Vanmark Financial Services

Buy to let Property

Buy to let Property 

Ultimately, owning a buy to let property is an investment and one that has the potential to generate both an income and a capital gain. A buy to let mortgage lets you borrow the money you need to buy the property; the rental income generated then goes towards meeting the mortgage repayments.

It’s not always guaranteed income and there’s a lot of work involved … but if done right, it can become a successful long-term investment.

If you’re considering investing in a buy to let property, think about what you want to achieve from it. Are you more interested in generating an income or capital gain? Is it to supplement your pension in retirement? Having a clear strategy will help you make the right decisions.

A beautiful woman thinking about a buy to let property

So, is a buy to let a good idea?

Here are some things to consider.

  1. The current state of the housing market
  2. The latest and best deals on buy to let mortgages
  3. Falling in love with a property you’d love to live in yourself. The number one rule here is that your property needs to meet the market requirements and match the desire of your target tenant.
  4. Furnishing the property with second-hand furniture or hand-me-downs. There’s a high chance these will breach the furniture and furnishing regulations.
  5. Buying a property that needs a heavy makeover or ongoing maintenance. Large gardens, old roofs, vintage interiors – they all require a lot of upkeep … and do little to enhance your rental value.
  6. Leaving the property under the supervision of a friend or relative while on holiday. Your tenant relies on you to respond to problems immediately – they’re paying you for that service. Therefore, a lot of landlords go down the letting agent route, so there is always a reliable contact looking after the investment.
  7. Failing to secure a tenant’s deposit in a government deposit scheme. This can leave you exposed to the tenant prosecuting you for a much higher value than the deposit’s worth.
A traditional red brick British house with bay windows. A perfect buy to let property.

Some must-dos for successful landlords

  • Stay longsighted. Your investment is long-term here and the benefits can be great. It is not a get rich quick scheme.
  • Work out a reasonable rental fee that not only covers your mortgage repayments but also any fees you’re paying in relation to the management of the property (i.e., paying a letting agent). On top of that, account for your own profits – some of which ought to be banked to cover any repair costs which may crop up. Our calculator can show you how much rent you should charge.
  • Invest in your kitchen and bathroom to ensure they’re both at their affordable best. These are the main rooms a tenant will look for when choosing a rental home – because they’re not going to invest any money into these rooms themselves.
Let us help you achieve your property goals.

Work With Vanmark

If you are embarking on your first property project or adding property to an existing portfolio or considering refinancing let us work with you to achieve your goals.

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