r/PropertyInvestingUK

Hi. I’m after advice for my dad who is keen to invest his savings in a property for steady retirement income.

Situation is -Cash £200K
- Region: NorthWest
- No other properties under his name
- Not looking for a mortgage
- Keen to achieve high ROI
- Happy with short or long term rents
- Not interested in stocks or house flipping

I have explored the new renting rules

I wanted to ask what the best strategy is. Any advice is appreciated

- Flats vs houses
- recommendations on areas
- Are government backed properties a good options e.g. resales, 25 yr long deal
- Other suggestions

Many thanks

I built a simple dashboard for landlords to track compliance across multiple properties – EICR, gas safety, EPC, etc.

What it does:

• One view of all compliance items across your portfolio
• Shows status: Overdue / Due Soon / Compliant
• Tracks last completed date + due date
• Compliance score (% of items compliant)
• Estimated annual financial exposure for overdue items
• automatic reminders

is this something that people would use?

The time has come to renew the mortgage on our buy to let 1 bed flat, which we bought for £215,000 in 2017. We got in touch with the estate agent, who says the asking price is £200,000 and that, with any luck, we’ll get £190,000. There are another 20 flats in the area with the same features and specifications going for £190,000.
It’s currently let out, and after taxes we’re only making £50 a month. Which resulted a terrible investment.
But would it be better to renew the mortgage for two years and wait for the market to pick up, hoping to at least sell it for the same price we bought it for? Or cut your loses and take the equity to shares or toward our own home mortgage?
TIA for any advice.

I don’t want to end up somewhere that’s cheap for a reason with no long term upside.

Hi everyone

I have been to few free property course events. I just want to understand from people here are they worth it. And if some if them are is it possible to get the recorded video from someone who has already used it as I am just starting out and keen to learn.

Thanks

Hi all,

Looking for some advice

I’m earning around £1,600–£1,700 net per month (paid weekly) and I’m trying to get onto the property ladder but my goal is buy to let, not buying a place to live in.

From what I’ve worked out so far:
- I’d likely be able to borrow somewhere around £90k–£110k
- I know I’d need ~25% deposit for BTL
- So realistically targeting properties around £90k–£120k

The issue I’m running into is location.

A lot of advice points to places like the North (Middlesbrough, Sunderland, etc.) for better yields, but honestly… that feels too far for me. I’d prefer something I can get to within about 1 hour (max 1.5h) - mainly for peace of mind as a first property.

I’m based in Banbury, so I’ve been looking at areas like:
- Northampton / Wellingborough / Kettering
- Coventry / Nuneaton
- Maybe parts of Birmingham

My goal isn’t massive profit — I’d be happy with:
- Mortgage covered
- Small monthly cash flow (£100–£200)
- Decent tenant demand

A few questions:

1. Am I being unrealistic trying to stay within commuting distance for a BTL?
2. Are the areas I mentioned actually viable for ~6–8% yields?
3. Would I be better off going cheaper/further out for my first deal, even if it’s uncomfortable?
4. Any tips on managing a property remotely vs wanting to stay local?

Thanks in advance 👍

Is anyone open to starting a software company that helps landlords manage their properties, especially smaller landlords who'll need to navigate all the changes coming with the Renters' Rights Act?

For context, I'm an experienced software engineer based in London and I'd love to partner up with someone who has connections and a deep understanding of the property space, assuming there's even a market for this. I have a rough prototype/idea of what it could look like, but from my experience an idea without a market is just an idea.

I'd prefer someone also based in London but anywhere in the UK is fine. So my questions are twofold: is there a market, and if yes, is there someone with a good network and ideally some distribution/sales channels who'd be up for partnering?

Every single one of my fixed term ASTs has automatically converted to a rolling periodic tenancy under the new Act. Should I be rushing to serve a Section 8 for those minor arrears I was ignoring, or if the new mandatory grounds for moving back in are actually solid enough to rely on? I noticed the notice periods have basically doubled for everything. Is anyone else feeling like they’ve lost total control of their portfolio, or am Ijust overthinking everything?

In the past few days it has been confirmed that landlords will have to pay £500 to mount a challenge to a fine from the council.

The fees come from the First-tier Tribunal (Property Chamber) Fees (Amendment) Order 2026. The Order introduces a £200 application fee plus a £300 hearing fee for financial penalty appeals.

