| by Kenneth Chase | 100 comments

How to Buy UK Property with NO MONEY | Samuel Leeds


Samuel Leeds, here. Hope you’re well, guys.
And in this video, I’m going to share with you four ways that you can buy property without
using any of your own money. So if you want to buy houses with no money, then stay tuned. Okay. So the ways that I’m about to describe
to you how you can guy properties without using any of your own money … First thing,
I want to say that I have done all four ways so this is not stuff that I’m talking about.
This is not theory. This is actual, practical, I’ve been there, I’ve done it. Not only have
I done it, but I’ve helped dozens and dozens of other people do it, as well, by telling
them what I did. So this is real-life stuff. Sometimes people
say to me, “You can’t buy houses without no money.” I respond, “You’re absolutely correct.
You can’t.” They can’t because they don’t believe they can. So I think the first step
is just being open-minded. People have been buying businesses without no money for years,
usually in all kinds of different agreements. So I’m going to share these with you, and
you can either, you can be one of the types of people that say, “I don’t believe that’s
possible. That’s too good to be true.” And that kind of stuff, in which case, that’s
fine. Maybe, don’t even continue watching any more of the video if you don’t want, if
you think that’s fine. Or you can someone that’s just a little bit open-minded, in which
case, this could happen for you. So here’s the first way. Number one is lease
option agreements. Now, a lease option agreement is basically where you buy a property today,
but you pay for it later. So you could almost say it’s a little bit like the owner has given
you a free loan for, say, five years. When it comes to the end of the option agreement,
you don’t have to buy it, you have to option, not the obligation. And in all that time … And
this is what just blows my mind in how good lease options are. Because I’ve got many lease
option agreements. So say, you buy it today, but you pay for
it in five years, you don’t put anything down today. Okay. You might have to pay for the
solicitor fees. But you’ve actually put any money in for the property at all, and you’re
getting immediate cash flow. And as the house goes up in value, you’re gaining from capital
appreciation. So it’s just a fantastic way of getting your foot in the door, owning properties,
and doing this starting out with no money. If you want to learn more about lease option
agreements, I have done other videos about this. But it’s one of my favourites. Number two is joint ventures. Now, a joint
venture is where two people come together. They usually, will bring 50% of the value,
and they will put 50% of value together to do a venture, a deal. If your venture is property,
and you’re buying a property, and you’re doing this as a joint venture with somebody else,
you’ve both got to bring 50/50 value. But you haven’t necessarily got to bring 50/50
money. Your value could be something that is not actually cash. Your value could be
you’re bringing the deal to the table. You could be bringing your knowledge, the power
team, the overseeing of the project. There’s loads of things that you can bring to the
deal besides cash. If you find a joint venture partner who has
cash but that’s it, they have nothing else, they can’t go on to be successful without
you. You tell them, “Look. You put the money in. We’ll put the time, and the energy, and
the knowledge, and the team, and all that in, and then we’ll go 50/50 on the profits.”
Effectively, you have bought a property without using any of your own money. Joint ventures. Absolutely fabulous way to do it. And you
need to be really careful if you do a joint venture partnership. You have clear expectations
and clarity so you know what’s what. In case it’s a case of you said this, no I didn’t.
So you need to have proper contracts drawn up and a clean understanding of what you’re
both bringing to the table. But joint ventures is an incredible way to get started with no
money. And for that, you can’t be successful in property with no money, no time, no creativity,
no implementation, of course, you need something. You could bring something to the table but
it doesn’t have to be money. Number three. Different to joint ventures,
this is using other peoples’ money. If you know how to buy a property and make a 20%
return on investment, you also know someone who’s got 100,000 pounds sat in the bank doing
nothing, you could borrow their money to buy property, give them a fixed return. So you
could give them 5%, 10% return on investment on their money, which is way better than the
bank. And any extra, you’re going to keep yourself. And you’ve also, obviously, got
a free property. So it doesn’t have to be your money, you can use somebody else’s. This
is very different to a joint venture. Because a joint venture has a stake in the property.
Other peoples’ money. Number three. That could also be the bank’s
money. You could get a bank loan to put down to buy a property. It doesn’t matter where
the money’s come from, it’s just someone else’s besides yours. So it’s a case of tapping into
money. I have personally, myself, I’m not recommending this, but I have bought properties
on credit cards. I’ve literally gone to the bank with credit cards maxed out and used
the cash to put down deposit on properties, and then switched the debt on the credit card
over to 0% credit card. So I’m not even paying interest on the debt. That’s other peoples’
money. Got to be careful doing this because you need
to know what you’re doing. You don’t want to borrow money from friends and family and
then screw it up. But if you know what you’re doing and you understand how to buy properties,
I think using other peoples’ money is a much smarter way of using your own because you’re
going to get an infinite return on investment that way. And number four of how to buy properties and
own properties without using any of your own money is by buying a property, adding value
to it, and then refinancing the property. You don’t even need much money to start with
because you can get a bridging loan. Some of my students are doing this right now, as
we speak, very successfully. Whereby, they’re buying properties, they’re borrowing all the
money on a bridging loan to buy the property. They’re then adding value to the property.
Again, borrowing money to do that. So the whole thing, they’re borrowing bank’s
money to do it. But then, when the project is completed, and they’ve added value, they’re
then refinancing the property with a new lender, and the money that they get, they paying off
all the loans, and then they’ve now got a property that they’ve put none of their own
money down for. I mean, you might end up leaving a little bit of money in. If you do it right,
you can leave no money in. I’ve done this successfully several times, where I’ve left
no money in with buying and refinancing on bridging loans. That’s just four ways that you can buy properties
without using any of your own money. I hope that’s been inspiring. I hope that’s been
helpful. If this has opened your mind up, or this has really got you thinking, then
why don’t you do your friends and family the favour and share the video around and open
their minds up to it. Because I’m on a mission to really open up peoples’ minds and to get
people out of the old way of thinking, which is save up, put money in a bank, work really
hard, put a deposit on a house … That old way of thinking, which is leading to people
buying their first house when they’re in their 30s and 40s, which it really doesn’t need
to be like that. So I’m on a mission. Share the mission. Share the video. Thank you so
much. I love you very much. Peach out. Thank you so much for watching. If you’ve
benefited from that video, please, do share it with your family and friends. For more
videos like it, you can watch right here. And if you’d like to spend two days with me
at the Property Investments Crash Course, watch this video to see what happens. But
whatever you do, don’t forget to subscribe right here, and I’ll see you next time.

