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How Much Money Do You Need to Invest in UK Property?

Deposit plus taxes, fees and a buffer.

How Much Money Do You Need to Invest in UK Property? Property Investment & Wealth Building

Updated October 2026 · Fraser Bond

Investing · Costs

Cash needed to invest

25%deposit
+5%SDLT surcharge
Fees& compliance
Bufferfor voids
In short: For a typical buy-to-let you'll need a deposit of around 25% of the price, Stamp Duty including the 5% surcharge on additional homes, legal, survey and mortgage fees, the cost of getting the property compliant and ready to let, and a cash buffer of a few months' costs for voids and repairs. Alternatives with lower entry costs include property funds and REITs, though they carry their own risks.
Cash needed (rough guide)
Deposit–
Stamp Duty (approx., additional home)–
Total cash needed–

England rates for an additional home, UK resident. Check with our stamp duty calculator.

Frequently asked questions

How much deposit for buy-to-let?

Usually around 25%.

Is there a cheaper way in?

Funds and REITs, with different risks.

Investing in London?

Talk to our team or get a free valuation.

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