Thanks for watching! What did you think of the video? Was everything clear? Was there anything you would like me to expand on? Let me know down in the comments and I'll respond!! Remember, never stop investing in yourself!
@sleptiq
3 жыл бұрын
You should get a lavalier microphone to avoid reverb, and turn off autofocus on your camera as it keep going out of focus. And smile a bit more!
@SelfInvested
3 жыл бұрын
@@sleptiq Thanks for the feedback! This video was recorded on my old camera with the internal mic, that’s why it’s sounds so poor. The sound and smiling should be better in my more recent videos. Please have a watch and let me know
@carleneedwards3069
3 жыл бұрын
Your communication skills are excellent to deliver your message clearly 🤜🏾
@SelfInvested
3 жыл бұрын
I appreciate the kind message. It’s something I need to work on, but I’m glad you liked it 😉
@TheKisekiNut
3 жыл бұрын
You're an absolute Saint for compiling all of this jargon mate. Gonna look in to buying a place in 2022, and this is massively helpful. Already had the Lisa, but the help to buy loan was something I wasn't aware of!
@SelfInvested
3 жыл бұрын
You're welcome! Here's a link to all the videos I've done on Help to Buy: kzitem.info/door/PLUG_SDz9gLQJIBs_0uHERF90GRFLamKv_
@mynameisibukun
3 жыл бұрын
You deserve sooo many more subscribers
@SelfInvested
3 жыл бұрын
Thank you!! I feel lucky to have 4k!
@breezyamar
2 жыл бұрын
Dude you explain everything so clearly, much better than other videos. Well done!
@SelfInvested
2 жыл бұрын
Thanks for the kind comment, Amar! I’m glad you found the video useful! Thanks for watching!
@chumabanjwa4662
3 жыл бұрын
Thank you for sharing the detailed info on the Lifetime ISA. I enjoy your calm but informative manner. May your channel grow from strength to strength!
@SelfInvested
3 жыл бұрын
Thank you 🙏🏿 I really appreciate your comment. I’ve done another video on the lifetime ISA if you’re interested: kzitem.info/news/bejne/oqiE1oyIiGmeZqw
@graceademun8852
Жыл бұрын
Thank you. Very informative video
@iffatiqbal786
3 жыл бұрын
Definitely agree on getting a good mortgage broker on board. Thank you for breaking it all down. Great video.
@SelfInvested
3 жыл бұрын
Glad you enjoyed it! 😉
@onikaottley4344
3 жыл бұрын
Thanks for your amazing explanation!
@SelfInvested
3 жыл бұрын
No problem. Happy to help!
@lollibabe101
3 жыл бұрын
You are such a great resource on this platform. Most people are so confusing but you are very easy to understand. I am 24 and I am looking at trying to use my salary wisely so that I can eventually get onto the property ladder
@SelfInvested
3 жыл бұрын
Thank you, Lola 🙏🏿 I appreciate the feedback 👍🏿 Having a good deposit is important because it gives you options, so the early you start saving, the better! I will be covering more topics on buying home... there’s so much to cover!
@suelemos4427
3 жыл бұрын
Thank you! Your videos are so helpful and your calm tone is refreshing! Keep it up :)
@SelfInvested
3 жыл бұрын
One person’s calm is another’s boring. I’m glad you like it and thank you for the encouragement :)
@BiragoSounds
2 жыл бұрын
Very insightful
@SelfInvested
2 жыл бұрын
Glad you think so, thanks for watching!
@aboutthatlife1418
3 жыл бұрын
This video was so informative... thank you!
@SelfInvested
3 жыл бұрын
You’re welcome. I’m glad you found it useful!
@rhiannedesmond1742
2 жыл бұрын
This has been so so incredibly helpful to watch. Thank you! :)
@SelfInvested
2 жыл бұрын
You’re more than welcome :) Thank you for watching 🙏🏿
@butteralmond9179
3 жыл бұрын
Very straightforward advice! Thank you! Keep making content!
