The Passive Property Investor

Interest Rates, Inflation & BTL: The REAL Numbers Nobody Shows You

The Passive Property Investor

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Interest rates are still high, inflation has eaten into everyone’s pockets, and landlords across the UK are asking the same question:

➡️ Is Buy-to-Let still worth it in 2025?

In this video I break down:
• Real BTL mortgage rates (2018–2025)
• Rent growth vs inflation
• Yield vs interest rate pressure
• Cashflow stress tests (+1% and +2% rates)
• Tenant affordability and demand
• Regional yields and investor activity in 2025

If you’re a landlord or thinking about investing this year, you need to understand how rising costs, higher mortgage rates and the cost-of-living squeeze are changing the rental market.

Graphs covered in this video:
1. BTL mortgage rates 2018–2025
2. Rent vs inflation
3. Yield vs mortgage rate
4. Cashflow stress test
5. Rent-to-mortgage ratio
6. ICR vs yield
7. New BTL loans 2023–2025
8. Cost-of-living breakdown
9. Regional yield comparison
10. Break-even rent vs actual rent

If you're a landlord trying to stay profitable in 2025, this video gives you the numbers you need to make real decisions — without the hype.

#BuyToLet #LandlordLife #PropertyInvestment #UKProperty #BTL2025 #InterestRates #Inflation

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Badar Ahmed PhD.