buy to let UK 2026
Buy to let is the foundation strategy. Boring is profitable. You buy a property, rent it out, collect monthly income, and let time and use do the heavy lifting.
Steady Monthly Cashflow
Start with motivated sellers. Not estate agents' stock. Use our data to find off-market opportunities where you can negotiate. Better pricing means better yield from day one.
Long-Term Wealth Compounding
Model before you move. Our calculator shows you gross yield, net yield, cashflow, and mortgage serviceability. If it doesn't stack, you walk. If it does, you move fast.
Tax Advantages & use
Manage the pipeline. Track every prospect, every offer, every follow-up. Our software gives you visibility so you can scale without losing deals in the noise.
Find motivated sellers fast. Our motivated seller data cuts through the noise. You see properties before they hit Rightmove, which means better pricing and less competition.
Know your numbers instantly. Use our BTL calculator to model cashflow, yield, and debt service. 60 seconds to assess if a deal stacks. No spreadsheet wrestling.
Build your pipeline systematically. Track leads, make offers, and follow up without dropping balls. Our software keeps your momentum going when others lose focus.
James T. - Property Investor, 4 BTL Properties
Find off-market deals
Use motivated seller data to identify properties before your competitors. Target areas with yield but no hype.
Run the numbers
Model cashflow and yield. Know your target: 6-8% gross yield minimum, positive cashflow after all costs.
Scale systematically
Build your pipeline. Track offers, follow-ups, and completions. Each deal funds the next one through equity and cashflow.
What yield should I target? Minimum 6-8% gross yield after costs. In hotspots like London, you might accept 4-5%. Outside the South, push for 7-10%.
How much capital do I need? 20-25% deposit for standard mortgages. With a guarantor or gifted deposit, you might go 15%. Some lenders go 10% for BTL but rates are higher.
How do I handle void periods? Budget 4-6 weeks between tenants. Price your target cashflow to cover this. If a property can't cashflow with a 4-week void, it's not a deal.
Should I use a letting agent? Yes. Manage your own and you're working for that property's cashflow, not building a business. A good agent costs 8-10% but frees your time to find more deals.
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