100 Comments

Spencer Cooper-Thorn

Apr 4, 2019, 10:43 am Reply

Hi Samuel ,

I have been an continue to use my skilled building and high spec internal finishing through my company .

I would like to offer you the chance to take a joint venture with me and allow me to renovate and finish a high end property development.

I await your response 😂😂😂🙏🏻

Mihai Cadar

Apr 4, 2019, 8:09 pm Reply

Hi Samuel can I get in contact with you in eny way
I just startet out in property end I would like to ask you a few more the detailed questions
Thanks in advance 🙂

GJM Building & Joinery carpentry

Apr 4, 2019, 10:24 pm Reply

any one fancy a joint venture in the north wales area ??

Sam santana

Apr 4, 2019, 12:03 pm Reply

I wish can get an appointment with you

Frazer Hatyai

Apr 4, 2019, 6:12 pm Reply

you have inspired me, I will share your video on my channel Brother

JulianScouser

Apr 4, 2019, 7:27 pm Reply

You are peddling shite that has been known for many years to low level property developers… I was buying property with no money before you were born and in ways you will never work out… the difference is that people who do it properly don't tell

Jasper Chance-larsen

Apr 4, 2019, 11:02 am Reply

How does the owner benefit from a lease option agreement?

Melvin Bartolome

Apr 4, 2019, 6:05 am Reply

Interesting

Alex Lee

Apr 4, 2019, 1:23 pm Reply

trash

C McMichael

Apr 4, 2019, 6:47 pm Reply

What I'd give for some guidance from this chap.
So happy to have discovered Samuel Leeds, very inspirational.

Adam Cedro

Apr 4, 2019, 9:03 am Reply

What u r doin is turning affordable family homes info expansieve 'hotels on booming.com. Therapy driving houseprices up. So im a couple of years when the prices have risen (because of u) u have the option to buy under market value. U r contributing to the houding bubble, which makes it harder and harder for people with low income to buy or rent in the city they Work in.

