Landlord purchases drop by 85,000 amid Renters’ Rights Bill concerns

Dwelly mortgage data is for those buyers having a mortgage. Rents have increased and i had a good cash reserve. I have expanded and bought 12 flats for cash, so i am not in the Dwelly data set. From my network of landlords, we are doing ok and not selling.

Well, I’m selling as is everyone else I know. 5% stamp duty and other upfront costs mean it just isn’t worth it. I can get 5%return on government bonds with no CGT- why would you bother investing in property? The days of capital growth are behind us, in fact I think most properties will actually devalue.

“From my network of landlords, we are doing ok and not selling.”
Are they long term established landlords or have you just met them on a property investment course?

Reply to the comment left by Monty Bodkin at 20/08/2025 – 09:55
Monty, myself long term having started in 1991 with my first one. My gross yield is 7 to 8 %. My network have mostly been investing for 15 years+. Three investors are less than that, who inherited 50%. Each to their own. All i was saying is i am not in those stats of the original article and i bought 6 flats last year and another 6 this year from the reserves of letting other units out. Good luck with your Govt bonds.

Richard, your bond income at 5% is still subject to tax unless in an isa. Lets try and crunch a few numbers to see if i should switch my investment with 10 terraced houses that cost in the 1990s on average £15k. The repairs, etc have been expensed, so no capital enhancement. Capital cost £150k, todays value £115k each = £1150k.Rents are £720/mth or £8.64k per annum, yield 7.47% based on market value, gross cash income before tax is £86k. If i sold now there is £1m of capital gains subject to tax at 24%, which is a painfull £240k tax. I would be left with £910k to put into bonds and earn 5% = £45k, which is still taxed. So my income would halve, i pay £240k cgt and when i die i pay 40% on the £910k ie another £364k. So the next generation, my kids, get £545k to squabble over. So it would halve my income and pay sheds load more tax. I have a family investment company and their will still be some tax, but not the cgt because of incorporation relief for a trading company. The fic helps cascade some of the capital growth down the family tree. The fic can, not doing yet, put tax deductable contributions into their sipps. All fun and games of real life monopoly

Reply to the comment left by Tramp at 20/08/2025 – 12:23“Good luck with your Govt bonds.”
Thanks but I don’t hold any Govt bonds and never have. I am a long term landlord though and know the current market trend is towards landlords selling.

Reply to the comment left by Monty Bodkin at 20/08/2025 – 14:29
To us it feels in so many ways like a re run of the Rent Acts. A landlord will need more manpower to deal with all of the extra admin and obligatory inspections. I dont believe all of this will be kf help to tenants. We will look for guarantors when letting where we can.

Reply to the comment left by Richard at 20/08/2025 – 08:21
The 5% was the issue surely? You should never have made the deal in the first place at that return. I get returns I could never replicate in stocks or bonds