The Property Podcast
ASK464: Is it time to expand? PLUS: Can my letting agent deduct tax?
Feb 18, 2025
In this episode, listeners dive into property investment strategies with a focus on leveraging a £180,000 portfolio. The hosts discuss the intricacies of balancing returns against borrowing costs, especially in the Derby market. One listener, an expat, learns about the complexities of non-resident landlord tax regulations and how they might affect her properties back home. The conversation uncovers essential tips on collaborating with property agents to navigate these challenges effectively.
06:18
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Quick takeaways
- Evaluating potential returns against borrowing costs is essential for leveraging a property portfolio to ensure profitability.
- Non-resident landlords must be aware of tax deductions on rental income and can apply to receive full payments from HMRC.
Deep dives
Maximizing Returns on Investment
When considering leveraging a property portfolio, the focus should be on evaluating potential returns relative to borrowing costs. If a person can borrow at a 5% interest rate, they should seek investments that promise more than a 5% return to ensure profitability. Investing simply for capital growth without a concrete return strategy can be risky and likened to gambling. A careful analysis of the local market, such as in Derby, can yield fruitful opportunities that surpass these borrowing costs when the numbers align favorably.
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