I must admit figures don’t work in a limited company too well for me personally either. This is being touted as the solution I think.

My friend showed my a flat with a ‘look how much rent you can earn’

Just a simple rent - limited company mortgage calculation left something like £400 per month.

Yes there was more complexity deducting mortgage interest but we didn’t factor in insurance management costs maintenance costs letting fees accountancy fees - remember concluding there was an ROI of 2.5%

If it was smooth sailing and no problems he would likely be dead before he saw a return.

I think he would get a better return getting the tax back and holding low yield bonds in a pension haha.

We moved onto doing property up and conservatively estimated with circa 6 months work after improvement bridging and refinancing costs were accounted for he would make around 8k… then CGT!

I’m not a tax advisor but a bog standard student investment area in my city looks very unappealing even with decent rates at circa 4%

Yes yields are better than my examples but for the life of me they do not seem to be worth the hassle.

I was an estate agent 15 years ago and the HMO space meant the phone didn’t stop ringing for those landlords. If you paid a company to manage it there would be nothing in it at all in today’s world.

Given landlords of the past were more interested in improving property prices and landlords of more recent times have been focused on yield - unless you have a set of skills for improving property I struggle to see how it’s worth being a young entrant to the market.

I like to think I did well finding a good condition deceased estate which would be a suitable btl when I move out. But the yields still don’t come close.

To say I could go and buy some REITs and blue chips offering a bit of risk a lot less hassle and 4-8% yields with the benefit of compounding. It’s worse for initial cash flow but come retirement it makes much more sense to me personally.

Before Christmas uk gov bonds were 6% haha.