If You’ve Got Less Than £50k… Here’s Exactly What To Do First

In today’s episode, I’m challenging the way most people think about a £50,000 pot of capital and why, for so many aspiring property investors, that thinking is the very thing keeping them stuck. £50k feels like a lot of money and it is, but in the context of property, it’s also not enough to do the job most people are asking it to do.

Rather than trying to force £50,000 into a single deal and hoping it changes your life, I break down what that money should actually be used for if your goal is real scale, momentum, and long-term freedom. This isn’t about saving more, working harder, or squeezing every last pound out of one deal. It’s about a fundamental shift in how you think about capital, leverage, and growth.

🎯 What You’ll Learn

• The biggest mistake investors make when trying to “make their money work harder”
• Why capital should be judged by what it enables, not what it buys
• The myth that you need deal experience before raising investor money
• Why investors don’t fund deals
• How to reposition yourself as a delivery partner rather than a cash-limited buyer
• The mindset shift required to turn £50,000 into something truly life-changing

If you’ve saved hard, stayed busy, done “all the right things” but still feel like progress is painfully slow, this episode will challenge your assumptions and give you a completely different way to think about using the money you have.

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💻 Resources & Mentions

• 1-2-1 Mentorship: Ready to take things to the next level? Email andy@thehmoroadmap.co.uk
• The HMO Roadmap: Feeling overwhelmed? Access 400+ tools, templates, and lessons to help you start, scale, and systemise your HMO business - all in one place. Join here.
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• Social: Follow me on Instagram for daily HMO tips, advice, and behind-the-scenes updates here.