ай бұрын
Yiani can you react to the revuelto v bmw v audi drag race
@buffeats6059
4 ай бұрын
wrong video fella..
@OtshelengOlaotse-rt5it
4 ай бұрын
@@buffeats6059 stupid
@adamhussain5214
4 ай бұрын
Isn’t 4% of £195k £650 a month?
@Y14nny
4 ай бұрын
Was a mistake, it’s based of the variable rate
@vg9073
4 ай бұрын
Imagine if material goods and money were vacuous and didn't make you happy.... Oh wait
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