Buy To Let Property Investment
Start your property portfolio today
Buy To Let Property Investment
Start your property portfolio today
Large discounts on property
Completely transparent
Tailored investment opportunities
We’ll handle everything for you
IS A BUY-TO-LET A GOOD INVESTMENT?
Are you looking to grow a property portfolio that provides a monthly income for many years to come?
Buy-to-let properties can be a great option for this, specifically if you identify those that return a high yield. They are becoming a popular investment as people seek to earn a passive income off ever-increasing rental prices, it’s an appealing investment.
Generally speaking, buy-to-let investments are good. Property prices fluctuate regularly, but if you are looking to hold property over a longer-term then you’re much more likely to make a profit from it when you do finally come to sell it, whilst also generating a monthly income during the time you hold it.
We’ll provide you with high yield, below market value property purchase options, allowing you to maximise your monthly profit.
WHY A BUY-TO-LET MIGHT BE A GOOD INVESTMENT FOR YOU
It’s not for everyone, becoming a landlord can be a daunting experience and it’s not for everyone. If you can wrap your head around everything you need to be a landlord, then there is a lot of profit to be made.
There are several benefits to investing in buy to let properties, here are just a few of them:
- You’ll get a regular rental income
- You can generate more capital growth as the property value increases
- You can insure against loss of rental income, legal costs or damages
- You can offset costs against tax
TYPES OF BUY TO LET PROPERTIES TO INVEST IN
Commercial Buy To Let
Commercial Buy To Lets involve purchasing commercial properties, like office buildings, warehouses, or retail spaces and then leasing them out to tenants for business purposes.
House in Multiple Occupation (HMO)
HMOs can generate income from multiple tenants, which can lead to higher yields compared to single-occupancy rentals. Depending on the location, there can be high demand for affordable housing options, especially for students or young professionals.
Multi-Unit Freehold Block (MUFB)
MUFB’s can generate income from multiple tenants, similar to HMOs can generate income from multiple tenants, similar to HMOs, potentially leading to higher rental yields compared to single-occupancy rentals.
Residential Buy To Let
Residential Buy To Let’s involve purchasing a residential property with the intention of renting it out to tenants and generating income.
With a well-maintained property in a desirable location able to generate a steady stream of rental income, providing a passive income.
Serviced Accommodation
Serviced Accommodation offers a unique blend of hotel-like amenities with the flexibility and space of an apartment.
It can be attractive for investors due to its strong rental income potential, and high potential for value add.
Holiday Short Term Lets
Holiday short-term lets, often advertised on platforms like Airbnb and Vrbo, involve renting out a property for short stays to tourists and travelers.
It can be a good way to generate income from a vacation home or unused space.
Start your property journey today
Start your property journey today
WHAT TO LOOK FOR IN A BTL INVESTMENT
Have we piqued your interest?
We’ll do all the leg work for you, but before launching yourself into investing in Buy To Let property, you should know what some of the things to look for and the key factors to consider about the property itself.
This is perhaps the biggest thing to consider, the location. You need to pick a location that you’re certain you will make money on, but importantly as a landlord it depends whether you would want to be within close proximity to the property or not for on-going maintenance and repairs.
Having a good choice of local amenities and transport links will increase your chance of getting tenants and maximising your rental income.
The type of property is also important, a flat might attract a professional, where as a 3 or 4 bed detached house might appeal more to a family, which may have different degrees of ware and tear. Certain types of properties in certain areas might be easier to find tenants as well, which is something to consider.
This is obviously an important factor as it determines how much profit you’re going to be making on the property. This is the percentage figure calculated by taking the yearly rental income of the property and dividing it by the total amount invested in the property.
You need to decide whether you are going to deal with finding the tenants yourself, or instruct an agency to do so for you. You need to understand who your ideal tenant is an work towards that, as we’ve mentioned this can be determined by the type of property or the area that your property is in.
There are a few taxes that you need to be aware of when you become a landlord. You get taxed on your rental income, and when you come to sell the property you might be subject to Capital Gains Tax (CGT), however you can also offset some of the costs by claiming back on Council Tax amongst other things.
You’ll need to research and find out more about landlord insurance, there’s no legal obligation to have it, but it can be a good idea to cover some potential costs or expenses.
Ultimately as a landlord your job is to ensure that the property is safe to live in for the tenants. You’re responsible if there is any damage, even if they cause it, and you might have to replace or repair things within the property at any given time. You are also responsible for providing an EPC certificate, a how to rent guide & Gas Safety Certificate (yearly) to the tenants.
BUY TO LET INVESTMENT EXAMPLES
Have we got your interest? Well, how do you know that we’re going to provide great deals? Just take a look at some of our recent sales in the area, they speak for themselves!
Want to see more of our deals? Check out our recent deals.
