How Inflation Impacts The Value Of Property (And Why Price Doesn’t Matter)

Inflation Impacting Value Of Property

Hi gang!

So, after watching yet another brazen ‘property guru’ shamelessly doing the rounds on social media, gleefully peddling their car-crash property course like they’re touting the cure for cancer, it dawned upon me that I’d love the opportunity to rip those blinding pearly white veneers straight out of their piehole.

But also (and this is the main point), I’ve seen enough of their sales pitches to realise that there seems to be either a severe case of clinical ignorance or, worse, wilful misguidance from these folk when it comes to the distinction between the price and value of an investment. It matters. A lot.

It’s always about house prices reaching astronomical levels, never about value.

Anyone that has chosen to take the goofy path of flogging property courses for a living – while self-proclaiming to be a “self-made property millionaire” (which is all of them) – really should know better, but for everyone else that is in the dark, I take on the challenge with zero condescending undertones, because in all honesty, I learned this stuff later than I should have.

Many of us already understand that inflation signifies an increase in the cost of living, but as landlords (and homeowners), understanding how and why it impacts the value and price of our assets can be life-changing.

Shall we? Let’s…

BTW, what an absolute shit-show! I overestimated my abilities by, like, infinity.

I carved out 30 – 45 mins of my morning to brainstorm and execute an infographic, to help make it super easy for any dummy to understand how inflation impacts the value of a property (and more importantly, why it matters).

This piece of crap ended up taking me all wanking day.

Mum is right, I am disappointing. Right now I feel like I am that person that would come out sucking my own thumb if I fell into a barrel of boobs.

Anyways. I got there eventually. So let’s marvel at the fruits of my labour. Anything less, and I may just cannonball myself out of the ground floor window onto an extra absorbent crash mat (it’s about making a statement, not inflicting physical pain on the merchandise).

How Inflation Impacts The Value Of Property

(Did I mention it took me all bloody day?)

The litmus test was running the infographic by my 12 yr old nincompoop nephew.

After glancing one eyeball over it (while the other was glued to an iPad), he assured me he gets it. Bear in mind, this is the same kid that spends his spare time trying to optimise how moist he can get his index finger with his own saliva before attempting to shove it in his little brother’s ear, screaming “wet willy

So if he actually gets it, I’m going to go ahead and give myself a pat on the back.

House Prices Vs House Prices Adjusted for Inflation (“Real House Prices”)

Anyone that has encountered a respectable house price chart during their travels will have been briefed on the way in, on whether they’re looking at house prices adjusted for inflation or not.

When the data is adjusted for inflation, it provides the real value of houses, by factoring in the influence of inflation. If the data is not adjusted, you’re getting the average prices at which houses were bought and sold (and not their true value).

Here’s how it works:

  • Firstly, house price data is collected, reflecting the average prices houses were bought and sold for during specific periods.
  • To calculate the inflation-adjusted values, the inflation rate for each period is subtracted from the corresponding average house price. For example, if the inflation rate in 2015 was 2% (average), £200,000 would be adjusted downwards by 2% to reflect its real purchasing power.
  • £200,000 adjusted for a 2% decrease due to inflation would be:

    £200,000 * 0.98 = £196,000.

    So while a “House price” chart would indicate that the average cost of a house in 2015 was £200,000, the corresponding value on a chart adjusted for inflation would be £196,000.

It can get even more frightening when assessing the value of houses over long periods depending on timeframes and acquisitions, particularly the past two decades…

UK Real House Prices Adjusted For Inflation

Source: UK Real House Prices Adjusted For Inflation

For example, the graph is showing, in 2022 Q1, the average property price was £305k, but it’s real term value today (2024 Q1) is £260k. You can run the calculation using this RPI calculator.

Don’t worry, I’m going to sprinkle some joy on this sinking turd soon (I intentionally picked a gut-wrenching example)!

What key points can we take away with this information as property investors?

Hopefully I’ve made a compelling (and easily digestible) case for why it’s useful (albeit, potentially a total snooze fest. I get it!) for investors to understand inflation, property prices and values, and how it all ties together.

Now, here are a few thoughts on how to apply this knowledge to practise (obviously not financial advice, just thoughts off the top of the dome on how it could be leveraged)…

  • Price matters when buying, value matters more when selling.
  • Return on investment Vs fiction – I’ve seen several property influencers base their sales pitch on property prices doubling every 10 years – they use it as a hook to lure in the punters, and it’s certainly very compelling. While prices may have historically doubled in 10 year cycles, it’s actually – for reasons explained – an arbitrary metric with very little meaning by itself from an investment standpoint.

