Money Tips Podcast

Raising Angel Finance and Venture Capital for Your UK Startup Starting and growing a business often requires substantial funding. For UK entrepreneurs, angel finance and venture capital (VC) are two of the most popular options for scaling a startup. In this episode of the Charles Kelly Money Tips Podcast, we break down these funding sources and share how you can access them. Watch video - https://youtu.be/uUuhpoE2lcg What is Angel Finance?Angel investors are high-net-worth individuals who provide funding for startups, typically in exchange for equity. They often invest at earlier stages than VC firms and may also offer mentorship and business connections. Platforms like Seedrs or Angel Investment Network can connect you with UK-based angel investors. What is Venture Capital?VC firms provide larger amounts of funding to businesses with high growth potential. They look for startups that have already proven some traction and scalability. VCs like Index Ventures and LocalGlobe are popular choices in the UK. How to Attract Angel Investors and VCs: Craft a Winning Business Plan: Clearly outline your market opportunity, growth potential, and financial projections. Build a Strong Network: Attend pitch events, startup accelerators, and industry conferences to meet investors. Show Traction: Highlight existing sales, user growth, or partnerships that prove your concept is working. Prepare for Due Diligence: Be transparent and organized when presenting financials and business operations. While both angel finance and VC can accelerate your growth, they come with trade-offs like equity sharing. Choose the right path for your business goals. For more tips on funding your startup, watch the latest episode on the Charles Kelly Money Tips Podcast on YouTube. How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s  #MortgageRates #FixedRateMortgage #BaseRate #UKHousing #InterestRates #MoneyManagement #CharlesKellyMoneyTips #Podcast #PersonalFinance #HomeLoans #property #buytoletmortgage #landlord #section24 #Inflation #Landlords #PropertyInvestment #RentalIncome #CharlesKellyMoneyTips #UKEconomy #RealEstate  #AngelInvestors #VentureCapital #StartupFunding #UKBusiness #Entrepreneurship #RaiseCapital #CharlesKellyMoneyTips #FundingTips #BusinessGrowth

Is Higher Inflation Good or Bad News for Landlords? Inflation is a hot topic in today’s economy, and as a landlord, you might wonder whether it works in your favour or against you. In the latest episode of the Charles Kelly Money Tips Podcast, we explore how rising inflation impacts landlords and what you can do to stay ahead. The Good News: For landlords with fixed-rate mortgages, inflation can actually be beneficial. As inflation rises, the real value of your debt decreases. This means that over time, you’re effectively paying back your mortgage with “cheaper” money. Additionally, in an inflationary environment, property values and rental income often rise, helping you build equity faster and increase your cash flow. Watch video - https://youtu.be/X6GlMT3bZS4 The Challenges: On the flip side, higher inflation can also mean rising costs. Maintenance, repairs, and property management fees are likely to increase, eating into your profits. For landlords with variable-rate mortgages, rising interest rates (often used to combat inflation) can significantly increase monthly payments, impacting your bottom line. What Should Landlords Do? Lock in a Fixed-Rate Mortgage: Protect yourself from rising interest rates. Increase Rents Strategically: Ensure your rental income keeps pace with inflation while maintaining good tenant relationships. Invest in Inflation-Resilient Areas: Look for properties in high-demand locations where rent growth outpaces inflation. Inflation can be both a friend and a foe for landlords. The key is to plan wisely and adapt to economic changes. For more property insights, tune in to the Charles Kelly Money Tips Podcast on YouTube! How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #MortgageRates #FixedRateMortgage #BaseRate #UKHousing #InterestRates #MoneyManagement #CharlesKellyMoneyTips #Podcast #PersonalFinance #HomeLoans #property #buytoletmortgage #landlord #section24 #Inflation #Landlords #PropertyInvestment #RentalIncome #CharlesKellyMoneyTips #UKEconomy #RealEstate

