Episode Details

FREE Training & More : https://linktr.ee/russellleeds

Thinking of investing in 2026? We're breaking down the five key rules for buying a buy-to-let property so you can make an informed decision on whether it's the right investment for you. Hosts Russell and Anna discuss the power of leverage, the real costs of buying a property, essential investment formulas, and where to buy for the best returns.

Timestamps:

00:00 - Introduction: 5 Key Rules for Buy-to-Let in 2026

00:26 - Rule #1: The Power of Leverage in Property

00:40 - Comparing borrowing for the S&P 500 vs. Property

01:03 - Why property is a "tangible asset"

02:50 - Land is the appreciating asset, not the property

03:46 - Why property leverage is "amazing"

04:50 - Property vs. S&P 500: A 10-Year Comparison

07:11 - ROI Comparison: Property crushes S&P 500 (even with half the growth)

11:10 - Rule #2: The Actual Costs of Buying Property

11:26 - Buy-to-Let Deposit (typically 25%)

11:54 - Stamp Duty for Investment Property

12:28 - Other Costs: Legal Fees, Survey Fees, Broker Fees

14:37 - Rule #3: Investment Formulas (Yield vs. ROI)

15:14 - Why Return on Investment (ROI) is more important than Yield

15:43 - How to calculate Gross Yield

17:24 - The Formula for Return on Investment (ROI)

18:32 - What makes a "good" ROI (10% vs. 20%+)

20:11 - The Importance of the Stress Test

21:37 - Why the property must stack as a normal buy-to-let

22:14 - Rule #4: Where to Buy (Area and Property Type)

22:35 - The Golden Triangle: Nottingham, Liverpool, Yorkshire

23:48 - The benefit of investing in areas you know well

24:47 - Why Northern yields are "much better than they are down south"

25:09 - Freehold vs. Leasehold

27:26 - Choosing a smaller family home (2-4 bed) for investment

29:41 - Buying near a school, park, or shops

30:30 - New Build vs. Resale (The "New Build Premium")

32:32 - Rule #5: Compliance and Protection (Structure and Tax)

33:39 - Limited Company vs. Personal Name (Section 24)

34:57 - Key Safety Compliance: Electrical, Gas Safety, and EPC

35:50 - Free Training Session for High ROI (20%+) Strategies

FOLLOW US ON SOCIAL MEDIA:https://www.instagram.com/russellleeds/https://www.instagram.com/anna.n.leeds/