@SelfInvested
3 жыл бұрын
Thank you 🙏🏿 I’m glad you think so! The information is generic, so if you need advice based on your specific circumstances, make sure you speak to a qualified mortgage adviser!
@simoneb3520
4 жыл бұрын
Very informative - thanks
@SelfInvested
3 жыл бұрын
Glad it was helpful!
@mosway1870
3 жыл бұрын
Thank you so much, I really find this video helpful🙏
@SelfInvested
3 жыл бұрын
You’re welcome! I’m glad you found it helpful :)
@Lewis_Jones
3 жыл бұрын
Working through your videos. Another one which is high quality and very informative. Thanks.
@SelfInvested
3 жыл бұрын
Appreciated, thank you 🙏🏿 I’m glad you’re enjoying them! Are you a first-time buyer?
@maggieqube6519
3 жыл бұрын
Stumbled across your channel. Really helpful info. Also I think we used to work together at LBL 👀
@SelfInvested
3 жыл бұрын
Haha! Yes, we probably did! Not sure I can work out who you are, though, with only the initial of your surname. Thanks for leaving a comment!!
@RM-lj8bv
3 жыл бұрын
Very interesting and detailed, Thank You For Posting.
@SelfInvested
3 жыл бұрын
You’re welcome. Thank you again for watching 👍🏿
@SP-bb4qg
3 жыл бұрын
Thank you for this video. It was incredibly helpful. Solid advice!
@SelfInvested
3 жыл бұрын
Thank you for watching! I’m glad you found it useful! Are you a FTB? Are you currently looking?
@sehkio
3 жыл бұрын
Yes, married FTBs looking to buy our first family home now, in the Norwich area. It's been challenging to come up with 15% deposit most lenders seem to require nowadays.
@SelfInvested
3 жыл бұрын
@@sehkio It might be worthwhile waiting until next year (after April) to buy. Things may have calmed down by then and the government has spoken about reintroducing 95% mortgages, which only require a 5% deposit (watch my latest video for more info). Also, as your a FTB, there’ll still be no stamp duty to pay up to £300k!
@carleneedwards3069
3 жыл бұрын
So easily clarified even a baby👶 will understand 👌🏾
@SelfInvested
3 жыл бұрын
Thank you! I’m happy to hear you found it easy to understand!
@otillearathanase33
3 жыл бұрын
New Subie here🤗. you are so thorough. Thank you you the explanations with examples👏
@SelfInvested
3 жыл бұрын
Thank you for subscribing! I'm glad you enjoyed! I've got plenty of videos on housing. I hope you enjoy!
@Ayanna953
3 жыл бұрын
Great video! I learnt so much from this video so thank you. Could you do a video on what happens when you want to sell a house? What happens to the mortgage and any equity you have in the house?
@SelfInvested
3 жыл бұрын
Thank you, glad to hear it! Good suggestion! I’ll cover this when I do my next series on mortgages!
@lucydawkins4552
3 жыл бұрын
Yes, thank you, this is such a useful and great video!!
@SelfInvested
3 жыл бұрын
Glad you think so :) thank you for watching 🙏🏿
@ololadeadeniregun4795
3 жыл бұрын
Thank you so much. Your videos are very educational.
@SelfInvested
3 жыл бұрын
You’re very welcome! I’m glad you think so!
@TheAssetmgr
4 жыл бұрын
Thank you for the video 👏🏾
@SelfInvested
3 жыл бұрын
You’re welcome 😊
@mark-luiginicastro-hurst9408
3 жыл бұрын
I had never heard of LISA's before watching this video, thanks!!
@SelfInvested
3 жыл бұрын
You're welcome. I'm glad you found it useful. You can watch this video to find out more: kzitem.info/news/bejne/oqiE1oyIiGmeZqw
@muumilaaksonen
3 жыл бұрын
Great video! 👏🏼 so informative!
@SelfInvested
3 жыл бұрын
Thank you! Glad you think so!
