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Press pack

Is buy-to-let still worth it? The press pack

Free to use with credit and a link: name LetCompliance as the source and link to letcompliance.com/buy-to-let-by-council. The figures, the method and every council are on the study page.

Published
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Source: LetCompliance, letcompliance.com/buy-to-let-by-council

The release in three lengths

Each carries the source line and the link. Copy any of them as it stands.

Short version (about 50 words)

A landlord who buys England’s average flat with a 25% deposit takes 10.5 years to earn back the £67,440 put in from the rent (basic-rate taxpayer, 2026-27; stamp duty at the rates for additional homes, fees not counted): 4.4 years in Boston, 64.2 years in Kensington and Chelsea. Source: LetCompliance, letcompliance.com/buy-to-let-by-council

News story (150 to 200 words)

Is buy-to-let still worth it? A landlord who buys England’s average flat with a 25% deposit takes 10.5 years to earn the money back from the rent, a council-by-council index from LetCompliance shows: 4.4 years in Boston and 64.2 years in Kensington and Chelsea.

The landlord puts in £67,440, including £12,799 of stamp duty at the rates for additional homes (fees not counted), and keeps £533.11 a month from England’s average 2-bed rent of £1,341 a month (ONS, September 2026) as a basic-rate taxpayer in 2026-27, after an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, income tax and the compulsory costs of letting.

A higher-rate taxpayer with the same loan pays more income tax on the let than they keep from it in 292 of 293 councils.

Of the 9 regions, London keeps the least per £100 (£33.43) and the most a month (£748.43).

At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the landlord with no mortgage keeps £26.50 a month less and the one with a 25% deposit £13.33 less. Not tax advice.

Source: LetCompliance, letcompliance.com/buy-to-let-by-council

Full release, with notes to editors

For immediate release: 6 November 2026
Press contact: hello@letcompliance.com

Is buy-to-let still worth it? What a landlord keeps from every £100 of rent, council by council

A landlord who buys England’s average flat with a 25% deposit takes 10.5 years to earn the money back from the rent, and 21 years if they pay higher-rate tax, a council-by-council index from LetCompliance shows. In Boston it takes 4.4 years; in Kensington and Chelsea, 64.2 years.

The landlord puts £67,440 into England’s average flat (£218,563), including £12,799 of stamp duty at the rates for additional homes (fees not counted). From the average 2-bed rent of £1,341 a month (ONS, September 2026), a basic-rate taxpayer keeps £533.11 a month in 2026-27, £39.75 of every £100, after an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, income tax and the compulsory costs. With no mortgage: £1,059.85 a month.

A higher-rate taxpayer with the same loan keeps £268.15 a month while £398.24 goes in income tax, because mortgage interest earns only a 20% credit (Section 24). In 292 of 293 councils, such a landlord pays more income tax on the let than they keep from it.

Where the home is matters as much as the mortgage. With a 25% deposit, the landlord keeps most in Boston (£54.96 per £100) and least in Kensington and Chelsea (£12.07). Without a mortgage the spread is only £3.99 per £100. London keeps the least per £100 of the 9 regions (£33.43) but the most a month (£748.43).

At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the basic-rate landlord with no mortgage keeps £26.50 a month less (£1.98 per £100) and the one with a 25% deposit £13.33 less (£0.99), as the interest credit rises too.

“I run LetCompliance, a property management platform, and work closely with landlords and letting agents across the UK. Take someone putting money aside for retirement who buys the average flat in Leeds, about £150,000, with a 25% deposit. With stamp duty, they need almost £46,000 upfront. The flat brings in £977 a month. The bank takes £456. The Treasury takes £97. Safety certificates, the council licence and the new landlord register (£65 a year, GOV.UK’s published fee) take £35 a month. They keep £389, and that is before an agent’s fee, tenant referencing, a single repair, an insurance bill, an empty month or a tenant who stops paying. At that rate it takes almost ten years just to get their savings back, and only if nothing goes wrong. And on a flat there is a service charge on top: I pay £114 a month on my own. If they already earn more than £50,270, their tax rises to £286 a month and they keep £201: the taxman earns more from their flat than they do. More is on the way: an ombudsman every landlord will have to join, whose fee is not yet set, and a Budget plan to raise property income tax again from April 2027. Many smaller landlords will decide the risk is no longer worth it. And for a young couple hoping to build security through property, finding that money and waiting a decade to see it back is no longer a plan. It is a dream.”
Erdem Volkan, Founder, LetCompliance

The index takes one 2-bed home in each area at the ONS average rent, let all year, and takes off only mortgage interest, income tax and the compulsory costs: a council’s selective licence where one is in force (assuming the home is inside the licensed area), the PRS Database fee of £65 a year (GOV.UK fee; on the published record, the regulations still await Commons approval) and safety certificates. An agent’s fee, tenant referencing, repairs, insurance, empty months, service charges and any rise or fall in the home’s value are not counted. Nothing here is tax advice: speak to an accountant.

Notes to editors. Sources: ONS Price Index of Private Rents (September 2026); HM Land Registry UK House Price Index (August 2026); GOV.UK Stamp Duty Land Tax rates; UK Finance, Buy-to-Let Mortgage Market Update (21 October 2026); each council’s licensing page (read 5 November 2026). Every area, the method and a CSV: letcompliance.com/buy-to-let-by-council. Contains public sector information licensed under the Open Government Licence v3.0 (ONS Price Index of Private Rents; HM Land Registry UK House Price Index). Free to use with credit and a link: name LetCompliance as the source and link to letcompliance.com/buy-to-let-by-council. Contact: hello@letcompliance.com.

About LetCompliance. LetCompliance is property management software for landlords and letting agents in England, recognised by HMRC for Making Tax Digital for Income Tax.

Source: LetCompliance, letcompliance.com/buy-to-let-by-council

Social post (280 characters)

Buy-to-let: with a 25% deposit, a landlord in England needs 10.5 years of rent to earn the cash back. Mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise. letcompliance.com/buy-to-let-by-council

Downloads

The data and the charts

The England card England, link preview card (1200 x 630)Chart: what landlord B keeps per £100 of rent, by region Chart: by regionChart: the change at the 2027-28 Budget rates (announced, not yet law), by region Chart: the Budget rates for 2027-28 (announced, not yet law), by region

A card for any area

The card for England

The lookup for a website

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<p style="margin:6px 0 0;font:13px/1.5 system-ui,sans-serif">Source: <a href="https://letcompliance.com/buy-to-let-by-council">LetCompliance</a>, letcompliance.com/buy-to-let-by-council</p>
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Paste into any page that accepts HTML. Keep the credit line under the frame. If the page strips the script, set the frame to about 2,350px tall so it fits a phone.

Every region

Each paragraph: landlord B, a basic-rate taxpayer with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, in 2026-27, with landlord A beside it. Each stands on its own, so each carries its own basis and source line.

The 9 regions
  • The East Midlands: from the ONS average 2-bed rent of £831 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £352.49 a month in 2026-27, £42.42 of every £100 (1st of 9 regions); with no mortgage, £651.85 a month (£78.44). Best council: Boston, £54.96 per £100; lowest: Derbyshire Dales, £20.78; 35 of its 35 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £1.06 less per £100 and the mortgage-free one £1.96 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 8.8 years to earn back and earns 11.35% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • The East of England: from the ONS average 2-bed rent of £1,153 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £446.64 a month in 2026-27, £38.74 of every £100 (7th of 9 regions); with no mortgage, £909.45 a month (£78.88). Best council: Fenland, £51.00 per £100; lowest: St Albans, £30.49; 44 of its 45 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £0.97 less per £100 and the mortgage-free one £1.97 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 11 years to earn back and earns 9.09% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • London: from the ONS average 2-bed rent of £2,239 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £748.43 a month in 2026-27, £33.43 of every £100 (9th of 9 regions); with no mortgage, £1,778.25 a month (£79.42). Best council: Barking and Dagenham, £44.13 per £100; lowest: Kensington and Chelsea, £12.07; 32 of its 33 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £0.84 less per £100 and the mortgage-free one £1.99 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 15.5 years to earn back and earns 6.44% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • The North East: from the ONS average 2-bed rent of £698 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £295.66 a month in 2026-27, £42.36 of every £100 (2nd of 9 regions); with no mortgage, £545.45 a month (£78.14). Best council: Sunderland, £47.49 per £100; lowest: Northumberland, £35.90; 12 of its 12 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £1.06 less per £100 and the mortgage-free one £1.95 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 8.8 years to earn back and earns 11.41% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • The North West: from the ONS average 2-bed rent of £887 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £359.25 a month in 2026-27, £40.50 of every £100 (4th of 9 regions); with no mortgage, £696.65 a month (£78.54). Best council: Blackpool, £48.41 per £100; lowest: Ribble Valley, £29.39; 35 of its 35 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £1.01 less per £100 and the mortgage-free one £1.96 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 9.8 years to earn back and earns 10.19% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • The South East: from the ONS average 2-bed rent of £1,284 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £511.70 a month in 2026-27, £39.85 of every £100 (5th of 9 regions); with no mortgage, £1,014.25 a month (£78.99). Best council: Milton Keynes, £46.42 per £100; lowest: Elmbridge, £26.59; 64 of its 64 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £1.00 less per £100 and the mortgage-free one £1.97 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 10.5 years to earn back and earns 9.56% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • The South West: from the ONS average 2-bed rent of £1,070 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £424.98 a month in 2026-27, £39.72 of every £100 (6th of 9 regions); with no mortgage, £843.05 a month (£78.79). Best council: South Gloucestershire, £46.38 per £100; lowest: South Hams, £29.11; 26 of its 27 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £0.99 less per £100 and the mortgage-free one £1.97 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 10.4 years to earn back and earns 9.62% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • The West Midlands: from the ONS average 2-bed rent of £887 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £362.83 a month in 2026-27, £40.91 of every £100 (3rd of 9 regions); with no mortgage, £696.65 a month (£78.54). Best council: Newcastle-under-Lyme, £48.94 per £100; lowest: Malvern Hills, £28.70; 30 of its 30 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £1.02 less per £100 and the mortgage-free one £1.96 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 9.6 years to earn back and earns 10.41% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Yorkshire and the Humber: from the ONS average 2-bed rent of £772 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £296.18 a month in 2026-27, £38.36 of every £100 (8th of 9 regions); with no mortgage, £604.65 a month (£78.32). Best council: Kingston upon Hull, £47.18 per £100; lowest: North Yorkshire, £32.49; 15 of its 15 councils ranked. At the Budget rates for 2027-28 (announced, not yet law), against the rates Parliament set in March 2026, the mortgaged landlord keeps £0.96 less per £100 and the mortgage-free one £1.96 less. A 25% deposit plus stamp duty at the rates for additional homes (fees not counted) takes 10.8 years to earn back and earns 9.24% a year on the cash put in, before any rise or fall in the home’s value. No council licence is counted at region level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council

Counties and city regions (estimates)

ONS publishes no rent for these areas, so each figure here is a LetCompliance estimate, and each paragraph says so.

