The Property Podcast ASK501: What do I do with an inheritance? PLUS: Should I sell or rent out my flat?
Nov 4, 2025
This episode tackles inheritance and property investment strategies. Felix, a student, seeks advice on utilizing his low six-figure inheritance to start a property portfolio while managing risks. Meanwhile, Zara deliberates whether to rent out her London flat or sell it due to rising service charges and market conditions. The hosts emphasize the importance of cautious investment and being prepared before diving into the property market.
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Buy Good Property Then Remortgage
- Consider buying a solid, low-maintenance property in a good area with cash, then remortgage in 1–2 years to reduce risk.
- Use landlord insurance and price competitively to minimise voids and tenant default risk.
Check Mortgage Possibilities Early
- Explore mortgage options even without income because lenders have reopened parts of the market, but expect higher rates and fees.
- Weigh mortgage costs against the benefits of leverage before deciding.
Delay Investing To Build Confidence
- If you're unsure, pause and build knowledge during university by researching areas and listening to podcasts.
- Enter the market when you have income and mortgage appetite to avoid sleepless worry.