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PREPG3InvestmentDigital
Buy-to-Let

Wake up to rental income every month

Build a stream of passive cash flow from UK property. Your tenants cover the interest-only mortgage, pay the running costs, and put money in your pocket — month after month.

At a Glance

The numbers that matter

A quick snapshot of what buy-to-let delivers and what it takes to get started.

7-10%gross p.a.
Typical Yield
£50,000+
Min. Capital
Low-Medium
Risk Level
Low(respond to your team)
Your Time
How It Works

From search to rent day in six steps

We do the heavy lifting. You make the decisions.

1

We find the right property

Off-market and below-market-value properties in high-demand rental areas. We handle sourcing so you don’t waste months searching.

2

You review the numbers

Full financial breakdown: purchase price, refurb costs, expected rent, yield, and cash flow projections. No surprises.

3

We handle the purchase

We connect you with a vetted local team — solicitor, mortgage broker and surveyor — and coordinate the entire purchase. All you do is respond when they need a signature or a decision.

4

We get it tenant-ready

We manage any light refurbishment, coordinate the trades team, arrange the gas safety certificate, EPC, electrical checks and all landlord compliance — so the property is fully legal and lettable from day one.

5

We hand it to a vetted estate agent

We introduce you to a trusted, vetted letting agent in the area who handles tenant finding, referencing, right-to-rent checks and day-to-day management — so you never have to deal with tenants directly.

6

You collect rent

Monthly rental income deposited to your account. Your letting agent handles maintenance, tenant queries and everything in between. Your only job is checking your bank balance.

Who This Is For

Is this the right path for you?

Buy-to-let suits investors who want steady, predictable income backed by a real asset.

  • You want reliable monthly income without a second job
  • You have £50,000+ to invest and want it working harder than a savings account
  • You prefer a tangible asset you can see and touch
  • You want to build long-term wealth through property and capital appreciation
  • You’d rather a vetted estate agent dealt with tenants, compliance and maintenance — your only involvement is responding to your team’s queries when they need a decision
£200-500
Typical monthly cash flow per property
Interest-only
Mortgage type — keeps payments low, maximises cash flow
7-10% + growth
Gross yield p.a. plus capital appreciation builds equity over time
Risks

What could go wrong

Every investment has risks. Here's what to know before you commit.

Void periods

Your property may sit empty between tenants. Budget for 1-2 months void per year in your projections.

Interest rate changes

Mortgage rates can rise, squeezing your monthly cash flow. We stress-test every deal at higher rates.

Maintenance costs

Boilers break, roofs leak. Set aside 10-15% of annual rent for unexpected repairs.

Tenant issues

Late payments or property damage can occur. Professional management and referencing reduce but don’t eliminate this.

Market fluctuations

Property values can fall in the short term. Buy-to-let works best as a long-term hold (5+ years).

Regulatory changes

Tax rules and landlord regulations evolve. Section 24 has already reduced tax efficiency for higher-rate taxpayers.

Example Deal

What a real deal looks like

A realistic worked example so you can see exactly how the numbers stack up.

Purchase & Costs

Purchase Price£130,000
Refurbishment£6,000
Deposit (25%)£32,500
Stamp Duty (SDLT)~£3,900
Sourcing Fee£5,000
Solicitor Fees~£1,500
Mortgage Broker Fee~£300
Survey~£500
Total Cash Required~£50,000

Monthly Returns

Monthly Rent£950
Mortgage (interest-only @ 5%)~£400
Letting Agent + Costs~£150
Monthly Cash Flow~£400
Gross Yield8.8%

This is an illustrative example only. Actual returns, fees and costs will vary depending on the property, location and market conditions.

Ready?

Ready to earn your first rental income?

Book a free call and we'll show you properties that match your budget and goals.

Important: Property investment carries risk. The value of your investment and any income from it can go down as well as up, and you may get back less than you invest. The figures, returns and projections on this page are estimates based on market data and are not guaranteed. Past performance is not a reliable indicator of future results. Nothing on this page constitutes financial, tax or legal advice. You should seek independent financial advice from a qualified professional before making any investment decision. PREPG3 is not authorised or regulated by the Financial Conduct Authority.