    What if property prices doubled in price while jam doughnuts have multiplied by a billion?

    In the past 10 years, on a nationwide scale, many properties have not doubled in value against other goods and services (including jam doughnuts, probably). Not even close. Not saying properties haven’t outperformed or even remained in-line with inflation (I think either outcome is winning, personally), they have, but equally, many properties all over the country, especially in certain London boroughs, have lost value in “real terms” even though prices have spiked.

    So, it may not always be wise to plan an exit strategy based on historical house price data, and secondly, it’s important to be realistic about expected returns (which can still be great).

  • Property can recover, GBP cannot! This is exactly why we’re in the game and why investing in property is beautiful compared to hoarding vast sums of cash.

    Inflation is a fundamental feature of most monetary systems. Consequently, the pound sterling, along with almost every other fiat currency on the planet, is losing value over time. This reality is made clear by the 2% annual inflation rate target set by central banks. Unless our income keeps up with inflation, we’re effectively getting poorer every year. This is real for many people today, as inflation has been rampant and salaries and financial aid have been stagnant, hence the “cost-of-living crisis“.

    (side note: from what I’m aware, the 2% is another arbitrary number. No one can explain why it’s 2%. Moreover, it’s often not met. It’s just pointless!).

    Exhibit A: the destruction of GBP.

    Buying power GBP, 1950-2024


    That’s just pitiful.

    If you found your silver-lining in the stability that appears to occur after 1982, I’m sorry…

    Buying power GBP, 1982-2024

    Perspective is everything.

    Fortunately we’re not bound by our hard-earned and useless GBP; we can invest it into appreciating assets like property, where graphy goes up! The bugger [property] is resilient too; even if its value plateaus or jumps off a cliff, it has the potential to bounce back, and usually does. While full recovery isn’t guaranteed, there’s nothing in the genetic code preventing it.

    Moreover, we have direct influence over its value, irrespective of economic conditions. For instance, by adding a £29.99 extension, we can potentially increase the property’s value by £39.99.

    Some people have referred to the widespread decline in property value in real terms as “the silent property crash.” Personally, I think the real crash is occurring with our local currency, the proof is evident, and it’s making much less of a racket on the way down.

    So what does this ultimately mean? I believe I’m better off leaving my money parked in property for the long-term rather than holding cash; my wealth will be better preserved that way.

    Stock traders often say that you’re not in a losing trade if you don’t realise your losses. In other words, you’re not a loser unless you sell at a loss. The same very much applies with property investments.

  • Cashing out on a high! Knowing that property can fluctuate in value, we’re able to time when we sell (if we have that luxury) for optimal returns.

    As the well-known adage goes, sell on the way up, buy on the way down.

    Of course, from an investment standpoint, it’s counterintuitive to cash out on a high and sit on lumps of cash (because the process of dying slowly by a thousand inflation cuts starts immediately), but if the plan is to splash the cash or allocate the capital into other investments, happy days.

  • BTL generates yield! Thank God for rental income (which moves with inflation, and effectively erodes mortgage debt!), because even if we’ve been let down by capital growth, we can always make up ground with yield.
  • Buy the right property for the right price! Hi, it’s me, Captain Obvious! *waves*

    No, but seriously! The reason the property in my infographic may have underperformed is simply that it wasn’t a good investment from the offset, perhaps due to its location, property type, or whatever else.

    Even if properties are depreciating in “real terms” nationwide, your investment doesn’t have to follow the trend; obviously buying the right property at the right price helps.

The primary objective of this blog post is to highlight the difference between value and price, and how inflation impacts both – no more, no less.

If you sell your property for more than you purchased it, and you’ve managed to cover your costs with capital appreciation and/or yield (i.e. rental income), then you’re ultimately ‘cash wealthier‘ and better off than if you had just sat on that initial cash investment and done nothing with it. Congrats.

(disclaimer: I’ve intentionally made no account for tax implications, because I simply wanted to highlight Price Vs Value. Tax liability is something you will definitely need to evaluate, as it can change the entire landscape of your investment and decisions!)

