Is Buy-to-Let Still Worth It in 2026?

Is Buy-to-Let Still Worth It in 2026?

People often ask, “Is buy-to-let still worth it?”
Many landlords started out with a simple idea: buy a property, rent it out, and enjoy a steady income while the value grows in the background.

The reality today is more involved. Regulation has increased, tax rules have tightened, and expectations on landlords are higher than ever. That said, buy-to-let is far from dead. In 2026, it’s simply a more professional investment than it used to be.

So let’s look at the facts.

Why buy-to-let still makes sense

Strong rental demand
Home ownership remains out of reach for many, particularly in the North West. As a result, rental demand is still high, and good quality, well-managed properties continue to let quickly. This helps reduce void periods and keeps cash flow consistent.

Reliable monthly income
Unlike many investments, property provides a regular monthly income. For landlords looking to supplement earnings or plan long-term, that predictability still holds real value.

Long-term capital growth
Property prices move in cycles, but historically the UK market trends upward over time. Buying in the right area and holding long-term can still deliver solid capital growth.

Diversification

Property remains a strong way to diversify away from shares, pensions, or business income. Many landlords value having a tangible asset they can see and control.

Control over your investment
You choose the property, the tenant type, the rent level, and how it’s managed. That level of control is rare in other investment classes.

What about tax and stamp duty changes?

Temporary stamp duty changes introduced in 2022 ended on 31 March 2025. Current buy-to-let rates in England are:

• 5% up to £250,000

• 10% from £250,001 to £925,000

• 15% from £925,001 to £1.5 million

• 17% over £1.5 million

In Scotland, second homes and buy-to-let purchases attract an additional 6% surcharge.

Tax rules are tighter than they once were, but landlords can still offset allowable expenses, including management costs, maintenance, compliance, and professional fees. The key is planning properly and taking advice early.

Why professional management matters more than ever

Legislation is no longer optional knowledge. EPCs, gas safety, electrical testing, licensing, deposit rules, right-to-rent checks — getting one thing wrong can be expensive.

Using a professional letting and management agent:

• Keeps you compliant

• Protects you from avoidable fines

• Saves time

• Reduces stress

• Helps protect your long-term return

In short, it allows you to treat property like a business, not a headache.

Should you buy through a limited company?

This depends entirely on your circumstances.

Limited companies can offer tax efficiencies for some landlords, particularly higher-rate taxpayers, but they also come with additional costs, accounting requirements, and mortgage considerations.

There is no one-size-fits-all answer. Always speak to a qualified tax adviser before making this decision.

So… is buy-to-let worth it in 2026?

Buy-to-let is not a quick win. It never really was.
But for landlords who take a long-term view, buy well, price correctly, and manage professionally, it can still be a solid and rewarding investment.

Getting the numbers right at the start is crucial. A proper rental valuation will tell you what the property can realistically achieve, and where improvements could increase yield.

If you need help with lettings or full property management, we’re here to help.
Give us a call or email on 0161 674 0560 info@mishkanestates.co.uk.