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  • Forget Spain and Portugal – Malaysia is the Best Place to Live and Invest in 2025

    Forget Spain and Portugal – Malaysia is the Best Place to Live and Invest in 2025
    2025/06/05

    Why I'm Quitting UK Buy-to-Let Property – From Buy-to-Let to Bye-Bye UK: My Property Investment Shift to Malaysia…

    Watch video on YouTube - https://youtu.be/se1oFAKTNng?si=GVyI-CLWTVlu6uyf

    After years in the UK buy-to-let property market, I’ve made the difficult decision to step away. While British property was once a reliable path to wealth, it’s no longer what it used to be. Increasing taxes, endless regulations, and government pressure on landlords have made the market unattractive. With Labour pushing for more restrictions and potential rent controls, landlords are squeezed more than ever.

    So, where else can you go to invest and live well?

    Some investors are turning to EU countries like Spain and Portugal. However, Spain has slapped a controversial tax on foreign buyers, and Portugal recently pulled the plug on parts of its golden visa scheme. Add bureaucracy and high costs, and Europe is looking less inviting.

    But here's the good news: there are better alternatives.

    One of my top recommendations is Malaysia—specifically Kuala Lumpur. Compared to other Southeast Asian destinations like Thailand, Vietnam, or the Philippines, Malaysia offers far better value. Property prices in KL are surprisingly affordable, often cheaper than its neighbours, and the cost of living is about half that of the UK.

    Malaysia also stands out for its MM2H (Malaysia My Second Home) visa program. This relatively low-cost golden visa allows you to live long-term, invest in property, and enjoy a warm climate year-round. English is widely spoken, the infrastructure is excellent, and crime levels are notably lower than in the UK.

    What’s more, Malaysia is a hub for travel across Asia, with great connections to Thailand, Singapore, Indonesia, and beyond. You’ll enjoy an amazing lifestyle, rich culture, fantastic cuisine, and excellent value—whether you're retiring, investing, or working remotely.

    In short, I'm moving on from UK property and choosing freedom, lifestyle, and opportunity in Malaysia.

    Finally, I used an amazing visa agent for the MM2H and estate agent (who is a British Ex-Pat) to help me on my journey. Beware of the sharks and a few scammers. If you are considering Malaysia or Kuala Lumpur, and would like an introduction drop me an email charles@charleskelly.net

    #UKPropertyCrisis #BuyToLetExodus #MalaysiaMM2H #OverseasInvestment #PropertyAbroad #RetireInAsia #MoveToMalaysia #GlobalInvestor #PropertyTips #CharlesKellyMoneyTips
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    16 分
  • Part 2 Why I’m Quitting Buy-to-let Property Market – Update

    Part 2 Why I’m Quitting Buy-to-let Property Market – Update
    2025/05/29

    The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121

    Watch video -

    Why I’m quitting buy-to-let but not property - Part 2 Update

    Thanks for the amazing comments from first video!

    Lots of positive comments from landlords. Some of them agree with me others do not.

    Several landlords, one who had 60 buy-to-let properties, have already started selling and getting out completely.

    Many of the comments indicated that there was a general sentiment that the UK, as well as buy-to-let, is finished.

    Many are planning to leave and quite a few have left already.

    We already know that a substantial amount of wealth as left the UK and more capital will be transferred out of the country in the coming years.

    Billions in tax revenue will be lost to the exchequer.

    Jobs are also being affected by labour’s ‘jobs tax’ with unemployment up and recruiting slowing as employers lose confidence.

    This comes at a time when jobs are already being lost to outsourcing and AI!

    What labour don’t get

    • Businesses create wealth – not governments!
    • Businesses create jobs
    • The wealthy already pay more tax than the poor
    • When the wealthy leave, the middle classes and the poor will all have to pay more tax to pay for running the country and servicing the debts and will suffer a lower standard of living.

    I’ve seen it before in my life under a previous labour government who put up the highest rate of tax to 98% and caused a brain drain.

    Clarification

    I’m not getting out of Property just standard buy-to-let AST’s under the new Labour government’s socialist republic.

    Alternative property strategies

    • Leasing to local authorities or housing providers
    • Rent-to-rent – little or no capital required to start
    • Furnished holiday lets, AIRBNB, Booking.Com etc
    • BRR by refurbish and refinance using other people’s money.

    There are many more strategies you can learn about by studying under experts who been there and done it before.

    If you’d like to find out more than link below to join a free seminar or course to enhance your property knowledge:

    charles@charleskelly.net

    Property is still a good long-term investment and will survive the idiots that run the country downwards because the markets and demand will prevail. Despite warnings of our demise, the UK will also survive the fools in power.

    See other videos:

    Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’ - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s&sttick=0

    Nigel Farage SLAMS HMO BUY-to-Let Landlords

    In an astonishing attack on private enterprise, right wing Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw

    Better property strategies are needed - Learn property strategies from experts

    There are so many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property.