How inflation is measured and problems with accuracy

UK inflation is measured by the Office for National Statistics using three different indexes, all tracking the changes in price of hundreds of things that people regularly buy, including everyday things like a loaf of bread and a bus ticket. It also includes much larger ones, like a car and a holiday. The point is, the indexes tell us whether life is becoming more expensive or cheaper.

  • Consumer Price Index (CPI) – measures the changes in prices of a fixed basket of goods and services that represent what the average consumer purchases regularly. While it covers a wide range of expenses, it does not directly include housing costs like mortgage interest payments, council tax, and other housing-related expenses.

    CPI is the “headline” measure of inflation, which means it’s the most widely reported and commonly used measure of inflation. In other words, it’s the main number that people and policymakers pay attention to when discussing inflation i.e. when you hear the inflation rate being discussed, it’s usually referring to the CPI.

  • Consumer Prices Index with Housing (CPIH) – measures the same as CPI, but includes housing-related costs, specifically the costs that homeowners deal with (e.g. mortgage interest payments, council tax, maintenance etc).

    CPIH is likely to be better suited for us homeowners, and it should come as no surprise that it’s recently been printing [significantly] higher rates than CPI (Mar 2024: CPI: 3.2%, CPIH: 3.8%).

    CPI being the headline rate certainly works out nicely for the Government, doesn’t it?

  • Retail Price Index (RPI) – introduced in 1947, this was the official headline consumer price inflation measure before CPI came along and stole the spotlight. From what I’m aware, it got replaced because it uses a methodology that is no longer reflective of modern economic conditions. However, it is similar to CPIH in the sense that it also includes housing costs.

    RPI for March 2024 is 3%.

    Even though RPI isn’t used as widely to measure inflation these days, I’ve noticed that some house price indexes still use it to calculate “real house prices” (e.g. Nationwide). That’s most likely the case because of the availability of historical data that CPI/CPIH doesn’t have, along with the inclusion of housing costs in its calculation, which remains significant for certain analyses, notably in the housing sector.

Alas, the baskets of crap probably isn’t an accurate reflection of what you and I buy on a day-to-day basis. Simply, their basket isn’t my basket.

At the time of writing this blog post (March 2024), and as already mentioned, CPI is 3.2% (CPIH is 3.8%). That obviously seems like a sick joke, because I know for a fact that my like-for-like spending has increased by considerably more compared to last year. I suspect yours has also. I wouldn’t feel nauseous every time I make a trip to my local supermarket if I was only contending with a 3.2% hike. Anyone seen the price of olive oil lately? Hello?

I don’t ‘spose they have my hairdresser’s rates in any of their baskets? That little rat-weasel went renegade and bumped his prices by 20%. Apparently due to some mumbo-jumbo about the rising cost of energy.

So what does this mean? Probably that our investments should not only beat inflation, but beat it by a significant margin in an ideal world (especially to absorb taxation on capital gains).

How to run your own calculations (to see if your investment is currently beating inflation)

  1. Bank of England’s CPI inflation calculator – retrieves data directly from CPI provided by the Office for National Statistics. It’s useful for assessing the real return on investment (ROI) for property investments and other appreciating assets.
  2. Office for National Statistics CPIH inflation calculator – this uses CPIH data, so it includes the costs associated with owning, maintaining and living a house, providing a more comprehensive means to gauge your personal inflation rate.

    This tool prompts users to manually input their expenditure across various categories such as food, energy bills, and travel expenses, offering a clearer picture of the inflation’s impact on individual finances.

Here’s a screenshot of the Bank Of England’s CPI calculator:

Impact of inflation

What is the result telling me? If I purchased a property in 2007 for £100,000 it should be valued at £162,653.22+ in order to be outpacing inflation. Anything less, and it’s lost value to the outside world.

But bear in mind, If I had deposited £100,000 into a bank account in 2007, its purchasing power would have eroded to the equivalent of £61,480.49 today (not accounting for any interest earned).

And there’s your sprinkle of joy! The real mugs are the people holding onto large bags of cash instead of investing.

Inflation100k saving today

That graphic thingy really did take me all day, ya know? I just need one angel to tell me they gained something valuable from it, and I’m certain it will make it feel all worthwhile! Failing that, at least tell me I picked nice colours, Christ.

Landlord out xo

26 Join the Conversation...

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NJB 26th April, 2024 @ 11:31

Nice colours in the infographic! :-)

Seriously - great post! Thank you!

