The cost of living crisis has significantly strained household finances, making property investment less accessible and more challenging. High borrowing costs and elevated house prices have limited affordability, but with interest rates on a downward path, there are signs of recovery. Improving economic conditions offer a glimmer of hope, potentially encouraging renewed confidence among investors.
The primary threat to the market lies in ongoing regulatory and tax pressures. Stricter rules for landlords, such as the proposed Renters’ Rights Bill, and higher stamp duty and capital gains tax rates, are increasing the financial burden on investors. Combined with lingering affordability issues, these challenges risk deterring potential buyers and constraining market growth.
Amid these challenges, younger generations’ interest in property investment presents an opportunity for growth. By offering indirect investment options or tailored guidance on affordability, providers can bridge the gap for some of these young investors. This approach should enable greater participation, broadening access to property markets.
Affordability and regulations challenge property investment, but falling interest rates and varied group interest show there are still opportunities.
Stefania Apostol, Senior Financial Services Analyst
The main focus of this Report is on residential buy-to-let. Additionally, the consumer research also considers other types of investment property, such as second homes, holiday lets and commercial property let.
Mintel uses the following definitions:
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