But there is an alternative.
You’ve seen the news. The government budget continues to squeeze the commercial viability of Buy to Let as a property investment.
In addition to the previous surcharge on property acquisition (+5%) there is now a premium tax (+2%) on the income generated by through Buy to Let properties.
This additional tax burden follows on from the:
- Stamp Duty Surcharge
- Negative tax changes around mortgage cost relief
- New Renters’ Rights Act now introduced
- Proposed EPC requirements which will create additional property costs
- Local authority licencing regulations and associated fees
- Volatility around Buy to Let mortgage interest rates
The Buy to Let sector is clearly being targetted as a source of additional income, and we can only speculate what additional taxes the 2026 Budget will include.
With all the changes underway, owning a Buy to Let property can feel like a full-time job – and with diminishing returns.
The good news – there is a smart alternative to the traditional Buy to Let model for UK residential property investment.
This alternative does NOT have a premium on acquisition, does not have tax on income, and is not impacted by the Renters Rights Act and the myriads of other rental property regulations at a Local Authority level.
It affords the opportunity to invest in a quality residential property (available throughout England & Wales), delivering exceptional capital growth opportunities – all without the hassle of Buy to Let management and squeezed yields.
And with UK house prices set to increase, it is ideal for investors who are interested in hands-free generational property legacies too.
Interested in side-stepping the ongoing attack on Landlords?
A Life Tenancy investment may be the solution you are after:
- Buy at up to 70% below market value
- Full exposure to HPI
- Premium Locations
- Hands-free investment and no letting regulations
- Life Tenant covers all costs (inc maintenance)