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Should you buy your own home or a buy-to-let first? (Tips for first time buyers and investors 2020)

Should you buy your own home or a buy-to-let first? This is a common question for first time buyers and would-be buy to let property investors and is one I am asked a lot! Today I walk you through my own property journey and what I personally did, as well as discussing what you should consider if you are starting today. The Stamp Duty Rates* that I talk about in the video are: Purchase price of property Rate of Stamp Duty Rate for 2 or more £0 - £125,000 0%** 3% £125,001 - £250,000 2% 5% £250,001 - £925,000 5% 8% £925,001 - £1,500,000 10% 13% Over £1,500,001 12% 15% Rates correct as at 28th May 2020. ** First Time Buyers pay no Stamp Duty on anything up to £300,000. *** In July 2020 the government announced a Stamp Duty Holiday until 31st March 2021. Check out my video here with details of how that works and the updated stamp duty rates:    • Mortgage Repayment Holiday (UK Mortga...   Another question that comes up a lot is "Can I rent my main residence with the current mortgage or do I have to switch it to a buy-to-let?" Find out the answer in this video:    • Renting Out a House for the First Tim...     VIDEO DISCLAIMER: The information contained in this video is for general information purposes only and should not be construed as financial advice or business advice of any kind. OTHER VIDEOS TO HELP WITH YOUR WEALTH JOURNEY: ⭐5 things that can make you wealthy:    • 5 Things That Can Make You Wealthy (B...   ⭐Savings MISTAKES not to make:    • 3 SAVINGS MISTAKES that might be hurt...   ⭐How to create a Wealth Action Plan:    • How to create a Wealth Action Plan (B...   ⭐Debt repayment SECRET:    • Debt repayment SECRET (Little known d...   ⭐Let's talk about debt!:    • Let's Talk About Debt (£125K Debt!)   COME & SAY HELLO! My website: http://www.oliviafenion.com Facebook:   / oliviafenion   Instagram:   / oliviafenion   CAMERA/GEAR I USE: My Camera: https://amzn.to/2YttkUv My Microphone: https://amzn.to/2FVRJvK My Ring Light: https://amzn.to/2FMRq6e My Tripod: https://amzn.to/32rOunc My SD Card 128GB: https://amzn.to/32tLE1k My SD Card 64GB: https://amzn.to/3lf3AVH TOOLS/SERVICES I USE: Graphics: https://www.canva.com/join/xgs-tbv-wyv Sound & Music: https://www.epidemicsound.com/referra... Keyword Research Tool: https://morningfa.me/invite/6ngakixk Make sure you subscribe to my channel for more videos! New vids out every Thursday at 9am (BST/GMT) Helping you with your Wealth Journey via Personal Finance, Mindset and Wealth Creation! DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide you with free content each week! 😊