Buy-to-let hotspots where you CAN still earn an インフレーション （警官の）巡回区域，受持ち区域ing income

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Landlords can 安全な・保証する の近くに to 二塁打-digit returns as buy-to-let 産する／生じるs are climbing in some parts of the country, new data 明らかにする／漏らすs.

産する／生じるs are eight per cent or higher in areas around Glasgow in Scotland, 含むing West Dunbartonshire, Renfrewshire, East Ayrshire and North Lanarkshire.?

Renfrewshire has seen 産する／生じるs rise by 13 per cent in the past year alone and West Dunbartonshire by seven per cent.

Even in parts of the country where 産する／生じるs are the lowest, it is still possible to make a 肯定的な return, the data from 所有物／資産／財産 portal Zoopla 明らかにする／漏らすs.

産する／生じるs in the 豊富な London boroughs of Kensington and Chelsea, Richmond upon Thames and Westminster are の中で the lowest in the country ? all at under 4.5 per cent.?

However, 産する／生じるs in these areas rose by nine, 11 and 13 per cent それぞれ in the past year.

Up and 負かす／撃墜する the country, tens of thousands of buy-to-let landlords are selling up as it gets ますます difficult to make a good return from 所有物／資産／財産.?

Rising mortgage 率s are piling その上の 圧力 on landlords who are already strug gling with ますます onerous 規則s and a いっそう少なく generous 税金 政権.?

Around 40,000 have sold up over the past five years since 価値のある 税金 救済s were 孤立した in 2018.

However, our 人物／姿／数字s show there are 有望な 位置／汚点／見つけ出すs まっただ中に the 圧倒的な gloom. その上に, as landlords sell up, it 増加するs scarcity of 賃貸しの 所有物／資産／財産s, which helps to 上げる 産する／生じるs for those remaining.

In 需要・要求する...the areas seeing sharp rises

Areas around Glasgow have some of the most resilient 産する／生じるs thanks to a concoction of factors. Stephen McGlone, lettings 経営者／支配人 at Westgate 広い地所 スパイ／執行官s, says: '需要・要求する for 賃貸しの 所有物／資産／財産s is 増加するing as Glasgow University is 速く 拡大するing and bringing in a lot of new people looking for accommodation.

'Morgan Stanley and Barclays are growing their 全労働人口 in the city, so there are a lot of staff looking for accommodation.'

McGlone 追加するs that there is also 需要・要求する for Airbnb 賃貸しのs as Glasgow is a popular place to visit.

Ross McMillan, of Glasgow-based mortgage 助言者 Blue Fish Mortgage 解答s, 追加するs that although there are challenges in the area, as with buy-to-let across the country, landlords are faring 井戸／弁護士席.?

'Landlords here are mostly resilient and 持つ／拘留するing on to their 大臣の地位s with a long-称する，呼ぶ／期間／用語 視野,' he says.

Toby Parsloe, 分析家 for 広い地所 スパイ／執行官 Savills, explains that areas with the highest 産する／生じるs tend to be those where 所有物／資産／財産 prices are lower, but where there is a strong 雇用 market where some 労働者s can afford comparatively high rents.?

Parts of Scotland and areas such as Middlesbrough and Sunderland fit the 法案, the latter of which have 産する／生じるs of 8.2 and 8.4 per cent それぞれ.

He 追加するs that Glasgow in particular has seen '相当な 賃貸しの growth of 33.5 per cent since March 2020, while the number of new 賃貸しの listings is 負かす／撃墜する by 15 per cent, 増加するing 競争'.

...but high 産する／生じるs aren't everything

There are two main ways to make a 利益（をあげる） from buy to let: the income you 達成する from renting out a 所有物／資産／財産; and the 資本／首都 伸び（る） you can make if its value rises.

Ideally, landlords look for 投資 所有物／資産／財産s that can 達成する both. Vanessa Warwick, co-創立者 of landlord 網状組織 PropertyTribes and a landlord herself, says there are no areas that 現在／一般に 申し込む／申し出 both, but individual 所有物／資産／財産s do.?

However, 投資家s will have to do their homework to find them.

'Finding an area that has high 産する／生じるs and high 資本／首都 growth is the 宗教上の grail but I am not sure that such a place 存在するs,' she says. 'Every 場所, every street, every 所有物／資産／財産 will each have a different 始める，決める of metrics that need to be 研究d and understood.'

Ashley Thomas, director at mortgage 仲買人 Magni 財政／金融, says that 投資家s shouldn't やむを得ず be put off by areas with low 産する／生じるs.