Kexan

Apr 4, 2019, 9:00 pm Reply

samuel leeds, more like sam, you will leave XD

Sentience

Apr 4, 2019, 3:08 pm Reply

youre that guy in maths class that doesnt show his work. u just have the answer, and its wrong xD

paul jones

Apr 4, 2019, 4:15 pm Reply

I want to do what you do I have no experience I’m happy to go 50 50 profits for knowledge and your time

Karachi

Apr 4, 2019, 9:48 pm Reply

stopped watching the video when he said you can stop watching if you want

j baker

Apr 4, 2019, 9:09 pm Reply

Anyone else thinking Al Murray. Pub landlord ha. I am so funny I think I am going to start doing teach you to be funny YouTube video s.

shady sheik

Apr 4, 2019, 1:03 am Reply

Biggest bull shit point 1.u lease me a property 2nd u be the partner invest money i wilo. Give my time and all..

hudson701

Apr 4, 2019, 10:16 pm Reply

Just finished my first renovation. What should I do next?

Omer Masood

Apr 4, 2019, 10:44 pm Reply

Nice comedy video
Keep it up

wakawaka

May 5, 2019, 9:51 pm Reply

DO NOT DO WHAT HE IS SUGGESTING!!! its madness! yes you could do it if you have a good credit history but if it goes wrong and high possibility it would means you are screwed royally. The risk that he doesn't mention is massive and I mean massive! he is a shark and nothing more! I am currently going though a btl process and can tell you it aint cheap! not one bit! also you need to know the area very well, your finances need to be good, but great would be better. stamp duty for a btl will kill you as I have to pay 18k 🙁 landlord insurance, gas cert, electric cert, newly renovated, extension if it needs just to get one up from others to command a good return and that is 1000s upon 1000s before its even let. once let its a huge risk of tenants not paying, 5k a year for damages and fixes. when its going good youll make a little return. when it goes bad you could lose everything including your own home. to top it off i'm classified in the top 5% earners in the uk and struggled to get a mortgage at 75% ltv. What do you think the interest on those loans at 100%+ would be? its stupid  numbers and crazy to even suggest anyone to do it

Melina

May 5, 2019, 9:13 pm Reply

wow that sounds amazing…I ma going to look into this…I like option 1 the best

Truly

May 5, 2019, 7:41 pm Reply

A+ for Samuel.

_____________

May 5, 2019, 8:04 pm Reply

Legend

Roger Morris

May 5, 2019, 7:45 am Reply

If you have an asset such as a house you can use it to get sixty per cent of its value on a buy to let mortgage . Interest rates currently about 2.49 percent. You can either use this money or use it as thirty percent deposits on property to raise more capital mortgage at the same rate. Make sure your rental return more than covers your on costs including agent fees insurance etc. I always insure payments and property. Do not try to be too smart. Make sure you vet all tenants thoroughly, insure well and buy well. The governments three percent up front tax has taken the gilt off this gingerbread but it is still possible to make money if you are very careful. I have paid off ten percent of what I owe every year using other people's money but I am a very cautious guy. Most people like debt as the currency is being devalued as governments print money. Financial easing means a devaluing pound.If you have money you can still make an income for yourself . Do not take out an equity loan to do work on your property or go on holiday. That is a recipe for disaster.

Shahan

May 5, 2019, 3:15 pm Reply

Leasing option – if it was that easy everyone would have a property and no one would live in council houses. Tell me why this isnt happening then…

badassdahn

May 5, 2019, 1:52 am Reply

What’s a bridging loan? Rahim spoke about this on your show.

amazingvidguyz

May 5, 2019, 8:05 am Reply

too many assumptions about future value , i look forward to your video in ten years, i hope you are honest about it 🙂

anija mathew

May 5, 2019, 2:06 pm Reply

Are you idiot

Amanuel Mehari

May 5, 2019, 7:32 pm Reply

Thank you Samuel.