In the latest episode of Charles Kelly Money Tips Podcast, we dive into the Labour Budget, interest cut, mortgage rate, US election, Trump and the £25 million man who will show you how transform your financial future and help you build wealth faster. Watch video version - https://youtu.be/cMsYjNcQ5xA For more tips on managing your money and building wealth, subscribe to the Charles Kelly Money Tips Podcast on YouTube!   Learn how to make money online from a British multi-millionaire I’ve discovered a book I think you’ve really got to read. It shows you of how ANYONE can make millions online. It’s all in this one book by Simon Coulson: Interpreneur: The Secrets of my Journey to becoming an Internet Millionaire.  Simon Coulson is a really down to earth sort of guy. He’s also the real deal – he’s made £25 Million+ from his 5 different Internet Business. Each business doing 7-figures by itself. GOOD NEWS – I have a LIMITED STOCK of this book for JUST £1.95 [down from £12.95] To Get Your Copy - Click Here After falling down an escalator due to fatigue, Simon knew it was time for a change of lifestyle.  Now Simon lives on a 35-acre country estate, has bought his dream Ferrari and is able to enjoy holidays on a private island and network with Richard Branson. What would YOU like to do? - Pay off some of the mortgage? - End a boring career and start a business on something you're passionate about? - Spend as much time with your kids? - Create an additional income for your retirement? In Simon’s book, you can discover his money-making strategies through his personal anecdotes. You’ll also get to see 20 success stories he has chosen from the THOUSANDS that have studied with him. You will see for yourself how ANYONE can achieve success online, just by repeating the PROVEN STRATEGIES he uses himself. This book is for everyone from start-ups to owners of existing businesses. This book is a GREAT WAY to learn the unique opportunities present on the Internet through ‘real-life stories’ of people who started from zero and went on to have staggering successes.  Simon is also GIVING ALL THESE BONUSES FREE with the book: -  A 27-page Rolodex of Simon’s supplier links and contacts -  A FULL AUDIO VERSION of the Interpreneur - Internet Marketing Strategies: 3 Step Success System LIVE in Brighton [1hr 43min] - Internet Marketing Profits Training Manual #1: Choosing a Hungry Market’ - Internet Marketing Profits Training Manual #2: 'How To Explode Your Profits'  CLICK HERE TO GET YOUR COPY of The Interpreneur: FOR JUST £1.95 P.S. There are only a LIMITED NUMBER of Simon’s books for JUST £1.95.  I expect they will go quickly. To order your copy + The Bonuses TODAY - Click HERE P.P.S. You have NO RISK - Simon is offering a 30-day money back guarantee. Further information… #simoncoulson #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #inflation #Fixedratemortgage #PayYourselfFirst #FinancialFreedom #WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips #makemoneyonline#WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips #CharlesKellyMoneyTips #Podcast #USDollar #Investing 

In the latest episode of Charles Kelly Money Tips Podcast, we dive into one of the most powerful personal finance strategies: Pay Yourself First. This simple, yet effective concept can transform your financial future and help you build wealth faster. What does it mean to pay yourself first?  Watch video version - https://youtu.be/BVwkFqJ3iYQ It means prioritizing your savings and investments before spending on anything else. Instead of waiting to see what's left at the end of the month, you set aside a fixed percentage of your income as soon as you get paid. This could be for your emergency fund, retirement account, or investments. By automating this habit, you're ensuring that you're consistently saving and investing for your future. This strategy helps you avoid the common trap of overspending and ensures that you're always moving closer to your financial goals. Whether you’re aiming for early retirement, a big purchase, or simply financial security, paying yourself first is the foundation to achieving it. How can you start? Set up an automatic transfer to a savings or investment account the same day you receive your salary. Start with a small percentage and gradually increase it as you get comfortable. Paying yourself first helps you create financial discipline and builds long-term wealth without effort. For more tips on managing your money and building wealth, subscribe to the Charles Kelly Money Tips Podcast on YouTube!  3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 7.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #inflation #Fixedratemortgage #PayYourselfFirst #FinancialFreedom #WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips

