Is Buy To Let DEAD In 2025?

Is Buy To Let DEAD In 2025?

Is buy-to-let property investing coming to an end in 2025? With new regulations, rising costs, and market challenges, many are questioning the future of buy-to-let. In this video, we explore the key issues and whether this is the end for landlords. Watch now for expert insights and analysis. Don’t forget to like, comment, and subscribe for the latest property updates!

Let me know your thoughts, comment below, any questions also post them below.

USEFUL

CONNECT WITH JAMES ON SOCIAL MEDIA:


Videos

Programs

Still not subscribed click here now

#propertyInvesting #propertymarket #housingmarket

[johntheaccountant]

As an accountant, you should buy each property in a separate limited company.
If you want to offload a property to someone else that wishes to operate a BTL business; then you only have to do a share transfer of the company shares which would avoid Stamp Duty.

[jazeroth]

We have at least 4 more budgets to go through under labour. Do you really think they will leave the landlords alone anytime soon? Nope, not a chance!

[Husheana]

Hi, I recently subscribed to your channel and I'm really enjoying the content. I have a question: If I already own a property in my personal name with a residential mortgage, is it worth transferring it to a limited company when I remortgage to buy-to-let, considering there will be stamp duty and possibly capital gains tax? Alternatively, would it be better to sell the property and then buy through a limited company?

[allykhan]

Renting will now be only for the Rich. No landlord will rent to long term renters (families) who will act as demi owners and Dictate Terms. Personally my tenants need to show savings of a minimum.of £50k to qualify and combine income of £120k.. i will never be a landlord of properties that are less £4k rent a month, it attracts problems. Rich tenants are just passing thru, cause less problems.

[D-zh]

It would be very useful if you would do a video on CGT. In view of moving into houses previously rented out. There seems very little information out there and I suspect the rules differ marketedly as to whether you've previously ever lived in a property or not. Information available for the first scenario, but not really the second. Seeing that is that many landlords are looking for the best way of reducing now their portfolios.

I think you are right, there's still money to be made albeit with more pitfalls and challenges. The trouble is, we all see rules being at various stages of becoming law such as abolisthing section 21, minumum rental term of just 2 months, EPC changes (i, , e frequency as well as minumum C) and ombudsman proposals. All these us landlords can easily see are so obvously deeply flawed ideas and are actually unecessary obstacles for those that have always offered a fair deal for tenants. Just makes you wonder seeing policy makers are so out of touch business wise, when will that final straw be reached and even being super cautious with tenant selection, still won't make it work. Cheers for great content

[glasgowscorsese]

According to right move this Boxing Day was a record for for listings. Over a third (35%) of homes listed for sale were smaller, typical first-time buyer type properties. Looks to me like a lot of landlords selling up.

[youtubeman]

It’s over for me, I’m not buying anymore, I’m sticking with what I’ve got and retiring, I’ve had 5 calls just today people looking for a house to rent, but the government have stopped me, in my tracks, they are having no more stamp duty off me, or a better name is landlord rip off tax, I used to live for the btl game but not anymore the gov has wrecked it,

[glasgowscorsese]

5% interest from the banks has killed buy to let as investment for people sitting on cash. eg. You invest 100k in buying a small flat outright. Say you buy really well and manage to get £725 a month rent. Say you cut out letting agents, accountants and all tradesman you may need and try and do most of the work yourself. Will still have bare minimum costs of £100 a month (insurance, building factor). Down to £625 a month (in reality it will be less). if you have a handful off properties your tax will be about 20%. So now we are down to about £500 a month. Keep your money in the bank instead of buying a buy to let and you get £4900 a year in interest. if its in a cash isa you get to keep the £4900 . So £6000 at very best from your buy to let with potentially a lot of work in that year. Or £4900 with your money sitting in a cash isa. So all that hassle for £91 a month more than you get from the bank. Buy to let was only worth it for cash investors when interest rates were about 0.5%.

[lhefe]

Hey James, I know you mentioned you have property in Hastings, do you have any contacts from any housing bodies that are looking for properties to rent from private landlords?

[TigerLilly-chue]

Great content - as always, thanks. I think it’s safe to keep just one or 2 rental properties in personal name, work part-time as long as you’re under the £50k bracket for 20% tax…

[huna]

It’s good to put context on these things
This whole property thing was a 20 year phase that’s at an end for a few decades at least to come
One could argue a once only phase
Sadly now in the UK it was added to our GDP the value and work etc which not all bad of course and plenty good
But those low savings etc also meant a generation of property investing and now we’re TRILLIONS short of capital investment into 21ST industry and manufacturing and infrastructure….we didn’t know we were destroying ourselves in many ways as it was good stories in boozers and chic party chat
Again plenty good but life’s a trade of lol

[jakemiddleton]

What do you think to the Croydon rental market, rents have exploded in the last 4 years - 1 bed flats rented for £900pm and now its £1400pm

[michaeltaylor]

What about retirement flat strategy?

Loads in Caterham available at very low prices

[RRedmondiy]

Brrr is it worth paying a company to source and do this? I work full time and can’t travel 2-3 hours to an area where properties are like 100k.

[CodenameKolibre]

How many times . Cutting bank base rate does not mean mortgage rates are going down

Go and look at 10 year gilt. There is too much debt and no one wants it !

[hammerfm]

Is this tax on gross rent for private landlords already in place or is it going to come? I cant find any info on this on the internet

[johngotti]

In this day and age, I've stayed with commercial property. It's much more fun, better tenants, higher yields and far more value add opportunities.

[CodenameKolibre]

New builds are actually cheaper than second hand at the moment.

[glasgowscorsese]

Wait until the law changes in England with reference to notice period tenants need to give. Since the minimum tenancy of 6 months was scraped in Scotland there has been a big change. Tenants moving around at the drop of a hat. Think on that. New tenancy agreements every few months. New inventory every few months. Tenants banging the walls every few months moving in and out. It's a clusterf!ck.

[pmtilbury]

It isn’t dead but it’s becoming much harder with all the new regulations and tax inefficiencies. For people who are capable of buying low and refurbishing and prepared to take risk like yourself James it’s certainly not dead. Also worth noting it’s extremely difficult to exit - I tried selling a house for the last 3 months and no joy. Also for many people who own in their personal name it’s not worthwhile selling due to the capital gains tax so better just to mortgage up and keep. So most of us are stuck in the game and need to make the best of it. Good luck to everyone for 2025!