Case Study: First time BTL investor

First-time BTL investor seeking alternatives to equity

Cash available: £200,000
Property purchased: £520,000

Our Client

  • A young professional, employed in the City and living in Surrey.


  • An existing property in the South East with substantial positive equity
  • Small equity portfolio
  • ISAs and savings

Reason for Enquiry

  • Expressed an interest in buy to let owing to recent publicity
  • Considered owning a rental property as a good alternative to an equity portfolio
  • Significant equity in own home
  • Came to Temples London after a recommendation from a friend

Temples London Role

  • Evaluated financial position, needs and aspirations with assistance of IFA
  • Independently sourced good investment opportunities in SW11
  • Advised on purchase of Yield Plus added-value property


  • Refinanced own home to raise cash for investment purchase
  • Suitable property agreed within 3 weeks
  • Temple Field managed the purchase, furnishing and letting of the newly acquired property


  • Temples London agreed the purchase at £20,000 less than the highest bid
  • Gross yield of 6.4% expected
  • Capital appreciation expected due to the location close to Battersea Power Station and the new Northern Line underground station due to open in 2020
  • Most costs of BTL can still be offset against tax