As BRICS leaders—representing Brazil, Russia, India, China, and South Africa—gather in Russia, discussions around a gold-backed currency reset have gained traction. This move could signal a shift away from the dominance of the US dollar in global trade, potentially reshaping the global financial system. BRICS nations have long advocated for a more multipolar financial landscape, with less reliance on the dollar. A gold-backed currency could provide a stable alternative, reducing currency volatility and inflation risks. For countries like Russia and China, which hold significant gold reserves, this could increase their financial influence. Watch video version - https://youtu.be/gdWMFep1DCM What Would a BRICS Gold-Backed Currency Mean? 1. Currency Stability: Pegging currency value to gold can reduce inflation and provide stability, especially in volatile markets. 2. Impact on the US Dollar: A successful gold-backed currency could challenge the US dollar’s dominance in global trade, potentially weakening its value. 3. Investment Implications: Investors might see a shift towards gold as a safe-haven asset, with potential impacts on forex markets and commodity prices.   As the world watches these developments, individuals and businesses alike must consider the potential impact on savings, investments, and future financial planning.  As of 2024, numerous countries have expressed interest in joining the BRICS bloc, with over 40 nations considering membership and 15 formally applying. These include countries from various regions like Kazakhstan, Belarus, Pakistan, Cuba, Palestine, and Turkey, which officially applied in 2024. The growing interest in BRICS stems from its potential to offer an alternative to global organizations typically dominated by Western powers. In the upcoming BRICS Summit in Kazan, Russia, further expansion discussions will take place, with countries like Algeria, Azerbaijan, and Thailand among potential new members. BRICS currently has nine members: Brazil, Russia, India, China, South Africa, and the recent additions—Egypt, Ethiopia, Iran, and the UAE, who joined on January 1, 2024. The bloc is seen as a potential counterbalance to the influence of Western economic powers, particularly in global financial and trade matters. To learn how to manage your finances and stay ahead of global shifts, subscribe to the Charles Kelly Money Tips Podcast on YouTube. What’s in Store in 2024? Stock Markets, Property and Gold - Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 7.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #UKPropertyMarket #TenantsRights #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #inflation #Fixedratemortgage #PayYourselfFirst #FinancialFreedom #WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips #BRICSCurrency #GoldBackedCurrency #GlobalEconomy #FinancialReset #BRICS #CharlesKellyMoneyTips #Podcast #USDollar #Investing #GoldInvestment #CurrencyReset 

As the Governor of the Bank of England, Andrew Bailey, tells the Guardian that the Bank could be a “bit more aggressive” at cutting borrowing costs, depending on the rate of inflation, the question borrowers are asking is should I opt for a fixed rate mortgage rate or wait until base rates fall? The Bank reduced base interest rates from 5.25% to 5% in August, the first drop in cut in four years. However, Mr Bailey warned that the Bank was monitoring developments in the Middle East "extremely closely", as any movement in oil prices that could fuel inflation. With rising interest rates in the UK, many homeowners are asking, "Should I fix my mortgage rate now or wait until base rates fall?" This decision can have a significant impact on your monthly payments and overall financial situation, so it’s crucial to weigh the pros and cons. For investors with rental properties in their own names, the Section 24 landlord tax forcing landlords to rethink buy-to-let, but the is a solution. Watch YouTube video: https://youtu.be/aMuGs_ek17s  The Case for Fixing Your Mortgage Rate Fixing your mortgage rate can provide peace of mind, as it locks in your monthly payments for a set period—usually 2, 5, or even 10 years. This means that if interest rates continue to rise, you won’t be affected. It’s a popular option for homeowners who want stability and to budget more effectively. Current rates may seem high compared to a few years ago, but they could rise even further. By fixing now, you can avoid potential increases in mortgage repayments. Additionally, fixed rates offer protection against market volatility and economic uncertainty. The Case for Waiting Some experts predict that base rates may fall in the coming years, especially if inflation eases and economic growth slows. If this happens, waiting could allow you to secure a lower mortgage rate in the future. However, this strategy carries risks—if rates rise instead, you could end up paying more. Ultimately, the decision depends on your financial situation and risk tolerance. For more advice on managing your mortgage and personal finances, subscribe to the Charles Kelly Money Tips Podcast on YouTube.  Understanding the housing market and mortgage options can help you make the right financial decision. Stay informed and take control of your financial future! How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 7.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #MortgageRates #FixedRateMortgage #BaseRate #UKHousing #InterestRates #MoneyManagement #CharlesKellyMoneyTips #Podcast #PersonalFinance #HomeLoans #property #buytoletmortgage #landlord

