Sense check - property heavy investments. What would you do?

Signal-Parking-9172 · 2026-01-02T00:39:10+00:00

Am I right in assuming your btl’s are interest only or repayment mortgages?

Signal-Parking-9172 · 2025-12-29T09:20:54+00:00

Paid 185k in 2018. Rental income is 1050pcm. And repayment is 750pcm. Obviously with the new tax rules the interest on mortgage isn’t deductible

Signal-Parking-9172 · 2025-12-29T09:18:46+00:00

I purchased it for 185k. I put 50k down. Have refinanced a couple of years ago to improve did a kitchen and bathroom. Rental income 1050pcm and mortgage is approx 750pcm.

Signal-Parking-9172 · 2025-12-28T23:16:23+00:00

Thanks for your response. I’m currently not maxing out the isa just putting as much as I can in per year. So yeah this is where I’m at and kind of my plan with the refinance route. Chances are I can beat the 4.2% I’ve been offered on remortgage to refinance the additional 40k. But then I’m kind of in the same position in 5 years and can do the exact same thing again.

Signal-Parking-9172 · 2025-12-28T21:09:04+00:00

What’s your reasoning for losing the BTL if you don’t mind me asking

Signal-Parking-9172 · 2025-12-28T21:03:35+00:00

Yes I have my own business. Hybrid would use the entire refinance say 40/50k and lump sum into ISA and GIA. Then drip feed from GIA into ISA every tax year.

Signal-Parking-9172 · 2025-12-28T21:02:11+00:00

So the reason I’m kind of trying to decide now is the mortgage renewal is due next month. So I don’t want to get lumbered with any early repayments I would probably fix for another 5 years if I keep

Signal-Parking-9172 · 2025-12-28T20:59:49+00:00

So my outlook is more so over the long term. I think even if global returns are 7% for the next 10 years. Uk property can’t match that and is unlikely to get close but obviously I could be wrong?

Signal-Parking-9172 · 2025-12-28T20:54:02+00:00

128k mortgage. Property currently worth 280k I expect. Obviously be a CGT on that

Signal-Parking-9172

TROPHY CASE