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At our property seminars, we frequently get new landlords asking for tips about how to get started. We cover a broad range of topics relating to this – from purchasing buy-to-let property for sale, to managing tenants effectively. However, if you’re unable to attend our property investment seminars, here’s a handy checklist, summarising the key things you’ll need to do before you launch into becoming a landlord.
First-Time Landlord – Things to Do
- Examine your finances. What property you choose to invest in will depend on how much money you have to spend on it. Before anything else, work out what you can afford to realistically invest. Remember, you’ll need cash for various things when purchasing the buy-to-let property for sale – such as insurance, mortgage fees, letting agent fees and maintenance costs.
- Investigate mortgage options. If you need a mortgage to fund the purchase, you’ll need to shop around and work out which product is right for you. Buy-to-let mortgages usually require larger deposits – around 25% of the property’s value.
- Talk to the experts. If this is all new to you, we strongly recommend that you do your research before diving in. Don’t be afraid to get in touch with experienced landlords – many will be happy to give you the lowdown on what’s involved. Likewise, property investment agents are on hand to assist, and financial advisors can help you with the money side of things.
- Get learning. To familiarise yourself with what’s involved, read as many relevant publications as possible; such as industry newspapers, trusted websites and blogs, and books in the library. We also recommend attending a free property seminar, as you’ll pick up lots of tips and guidance when you’re there.
- Know the law. As a landlord, you’ll have certain responsibilities, which you must fulfil, or risk incurring a fine (or worse). For example, you must check a tenant’s ‘Right to Rent’ within the UK, and failure to do so is against the law.
- Identify your tenants. Work out who you’ll be trying to attract. Students, for example, can be lucrative (as you can then rent the house out as an HMO), but might not be so respectful of the property as an older, more affluent tenant. Young professionals may be happy to pay more, but will expect a high quality of living in return. Work out what’s best for you, then search for buy-to-let property for sale that matches the needs of those specific tenants.
- Work out which area. Many landlords choose to invest in property that’s near to where they live, as they can visit it with greater ease. However, there’s no law that says you must search for buy-to-let property for sale in a particular place – it’s entirely up to you. Some locations offer better rental yield, others might offer increased profit from capital growth. Do your homework before deciding.
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