With headlines constantly questioning the future of the buy-to-let market, it’s no surprise that many would-be landlords are feeling cautious. Rising interest rates, increased regulation, and tighter margins have all added pressure. But despite the challenges, for those with a long-term view and a strategic approach, property investment remains one of the most reliable ways to build wealth over time.
At brikk, we continue to help landlords achieve solid rental yields and steady returns. It’s not without hard work, but with the right mindset and the right letting agent by your side, it’s still a smart move.
Why the Negativity?
Recent years have seen a steady stream of rule changes: tax relief reductions, energy efficiency targets, increased licensing, and now a jump in the Additional Dwelling Supplement (ADS) to 8% in Scotland. Add to that talk of rent controls and tenant reforms, and it’s no wonder some landlords are choosing to sell up.
But these changes don’t mean the end of property investment – they simply mean the start of a more professional, long-term approach. The days of the get-rich-quick landlord may be gone, but for those ready to play the long game, the opportunities remain strong.
Long-Term thinking pays off
Property is a slow burner, not a lottery ticket. It rewards consistency, good planning, and sound advice. If you’re in it for long-term rental income and steady capital growth, and you’re prepared to weather the ups and downs, it can still outperform many other asset classes.
Successful landlords today are the ones who:
- Stay on top of legal requirements and compliance
- Invest in properties that suit the local market
- Keep homes well-maintained to attract long-term tenants
- Work with experienced letting agents who protect their investment and time
Upfront Costs for Buy-to-Let in Scotland (2025)
Before you purchase, here’s a realistic look at what you’ll need to budget:
- Deposit – Usually 25%+ of the property’s value
- Mortgage Fees – Application, valuation, and arrangement fees
- LBTT (Land and Buildings Transaction Tax) – Applies on properties over £145,000
- ADS (Additional Dwelling Supplement) – Now 8% of the total purchase price
- Legal Fees – Conveyancing and registration costs
- Landlord Registration – £82 principal fee + £19 per property (every 3 years)
- Letting Agent Setup – Marketing, tenant checks, and lease creation
- Compliance Upgrades – Budget for smoke alarms, EICRs, EPC improvements, and any essential repairs
Ongoing Costs to Expect
Owning a rental property isn’t just about the purchase price. You’ll also need to factor in:
- Mortgage repayments (if applicable)
- Buildings & landlord insurance
- Letting agent management fees (typically 10–12%)
- Annual safety checks – Gas Safety, EICR, PAT testing, etc.
- General maintenance and repairs
- Void periods – times when the property isn’t let
- Tax on rental income (and accountancy fees if applicable)
Our advice: Be smart, not scared
We won’t sugar-coat it; buy-to-let isn’t as simple as it once was. But it’s far from dead. If you’re prepared, informed, and supported by the right team, you can still build a successful and sustainable property portfolio.
At brikk, we work with landlords to help them make informed choices, navigate new regulations, and maximise their investment over the long term. We offer discounted management packages for new investors and are always happy to chat through potential purchases before you commit.
Interested in what’s coming to market?
We have several new investment properties launching soon. If you’d like to be the first to know, or simply want to talk through your investment goals, we’d love to hear from you.
Call: +441382540545 or WhatsApp: +447892891116
Email: nykky@brikkhaus.com
