E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis

Becoming a landlord with Buy-to-Let properties has often been seen as a way to build long-term wealth. But with brand new rules, higher taxes and more paperwork, it's becoming harder to turn a profit. Did you know that since 2022, the rental sector is the only area of the housing market to have lost value? So, are Buy-to-Lets still a good bet? And where does this leave existing landlords trying to make sense of a changing market? Today, we're breaking down the real story behind Buy-to-Lets and what you need to know before you think about jumping in. Join our host, Philippa Lamb, and our expert panel as they discuss Buy-to-Lets: Buy-to-Let Landlord and Content Creator "Property Empress", Anna Pearce; and Mortgage Adviser, Michael Annis.   Episode breakdown 01:23 What's happening to the property market? 04:56 The Renters' Rights Act explained 09:06 Are landlords really leaving the market? 11:35 Understanding rental yields 16:28 Eligibility rules for Buy-to-Let mortgages 20:22 Stamp Duty on second properties 22:36 Building a property portfolio 25:44 The risk and reward of buying at auction   Further reading and listening To learn more about property, check out these articles, podcasts and videos from PensionBee: E4: Should you pay more into your mortgage or pension? (Podcast) E22: Why is renting so expensive? (Podcast) Buying a property: the basics (Video) Buying a property with someone (Video) How to downsize for retirement (Blog) How to use your property to fund your retirement (Blog) Property inheritance (Video) Renting a property: the basics (Video) Renting in retirement: 3 things to consider for a secure future when you don't own your home (Blog)   Other useful resources Do I need a Buy-to-Let mortgage? (MoneyHelper) Guide to the Renters' Rights Act (GOV.UK) Leasehold vs freehold: what's the difference? (MoneyHelper) Making Tax Digital for Income Tax (GOV.UK) Mortgage fees and costs when buying or selling a home (MoneyHelper) Private rent and house prices, UK: March 2026 (ONS) Renting out your property: guidance for landlords and letting agents (GOV.UK) Stamp Duty calculator (MoneyHelper) Stamp Duty - everything you need to know (MoneyHelper) Tenants' rights and responsibilities explained (MoneyHelper) What is the landlord licensing scheme? (UK Landlord Tax)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Anna Pearce (@propertyempress) on TikTok, YouTube, Instagram, LinkedIn and Facebook. Follow Michael Annis on LinkedIn.   Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected].