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In the same week earlier this year, one national paper ran a piece titled “The end of the small landlord,” and another ran “BTL yields hit a record high.” Both were technically right. Both can be true at the same time, and that’s exactly the point.
So, is buy-to-let still a good investment in the UK? You’ve probably heard a confident answer from someone with an interest in selling you one. You’ve almost certainly heard a gloomier answer from someone in the landlord press. Neither view, on its own, helps you decide what to do with your capital, your portfolio, or your next purchase decision.
Here’s the honest version. Yes, buy-to-let can still be a good investment in 2026, but the deals that work are narrower than they were five years ago. The gap between landlords who treat property as a serious enterprise and those who don’t has never been wider.
Across this guide, you’ll get the framework you need to answer the question for yourself: yield, financing, tax, regulation, and management burden. By the end, you’ll know whether buy-to-let still fits your situation, your region, and your portfolio scale (and what to do next if it does).
Where Buy-to-Let Actually Stands in 2026
Before you can answer whether buy-to-let still works for you, you need a clear picture of what’s actually changed in the market. Headlines move faster than policy, and a lot of the BTL commentary you’ll read still reflects the world of 2020 or 2022 rather than the one you’re operating in today. So let’s set the record straight before getting into the framework itself.
The Short Answer
Buy-to-let in 2026 remains a viable investment, but only if you treat it as a business, run the numbers properly, and prepare for higher tax and tighter regulation. It’s no longer the semi-passive, semi-retirement income strategy it was for many landlords a decade ago.
The model now rewards portfolio operators, regional specialists, and landlords who actively upgrade their stock. It punishes accidental landlords stuck with a single under-managed property in the wrong region, on the wrong mortgage, with the wrong tax structure. Both outcomes are happening simultaneously. Where you land depends almost entirely on how you choose to operate.
What’s Changed Since 2020
The clearest way to see why buy-to-let feels so different now is a side-by-side comparison. Almost every single variable that affects landlord returns has moved against you in the last five years – and a couple have moved in your favour. The table below sets out the shift.
| Factor | Then (around 2020) | Now (2026) |
|---|---|---|
| Average BTL 5-year fix | Around 2.5% | Around 5.68% (Moneyfacts, May 2026) |
| SDLT surcharge on BTL | 3% | 5% |
| Mortgage interest relief | Phasing out (Section 24) | Fully restricted (20% basic-rate tax credit only) |
| Property income tax (from Apr 2027) | Standard income tax rates | New rates: 22% / 42% / 47% |
| Possession route | Section 21 ‘no fault’ | Section 8 grounds only (from 1 May 2026) |
| Tenancy type | Fixed-term ASTs | Periodic assured tenancies |
| Minimum EPC | E | E now; C by October 2030 |
| UK average gross yield | Around 5.0% | Around 5.8% (Zoopla) |
Most of those changes squeeze landlord returns. A couple (rising yields and persistent tenant demand) push the other way. The job from here is weighing both honestly. For a deeper view of how the tax restrictions came in, the Section 24 guidance for landlords walks through how mortgage interest relief was unwound in detail.
The Macro Picture
Beyond the policy shifts, the wider economic picture matters too. Here’s where the major dials sit as of May 2026:
The Bank of England base rate sits at 3.75%, with markets pricing further cuts later in the year. BTL fixed rates remain elevated due to recent global volatility, but they’ve come off their 2023 peak. According to the latest Moneyfacts data, the average two-year fixed BTL rate stands around 5.44% and the average five-year fix around 5.68%.
UK house prices grew around 1.3% in the year to March 2026, according to Zoopla. Modest, but stable – with Northern Ireland up 8% and the North West up 3.3% leading the regional pack.
Rents grew 1.9% in the year to March 2026 (slower than the 2022 – 23 boom, but still rising). Savills forecasts cumulative rent growth of around 12% across 2026 – 2030, with strong demand likely to continue. Rental supply, meanwhile, still sits 23% below pre-pandemic levels. Demand is normalising rather than collapsing, with 4.8 enquiries per available property in March 2026.
So the macro backdrop isn’t catastrophic, and it isn’t a bonanza either. It’s an environment that pays you for discipline and punishes you for casual decisions. That’s a different game than the one most BTL articles are still describing.
