Updated October 2026 · Fraser Bond
Investment · UK property
Is UK property a good investment?
Income& growth
Leverageboth ways
Costs& tax
Liquiditylow
In short: UK property has produced long-term returns from rent and price growth, and mortgages let investors control a larger asset. But it's expensive to buy and sell, illiquid, concentrated in one asset, and more heavily taxed and regulated than before, with the 5% stamp duty surcharge, limited mortgage interest relief for individuals and the 2026 Renters' Rights rules. It works best for long-term investors who buy carefully, manage well and keep reserves. Compare it with diversified investments like funds or REITs.
| Direct property | Shares/funds | |
|---|---|---|
| Income | Rent | Dividends |
| Leverage | Mortgage | Rare |
| Costs to trade | High | Low |
| Liquidity | Low | High |
| Control | High | None |
Compare
Frequently asked questions
Is property better than shares?
Neither is always better; they suit different goals.
Can Fraser Bond help me invest?
Yes, in London.
