How much do you need to buy a buy to let in the UK in 2026? Everybody thinks it's £150k. It isn't. On a £100k house the real cost is about £65k all in, and you can get started with around £40k. Here's the maths.

Want help buying your first buy to let or scaling your portfolio? Book a call with me or my team:

https://vsl.simonfrewin.com/?utm_sour...

The tool I use in this video to find deals, free to get started (affiliate link):

https://propertyengine.co.uk/r/sifrewin

Most people open Rightmove, see houses at £250k or £300k, and decide property investing is too expensive and they've missed the boat. They're looking in the wrong areas at the wrong stock. My sweet spot is a tired 2 or 3 bed freehold terrace or semi between £70k and £150k, on the edge of a city with jobs and good commuter routes, renting for £800 to £1,200 a month.

What a £100k buy to let really costs:
Buy to let deposit at 25%: £25k
Stamp duty (5% second home surcharge) and fees: £7k
Refurb: £30k (kitchen, bathroom, boiler, carpets, paint)
Buffer: £3k
Total: £65k

In this video:
What to buy: the price range, the property type and the tenant I'm after
Where to buy: the UK areas I like right now, and the ones I'd avoid
How I find a discounted deal in a few minutes, live on screen
How to start with £40k using bridge to let finance and paying the builder in stages
How buy, refurbish, refinance leaves about £23k in a house worth £155k

World class deal analyser here: https://sis-property-academy.com/deal...

Steal My Exact Buy To Let System (For Free): https://six-step-system-by-si.netlify...

Have any property questions? Feel free to DM me and I will personally respond:
Instagram: Instagram: thesifrewin
LinkedIn: LinkedIn: simon-frewin-9a531457

Chapters
0:00 Do you really need £150k?
0:27 Who I am and where I invest
0:51 "Property's too expensive, I've missed the boat"
1:25 How much you need for a buy to let in 2026
1:37 What to buy: my £70k to £150k sweet spot
2:41 Where to buy: the UK areas I like right now
3:19 The areas I'd avoid
3:53 Rents, yields and getting good tenants
4:33 What a £100k house really costs
5:17 Deposit, stamp duty, refurb and buffer: £65k all in
6:10 Finding a deal in minutes on Property Engine
9:41 Starting with £40k
10:13 Bridge to let and paying the builder in stages
10:50 Family, investors and unsecured loans
11:44 A £155k house with £23k left in
13:55 "But what about the debt?"
14:43 Your new belief
15:09 What to do next

I've been in property for about 10 years and been involved in over £10 million of deals. Some went well, some didn't, and I've made money and lost it. These days I coach people starting out in property while I keep building my own portfolio.

The numbers in this video are rounded to show the principle. It's not financial advice. Borrowing to invest carries risk, so speak to a broker and a good accountant before you take on any lending.

#buytolet #ukproperty #propertyinvesting