The stuff we get asked over and over. If there's something you need that isn't here, ask us directly.
We offer residential buy-to-lets, specifically new builds purchased off-plan that are not yet on the open market, with developments across the UK.
Our investments start from £120,000. Once you factor in a 25% deposit and purchase costs like legal fees, broker fees and stamp duty, that works out at roughly £40,000 of cash required, which is our recommended starting point for most investors.
It can be. Buy-to-let remains popular for investors seeking passive income from rental payments. Property values fluctuate, but if you're holding for the longer term, you're more likely to generate a profit on exit while earning monthly income throughout.
It won't suit everyone. If your timeline is short, your finances aren't stable, or you need quick access to capital, property may not be the right fit. We'll say so if that's the case.
A few worth mentioning:
It depends entirely on your goals and budget. The properties we sell are determined by location and expected yield. If you're unsure which is right for you, get in touch. We'll walk you through our market view and help you narrow it down.
Yield is the percentage return from rental income relative to the purchase price. It shows how much the property earns you annually.
Capital growth is the increase in property value over time, realised when you sell. Most investors care about both, weighted differently depending on their strategy.
We usually recommend purchasing with a mortgage because it allows your capital to be spread across multiple investments, typically leading to a greater return in the short and long term. That said, there are excellent cash-purchase opportunities too. It depends on your financial position.
Lender requirements vary, but as a general guide:
It depends on where and how you invest. A strong yield sits between 6-7%. Student properties can push higher; the UK yearly average is around 7.8% according to Knight Frank. Do your due diligence before committing.
Whatever the projection looks like on paper, remember that past performance isn't a guarantee of future returns. Every deal should stack up on its own merits.
Yes. All investments carry risk. Property is among the more stable assets you can hold, particularly when bought below market value with a defensible yield. But values can fall, tenants can default, and rates can rise. Buying carefully reduces risk. It doesn't eliminate it.
A furnished buy-to-let typically rents faster and achieves a higher monthly income. Many of our off-plan new builds come sold fully finished, which removes the hassle of furnishing from scratch.
Location is everything. Good amenities and transport links increase your chances of finding suitable tenants and maximising rental income. New-build buy-to-lets are always in demand.
Then there's rental yield, the percentage you get by taking annual rental income and dividing it by your total investment. If you'd like to talk it through, we'll happily do that on a call.
The Renters' Rights Act is the biggest shake-up to the private rented sector in decades. For landlords in England, the headline changes include:
It's a major piece of legislation. We help clients structure investments with these changes in mind so the numbers still work under the new regime.
Section 24 of the Finance (No. 2) Act 2015 changed how landlords are taxed on mortgage interest. Previously, private landlords could deduct mortgage interest as an expense before calculating tax. Since its phased introduction completed in 2020, individual landlords can no longer do that.
Instead, you get a 20% tax credit on mortgage interest, regardless of your marginal rate. For higher-rate taxpayers, this effectively increases the tax on rental income significantly.
Section 24 doesn't apply to properties held in a limited company structure, which is one reason many portfolio landlords buy through an SPV.
We're not qualified tax advisors. Always seek independent professional tax advice before deciding how to structure an investment.
A long-stop date is the contractual deadline by which an off-plan development must reach practical completion. If the developer misses this date, the buyer has a right to rescind the contract and recover their deposit.
It's one of the most important clauses in an off-plan contract. A properly drafted long-stop protects you if construction runs significantly behind schedule. We make sure clients understand the long-stop date on every contract we present.
Yes. All the buy-to-let developments we bring to clients are built with an NHBC warranty (or equivalent), which typically covers any major structural defects for 10 years from completion.
You can use your own solicitor if you prefer. If not, we have a panel of vetted legal advisors who can carry out the purchase process. Either way, you choose — there's no obligation to use ours.
We recommend using a whole-of-market mortgage broker with specialist buy-to-let experience. If you don't already have one, we can introduce you to a broker we trust. No pressure to use them — it's just there if useful.
There are several taxes to be aware of:
The structure you buy under (personal name vs limited company) changes all of this significantly.
We are not qualified tax advisors. Everything here is general information, not advice. Always speak to a chartered accountant or tax specialist before making decisions about how to structure your investment.
For additional property purchases (including buy-to-let) in England and Northern Ireland, the Stamp Duty Land Tax bands as at 2026 are:
These rates include the 5% additional property surcharge that was increased from 3% in October 2024. Non-UK residents pay a further 2% surcharge on top.
Use our stamp duty calculator to work out the exact liability for any property.
Rates can change. Always verify the current SDLT position with a solicitor or tax advisor before committing to a purchase.
Nothing. We've never charged a buyer a consultancy fee on any transaction, and we don't intend to start. The developers pay us, and only when we match them with the right buyer.
No. If something doesn't suit you, we'd rather say so than waste your time. If we think property isn't right for you right now, we'll say that at the first meeting.
We stay in touch. We work with a national asset management partner to handle tenancy, and your consultant will check in regularly to make sure the investment is performing against the goals you set at the start. This is the start of the relationship, not the end of a transaction.
If you've got something specific that isn't answered here, the quickest way to get a straight answer is to ask us directly.
