Is £100k enough to launch a property portfolio?

September 3, 2020

So many people are profiting from property these days. For some, property investment is part of their retirement planning strategy. For others, it’s an income stream that complements or even replaces that of their day job. But how much do you need to get started? Is £100k enough to launch a property portfolio?

In short, yes. £100k is enough to start building a property portfolio. It’s enough to split across two units, which means two lots of rent coming in and two assets that have the potential to appreciate in value. 
As an example, apartments at New School House in Birmingham – a city that’s a firm favourite with buy-to-let investors – are available for investment from £29,000. For a buyer with a buy-to-let mortgage, that leaves plenty of capital available to invest in a second property in order to start building up a solid portfolio.

“£100k is certainly enough to kick off an exciting property investment portfolio when it comes to the UK buy-to-let sector. It’s also enough to allow the investor to spread their risk by splitting their activity across two separate developments. Birmingham, Manchester and Liverpool are all home to attractive and affordable buy-to-let investments that would suit investors with these kinds of funds available.”

Dale Anderson, Managing Director, Fabrik Invest

There are various ways that those launching a property portfolio on a budget can make their funds go further. Finding the right development and buying at the right time are key, so it pays to shop around. At New School House, for example, there’s a £1,000 legal fee contribution for the first ten buyers. That’s an instant saving for those who do their homework and act decisively. 

The current stamp duty holiday in the UK also presents a potential saving, with no stamp duty applicable (aside from the standard 3% for second home owners/buy-to-let investors) on the first £500k of a property’s value until 31 March 2021. 

Of course, building a profitable portfolio is all about investing in the right location, as well as buying at the right price. In addition to major cities like Liverpool, Manchester and Birmingham, there are some surprisingly affordable commuter towns dotted around London, for those who know where to look.

“As with every kind of investment, doing thorough due diligence before you commit your funds is essential. Property investment delivers the potential for double returns in terms of rental income and capital growth but that doesn’t mean that every property will deliver. With £100k to invest, you have plenty of potential to make excellent returns if you invest wisely and cautiously.”

Dale Anderson, Managing Director, Fabrik Invest


To find out more about starting a property portfolio, why not get in touch with the Fabrik Invest team? You can call us on 020 8175 9891, email enquiries@fabrikpropertygroup.com or visit www.fabrikinvest.com.

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Wayne Venter

International Business Development Manager

Wayne has been in the property industry for over 17 years. He started out selling residential properties in the northern suburbs of Sandton, South Africa, for one of the bigger real estate brands, before moving to a boutique, Johannesburg-based property developer. He worked at a senior level, specialising in residential developments on the north coast of KZN and various other areas of Northern Johannesburg.

Wayne moved to selling luxury, free standing homes and apartments in Sandton, Johannesburg in 2006, having joined the Country’s leading real estate brand and within six months was leading the team. In 2008, he began to focus exclusively on the luxury apartments in central Sandton, priced from approximately R2 million to R60 million. Over the years, he has also added commercial property sales and rentals to his repertoire, as well as building his own investment property portfolio between 2011 and 2018.

By 2018, realising where the South African property market was headed, he sold out of his investment property portfolio to de-risk and went looking for a real estate company to buy into. South Africa’s property market was extremely volatile at that time, so Wayne took the initiative and moved to London to work in property in the UK.

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Edward Snell

Senior Property Consultant

I live in Spanish countryside with my wife and our 11 rescue dogs.

Originally from Bedford, I have two sons, two step children & 6 grandchildren.

I have a keen interest in property investment and over the years have built up a personal portfolio for the purposes of rental income and capital growth.

I have over 20 years’ experience in property investment, both in the UK & overseas.

My other interests include animal welfare, football, motorsports, travel and music

My personality is of an even temperament and I enjoy the cut and thrust of doing deals.
I am happy and successful in what I do & take great pleasure in providing my clients with successful outcomes.

I’m a good team player but work well as an individual.

Daniel Harburn

Property Sales Consultant

Daniel had a passion for property from a young age so he began his working life by undertaking a plumbing apprenticeship for a large well known UK developer to pursue a career in construction. After qualifying he soon realised that building relationships was a preferred skill of his due to his loyal and trusting nature.

From then on Daniel launched his career in sales where he worked his way to to a high performing sales person at a creative media company. Part of Daniels success in accumulating clients over the last 10 years is put down to his diligence in customer experience.

Daniel has a keen interest in golf and also in keeping himself fit which is essential as he and his fiancé have 4 year old twins, Jacob and Sofia who keep them both on their toes.

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