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5 Things to Consider when Paying Down Your (Buy to Let) Mortgage

5 Things to Consider when Paying Down Your (Buy to Let) Mortgage

1. It is confusing

HMRC seems to have lots of issues with it when calculating interest relief. It creates headaches if they investigate you.

2. It could be better invested

Based on our calculations someone who is 35 would be 3x better off by 65 if they used a LISA and Pension.

3. It locks the money away

The only way to get the money back is to release equity from your property which is often difficult.

4. Make the calculation

We have a handy spreadsheet to help you work out what is better or one of our guardians can help you.

5. Increased Inheritance Tax

In a pension the money would have 0% IHT in most cases. However, equity in a property will be taxed at 40% above £325k.


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Tips originally shared on Social Media find us by searching for @legacyguardiansco

Legacy Planning can be complicated… time to stop researching and start doing!

Vikki Baptie

NRLA Accredited Landlord and IPW Professional Will Writer

I’m Vikki, the founder of Legacy Guardians. I hope this article was helpful, but I can probably guess that it’s about time that you stopped researching and got on with getting everything in order.

I know how it can be hard juggling everything with 15 properties, 3 kids, 1 dog, 1 Property Business and another couple of trading businesses things like succession and legacy planning usually go on the backburner. (thank goodness for my business & life partner Shaun!)

Take back your time, and gain that all important financial peace of mind by working through my Landlord Legacy Framework.