Counties and metropolitan counties (27)
  • Cambridgeshire (estimate): from an estimated average 2-bed rent of £1,195 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £471.06 a month in 2026-27, £39.42 of every £100 (17th of 27 counties and metropolitan counties); with no mortgage, £943.05 a month (£78.92). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Derbyshire (estimate): from an estimated average 2-bed rent of £750 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £263.53 a month in 2026-27, £35.14 of every £100 (25th of 27 counties and metropolitan counties); with no mortgage, £587.05 a month (£78.27). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Devon (estimate): from an estimated average 2-bed rent of £896 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £313.27 a month in 2026-27, £34.96 of every £100 (26th of 27 counties and metropolitan counties); with no mortgage, £703.85 a month (£78.55). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • East Sussex (estimate): from an estimated average 2-bed rent of £1,065 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £423.30 a month in 2026-27, £39.75 of every £100 (15th of 27 counties and metropolitan counties); with no mortgage, £839.05 a month (£78.78). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Essex (estimate): from an estimated average 2-bed rent of £1,196 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £488.50 a month in 2026-27, £40.85 of every £100 (12th of 27 counties and metropolitan counties); with no mortgage, £943.85 a month (£78.92). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Gloucestershire (estimate): from an estimated average 2-bed rent of £1,010 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £379.65 a month in 2026-27, £37.59 of every £100 (22nd of 27 counties and metropolitan counties); with no mortgage, £795.05 a month (£78.72). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Greater Manchester metropolitan county (estimate): from an estimated average 2-bed rent of £1,016 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £398.46 a month in 2026-27, £39.22 of every £100 (19th of 27 counties and metropolitan counties); with no mortgage, £799.85 a month (£78.73). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Hampshire (estimate): from an estimated average 2-bed rent of £1,178 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £483.94 a month in 2026-27, £41.08 of every £100 (10th of 27 counties and metropolitan counties); with no mortgage, £929.45 a month (£78.90). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Hertfordshire (estimate): from an estimated average 2-bed rent of £1,472 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £543.29 a month in 2026-27, £36.91 of every £100 (23rd of 27 counties and metropolitan counties); with no mortgage, £1,164.65 a month (£79.12). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Kent (estimate): from an estimated average 2-bed rent of £1,178 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £474.45 a month in 2026-27, £40.28 of every £100 (13th of 27 counties and metropolitan counties); with no mortgage, £929.45 a month (£78.90). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Lancashire (estimate): from an estimated average 2-bed rent of £714 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £282.72 a month in 2026-27, £39.60 of every £100 (16th of 27 counties and metropolitan counties); with no mortgage, £558.25 a month (£78.19). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Leicestershire (estimate): from an estimated average 2-bed rent of £855 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £353.17 a month in 2026-27, £41.31 of every £100 (8th of 27 counties and metropolitan counties); with no mortgage, £671.05 a month (£78.49). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Lincolnshire (estimate): from an estimated average 2-bed rent of £743 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £337.67 a month in 2026-27, £45.45 of every £100 (1st of 27 counties and metropolitan counties); with no mortgage, £581.45 a month (£78.26). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Merseyside metropolitan county (estimate): from an estimated average 2-bed rent of £800 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £328.14 a month in 2026-27, £41.02 of every £100 (11th of 27 counties and metropolitan counties); with no mortgage, £627.05 a month (£78.38). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Norfolk (estimate): from an estimated average 2-bed rent of £874 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £361.20 a month in 2026-27, £41.33 of every £100 (7th of 27 counties and metropolitan counties); with no mortgage, £686.25 a month (£78.52). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Nottinghamshire (estimate): from an estimated average 2-bed rent of £766 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £318.09 a month in 2026-27, £41.53 of every £100 (6th of 27 counties and metropolitan counties); with no mortgage, £599.85 a month (£78.31). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Oxfordshire (estimate): from an estimated average 2-bed rent of £1,375 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £552.73 a month in 2026-27, £40.20 of every £100 (14th of 27 counties and metropolitan counties); with no mortgage, £1,087.05 a month (£79.06). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • South Yorkshire metropolitan county (estimate): from an estimated average 2-bed rent of £719 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £277.41 a month in 2026-27, £38.58 of every £100 (21st of 27 counties and metropolitan counties); with no mortgage, £562.25 a month (£78.20). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Staffordshire (estimate): from an estimated average 2-bed rent of £800 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £334.22 a month in 2026-27, £41.78 of every £100 (5th of 27 counties and metropolitan counties); with no mortgage, £627.05 a month (£78.38). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Suffolk (estimate): from an estimated average 2-bed rent of £924 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £392.79 a month in 2026-27, £42.51 of every £100 (4th of 27 counties and metropolitan counties); with no mortgage, £726.25 a month (£78.60). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Surrey (estimate): from an estimated average 2-bed rent of £1,487 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £517.21 a month in 2026-27, £34.78 of every £100 (27th of 27 counties and metropolitan counties); with no mortgage, £1,176.65 a month (£79.13). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Tyne and Wear metropolitan county (estimate): from an estimated average 2-bed rent of £798 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £359.49 a month in 2026-27, £45.05 of every £100 (2nd of 27 counties and metropolitan counties); with no mortgage, £625.45 a month (£78.38). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Warwickshire (estimate): from an estimated average 2-bed rent of £972 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £348.38 a month in 2026-27, £35.84 of every £100 (24th of 27 counties and metropolitan counties); with no mortgage, £764.65 a month (£78.67). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • West Midlands metropolitan county (estimate): from an estimated average 2-bed rent of £929 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £395.97 a month in 2026-27, £42.62 of every £100 (3rd of 27 counties and metropolitan counties); with no mortgage, £730.25 a month (£78.61). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • West Sussex (estimate): from an estimated average 2-bed rent of £1,262 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £520.02 a month in 2026-27, £41.21 of every £100 (9th of 27 counties and metropolitan counties); with no mortgage, £996.65 a month (£78.97). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • West Yorkshire metropolitan county (estimate): from an estimated average 2-bed rent of £802 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £315.53 a month in 2026-27, £39.34 of every £100 (18th of 27 counties and metropolitan counties); with no mortgage, £628.65 a month (£78.39). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Worcestershire (estimate): from an estimated average 2-bed rent of £869 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £339.09 a month in 2026-27, £39.02 of every £100 (20th of 27 counties and metropolitan counties); with no mortgage, £682.25 a month (£78.51). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
Combined authorities (19)
  • Cambridgeshire and Peterborough combined authority (estimate): from an estimated average 2-bed rent of £1,112 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £460.69 a month in 2026-27, £41.43 of every £100 (11th of 19 combined authorities); with no mortgage, £876.65 a month (£78.84). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Cheshire and Warrington combined authority (estimate): from an estimated average 2-bed rent of £897 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £355.51 a month in 2026-27, £39.63 of every £100 (12th of 19 combined authorities); with no mortgage, £704.65 a month (£78.56). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Cumbria combined authority (estimate): from an estimated average 2-bed rent of £713 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £281.39 a month in 2026-27, £39.47 of every £100 (13th of 19 combined authorities); with no mortgage, £557.45 a month (£78.18). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Devon and Torbay combined authority (estimate): from an estimated average 2-bed rent of £881 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £322.30 a month in 2026-27, £36.58 of every £100 (18th of 19 combined authorities); with no mortgage, £691.85 a month (£78.53). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • East Midlands combined authority (estimate): from an estimated average 2-bed rent of £795 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £339.63 a month in 2026-27, £42.72 of every £100 (6th of 19 combined authorities); with no mortgage, £623.05 a month (£78.37). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Greater Lincolnshire combined authority (estimate): from an estimated average 2-bed rent of £700 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £323.76 a month in 2026-27, £46.25 of every £100 (1st of 19 combined authorities); with no mortgage, £547.05 a month (£78.15). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Greater Manchester combined authority (estimate): from an estimated average 2-bed rent of £1,016 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £398.46 a month in 2026-27, £39.22 of every £100 (15th of 19 combined authorities); with no mortgage, £799.85 a month (£78.73). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Hampshire and the Solent combined authority (estimate): from an estimated average 2-bed rent of £1,134 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £477.62 a month in 2026-27, £42.12 of every £100 (9th of 19 combined authorities); with no mortgage, £894.25 a month (£78.86). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Hull and East Yorkshire combined authority (estimate): from an estimated average 2-bed rent of £636 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £277.78 a month in 2026-27, £43.68 of every £100 (4th of 19 combined authorities); with no mortgage, £495.85 a month (£77.96). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Lancashire combined authority (estimate): from an estimated average 2-bed rent of £700 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £303.46 a month in 2026-27, £43.35 of every £100 (5th of 19 combined authorities); with no mortgage, £547.05 a month (£78.15). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Liverpool City Region combined authority (estimate): from an estimated average 2-bed rent of £793 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £329.78 a month in 2026-27, £41.59 of every £100 (10th of 19 combined authorities); with no mortgage, £621.45 a month (£78.37). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • North East combined authority (estimate): from an estimated average 2-bed rent of £712 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £314.14 a month in 2026-27, £44.12 of every £100 (3rd of 19 combined authorities); with no mortgage, £556.65 a month (£78.18). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • South Yorkshire combined authority (estimate): from an estimated average 2-bed rent of £719 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £277.41 a month in 2026-27, £38.58 of every £100 (16th of 19 combined authorities); with no mortgage, £562.25 a month (£78.20). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Sussex and Brighton combined authority (estimate): from an estimated average 2-bed rent of £1,270 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £480.75 a month in 2026-27, £37.85 of every £100 (17th of 19 combined authorities); with no mortgage, £1,003.05 a month (£78.98). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Tees Valley combined authority (estimate): from an estimated average 2-bed rent of £622 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £282.97 a month in 2026-27, £45.49 of every £100 (2nd of 19 combined authorities); with no mortgage, £484.65 a month (£77.92). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • West Midlands combined authority (estimate): from an estimated average 2-bed rent of £929 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £395.97 a month in 2026-27, £42.62 of every £100 (7th of 19 combined authorities); with no mortgage, £730.25 a month (£78.61). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • West of England combined authority (estimate): from an estimated average 2-bed rent of £1,488 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £631.77 a month in 2026-27, £42.46 of every £100 (8th of 19 combined authorities); with no mortgage, £1,177.45 a month (£79.13). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • West Yorkshire combined authority (estimate): from an estimated average 2-bed rent of £802 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £315.53 a month in 2026-27, £39.34 of every £100 (14th of 19 combined authorities); with no mortgage, £628.65 a month (£78.39). The rent is a LetCompliance estimate, built from its councils’ ONS figures weighted by households renting privately; the flat price is the official UK HPI average. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • York and North Yorkshire combined authority (estimate): from an estimated average 2-bed rent of £850 a month, a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps an estimated £300.09 a month in 2026-27, £35.30 of every £100 (19th of 19 combined authorities); with no mortgage, £667.05 a month (£78.48). The rent and the flat price are LetCompliance estimates, built from its councils’ figures. No council licence is counted at this level. Source: LetCompliance, letcompliance.com/buy-to-let-by-council

Every council, by region

A sentence for each, every figure labelled. Open a region to read its councils.