'Prime London will always have low 産する／生じるs, but 所有物／資産／財産s in these areas have seen some of the strongest 資本／首都 growth,' he says. 'London is still seen as a resilient and profitable market, 特に for foreign 投資家s.'

However, Warwick believes that landlords should 焦点（を合わせる） more on what they can 達成する through rents. '産する／生じる is money in your pocket that you can spend, 反して 資本／首都 growth is 思索的な and takes many years to 蓄積する,' she says.?

'It should not be the main 焦点（を合わせる） for most landlords unless they have 重要な other income.'

Hotspot: 賃貸しの 産する／生じるs are high in Glasgow where 商売／仕事 i n growing

Why it can still be hard to make a 利益（をあげる）

A 近づく 二塁打-digit 産する／生じる may look good at first, as it より勝るs the best 貯金 率s (now at around six per cent) and 普通の／平均（する） returns on 公正，普通株主権s and 社債s.

However, even for landlords seeing the best 産する／生じるs, it is still a very difficult 環境 to make a good return.

In 新規加入 to the usual 維持費s that eat into returns, landlords are having to 投資する to 確実にする their 所有物／資産／財産s 会合，会う new 基準s of 最小限 energy efficiency from 2028 ? or else 直面する 罰金s.

But perhaps the greatest 緊張する is 急に上がるing buy-to-let mortgage 率s. The 普通の／平均（する） two-year 直す／買収する，八百長をする was 4.04 per cent in August last year but now stands at 6.64 per cent, によれば data scrutineer Moneyfacts. Landlords who are remortgaging are seeing their 利益（をあげる）s decimated.

Peter Gettins, 製品 経営者／支配人 at L&C Mortgages, says: 'In August 2022, you could get a two-year 直す／買収する，八百長をする with no 料金 at 3.89 per cent.

'Today the 同等（の） 製品 is 7.22 per cent, so for a £150,000 貸付金 that means 支払い（額）s go from £486 a month last year to £903 now.'

吊りくさび Shaw, mortgage 仲買人 at Mansfield-based Shaw 財政上の Services, believes that rising 利益／興味 率s make it impossible to make a 利益（をあげる） from buy-to-let in most areas unless you own your 投資 所有物／資産／財産s 完全な or have a lot of 公正，普通株主権.

'Unless you've got a 50 per cent deposit, in most parts of the country buy-to-let is dead,' he says.

冷気／寒がらせる zone: Kensington in London is at the 底（に届く） of the 産する／生じる league

Some 貸す人s are also 強化するing their affordability 支配するs for landlords, which piles on even more 圧力. These 支配するs 要求する landlords to show they can 支払う／賃金 a higher mortgage 率 and then make a higher income on 最高の，を越す of that.

For example, last Wednesday, Santander 増加するd its affordability 率 by almost one 百分率 point, from 7.59 per cent to 8.52 per cent.?

That means that a landlord with a £100,000 buy-to-let mortgage would have to show they have a 賃貸しの income of £994 a month ? up from £885 as a result of the changes.?

Imogen Sporle, managing director at London-based Finanze 所有物／資産／財産, said: 'Contrary to popular belief landlords do not rub their 手渡すs together in glee as they 増加する their tenant's rent.

'They know this is a difficult time for many and 増加するing the rent could lose them the tenant altogether.

'But not 増加するing the rent could （判決などを）下す the 所有物／資産／財産 unmortgageable, meaning the only 選択 is to 立ち退かせる the tenant and sell up.'

So, is buy-to-let still 価値（がある） doing?

Even though there are some 広大な／多数の／重要な 産する／生じるs to be 設立する, growing numbers of landlords are 尋問 whether it is 価値（がある） the 成果／努力 compared to other 選択s 利用できる.?

When 利益／興味 率s on 貯金 were low, it was 価値（がある） 付加 成果／努力 to get a much better return through buy-to-let.

But now 貯金 率s have 攻撃する，衝突する six per cent, it no longer makes as much sense to spend time finding tenants, 直す／買収する，八百長をするing broken boilers and 取引，協定ing with コンビナート／複合体 税金s for an 付加 百分率 point or two of income.

Shaun Robson, 長，率いる of wealth planning at Killik & Co, says: 'Many of our （弁護士の）依頼人s are looking at the numbers and deciding that it is just not 価値（がある） it, even if they are getting a reasonable 産する／生じる.

'Some landlords whose mortgage 取引，協定s are ending are deciding it is a good time to sell up.'