The Five-Factor Framework: How to Decide
Pros and cons lists are useful for a magazine column. They’re not useful for deciding whether to put £80,000 into a deposit. What you need instead is an actual framework i.e., one that maps the real variables affecting your returns, treats them with the weight they deserve, and helps you spot the deals that work in 2026’s conditions versus the ones that only worked in 2018’s.
Across the next five sub-sections, you’ll walk through the factors that genuinely decide whether buy-to-let still stacks up for you: rental yield, financing, tax, regulation, and management burden. Each one carries equal weight. Get four of them right and one of them badly wrong, and the deal still doesn’t work. Get them all right, and buy-to-let in 2026 can still be one of the strongest investments available to you.
Factor 1: Rental Yield – Are the Numbers Still There?
Rental yield is your starting point. Gross rental yield is your annual rent divided by the property value, expressed as a percentage. Net yield deducts your running costs from the rent before doing the same calculation. Both are useful, but they answer slightly different questions, and you should never let one stand in for the other.
Right now, average UK gross yields sit around 5.8%. Net yields on a managed, mortgage-free buy-to-let typically come in at 3–4%; on a mortgaged property, you’re often looking at 1–3% net once you account for everything. For the full breakdown of how each figure is calculated and which costs sit where, you can read the companion piece on the difference between gross and net property yield.
Region matters enormously here. The North East currently averages 7.9%, Scotland 7.6%, the North West 6.8%, while London lags at just 5.1%. The answer to “is buy-to-let a good investment?” is genuinely different in Sunderland than in Sutton. National averages will mislead you if you let them.
Here’s the harder truth, though. The headline yields are real, but a 5 – 6% gross yield in 2026 sits much closer to break-even after all your real costs than the same yield did in 2020. Higher mortgage rates and Section 24 have eaten the margin, not the gross. Two properties showing the same gross yield can produce wildly different net cash flow depending on financing, costs, and tax position.
So when you’re seriously weighing whether to invest, calculate gross and net yields on the specific property type and region you’re considering (not the national average) and stress-test what’s left after costs. That’s where the real answer lives.
Factor 2: Financing – The BTL Mortgage Reality
Mortgage rates have done more to reshape buy-to-let economics in the last three years than anything else. If you’re still mentally working with the 2.5% rates many landlords secured in 2020, your numbers won’t reflect today’s reality.
As the HomeOwners Alliance reports, the best buy-to-let rates available in May 2026 sit around 3.93% on a five-year fix at 60% LTV (though that comes with a 3% arrangement fee). Average market rates are higher: roughly 5.44% on a two-year fix and 5.68% on a five-year fix. Best available and market average are very different conversations, and you should know which one applies to your situation.
Deposit requirements have also shifted. Most BTL mortgages now require 25% minimum, with the sharpest rates reserved for 60 – 65% LTV. The majority remain interest-only, which means you’ll still owe the full capital at the end of the term.
Lender stress tests compound the issue. Most lenders apply rental cover ratios of 125–145% of mortgage interest at a stressed rate. At today’s rates, many properties in southern regions simply don’t pass without either a much larger deposit or a rent at the top of the local market. You either bring more cash or you walk away.
What this means for the decision is that leverage works very differently in 2026 than in 2020. A 75% LTV buy-to-let on a 5% yield often won’t generate positive cash flow today. The same property at 60% LTV with a 7% yield usually will. Your capital allocation matters as much as your property selection. Whether you choose a mortgage at all also matters more than it used to. The trade-offs are explored in detail in the comparison of buying a buy-to-let with cash versus a mortgage.
The non-negotiable practical step: stress-test every deal at +1% on current rates and at a 4-week void, before you commit. You’ll find more on how to model this in the upcoming guide to stress-testing a buy-to-let deal. If your numbers still work under that scenario, the deal works. If they don’t, the deal doesn’t. No matter what the headline yield looks like.
Factor 3: Tax – Section 24, the 2027 Rate Rise, and What’s Left
This is where most generic buy-to-let articles understate the real impact. The tax stack landlords face in 2026 is genuinely heavier than it was five years ago, and there are more changes coming. You need to know the detail.
Start with Section 24. Finance costs can no longer be deducted from your rental income. Instead, you receive a 20% basic-rate tax credit. If you’re a higher- or additional-rate taxpayer, you’re paying tax on income you don’t actually keep. The effect on heavily leveraged portfolios can be brutal.