Many people believe that to make money in UK property, you need substantial savings for deposits and renovation costs. However, it is possible to invest in property with little to no money of your own. In my latest Charles Kelly Money Tips Podcast, I explore strategies that can help you get started in UK property without using your own cash. Joint Ventures are one popular method. By partnering with investors who have capital but lack the time or expertise, you can bring your skills to the table and share profits. The key is finding the right partner and offering value. Another strategy is rent-to-rent, where you lease a property from a landlord and then rent it out for a higher rate. This method allows you to generate cash flow without needing a large upfront investment. Property sourcing is another option. You find properties below market value and sell them to investors for a fee. This requires market knowledge and negotiation skills but can be a great way to make money without buying property yourself. Lastly, creative financing techniques, like lease options, allow you to control a property now and purchase it later, often with no deposit required. Watch video version - https://youtu.be/YJ6MsVzq7DA By leveraging these strategies, you can get started in property investment even if you don’t have your own cash. For more insights, watch the latest episode on my YouTube channel, Charles Kelly Money Tips Podcast. Link: https://www.youtube.com/@charleskellymoneytipspodca9121 Labour Hint Of Wealth Tax, Higher Inheritance and Capital Gains Taxes And “Painful” October Budget Concerns over potential tax hikes, as the Labour Party hints at plans to raise Inheritance Tax (IHT), Capital Gains Tax (CGT), and even introduce a wealth tax, are already causing an exodus of the rich. Watch full video version -  https://youtu.be/P0WTdbIAuks   How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH

In this Money Tips Podcast: Inflation has fallen from 11% to 2.2% yet the Bank of England base interest rate remained at 5%. Energy prices will rise by 10% in October – time to fix your deal. “Painful budget” could see higher capital gains (CGT) and inheritance (IHT) taxes, the end of the single persons council tax discount and a possible wealth tax. Section 24 landlord tax forcing landlords to rethink buy-to-let, but the is a solution. Protect your assets. Watch video version - https://youtu.be/Tq1P2UbYp4A Labour Hint Of Wealth Tax, Higher Inheritance and Capital Gains Taxes And “Painful” October Budget Concerns over potential tax hikes, as the Labour Party hints at plans to raise Inheritance Tax (IHT), Capital Gains Tax (CGT), and even introduce a wealth tax, are already causing an exodus of the rich. Watch full video version -  https://youtu.be/P0WTdbIAuks How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #UKProperty #PropertyInvestment #RentToRent #JointVenture #NoMoneyDown #PropertySourcing #CharlesKellyMoneyTips #FinancialFreedom #PropertyDeals #bankofengland

As Labour warn of a “painful” budget and a “broken” economy, the wealthy are leaving the UK or making plans to relocate to lower tax countries. The Swiss bank, UBS, predicts it its latest Global Wealth Report that 500,000 millionaires will leave the UK by 2028, a 17% fall. Watch video version - https://youtu.be/P3AaRyeqZfA The FT said the UK will lose the most millionaires among the countries covered by UBS due to a combination of threatened ‘non-dom’ taxation, higher taxes and Russian sanctions, which has also seen billions flow out of the country. UBS’s report estimates that $83.5tn of wealth would be transferred within the next 20 to 25 years. This puts in doubt London's position as a haven for the global elite, currently a haven for the third highest number of dollar millionaires after the US and China. At the same time, low growth and high taxes and regulation is moving global investment to countries where the see more opportunity in Asia, North and South America and Africa, according to the media tycoon Sir Martin Sorrell. Taiwan has seen the highest growth of millionaires largely due to high tech growth businesses in the microchip sector.   Labour Hint Of Wealth Tax, Higher Inheritance and Capital Gains Taxes And “Painful” October Budget Concerns over potential tax hikes, as the Labour Party hints at plans to raise Inheritance Tax (IHT), Capital Gains Tax (CGT), and even introduce a wealth tax, are already causing an exodus of the rich. Watch full video version -  https://youtu.be/P0WTdbIAuks   How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards

Prime Minister Sir Kier Starmer presented the Renters Rights Bill to Parliament on Wednesday during PM Questions. Watch video version - https://youtu.be/iqXll_itlNA The Bill appears to be a rebrand of the Conservatives Renters Reform Bill which failed to become law before Rishi Sunak’s disastrous snap election. I would urge you to read to Bill or at least the ‘Guide’ published here: https://www.gov.uk/government/publications/guide-to-the-renters-rights-bill/82ffc7fb-64b0-4af5-a72e-c24701a5f12a Many landlords are retiring, considering their options or selling up after years of landlord bashing, red tape and higher taxes under Section 24. Less new landlords are entering the market in such great numbers due to higher mortgage rates, stricter lending criteria and lower yields on but-to-let properties as prices have risen much faster than rents.  The Renters' Rights Bill 2024 signals a major shift in the dynamics of the private rental market. While these changes aim to protect tenants and ensure fair practices, buy-to-let landlords will need to adapt to new regulations and potentially alter their investment strategies. Smaller landlords could be pushed out by corporates and hedge funds looking to build or buy thousands of properties for rental. Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #rentersrightsbill #rentersreform