Aaron Drake

May 5, 2019, 10:10 pm Reply

Buy property without YOUR MONEY: use
1. Your company money
2. Your dad money
3. Your rich girlfriend money
4. Your kid college money
5. Bought the bank to buy house
6. Your insurance
7. Your brother money
8. Your sister scholarship

LOL

liam devlin

May 5, 2019, 6:27 pm Reply

I am tempted…but tenants could be more trouble than i would want…only way i see without those nightmares is buy, renovate, sell and move on to the next one. Quick flips get a modest profit and none of the hassle non paying tenants bring or trashing the place!

C O

May 5, 2019, 2:49 pm Reply

If you wishful think hard enough eventually you will 🙂

Flint Xolani Ntshangase

May 5, 2019, 3:10 pm Reply

Thanks man very teaching…God bless mate.

ArsenicViper

May 5, 2019, 11:06 pm Reply

This info is all very specific, you have to have others working with you. Most people want a property, in their own name without the messing around.

Dario Barnabó

May 5, 2019, 5:44 pm Reply

Idiot

David Pender

May 5, 2019, 3:21 pm Reply

Always have colleateral for risk

Harry Joe

May 5, 2019, 5:02 pm Reply

Hi, if all the money I had was the ownpayment, and am just landed in UK, how would I get a mortage?

cd dash

May 5, 2019, 9:52 pm Reply

I have heard about Japanese mortgages against a UK property.

Can you please let me know how it works ..

Naizon Travel

May 5, 2019, 5:18 am Reply

Good shit bro!! I agree!!!!

Scott19946494 Livingston

May 5, 2019, 9:26 am Reply

How can you buy property with no money !!!!
Because you need to pay for the solicitors fee and you need to have money to fix the place up . Also if you are like me and actually have only £10 in bank and no job I just cannot see how this is possible to buy a property with absolutely no money

THEREALESTATEHUSTLER

May 5, 2019, 8:46 am Reply

Thx Sam. Blessings to you

allan burdge

May 5, 2019, 11:25 pm Reply

Sam how can i contact you i need your help I'm willing to do anything at this point if you can help I promise I can be the best student you ever met

bryan pebs

Jun 6, 2019, 9:31 pm Reply

It's dead easy to buy houses with no money – just hock yourself up to the eyeballs in debt, and spend the next 10 years shitting yourself you don't lose your income which finances the debts.

Fiona Toner

Jun 6, 2019, 10:41 pm Reply

I would never do a joint venture with this guy, each to his own.

summer joy

Jun 6, 2019, 5:54 pm Reply

sounds awesome.im in desperate need

dogs delux

Jun 6, 2019, 10:23 pm Reply

Hiya Samuel me and my girlfriend are saving for a cheap flat that needs work doing to it just to get onto the property ladder. But is it possible to make good money from it if aye have bad credit

Taljeet Mudhar

Jun 6, 2019, 8:28 am Reply

Samuel doesn’t even reply people’s questions!

cami wafford

Jun 6, 2019, 11:55 pm Reply

Hello …….
Do you need an urgent loan ,company loan,car loan,business loan ,personal loan E.T.C i'm happy to announce we offer all kinds of loan ,if interested email us for more information via :::[email protected] or contact us on our mobile # +1 6195129826

Have a great day ahead

Mrs cami

Royal Empress

Jun 6, 2019, 10:12 am Reply

stop shouting

Alex Is

Jun 6, 2019, 5:59 am Reply

Hey Samuel. I live now in Estonia and I was wondering if these strategies were applicable to any countries. What should I look at in a foreign country (different than UK) to start investing in property? Thanks

Greiguci Wootchie

Jun 6, 2019, 8:31 pm Reply

Gold dust.

Nelson Vanquish

Jun 6, 2019, 1:07 pm Reply

Hi Sam, having an issue raising financing, would you use crowdfunding?

MacBeale Property

Jun 6, 2019, 4:38 pm Reply

What's your view on Life Tenancy Investments?

Matt Jones

Jun 6, 2019, 8:31 pm Reply

Sure, if you want to be at mercy of finance companies and banks…

James J

Jun 6, 2019, 9:19 pm Reply

Lease back options are non starter as most mortgage companies do not let you do this. It's a breach of the terms of the mortgage.

Secondly most leaseback homes have issues and rely on the current owner playing ball when you lease it back.

