E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis
The Pension Confident PodcastShow Notes
Becoming a landlord with Buy-to-Let properties has often been seen as a way to build long-term wealth. But with brand new rules, higher taxes and more paperwork, it's becoming harder to turn a profit. Did you know that since 2022, the rental sector is the only area of the housing market to have lost value? So, are Buy-to-Lets still a good bet? And where does this leave existing landlords trying to make sense of a changing market? Today, we're breaking down the real story behind Buy-to-Lets and what you need to know before you think about jumping in. Join our host, Philippa Lamb, and our expert panel as they discuss Buy-to-Lets: Buy-to-Let Landlord and Content Creator "Property Empress", Anna Pearce; and Mortgage Adviser, Michael Annis.
Episode breakdown 01:23 What's happening to the property market? 04:56 The Renters' Rights Act explained 09:06 Are landlords really leaving the market? 11:35 Understanding rental yields 16:28 Eligibility rules for Buy-to-Let mortgages 20:22 Stamp Duty on second properties 22:36 Building a property portfolio 25:44 The risk and reward of buying at auction
Further reading and listening To learn more about property, check out these articles, podcasts and videos from PensionBee: E4: Should you pay more into your mortgage or pension? (Podcast) E22: Why is renting so expensive? (Podcast) Buying a property: the basics (Video) Buying a property with someone (Video) How to downsize for retirement (Blog) How to use your property to fund your retirement (Blog) Property inheritance (Video) Renting a property: the basics (Video) Renting in retirement: 3 things to consider for a secure future when you don't own your home (Blog)
Other useful resources Do I need a Buy-to-Let mortgage? (MoneyHelper) Guide to the Renters' Rights Act (GOV.UK) Leasehold vs freehold: what's the difference? (MoneyHelper) Making Tax Digital for Income Tax (GOV.UK) Mortgage fees and costs when buying or selling a home (MoneyHelper) Private rent and house prices, UK: March 2026 (ONS) Renting out your property: guidance for landlords and letting agents (GOV.UK) Stamp Duty calculator (MoneyHelper) Stamp Duty - everything you need to know (MoneyHelper) Tenants' rights and responsibilities explained (MoneyHelper) What is the landlord licensing scheme? (UK Landlord Tax)
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Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Anna Pearce (@propertyempress) on TikTok, YouTube, Instagram, LinkedIn and Facebook. Follow Michael Annis on LinkedIn.
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