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💰 How Much Money Do I Need to Start?

When you’re analysing a potential property investment, the numbers might look great on paper.

Recently, Rightmove published a topic about ‘5 years on from lockdown: what’s changed in the housing marking?” Let’s take a look at what it means for property investors.

The UK property market is set to undergo a major shift in April 2025, as significant changes to the Stamp Duty Land Tax (SDLT) will take effect. These changes will primarily affect landlords, buy-to-let investors, and second-home buyers, with implications that could ripple through the rental market. Here’s a comprehensive look at what’s changing and how it may impact landlords and tenants alike.

The Renters’ Rights Bill has passed its second reading in the House of Lords and is now moving to the next stage—committee review. This is where the bill will be examined in detail, and members will have the opportunity to suggest changes (amendments). The committee will then vote on whether to accept or reject each proposed amendment.

This bill is one of the most significant overhauls of the private rental sector in more than 30 years. During the second reading (on 4th February 2025), several cross-party amendments were suggested. Some members of the House raised concerns about finding the right balance between protecting tenants and ensuring landlords can continue providing housing.

Landlords continue to invest in properties despite recent increases in stamp duty on additional homes, according to Landbay.

On February 13th and February 28th, we will be hosting two talks in Reading and Wokingham with Cupcake Mortgage. We’ll be sharing tips on how to invest in property in the UK and how to apply for property mortgages in the UK.

The UK buy-to-let market is facing challenges with slowing rental growth and increasing regulations, but landlords can still earn a good return. Benefits of property investing have been affected by slow rental growth, tax relief restrictions, and increased regulations like the Renters’ Rights Bill. This has led some landlords to consider leaving the market.

London has emerged as the fastest-growing buy-to-let market in the UK, earning the title of the nation’s buy-to-let capital. New data from insurer Simply Business reveals a 13% rise in new landlords taking out insurance policies between 2023 and 2024. This marks a sharp rebound from the previous year’s modest growth of 4.11%.