Is property a good investment?

The pros of property investment

1. Tangible asset

Unlike stocks or crypto, property is something you can see, touch, and improve. It offers a sense of security and can appreciate over time if chosen wisely.

2. Rental income

Letting out a property can generate a steady income stream, especially in high-demand areas like London or Bristol.

3. Long-term growth

Historically, UK property has seen consistent growth over the decades. While short-term dips happen, the long-term trend has often favoured patient investors.

What to watch out for

1. Upfront costs

From stamp duty to solicitors’ fees and deposits, getting on the investment ladder requires consideration about upfront costs. Make sure your finances are in order before diving in.

2. Changing regulations

The UK government has tightened rules around buy-to-let in recent years—think energy efficiency standards, tax relief reductions, and stricter eviction rules. Make sure you're up to date.

3. Mortgage rates

With interest rates still high, borrowing costs can eat into your returns. Always run the numbers carefully, factoring in possible rate changes in the future.

Questions to ask yourself

• Do you have the time and patience to manage a property?

• Can you afford the upfront and ongoing costs?

• Are you in it for the long haul, or looking for quick wins?

Final Thoughts

Property investment can be rewarding—but it’s not for everyone. Do your research, consider speaking to a financial advisor, and make sure it fits with your personal goals and risk tolerance. If done right, bricks and mortar could still be one of the most reliable paths to building wealth in the UK.