In this video I teach you how to RETIRE EARLY through Property Investment and the frugal mindset you should have to retire rich, I also give you a step by step process on how to retire in 5-10 years.
Mindset - 00:00 - 05:54
By having a frugal mindset it enabled me to buy my first property at only 23. Being frugal just means making smarter/cheaper spending choices. You don't have to stop spending and be boring, just make cheaper choices.
Property Investment Step by Step - 05:54 - 12:26
Property Investment will allow you to make significantly more returns than you could in the Stock Market because of Leverage. This means you can borrow money from the bank to invest and make a bigger return on a smaller investment.
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The information in these videos shall not be construed as tax, legal, insurance, construction, engineering, health and safety, electrical or financial advice. IF stocks or companies are mentioned, Thomas MAY have an ownership interest in them -- DO NOT make buying or selling decisions based on Thomas' videos. If you need such advice, please contact a qualified accountant, solicitor, insurance agent, contractor/electrician/engineer/etc. or financial advisor.
This is not an advertisement of property for sale and shall not be construed as anything other than an opinion for entertainment purposes only.
Inspired by Graham Stephan, Meet Kevin, Shaf Rasul, Andrei Jikh, Nate O'Brien, The Credit Shifu and more
#PropertyInvestment #RetireEarly #FrugalMindset

By Stock Chat

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22 thoughts on “How to retire early through property investment”
  1. Avataaar/Circle Created with python_avatars Sir Shallot says:

    I am a student with no income(have a loan tho and saved up to 8k), but want at least some early experience in property investment in some way, if that is possible and reasonable. Is maybe buying a cheap small singlett worth? or keep studying and go in for the long haul? any suggestions?

  2. Avataaar/Circle Created with python_avatars NickEllen H.L. says:

    So is the 130K a bridge-to-let loan?

  3. Avataaar/Circle Created with python_avatars yasminakhtar5 says:

    Great content .thanks

  4. Avataaar/Circle Created with python_avatars Yianny 01 says:

    Great Video and good advice. Between 2001 and 2006 I was incredibly frugal and plowed all my money into the London property market. This included not going on any beach holidays and even truning down some mates stag do's. So glad I did, as I'm reaping the beenfits year. Hard work at the time but well worth it, time goes by too quickly to be working for someone else your whole life.

  5. Avataaar/Circle Created with python_avatars Oli roberts says:

    Great vid really well explained!

  6. Avataaar/Circle Created with python_avatars Giacomo Sala says:

    Love the content can you go into more detail on the legal and the financing side of purchasing a property

  7. Avataaar/Circle Created with python_avatars Alan Turner says:

    Well done again Thomas I've sent your video to my 20 year old sons

  8. Avataaar/Circle Created with python_avatars reacon84 says:

    How easy is it to get multiple B2L mortgages? I know with a standard mortgage you have to have some 'free cash flow after expenses' from your salary to cover the actual mortgage. Are there any caveats to B2L mortgages?

    I own 2 properties – 1 fully paid off (and renting for £775pcm) and one I live in that I pay a mortgage on. I'm looking to do exactly what you talk about in your video in terms of re-financing and tkaing out equity for deposits on other B2L properties so great video!

  9. Avataaar/Circle Created with python_avatars Matthew Pleasant says:

    Great to hear you say this, I am buying a house this year at 23 too 🙂

  10. Avataaar/Circle Created with python_avatars S A says:

    I like that mentality, even if its not for property investing, I think being like that generally will save you tonnes like you said. Thank you for sharing your knowledge!

  11. Avataaar/Circle Created with python_avatars Planesational says:

    Thomas…I'm afraid you have over simplified things a little bit. I've been in this game a while and whilst it is true to say that properties have increased 3 per cent on average that is against a back drop of a period of very cheap interest rates. There is if course no way of knowing how long rates will stay this cheap. As someone invested in London I don't expect to be seeing much growth in the south east for a good few years. But more importantly the strategy you are illustrating is a highly leveraged rinse recycle. Anyone following this strategy needs to be aware of the capital gains tax bomb implications that one build up by raising an ever increasing amount of debt against a property asset. I think it would be worth you explaining that in one of your future videos and this is something that needs serious consideration. The rinse recycle approach has trapped lots of investors who have bought under their own name now finding they are having to sell their properties because of loss of interest relief. These people are being hit with huge tax bills that exceed the equity left in in their properties.

  12. Avataaar/Circle Created with python_avatars Cherelle :D says:

    Hey Thomas, can you possibly do a video on bridging loans?
    Also . . . .I'm getting a little confused. Is remortgaging and refinancing the same thing?

  13. Avataaar/Circle Created with python_avatars Nick 2017 says:

    Very good vid man! Can we have a vid on Bridging? 😀

  14. Avataaar/Circle Created with python_avatars Zach H says:

    Do you use a repayment mortgage or an interest only mortgage?

  15. Avataaar/Circle Created with python_avatars mhoward181 says:

    Another excellent video. Top tips. It’s so hard to change people’s mindset with spending. No one seems to care and wants to live in the moment.

  16. Avataaar/Circle Created with python_avatars macca1987 says:

    You are a messiah my friend

  17. Avataaar/Circle Created with python_avatars Hola! Money Employed says:

    I still don't get it how people accept to get ripped off by paying so much for coffee. I'm having 4-5 coffees (homemade) a day and they cost me a whopping £0.50

  18. Avataaar/Circle Created with python_avatars MMG - Moon Man Guitar says:

    I think u need to consider the tax you'd be paying each year. True net figures would be a lot less. Especially as you can't use 100% of your mortgage as an expense.

  19. Avataaar/Circle Created with python_avatars Leon Mclean says:

    How long have you been following this strategy and where are you in this journey?

  20. Avataaar/Circle Created with python_avatars Leon Mclean says:

    Good video, the timings might be a bit tight to do so many deals in such a short time.
    But will definitely work for some people

  21. Avataaar/Circle Created with python_avatars Thomas James - Investing says:

    Let me know what you think about being frugal, is it a good mindset to have?

  22. Avataaar/Circle Created with python_avatars Mothballjim says:

    Another great video. Thumbs up

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