If you’ve spent any time on social media lately, you’ve likely seen the headlines: “Buy-to-Let is Dead.” With rising interest rates, the removal of mortgage interest relief (Section 24), and the looming Renters’ Rights Bill, it’s easy to see why amateur landlords are running for the exits. However, for the professional investor, the reality on the ground is very different.

In this session, we strip away the “doom and gloom” to look at the actual numbers. We explore why many landlords are currently enjoying higher monthly profits than they did during the era of sub-2% interest rates. The secret lies in a “flight to quality”—focusing on high-natural-yield areas like Stoke-on-Trent and the North East, where rental growth is actually outstripping the increase in mortgage costs.

What You’ll Learn in This Post:

• The “Natural Yield” Benchmark: Why you should be aiming for an 8-10% yield on purchase price to stay protected against rate fluctuations.

• Why Rents are Rising Faster Than Mortgages: Real-world examples of how a £150 mortgage increase is being offset by £250+ rent hikes.

• The “Zero or One” Tax Lever: Why your choice of ownership (Personal vs. Limited Company) is the single biggest factor in whether your cashflow lives or dies.

• The Capital Growth Bonus: Why long-term wealth is built in the background while your monthly cashflow provides the stability to keep you in the game.

Whether you are a seasoned portfolio landlord or just looking to buy your first investment, understanding these levers is the difference between a struggling side hustle and a thriving professional business. Don’t let a “mental block” about interest rates stop you from building your war chest in 2026.