@jamesproperty_: Teaching Greg (Part 4) the costs of buying a £100,000 property. And the final number surprised him. Here’s everything you need to budget for. Deposit. 25% for a buy to let. That’s £25,000. Stamp duty. A 5% surcharge on top of the standard residential rates when you’re buying an investment property. £5,000 on this purchase. And remember, England and Northern Ireland have different thresholds to Wales and Scotland. Legals. Around £1,500 for a limited company purchase. Slightly less in your personal name. Mortgage broker fee. Up to 1% of the loan amount maximum, but most brokers charge a set price of around £500. Survey. A Level 2 survey costs around £600. Never skip this one. Arrangement fee. The lender charges this for setting up your mortgage, calculated on the loan amount. Borrowing £75,000 at around 4% means £3,000. Total to buy a £100,000 property: £35,600. Then the refurb on top. Anywhere between £20,000 and £60,000 depending on the condition and what you’re trying to achieve. If those numbers feel out of reach, here’s what I actually did when I started. I didn’t have enough for the purchase and the refurb. So I focused on getting the property first. Then over the next 12 months I funded the refurb through my job, extra savings, and help from family and friends. Step by step. That first house is what got me going. Focus on getting on the ladder first. The rest follows. We teach all of this step by step inside the James Property University. Join the waitlist at jamespropertyuniversity.io before we launch on 27th June. #propertyinvesting #ukproperty #jamespropertyuniversity

James Coupland

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Friday 12 June 2026 08:27:25 GMT