@MixtrisUFOimages
2 жыл бұрын
Thank you
@SelfInvested
2 жыл бұрын
You're welcome! Thank you for watching!
@Blackfeet
Жыл бұрын
wow!
@Sofura.academy
3 жыл бұрын
Hi, two questions- Can I view the property before getting AIP? Secondly, what should I take into account when viewing a property as a first-time buyer?
@SelfInvested
3 жыл бұрын
1) You normally can, but things may have changed because of COVID 2) I need to make a video on this, but you can start with this video: kzitem.info/news/bejne/0KGg2oSEinqVemU
@nawal7721
3 жыл бұрын
What if my life time ISA savings haven't been a year when I buy a house. Do I get the bonus from the government or do I get charged for withdraw?
@SelfInvested
3 жыл бұрын
Hey, Nzee! From what I understand, you won’t get the bonus, but I’m not sure if you would be penalised for using the money to buy a house. It’s a good question! Worth checking with a Lifetime ISA provider…
@MmmMmm-wb5uu
3 жыл бұрын
Hy thank you very much for your videos.They are very informative and clear.As well i would like to ask you about the mortgage brokers you know or some of thrust wich can have access to a whole market of lenders not just inside their “panel”.Thanks!
@SelfInvested
3 жыл бұрын
No problem. I’m just happy you like them. Here’s an interview with the guy I used. His details are in the description. You can ask him if he has access to the whole market. I think he does
@emmanuelmomodu727
2 жыл бұрын
Thanks for the quality info. A quick one: If you service your H2B equity loan monthly within the first five years, would it be calculated as offsetting the govt. equity on the property or how else would it be calculated(accounted for)?
@SelfInvested
2 жыл бұрын
Thank you! The H2B equity loan is interest free for the first five years but there is a £1 a month management fee. This is just an admin fee. It doesn't go towards interest or capital repayments.
@RM-lj8bv
3 жыл бұрын
Are you considered to be a first time buyer if you had a property over 40 years ago and sold it over 40 years ago but have rented since then and want to buy something now?
@SelfInvested
3 жыл бұрын
As far as I understand, no, you would not be considered a first-time buyer, unfortunately. There are schemes for key and essential workers - if you are classed as one?
@connormcleod9595
3 жыл бұрын
Legend
@SelfInvested
3 жыл бұрын
Thanks bro!
@jenlyall6397
3 жыл бұрын
This was a great video, thank you! I was wondering if you're able to recommend any solicitors? I feel like at the moment the quotes I am getting are extortionate. Any guidance will be greatly appreciated :). Thanks!
@SelfInvested
3 жыл бұрын
Hey Jen! Thank you! Have you found a property you'd like to make an offer for? There isn't a solicitor I've used that I'd be happy to recommend tbh. I've had some issues with the ones I've used. Are you buying a leasehold property? It might be worth contacting NLC to find out if they can recommend a good one: nationalleaseholdcampaign.org/
@jenlyall6397
3 жыл бұрын
@@SelfInvested Thank you so much for your advice. Yes, it'll be a leasehold property and I am still viewing properties.I will reach out to them, thanks again! :)
@SamuelRex
3 жыл бұрын
Thanks for this video, I have just one question. What if I don’t need the whole 20% from the government, let’s say I need just 10%?
@SelfInvested
3 жыл бұрын
You’re welcome. 20% is the most you can borrow outside London, but you can borrow less if you wish. Although I think the amount you borrow needs to be a multiple of 5 or 10. Hope this helps!
@SamuelRex
3 жыл бұрын
@@SelfInvested yes bro, thanks for the info
@kirstyodwyer3035
3 жыл бұрын
Hi, I'd love some advice. I work 40 hours a week but I'm only on a 16 hour contract. I've been working 40 hours for 2 years in my job. Would they take this into account when working out how much I can afford or would they base it off my contract? (My other half has a full time job so it wouldn't just be my earnings).
