Investing In Buy To Let Property

Things to think about before investing in buy to let property

Investing In Buy To Let PropertyInvesting in buy to let property can be a way to diversify your portfolio of investments, provide regular income and potentially be a source of capital growth.

House prices increased by an average of 5.8% in the year to September 2016, meaning that residential property continued to outperform many other types of investment.

However, investing in buy to let property isn’t suited to everyone. There are risks, costs and responsibilities associated with owning a property that is rented out.

If you are considering investing in buy to let property, it is essential that you understand and are comfortable with the following points:

  • access to money – property is not a liquid asset as it takes time to access your money when it is sold
  • house prices – slower growth could mean that you don’t receive the capital growth you anticipated when you sell the property
  • profit is not guaranteed – making a profit is not guaranteed, even if your property increases in value. Property is relatively expensive to buy and sell when you consider stamp duty land tax (SDLT) and professional fees.

How does a Help to Buy Isa work?

From 1 December first-time buyers will be able to save in a Help to Buy Individual Savings Account (HTB Isa) and the government will add money to it.

Help to buy ISA

Help to buy ISA


As with your traditional cash ISA, the interest you earn will be free of both income and capital gains tax.

In addition, when savers take money out to buy a house or flat, the government will add 25% to whatever is in the account, up to a maximum of £3,000.

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