PropTerminal Strategy Guides
Property Investment Strategy Guides
Complete, step-by-step guides to every property investment strategy — clearly defined and explained professionally, from the very first decision through to exit, without skipping a step.
How to Do Buy-to-Let: The Complete Start-to-Finish Process
The complete buy-to-let process end to end: set your goal, finance it (25% deposit, interest-only, ICR stress test), pick a high-yield area, appraise net cashflow after Section 24, buy, make it compliant, let it, then remortgage or sell. Includes a worked £150k deal, a rent-vs-costs breakdown, and the mistakes that quietly turn a "good yield" into a loss.
Read guideHow to Do an HMO: The Complete Start-to-Finish Process
The full HMO process: check licensing and Article 4 before you buy, finance with a specialist mortgage, appraise room-by-room income, convert to council fire-safety standards, licence it, then let rooms individually for far higher yield. Includes a 5-bed worked example showing HMO income vs a single let, the higher running costs, and the compliance traps that get landlords fined.
Read guideHow to Do BRRR: Buy, Refurbish, Rent, Refinance — Start to Finish
The full Buy, Refurbish, Rent, Refinance cycle: buy below value with cash or bridging, force the value up with a controlled refurb, let it, then remortgage at up to 75% of the new (GDV) value to pull your deposit and refurb money back out and recycle it. Includes the exact "money left in" calculation, a before/after value chart, and why an over-optimistic GDV is what sinks most BRRR deals.
Read guideHow to Do Serviced Accommodation & Short-Lets: Start to Finish
The full serviced accommodation / short-let process: confirm the lease, planning and mortgage even allow it, pick a high-demand location, model nightly rate × occupancy honestly, furnish to hotel standard, list on Airbnb/Booking.com with dynamic pricing, then run it as a hospitality business. Includes an occupancy-based revenue example vs a standard let, the cost stack, and the demand/regulation traps that catch new operators.
Read guideHow to Do Commercial Property Investment: Start to Finish
The full commercial process: understand how commercial differs (long FRI leases, tenant pays repairs, valued on yield, higher void risk, cheaper SDLT), assess tenant covenant strength and WAULT, arrange relationship-driven finance, appraise on net yield, do heavy due diligence (VAT, rates, contamination), then manage the lease events. Includes a worked "value = income ÷ yield" example showing how a small rent rise creates a large capital gain.
Read guideHow to Do a Flip or Small Development: Start to Finish
The full buy-to-sell and small development process: treat it as a business, set a minimum profit margin, find a real gap between total cost and end value (GDV), fund it with bridging/development finance, resolve planning, run the build to budget and timeline, then sell for a lump sum taxed as income. Includes a residual-valuation example showing the maximum you can pay, a profit breakdown chart, and the cost/time traps that erase margin.
Read guidePersonal vs Limited Company: How to Choose and Set It Up
How to decide between owning property personally or through a limited company (SPV): understand why Section 24 changed everything, weigh the trade-offs (full interest relief and reinvestment vs double tax and admin), decide based on your tax band and goals, then set up the SPV correctly. Includes a side-by-side tax comparison for a higher-rate landlord showing how much Section 24 really costs.
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