East Midlands (35 councils)
  • Amber Valley: from the ONS average 2-bed rent of £749 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £260.02 a month in 2026-27, £34.72 of every £100 (249th of 293 councils); with no mortgage, £586.25 a month (£78.27). The £40,816 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.1 years to earn back from the rent and earns 7.64% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#amber-valley
  • Ashfield: from the ONS average 2-bed rent of £729 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £348.90 a month in 2026-27, £47.86 of every £100 (8th of 293 councils); with no mortgage, £565.58 a month (£77.58). The £26,972 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.4 years to earn back from the rent and earns 15.52% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £70.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £48.50 per £100. Note: the scheme ends 24 July 2027, and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#ashfield
  • Bassetlaw: from the ONS average 2-bed rent of £664 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £295.95 a month in 2026-27, £44.57 of every £100 (59th of 293 councils); with no mortgage, £518.25 a month (£78.05). The £27,671 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.8 years to earn back from the rent and earns 12.83% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bassetlaw
  • Blaby: from the ONS average 2-bed rent of £912 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £388.78 a month in 2026-27, £42.63 of every £100 (95th of 293 councils); with no mortgage, £716.65 a month (£78.58). The £41,034 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.8 years to earn back from the rent and earns 11.37% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#blaby
  • Bolsover: from the ONS average 2-bed rent of £639 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £288.09 a month in 2026-27, £45.09 of every £100 (46th of 293 councils); with no mortgage, £498.25 a month (£77.97). The £26,159 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.6 years to earn back from the rent and earns 13.22% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bolsover
  • Boston: from the ONS average 2-bed rent of £767 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £421.54 a month in 2026-27, £54.96 of every £100 (1st of 293 councils); with no mortgage, £600.65 a month (£78.31). The £22,294 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 4.4 years to earn back from the rent and earns 22.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#boston
  • Broxtowe: from the ONS average 2-bed rent of £840 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £376.21 a month in 2026-27, £44.79 of every £100 (52nd of 293 councils); with no mortgage, £659.05 a month (£78.46). The £35,206 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.8 years to earn back from the rent and earns 12.82% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#broxtowe
  • Charnwood: from the ONS average 2-bed rent of £853 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £340.48 a month in 2026-27, £39.92 of every £100 (152nd of 293 councils); with no mortgage, £660.12 a month (£77.39). The £39,942 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.23% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £140.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £41.01 per £100. Note: the scheme ends 31 March 2028, and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#charnwood
  • Chesterfield: from the ONS average 2-bed rent of £698 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £276.71 a month in 2026-27, £39.64 of every £100 (157th of 293 councils); with no mortgage, £545.45 a month (£78.14). The £33,453 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.1 years to earn back from the rent and earns 9.93% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#chesterfield
  • Derby: from the ONS average 2-bed rent of £788 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £357.79 a month in 2026-27, £45.41 of every £100 (39th of 293 councils); with no mortgage, £617.45 a month (£78.36). The £32,323 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.5 years to earn back from the rent and earns 13.28% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#derby
  • Derbyshire Dales: from the ONS average 2-bed rent of £768 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £159.55 a month in 2026-27, £20.78 of every £100 (291st of 293 councils); with no mortgage, £601.45 a month (£78.31). The £56,175 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 29.3 years to earn back from the rent and earns 3.41% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#derbyshire-dales
  • East Lindsey: from the ONS average 2-bed rent of £670 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £303.49 a month in 2026-27, £45.30 of every £100 (42nd of 293 councils); with no mortgage, £523.05 a month (£78.07). The £27,331 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.5 years to earn back from the rent and earns 13.33% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-lindsey
  • Erewash: from the ONS average 2-bed rent of £792 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £372.05 a month in 2026-27, £46.98 of every £100 (17th of 293 councils); with no mortgage, £620.65 a month (£78.36). The £30,946 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.9 years to earn back from the rent and earns 14.43% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#erewash
  • Gedling: from the ONS average 2-bed rent of £799 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £337.42 a month in 2026-27, £42.23 of every £100 (103rd of 293 councils); with no mortgage, £615.05 a month (£76.98). The £34,560 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.5 years to earn back from the rent and earns 11.72% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £168.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £43.63 per £100. Note: one of its designations ends 31 October 2027 (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#gedling
  • Harborough: from the ONS average 2-bed rent of £919 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £341.26 a month in 2026-27, £37.13 of every £100 (205th of 293 councils); with no mortgage, £722.25 a month (£78.59). The £48,086 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.7 years to earn back from the rent and earns 8.52% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#harborough
  • High Peak: from the ONS average 2-bed rent of £812 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £272.48 a month in 2026-27, £33.56 of every £100 (259th of 293 councils); with no mortgage, £636.65 a month (£78.41). The £45,854 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14 years to earn back from the rent and earns 7.13% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#high-peak
  • Hinckley and Bosworth: from the ONS average 2-bed rent of £842 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £376.03 a month in 2026-27, £44.66 of every £100 (55th of 293 councils); with no mortgage, £660.65 a month (£78.46). The £35,429 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.9 years to earn back from the rent and earns 12.74% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hinckley-and-bosworth
  • Leicester: from the ONS average 2-bed rent of £890 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £343.61 a month in 2026-27, £38.61 of every £100 (178th of 293 councils); with no mortgage, £681.85 a month (£76.61). The £42,410 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.3 years to earn back from the rent and earns 9.72% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £258.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £40.54 per £100. Note: the scheme ends 9 October 2027 (date from Kamma); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#leicester
  • Lincoln: from the ONS average 2-bed rent of £832 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £400.72 a month in 2026-27, £48.16 of every £100 (6th of 293 councils); with no mortgage, £652.65 a month (£78.44). The £31,360 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.5 years to earn back from the rent and earns 15.33% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#lincoln
  • Mansfield: from the ONS average 2-bed rent of £714 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £312.22 a month in 2026-27, £43.73 of every £100 (74th of 293 councils); with no mortgage, £547.58 a month (£76.69). The £29,297 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.8 years to earn back from the rent and earns 12.79% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £160.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £45.22 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#mansfield
  • Melton: from the ONS average 2-bed rent of £735 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £286.51 a month in 2026-27, £38.98 of every £100 (169th of 293 councils); with no mortgage, £575.05 a month (£78.24). The £35,917 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.4 years to earn back from the rent and earns 9.57% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#melton
  • Newark and Sherwood: from the ONS average 2-bed rent of £743 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £322.64 a month in 2026-27, £43.42 of every £100 (80th of 293 councils); with no mortgage, £581.45 a month (£78.26). The £32,216 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.3 years to earn back from the rent and earns 12.02% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#newark-and-sherwood
  • North East Derbyshire: from the ONS average 2-bed rent of £724 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £264.21 a month in 2026-27, £36.49 of every £100 (220th of 293 councils); with no mortgage, £566.25 a month (£78.21). The £37,604 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.9 years to earn back from the rent and earns 8.43% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-east-derbyshire
  • North Kesteven: from the ONS average 2-bed rent of £760 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £310.64 a month in 2026-27, £40.87 of every £100 (133rd of 293 councils); with no mortgage, £595.05 a month (£78.30). The £35,403 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.5 years to earn back from the rent and earns 10.53% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-kesteven
  • North Northamptonshire: from the ONS average 2-bed rent of £885 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £411.54 a month in 2026-27, £46.50 of every £100 (20th of 293 councils); with no mortgage, £695.05 a month (£78.54). The £35,292 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.1 years to earn back from the rent and earns 13.99% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-northamptonshire
  • North West Leicestershire: from the ONS average 2-bed rent of £824 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £315.93 a month in 2026-27, £38.34 of every £100 (185th of 293 councils); with no mortgage, £646.25 a month (£78.43). The £41,359 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.9 years to earn back from the rent and earns 9.17% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-west-leicestershire
  • Nottingham: from the ONS average 2-bed rent of £916 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £409.93 a month in 2026-27, £44.75 of every £100 (53rd of 293 councils); with no mortgage, £707.18 a month (£77.20). The £37,003 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.5 years to earn back from the rent and earns 13.29% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £190.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £46.13 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#nottingham
  • Oadby and Wigston: from the ONS average 2-bed rent of £887 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £416.26 a month in 2026-27, £46.93 of every £100 (18th of 293 councils); with no mortgage, £685.32 a month (£77.26). The £33,494 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.7 years to earn back from the rent and earns 14.91% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £170.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £48.21 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#oadby-and-wigston
  • Rushcliffe: from the ONS average 2-bed rent of £901 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £332.69 a month in 2026-27, £36.92 of every £100 (210th of 293 councils); with no mortgage, £707.85 a month (£78.56). The £47,313 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.9 years to earn back from the rent and earns 8.44% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rushcliffe
  • Rutland: from the ONS average 2-bed rent of £844 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £340.91 a month in 2026-27, £40.39 of every £100 (144th of 293 councils); with no mortgage, £662.25 a month (£78.47). The £40,166 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.18% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rutland
  • South Derbyshire: from the ONS average 2-bed rent of £806 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £296.01 a month in 2026-27, £36.73 of every £100 (212th of 293 councils); with no mortgage, £631.85 a month (£78.39). The £42,091 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.44% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-derbyshire
  • South Holland: from the ONS average 2-bed rent of £743 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £352.46 a month in 2026-27, £47.44 of every £100 (11th of 293 councils); with no mortgage, £581.45 a month (£78.26). The £28,504 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.7 years to earn back from the rent and earns 14.84% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-holland
  • South Kesteven: from the ONS average 2-bed rent of £758 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £315.91 a month in 2026-27, £41.68 of every £100 (114th of 293 councils); with no mortgage, £593.45 a month (£78.29). The £34,548 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.1 years to earn back from the rent and earns 10.97% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-kesteven
  • West Lindsey: from the ONS average 2-bed rent of £676 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £309.38 a month in 2026-27, £45.77 of every £100 (36th of 293 councils); with no mortgage, £527.85 a month (£78.08). The £27,195 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.3 years to earn back from the rent and earns 13.65% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-lindsey
  • West Northamptonshire: from the ONS average 2-bed rent of £958 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £416.98 a month in 2026-27, £43.53 of every £100 (77th of 293 councils); with no mortgage, £753.45 a month (£78.65). The £42,177 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.4 years to earn back from the rent and earns 11.86% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-northamptonshire
East of England (45 councils)
  • Babergh: from the ONS average 2-bed rent of £921 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £356.20 a month in 2026-27, £38.68 of every £100 (177th of 293 councils); with no mortgage, £723.85 a month (£78.59). The £46,316 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.8 years to earn back from the rent and earns 9.23% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#babergh
  • Basildon: from the ONS average 2-bed rent of £1,272 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £549.23 a month in 2026-27, £43.18 of every £100 (83rd of 293 councils); with no mortgage, £1,004.65 a month (£78.98). The £57,969 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.8 years to earn back from the rent and earns 11.37% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#basildon
  • Bedford: from the ONS average 2-bed rent of £1,032 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £427.43 a month in 2026-27, £41.42 of every £100 (120th of 293 councils); with no mortgage, £812.65 a month (£78.75). The £48,648 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.5 years to earn back from the rent and earns 10.54% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bedford
  • Braintree: from the ONS average 2-bed rent of £1,108 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £493.59 a month in 2026-27, £44.55 of every £100 (60th of 293 councils); with no mortgage, £873.45 a month (£78.83). The £47,937 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.1 years to earn back from the rent and earns 12.36% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#braintree
  • Breckland: from the ONS average 2-bed rent of £853 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £409.11 a month in 2026-27, £47.96 of every £100 (7th of 293 councils); with no mortgage, £669.45 a month (£78.48). The £32,407 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.6 years to earn back from the rent and earns 15.15% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#breckland
  • Brentwood: from the ONS average 2-bed rent of £1,401 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £469.25 a month in 2026-27, £33.49 of every £100 (260th of 293 councils); with no mortgage, £1,107.85 a month (£79.08). The £82,742 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.7 years to earn back from the rent and earns 6.81% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#brentwood
  • Broadland: from the ONS average 2-bed rent of £897 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £350.31 a month in 2026-27, £39.05 of every £100 (168th of 293 councils); with no mortgage, £704.65 a month (£78.56). The £44,548 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.6 years to earn back from the rent and earns 9.44% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#broadland
  • Broxbourne: from the ONS average 2-bed rent of £1,456 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £608.58 a month in 2026-27, £41.80 of every £100 (109th of 293 councils); with no mortgage, £1,151.85 a month (£79.11). The £69,635 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.5 years to earn back from the rent and earns 10.49% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#broxbourne
  • Cambridge: from the ONS average 2-bed rent of £1,613 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £564.68 a month in 2026-27, £35.01 of every £100 (246th of 293 councils); with no mortgage, £1,277.45 a month (£79.20). The £93,514 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.8 years to earn back from the rent and earns 7.25% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cambridge
  • Castle Point: from the ONS average 2-bed rent of £1,172 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £529.82 a month in 2026-27, £45.21 of every £100 (44th of 293 councils); with no mortgage, £924.65 a month (£78.90). The £49,924 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.9 years to earn back from the rent and earns 12.74% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#castle-point
  • Central Bedfordshire: from the ONS average 2-bed rent of £1,105 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £453.31 a month in 2026-27, £41.02 of every £100 (130th of 293 councils); with no mortgage, £871.05 a month (£78.83). The £52,967 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.7 years to earn back from the rent and earns 10.27% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#central-bedfordshire
  • Chelmsford: from the ONS average 2-bed rent of £1,291 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £519.87 a month in 2026-27, £40.27 of every £100 (146th of 293 councils); with no mortgage, £1,019.85 a month (£79.00). The £63,887 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.2 years to earn back from the rent and earns 9.76% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#chelmsford
  • Colchester: from the ONS average 2-bed rent of £1,066 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £451.17 a month in 2026-27, £42.32 of every £100 (101st of 293 councils); with no mortgage, £839.85 a month (£78.79). The £49,108 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.1 years to earn back from the rent and earns 11.02% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#colchester
  • Dacorum: from the ONS average 2-bed rent of £1,394 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £478.45 a month in 2026-27, £34.32 of every £100 (252nd of 293 councils); with no mortgage, £1,102.25 a month (£79.07). The £80,592 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14 years to earn back from the rent and earns 7.12% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#dacorum
  • East Cambridgeshire: from the ONS average 2-bed rent of £962 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £348.85 a month in 2026-27, £36.26 of every £100 (223rd of 293 councils); with no mortgage, £756.65 a month (£78.65). The £51,647 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.3 years to earn back from the rent and earns 8.11% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-cambridgeshire