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Jonathan 26th April, 2024 @ 11:46

Inflation does matter when it comes to capital gains tax as they take the price in £ you paid for the property and when you sell it many years later the price in £ you sell it for. The difference is what you have to pay capital gains tax on, even if it hasn't risen in value when you take inflation into account. So if inflation is high you pay a greater proportion of your properties value in capital gains tax.

The Landlord Avatar
The Landlord 26th April, 2024 @ 11:48

@NJB Ha, thanks :)

The Landlord Avatar
The Landlord 26th April, 2024 @ 11:52


Agreed. I intentionally didn't include tax implications because it will be different for everyone, and I really just wanted to highlight Price vs Value. It would have got very messy otherwise (plus, I didn't want to skirt the lines of offering financial advice).

I have added a disclaimer to address the exclusion of tax in my post, but hopefully made it clear that tax matters and can impact the strategy and landscape of an investment.

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Dirk 26th April, 2024 @ 12:27

What is missing from your analysis is leverage. Is you borrow as much as you can and just pay interest (from rent), the loan does not appreciate with inflation while the property does. So, if you buy at £100,000 with an £80,000 loan, after 10 years you might have a £200,000 property, but still only have a loan of £80,000. This works even better if you add a few noughts. 😎

The Landlord Avatar
The Landlord 26th April, 2024 @ 12:31

HI @Dirk,
Yup, I completely appreciate that inflation also erodes debt (if net income rises inline with inflation).

I intentionally didn't go into details of that (just like I didn't get into tax), because it strays from the principle of Price Vs Value.

I did drop small hints of what you're discussing though.

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AndyW 26th April, 2024 @ 12:48

Nice job but for me the comparison should be with other investment choices like stocks and shares, gold etc rather than consumables.

Also, have you noticed that financial product salesman compare with a property price index and don't add rental income in their projection?

Guest Avatar
Joanne Harvey 26th April, 2024 @ 12:54

I find much joy in your grumpiness but I always learn a great deal from your wisdom. Thank you.

You're also a good boy for massaging your Mum's feet on a Friday night

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J.C 26th April, 2024 @ 13:14

That's a brilliant infographic. I'm not 12 but get it too.
Simplest explanations take the longest to create.

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Jameson 26th April, 2024 @ 13:16

Confused. Your narrative suggests house prices have fallen in real terms yet the nationwides graph you are showing suggests they have risen over virtually any date range...

The Landlord Avatar
The Landlord 26th April, 2024 @ 13:57

Hi @AndyW

Many thanks!

Comparing property prices to the benchmark of fiat currency and consumer goods helps gauge how property performs relative to the broader economy and the "real world", so I think that's more relatable to most people.

Obviously most people don't equate gold and stocks to "buying power" because we don't trade them to make every day purchases, so it's difficult to make sense of (i.e. we know that £5 for 1000 loafs of bread is a good deal, but we don't know if 1 ounce of gold for 1000 loafs of bread is a good deal or not).

I haven't to be honest, but I've never really seen a financial product salesman in action, ha! Maybe I've been lucky? I will say that it would be odd to discuss BTL/property as an investment and not include yield into the returns!

The Landlord Avatar
The Landlord 26th April, 2024 @ 13:59

Haha, thanks @Joanne!

I'll pass on the message!

The Landlord Avatar
The Landlord 26th April, 2024 @ 14:00


And there you are... my angel!

Thanks, appreciate it :)

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Paul 26th April, 2024 @ 14:15


This is interesting but I don't think comparing property to a depreciating asset (car) or cups of coffee in a cafe (mug spending) is as relevant as the property price or other investment options.

One of the extraordinary factors is the energy and cost of living crisis, also I think the increase in prices is as part of the repayment of Covid & Energy support debt strategy. In simple terms if prices are higher then people are paid more and spend more, so more £££ for tax income. Prices of foods are still 50% to 80% higher that before the cost of living crisis hit, many items went up by 100%. Look at the prices of ready meals, £5 for a lasagne, while take away food is ridiculous. One of my relatives is disabled and has received a 19% increase over two years compounded. They ask me how they are supposed to pay for food that costs at least 50% more with 19%.