    For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net
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    19 分
  • Why I’m Quitting Buy-to-let Property Market

    Why I’m Quitting Buy-to-let Property Market
    2025/05/22
    The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121 Brief history of the buy to Let market Watch video - https://youtu.be/Vy6NTf38uR8 My story of finding a rental property before BTL and pre-ASTs - It was worse than now. No council house building since the 1970s and the introduction of right to buyThe BTL model has worked well since the 1990’s.Properties were relatively cheapReturns were good, even with higher mortgage ratesWith higher interest rates so you could just about break-even, but enjoy fast capital growth Now the government thinks the pendulum swung too far in favour of landlords. Tenants are unhappy about high rents and insecurity. But is that the fault of landlords or a symptom of 50 years of short-term thinking government policy?The buy-to-let boom has led to a massive transfer of wealth into property, as well as the banks, and it seems the ‘powers that be’ want to apply the brakes with legislation and taxes, We are now living in a new socialist regime after 30 years of relatively business friendly government, which includes the Blair labour government. My personal experience30 years dealing with tenants - nothing against tenants, I just haven’t got the patience for it anymore!New threats from various BPU’s (business prevention units)Lack of social housing being built for 50 yearsMass immigration from all governments since the Blair years leading to an unprecedented population explosion Swinging from unrestrictive to tighter lendingPlanning hold-ups leading to housing shortageAnti-landlord policy starting with Conservative Chancellor George Osbourne and his Section 24 landlord taxRenters rights bill, which was born out of a conservative policyEnd of section 21 no fault of evictions and a ban on so-called “back door” evictionsOpen end of tenancies – how is that going to work in practice?New minimum housing standards and more red tape - many councils and large housing associations would fail these standards but only private landlords will be hitBan on Advanced rent payments, often used where tenants fail referencing or are from overseas. Even more rights for tenants Less security for property ownersBan “discrimination” Right to request adaptation of Properties in the case of disabilitiesRestrictions on rent increasesRent repayment ordersMore powers for local councils to sanction landlordsNew digital Landlord database, but no rouge tenant database County court backlogs, meaning that enforced evictions will take up to a year Renters rights was mentioned in parliament recently during PM’s questions after a labour MP raised the point that tenants were being priced out by landlords. Prime Minister Sir Keir Starmer said that his new renter’s rights bill will help 11 million tenants. He said they will end no fault of action something which the Conservatives had failed to do. . Landlords could be obliged to take pets and tenants on benefits Over the past year, only 6.6% of room-offered ads on SpareRoom explicitly welcomed pets, while a striking 93.4% did not. One third of people in the UK have pets and 29% own a cat. On a Spare room survey 93% of landlords display that they are unwilling to accept pets, this will be banned under the future law. If a tenant wants to keep a pet at home, landlords will not be able to unreasonably withhold their consent. If a tenant feels you’ve made an unfair decision they can challenge it by taking their complaint to the Private Rented Sector Ombudsman or even to court. Falling returns Soaring house prices means it’s difficult to get a positive yield on straightforward buy-to-let propertyLandlords have turned to HMO strategies, but local authorities are introducing more article 4 areas.The yields on properties in London and the Southeast have been driven down by high prices. Landlords are increasingly buying in the Midlands and the north of England, but who wants to drive 300 miles to find and manage property? Many have adapted and move into furnished Holiday lettings in order to avoid section 24 and the end of section 21 notices, but now the BPU are heading them off at the pass! Tax changes abolishing the advantages of furnished holiday Lettings , brought in by Jeremy “Hunt” the left leaning former Chancellor under the last ‘high tax’ conservative government. I know some landlord I’ve spoken to are happy to stay in the market and feel that they can adapt to the new laws. That’s fine there’s still a profit (sorry if that’s a dirty word, but without profit there is no service) to be made and in a long-term it’s still a good investment, but not for me and thousands of other landlords anymore. As the TV Dragons say, I’m out! Am I quitting property altogether? No! Property is still a good long-term ...
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    38 分
  • Pension Panic As Stock Markets Crash

    Pension Panic As Stock Markets Crash
    2025/05/15

    US stock markets have crashed 20% in the last three months and trillions has been wiped off the value of companies worldwide since Donald Trump’s election and his recent tariffs on US imports.

    Watch video - https://youtu.be/8U9drRMpf2M

    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

    #WealthBuilding #SaveMoney #InvestWisely #PersonalFinance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax #debtcrisis #money #businessnews #china #kierstarmer #USEconomy #UKEconomy #GlobalMarkets #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar

    This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

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    16 分
  • Farage Slams HMOs: "Blaming Landlord for Housing Illegal Migrants and Wrecking Communities"

    Farage Slams HMOs: "Blaming Landlord for Housing Illegal Migrants and Wrecking Communities"
    2025/05/08

    Nigel Farage has once again ignited controversy, this time turning his sights on the UK’s House in Multiple Occupation (HMO) sector. Speaking out this week at a Reform press conference in Dover, Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense.

