| by Kenneth Chase | 54 comments

How To Invest £30,000 In UK Property | Samuel Leeds

I get asked a lot what would I do if I had
30,000 pounds to invest in property? How exactly would I invest it? So on this video I’m going
to be explaining what I would do with 30K. Okay, so if I had 30,000 pounds in the world
and that’s all I had to invest in property, I wouldn’t want to invest in property. I think
that if all I had in the world, and I didn’t have any property investments, or anything,
and I just had 30K, I’d want to invest at least some of it in myself, educating myself,
so that I can answer this question properly. If I had to invest it in property, I think
I would … Me knowing what I know now, if I just had 30K, I would probably buy an apartment,
Birmingham City Centre, that I could rent out on a service to accommodation basis. I think that would give the highest return
on investment. I don’t think you can beat the returns of that type of deal, so if I
had 30K I’d find a little apartment in Birmingham. I’ve just bought two of these, so I am in
this position. I haven’t just got 30K, but I have got 30K and I am investing 30K, just
lots of times doing lots of big deals, land developments, castles, but I’m also buying
these types. I think that’s what I would probably do. Find a property, 100,000 pounds maybe in Birmingham,
a little apartment, one bed. Permission to rent it’s serviced accommodation. Permission
with the lease, in the centre, boom. Rent it out. I’ve got people that will manage it.
The return’s like 40, 50% ROI. It’s just insane. If you’re watching this video there’s no magic,
“This is the best thing to do.” I don’t think there’s any magic answer. I think that you
should invest in what you know. In fact, I was talking Lord Sugar about this. I asked
him a very similar question, as what you guys ask me a lot. I said, “If you had a hundred grand, what
would you invest in?” We had a whole conversation about it, but one of the things that he said
that was really important way, you should invest in what you know. If you know a lot
about HMOs, let’s say you’ve been experimenting and going on training programmes and learning
all about HMOs and you’ve got 30K, I would probably buy an HMO with it. That would be
a good investment. Maybe buy a four bed. Four beds are really good, because five beds you
need a licence, with the new changes coming in and stuff. You need a licence, so the difference
between four and five bed is a licence. So, if you’re going to get a licence anyway,
sometimes I think you might as well jump to six. If it’s more than six you need planning.
To keep it real simple, if you have 30 grand and that’s it, your best bet would probably
be to be buying a four bed in a cheap area, City Centre, maybe somewhere like Liverpool,
Warsaw. Warsaw’s good. Warsaw’s not even that cheap. You could do Bradford. Just I’d find
a cheap area where I knew that there was a high demand, there was no Article IV, four
bed, HMO. But it for like 80, 90 grand. You thought [inaudible 00:02:34] was going
to get swallowed up in that one deal because deposit could be 20 grand, but then you’ve
got your furniture. I’d probably, if I only had 30 grand I’d lease my furniture to save
putting down much money. Rent four rooms out, fetch rent, about 1,400 pounds a month. Of
course, you’re going to have to pay expenses and that, but you could easily burn through
700 pounds a month. Seven hundred pound a month cashflow, investing
30 grand in, not bad, especially when the Article IV’s going to come in. Your property’s
going to shoot up. Rents are going up, so that would probably be the second thing that
I would do. The third thing that I would do if I was absolutely brand-spanking new to
property and I had 30 grand, I didn’t know anything about service to accommodation, I
didn’t know anything about HMOs, I didn’t have any mentors and was too tight to pay
for mentoring because honestly, if you’ve got 30 grans and that’s it, you could put
it into property, but I mean I’m not saying you should put the whole 30 grand, but at
least put 10%. At least put 10% into educating yourself,
mentor, books, CDs, whatever. If I’m your mentor you ain’t going to be able to do it
10%, but find someone that will. The third thing that I might do is I might with 30 grand,
just go and buy a single let property or a couple, because if they’re very cheap, 50
grand properties which you can find in many parts of the country, you only need 15 grand.
You could buy a couple single lets or just one single let property. Even if it’s just giving you an income of
four or 500 pound a month, still you’re on the property ladder. You’ve got some income
coming in. It’s going to help you when going to buy some more, some bigger development
properties or even HMOs potentially and then just assess it. But whatever you do when you
start and you invest that first 30 grand, assess it. Do a spreadsheet and stuff and
workout what return on invest you get in. The last thing that you can do with the 30
grand is buy a house to live in because a house you live in is not an asset because
the definition of an asset is something that puts money in your pocket every single month.
Now the worst thing you could do, worse than that would be just spending it on stuff, spending
it on stuff that disappears. Just don’t. I mean geez, please don’t do that. Invest in
something. Hope that answers the question. If you have
30,000 pounds in the bank right now, hopefully you’ve got more, but if you have 30,000 pounds
and that was it, what would you do with it? What would you invest in, HMO, serviced accommodation?
Would you buy a couple single lets or a single let? Or would you invest it in yourself? Comment
your thoughts below on this video. Also, don’t forget to share, subscribe, like. I really
appreciate that. Love you forever. See you next time. Thank you so much for watching. If you 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
Investor’s Crash Course, watch this video, see what happens, but whatever you do, don’t
forget to subscribe right here and I’ll see you next time.


