Knowledge alone is useless, the implementation of knowledge is power!
Confused about company structures for property investments? Lenders dislike multiple strategies in one company, seeing it as riskier and potentially refusing loans. Ring-fence each business strategy in its own limited company to protect your other assets if one strategy faces issues.
Low interest rates mean more buying power, encouraging buyers to offer more. This can lead to overpaying. Conversely, higher rates mean fewer buyers and more opportunities to find good deals.
04/06/2026
Want to buy your first property but feeling a bit unsure on where to start?
Today we had our very own Lucy from Golden Tree Estates join Giuseppe to discuss how to start your journey to invest in property. Lucy discussed how she is new to the industry and Giuseppe was able to break it down to make it more understandable for her.
If you feel like you are on the same page as Lucy, the team at Stepping Bricks are always here to help. Our 3 day Stepping Bricks University is perfect if you are just starting out in the industry and feel a bit stuck!
Comment “University" if you want to know more about our 3 day event!
Feeling overwhelmed by learning about properties? The 1% rule breaks it down: just 15 minutes a day. That's less time than you spend scrolling social media. It's achievable, even with a busy schedule.
LINK TO FULL VIDEO https://youtu.be/EaDklna4yIM Commercial banks lend less, around 60-65% loan-to-value, requiring a 35-40% deposit. Residential properties appeal to more people when vacant, increasing their valuation. Tenanted properties primarily attract investors.
Choosing between a 2-year and 5-year fixed mortgage? It depends entirely on your financial situation. Start with an affordability check – lenders typically calculate this at 4.5 times your annual salary. Once you know your borrowing limit, you can determine the deposit needed.
LINK TO FULL VIDEO https://youtu.be/4s54u_89B48?si=DKPhm44Rc5ja0RxF
Choosing a mortgage? A low interest rate might trick you. Product fees added upfront can cost you more over time. Adding the fee to the mortgage lets inflation help reduce its real value later.
LINK TO FULL VIDEO https://youtu.be/8QxdLD_Esp0
Thinking about writing a book can feel impossible. But what if you only had to write half a page in the morning and half a page at night? That's just one page a day, leading to a full book in a year. Break down big tasks to make them achievable.
LINK TO FULL VIDEO https://youtu.be/_iNCz8N6rXY?si=gaWzxs_AhGwXhxf9
Serviced accommodation allows you to set nightly rates, but factor in 60-70% occupancy due to seasonal variations. For HMOs, renting room by room requires a license. Rules differ between Scotland (3+ unrelated people) and England (5+ unrelated people), so always check local regulations.
LINK TO FULL VIDEO https://youtu.be/Wt1XwvEgkxI?si=qa7P3YyikCvI2CiF
This is crucial: don't wait for interest rates to drop before buying property. The trap is waiting until it feels 'safe.' True safety comes from having the right knowledge and support. Stop viewing, stop analyzing, stop making offers – waiting only delays your progress. You can buy in any circumstance with the right guidance.