Stamp Duty still hurts at the purchase point. The 5% surcharge on additional dwellings sits on top of the standard SDLT thresholds. On a £250,000 buy-to-let, that’s £12,500 in surcharge alone, before legal fees and surveys.
Then there’s what’s coming. From April 2027, the House of Commons Library confirms, property income will be taxed at separate, higher rates: 22% basic, 42% higher, and 47% additional. That’s a 2-percentage-point hike across every band. The Office for Budget Responsibility has acknowledged this will reduce landlord returns and probably push rents upward to compensate.
From April 2028, a new High Value Council Tax Surcharge (he so-called “mansion tax”) applies to homes valued over £2 million, ranging from £2,500 to £7,500 per year. It mostly affects prime London and the South East, but if you operate in that bracket, factor it in. Capital Gains Tax on residential property remains at 18% for basic-rate and 28% for higher-rate disposals, unchanged in the 2025 Autumn Budget.
The limited company route looks increasingly attractive for higher-rate taxpayers with leveraged portfolios. You retain full mortgage interest deductibility, pay corporation tax on rental profits, and the structure gives you more flexibility on extraction timing. But it comes with trade-offs: a 5% SDLT charge on transfers in, refinancing costs, and dividend tax on profit extraction (with dividend rates rising 2 percentage points from April 2026). Whether incorporation makes sense for you depends on portfolio size, leverage level, and personal tax position.
| The honest bottom line on tax: running a buy-to-let portfolio in 2026 without professional advice (once you have three or more mortgaged properties) is a tax mistake. The do-it-on-a-spreadsheet era is over. |
Factor 4: Regulation – The Renters’ Rights Act and What’s Coming
Phase 1 of the Renters’ Rights Act 2025 came into force on 1 May 2026. By the time you’re reading this, it’s not a future risk. It’s already changed the operating environment for every private landlord in England. The official government roadmap sets out what’s now live and what’s still to come.
Phase 1 covers the headline reforms. Section 21 “no-fault” eviction is abolished. All existing assured shorthold tenancies have converted to periodic assured tenancies. Meaning, fixed terms are gone. Rent increases must go through a Section 13 notice, with two months’ notice required and only one increase per year. Tenants now have a contractual right to request a pet, with a 28-day response window for you to consider it. Upfront rent and rental bidding are banned. Existing tenants must be served the official Information Sheet by 31 May 2026, with fines up to £7,000 per breach (rising to £40,000 for repeat breaches) if you miss it.
Phase 2 is coming from late 2026. A mandatory PRS Database arrives, with an annual fee per registered property. A PRS Landlord Ombudsman follows, with mandatory landlord registration and binding tenant redress.
Phase 3, still being consulted on, extends Awaab’s Law to the private rented sector. Once in force, you’ll have strict legal timeframes to investigate and remediate hazards like damp and mould. The Decent Homes Standard will apply to private rentals too.
On top of all that, EPC C by October 2030. Every let property will need to meet EPC C or hold a valid exemption. The cost cap has been confirmed at £10,000 per property (down from the £15,000 originally proposed). Average upgrade costs run £4,000–£8,000 depending on the stock. Any spending from October 2025 onwards counts toward the cap. Around 2.5 million PRS properties currently rate below C, so the contractor crunch will only intensify as the deadline approaches.
What this means in practice: yes, the regulatory burden is real and growing. But it also creates a structural advantage for landlords who manage compliance well. Industry analysts describe what’s happening as “consolidation through professionalisation.” The accidental landlords are exiting. The serious operators are picking up the stock and the tenant demand. Which side you sit on depends largely on whether you build the right compliance systems now or in five years.
Factor 5: Management Burden – Time, Skill, and Whether You Can Run It
Buy-to-let in 2026 isn’t capital-light, and it isn’t time-light. Every additional regulation adds per-property admin time. Every additional property amplifies it.
The English Private Landlord Survey shows landlords’ overall income sits above the national average. But that headline number masks something important: the most profitable buy-to-let income is heavily concentrated among landlords running multiple properties as a business. Solo landlords with one property often barely break even after their time is properly priced in.
Self-management versus a letting agent is the first big choice. Full management typically costs 8 – 15% of rent; let-only services run £400 – £800 per tenancy. The right answer depends on portfolio size, your distance from the properties, and your own time cost. Many landlords make this decision once and never revisit it. The trade-offs of self-managing versus using a letting agent shift as your portfolio grows and as compliance demands intensify.
