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Buy to let advice

24 replies

Hihosilver123 · 20/08/2025 15:21

I have inherited some money and want to use it to buy a flat which I will let, in London. Does anyone have experience of this and could give me any tips? I think I would prefer to buy a newer property as there would be less maintenance and I think would attract young workers. I know, however, that such a property may have a service charge. or is a period property a better investment?

I will also have to pay additional stamp duty, tax on rental income, insurance and possibly capital gains when I sell. Anything else?

id be grateful for any advice!

OP posts:
Yachtingaroundtheworldiwish · 20/08/2025 15:26

I advise you to speak to a financial advisor to consider other investment opportunities. The laws regarding rented property are changing. Have you looked into that aspect of a rental?

GingerBeverage · 20/08/2025 15:39

Not in this market. Best of luck!

GasPanic · 20/08/2025 15:43

Go and read some landlord threads on problem tennants and peoples previous experiences of being amateur landlords. There are a few on here.

TallulahBetty · 20/08/2025 15:47

This is a big commitment, setting up a residential lettings business (as that's what this is - it's not just some hobby or passive income, which some believe). There are a LOT of regulations and obligations which you need to keep on top of. Think very carefully.

Karmatime · 20/08/2025 16:19

Honestly even as a cash buyer, by the time you add in stamp duty, service charges, letting agent fees, compliance checks etc, the return is probably on a par with a higher interest savings account and certainly less than the average expected return on a stocks and shares investment portfolio over a long period.
In the past when London property prices seemed to be constantly rising it could have been an attractive option but flat prices in particular have been at best stagnant for about a decade in most parts of London and there’s no guarantee they will pick up again.
As pp has said, it’s a big commitment and there’s the risk and worry of empty periods and non paying tenants. Don’t underestimate the admin even if you appoint a managing agent.

Pharmacystop · 20/08/2025 16:21

All flats will have service charges and unpredictable maintenance charges.

TBH the fact that you're asking MN these questions suggests you're probably not someone who should be doing this. There is loads of info out there.

XVGN · 20/08/2025 16:35

Please don't. Leave LL'ing to professionals who are not emotionally attached to the property and know exactly what they are doing.

You are better off investing the money in a well diversified portfolio of funds. That will almost certainly return you a better income than letting.

LemondrizzleShark · 20/08/2025 17:19

We let a property out (because we intend to move back in eventually). It is NOT a good financial investment at present (if we weren’t planning to move back we would put it on the market tomorrow):

London flat property prices are actively falling - in the past landlords made money because the value of the property went up over time. That isn’t true any more. The value of our flat peaked in about 2018, and has fallen by about 5-10% since then. My brother’s flat is on the market, and is worth less now than he paid for it in 2014 despite being fully renovated since then.

As you mention, there is stamp duty, income tax on your rental profits, CGT when you sell.

Most councils now have, or are in the process of introducing, a register for landlords - which costs about £800-1000 to join, and mandates various safety and energy efficiency standards. So there will be a cost getting it up to standard (normal residential properties don’t need any of this).

There are the annual gas safety certs, EICR every 5 years, etc etc. Property management fees unless you are going to manage it yourself (if your lifestyle won’t allow you to respond to a midnight phone call about a broken boiler, don’t manage it yourself).

And then there is wear and tear. Tenants will not look after things like you would. Appliances will break about twice as fast as the ones in your house do.

Expect to replace the bathroom and kitchen every 5-10 years (£30k for both), the floors every 5 years (£5k), repaint every 3-5 years (£3k), assuming you want half decent professional tenants. And obviously any major works on the outside of the building - as joint freeholders, we have just been stung for £3500 for the downstairs neighbour’s basement flat damp rectification. We know we need to do work to the roof/gutters/soffits next summer, which means putting scaffolding up, which means similar costs. The boiler is 15 years old. The list goes on.

Our flat is a lovely two bedroom period maisonette in Brixton, in a very good state of repair, worth about £500k. Rents for £2k pcm. After maintenance costs, tax etc we are actually receiving about £5k per year net profit (we are additional rate taxpayers but if you are buying a BTL I suspect you are too). I’d make more than £5k leaving £500k in a current account, let alone actually investing it. As I said, we aren’t trying to make a profit, but if you are, a BTL is not the way to do it these days.

Thortour · 20/08/2025 17:27

Don’t do it. Look at different investments. If you sell you have to pay property gains and the returns are not great.
You need to have a lot of money available to manage problems like the property being empty or people not paying rent. I have a number of properties and I am looking to sell them all. Recently a family left having destroyed the kitchen after just six months. I have another property where it was rented to a mum and adult son. He never moved in they basically used his income to allow her to rent the flat. She now owes me three months rent. I sort problems quickly and this year I’ve had to replace a boiler and an oven. You are providing someone with a home and you are obliged to make sure it’s safe and habitable.I have another two bedroom flat where the couple who rented it have had four kids. So there are six people in a small flat. They make a lot of noise and it’s a constant issue but it’s their home and they won’t find another place at the same rent I charge.
I would never do this again.

Hihosilver123 · 20/08/2025 18:49

Really useful to get this on the ground information - thank you. I have let a property a while ago, but it was short-term and it sounds like more regulations have been brought in since. Looks like I might be better to look at other investments.

OP posts:
Chazbots · 20/08/2025 18:53

Yep, good move.

Need very deep pockets, especially as you will be taxed on turnover, not profit.

