UK Landlord Hub

Everything you need to know about BTL in the UK

Learn more about becoming a more responsible and profitable landlord. Helping you to become an expert Buy-to-Let Landlord.

How to become a Landlord in the UK?

There are 3 core steps to becoming a Landlord in the UK:

  1. Finding and purchasing the right property
  2. Running the numbers and getting your finances together
  3. Looking after your responsibilities (the tenant)

Learn more about becoming a Landlord in the UK with SevenCapital. Watch our video with Landlord Raj Bedi who talks to potential landlords about how to get started, what makes a good property portfolio and goals you should set as a Buy-to-Let landlord.

Is now a good time to be a Landlord in the UK?

One critical thing to consider as a landlord is a potential for long term growth. Regional cities continue to dominate growth, using the momentum of redevelopment and housing undersupply to push prices further upwards. Borrowing costs remain at a record low and a relatively stable labour market is also helping to combat the impact of uncertainty.

With many forecasts also pointing at marginal rises within the London market, the so-called ‘Boris Bounce’ could mean light at the end of the tunnel for the capital, which finally seems to be recovering from its biggest decline since 2009.

Coronavirus has highlighted the volatility of stocks compared to property. It’s also had the secondary effect of demonstrating just how much investor sentiment influences the overall market, including spikes due to short-term influence and fear.

Real estate, on the other hand, is typically viewed as a much more robust asset and cited by JP Morgan as a “safe haven asset”. Over the last 20 years, real estate has outperformed the stock market by two to one, meaning investors that adopted property investments 20 years ago have made significantly better gains.

This has demonstrated two fundamentals of property: the asset is designed for long-term returns and is typically much more resistant to sudden market change that can throw other assets into chaos.

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Current Investments for Landlords and Buy-to-Let Investors...

FINAL 2 BEDS REMAINING

105 Broad Street
Birmingham City Centre
2 Bedroom Apartments, Fully Tenanted, New Build

Prices From

£249,950

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ONLY 2 BEDS REMAINING

Steel House
Slough
1 & 2 Bedroom Apartments, Off-Plan

Prices From

£369,950

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ONLY 1 UNIT REMAINING

St Martin’s Place
Birmingham City Centre
3 Bedroom Apartments

Prices From

£549,950

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NEW RELEASE

Iron House
Slough
2 Bedroom Apartments

Prices From

£369,950

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Frequently asked questions for Landlords in the UK and overseas

Should I buy property through a limited company?

While this is a question that is largely determined by your personal circumstances, incorporation is almost certainly a good choice for people that are looking to build and scale a property portfolio.

A limited company can help landlords find value through favourable tax conditions and reduce time management – vital when running larger portfolios or managing property from abroad.

Can I get a Buy-to-Let Mortgage when I’m retired?

As BTL mortgage payments are usually covered by the rental income rather than a work income or pension it is possible to get a mortgage in retirement. Lenders will certainly vary. For example, will not allow a mortgage to run past 70. A 60-year old, however, could still take out a 10-year mortgage and clear the debt by selling the property.

How much can a landlord increase rent?

Rents shouldn’t normally be increased unless agreed and the tenancy agreement specifically allows it. If the tenant is in a fixed-term tenancy, a rent review clause stops applying after the fixed term ends and the tenancy becomes periodic – this is when the tenancy automatically continues month-by-month or week-by-week until notice is given.

Landlords of periodic tenants can raise rents as long as formal notice is given, although these rises can be appealed.

What is a HMO or House in Multiple Occupation?

A HMO or House in Multiple Occupation is a property type often utilised by Buy-to-Let investors. The basic definition of an HMO/House Share is a property where each room is rented on an individual basis.

HMO’s are popular because they have plenty of scope to deliver higher rental income – a bigger property can have rooms which can be converted into bedrooms, creating the potential for more tenants and thus, more money.

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Read the latest Landlord news and property investor resources directly written by SevenCapital’s experienced research and content team.

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