The compliance dimension keeps growing too. Gas safety certificates, EICR, EPC, deposit protection, smoke and CO alarms, selective and HMO licensing, the new Renters’ Rights Act notices, MTD record-keeping. None of these are one-off jobs. They’re recurring processes, each one a small admin task on its own, all of them together an ongoing system.
The honest framing on management burden looks like this. A single BTL with a settled five-year tenant might need 20 hours of active landlord time per year. A 30-property portfolio with 8% annual turnover needs a real operating model (software, suppliers, written processes, scheduled reviews). Most mid-portfolio landlords sit awkwardly between the two and either over-invest in management fees or under-invest in the process. That gap is where the worst returns live.
The action point is to pick a side. Build a proper operating model, or pay an agent and accept the cost. Drifting between them is the silent margin-killer for most landlords running 10 to 40 properties.
Buy-to-Let Pros and Cons in 2026: A Balanced Summary
If you take only one thing from the framework above, take this: the answer isn’t a verdict. It’s a weighing exercise. Below is a scannable summary of the trade-offs as they stand in 2026. It’s useful to come back to when you’re considering a specific deal or a portfolio decision.
| Pros | Cons |
|---|---|
| Tangible, real-asset investment with long-term inflation hedge | Substantial upfront capital required: 25%+ deposit plus 5% SDLT surcharge, legal, survey, and refurb |
| Rental income often rises with inflation; new lets up 1.9% in the year to March 2026 | Average mortgage rates around 5.5–5.7% – eroding leverage returns significantly |
| Strong tenant demand: supply 23% below pre-pandemic, 4.8 enquiries per property | Section 24 means leveraged landlords pay tax on income they don’t keep |
| Northern regions and Scotland still delivering 7.5 – 8%+ gross yields | Property income tax rates rising 2 points from April 2027 (22% / 42% / 47%) |
| Capital growth potential, especially in fast-moving northern markets | Renters’ Rights Act removes Section 21, ends fixed terms, raises compliance load |
| Forecast rent growth of around 12% across 2026 – 2030 (Savills) | EPC C deadline by October 2030 – average upgrade cost £4,000 – £8,000 per property |
| Limited company structure offers genuine tax advantages for higher-rate, leveraged portfolios | Time and process burden is real; mid-portfolio landlords feel it most |
| Market consolidation creates opportunities as accidental landlords exit | Buy-to-let is no longer passive – running it as a business is table stakes |
Look at both columns honestly. If the pros excite you and the cons feel manageable, you’re probably in the cohort buy-to-let still suits in 2026. If the cons feel insurmountable and the pros feel marginal, that’s also a real signal worth respecting.
Who Buy-to-Let Suits in 2026 (and Who It Doesn’t)
The general answer to whether buy-to-let is a good investment isn’t actually that useful. The useful question is whether it’s a good investment for you, right now, with your capital, your tax position, your region, and your time. So let’s get specific.
Buy-to-Let Probably Still Suits You If…
You’re investing for the long term (ten years or more) and you value capital growth alongside income. You can fund a 30%+ deposit comfortably without stretching your personal finances. You’re a basic-rate taxpayer, or a higher-rate taxpayer prepared to incorporate. You’re willing to professionalise: software, processes, advisers, compliance discipline. You already understand a region or have a portfolio you can build on. And you view buy-to-let as part of a diversified strategy, not your entire pension plan.
Notice what’s not on that list: a particular property type, a magic yield number, or a specific region. The traits that predict success are mostly behavioural. The landlords who do well in 2026 are the ones who turn up to the business properly, regardless of which corner of the market they operate in.
Buy-to-Let Probably Doesn’t Suit You If…
You’re looking for a passive, hands-off income. Your only viable purchase is a marginal-yield property in a high-priced southern region with a 75%+ LTV mortgage. You’re a higher-rate taxpayer unwilling to consider company structure, but also unwilling to accept what Section 24 does to your returns. You don’t have the time, capacity, or willingness to operate as a small business (and your portfolio is too small to justify a management agent’s fees). Or you’d be relying on capital growth alone to make the numbers work.
None of these are character flaws. They’re just signals that the structure of your situation doesn’t match what buy-to-let now demands. Better to recognise that early than to spend three years discovering it through a draining property.
