Merryn Somerset Webb

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7,023 appearances 46 recordings 1 series first heard Apr 2026 last heard 2d ago

Merryn Somerset Webb’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 46 in all, peaking in Jun 2026 with 13.

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Merryn Talks Money · Is Buy-to-Let Still a Good Investment? · 23 Sep 2026 podcast

So you could put down a small deposit, uh, huge leverage, and then rely on paying an interest only mortgage off from the yield, and then assuming that inflation would mean that the remaining mortgage was worthless or negligible thirty years after that.

The way you say that suggests that over time, the majority of the return to investors and buy to let has been from capital gains.

But looking at the report, that's not what you say at all.

You say something completely different that the majority of the long term return has been from rental income.

Yeah, because initially you were saying about the very fast house price growth in the in the late nineteen nineties and and two th early two thousands.

At that point, for a lot of people it didn't really matter if you had positive cash flow.

You only had to break even.

I only had to break even and nothing else really mattered because the capital gains made all the difference.

Yeah.

Well, we'll come on to how and why that's switched in a minute.

I just wanted to ask you about there's a wonderful chart in the re in the report.

We'll put it in the show notes, a link to the report, uh, which suggests that every one pound invested in nineteen ninety six is worth uh twenty two pounds and thirtyp today.

It's absolutely marvelous.

So it outperforms absolutely everything.

But what are the assumptions in there that assumes what level of deposit, what level of loan, et cetera?

How does how does that work?

suppose my my question was that the this assumes that the byte let investor has a mortgage.

Yes.

So it's a it's a difficult comparison because you're not allowed to borrow two hundred and fifty thousand pounds to invest in well you you could if you but you can't actually borrow against uh investing in the same way.

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