Updated October 2026 · Fraser Bond
Investment · Getting started
Investing with little or no money
| Route | What you need | Watch out for |
|---|---|---|
| Joint venture | Skills, time, a written agreement | Unclear splits; FCA rules on raising money |
| Rent-to-rent | Owner consent, HMO licence if needed | Unauthorised subletting; Renters' Rights rules |
| Lodger | A spare room | Mortgage and insurance terms |
| Deal sourcing | AML registration, redress scheme, ICO | Operating unregistered |
| REITs/funds | Small sums | Market risk |
Low-money routes compared
Buy-to-let usually needs a 25% deposit plus stamp duty (including the 5% surcharge) and fees.
Frequently asked questions
Keep exploring
How to Make Property Investment in London a SuccessINVESTING GUIDE
Is Now a Good Time to Buy a Buy-to-Let in London?INVESTING GUIDE
Finding High-Yield Rental Property in London
Browse every guide in The London Property Investor's Hub → · London area guides →
Handy tools
Stamp duty calculatorRental yield calculatorMove-in costsBTL deposit calculatorRefurb cost per m²
Ask us for a yield and rental appraisal.
Can I buy a property with no deposit?
Rarely, and usually with significant risk.
Is rent-to-rent legal?
Yes, with the owner's, lender's and freeholder's consent and any licences.
Can Fraser Bond help me find investment property?
Yes.