Our combined sales and letting experience puts John Curtis in exactly the right place to advise and assist you with new buy to let investments as well as ongoing management of your existing buy to let portfolio.

With currently low interest rates on borrowing and potential stock market volatility ‘Buy to Let’ can seem like an attractive investment, and for many has paid off handsomely by offering a good monthly rental return alongside long-term capital growth.

It is important to buy the right kind of property in a good location to ensure that your property performs well.  In a highly desirable area such as Harpenden you can expect a yield of between 3% and 4% on your ‘Buy to Let’ investment.  However, residential property should always be viewed as a medium or long term investment.  There are short term rises and falls in property values, but over the long term, property generally does well as an investment.

Most ‘Buy to Let’ landlords rely on a mortgage in some form for tax efficiency.  It is important to remember that many lenders offering ‘Buy to Let’ mortgages will require the monthly rental on an investment property to cover a minimum of 125% of the monthly mortgage repayments in addition to a 25% deposit on the initial purchase of the investment property.


A basic calculation of yield would be the annual rental as a percentage of the purchase price i.e. a property returning £10,000 worth of rental per year, at a purchase price of £200,000, has a yield of 5%.  Consider however, if you are buying with the assistance of a mortgage, that ‘rent to property price yield’ will not be the return that you will receive.  Also consider the impact of tax, expenses and fees when calculating the overall return.

Our team at John Curtis have significant property experience and will take time to assist you from start to finish providing honest and reliable advice on potential investment opportunities.  We recognise that it is likely to be your second biggest investment after buying your own home., and as such is taken seriously. 

If you would like any further information or assistance please do not hesitate to contact us on 01582 742998.