Kailash Rawat

Oct 10, 2018, 7:08 pm Reply

Samuel..I am the first to like the Video..
hey.thats the achievements ?
Great to watch your Video..you are a star

Carlos Trenev

Oct 10, 2018, 7:21 pm Reply

Great video! Whats the best place to ask a private question?

Joe Dawson

Oct 10, 2018, 7:29 pm Reply

Great question ? with 30k I would pay an expert to source me a lease option agreement for a serviced accommodation property advised by the expert. Pay around 3k for education on serviced accommodation investing, 3k on education for building my brand, put 6 months worth of fixed expenses away as an emergency fund and the rest towards buying stock and advertising. Keep up the good work Sam and thank you for your great videos, I'm very grateful ??

Robert Ledingham

Oct 10, 2018, 7:51 pm Reply

You are looking thinner in the face Samuel. Have you lost weight 🙂


Oct 10, 2018, 7:55 pm Reply

got me confusing 4 bed or 4 bedrooms > >? 😀


Oct 10, 2018, 7:57 pm Reply

One thing I respect about you is your honesty, it was nice to meet you in London at your property event and meet you in person.

MMG – Moon Man Guitar

Oct 10, 2018, 9:10 pm Reply

Brilliant advice. Every one of your vids are sooo inspiring. Thank you Sam. ??

Sam McK

Oct 10, 2018, 9:27 pm Reply

YES SAM, Thanks for all the content. very inspirational. I am new to property and am looking forward to seeing you at the birmingham crash course with my brother! you the man! God bless

cabbat doolab

Oct 10, 2018, 9:50 pm Reply

Love this video! I wish I was you right now ?

James O’Connor

Oct 10, 2018, 10:02 pm Reply

Is it always best to pay an interest only mortgage for the investments you mentioned Sam?

Adam B

Oct 10, 2018, 5:50 am Reply

How about flips? Doing 2-3 flips making 20-30k a time would put you in a much stronger position. Especially if you can get them on a residential mortgage. Might be a bit tight financially on the first one but can definitely be done (I've done it)

N J Russell

Oct 10, 2018, 6:27 am Reply

This is great advice – thank you. Samuel, I'd be interested to know your thoughts on investing SSAS pension money in property

Mick OBrien

Oct 10, 2018, 9:53 am Reply

I am big believer in learning from doing. i do like the idea of the apartment in Birmingham
Great video, See you on the 2 Nov.

Mr Intoku

Oct 10, 2018, 12:53 pm Reply

What if you have very very very low credit history/score and have debt to pay. How would you Invest in property and get out of debt and improve credit history?