    Watch video - https://youtu.be/NKaPZj-APgw

    Farage, who could become the next UK Prime Minister according to the polls and recent local election results, argued that the rapid growth of HMOs—particularly in urban areas—is "a symptom of a failed immigration and housing policy." He criticised how private landlords and government contracts are turning residential streets into overcrowded multi-let properties, undermining local cohesion and public services.

    While HMOs can be a profitable property strategy, especially for landlords seeking higher yields, they’ve become controversial. Local residents often complain about noise, rubbish, overcrowding, parking and falling property values. Councils have responded with Article 4 directions and tougher licensing schemes.

    Is this another nail in the coffin for buy-to-let property investment, and further reasons for landlords to get out of the UK property market?

    In recent years, landlords have had to contend with:

    • Section 24 landlord tax – watch accountant explain tax and solutions - https://youtu.be/aMuGs_ek17s
    • Increased tax and
    • Increased red tape and regulation.

    Now, landlords are facing Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’. See full episode - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s

    The latest episode of the Charles Kelly Money Tips Podcast explores the truth behind these claims, what it means for property investors, and the future of HMO investments in the UK. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121

    In the next Charles Kelly Money Tips Podcast episode, I will tell you why I’m getting out of buy-to-let property after 30 years!

    There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property.

    For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net

    #NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips

    This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/
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    23 分
  • 3 Simple Steps to Early Retirement

    3 Simple Steps to Early Retirement
    2025/05/01

    Three simple steps to retiring early and financially free.

    Interview with top Broker and Financial Planner Tim Smith.

    Watch full interview - https://youtu.be/zgwmtnADPyE

    Links inks to Tim's website and online profiles:

    Website: https://www.aurorapw.com/

    Facebook: https://www.facebook.com/auroraprivatewealth

    IG: https://www.instagram.com/thefinancialdad_/

    LinkedIn: https://www.linkedin.com/in/timothy-l-smith-cfp-r-b1293443/

    US stock markets have crashed 20% to 25% since their highs in February and $10 trillion has been wiped off the value of companies worldwide in the last five days since Donald Trump announced his tariffs on US imports.

    Watch video - https://youtu.be/8U9drRMpf2M

    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

    #WealthBuilding #SaveMoney #InvestWisely #PersonalFinance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax #debtcrisis #money #businessnews #china #kierstarmer #USEconomy #UKEconomy #GlobalMarkets #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar
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    42 分
  • US Stock Markets Fall 25% - Will Trump Crash the Stock Market?

    US Stock Markets Fall 25% - Will Trump Crash the Stock Market?
    2025/04/24

    Donald Trump’s return to the spotlight and renewed talk of tariffs and trade wars has investors wondering: Will this trigger a stock market crash in 2025? As Trump vows to impose tougher tariffs on China and other countries, fears of rising inflation, global trade tensions, and supply chain disruptions are resurfacing.

    Historically, Trump’s tariff policies had mixed effects. Some U.S. industries benefited, but overall market volatility increased. The stock market reacted to trade war headlines with sharp dips and recoveries. If a new Trump trade war begins, sectors like tech, automotive, and manufacturing could feel the pinch first, while defensive stocks and commodities may perform better.

    Investors are asking: Should I sell now? Will Trump crash the stock market again? While no one can predict with certainty, smart investors diversify and prepare for volatility. Watch how China, the EU, and the Fed respond.

    Stay informed with the Charles Kelly Money Tips Podcast for weekly updates on Trump, trade wars, and how they affect your investments, retirement funds, and the global stock market. Don't forget to like, subscribe, and comment with your predictions below!

    US stock markets have crashed 20% to 25% since their highs in February and $10 trillion has been wiped off the value of companies worldwide in the last five days since Donald Trump announced his tariffs on US imports.

    Watch video - https://youtu.be/8U9drRMpf2M

    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

    #WealthBuilding #SaveMoney #InvestWisely #PersonalFinance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax #debtcrisis #money #businessnews #china #kierstarmer #USEconomy #UKEconomy #GlobalMarkets #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar
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    19 分
  • Trump’s Trade War Will Make Us All Worse Off As Stocks Tumble

    Trump’s Trade War Will Make Us All Worse Off As Stocks Tumble
    2025/04/17

    US Tariffs could lead to a trade war and a global economic slowdown, according to the OECD.

    China, Mexico, Canada and the EU have said they will be imposing reciprocal tariffs on America.

    The UK has yet to react to a “reciprocal” 10% Tariff announced by Donald Trump today in the White House Rose Garden. Prime Minister Sir Kier Starmer said a trade war is in nobody’s interest.

    Stock markets have been falling around the world putting millions of people’s savings and pension pots at risk of a correction or even a crash.

    The S&P 500 had its worse quarter since 2022.

    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

    #FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax #debtcrisis #money #businessnews #china #kierstarmer #USEconomy #GoldenAge #UKEconomy #GlobalMarkets #CharlesKellyMoneyTips #Podcast #FinancialPlanning #Investing #WealthManagement #EconomicTrends #tariffs #trump #tradewar
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    27 分