They would shoot a thousand holes in your using the government CPI or RPI, first of all it has been revised to take out things that would give a real figure. For example in real street where they exist, their ALDI filtered milk went from 99p for 2L to £1.85, now it has fallen back to £1.55. They have given me scores of examples. They also bitch at me about shrinkflation, one product went from 75p for 180g to £1.09 for 180g (up 45%, now it has been repackaged at 150g for 99p, which they point out is a further 24% hike.

I can't argue with them on this, the amount of meat we get in recipe foods has reduced substantially, some have increased fat so they can count it as meat, other put stodge or water in there. Even if you buy fresh diced chicken, measure the weight, measure the packaging when empty and you will see water is part of the weight, not including the water they inject.

So if we are going to talk VALUE we have to look at where do you go to get value, all supermarkets are playing this game and don't get me started on how Waitrose & M&S have identical products and packaging to Aldi but charge an obscene amount.

The price increases were not all about Covid and the Energy crisis, nor was it about inflation, it was the ratings agencies view of the UK (something Liz Truss impacted with Kwasi Kwarteng Kamikaze mini budget). However it was also the banks wanting payback for low interest rates, something I find absurd since that on March 26, 2020 the Federal Reserve reduced the reserve requirement ratios to zero percent effective This action eliminated reserve requirements for all depository institutions.

For ages Banks have been able to lend money they invent on their computers through the fractional reserve system (the license to print money for nothing), but they paid between 3% and 10% to the central bank, that was reduced to zero.

For my disabled relative this means if they borrow $10k the bank paid a one $300 for the privilege to charge up to 39.9% interest, now it costs them nothing, they just need to meet general liquidity rules imposed by the Fed and other central banks in EU and UK.

My view for a real comparison is what would the same money be worth now if it was put in Vanguard Mutual funds based on top 100 and top 250 in UK, USA, Asia and EU markets. Please don't use crypto for any comparison because that has no real value, it is a bet on a bet on the stupidity of lemmings.

Since 2008 my view for UK property market is that it is overheated, the increase in value is representative of a shortage of properties in the PRS, previously EU citizens were blamed and now it is legal and illegal immigration, but the real issue is the lack of house building and the way new builds are practically built to order to inflate the values.

The Government could take some of scarcity out of the market by regulating on Planning Permission with a "use it or lose it" policy as well as increasing not just the green belt but the boundaries of inner city, increasing both of these by just 1% would do it. Tightening up legal immigration is also required.

If we are going to look at property investment then we need to look at the LHA rates for all areas over the same periods.

As always it is often about location location location, but what is lost on the so called Gurus (who are simply putting you in a sales funnel with upsells, fake VIP memberships and private consultations) is that the location does not have to be the UK. I have a way to buy property at a discount in an area of high demand with two rental models, I am not going to share that because it would hurt me financially.

For those with a risk appetite there are good deals in Ukraine right now and no I don't mean in Kharkiv, there are Ukrainian vloggers like Olga Reznikova based in UK who have promoted this. Not sure I would bite, I know a guy who bought in Cuba, he bought an amazing house that used to be owned by an aristocrat, paid a fortune to restore it, had to bribe to get his materials delivered and not to be stolen, only for the Cuban Government to confiscate the building and turn it into a school. Actually they did not confiscate it but swapped it with a tiny property elsewhere in the city that could be described as "needs work".

Perhaps the best property advice comes from the Irish, "no no no you don't want to start from here" but if you do then make sure you buy all your property via a company so you get proper tax efficiency.

If you took those cars and cups of coffee I wonder how much tax you would have paid for each of them compared to property investment done right with all tax benefits.

Past performance is not an indicator of future performance.

Finally, just like any investment, the price and the value only matters on the day you sell.

We will always get less value but it only matters if you are going to buy that EV or cups of coffee, if you can do an Angela Raynor on the properties then move the money into pension or other low tax asset then maybe you can improve value.

The Landlord Avatar
The Landlord 26th April, 2024 @ 14:22

Hi @Jameson

So the graph is showing, for example, in 2022 Q1, the average property price was £305k, but it's real term value today (2024 Q1) is £260k.

You can run the calculation using this RPI calculator:

Hope that makes more sense.

The Landlord Avatar
The Landlord 26th April, 2024 @ 14:50

Hi @ Paul,

Hmm, I think you might have actually misunderstood my post, or you got fed-up halfway through and didn't bother reading it all (I wouldn't blame you)?

I'm not even sure where to begin.

1) I never said CPI/RPI was accurate, I just said it's what the Gov use to measure inflation. In fact, I said it was NOT accurate. So "I can't argue with them" either, and I never did.