Oct 10, 2018, 1:58 pm Reply

I'm mid-twenties, a self-employed record producer and literally have just under £30,000 set aside [That it's taken me the last few years to save] for this exact purpose so this video couldn't have come at a better time. I'm currently viewing properties in the North and about to buy my first 4-bed HMO alongside a joint-venture partner. All came together after visiting your crash course earlier in the year, so thanks Samuel, and wish me luck

Mark Parham

Oct 10, 2018, 4:13 pm Reply

Great video once again buddy!

John Goodwin

Oct 10, 2018, 4:36 pm Reply

Hi Samuel do you have any advice about how to get contracts done for rent to rent deals ?

Alessandro Santese

Oct 10, 2018, 5:17 pm Reply

Great content. I am really learning about it all, however based on few books I read (property investment R. Dix and Buy Low Rent High) I would feel comfortable with buying a 1 bedroom at about 100K (lower even better) with a 20/25% deposit and rent it out. I am not yet comfortable (yet) with buying a flat with other options. I think this would be a good starting point….

Zoraiz Habib Bakht

Oct 10, 2018, 6:04 pm Reply

My online mentor!! ?? Also do you have to be over 18 to go to one of your crash courses?

jack brown

Oct 10, 2018, 6:17 pm Reply

Great content as always !

My thoughts would be to invest in rent 2 rent first to get cashflow and your investment back quicker than buying. Then you could Leave your job ( if you have one) and focus on property full Time and reinvestmykur recouped 30k into buying. Just my thoughts!

Aldo Zilli

Oct 10, 2018, 6:42 pm Reply

As someone who has serviced accommodation I don't understand how 40% ROI can be achieved. In Birmingham centre for example people will want to stay a few nights at most, when you have to pay cleaning at £50 to £60 each time plus get someone to manage all the reservations at 20%-25% fee the expenses and hassle factor rack up.


Oct 10, 2018, 8:28 pm Reply

Hi … I'm from LAHORE Pakistan. I want to invest £60000.

Lewis Gilfillan

Oct 10, 2018, 9:20 pm Reply

What about 12 grand for a 20 year old.

nader qarini

Nov 11, 2018, 9:47 am Reply

Hey Sam, where can I find out how much it costs for having you as a mentor?
And will I have to be in a specific city?


Nov 11, 2018, 12:36 pm Reply

fair shout education always the best investment….

Donna Daly

Nov 11, 2018, 2:12 am Reply

I like your enthusiasm. It is contagious. ?

Alisha Adams

Nov 11, 2018, 2:19 pm Reply

Hey Samuel…loving ALL of your videos. I've ordered your free book and audio as well as signed up for your crash course in Jan. I've also ordered Jacquie's Rent to Rent book as I'm most interested in that. I should have 30k to invest by the time the conference comes around but would really like to get some service accommodations started asap. I really liked the video of the mother/daughter duo doing that. I was wondering what other advice you could give on doing research on that between now and the conference and I was also wondering if you could point me in the direction to the cost of your academy so I can budget properly should I choice to go that route. Thanks for all the time and effort you put into these videos, conferences, etc. I look forward to meeting you soon!

Lon Leb

Dec 12, 2018, 7:34 pm Reply

With the new buy to let tax coming in, many are saying its time to think of other investments. What do you guys think?

Viajando Sem Limites

Dec 12, 2018, 2:18 pm Reply

Hi , ok but if I don't buy a house to live then i am going to waste money on rent. So, what's the point of having an asset when i still need to pay my rent, which is a money that will not rerurn anymore?

alison norcross

Dec 12, 2018, 10:46 pm Reply

Definately need more education ans to do more research.


Jan 1, 2019, 12:41 am Reply

How about £5,000 Sam,just started a 9-5 and already hating it. Love your work??

Shaolin Power Ranger

Jan 1, 2019, 11:40 pm Reply

Step 1… Borrow 30 k


Jan 1, 2019, 4:14 pm Reply

I'm 21, from Plymouth and have saved £30,000. I would like to get into property as a long-term career but am worried I'll make mistakes but hopefully all goes well.