As my accountant bil said to me, the government really hate landlords.

Papricat · 20/08/2025 19:06

Tourist BTL incoming!

LemondrizzleShark · 20/08/2025 19:11

It’s not even the regulations honestly. If you assume you need to spend at least 1-2% of the property value on maintenance each year, but your yield is 4%, which is then taxed at 45%, you can see that the profits just aren’t there.

Wot23 · 20/08/2025 20:05

Hihosilver123 · 20/08/2025 18:49

Really useful to get this on the ground information - thank you. I have let a property a while ago, but it was short-term and it sounds like more regulations have been brought in since. Looks like I might be better to look at other investments.

yes you would be better to look at other classes of investment
.
If you are not up to date on regulations changes since your last foray into letting then you have not even begun to understand the financial return nowadays

A the big point re London lettings, property "wealth" taxes are an increasing prospect. Sitting on a property that suddenly incurs % charge above a threshold value when you are locked into getting tenants to absorb that in increased rent is not for the amateur.
Nor should the "inevitability" that CGT rates on property are a soft target for tax increases be ignored. Politically easy to raise tax that does "not" impact the working class. CGT harmonised with income tax rates will crucify the London property market with a jump from 24% to 45% tax on the gain since many London BTL are based on capital growth being the real basis of the investment, not income return net of income tax.

and I second the comment from someone above that MN is not the place to be seeking info on BTL.

Wot23 · 20/08/2025 20:10

Chazbots · 20/08/2025 18:53

Yep, good move.

Need very deep pockets, especially as you will be taxed on turnover, not profit.

As my accountant bil said to me, the government really hate landlords.

tax on turnover is only relevant if the investment is highly geared due to borrowings

if purchased for cash (OP seems to imply it will) then you are taxed on profit, not turnover.

DrySherry · 21/08/2025 12:25

Rachel Reeves seems to be focusing on how to extract extra tax income from multiple property owners. I would be waiting to see how the next budget changes things. Carry on earning interest until then

Icanthinkformyselfthanks · 21/08/2025 12:29

@Hihosilver123 , I’ve been a landlord for many years and have several properties. My sincere advice would be don’t do it! Put your money in a stocks and shares ISA.

Hihosilver123 · 21/08/2025 13:01

Wot23 · 20/08/2025 20:05

yes you would be better to look at other classes of investment
.
If you are not up to date on regulations changes since your last foray into letting then you have not even begun to understand the financial return nowadays

A the big point re London lettings, property "wealth" taxes are an increasing prospect. Sitting on a property that suddenly incurs % charge above a threshold value when you are locked into getting tenants to absorb that in increased rent is not for the amateur.
Nor should the "inevitability" that CGT rates on property are a soft target for tax increases be ignored. Politically easy to raise tax that does "not" impact the working class. CGT harmonised with income tax rates will crucify the London property market with a jump from 24% to 45% tax on the gain since many London BTL are based on capital growth being the real basis of the investment, not income return net of income tax.

and I second the comment from someone above that MN is not the place to be seeking info on BTL.

Edited

I think I’m getting quite good advice from Mumsnet. A clear message - don’t do it! Reason why also given which have been useful.

I will of course be consulting my financial advisor and accountant re this money, but just wanted an initial idea from people who have done this.

many thanks for sharing your experiences.

OP posts:
Chazbots · 21/08/2025 13:16

I've been a landlord for 25+ years...I'm not a bad person to ask and there's a few of us on here with lots of lived experience. 😊

mondaytosunday · 21/08/2025 13:26

After service charges maintenance can be very high. All my profit from one flat one year went to pay for repainting the building. There’s capital growth to factor in of course - I had one house for two years which went up £100k in that time and the rent covered the mortgage and stamp duty so not a bad return even after accounting for capital gains tax - it was a 25% increase on investment in two years. But things are pretty flat currently.
Your ROÍ is crucial.

Theyreeatingthedogs · 21/08/2025 13:48

I was a landlord for 20 years. Got out a couple of years ago. I wouldn't recommend it nowadays. Too much regulation and it's going to get worse. Invest the money in a world tracker ETF and use your ISA allowance. You will sleep at night.

MarieG10 · 21/08/2025 13:48

I speak as an experienced landlord who is currently divesting a portfolio. I strongly advise you to not go into letting. The environment now from government is utterly hostile but in legislation and tax treatment.

we have done very well over the years and prided ourselves in being responsible landlords. Our properties we built up were all high standard and repairs always carried out quickly. We have had many long term and very happy tenants who sadly for some are ending up being made homeless. We have tried to wait until they were leaving but some we have had to give notice to (9 months to help them ) but the rental market is now a disaster with huge numbers chasing each property, because supply is crushed to to this hostile environment.

So suggest you get some advice for various investment funds but suggest you look more for Europe and North America, not the U.K.

hellomoneyrc · 22/08/2025 11:25

BTL is becoming less and less attractive with both additional expense and regulations. If you have the funds for a network of properties that can still be lucrative with scale but the days of doing well from owning/letting a single property are long gone.

BTL mortgages are also being refused at a pretty high rate right now - there's been a 53% drop over the last year in BTL mortgage approvals...

I'd look at investing that money in the stock and shares via an ISA if possible (to protect your income from tax), and investing some of it in a REIT or Housemartin via their IFISA if you'd like exposure to the property market.

InveterateWineDrinker · 22/08/2025 14:17

Run for the hills, When you stop running, learn about the stock market and passive investing there.

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