Gil and Bricks

Gil and Bricks I'm on a mission to help normal people build a property portfolio that generates income so they can work less and have a huge retirement pot.

We help UK investors buy, refurb & refinance property

See how it works 👇

Mate of a mate. "Safe investment." All the right words.💔 Gone. Every penny.The banks covered £85k back then. I had £100k...
24/01/2026

Mate of a mate. "Safe investment." All the right words.

💔 Gone. Every penny.

The banks covered £85k back then. I had £100k sitting there. Lost £15k just from the gap in protection.

💯 Spent years rebuilding. Learned the hard way what protection actually means when the worst happens.

🤣🤣🤣 December 1st changed everything—FSCS raised the limit to £120k per person, per institution.

✅️If you've got more than £120k in one account, you're exposed. Split it. Different banks, different coverage.

This isn't financial advice—I'm not your advisor.

👉 But I know what it feels like to lose money you can't afford to lose because you didn't know the rules.

Check your accounts. Takes 10 minutes.

💪Don't learn this lesson the way I did.

Cheers, Gil

TIME TO LEVEL UP!

I swear on my tortoises life that I don't give a F£%&! About money!I want money, because I want to create a life where I...
22/01/2026

I swear on my tortoises life that I don't give a F£%&! About money!

I want money, because I want to create a life where I don't need to worry about money.

We all do

Plus, I want to create something and see what I can achieve in the 2 decades left before I die.

Think for yourself.

DON'T TRUST ME!!!!!!!!

DONT TRUST ANYONE!!!!!!!

IF YOU CANT WAKE UP AND GO TO TO THE GYM BEFORE WORK CONSISTENTLY- YOU CAN'T EVEN TRUST YOURSELF TO DO THE RIGHT THING- FOR YOU!¡!!

I'd ANYONE.....EVER..... tells you ANYTHING....

Take it onboard - then do your own research.

I found out the hard way because I wanted to believe... that people have a moral compass.

Now you can believe me, but I wouldn't but I'VE LITERALLY - just told you not to.

Trust gets built over a long period of consistency

PROTECT YOURSELF GUYS!!!!

NOBODY CARES ABOUT YOU.

MAKE SMART DECISIONS... and anyone who shows the slightest red flag - BLOCK BLOCK BLOCK

HONEST ADVICE- TIME TO LEVEL UP LOSERS! ❤️

Cheers, Gil

💯 Who remembers the film Scarface?And what Al Pacino saw on an advert?"THE WORLD IS YOURS"Bur nobody's going to give it ...
21/01/2026

💯 Who remembers the film Scarface?

And what Al Pacino saw on an advert?

"THE WORLD IS YOURS"

Bur nobody's going to give it to you.

There's no such thing as luck

You have to make your own luck.

cheers, Gil

TIME TO LEVEL UP 💯

30/12/2025

How To Manage Your Schedule Like The Top 1% Of Real Estate Investors 📅

Follow for more time management tips from an expert real estate investor with a £1.1m portfolio!

29/12/2025

House BRRRR Number Breakdown! 🏚️🏠

Purchase & Fees → £95,000 + £4,800 pre auction fee
Ledgals - £1400
Stamp duty @ 5% - £4750
Renovation Costs → £42,500
Holding Costs → I had an expectation from the council for council tax during the refurb. Just utility bills - approx £500

Total Cash Investment → £148,950
Remortgaged (Refrinanced at 75% LTV → £215,000 - 25% = £161,150

ALL MONEY OUT DEAL - Gross Profit → £12,200
Rented immediately for £1050

Mortgage Payments + House Insurance £590

Monthly Rental profit Gross (not including agents fees) - £460 for the next 30, 40, years until im DEAD.

Not including the rental increases during that period (in between tenancies)

I got free legals with my refinance included in the mortgage product from Shoorbrook.
Broker fee £600 (from memory?)
And mortgage product was included in the new mortgage as “debt” (Approx £3500)

Follow if you actually want the honest truth about what you’ll really spend flipping a house.

28/12/2025

5 Types Of Homes To Never Buy In The UK If You Don’t Want To Go Broke 🤯

1️⃣ Retirement Leasehold Flats
Look safe, right? Wrong. These lose value fast thanks to sky-high service charges and resale restrictions. Always check resale history, if most sell for less than the original price, just walk away. Only touch these if it’s for yourself, not an investment.

2️⃣ Shared-Ownership Apartments
Sounds cheap, but the rising rents and massive service charges will kill your returns. You can’t easily sell or remortgage until you “staircase” (buy more shares), which costs even more. Can’t own 100% within 5-7 years? Skip it, simple as that.

3️⃣ Coastal or High Flood-Risk Homes
Flood-risk properties are a nightmare: hard to insure, expensive to cover. Check the Environment Agency flood map before bidding. Zone 3? Expect headaches and poor resale. Stay away from cliffs, riverbanks, or “managed retreat” areas.

4️⃣ “Fleecehold” Freehold Houses on Private Estates
Yes, they say “freehold,” but you’ll still pay estate charges for shared roads or gardens. No cap. Fees rise every year and make selling tricky. Ask for estate accounts and fee history. If charges up over 10% in 3 years, then walk. away.

5️⃣ Micro-Apartments & High-Charge New Builds
Tiny flats with fancy gyms and concierge services might sound posh, but service charges eat your profit. Resale demand is low, first-time buyers and families aren’t biting. Check net yield after charges; under 4% in most cities? Then don’t touch it.

If you’re considering one of these properties, follow for honest advice on the right way to invest in real estate!

27/12/2025

You’re Here To Watch Me Run A Million Dollar Real Estate Business, But You Have No Idea Who I Am 🫢

Follow for no-BS advice on how to invest in real estate the right way!

26/12/2025

The Truth About Remortgaging 📌

Follow before I start charging rent for all these free remortgaging tips

25/12/2025

Who Will Have More In 5 Years? 🤷

The broke investor ended up bankrupt while the millionaire investor used smart decisions and ended up with a net worth £1M+

Follow to learn exactly how to make money investing in real estate, without all the BS.

24/12/2025

Last Year, I SCALED My Business To £1.1M, Here Is Every Business Idea I Tried Before My Big Win 🏆

Follow for tips to invest in real estate the right way.

23/12/2025

6 Home Upgrades With The Highest Return On Investment 💰

Follow for more proven advice to help you invest the right way

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Teddington

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