13/05/2026
In 2010 you could have bought a £162,000 property with a £40,500 deposit at 75% LTV.
That same property is worth approximately £270,000 today.
Your deposit did not grow by £108,000. Your deposit was £40,500. But because you owned the full asset, you earned on the full asset. The entire £108,000 in capital growth belongs to you. Not just your share of it.
That is a return of over 260% on the money you actually put in. Before a single month of rent is counted.
A savings account earning 2% on £40,500 over the same period gives you roughly £57,000. The leverage position gives you £148,500 in total value and over a decade of rental income on top.
This is the fundamental difference between saving and owning that most people were never taught.
In a savings account your money earns on itself. In property your money controls an asset worth far more than the deposit and you earn on all of it. The bank takes the mortgage risk in exchange for interest. The growth, the rental income and the equity are entirely yours.
Most people spend their whole lives putting money in accounts that earn on the deposit. A very different group of people learned early how leverage actually works. We have been teaching it for over ten years.
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