Mid-Portfolio Landlords (20 – 100 Tenancies): The Specific Case
If you’re running 20 to 100 tenancies, your situation deserves its own paragraph. This is the segment hit hardest by the operational shifts of 2026. Landlords in this group are too large to run on spreadsheets and often too small for institutional infrastructure. Margin compression hits hardest here, because economies of scale on management costs typically don’t kick in meaningfully until you’re past 30 – 50 properties.
For you, the question “is buy-to-let still a good investment?” matters less in the abstract than the question “am I running mine well?” The answer depends almost entirely on operational discipline. Many of these challenges are explored further in the discussion of managing a large property portfolio, which speaks directly to landlords at this scale.
The landlords succeeding at this size share three traits. They have a single source of truth for their portfolio data. They’ve formalised their compliance and rent-review processes in writing. And they track per-property profitability continuously, not just at year-end. Those three things, more than any market call, predict who thrives in this segment over the next five years.
How to Make Buy-to-Let Work in 2026: Six Practical Moves
Frameworks are useful for thinking. Moves are useful for doing. If you’ve decided buy-to-let still fits your situation (or you’re at least considering it seriously) here are the six things that consistently separate the landlords whose returns hold up from those whose don’t.
None of these are exotic. They’re not insider knowledge. But they’re often the things landlords intend to do, mean to do, and then quietly drop because life and tenants get in the way. Treat them as non-negotiables.
Run the deal on net yield, not gross. If a deal doesn’t stack on net yield with full costs and a 4-week void allowance, it doesn’t stack. Headline gross yields are no longer a reliable guide to whether a property will actually make you money. Gross gets you to the shortlist; net decides the purchase.
Stress-test every deal before you buy. Model rates +1%, rent -5%, and voids of 6 weeks. If the numbers still work under that scenario, the deal works. If they don’t, walk away. The 2022 BTL rate shock taught a generation of landlords what unmodelled deals look like when they go wrong. Don’t repeat the lesson.
Get the structure right early. Personal name versus limited company is rarely a “fix it later” decision. Restructuring an existing portfolio usually triggers a 5% SDLT surcharge on transfer, refinancing fees, and accountancy costs that can easily reach five figures. Take professional advice before your second purchase, not after your fifth.
Pick a region and learn it deeply. National yield averages don’t help you much. The landlords who outperform tend to know one or two regions intimately, including local supply patterns, demand drivers, regulation, trades, even individual streets. Spreading thin across the country tends to spread your returns thin too.
Front-load your EPC work. Spending from October 2025 onwards already counts toward your £10,000 cost cap. Doing the work across 2026 – 2028 spreads the cost across multiple tax years, lets you capture grant funding while it’s available, and avoids the contractor and material shortages that will hit hard as the 2030 deadline tightens. Waiting until 2029 is a strategy with no upside.
Run it like a business from day one. A single source of truth for income, expenses, compliance, and tenancies. Written processes for rent reviews, deposit protection, repairs, and end-of-tenancy. Quarterly reviews instead of annual ones. The landlords doing this now are the ones who’ll still be doing it profitably in 2030. The ones who aren’t, mostly won’t.
Take all six together, and you have a meaningful edge over the landlords who treat buy-to-let as a side hustle. Take none of them, and you’ll feel every headwind the next five years bring.
Why the Landlords Who Stay In Are Running BTL Like a Business
If you talk to landlords who are actively expanding portfolios in 2026 rather than quietly exiting, you start to notice a pattern. They tend to look and behave alike. Not in terms of region, property type, or strategy, but in terms of how they operate.
That pattern matters, because it tells you what “running buy-to-let properly” actually looks like once you strip away the abstractions. Here’s what those landlords share.
The Common Pattern Among Landlords Who Are Still Investing
They moved from spreadsheets to software somewhere between their fifth and fifteenth property. They review portfolio profitability quarterly, not annually. They keep a written compliance calendar covering gas, EICR, EPC, deposits, Renters’ Rights Act notices, and MTD records. And they know their per-property net yield and cash flow at any moment.
None of that requires unusual talent or capital. It just requires the decision to treat property as an enterprise rather than a hobby.
What Good Operating Infrastructure Looks Like
Good operating infrastructure is unglamorous but powerful. You want live tracking of rent, expenses, and per-property net yield as transactions happen. You want centralised compliance dates and document storage, so any certificate is findable in seconds rather than hunted through emails for an hour. You want tenancy management aligned to the new periodic-tenancy regime i.e., Section 13 notices, deposit records, written statements, pet request workflows. And you want reports clean enough to hand to your accountant and, eventually, structured for HMRC’s quarterly MTD submissions.