Jan 1, 2019, 2:08 pm Reply

Do you have any videos on the buy to let interest rate changes

Forest Field

Jan 1, 2019, 4:40 am Reply

No homo but I love u Samuel

Viaceslav Janc

Jan 1, 2019, 4:17 pm Reply

the definition of an asset is something that puts money in your pocket every single month? Oh man, you seriously need to revisit the proper accounting definitions and replace those Kiyosaki books with the real stuff

Puscas 23

Feb 2, 2019, 2:13 pm Reply

For 30k you can do a lot!! Just use your creativity… Most people started with 5k and now they are millionaires..

Nader Qarini

Mar 3, 2019, 11:28 pm Reply

Hey, how do you risk asses if an area if just bad (Rough people, only rough people would move there)

That's my biggest fear, and I cant move forward from there

House could be super cheap and close to city centre, but is it a "rough area" , how do you decide whats a rough area

Gvo channel

Mar 3, 2019, 10:38 am Reply

you make great videos about property investment you have a property website.

Scott19946494 Livingston

Mar 3, 2019, 8:20 pm Reply

What would you do it you had only £5000 pounds to invest in property

Ngawang Choedak

Mar 3, 2019, 11:26 pm Reply

Hi Samuel,
would you recommend buy to let investments in recent new build flats in the L3 Albert Dock area?
It seems to be the area with highest capital growth potential as per recent news; however having said so; looking at the L3 price index there has hardly been any capital growth from 2007 onwards in fact prices now end of 2018/19 seem to have just touched 2007/8 prices. Though from a cash flow perspective the % ROI from rental perspective is pretty good and beats London and other leading uk cities.
Would like to know your thoughts.

Jarkgeen Boss

Mar 3, 2019, 10:37 pm Reply

love you thx so much good luck

Dawid Lyszczek

Apr 4, 2019, 8:54 pm Reply

Hi Sam, what are your thoughts on buying first property using residential mortgage (to take advantage of "help to buy ISA" and 10% deposit), and then transferring the mortgage to "buy to let"? Would this be a way to avoid 20-25% down payment for first time buyer who wants to start investing in property? Of course would need to live in until mortgage is transferred.

Ajay Nelson

Apr 4, 2019, 1:24 pm Reply

Walsall cheap

elias valdez

May 5, 2019, 4:58 am Reply

I throw 4500 into savings each month in about 12 months where should I get started ????

Alex C

May 5, 2019, 6:18 pm Reply

You think you can buy an apartment for 30k? How?

Lewis Hunt

May 5, 2019, 11:52 pm Reply

I understand living in your own property isn't a asset. So you get a buy to let, but you yourself need to live some where, and you spent all your money on your deposit, so you are renting and renting some where out? Doesn't make sense to me. Also wont you be getting taxed 20% on the income from your buy to lets? Which wouldnt really leave you with a great deal left

Hound doggy dogg

May 5, 2019, 10:10 pm Reply


JF Design

Jun 6, 2019, 5:07 pm Reply

I'd start with a new logo if I'm honest

Matthew Cobley

Jul 7, 2019, 6:17 pm Reply

40 to 50 ROI! God damn, I need to look into that!

Andy Ephraim

Jul 7, 2019, 11:59 pm Reply

Hi Samuel. While learning about property, I have about £25k to invest and I had a chat with an acquaintance who is already investing in property. He is offering me a 25% ROI in a year with a secure loan agreement but no name or restriction on the title. He is looking to buy a house to rehab and flip, for about £220k. What do you think about this? Good deal? Safe deal?? I am new to Real Estate and was wondering if I could recover my investment if things go south?

Kent Millamena

Aug 8, 2019, 9:56 pm Reply

what's better to buy – house or a flat for high investment return ?

Sarudzai Makgatho

Sep 9, 2019, 8:57 pm Reply

Inspiring videos thank you.

S. G.

Sep 9, 2019, 1:25 pm Reply

Whatever you do, don't waste it on a flashy car….

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