  • East Hertfordshire: from the ONS average 2-bed rent of £1,397 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £503.78 a month in 2026-27, £36.06 of every £100 (228th of 293 councils); with no mortgage, £1,104.65 a month (£79.07). The £77,282 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.8 years to earn back from the rent and earns 7.82% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-hertfordshire
  • East Suffolk: from the ONS average 2-bed rent of £798 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £286.69 a month in 2026-27, £35.93 of every £100 (231st of 293 councils); with no mortgage, £625.45 a month (£78.38). The £42,480 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.3 years to earn back from the rent and earns 8.10% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-suffolk
  • Epping Forest: from the ONS average 2-bed rent of £1,586 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £551.19 a month in 2026-27, £34.75 of every £100 (248th of 293 councils); with no mortgage, £1,255.85 a month (£79.18). The £92,335 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14 years to earn back from the rent and earns 7.16% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#epping-forest
  • Fenland: from the ONS average 2-bed rent of £809 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £412.60 a month in 2026-27, £51.00 of every £100 (2nd of 293 councils); with no mortgage, £634.25 a month (£78.40). The £27,591 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 5.6 years to earn back from the rent and earns 17.95% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#fenland
  • Great Yarmouth: from the ONS average 2-bed rent of £770 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £343.94 a month in 2026-27, £44.67 of every £100 (54th of 293 councils); with no mortgage, £593.80 a month (£77.12). The £31,102 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.5 years to earn back from the rent and earns 13.27% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £138.80 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £45.87 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#great-yarmouth
  • Harlow: from the ONS average 2-bed rent of £1,335 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £613.65 a month in 2026-27, £45.97 of every £100 (33rd of 293 councils); with no mortgage, £1,055.05 a month (£79.03). The £56,108 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.6 years to earn back from the rent and earns 13.12% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#harlow
  • Hertsmere: from the ONS average 2-bed rent of £1,619 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £572.73 a month in 2026-27, £35.38 of every £100 (240th of 293 councils); with no mortgage, £1,282.25 a month (£79.20). The £93,042 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.5 years to earn back from the rent and earns 7.39% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hertsmere
  • Huntingdonshire: from the ONS average 2-bed rent of £974 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £408.62 a month in 2026-27, £41.95 of every £100 (108th of 293 councils); with no mortgage, £766.25 a month (£78.67). The £44,986 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.2 years to earn back from the rent and earns 10.90% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#huntingdonshire
  • Ipswich: from the ONS average 2-bed rent of £921 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £407.90 a month in 2026-27, £44.29 of every £100 (64th of 293 councils); with no mortgage, £723.85 a month (£78.59). The £39,450 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.1 years to earn back from the rent and earns 12.41% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#ipswich
  • King's Lynn and West Norfolk: from the ONS average 2-bed rent of £849 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £391.42 a month in 2026-27, £46.10 of every £100 (28th of 293 councils); with no mortgage, £666.25 a month (£78.47). The £34,210 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.3 years to earn back from the rent and earns 13.73% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#kings-lynn-and-west-norfolk
  • Luton is not ranked: its selective licence fee is not published (applications are paused). Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Maldon: from the ONS average 2-bed rent of £1,031 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £387.99 a month in 2026-27, £37.63 of every £100 (197th of 293 councils); with no mortgage, £811.85 a month (£78.74). The £53,780 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.6 years to earn back from the rent and earns 8.66% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#maldon
  • Mid Suffolk: from the ONS average 2-bed rent of £928 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £386.94 a month in 2026-27, £41.70 of every £100 (112th of 293 councils); with no mortgage, £729.45 a month (£78.60). The £42,978 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.3 years to earn back from the rent and earns 10.80% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#mid-suffolk
  • North Hertfordshire: from the ONS average 2-bed rent of £1,293 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £467.20 a month in 2026-27, £36.13 of every £100 (227th of 293 councils); with no mortgage, £1,021.45 a month (£79.00). The £71,093 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.7 years to earn back from the rent and earns 7.89% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-hertfordshire
  • North Norfolk: from the ONS average 2-bed rent of £809 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £268.71 a month in 2026-27, £33.22 of every £100 (261st of 293 councils); with no mortgage, £634.25 a month (£78.40). The £46,035 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.3 years to earn back from the rent and earns 7.00% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-norfolk
  • Norwich: from the ONS average 2-bed rent of £976 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £422.50 a month in 2026-27, £43.29 of every £100 (82nd of 293 councils); with no mortgage, £767.85 a month (£78.67). The £43,354 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.6 years to earn back from the rent and earns 11.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#norwich
  • Peterborough: from the ONS average 2-bed rent of £896 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £422.52 a month in 2026-27, £47.16 of every £100 (15th of 293 councils); with no mortgage, £691.74 a month (£77.20). The £33,513 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.6 years to earn back from the rent and earns 15.13% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £181.60 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £48.51 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#peterborough
  • Rochford: from the ONS average 2-bed rent of £1,171 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £493.12 a month in 2026-27, £42.11 of every £100 (105th of 293 councils); with no mortgage, £923.85 a month (£78.89). The £54,691 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.2 years to earn back from the rent and earns 10.82% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rochford
  • South Cambridgeshire: from the ONS average 2-bed rent of £1,280 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £526.85 a month in 2026-27, £41.16 of every £100 (126th of 293 councils); with no mortgage, £1,011.05 a month (£78.99). The £61,790 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.23% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-cambridgeshire
  • South Norfolk: from the ONS average 2-bed rent of £893 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £380.60 a month in 2026-27, £42.62 of every £100 (96th of 293 councils); with no mortgage, £701.45 a month (£78.55). The £40,102 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.8 years to earn back from the rent and earns 11.39% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-norfolk
  • Southend-on-Sea: from the ONS average 2-bed rent of £1,124 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £398.42 a month in 2026-27, £35.45 of every £100 (237th of 293 councils); with no mortgage, £875.18 a month (£77.86). The £60,804 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.7 years to earn back from the rent and earns 7.86% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £166.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £36.43 per £100. Note: the scheme ends 30 November 2026 (before 6 April 2027), and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#southend-on-sea
  • St Albans: from the ONS average 2-bed rent of £1,635 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £498.52 a month in 2026-27, £30.49 of every £100 (274th of 293 councils); with no mortgage, £1,295.05 a month (£79.21). The £105,677 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.7 years to earn back from the rent and earns 5.66% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#st-albans
  • Stevenage: from the ONS average 2-bed rent of £1,325 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £640.64 a month in 2026-27, £48.35 of every £100 (5th of 293 councils); with no mortgage, £1,047.05 a month (£79.02). The £51,462 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.7 years to earn back from the rent and earns 14.94% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stevenage
  • Tendring: from the ONS average 2-bed rent of £979 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £450.60 a month in 2026-27, £46.03 of every £100 (32nd of 293 councils); with no mortgage, £770.25 a month (£78.68). The £39,943 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.4 years to earn back from the rent and earns 13.54% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tendring
  • Three Rivers: from the ONS average 2-bed rent of £1,590 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £559.54 a month in 2026-27, £35.19 of every £100 (241st of 293 councils); with no mortgage, £1,259.05 a month (£79.19). The £91,588 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.6 years to earn back from the rent and earns 7.33% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#three-rivers
  • Thurrock: from the ONS average 2-bed rent of £1,222 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £496.75 a month in 2026-27, £40.65 of every £100 (140th of 293 councils); with no mortgage, £950.85 a month (£77.81). The £57,795 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.7 years to earn back from the rent and earns 10.31% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £206.98 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £41.78 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#thurrock
  • Uttlesford: from the ONS average 2-bed rent of £1,156 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £422.33 a month in 2026-27, £36.53 of every £100 (218th of 293 councils); with no mortgage, £911.85 a month (£78.88). The £62,497 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.3 years to earn back from the rent and earns 8.11% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#uttlesford
  • Watford: from the ONS average 2-bed rent of £1,602 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £629.76 a month in 2026-27, £39.31 of every £100 (162nd of 293 councils); with no mortgage, £1,268.65 a month (£79.19). The £82,785 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11 years to earn back from the rent and earns 9.13% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#watford
  • Welwyn Hatfield: from the ONS average 2-bed rent of £1,373 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £497.47 a month in 2026-27, £36.23 of every £100 (224th of 293 councils); with no mortgage, £1,085.45 a month (£79.06). The £75,572 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.7 years to earn back from the rent and earns 7.90% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#welwyn-hatfield
  • West Suffolk: from the ONS average 2-bed rent of £1,065 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £488.69 a month in 2026-27, £45.89 of every £100 (34th of 293 councils); with no mortgage, £839.05 a month (£78.78). The £44,020 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.5 years to earn back from the rent and earns 13.32% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-suffolk
London (33 councils)
  • Barking and Dagenham: from the ONS average 2-bed rent of £1,723 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £760.30 a month in 2026-27, £44.13 of every £100 (70th of 293 councils); with no mortgage, £1,352.78 a month (£78.51). The £76,170 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.3 years to earn back from the rent and earns 11.98% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £190.00 a year is counted, assuming the home is inside the licensed area. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#barking-and-dagenham
  • Barnet: from the ONS average 2-bed rent of £1,862 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £598.83 a month in 2026-27, £32.16 of every £100 (265th of 293 councils); with no mortgage, £1,476.65 a month (£79.30). The £117,483 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 16.3 years to earn back from the rent and earns 6.12% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#barnet
  • Bexley: from the ONS average 2-bed rent of £1,529 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £606.73 a month in 2026-27, £39.68 of every £100 (155th of 293 councils); with no mortgage, £1,199.18 a month (£78.43). The £76,166 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.5 years to earn back from the rent and earns 9.56% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £166.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £40.41 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bexley
  • Brent: from the ONS average 2-bed rent of £1,937 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £603.89 a month in 2026-27, £31.18 of every £100 (270th of 293 councils); with no mortgage, £1,528.12 a month (£78.89). The £124,224 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.1 years to earn back from the rent and earns 5.83% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £128.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £31.62 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#brent
  • Bromley: from the ONS average 2-bed rent of £1,649 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £566.81 a month in 2026-27, £34.37 of every £100 (251st of 293 councils); with no mortgage, £1,306.25 a month (£79.21). The £97,388 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.3 years to earn back from the rent and earns 6.98% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bromley
  • Camden: from the ONS average 2-bed rent of £2,634 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £510.98 a month in 2026-27, £19.40 of every £100 (292nd of 293 councils); with no mortgage, £2,094.25 a month (£79.51). The £219,934 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 35.9 years to earn back from the rent and earns 2.79% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#camden
  • City of London is not ranked: ONS publishes no rent for it. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Croydon: from the ONS average 2-bed rent of £1,577 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £616.46 a month in 2026-27, £39.09 of every £100 (167th of 293 councils); with no mortgage, £1,237.98 a month (£78.50). The £80,262 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.8 years to earn back from the rent and earns 9.22% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £160.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £39.77 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#croydon
  • Ealing: from the ONS average 2-bed rent of £2,049 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £628.47 a month in 2026-27, £30.67 of every £100 (273rd of 293 councils); with no mortgage, £1,617.25 a month (£78.93). The £133,599 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.7 years to earn back from the rent and earns 5.65% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £135.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £31.11 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#ealing
  • Enfield: from the ONS average 2-bed rent of £1,770 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £669.26 a month in 2026-27, £37.81 of every £100 (194th of 293 councils); with no mortgage, £1,393.05 a month (£78.70). The £95,113 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.44% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £150.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £38.38 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#enfield
  • Greenwich: from the ONS average 2-bed rent of £1,935 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £678.02 a month in 2026-27, £35.04 of every £100 (245th of 293 councils); with no mortgage, £1,522.98 a month (£78.71). The £112,711 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.9 years to earn back from the rent and earns 7.22% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £181.15 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £35.66 per £100. Note: the scheme ends by 30 September 2027; if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#greenwich
  • Hackney: from the ONS average 2-bed rent of £2,498 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £681.54 a month in 2026-27, £27.28 of every £100 (283rd of 293 councils); with no mortgage, £1,973.12 a month (£78.99). The £177,573 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 21.7 years to earn back from the rent and earns 4.61% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £185.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £27.78 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hackney
  • Hammersmith and Fulham: from the ONS average 2-bed rent of £2,656 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £704.68 a month in 2026-27, £26.53 of every £100 (286th of 293 councils); with no mortgage, £2,101.78 a month (£79.13). The £192,899 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 22.8 years to earn back from the rent and earns 4.38% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £151.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £26.91 per £100. Note: the scheme ends by 4 June 2027; if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hammersmith-and-fulham
  • Haringey: from the ONS average 2-bed rent of £2,040 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £482.70 a month in 2026-27, £23.66 of every £100 (289th of 293 councils); with no mortgage, £1,609.64 a month (£78.90). The £153,662 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 26.5 years to earn back from the rent and earns 3.77% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £141.17 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £24.12 per £100. Note: the scheme ends 17 November 2027; if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#haringey
  • Harrow: from the ONS average 2-bed rent of £1,718 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £580.26 a month in 2026-27, £33.78 of every £100 (257th of 293 councils); with no mortgage, £1,350.97 a month (£78.64). The £101,929 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.6 years to earn back from the rent and earns 6.83% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £157.20 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £34.39 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#harrow
  • Havering: from the ONS average 2-bed rent of £1,544 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £608.98 a month in 2026-27, £39.44 of every £100 (159th of 293 councils); with no mortgage, £1,209.58 a month (£78.34). The £77,247 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.6 years to earn back from the rent and earns 9.46% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £190.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £40.26 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#havering
  • Hillingdon: from the ONS average 2-bed rent of £1,598 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £562.09 a month in 2026-27, £35.17 of every £100 (242nd of 293 councils); with no mortgage, £1,265.45 a month (£79.19). The £92,148 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.7 years to earn back from the rent and earns 7.32% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hillingdon
  • Hounslow: from the ONS average 2-bed rent of £1,956 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £700.41 a month in 2026-27, £35.81 of every £100 (233rd of 293 councils); with no mortgage, £1,551.85 a month (£79.34). The £113,652 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.5 years to earn back from the rent and earns 7.40% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hounslow
  • Islington: from the ONS average 2-bed rent of £2,712 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £836.97 a month in 2026-27, £30.86 of every £100 (272nd of 293 councils); with no mortgage, £2,145.32 a month (£79.10). The £180,010 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.9 years to earn back from the rent and earns 5.58% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £170.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £31.28 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#islington
