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Steffi joined the business in July 2017 as Business Support Executive. Steffi completed her degree in Sports and ...
Steffi joined the business in July 2017 as Business Support Executive. Steffi completed her degree in Sports and Coaching Studies from Oxford Brookes University and was seeking a role where she could utilise her sports education background. At the time, Sports Cover Direct was the more dominant company brand and the role of Business Support was the perfect graduate job to step into.
The first 4 years involved Steffi learning the insurance products and helping navigate the company’s internal policies and procedures. With the growth of the business and keenness for a leadership role, in late 2021 Steffi took on the role of Sales Operations Manager. Steffi now manages a team of Insurance Sales Executives, focusing on the smooth running of the department and improving sales performance.
If you are looking to join the estimated 2.7m landlords in the UK investing in property, it may be useful to consider which buy-to-let strategy is most suitable for you. We hope the following guide will help you in your buy-to-let property venture.
About us
Our Rent Guarantee Insurance policy protects your income stream if your tenants fail to pay their rent, as well as providing you with legal expenses cover to help you pursue those rent arrears*.
What is a buy-to-let strategy?
When you invest in a buy-to-let (BTL) property, you are buying a property specifically to rent out to tenants. They pay you rent, and you should, after expenses, still make a monthly income from that rent. Giving you extra monthly income.
The property will hopefully also increase in value, meaning that you could expect long-term capital gains**.
Defining your BTL strategy can help you decide on the types of property to invest in and the types of tenants you want to attract.
What are the different types of buy-to-let?
There can be many ways to invest in property, including but not limited to:
Residential properties
Having a single let – this is a single property, a house or flat, that you rent to a family, couple, single person or group of friends.
Investing in a ‘House in Multiple Occupation’ (HMO) – HMO’s are typically properties that have several tenants from different households sharing some facilities. A student house is a great example of this.
Portfolio property investment – this is where you own four or more mortgaged properties – for example, a block of flats or several different homes.
Commercial properties
Commercial – this is where you rent out a commercial property (the benefits tend to be longer-term agreements)
Commercial to residential development opportunities – for example, you buy a warehouse and convert it into flats.
Other property investment strategies
There are also other strategies such as Serviced Accommodation (Holiday lets or corporate lets) and “flipping” properties (where you buy a property in need of TLC, renovate it and then sell it for a profit).
Which buy to let investment strategy is appropriate for you?
We’ve outlined several property investment strategies above. Choosing the most suitable option for you is a matter of personal choice and circumstance.
Considerations may include how much money you have to invest, whether you want to be hands-on or use a managing agent, whether you have renovation and building skills (if you are looking to ‘flip’ a property for example), and your attitude to risk.
Get Rent Guarantee Insurance from Protectivity
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
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My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.
For the small businesses we support, insurance and financial protection can sometimes seem complicated, especially when getting started. That’s why our content is designed to be clear and practical—providing helpful guidance and ensuring our customers not only find the specialist cover they require but are confident it will do the job they need.
