Start with the decision
Should I buy to let?A structured checklist for deciding whether property fits your finances and objectives.Does buy-to-let make financial sense?Test cash flow, return on cash, resilience and exit value—not gross yield alone.Buy to let or invest elsewhere?Compare property with funds, bonds, gilts and cash on a consistent basis.How much cash do I need?Include the deposit, purchase tax, legal work, refurbishment and reserves.
Understand the return
Gross yield, net yield and cash-on-cashThree measures that answer different questions.What does buy-to-let IRR mean?How annual cash flow, timing and the eventual sale combine into one return.Interest-only vs repaymentWhy cash flow and mortgage balance move differently under each structure.Planning the exitSale costs, mortgage repayment, CGT and sensitivity to the sale price.Tax and commonly missed costsA practical checklist for purchase, ownership and sale.
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