  • Kensington and Chelsea: from the ONS average 2-bed rent of £3,475 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £419.29 a month in 2026-27, £12.07 of every £100 (293rd of 293 councils); with no mortgage, £2,703.62 a month (£77.80). The £322,892 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 64.2 years to earn back from the rent and earns 1.56% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#kensington-and-chelsea
  • Kingston upon Thames: from the ONS average 2-bed rent of £1,765 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £511.93 a month in 2026-27, £29.00 of every £100 (280th of 293 councils); with no mortgage, £1,399.05 a month (£79.27). The £118,834 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 19.3 years to earn back from the rent and earns 5.17% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#kingston-upon-thames
  • Lambeth: from the ONS average 2-bed rent of £2,353 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £791.01 a month in 2026-27, £33.62 of every £100 (258th of 293 councils); with no mortgage, £1,855.78 a month (£78.87). The £144,635 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 15.2 years to earn back from the rent and earns 6.56% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £205.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £34.20 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#lambeth
  • Lewisham: from the ONS average 2-bed rent of £1,793 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £510.94 a month in 2026-27, £28.50 of every £100 (282nd of 293 councils); with no mortgage, £1,412.92 a month (£78.80). The £120,993 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 19.7 years to earn back from the rent and earns 5.07% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £128.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £28.97 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#lewisham
  • Merton: from the ONS average 2-bed rent of £2,032 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £615.18 a month in 2026-27, £30.27 of every £100 (275th of 293 councils); with no mortgage, £1,602.68 a month (£78.87). The £133,414 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 18.1 years to earn back from the rent and earns 5.53% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £149.52 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £30.76 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#merton
  • Newham: from the ONS average 2-bed rent of £1,995 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £800.53 a month in 2026-27, £40.13 of every £100 (149th of 293 councils); with no mortgage, £1,573.05 a month (£78.85). The £102,191 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.6 years to earn back from the rent and earns 9.40% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £150.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £40.63 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#newham
  • Redbridge: from the ONS average 2-bed rent of £1,689 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £597.89 a month in 2026-27, £35.40 of every £100 (239th of 293 councils); with no mortgage, £1,324.94 a month (£78.45). The £95,588 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.3 years to earn back from the rent and earns 7.51% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £199.54 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £36.19 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#redbridge
  • Richmond upon Thames: from the ONS average 2-bed rent of £2,237 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £589.46 a month in 2026-27, £26.35 of every £100 (287th of 293 councils); with no mortgage, £1,776.65 a month (£79.42). The £162,412 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 23 years to earn back from the rent and earns 4.36% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#richmond-upon-thames
  • Southwark: from the ONS average 2-bed rent of £2,387 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £759.37 a month in 2026-27, £31.81 of every £100 (268th of 293 councils); with no mortgage, £1,884.05 a month (£78.93). The £153,335 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 16.8 years to earn back from the rent and earns 5.94% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £189.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £32.34 per £100. Note: one of its designations ends 1 March 2027 (before 6 April 2027) (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#southwark
  • Sutton: from the ONS average 2-bed rent of £1,567 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £547.42 a month in 2026-27, £34.93 of every £100 (247th of 293 councils); with no mortgage, £1,240.65 a month (£79.17). The £90,676 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.8 years to earn back from the rent and earns 7.24% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#sutton
  • Tower Hamlets: from the ONS average 2-bed rent of £2,427 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £892.70 a month in 2026-27, £36.78 of every £100 (211th of 293 councils); with no mortgage, £1,928.65 a month (£79.47). The £140,448 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.1 years to earn back from the rent and earns 7.63% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tower-hamlets
  • Waltham Forest: from the ONS average 2-bed rent of £1,732 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £418.49 a month in 2026-27, £24.16 of every £100 (288th of 293 councils); with no mortgage, £1,360.72 a month (£78.56). The £126,838 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 25.3 years to earn back from the rent and earns 3.96% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £179.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £24.85 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#waltham-forest
  • Wandsworth: from the ONS average 2-bed rent of £2,469 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £668.26 a month in 2026-27, £27.07 of every £100 (284th of 293 councils); with no mortgage, £1,950.45 a month (£79.00). The £176,209 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 22 years to earn back from the rent and earns 4.55% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £177.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £27.54 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wandsworth
  • Westminster: from the ONS average 2-bed rent of £3,320 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £709.56 a month in 2026-27, £21.37 of every £100 (290th of 293 councils); with no mortgage, £2,600.67 a month (£78.33). The £264,643 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 31.1 years to earn back from the rent and earns 3.22% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £199.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £21.67 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#westminster
North East (11 councils)
  • County Durham: from the ONS average 2-bed rent of £582 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £254.36 a month in 2026-27, £43.70 of every £100 (75th of 293 councils); with no mortgage, £444.85 a month (£76.43). The £23,713 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.8 years to earn back from the rent and earns 12.87% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £117.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £45.04 per £100. Note: the scheme ends 31 March 2027 (before 6 April 2027), and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#county-durham
  • Darlington: from the ONS average 2-bed rent of £631 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £257.74 a month in 2026-27, £40.85 of every £100 (136th of 293 councils); with no mortgage, £491.85 a month (£77.95). The £29,141 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.4 years to earn back from the rent and earns 10.61% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#darlington
  • Gateshead: from the ONS average 2-bed rent of £727 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £321.49 a month in 2026-27, £44.22 of every £100 (65th of 293 councils); with no mortgage, £557.32 a month (£76.66). The £29,356 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.6 years to earn back from the rent and earns 13.14% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £170.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £45.78 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#gateshead
  • Hartlepool: from the ONS average 2-bed rent of £512 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £212.03 a month in 2026-27, £41.41 of every £100 (121st of 293 councils); with no mortgage, £396.65 a month (£77.47). The £22,981 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9 years to earn back from the rent and earns 11.07% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hartlepool
  • Middlesbrough: from the ONS average 2-bed rent of £634 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £294.78 a month in 2026-27, £46.50 of every £100 (20th of 293 councils); with no mortgage, £480.94 a month (£75.86). The £23,173 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.6 years to earn back from the rent and earns 15.27% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £199.60 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £48.59 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#middlesbrough
  • Newcastle upon Tyne: from the ONS average 2-bed rent of £1,010 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £465.30 a month in 2026-27, £46.07 of every £100 (31st of 293 councils); with no mortgage, £781.72 a month (£77.40). The £39,514 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.1 years to earn back from the rent and earns 14.13% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £200.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £47.39 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#newcastle-upon-tyne
  • North Tyneside: from the ONS average 2-bed rent of £738 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £286.88 a month in 2026-27, £38.87 of every £100 (172nd of 293 councils); with no mortgage, £577.45 a month (£78.25). The £36,170 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.5 years to earn back from the rent and earns 9.52% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-tyneside
  • Northumberland: from the ONS average 2-bed rent of £631 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £226.55 a month in 2026-27, £35.90 of every £100 (232nd of 293 councils); with no mortgage, £483.18 a month (£76.57). The £31,945 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.51% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £130.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £37.28 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#northumberland
  • South Tyneside: from the ONS average 2-bed rent of £648 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £276.79 a month in 2026-27, £42.71 of every £100 (93rd of 293 councils); with no mortgage, £505.45 a month (£78.00). The £28,463 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.6 years to earn back from the rent and earns 11.67% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-tyneside
  • Stockton-on-Tees: from the ONS average 2-bed rent of £669 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £302.51 a month in 2026-27, £45.22 of every £100 (43rd of 293 councils); with no mortgage, £513.54 a month (£76.76). The £26,269 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.2 years to earn back from the rent and earns 13.82% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £130.60 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £46.52 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stockton-on-tees
  • Sunderland: from the ONS average 2-bed rent of £650 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £308.71 a month in 2026-27, £47.49 of every £100 (10th of 293 councils); with no mortgage, £507.05 a month (£78.01). The £24,688 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.7 years to earn back from the rent and earns 15.01% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#sunderland
North West (35 councils)
  • Blackburn with Darwen: from the ONS average 2-bed rent of £663 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £306.56 a month in 2026-27, £46.24 of every £100 (26th of 293 councils); with no mortgage, £517.45 a month (£78.05). The £26,251 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.1 years to earn back from the rent and earns 14.01% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#blackburn-with-darwen
  • Blackpool: from the ONS average 2-bed rent of £656 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £317.54 a month in 2026-27, £48.41 of every £100 (4th of 293 councils); with no mortgage, £501.56 a month (£76.46). The £22,906 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6 years to earn back from the rent and earns 16.64% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £154.40 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £49.97 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#blackpool
  • Bolton: from the ONS average 2-bed rent of £822 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £362.37 a month in 2026-27, £44.08 of every £100 (71st of 293 councils); with no mortgage, £644.65 a month (£78.42). The £35,138 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.1 years to earn back from the rent and earns 12.38% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bolton
  • Burnley: from the ONS average 2-bed rent of £590 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £250.26 a month in 2026-27, £42.42 of every £100 (100th of 293 councils); with no mortgage, £448.73 a month (£76.06). The £24,704 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.2 years to earn back from the rent and earns 12.16% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £154.80 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £44.17 per £100. Note: one of its designations ends 20 July 2027 (date from Kamma) (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#burnley
  • Bury: from the ONS average 2-bed rent of £889 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £373.07 a month in 2026-27, £41.97 of every £100 (106th of 293 councils); with no mortgage, £698.25 a month (£78.54). The £40,677 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.1 years to earn back from the rent and earns 11.01% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bury
  • Cheshire East: from the ONS average 2-bed rent of £905 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £331.25 a month in 2026-27, £36.60 of every £100 (215th of 293 councils); with no mortgage, £711.05 a month (£78.57). The £47,929 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.1 years to earn back from the rent and earns 8.29% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cheshire-east
  • Cheshire West and Chester: from the ONS average 2-bed rent of £922 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £397.35 a month in 2026-27, £43.10 of every £100 (86th of 293 councils); with no mortgage, £724.65 a month (£78.60). The £40,958 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.6 years to earn back from the rent and earns 11.64% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cheshire-west-and-chester
  • Chorley: from the ONS average 2-bed rent of £768 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £315.18 a month in 2026-27, £41.04 of every £100 (129th of 293 councils); with no mortgage, £601.45 a month (£78.31). The £35,635 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.4 years to earn back from the rent and earns 10.61% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#chorley
  • Cumberland: from the ONS average 2-bed rent of £649 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £277.47 a month in 2026-27, £42.75 of every £100 (91st of 293 councils); with no mortgage, £506.25 a month (£78.00). The £28,478 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.6 years to earn back from the rent and earns 11.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cumberland
  • Fylde: from the ONS average 2-bed rent of £791 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £299.68 a month in 2026-27, £37.89 of every £100 (192nd of 293 councils); with no mortgage, £619.85 a month (£78.36). The £40,011 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.1 years to earn back from the rent and earns 8.99% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#fylde
  • Halton: from the ONS average 2-bed rent of £690 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £293.16 a month in 2026-27, £42.49 of every £100 (98th of 293 councils); with no mortgage, £539.05 a month (£78.12). The £30,608 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.7 years to earn back from the rent and earns 11.49% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#halton
  • Hyndburn: from the ONS average 2-bed rent of £624 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £282.98 a month in 2026-27, £45.35 of every £100 (41st of 293 councils); with no mortgage, £486.25 a month (£77.92). The £25,302 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.5 years to earn back from the rent and earns 13.42% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hyndburn
  • Knowsley: from the ONS average 2-bed rent of £769 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £365.58 a month in 2026-27, £47.54 of every £100 (9th of 293 councils); with no mortgage, £602.25 a month (£78.32). The £29,461 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.7 years to earn back from the rent and earns 14.89% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#knowsley
  • Lancaster: from the ONS average 2-bed rent of £758 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £312.88 a month in 2026-27, £41.28 of every £100 (124th of 293 councils); with no mortgage, £593.45 a month (£78.29). The £34,925 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.3 years to earn back from the rent and earns 10.75% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#lancaster
  • Liverpool: from the ONS average 2-bed rent of £840 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £338.91 a month in 2026-27, £40.35 of every £100 (145th of 293 councils); with no mortgage, £649.66 a month (£77.34). The £38,760 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.5 years to earn back from the rent and earns 10.49% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £140.80 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £41.46 per £100. Note: the scheme ends 31 March 2027 (before 6 April 2027); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#liverpool
  • Manchester: from the ONS average 2-bed rent of £1,239 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £485.80 a month in 2026-27, £39.21 of every £100 (166th of 293 councils); with no mortgage, £965.40 a month (£77.92). The £61,181 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.5 years to earn back from the rent and earns 9.53% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £192.80 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £40.25 per £100. Note: one of its designations ends 30 April 2027 (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#manchester
  • Oldham: from the ONS average 2-bed rent of £888 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £369.17 a month in 2026-27, £41.57 of every £100 (116th of 293 councils); with no mortgage, £689.69 a month (£77.67). The £40,057 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9 years to earn back from the rent and earns 11.06% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £116.40 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £42.45 per £100. Note: the scheme ends 3 July 2027 (date from Kamma); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#oldham
  • Pendle: from the ONS average 2-bed rent of £636 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £281.11 a month in 2026-27, £44.20 of every £100 (67th of 293 councils); with no mortgage, £495.85 a month (£77.96). The £26,731 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.9 years to earn back from the rent and earns 12.62% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#pendle
  • Preston: from the ONS average 2-bed rent of £731 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £329.10 a month in 2026-27, £45.02 of every £100 (48th of 293 councils); with no mortgage, £571.85 a month (£78.23). The £30,217 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.7 years to earn back from the rent and earns 13.07% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#preston
  • Ribble Valley: from the ONS average 2-bed rent of £776 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £228.05 a month in 2026-27, £29.39 of every £100 (278th of 293 councils); with no mortgage, £607.85 a month (£78.33). The £47,929 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.5 years to earn back from the rent and earns 5.71% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#ribble-valley
