OpenTube

Buy To Let VS Stocks And Shares ISA — Which One Will Make You More Money?

UK Finance Simplified

56,022 views

We compare the real 20-year numbers behind property investing and a Stocks & Shares ISA, including mortgage leverage, stamp duty, landlord costs, Section 24 tax, capital gains tax, ISA allowances and compound growth. The result is much closer, and more surprising, than most people expect.

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20 Comments

@UKFinanceSimplified Creator 2 weeks ago Pinned

If you had £70,000 today, would you put it into a buy-to-let property or a Stocks & Shares ISA?
And what matters more to you: monthly cash flow, leverage, tax efficiency, or simplicity?

@rotty66 11 days ago

200 quid tap washer and 4k for a boiler, someone's trades are having his pants down

@erenkur3832 13 days ago

We had a small plot of Land in Antalya Turkey, inherited from grandfather. It developed and gave us 3 flats. We kept the one but my father sold the remaining believing renting reduce value of the house. Invested it in the stocks. However Russian Ukrainian war started and house prices got really expensive later. Pandemics and crisis fuelled the stock market but at the end my father cant buy two flats with his money now. I don't know about England but here in Turkey it is good to have some property. But you need to diversify it. Bonds, Gold, property, stocks. All have its own period

@paulrowan4511 12 days ago

Plus the other huge advantage of a landlord, is that they can get huge amounts out of the property at a time they choose. Similarly fix the mortgage rate for years when it’s low. Or write off massive chunks of the capital gains due to costs. Etc etc etc

@eibidnall 13 days ago

I got out of the buy to let market with all the rules that came in in Wales. I’m making more money through investing in a stocks and shares ISA and maybe more importantly much less stress from bureaucracy, broken boilers and dirty tenants.

@simon8864 11 days ago

I'll be selling my rental property the moment my tenant leaves.
I'll put the capital against my own mortgage and a bit in a stocks isa

@33LB 13 days ago

buy to let involves work. stocks and shares ISA is almost zero work.

@jamiswar 12 days ago

This is not a direct comparison, as you assume Callum pockets his rental profits (when he makes them). For it to be directly compared you have to assume he would invest and save the profits to buy a second property when the opportunity arises.

@Mark-Suffolk 7 days ago

Having both I’d say massively avoid BTL…..if you want to go property route, 20k into an S&S ISA and purchase a REIT

@AstroZombie1138 12 days ago

I have just been talking to a couple of landlords outside mid 60's - 70's after a tenant leaves they come in to clear up and clean surfaces ready for the next one but they said there is no next one currently I said the geezer next to me sold up last year after twenty years. They said they are thinking of doing the same as getting too old. I think this could be the future for a lot of BTL wheres ISA have no work to do. It is horses for courses but I'll take the easy option every time.

@anthonygoldsby87 13 days ago

It depends on annual asset appreciation, your downpayment or cash buyer. Rental is an inflation hedge. SMH etf is up 80% over the past year.

@Moneyscenario-m8s 13 days ago

This is true

@ogopinions9082 8 days ago

I'd put the buy to let on a repayment mortgage and or put the profit in an ISA

@Shamos100 7 days ago

I would like to know what happens if you do both

@trevorb5978 13 days ago

I have three BTL for 10 years Never paid an agent. Never had more than a week empty.

@holisticallyme556 4 days ago

Parents need to help their kids to fish not fish for them!
My son is on a £20k salary he is 17 lives with me, because he doesn’t have any fixed cost (I offered as long as he invests circa £650 of his salary on S&P 500)…if he lives with me until he is 24 and continuously invest, he will have £73k - not included any salary increase. He is still left with £1k to spend monthly. Did this for my daughter she is 24, half of her mortgage paid because stock market performed amazingly well over the last 6 years!

@RPaton 13 days ago

Do house prices go up, or does the value of money collapse?
Inflation gives the illusion of houses going up in value.
Interest rates are about to increase to double and more.....

@AbiramiThirunavukkarasu 8 days ago

Buy a house for you to stay , invest rest of the money in ISA. Very simple.
Being a home owner in UK, trust me the maintenance cost way more than what is explained on this video!
Do you think the floor, appliances, fixtures, walls, driveway, roof stays new for 15-20yrs, houses in UK are not assets they are sitting liabilities they are too old and needs more maintenance than my grandma.
I'm bleeding over my 50yrs old house in Manchester!

@meechan1801 13 days ago

Do both and more, gold, bonds etc. Diversify if you can.

@somethingfilms24 12 days ago

Yeh, if he bought in Sunderland or Burnley, he would have comfortably beat her. But if she'd been overweight in tech stocks, or bought Rolls Royce 5 years ago, she would have completely annihilated him. These outliers are moot.