Given current high interest rates and falling property values in some areas, does investing a £50k deposit into a UK buy-to-let or a diversified stock portfolio offer better long-term (10+ years) capital growth and income potential?
Quick Answer
Comparing a £50k investment into a buy-to-let versus a diversified stock portfolio for long-term capital growth and income involves assessing distinct risks and returns, including leverage for property and liquidity for stocks, alongside tax implications like the 5% SDLT surcharge and BTL mortgage interest rules.
About This Topic
Compare £50k buy-to-let vs. stocks for long-term growth (10+ years). Analyze property leverage, 5% SDLT surcharge, 4.75% base rate, and Section 24 against stock market liquidity and tax efficiency (18/24% CGT, £3k allowance).
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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