  • Rochdale: from the ONS average 2-bed rent of £803 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £348.46 a month in 2026-27, £43.40 of every £100 (81st of 293 councils); with no mortgage, £629.45 a month (£78.39). The £34,977 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.4 years to earn back from the rent and earns 11.96% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rochdale
  • Rossendale: from the ONS average 2-bed rent of £758 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £290.82 a month in 2026-27, £38.37 of every £100 (183rd of 293 councils); with no mortgage, £593.45 a month (£78.29). The £37,682 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.8 years to earn back from the rent and earns 9.26% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rossendale
  • Salford: from the ONS average 2-bed rent of £1,086 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £484.23 a month in 2026-27, £44.59 of every £100 (57th of 293 councils); with no mortgage, £847.73 a month (£78.06). The £45,765 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.9 years to earn back from the rent and earns 12.70% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £121.80 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £45.34 per £100. Note: one of its designations ends 1 September 2027 (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#salford
  • Sefton: from the ONS average 2-bed rent of £815 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £327.65 a month in 2026-27, £40.20 of every £100 (148th of 293 councils); with no mortgage, £629.78 a month (£77.27). The £37,617 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.6 years to earn back from the rent and earns 10.45% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £139.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £41.34 per £100. Note: the scheme ends 29 February 2028; if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#sefton
  • South Ribble: from the ONS average 2-bed rent of £742 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £304.68 a month in 2026-27, £41.06 of every £100 (128th of 293 councils); with no mortgage, £580.65 a month (£78.25). The £34,352 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.4 years to earn back from the rent and earns 10.64% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-ribble
  • St Helens: from the ONS average 2-bed rent of £742 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £342.07 a month in 2026-27, £46.10 of every £100 (28th of 293 councils); with no mortgage, £580.65 a month (£78.25). The £29,698 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.2 years to earn back from the rent and earns 13.82% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#st-helens
  • Stockport: from the ONS average 2-bed rent of £1,042 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £397.29 a month in 2026-27, £38.13 of every £100 (188th of 293 councils); with no mortgage, £820.65 a month (£78.76). The £53,713 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.3 years to earn back from the rent and earns 8.88% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stockport
  • Tameside: from the ONS average 2-bed rent of £890 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £397.26 a month in 2026-27, £44.64 of every £100 (56th of 293 councils); with no mortgage, £699.05 a month (£78.54). The £37,571 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.9 years to earn back from the rent and earns 12.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tameside
  • Trafford: from the ONS average 2-bed rent of £1,205 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £429.53 a month in 2026-27, £35.65 of every £100 (234th of 293 councils); with no mortgage, £951.05 a month (£78.93). The £66,746 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.9 years to earn back from the rent and earns 7.72% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#trafford
  • Warrington: from the ONS average 2-bed rent of £839 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £330.79 a month in 2026-27, £39.43 of every £100 (160th of 293 councils); with no mortgage, £658.25 a month (£78.46). The £40,980 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.3 years to earn back from the rent and earns 9.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#warrington
  • West Lancashire: from the ONS average 2-bed rent of £731 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £271.39 a month in 2026-27, £37.13 of every £100 (205th of 293 councils); with no mortgage, £571.85 a month (£78.23). The £37,401 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.5 years to earn back from the rent and earns 8.71% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-lancashire
  • Westmorland and Furness: from the ONS average 2-bed rent of £776 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £284.58 a month in 2026-27, £36.67 of every £100 (214th of 293 councils); with no mortgage, £607.85 a month (£78.33). The £40,424 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.45% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#westmorland-and-furness
  • Wigan: from the ONS average 2-bed rent of £703 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £293.10 a month in 2026-27, £41.69 of every £100 (113th of 293 councils); with no mortgage, £549.45 a month (£78.16). The £31,911 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.1 years to earn back from the rent and earns 11.02% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wigan
  • Wirral: from the ONS average 2-bed rent of £743 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £271.72 a month in 2026-27, £36.57 of every £100 (216th of 293 councils); with no mortgage, £573.38 a month (£77.17). The £37,555 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.5 years to earn back from the rent and earns 8.68% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £121.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £37.66 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wirral
  • Wyre: from the ONS average 2-bed rent of £721 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £334.38 a month in 2026-27, £46.38 of every £100 (23rd of 293 councils); with no mortgage, £563.85 a month (£78.20). The £28,563 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.1 years to earn back from the rent and earns 14.05% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wyre
South East (64 councils)
  • Adur: from the ONS average 2-bed rent of £1,305 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £511.85 a month in 2026-27, £39.22 of every £100 (165th of 293 councils); with no mortgage, £1,031.05 a month (£79.01). The £66,439 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.8 years to earn back from the rent and earns 9.24% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#adur
  • Arun: from the ONS average 2-bed rent of £1,149 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £501.50 a month in 2026-27, £43.65 of every £100 (76th of 293 councils); with no mortgage, £906.25 a month (£78.87). The £51,242 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.5 years to earn back from the rent and earns 11.74% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#arun
  • Ashford: from the ONS average 2-bed rent of £1,148 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £515.93 a month in 2026-27, £44.94 of every £100 (51st of 293 councils); with no mortgage, £905.45 a month (£78.87). The £49,220 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8 years to earn back from the rent and earns 12.58% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#ashford
  • Basingstoke and Deane: from the ONS average 2-bed rent of £1,213 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £503.45 a month in 2026-27, £41.50 of every £100 (118th of 293 councils); with no mortgage, £957.45 a month (£78.93). The £57,781 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.6 years to earn back from the rent and earns 10.46% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#basingstoke-and-deane
  • Bracknell Forest: from the ONS average 2-bed rent of £1,362 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £561.27 a month in 2026-27, £41.21 of every £100 (125th of 293 councils); with no mortgage, £1,076.65 a month (£79.05). The £65,932 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.22% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bracknell-forest
  • Brighton and Hove: from the ONS average 2-bed rent of £1,525 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £485.90 a month in 2026-27, £31.86 of every £100 (266th of 293 councils); with no mortgage, £1,197.18 a month (£78.50). The £93,297 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 16 years to earn back from the rent and earns 6.25% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £148.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £32.51 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#brighton-and-hove
  • Buckinghamshire: from the ONS average 2-bed rent of £1,321 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £481.34 a month in 2026-27, £36.44 of every £100 (221st of 293 councils); with no mortgage, £1,043.85 a month (£79.02). The £72,189 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.5 years to earn back from the rent and earns 8.00% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#buckinghamshire
  • Canterbury: from the ONS average 2-bed rent of £1,138 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £455.37 a month in 2026-27, £40.02 of every £100 (151st of 293 councils); with no mortgage, £897.45 a month (£78.86). The £56,199 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.3 years to earn back from the rent and earns 9.72% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#canterbury
  • Cherwell: from the ONS average 2-bed rent of £1,229 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £554.45 a month in 2026-27, £45.11 of every £100 (45th of 293 councils); with no mortgage, £970.25 a month (£78.95). The £52,710 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.9 years to earn back from the rent and earns 12.62% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cherwell
  • Chichester: from the ONS average 2-bed rent of £1,229 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £449.15 a month in 2026-27, £36.55 of every £100 (217th of 293 councils); with no mortgage, £970.25 a month (£78.95). The £66,690 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.4 years to earn back from the rent and earns 8.08% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#chichester
  • Crawley: from the ONS average 2-bed rent of £1,392 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £592.29 a month in 2026-27, £42.55 of every £100 (97th of 293 councils); with no mortgage, £1,100.65 a month (£79.07). The £65,000 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.1 years to earn back from the rent and earns 10.93% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#crawley
  • Dartford: from the ONS average 2-bed rent of £1,424 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £634.89 a month in 2026-27, £44.58 of every £100 (58th of 293 councils); with no mortgage, £1,126.25 a month (£79.09). The £62,742 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.2 years to earn back from the rent and earns 12.14% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#dartford
  • Dover: from the ONS average 2-bed rent of £966 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £401.29 a month in 2026-27, £41.54 of every £100 (117th of 293 councils); with no mortgage, £759.85 a month (£78.66). The £45,109 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.4 years to earn back from the rent and earns 10.68% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#dover
  • East Hampshire: from the ONS average 2-bed rent of £1,182 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £453.33 a month in 2026-27, £38.35 of every £100 (184th of 293 councils); with no mortgage, £932.65 a month (£78.90). The £61,144 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.2 years to earn back from the rent and earns 8.90% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-hampshire
  • Eastbourne: from the ONS average 2-bed rent of £1,083 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £429.39 a month in 2026-27, £39.65 of every £100 (156th of 293 councils); with no mortgage, £853.45 a month (£78.80). The £53,805 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.4 years to earn back from the rent and earns 9.58% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#eastbourne
  • Eastleigh: from the ONS average 2-bed rent of £1,115 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £481.49 a month in 2026-27, £43.18 of every £100 (83rd of 293 councils); with no mortgage, £879.05 a month (£78.84). The £50,287 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.7 years to earn back from the rent and earns 11.49% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#eastleigh
  • Elmbridge: from the ONS average 2-bed rent of £1,584 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £421.25 a month in 2026-27, £26.59 of every £100 (285th of 293 councils); with no mortgage, £1,254.25 a month (£79.18). The £110,973 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 22 years to earn back from the rent and earns 4.56% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#elmbridge
  • Epsom and Ewell: from the ONS average 2-bed rent of £1,498 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £464.31 a month in 2026-27, £31.00 of every £100 (271st of 293 councils); with no mortgage, £1,185.45 a month (£79.14). The £94,729 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17 years to earn back from the rent and earns 5.88% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#epsom-and-ewell
  • Fareham: from the ONS average 2-bed rent of £1,076 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £462.12 a month in 2026-27, £42.95 of every £100 (88th of 293 councils); with no mortgage, £847.85 a month (£78.80). The £48,717 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.8 years to earn back from the rent and earns 11.38% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#fareham
  • Folkestone and Hythe: from the ONS average 2-bed rent of £1,041 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £418.83 a month in 2026-27, £40.23 of every £100 (147th of 293 councils); with no mortgage, £819.85 a month (£78.76). The £50,746 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.1 years to earn back from the rent and earns 9.90% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#folkestone-and-hythe
  • Gosport: from the ONS average 2-bed rent of £1,049 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £460.60 a month in 2026-27, £43.91 of every £100 (72nd of 293 councils); with no mortgage, £826.25 a month (£78.77). The £46,050 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.3 years to earn back from the rent and earns 12.00% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#gosport
  • Gravesham: from the ONS average 2-bed rent of £1,209 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £538.34 a month in 2026-27, £44.53 of every £100 (61st of 293 councils); with no mortgage, £954.25 a month (£78.93). The £52,724 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.2 years to earn back from the rent and earns 12.25% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#gravesham
  • Guildford: from the ONS average 2-bed rent of £1,557 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £575.51 a month in 2026-27, £36.96 of every £100 (209th of 293 councils); with no mortgage, £1,232.65 a month (£79.17). The £85,435 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.4 years to earn back from the rent and earns 8.08% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#guildford
  • Hart: from the ONS average 2-bed rent of £1,306 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £462.57 a month in 2026-27, £35.42 of every £100 (238th of 293 councils); with no mortgage, £1,031.85 a month (£79.01). The £73,089 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.2 years to earn back from the rent and earns 7.59% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hart
  • Hastings: from the ONS average 2-bed rent of £898 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £363.62 a month in 2026-27, £40.49 of every £100 (142nd of 293 councils); with no mortgage, £705.45 a month (£78.56). The £42,888 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.17% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#hastings
  • Havant: from the ONS average 2-bed rent of £1,092 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £463.89 a month in 2026-27, £42.48 of every £100 (99th of 293 councils); with no mortgage, £860.65 a month (£78.81). The £50,182 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9 years to earn back from the rent and earns 11.09% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#havant
  • Horsham: from the ONS average 2-bed rent of £1,366 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £556.90 a month in 2026-27, £40.77 of every £100 (138th of 293 councils); with no mortgage, £1,079.85 a month (£79.05). The £66,936 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10 years to earn back from the rent and earns 9.98% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#horsham
  • Isle of Wight: from the ONS average 2-bed rent of £874 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £357.22 a month in 2026-27, £40.87 of every £100 (133rd of 293 councils); with no mortgage, £686.25 a month (£78.52). The £41,187 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.6 years to earn back from the rent and earns 10.41% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#isle-of-wight
  • Lewes: from the ONS average 2-bed rent of £1,226 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £483.18 a month in 2026-27, £39.41 of every £100 (161st of 293 councils); with no mortgage, £967.85 a month (£78.94). The £61,854 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.7 years to earn back from the rent and earns 9.37% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#lewes
  • Maidstone: from the ONS average 2-bed rent of £1,199 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £506.11 a month in 2026-27, £42.21 of every £100 (104th of 293 councils); with no mortgage, £946.25 a month (£78.92). The £55,940 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.2 years to earn back from the rent and earns 10.86% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#maidstone
  • Medway: from the ONS average 2-bed rent of £1,140 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £491.96 a month in 2026-27, £43.15 of every £100 (85th of 293 councils); with no mortgage, £899.05 a month (£78.86). The £51,553 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.7 years to earn back from the rent and earns 11.45% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted for 2026-27: not in force on 5 November 2026; the scheme starts 4 January 2027 (counted in the 2027-28 views). Source: LetCompliance, letcompliance.com/buy-to-let-by-council#medway
  • Mid Sussex: from the ONS average 2-bed rent of £1,302 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £500.53 a month in 2026-27, £38.44 of every £100 (180th of 293 councils); with no mortgage, £1,028.65 a month (£79.01). The £67,623 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.3 years to earn back from the rent and earns 8.88% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#mid-sussex
  • Milton Keynes: from the ONS average 2-bed rent of £1,219 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £565.84 a month in 2026-27, £46.42 of every £100 (22nd of 293 councils); with no mortgage, £962.25 a month (£78.94). The £50,134 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.4 years to earn back from the rent and earns 13.54% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#milton-keynes
  • Mole Valley: from the ONS average 2-bed rent of £1,469 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £476.57 a month in 2026-27, £32.44 of every £100 (264th of 293 councils); with no mortgage, £1,162.25 a month (£79.12). The £89,579 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 15.7 years to earn back from the rent and earns 6.38% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#mole-valley
  • New Forest: from the ONS average 2-bed rent of £1,138 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £425.56 a month in 2026-27, £37.40 of every £100 (201st of 293 councils); with no mortgage, £897.45 a month (£78.86). The £60,157 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.49% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#new-forest
  • Oxford: from the ONS average 2-bed rent of £1,662 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £603.44 a month in 2026-27, £36.31 of every £100 (222nd of 293 councils); with no mortgage, £1,305.28 a month (£78.54). The £91,927 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.7 years to earn back from the rent and earns 7.88% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £170.60 a year is counted, assuming the home is inside the licensed area. Note: the scheme ends 31 August 2027, and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#oxford
