With recent and upcoming changes making it more costly to be a landlord the question “Is buy to let still worth it?” has been on all of our minds as we move into 2025. At Prosperity Wealth, we firmly believe that despite evolving policies and challenges, buy to let remains a compelling investment option. With the right strategy and expert guidance from Prosperity Wealth, it can still provide steady returns and long-term growth. What’s New? Changes to Buy to Let in 2025? Throughout 2024 the buy to let market experienced significant changes driven by government policies and market dynamics. Key ..read more

At Prosperity Wealth we’re always bringing our investors great opportunities to grow their portfolios, our wide range of high-quality buy-to-let and off-plan property developments situated across the UK, are ideal for both new and seasoned investors. In this post we are highlighting three of our newest investment properties for sale that offer you access to fantastic investment opportunities and not only that but all of them can be fully managed by our team of property experts to ensure you have a reliable income stream without the usual hassle of property ownership. Latest Investment Prop ..read more

As a property investor, understanding key investment terms is essential to making informed decisions and navigating the investment process smoothly. Whether you’re a seasoned landlord or new to the world of property, this investment glossary will give you the knowledge you need to feel confident about your investment choices. At Prosperity Wealth, we’re here to simplify property investment with flexible payment plans and expert property management, so you can focus on growing your portfolio. Key Terms for Property Investors Select a letter to jump to: A B C D E F G H I J K L M N O P Q R S T ..read more

As we look at UK Property Investment 2024, investors are keeping a close eye on the UK property market. Despite shifts in the global economy and internal market dynamics, the question arises: is UK property still a good investment in 2024? With indicators pointing to a sustainable appreciation in property values and promising regional market strengths, this article looks at why UK property is still a good investment in 2024 and beyond. Key Takeaways The UK property market in 2024 is resilient, with forecasts predicting a 3% rise in property prices nationwide and a 2% rise in London’s mainstr ..read more

When you’re investing in property, understanding the difference between net profit vs gross profit is key to making informed financial decisions. Knowing how each figure impacts your returns allows you to have a clearer picture of your investment’s profitability. In this article, we’ll explain the differences and explain how to calculate them. What is Gross Profit? Gross profit refers to the income you generate from your property investment after subtracting the direct costs associated with owning and maintaining the property. For property investors, this typically means the rent received min ..read more

A void period is when a rental property is unoccupied between tenants, leading to no rental income. Landlords still face costs like mortgages and maintenance. In this article, we will explain what they are and offer tips to reduce these gaps to ensure a steady income and maximise your return on investment. Key Takeaways Void periods in rental properties can lead to significant financial strain for landlords due to lost rental income and ongoing expenses. Implementing strategies such as early marketing, thorough tenant vetting, and competitive pricing can effectively reduce void periods and m ..read more

An assured shorthold tenancy (AST) is a common type of rental agreement in England and Wales. It sets out the terms under which a tenant can occupy a property and the landlord’s responsibilities. Key Takeaways Assured Shorthold Tenancies (AST) provide a structured yet flexible framework for landlords and tenants in England and Wales, ensuring clear terms and protections, with a minimum six-month eviction protection. Key clauses in an AST must clearly outline rent, tenancy length, and responsibilities of both parties, while avoiding illegal clauses such as excessive interest on overdue rent a ..read more

Capital gains are profits from selling assets such as an investment property that have appreciated in value. Understanding what capital gains are will help you to calculate the profitability of an investment and will have an impact on your overall return on investment. Key Takeaways Capital gains tax is levied on the profit made from selling an appreciated asset and is dependent on the duration the asset is held and the seller’s income level. Capital gains are realised when an asset is disposed of through selling, gifting, transferring, swapping, or receiving compensation for its loss or des ..read more

A buy to let property is a property that is bought to rent out to tenants. This type of investment provides rental income and potential property value growth. Key Points Buy-to-let or BTL properties generate income through rental earnings and potential property value appreciation, appealing to investors who prefer tangible assets over volatile stock markets. Securing a buy to let mortgage involves ensuring rental income exceeds mortgage payments by a significant margin and managing related expenses, including higher interest rates and specific purchase costs. Landlords must adhere to stringe ..read more

The Non-Resident Landlord Scheme (NRLS) is an HMRC scheme that requires landlords living outside the UK for more than six months a year to pay tax on their rental income from UK properties. So if you have purchased investment properties that you’re renting out in the UK but spend most of the year abroad, then understanding this scheme is crucial. In our guide we will walk you through your obligations, registration requirements, and how to manage tax efficiently under the NRLS. Key Takeaways The Non Resident Landlord Scheme (NRLS) requires non-resident landlords to either have tax deducted fr ..read more