None of that is exotic technology. It’s just the same operational hygiene you’d expect from any small business with multiple sites and recurring compliance.
Where Landlord Vision Fits
Landlord Vision is built specifically for the kind of landlord this article has been describing i.e., UK landlords with mid-sized portfolios who’ve outgrown spreadsheets and need the operational visibility to keep buy-to-let working in the current tax and regulatory environment. The platform handles rent, expenses, yield, compliance dates, tenancy records, and reports in one place – the single source of truth that the pattern above depends on.
For landlords still asking whether buy-to-let is a good investment in the UK in 2026, the Landlord Vision answer is the same as this article’s. Yes. But only if you run it like one. Our software exists to make that easier, not to replace the discipline itself.
Frequently Asked Questions
A few of the questions landlords most often ask alongside this one, answered briefly so you can find what you need without scrolling through another full guide.
Is buy-to-let still worth it in the UK in 2026?
Yes, for landlords who run it as a business. Average UK gross yields sit around 5.8%, with northern hotspots above 8%, and rental demand remains 23% above pre-pandemic supply. But Section 24, BTL mortgage rates around 5.5%, and the 2027 property-income tax rise mean leveraged returns are tighter than they’ve been in 15 years.
What is a good rental yield for a buy-to-let property?
As a working benchmark for 2026: a gross yield of 5 – 8% is typical, above 6% is strong, and above 8% is excellent. Net yield of 3 – 4% is acceptable on a managed property; on a mortgaged buy-to-let, many landlords realistically see 1–3% net. Always compare like for like (gross to gross or net to net).
How does the Renters’ Rights Act affect buy-to-let returns?
From 1 May 2026, Section 21 “no-fault” eviction was abolished and assured shorthold tenancies converted to periodic. Possession is now slower and more grounds-dependent. Pet requests need to be handled within 28 days, and rent increases require a Section 13 notice no more than once a year. Net effect: longer tenancies, more admin, and higher litigation risk for a small minority.
Is buy-to-let better in a limited company?
Often yes for higher-rate taxpayers with leveraged portfolios – full mortgage interest deduction and 25% corporation tax compare favourably to personal-name rates of 42% from April 2027. But you need to factor in 5% SDLT on transferring properties in, refinancing costs, and dividend tax on extraction. Take advice before your second purchase, not after your fifth.
Where are the best places for buy-to-let in the UK in 2026?
For yield: the North East (around 7.9% average), Scotland (7.6%), and the North West (6.8%) with cities like Sunderland, Aberdeen, and Burnley delivering above 8%. For capital growth: the North West dominates 2026 forecasts, with Wigan, Liverpool, and Stoke-on-Trent leading. London remains a low-yield, capital-growth play.
Should new investors get into buy-to-let in 2026?
Yes, but with eyes open. The era of accidental landlording with one BTL alongside a day job is largely over. New investors who succeed in 2026 typically start with the structure, the systems, and the regional focus already in place. Treat it like starting a small business, not opening a savings account.
The Bottom Line on Buy-to-Let in 2026
Here’s where the framework lands. Buy-to-let in the UK can still be a good investment in 2026, but only for the right landlord, in the right region, with the right structure and the right operating model. The five factors: yield, financing, tax, regulation, and management burden need to be weighed honestly. Not just the ones that flatter the deal.
The biggest predictor of whether your buy-to-let works isn’t the property anymore. It’s whether you run it as a business. The gap between best and worst operators is now wider than at any point in the modern history of the private rented sector. And it’ll only grow. The good news is that closing that gap doesn’t require unusual capital, talent, or luck. It requires discipline, a clean operating model, and the right tools.
If you’re treating buy-to-let as a business, you’ll want the systems that match. Landlord Vision exists to give portfolio landlords exactly that – rent, expenses, compliance, and per-property yield tracked in one place, with no spreadsheet maintenance and no scrambling at tax-return time. You can try it free for 14 days, no credit card required.
Buy-to-let in 2026 isn’t dead. But it isn’t easy either. The landlords who treat it accordingly will still be making real returns in 2030. The ones who don’t, won’t. Which side you’re on is mostly up to you.