  • Portsmouth: from the ONS average 2-bed rent of £1,139 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £505.04 a month in 2026-27, £44.34 of every £100 (63rd of 293 councils); with no mortgage, £898.25 a month (£78.86). The £49,709 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.2 years to earn back from the rent and earns 12.19% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#portsmouth
  • Reading: from the ONS average 2-bed rent of £1,399 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £566.22 a month in 2026-27, £40.47 of every £100 (143rd of 293 councils); with no mortgage, £1,106.25 a month (£79.07). The £69,204 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.2 years to earn back from the rent and earns 9.82% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#reading
  • Reigate and Banstead: from the ONS average 2-bed rent of £1,493 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £530.39 a month in 2026-27, £35.53 of every £100 (236th of 293 councils); with no mortgage, £1,181.45 a month (£79.13). The £84,551 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.3 years to earn back from the rent and earns 7.53% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#reigate-and-banstead
  • Rother: from the ONS average 2-bed rent of £1,029 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £372.68 a month in 2026-27, £36.22 of every £100 (225th of 293 councils); with no mortgage, £810.25 a month (£78.74). The £55,600 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.4 years to earn back from the rent and earns 8.04% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rother
  • Runnymede: from the ONS average 2-bed rent of £1,406 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £516.28 a month in 2026-27, £36.72 of every £100 (213th of 293 councils); with no mortgage, £1,111.85 a month (£79.08). The £76,579 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.4 years to earn back from the rent and earns 8.09% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#runnymede
  • Rushmoor: from the ONS average 2-bed rent of £1,274 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £527.76 a month in 2026-27, £41.43 of every £100 (119th of 293 councils); with no mortgage, £1,006.25 a month (£78.98). The £61,034 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.6 years to earn back from the rent and earns 10.38% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rushmoor
  • Sevenoaks: from the ONS average 2-bed rent of £1,596 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £592.42 a month in 2026-27, £37.12 of every £100 (207th of 293 councils); with no mortgage, £1,263.85 a month (£79.19). The £87,511 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.3 years to earn back from the rent and earns 8.12% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#sevenoaks
  • Slough: from the ONS average 2-bed rent of £1,426 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £581.92 a month in 2026-27, £40.81 of every £100 (137th of 293 councils); with no mortgage, £1,127.85 a month (£79.09). The £69,987 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10 years to earn back from the rent and earns 9.98% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#slough
  • South Oxfordshire: from the ONS average 2-bed rent of £1,307 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £465.15 a month in 2026-27, £35.59 of every £100 (235th of 293 councils); with no mortgage, £1,032.65 a month (£79.01). The £72,852 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.1 years to earn back from the rent and earns 7.66% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-oxfordshire
  • Southampton: from the ONS average 2-bed rent of £1,117 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £511.75 a month in 2026-27, £45.82 of every £100 (35th of 293 councils); with no mortgage, £880.65 a month (£78.84). The £46,481 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.6 years to earn back from the rent and earns 13.21% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#southampton
  • Spelthorne: from the ONS average 2-bed rent of £1,609 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £624.38 a month in 2026-27, £38.81 of every £100 (174th of 293 councils); with no mortgage, £1,274.25 a month (£79.20). The £84,379 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.3 years to earn back from the rent and earns 8.88% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#spelthorne
  • Surrey Heath: from the ONS average 2-bed rent of £1,340 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £504.17 a month in 2026-27, £37.63 of every £100 (197th of 293 councils); with no mortgage, £1,059.05 a month (£79.03). The £71,175 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.50% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#surrey-heath
  • Swale: from the ONS average 2-bed rent of £1,042 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £453.05 a month in 2026-27, £43.48 of every £100 (78th of 293 councils); with no mortgage, £820.65 a month (£78.76). The £46,310 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.5 years to earn back from the rent and earns 11.74% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#swale
  • Tandridge: from the ONS average 2-bed rent of £1,476 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £547.14 a month in 2026-27, £37.07 of every £100 (208th of 293 councils); with no mortgage, £1,167.85 a month (£79.12). The £80,143 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.2 years to earn back from the rent and earns 8.19% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tandridge
  • Test Valley: from the ONS average 2-bed rent of £1,144 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £488.39 a month in 2026-27, £42.69 of every £100 (94th of 293 councils); with no mortgage, £902.25 a month (£78.87). The £52,451 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.9 years to earn back from the rent and earns 11.17% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#test-valley
  • Thanet: from the ONS average 2-bed rent of £1,010 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £414.11 a month in 2026-27, £41.00 of every £100 (131st of 293 councils); with no mortgage, £795.05 a month (£78.72). The £48,080 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.7 years to earn back from the rent and earns 10.34% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#thanet
  • Tonbridge and Malling: from the ONS average 2-bed rent of £1,343 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £527.88 a month in 2026-27, £39.31 of every £100 (162nd of 293 councils); with no mortgage, £1,061.45 a month (£79.04). The £68,347 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.8 years to earn back from the rent and earns 9.27% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tonbridge-and-malling
  • Tunbridge Wells: from the ONS average 2-bed rent of £1,414 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £496.91 a month in 2026-27, £35.14 of every £100 (244th of 293 councils); with no mortgage, £1,118.25 a month (£79.08). The £80,235 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.5 years to earn back from the rent and earns 7.43% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tunbridge-wells
  • Vale of White Horse: from the ONS average 2-bed rent of £1,245 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £478.49 a month in 2026-27, £38.43 of every £100 (181st of 293 councils); with no mortgage, £983.05 a month (£78.96). The £64,493 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.2 years to earn back from the rent and earns 8.90% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#vale-of-white-horse
  • Waverley: from the ONS average 2-bed rent of £1,364 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £410.34 a month in 2026-27, £30.08 of every £100 (276th of 293 councils); with no mortgage, £1,078.25 a month (£79.05). The £86,998 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.7 years to earn back from the rent and earns 5.66% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#waverley
  • Wealden: from the ONS average 2-bed rent of £1,147 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £468.63 a month in 2026-27, £40.86 of every £100 (135th of 293 councils); with no mortgage, £904.65 a month (£78.87). The £55,394 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.9 years to earn back from the rent and earns 10.15% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wealden
  • West Berkshire: from the ONS average 2-bed rent of £1,232 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £468.56 a month in 2026-27, £38.03 of every £100 (190th of 293 councils); with no mortgage, £972.65 a month (£78.95). The £64,432 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.5 years to earn back from the rent and earns 8.73% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-berkshire
  • West Oxfordshire: from the ONS average 2-bed rent of £1,218 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £454.50 a month in 2026-27, £37.31 of every £100 (202nd of 293 councils); with no mortgage, £961.45 a month (£78.94). The £64,813 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.9 years to earn back from the rent and earns 8.42% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-oxfordshire
  • Winchester: from the ONS average 2-bed rent of £1,325 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £501.68 a month in 2026-27, £37.86 of every £100 (193rd of 293 councils); with no mortgage, £1,047.05 a month (£79.02). The £69,913 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.6 years to earn back from the rent and earns 8.61% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#winchester
  • Windsor and Maidenhead: from the ONS average 2-bed rent of £1,568 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £499.37 a month in 2026-27, £31.85 of every £100 (267th of 293 councils); with no mortgage, £1,241.45 a month (£79.17). The £97,770 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 16.3 years to earn back from the rent and earns 6.13% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#windsor-and-maidenhead
  • Woking: from the ONS average 2-bed rent of £1,450 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £544.48 a month in 2026-27, £37.55 of every £100 (199th of 293 councils); with no mortgage, £1,147.05 a month (£79.11). The £77,509 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.9 years to earn back from the rent and earns 8.43% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#woking
  • Wokingham: from the ONS average 2-bed rent of £1,348 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £473.78 a month in 2026-27, £35.15 of every £100 (243rd of 293 councils); with no mortgage, £1,065.45 a month (£79.04). The £76,062 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.4 years to earn back from the rent and earns 7.47% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wokingham
  • Worthing: from the ONS average 2-bed rent of £1,184 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £496.93 a month in 2026-27, £41.97 of every £100 (106th of 293 councils); with no mortgage, £934.25 a month (£78.91). The £55,565 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.3 years to earn back from the rent and earns 10.73% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#worthing
South West (27 councils)
  • Bath and North East Somerset: from the ONS average 2-bed rent of £1,530 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £637.57 a month in 2026-27, £41.67 of every £100 (115th of 293 councils); with no mortgage, £1,211.05 a month (£79.15). The £73,645 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.6 years to earn back from the rent and earns 10.39% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bath-and-north-east-somerset
  • Bournemouth, Christchurch and Poole: from the ONS average 2-bed rent of £1,170 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £448.35 a month in 2026-27, £38.32 of every £100 (186th of 293 councils); with no mortgage, £923.05 a month (£78.89). The £60,529 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.3 years to earn back from the rent and earns 8.89% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bournemouth-christchurch-and-poole
  • Bristol: from the ONS average 2-bed rent of £1,551 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £631.39 a month in 2026-27, £40.71 of every £100 (139th of 293 councils); with no mortgage, £1,215.69 a month (£78.38). The £75,082 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.9 years to earn back from the rent and earns 10.09% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £182.40 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £41.49 per £100. Note: one of its designations ends 5 April 2027 (before 6 April 2027) (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bristol
  • Cheltenham: from the ONS average 2-bed rent of £1,103 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £375.92 a month in 2026-27, £34.08 of every £100 (253rd of 293 councils); with no mortgage, £869.45 a month (£78.83). The £63,030 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14 years to earn back from the rent and earns 7.16% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cheltenham
  • Cornwall: from the ONS average 2-bed rent of £877 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £340.07 a month in 2026-27, £38.78 of every £100 (176th of 293 councils); with no mortgage, £688.65 a month (£78.52). The £43,783 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.7 years to earn back from the rent and earns 9.32% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cornwall
  • Cotswold: from the ONS average 2-bed rent of £1,115 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £376.77 a month in 2026-27, £33.79 of every £100 (256th of 293 councils); with no mortgage, £879.05 a month (£78.84). The £64,192 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.2 years to earn back from the rent and earns 7.04% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cotswold
  • Dorset: from the ONS average 2-bed rent of £969 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £353.82 a month in 2026-27, £36.51 of every £100 (219th of 293 councils); with no mortgage, £762.25 a month (£78.66). The £51,732 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.2 years to earn back from the rent and earns 8.21% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#dorset
  • East Devon: from the ONS average 2-bed rent of £904 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £268.42 a month in 2026-27, £29.69 of every £100 (277th of 293 councils); with no mortgage, £710.25 a month (£78.57). The £56,167 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 17.4 years to earn back from the rent and earns 5.73% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-devon
  • Exeter: from the ONS average 2-bed rent of £1,130 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £483.58 a month in 2026-27, £42.80 of every £100 (90th of 293 councils); with no mortgage, £891.05 a month (£78.85). The £51,603 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.9 years to earn back from the rent and earns 11.25% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#exeter
  • Forest of Dean: from the ONS average 2-bed rent of £800 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £310.89 a month in 2026-27, £38.86 of every £100 (173rd of 293 councils); with no mortgage, £627.05 a month (£78.38). The £39,478 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.6 years to earn back from the rent and earns 9.45% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#forest-of-dean
  • Gloucester: from the ONS average 2-bed rent of £976 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £451.14 a month in 2026-27, £46.22 of every £100 (27th of 293 councils); with no mortgage, £767.85 a month (£78.67). The £39,551 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.3 years to earn back from the rent and earns 13.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#gloucester
  • Isles of Scilly is not ranked: ONS publishes no rent for it. Source: LetCompliance, letcompliance.com/buy-to-let-by-council
  • Mid Devon: from the ONS average 2-bed rent of £812 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £318.57 a month in 2026-27, £39.23 of every £100 (164th of 293 councils); with no mortgage, £636.65 a month (£78.41). The £39,733 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.4 years to earn back from the rent and earns 9.62% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#mid-devon
  • North Devon: from the ONS average 2-bed rent of £780 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £281.18 a month in 2026-27, £36.05 of every £100 (230th of 293 councils); with no mortgage, £611.05 a month (£78.34). The £41,299 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.2 years to earn back from the rent and earns 8.17% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-devon
  • North Somerset: from the ONS average 2-bed rent of £1,082 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £443.29 a month in 2026-27, £40.97 of every £100 (132nd of 293 councils); with no mortgage, £852.65 a month (£78.80). The £51,855 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.7 years to earn back from the rent and earns 10.26% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-somerset
  • Plymouth: from the ONS average 2-bed rent of £889 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £375.50 a month in 2026-27, £42.24 of every £100 (102nd of 293 councils); with no mortgage, £698.25 a month (£78.54). The £40,355 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9 years to earn back from the rent and earns 11.17% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#plymouth
  • Somerset: from the ONS average 2-bed rent of £918 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £393.17 a month in 2026-27, £42.83 of every £100 (89th of 293 councils); with no mortgage, £721.45 a month (£78.59). The £41,088 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.7 years to earn back from the rent and earns 11.48% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#somerset
  • South Gloucestershire: from the ONS average 2-bed rent of £1,283 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £595.01 a month in 2026-27, £46.38 of every £100 (23rd of 293 councils); with no mortgage, £1,013.45 a month (£78.99). The £53,060 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.4 years to earn back from the rent and earns 13.46% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-gloucestershire
  • South Hams: from the ONS average 2-bed rent of £922 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £268.43 a month in 2026-27, £29.11 of every £100 (279th of 293 councils); with no mortgage, £724.65 a month (£78.60). The £58,077 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 18 years to earn back from the rent and earns 5.55% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-hams
  • Stroud: from the ONS average 2-bed rent of £966 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £358.90 a month in 2026-27, £37.15 of every £100 (204th of 293 councils); with no mortgage, £759.85 a month (£78.66). The £50,737 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.8 years to earn back from the rent and earns 8.49% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stroud
  • Swindon: from the ONS average 2-bed rent of £994 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £411.18 a month in 2026-27, £41.37 of every £100 (123rd of 293 councils); with no mortgage, £782.25 a month (£78.70). The £46,769 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.5 years to earn back from the rent and earns 10.55% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#swindon
  • Teignbridge: from the ONS average 2-bed rent of £873 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £324.95 a month in 2026-27, £37.22 of every £100 (203rd of 293 councils); with no mortgage, £685.45 a month (£78.52). The £45,366 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.6 years to earn back from the rent and earns 8.60% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#teignbridge
  • Tewkesbury: from the ONS average 2-bed rent of £990 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £433.19 a month in 2026-27, £43.76 of every £100 (73rd of 293 councils); with no mortgage, £779.05 a month (£78.69). The £43,423 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.4 years to earn back from the rent and earns 11.97% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tewkesbury
  • Torbay: from the ONS average 2-bed rent of £819 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £314.74 a month in 2026-27, £38.43 of every £100 (181st of 293 councils); with no mortgage, £642.25 a month (£78.42). The £40,985 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.9 years to earn back from the rent and earns 9.22% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#torbay
  • Torridge: from the ONS average 2-bed rent of £742 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £251.42 a month in 2026-27, £33.88 of every £100 (254th of 293 councils); with no mortgage, £580.65 a month (£78.25). The £41,215 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13.7 years to earn back from the rent and earns 7.32% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#torridge