Buy Refurbish Rent Refinance
Scunthorpe, DN16
House, Semi-detached Freehold
25% BMV
Yield
8.3%
- Freehold
- Driveway
- Rear garden
- Close to local amenities and transport links
- Could achieve £700 – £750 pcm
- Vacant upon completion
Buy Refurbish Rent Refinance
Scunthorpe, DN16
House, Semi-detached Freehold
25% BMV
Yield
8.3%
- Freehold
- Driveway
- Rear garden
- Close to local amenities and transport links
- Could achieve £700 – £750 pcm
- Vacant upon completion
AirBnB
Bakewell, DE45
House, Terrace Freehold
22.1% BMV
Yield
15.2%
- Freehold
- Grade II listed
- £51,000 per annum gross rental
- £200 nightly average
- 70% predicted occupancy
- RICS £420,000 in current condition
AirBnB
Bakewell, DE45
House, Terrace Freehold
22.1% BMV
Yield
15.2%
- Freehold
- Grade II listed
- £51,000 per annum gross rental
- £200 nightly average
- 70% predicted occupancy
- RICS £420,000 in current condition
Refurb to Flip
Tadley, RG26
Bungalow, Detached Freehold
45% BMV
Exit Profit
20%
- Freehold
- Refurb opportunity
- RICS value £300,000
- Strong demand from owner occupier
- Great transport links
- 50 Miles from London
Refurb to Flip
Tadley, RG26
Bungalow, Detached Freehold
45% BMV
Exit Profit
20%
- Freehold
- Refurb opportunity
- RICS value £300,000
- Strong demand from owner occupier
- Great transport links
- 50 Miles from London
Buy To Let
Bradford, BD12 7DE
House, Terraced Freehold
24.3% BMV
Yield
10.8%
- Freehold
- 4.1 Miles to Bradford City Centre.
- 1.5 Miles to M606 & M62.
Buy To Let
Bradford, BD12 7DE
House, Terraced Freehold
24.3% BMV
Yield
10.8%
- Freehold
- 4.1 Miles to Bradford City Centre.
- 1.5 Miles to M606 & M62.
Start your property journey today
Start your property journey today
WHERE IN THE UK HAS THE HIGHEST RENTAL YIELDS
We’ve looked into various areas in the UK to find the best areas for high rental yields as an overview. We offer discounts on property selling them below market value, so you can expect to achieve higher yields with our properties.
- Scotland: 4.5%
- North West of England: 4.7%
- North East of England: 3.6%
- Yorkshire & the Humber: 4.5%
- East of England: 3.4%
- South East of England: 3.4%
- London: 3%
- South West of England: 3.7%
- East Midlands: 3.6%
- Wales: 4.2%
- West Midlands: 3.9%
WHAT ELSE TO CONSIDER WITH BUY TO LET
When looking at Buy To Let properties, there are a few other things you may want to consider before investing:
Quite an important thing to consider is whether you can afford to have a second property. There could be unforeseen repairs, insurances and times when the property is vacant, which you have to be able to pay for.
There are several responsibilities that come with renting out your property, you need to ensure the tenant is safe and comfortable as well as having an up to date EPC and a yearly Gas Safety Certificate for instance.
If interest rates are increased it can have a significant increase on the amount you pay on your property investment and cut your earnings, eating into your yields. It’s always something to be aware of.
If you want to be hands on and deal with everything yourself such as personally vetting your tenants and have full control, you can save around 8-10% of your income from the rental, however this of course means that you have to spend time and money doing viewings, credit checks, legal work and more.
Now you’re hopefully here to start or expand your Buy-To-Let portfolio, however before you start you need to establish how exactly you are going to exit. You can hold your portfolio forever, but at some point you might want to sell it, which means you have to consider Capital Gains Tax (CGT) – or overtime you might opt to restructure to raise capital or reduce your loan to value.
OUR LOCATIONS
Thinking of buying a BMV property, but have a specific area in mind? To give you an understanding of just how broad your property choice is, here’s the areas where we most regularly buy BMV property…
Start your property journey today
Start your property journey today
FREQUENTLY ASKED QUESTIONS
Not to worry, we’ve pulled together some of the questions we regularly get asked and answered them for you below:
We think so! Building a Buy-To-Let property portfolio can be used to generate an income for years & then release the cash when you come to sell the property.
It varies from lender to lender, but they generally have very similar restrictions, such as:
- You must have a minimum salary of £25k a year
- You must have owned or lived in your current existing property for 6+ months
- The property has to be let under AST (Assured Shorthold Tenancies)
- Max loan to value is typically around 75% (but this varies)
Stamp duty is slightly higher when it comes to buying a second property. You can expect to pay:
- £0-500K properties (3%)
- £500-925k properties (8%)
- £925k-1.5m properties (13%)
- Over 1.5m properties (15%)
As a general rule of thumb they consider a good rental yield to be around the 7% mark.
Calculating the rental yield is fairly straight forward:
Yield = (Monthly income from rental x 12) ÷ Property purchase price
WHY INVEST WITH US?
We’ll find you the best deal, with the highest yield possible, tailored to your requirements.
We have years of experience in this industry and are part of a group of companies that regularly purchase properties for below market value, in which we can pass the discount on to yourself. We’ll look at every property we purchase, or even get an enquiry for, to determine if it will offer a high yield. If the answer is yes, we can pass the opportunity on to our investors.
We make it easy, doing all the research for you & finding the perfect property to slot into your portfolio.
WHY INVEST WITH US?
We’ll find you the best deal, with the highest yield possible, tailored to your requirements.
We have years of experience in this industry and are part of a group of companies that regularly purchase properties for below market value, in which we can pass the discount on to yourself. We’ll look at every property we purchase, or even get an enquiry for, to determine if it will offer a high yield. If the answer is yes, we can pass the opportunity on to our investors.
We make it easy, doing all the research for you & finding the perfect property to slot into your portfolio.