Is that really a just and equitable position? If a council issues a fine that they should not have and a landlord challenges it and wins they are still £500 out of pocket. And they can't recover those costs except in the most exceptional circumstances. Is that the basis of a "fair" system? We don't think so.

I went into this thinking getting approved for the mortgage would be the stressful bit, but honestly, dealing with renovations, trades and delays has been far more draining. Every timeline seems to double the second work starts. Feels like half of property investing is just learning how to manage constant unexpected problems without losing your mind.

Hey all! I’ve been going to these webinars where I’m getting sold a £15k course, just wondering if these are worth it, and if not - where is the best place to start? :)

For some backstory, local Personal Trainer who’s been saving for a while. I do have some money back but potentially not enough for a buy to let, they’re all explaining a lot of strategies but I’m wondering if some investment from one of my clients to get my first buy to let could be a better option.

Sorry to bother!

I’m looking to get into UK property investing and I’m currently trying to learn the space properly before jumping into anything.

I’m especially interested in buy-to-let, BRR/bridge-to-let, tired landlord situations, quick-sale opportunities, deal sourcing, and how investors actually assess whether a deal is worth pursuing.

I’m not pretending to be experienced. I’m at the early stage and trying to understand the real problems investors, landlords, sourcers and property professionals deal with day to day.

I also have a couple of useful angles around me. My partner has an accounting background, so the numbers side interests me a lot: cash flow, refurb assumptions, tax awareness, investor packs, deal analysis and proper record keeping. I also know someone who can help with tech/AI, so I’m curious whether there are pain points in property that could be improved with better systems, automation or AI.

For people actually active in UK property, what are the biggest headaches or weak points you still deal with?

For example:

- finding genuine deals
- checking sold comparables
- estimating refurb costs
- rental demand/rent estimates
- bridging/refinance numbers
- landlord compliance/admin
- Making Tax Digital/bookkeeping
- quick-sale lead qualification
- poor quality deal packs from sourcers
- tenant issues or maintenance tracking

I’m not selling anything. I’m trying to learn, understand the market properly, and see whether there’s a useful problem I could help solve while building towards investing myself.

Any honest advice from landlords, investors, brokers, sourcers, builders or anyone active in UK property would be appreciated.

Feels like a lot of the older advice around investing doesn’t quite work the same way anymore with current borrowing costs and yields.

Hi all, my SPV company owns a converted flat in a house. The SPV owns 100% freehold title and this flat hasn't a lease yet. I want to do below at same time, what would be my stamp duty liability?

1. Transfer 1% of freehold share to myself as an individual;
2. Grant a new lease to the SPV.

The value of the flat is 500K. No mortgage.

The deepest free public-record report on every UK address.
The public record about a UK property is normally scattered across 30+ government websites. Police data on one site. Land Registry on another. Ofsted, deprivation, flood risk, EPC, offshore ownership- each in its own corner of gov.uk.
Truely does the joining-up. Nineteen editorial sections per postcode, every figure traced to its official source.

Free. No paywall. No analytics. No trackers.

Try any UK postcode at truely.uk ↗️

🏷 #UKProperty #PropertyData #FirstTimeBuyer #OpenData #LondonProperty #MovingHouse #BuyingAHome #PropertyResearch

This is probably a bit of a stretch but I stay in and around Leicester/Leicestershire and I was wondering if there was any landlords that would accept £91-£115pw in rent for a property- I struggle with anxiety and have been sofa surfing since 2024 the council only deems me as band 3 so I’ve been on the housing register the whole time too - I just need my own place - if there’s any landlords that have a property even if it’s not in the best condition (to an extent) I’m happy to fix it up myself in return for a no deposit policy - the housing system is failing and I just hope there’s a few good people out there

I’ve been looking at Manchester and Liverpool for the last few weeks trying to find something that actually stacks up. Everyone talks about the "Northern Powerhouse," but between the Renters' Rights Act compliance costs and the current rates, the numbers feel tighter than ever.I’m seeing a lot of 4-5% yields dressed up as 7% on Rightmove once you actually factor in the new EPC requirements and management fees.

Is the "Buy North" strategy still the move for 2026, or are people pivoting back to the Midlands or even looking at high-end HMOs to make the math work?

Would love to hear from anyone who’s actually closed a deal in the last 3 months. Where are you seeing the best value right now?

The thing that only becomes obvious after you have either done it and been glad you did or skipped it and paid for it later. The step that separates people who treat property investment as a business from people who treat it as a property purchase.