  • West Devon: from the ONS average 2-bed rent of £778 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £257.14 a month in 2026-27, £33.05 of every £100 (262nd of 293 councils); with no mortgage, £609.45 a month (£78.34). The £44,278 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.3 years to earn back from the rent and earns 6.97% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#west-devon
  • Wiltshire: from the ONS average 2-bed rent of £981 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £390.25 a month in 2026-27, £39.78 of every £100 (154th of 293 councils); with no mortgage, £771.85 a month (£78.68). The £48,168 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.3 years to earn back from the rent and earns 9.72% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wiltshire
West Midlands (30 councils)
  • Birmingham: from the ONS average 2-bed rent of £1,009 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £438.22 a month in 2026-27, £43.43 of every £100 (79th of 293 councils); with no mortgage, £784.92 a month (£77.79). The £43,535 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.3 years to earn back from the rent and earns 12.08% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £140.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £44.36 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#birmingham
  • Bromsgrove: from the ONS average 2-bed rent of £904 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £344.22 a month in 2026-27, £38.08 of every £100 (189th of 293 councils); with no mortgage, £710.25 a month (£78.57). The £46,100 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.2 years to earn back from the rent and earns 8.96% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bromsgrove
  • Cannock Chase: from the ONS average 2-bed rent of £782 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £357.74 a month in 2026-27, £45.75 of every £100 (37th of 293 councils); with no mortgage, £612.65 a month (£78.34). The £31,732 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.4 years to earn back from the rent and earns 13.53% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#cannock-chase
  • Coventry: from the ONS average 2-bed rent of £915 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £407.22 a month in 2026-27, £44.51 of every £100 (62nd of 293 councils); with no mortgage, £719.05 a month (£78.58). The £38,904 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8 years to earn back from the rent and earns 12.56% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#coventry
  • Dudley: from the ONS average 2-bed rent of £780 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £320.78 a month in 2026-27, £41.13 of every £100 (127th of 293 councils); with no mortgage, £611.05 a month (£78.34). The £36,132 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.4 years to earn back from the rent and earns 10.65% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#dudley
  • East Staffordshire: from the ONS average 2-bed rent of £779 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £344.49 a month in 2026-27, £44.22 of every £100 (65th of 293 councils); with no mortgage, £600.92 a month (£77.14). The £31,921 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.7 years to earn back from the rent and earns 12.95% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £140.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £45.42 per £100. Note: one of its designations ends 11 September 2027 (the others run later); if licences end with it, a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-staffordshire
  • Herefordshire: from the ONS average 2-bed rent of £782 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £304.49 a month in 2026-27, £38.94 of every £100 (170th of 293 councils); with no mortgage, £612.65 a month (£78.34). The £38,417 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.5 years to earn back from the rent and earns 9.51% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#herefordshire
  • Lichfield: from the ONS average 2-bed rent of £965 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £363.61 a month in 2026-27, £37.68 of every £100 (196th of 293 councils); with no mortgage, £759.05 a month (£78.66). The £50,006 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.5 years to earn back from the rent and earns 8.73% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#lichfield
  • Malvern Hills: from the ONS average 2-bed rent of £886 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £254.25 a month in 2026-27, £28.70 of every £100 (281st of 293 councils); with no mortgage, £695.85 a month (£78.54). The £56,135 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 18.4 years to earn back from the rent and earns 5.44% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#malvern-hills
  • Newcastle-under-Lyme: from the ONS average 2-bed rent of £747 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £365.58 a month in 2026-27, £48.94 of every £100 (3rd of 293 councils); with no mortgage, £584.65 a month (£78.27). The £27,271 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.2 years to earn back from the rent and earns 16.09% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#newcastle-under-lyme
  • North Warwickshire: from the ONS average 2-bed rent of £884 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £366.03 a month in 2026-27, £41.41 of every £100 (121st of 293 councils); with no mortgage, £694.25 a month (£78.54). The £41,080 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.4 years to earn back from the rent and earns 10.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-warwickshire
  • Nuneaton and Bedworth: from the ONS average 2-bed rent of £830 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £382.64 a month in 2026-27, £46.10 of every £100 (28th of 293 councils); with no mortgage, £651.05 a month (£78.44). The £33,411 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.3 years to earn back from the rent and earns 13.74% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#nuneaton-and-bedworth
  • Redditch: from the ONS average 2-bed rent of £887 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £417.35 a month in 2026-27, £47.05 of every £100 (16th of 293 councils); with no mortgage, £696.65 a month (£78.54). The £34,766 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.9 years to earn back from the rent and earns 14.41% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#redditch
  • Rugby: from the ONS average 2-bed rent of £935 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £421.18 a month in 2026-27, £45.05 of every £100 (47th of 293 councils); with no mortgage, £735.05 a month (£78.61). The £39,174 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.8 years to earn back from the rent and earns 12.90% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rugby
  • Sandwell: from the ONS average 2-bed rent of £851 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £398.65 a month in 2026-27, £46.85 of every £100 (19th of 293 councils); with no mortgage, £667.85 a month (£78.48). The £33,508 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7 years to earn back from the rent and earns 14.28% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#sandwell
  • Shropshire: from the ONS average 2-bed rent of £773 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £278.71 a month in 2026-27, £36.06 of every £100 (228th of 293 councils); with no mortgage, £605.45 a month (£78.32). The £40,884 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 12.2 years to earn back from the rent and earns 8.18% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#shropshire
  • Solihull: from the ONS average 2-bed rent of £1,069 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £403.91 a month in 2026-27, £37.78 of every £100 (195th of 293 councils); with no mortgage, £842.25 a month (£78.79). The £55,702 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.5 years to earn back from the rent and earns 8.70% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#solihull
  • South Staffordshire: from the ONS average 2-bed rent of £864 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £323.33 a month in 2026-27, £37.42 of every £100 (200th of 293 councils); with no mortgage, £678.25 a month (£78.50). The £44,626 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.5 years to earn back from the rent and earns 8.69% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#south-staffordshire
  • Stafford: from the ONS average 2-bed rent of £792 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £349.57 a month in 2026-27, £44.14 of every £100 (69th of 293 councils); with no mortgage, £620.65 a month (£78.36). The £33,742 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8 years to earn back from the rent and earns 12.43% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stafford
  • Staffordshire Moorlands: from the ONS average 2-bed rent of £689 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £268.10 a month in 2026-27, £38.91 of every £100 (171st of 293 councils); with no mortgage, £538.25 a month (£78.12). The £33,627 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.5 years to earn back from the rent and earns 9.57% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#staffordshire-moorlands
  • Stoke-on-Trent: from the ONS average 2-bed rent of £665 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £303.09 a month in 2026-27, £45.58 of every £100 (38th of 293 councils); with no mortgage, £519.05 a month (£78.05). The £26,883 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.4 years to earn back from the rent and earns 13.53% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stoke-on-trent
  • Stratford-on-Avon: from the ONS average 2-bed rent of £1,021 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £345.58 a month in 2026-27, £33.85 of every £100 (255th of 293 councils); with no mortgage, £803.85 a month (£78.73). The £58,348 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.1 years to earn back from the rent and earns 7.11% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#stratford-on-avon
  • Tamworth: from the ONS average 2-bed rent of £832 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £367.43 a month in 2026-27, £44.16 of every £100 (68th of 293 councils); with no mortgage, £652.65 a month (£78.44). The £35,504 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.1 years to earn back from the rent and earns 12.42% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#tamworth
  • Telford and Wrekin: from the ONS average 2-bed rent of £771 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £365.43 a month in 2026-27, £47.40 of every £100 (12th of 293 councils); with no mortgage, £603.85 a month (£78.32). The £29,678 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.8 years to earn back from the rent and earns 14.78% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#telford-and-wrekin
  • Walsall: from the ONS average 2-bed rent of £802 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £334.93 a month in 2026-27, £41.76 of every £100 (110th of 293 councils); with no mortgage, £628.65 a month (£78.39). The £36,561 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.1 years to earn back from the rent and earns 10.99% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#walsall
  • Warwick: from the ONS average 2-bed rent of £1,108 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £352.35 a month in 2026-27, £31.80 of every £100 (269th of 293 councils); with no mortgage, £873.45 a month (£78.83). The £66,690 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 15.8 years to earn back from the rent and earns 6.34% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#warwick
  • Wolverhampton: from the ONS average 2-bed rent of £845 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £390.96 a month in 2026-27, £46.27 of every £100 (25th of 293 councils); with no mortgage, £663.05 a month (£78.47). The £33,869 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.2 years to earn back from the rent and earns 13.85% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wolverhampton
  • Worcester: from the ONS average 2-bed rent of £915 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £381.94 a month in 2026-27, £41.74 of every £100 (111th of 293 councils); with no mortgage, £719.05 a month (£78.58). The £42,260 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.2 years to earn back from the rent and earns 10.85% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#worcester
  • Wychavon: from the ONS average 2-bed rent of £879 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £333.26 a month in 2026-27, £37.91 of every £100 (191st of 293 councils); with no mortgage, £690.25 a month (£78.53). The £44,900 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.2 years to earn back from the rent and earns 8.91% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wychavon
  • Wyre Forest: from the ONS average 2-bed rent of £753 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £298.46 a month in 2026-27, £39.64 of every £100 (157th of 293 councils); with no mortgage, £589.45 a month (£78.28). The £36,223 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.1 years to earn back from the rent and earns 9.89% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wyre-forest
Yorkshire and the Humber (15 councils)
  • Barnsley: from the ONS average 2-bed rent of £631 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £269.64 a month in 2026-27, £42.73 of every £100 (92nd of 293 councils); with no mortgage, £491.85 a month (£77.95). The £27,661 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.5 years to earn back from the rent and earns 11.70% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#barnsley
  • Bradford: from the ONS average 2-bed rent of £670 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £257.85 a month in 2026-27, £38.48 of every £100 (179th of 293 councils); with no mortgage, £523.05 a month (£78.07). The £33,013 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.7 years to earn back from the rent and earns 9.37% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#bradford
  • Calderdale: from the ONS average 2-bed rent of £688 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £238.25 a month in 2026-27, £34.63 of every £100 (250th of 293 councils); with no mortgage, £537.45 a month (£78.12). The £37,243 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 13 years to earn back from the rent and earns 7.68% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#calderdale
  • Doncaster: from the ONS average 2-bed rent of £641 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £275.98 a month in 2026-27, £43.06 of every £100 (87th of 293 councils); with no mortgage, £491.85 a month (£76.73). The £26,871 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 8.1 years to earn back from the rent and earns 12.32% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £120.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £44.30 per £100. Note: the scheme ends 28 February 2027 (date from Kamma) (before 6 April 2027), and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#doncaster
  • East Riding of Yorkshire: from the ONS average 2-bed rent of £650 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £260.50 a month in 2026-27, £40.08 of every £100 (150th of 293 councils); with no mortgage, £507.05 a month (£78.01). The £30,690 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.19% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#east-riding-of-yorkshire
  • Kingston upon Hull: from the ONS average 2-bed rent of £623 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £293.93 a month in 2026-27, £47.18 of every £100 (13th of 293 councils); with no mortgage, £485.45 a month (£77.92). The £23,841 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 6.8 years to earn back from the rent and earns 14.79% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#kingston-upon-hull
  • Kirklees: from the ONS average 2-bed rent of £714 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £273.04 a month in 2026-27, £38.24 of every £100 (187th of 293 councils); with no mortgage, £558.25 a month (£78.19). The £35,503 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.8 years to earn back from the rent and earns 9.23% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#kirklees
  • Leeds: from the ONS average 2-bed rent of £977 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £389.31 a month in 2026-27, £39.85 of every £100 (153rd of 293 councils); with no mortgage, £753.98 a month (£77.17). The £45,921 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.8 years to earn back from the rent and earns 10.17% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £220.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £41.35 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#leeds
  • North East Lincolnshire: from the ONS average 2-bed rent of £587 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £264.22 a month in 2026-27, £45.01 of every £100 (49th of 293 councils); with no mortgage, £443.32 a month (£75.52). The £22,294 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7 years to earn back from the rent and earns 14.22% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £200.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £47.28 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-east-lincolnshire
  • North Lincolnshire: from the ONS average 2-bed rent of £617 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £279.94 a month in 2026-27, £45.37 of every £100 (40th of 293 councils); with no mortgage, £467.92 a month (£75.84). The £23,399 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7 years to earn back from the rent and earns 14.36% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £191.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £47.44 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-lincolnshire
  • North Yorkshire: from the ONS average 2-bed rent of £771 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £250.48 a month in 2026-27, £32.49 of every £100 (263rd of 293 councils); with no mortgage, £594.58 a month (£77.12). The £43,190 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 14.4 years to earn back from the rent and earns 6.96% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £139.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £33.69 per £100. Note: one of its designations ends 30 April 2027 (the others run later), and licences end with it, so a licence bought now costs more a year than shown. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#north-yorkshire
  • Rotherham: from the ONS average 2-bed rent of £618 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £223.59 a month in 2026-27, £36.18 of every £100 (226th of 293 councils); with no mortgage, £468.45 a month (£75.80). The £30,480 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 11.4 years to earn back from the rent and earns 8.80% a year on the cash put in, before any rise or fall in the home’s value. A selective licence of £195.00 a year is counted, assuming the home is inside the licensed area. The scheme covers only part of the council; outside it, the mortgaged landlord keeps £38.28 per £100. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#rotherham
  • Sheffield: from the ONS average 2-bed rent of £844 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £342.78 a month in 2026-27, £40.61 of every £100 (141st of 293 councils); with no mortgage, £662.25 a month (£78.47). The £39,917 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 9.7 years to earn back from the rent and earns 10.30% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#sheffield
  • Wakefield: from the ONS average 2-bed rent of £730 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £328.50 a month in 2026-27, £45.00 of every £100 (50th of 293 councils); with no mortgage, £571.05 a month (£78.23). The £30,193 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 7.7 years to earn back from the rent and earns 13.06% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#wakefield
  • York: from the ONS average 2-bed rent of £1,088 a month (September 2026), a basic-rate landlord with a 25% deposit and an interest-only mortgage at 4.82%, the latest published average (UK Finance, Q2 2026), before the 5 November 2026 Bank Rate rise, keeps £422.03 a month in 2026-27, £38.79 of every £100 (175th of 293 councils); with no mortgage, £857.45 a month (£78.81). The £55,313 put in (a 25% deposit plus stamp duty at the rates for additional homes, fees not counted) takes 10.9 years to earn back from the rent and earns 9.16% a year on the cash put in, before any rise or fall in the home’s value. No selective licence is counted. Source: LetCompliance, letcompliance.com/buy-to-let-by-council#york

How to credit the figures

Source: LetCompliance, letcompliance.com/buy-to-let-by-council

Free to use with credit and a link: name LetCompliance as the source and link to letcompliance.com/buy-to-let-by-council. Contains public sector information licensed under the Open Government Licence v3.0 (ONS Price Index of Private Rents; HM Land Registry UK House Price Index). Open Government Licence v3.0.

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