Investor's Guide
Mortgage Options and Considerations
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As a foreign investor, especially if it’s your first time, you’ll want to be cautious with your equity and make smart decisions on where you’re placing your money to maximise your investment return. And that’s why you need to find the right professionals with strong knowledge to navigate you through your big move in investing in another country. We have created this guide, to help you understand what to expect, how to approach each process and avoid all costly and legal mistakes to protect your equity and feel fully prepared for your investment journey.
Types Of Properties
Buy-To-Let
A residential or commercial property that is bought with the intention of renting it out to tenants to generate personal income or help pay off mortgage.
HMOs (House in Multiple Occupation)
This is when the landlord rents out their rooms to multiple unrelated tenants who only shares the certain facilities such as the bathroom or kitchen.
Off-Plan/New Builds
Investing in properties before they are built or newly constructed developments. These can offer modern amenities, warranties, and potentially lower purchase prices but carry risks related to development delays or market changes.
Commercial Property
A real estate building or land intended for business purposes such as offices, retail spaces, or restaurants.
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London - Capital City
London remains the UK’s leading city with a huge economy and population. It hosts a large portion of Europe’s major company headquarters. London’s success comes from:
- High and stable demand for real estate and business
- A diverse, global workforce
- Worldwide influence in fashion, education, and language
- No restrictions on foreign property ownership
- Prime central areas with luxury properties typically priced between £1.3 million and £2 million, showing strong capital growth
- Regeneration zones with properties ranging from around £570,000 to £900,000 offering good yields
- Family-friendly neighbourhoods with values from approximately £540,000 to £825,000 Yields on commercial investments generally range from 4–6%, supported by long-term leases and tax-efficient setups.

Manchester - UK’s Second Largest Economy
Manchester has a strong economy and is known for good rental yields, affordable housing, and major regeneration projects. The city offers:
- High-growth areas ideal for buy-to-let and capital gains, with property prices averaging £210,000 to £270,000 and yields around 7%
- Affluent suburbs with prices between £300,000 and £450,000 offering yields of 3.4% to 5.7%
- Affordable entry points for spacious homes
- A growing population and expanding professional workforce
- A thriving tech and innovation scene, making it a strong alternative to London

Liverpool - Regeneration Hub
Liverpool combines cultural heritage with ongoing regeneration, strong rental demand, and affordable property prices. Investment zones include:
- High-yield, affordable areas with prices from £115,000 to £155,000 and yields between 7.3% and 8.3%
- Balanced inner-city zones offering prices around £140,000 to £160,000 and yields of 6% to 7.7%
- Family-friendly suburbs priced between £320,000 and £390,000, with yields of 3.8% to 4.6%

Newcastle - Regeneration-Driven Growth
Newcastle is becoming an innovation hub with rapid economic growth and major development projects. The city features:
- City centre and nearby areas popular with students and professionals, with prices ranging from £135,000 to £170,000 and yields of 6.6% to 8.8%
- Affordable entry-level markets priced between £115,000 and £130,000 with yields of 5.8% to 6%
- Premium suburbs and coastal towns with prices from £360,000 to £640,000 and yields of 2.5% to 4.1%

Brighton - Coastal Growth & Regeneration Hub
Brighton and the surrounding coastal region are growing due to seaside town revivals, university presence, and good London commuter links. This area offers:
- Affordable seaside towns priced between £270,000 and £345,000 with yields of 4.3% to 5.2%
- Suburban and commuter-friendly locations with prices around £360,000 to £400,000 and yields of 4.2% to 4.9%
- Premium towns with prices from £460,000 to £655,000 and yields of 3.1% to 4.5%

Sheffield - Innovation, Students & Solid Returns
Sheffield is often overlooked but offers excellent rental yields, driven by a large student population and rapid tech sector development. Key investment areas include:
- Central zones with property prices of £125,000 to £170,000 and yields from 6% to 8.2%
- Affordable suburbs with prices between £115,000 and £175,000 and yields of 5.1% to 6.8%
- Affluent residential areas with prices from £350,000 to £485,000 and yields of 2.8% to 3.5%