Top tips for your buy to let portfolio in 2025

 

Owning property has been a tried and tested, and stable investment strategy for many wealthy people for 100’s of years. But how do you prepare yourself for the ever-changing landscape of being a property investor to not only maximise your portfolio but to protect yourself from the up coming changes and challenges you will face in 2025. 

 

Well, were glad you asked because we put this handy list of tips together just for you! Let’s jump in! 

 

 

Not all properties in your portfolio will be performing to their potential, or your strategy may have changed so some properties may not that so you may want to offload those properties. If the market has risen you may be able to sell now to make a tidy profit, or if the property has lagged for a while, then now may be a good time to cut your losses and move on. 

 

If your strategy has changed, can you look to repurpose a property from a single family let to a HMO or Air BnB to increase the cashflow from that property? 

 

 

One of the biggest drains on a portfolio’s performance can be found in the mortgage deal you have for each property. If you haven’t acted when your fixed rate came to an end your interest rate will have increased to the more expensive variable rate, so locking in a new fixed rate could reduce your monthly payments and increase your cashflow. 

 

Similarly, if rates have improved since you took out your current mortgage deal switching now onto a better rate could save you money on your mortgage payments. 

 

If your properties have increased in value, you may be able to release some equity with additioanl mortgage borrowing which could give you the funds to buy more properties to increase the size of your portfolio. 

 

 

Cashflow is king in any business, especially in property investing. By conducting annual rent reviews, you can ensure you are always receiving market value rent. By law you can only increase the rent once every 12 months so staying on top of this will help you make minor adjustments each year so that the jump in rent (for your tenant) or the lack of income (for you) isn’t too great. 

 

If you have an upcoming mortgage renewal or wish to release equity with a remortgage, you need sufficient rental income to pass the lenders stress test at your chosen level of borrowing so having the most rental income possible at all times will make your remortgage that little bit easier. If your rental income is too low, you may not be able to remortgage to the amount you need if the rental income doesn’t cover the mortgage you need. 

 

 

 

All properties in the UK must have an EPC rating of E or above for any lender to provide a mortgage on that property. Lenders also won’t lend on any properties without a valid EPC, so it is vital to ensure you have a valid EPC not only to be compliant with regulations but to allow you to secure a mortgage for the property. 

 

If your EPC has expired you can easily instruct a new one with an EOC assessor in your local area, if you need to check your properties EPC you can check this for free on the EPC register here: https://www.epcregister.com/ 

 

There are lenders at the time of writing this in 2025 that offer preferential interest rates for properties with energy efficiency. By buying a property with a high performance or improving the efficiency of a property you already own you can also qualify for lower interest rate mortgages which will save you money. 

 

There has also been talks for a few years now that the Government will enforce regulations that will require all privately rented properties to have a minimum EPC rating of C. Increasing your energy performance on your portfolio will prepare you for this potential change taking effect in good time. 

These are just a few basic things you can do to bullet proof your property portfolio in 2025, as always be prepared, be proactive and if you do have any questions please contact us. 

 

Our office line is 01482 205084 

Or email us on info@greenandgreen.net