Ross Harrison

Jun 6, 2019, 9:57 pm Reply

What’s the point in refinancing if u pay off the loan

Dan May

Jul 7, 2019, 10:32 pm Reply

Explain to me how and who you got a Mortgage with on a property with borrowed money as a deposit ?? ….

Mal Brownson

Jul 7, 2019, 7:46 am Reply

Can be Achieved Abroad Too!!

kaerka87

Jul 7, 2019, 7:16 pm Reply

Is using your credit cards affect the credibility? I mean the credit score

P Branson

Jul 7, 2019, 8:46 pm Reply

Nice to see a BRIT willing to demonstrate how to buy property or real estate with no money down. TY

Jamie Jones

Jul 7, 2019, 3:31 am Reply

Is it possible for me to get into property if I save 20k and have a yearly income of £17500

One For All

Jul 7, 2019, 1:31 pm Reply

Does anyone want to invest in a property in Dubai, I can oversee the property and manage it. Please Hit me up

Noel Surin

Jul 7, 2019, 2:09 pm Reply

Fantastic info!

Saturn and the planets

Jul 7, 2019, 5:07 pm Reply

None of these are free YOU need Money to buy a house there's no such thing as FREE

changhao zhao

Jul 7, 2019, 7:32 pm Reply

i bought my first house here in london by using Mrs. Kat Tillett strategies on how to trade using her platform. i made alot of profits which helped me gain more money to buy a house and go for vacations.

Reef the Sea Forever

Jul 7, 2019, 1:06 pm Reply

The lease option is only good if the seller complies with the agreement. Typically the seller will not uphold the agreement because of the increased equity. You then go to court. It’s normally a losing deal

j c

Jul 7, 2019, 7:02 pm Reply

If a house cost 150k it would take you more then 90 months to pay it back, thats still a long time, and you wouldnt get much money on that, i dont fully understand the logic of this

Xag Usd

Jul 7, 2019, 3:46 pm Reply

these ideas are just rubbish.someone will give u 100.000 gbp ? ahahahaha? who? you are just dreaming. bank will give u nothing but interest.

Charanjit74

Jul 7, 2019, 1:11 pm Reply

Can you still get a house if you have been bankrupt? does this bridge system loan work if you have been bankrupt?Also the only credit card I can get  is about £1000 with a 35% rate. Can I still buy a house???

NailandBail

Jul 7, 2019, 6:53 pm Reply

Guess I’m the 1%. Thanks for the info. The opportunity exist’s 👍🏼

Matthew Mtonga

Jul 7, 2019, 2:25 pm Reply

Thanks sam

UltimateBargains

Jul 7, 2019, 2:18 pm Reply

Be sure your lease-option deal includes a fixed price now, not some vague reference to a future appraisal, because the latter is a "first right of refusal" instead of an option to buy.

Also negotiate strongly for payment terms in the option, instead of an all-cash exercise price.

UltimateBargains

Jul 7, 2019, 2:21 pm Reply

Real estate is a "borrowed money" business.
The best lenders with the most flexibility are the distressed sellers.

Richard Neal

Jul 7, 2019, 5:23 am Reply

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RADIANT HEALTH

Aug 8, 2019, 5:27 pm Reply

Hi , I have a problem to be solved. I am 1 on 4 siblings that inherited a house from parents, and have to sell basically because everybody wants the money out of it. And 2 of the people have their own family and homes. However me and my brother do not have our own homes and would love to own this home/property , but we don't have much money at all and do not fall into any conventional loan mortgage scenario… Any ideas in this, anyone?? The other two siblings( two sisters) just want the cash out of this , like yesterday! thank you for your expertise and suggestions ..

S14 1414

Aug 8, 2019, 5:53 pm Reply

serious question, can you please please lend me some money i need to buy a flat.
thank you in advance

Danny _

Aug 8, 2019, 8:07 am Reply

Mike Winnit brought me here

J D

Aug 8, 2019, 10:06 am Reply

I am giving a money for investment
How can you justify your video??

Bradley McNamara

Aug 8, 2019, 5:38 pm Reply

Flip side to this-what type of property would you get into with a high budget? Typical buy to let? HMO?