@SelfInvested
3 жыл бұрын
Best thing to do, Kirsty, is speak to a mortgage broker if you haven't already. Here's a chat I had with the broker I used (his contact details are in the video description) - kzitem.info/news/bejne/2IiwxWWJcn9yiI4
@MA-ox5jl
3 жыл бұрын
Hi just been watching your videos and subscribed. Can you please let me know who your broker was. Thanks 😊
@SelfInvested
3 жыл бұрын
Thank you for the sub! You can see and hear the mortgage adviser I used here: kzitem.info/news/bejne/2IiwxWWJcn9yiI4 His details can be found in the description to that video
@MA-ox5jl
3 жыл бұрын
@@SelfInvested thank you so much. I discovered yesterday that temp workers can get a mortgage so I cant wait to hear what he says.
@owherhogeorgina8418
2 жыл бұрын
Who can open a LISA
@SelfInvested
2 жыл бұрын
Have a watch of this video: kzitem.info/news/bejne/oqiE1oyIiGmeZqw
@sarahjones8650
3 жыл бұрын
Fostering included
@SelfInvested
3 жыл бұрын
As in forstering income for a mortgage?
@Sienio48
3 жыл бұрын
Can I use LISA : Paid in 4000 before end of March. Then another 4000 after March. And then in 2022 apply for a shared ownership house?
@SelfInvested
3 жыл бұрын
Yes, you can as far as I understand. But you won’t be able to use the bonus until your account has been open for at least 12 months!
@Sienio48
3 жыл бұрын
Thanks. I am planning to open LISA anytime soon as possible. And then to look for potential house in summer 2022.
@SelfInvested
3 жыл бұрын
I would open an ISA now and get my £4k inside this financial year, then put another £4k in before the end of March 2022, then another £4k at least a month before I buy in summer 2022
@mosway1870
3 жыл бұрын
I thought the highest can be paid in an ISA help to buy is 200max per month. My bank wouldn't let me pay more than £200 monthly.
@mosway1870
3 жыл бұрын
@@SelfInvested I thought the highest can be paid in an ISA help to buy is 200max per month. My bank wouldn't let me pay more than £200 monthly.
@Sofura.academy
3 жыл бұрын
Hi I am looking to take an equity loan but in my area, there are very few new build houses, what can I do in this case?
@SelfInvested
3 жыл бұрын
Hi there! I think there are very few new build houses anywhere. It's mostly flats being built these days. Would a 95% mortgage or a mortgage 5.5 times your salary help you buy a house?
@Sofura.academy
3 жыл бұрын
@@SelfInvested Thanks for your reply. I have got 15% deposit ready, Talked to the bank, they offered me a 109k loan (with 4.4xsalary) so I have about 20k shortage, My CS is 982
@SelfInvested
3 жыл бұрын
@@Sofura.academy Speak to a mortgage broker with access to the whole market, as mentioned in the video. Nationwide has introduced a new mortgage which will lend you 5.5 times your salary if you have at least a 10% deposit. It might be worth looking into it!
@Sofura.academy
3 жыл бұрын
@@SelfInvested Thanks again. Is 5.5xsalary introduced for single/solo employee/earner as well?
@SelfInvested
3 жыл бұрын
@@Sofura.academy Yes, solo buyers can use it. Speak to a mortgage adviser. Do you want me to point you in the direction of one?
@sarahjones8650
3 жыл бұрын
Is anyone there?
@SelfInvested
3 жыл бұрын
Yes, I am :)
@saeedyusuf3843
3 жыл бұрын
Very useful video 👍🏾 thank you. Will you be able to share or email me ur brokers details??
@saeedyusuf3843
3 жыл бұрын
Ignore my question... found my answer in ur recent video. Thank I am new subscriber and really loving ur videos very clear and simple to the point.
@SelfInvested
3 жыл бұрын
Thank you for subscribing! I'm glad you're enjoying the content. You might want to edit your first comment to remove your email address and avoid getting spam!
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