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Is the Buy-to-Let market still a good investment?

eMoov predicts that house prices in the UK will see an increase of 56% during the next decade and by 2027 the average cost of a home in the UK could be as much as £347,757*, you won’t get that sort of return on your savings account!
We don’t have a crystal ball and none of this is written in stone, but if eMoov’s predictions are correct, then the housing market looks to be offering a good return on investment. However, there are many things you need to consider before entering the Buy-to-Let market.

Tax changes and potential rises in interest rates have certainly made landlords think about their investments and returns are lower than they were some years ago. But as house prices continue to see steady rises, those landlords in the market for long term gain could be reaping the rewards in the future.

Tax changes include an extra 3% stamp duty charge on second homes as well as a reduction in the amount of tax you can deduct from the interest element of the mortgage payment.

These tougher regulations have resulted in a reduction of applications for Buy-to-Let mortgages and have seen landlords investing in areas where property prices are lower or pulling out of the market altogether.

There are other costs to consider, like maintenance, buildings insurance, agency costs and contingency should the property be empty for any length of time and not producing an income.

The Buy-to-Let market could certainly be a good investment, but it’s really important to do your homework before you take the leap.

Please note the content of this blog is for guidance purposes only and does not constitute for professional advice. Contact us today at or by calling 01473 216950.

Why do I need buildings insurance?
To move or improve?

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Thursday, 28 May 2020

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