Dom s

Aug 8, 2019, 4:15 pm Reply

There's a 5th way.
Steal the money
A 6th way:
Fraud
A 7th way:
Be the government

Ab Rabosea

Aug 8, 2019, 4:31 pm Reply

Really have the heart and the passion to share your wonderful knowledge. 👍

NJAMTV

Aug 8, 2019, 1:03 pm Reply

How are you putting a deposit down with money from a credit card? You even said you can pay a deposit by taking a loan from the bank?

As far as I was aware banks wouldn’t give a mortgage to someone who paid the deposit through borrowed/loan money

Haze Hughes

Aug 8, 2019, 12:42 pm Reply

There Really was No Need To Raise Your Voice Or Shout At Your Viewer's, i Couldn't Listen To Even Half Of What You Were Saying, Because Your Raised Voice Put Me Off..

MrMongoose221

Aug 8, 2019, 1:00 pm Reply

Funny how all the positive comments on his video look so similar (such as emojis) either bots or been asked to leave positive comments after one of his scam courses?

Pea #NUFC

Aug 8, 2019, 9:35 am Reply

👏🏻👏🏻👏🏻 top bloke like……🤙🏻 pure baller 😎👍

Brandon Rhein

Aug 8, 2019, 4:25 pm Reply

Thank you so much man, I cant even smash the like button enough. Beginning realistate investor #thank you so much

Marsh P

Aug 8, 2019, 7:39 pm Reply

You’re brilliant idea inspire me!

ben southwell

Aug 8, 2019, 9:02 pm Reply

I THINK THIS STUPID BUGGER IS IN A WORLD OF HIS OWN…and best left there.

Amateur Vegan

Aug 8, 2019, 6:44 pm Reply

Hi Sam,
How do you avoid paying huge postage stamp tax on your properties because this is the biggest problem I’m facing. Would really appreciate your advice,
Thanks

noose5150

Aug 8, 2019, 9:18 am Reply

Lie, if you had done this you wouldn’t bother making YouTube videos. Kind of like tai Lopez the affiliate king.

Ian Yardy

Aug 8, 2019, 1:15 pm Reply

I’m from the UK, but have now moved to Kuala Lumpur Malaysia. My wife works and supports us, I’m a part time football coach. Could I do this with Airbnb’s? Really want to earn a passive income but don’t have a deposit or chunk of money to put down.

S K

Sep 9, 2019, 8:43 pm Reply

In my personal experience, you do need some money but it's true there are many ways to raise it, there are a lot of pitfalls, I've had bad tenants and got caught mid development in 2008 when the Banks just closed their books and wouldn't lend to finish a project. BUT, having been in & out the game for 20+ years I am now trying to increase my portfolio to retire, long term property is never a bad investment. One thing I will say is getting good real honest advice is worth more than anything, I wish I had access to this much information and advice 20 years ago … I would be retired now for sure ! thanks Samuel.

العائلة النموذجية Ideal Family

Sep 9, 2019, 6:25 am Reply

شراء عقار بلا مال! Buy a property without money!
https://idealfamily1.blogspot.com/2019/08/blog-post_20.html

MMhassan247

Sep 9, 2019, 12:30 am Reply

Total bullshit waste of time

Charlotte roy

Sep 9, 2019, 11:56 pm Reply

This year has been good so far, i got a new home after a long waited plan, thanks to my forex trading investment, I didn't see that coming

thespecialist7

Sep 9, 2019, 8:58 pm Reply

Quality chat. You have confirmed my answers to move on. Thank you for your advise. I am a builder ready to move on with property. With a sponsor.

kissmy0sass

Sep 9, 2019, 8:38 pm Reply

How can you buy a house using a bank loan and credit cards? To buy a house mortgage advisors say you need good credit, the less loans etc the better your credit score.. and also, a mortgage is just one big loan, so surely you can’t just buy a house with two separate loans ie, some mortgaged and some on a credit card? I don’t understand that

G50 1998

Sep 9, 2019, 10:47 pm Reply

hii Samuel Leeds,
glad to listening to you up there , by any chance to have your an email address in kindly,please.

FREEMAN MOTIVATION

Sep 9, 2019, 8:27 pm Reply

I have been following Samuel for a while now and I admire him! Thank you for all knowledge.

Dave Wright

Sep 9, 2019, 11:37 am Reply

Some gullible people out there!

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