So the bulk of your comment seems to be agreeing with what I said, even though it's suggesting I said otherwise. Strange.

2) I think most people will understand that I'm just highlighting the simple point that selling a property for more than the purchase price doesn't always equate to being richer. You can replace the car or coffee with anything you want. Again, I think it's strange that was the point you took from my post, because it's not really relevant.

You're comparing Investment/Asset Vs Investment/Asset, when I'm not. I'm just explaining what "real" house prices means, and what role inflation plays.

Many landlords will eventually cash out without wanting to invest it elsewhere, and they will simply want to be better off than before.

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Jameson 26th April, 2024 @ 16:05

Hi @ Landlord

Yes I see that the last 2 years has been negative (this was the reason i said ALMOST every time period), but the longer time ranges to which you refer e.g. 2015 to date have seen considerable rises in the real price aka value chart. So this is hopefully just a blip in an otherwise upward trend for property investors who should be in it for the long term in any case. Hence i don't see the need for the gloom.
I still find that chart somewhat baffling. For example over the last 2 years it seems that nominal prices have dropped sharply, whilst the value has hardly dropped at all. That all seems counter intuitive to me. With high inflation and lower nominal prices its the real value that should take the biggest hit. Must be reading it wrong.
I dont know why they have 2 vertical scales it just makes it harder to understand.

Guest Avatar
Stal 26th April, 2024 @ 16:07

Hey Landlord, I have nothing clever to contribute unfortunately but just like to say I always enjoy your rants and they always have something of interest. This must be your most inteligent piece as a lot of invetigation and work must have gone into this. Yes we have to take the true value of property but as you have pointed out if we did not invest in rentals then our money would just erode and don't forget abut the profit we make ontop of the capital increase. Keep making us smile.

Guest Avatar
Simon kibble 26th April, 2024 @ 16:10

As always just on the facts told as it is.
Hope your mums feet didn't miss out.
Thanks again for concise easy understood info.
Have a great weekend.

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Teracy 26th April, 2024 @ 20:44

You are great spending such a long time & making so much effort to make us see what is actually happening!
I have never looked at it this way and it has made me wake up & smell the coffee even though I love tea.
Property is the safest thing that I have ever invested in. Your emails make me laugh and I enjoy them sooo much- Well Done x

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Jennifer Surrey 26th April, 2024 @ 22:09


I always enjoy your blogs and the replies, so many thanks and well done with the latest, the infographics shine.
My comments:-
I agree property is usually a good investment, but the hassle and stress of buying selling (and even worse renting) lessens its appeal.
I Love the comments about the RPI basket of goods I couldn't agree more.
I find increasing age has greatly lessened my desire to increase my material wealth. I now want to spend and enjoy, before the taxman and the grim reaper collect their dues.

The Landlord Avatar
The Landlord 27th April, 2024 @ 10:09


Ahhh, yeah. This post wasn't actually meant to be negative, although I can see why you think that. Rather, it was just meant to be a dose of reality (not necessarily in a positive or negative way).

The example I shared was just to highlight how an investment can be objectively performing poorly to date, when on the surface that may not seem to be the case.

There are plenty of positive outcomes, and overall, I think most property investors should be feeling positive. In the long-term, I still maintain property is a solid place to store wealth, and vastly superior than holding GBP.

I think the last two years can be attributed to CPI dropping considerably and the market becoming stagnant due to lack of liquidity; vendors aren't dropping their prices any lower, and people aren't willing to pay the asking price. I think that makes sense.

The Landlord Avatar
The Landlord 27th April, 2024 @ 10:10

Hi @Stal

Thank you, I appreciate it, and that was clever enough for me :)

The Landlord Avatar
The Landlord 27th April, 2024 @ 10:12

Hi @Simon

Haha, thank you, appreciate it! She stops the clock when I go on breaks, so she gets the full experience (that she doesn't pay for!). She runs a tight ship.

Have an awesome one, too!

The Landlord Avatar
The Landlord 27th April, 2024 @ 10:14

Hi @Teracy,

Many thanks, appreciate it, and I'm glad to hear you've been exposed to a new angle!

And I completely agree, property is definitely the best and safest investment vehicle, at least for me and my risk profile. When I consider all the pros and cons, it just outweighs the other options.

All the best x

The Landlord Avatar
The Landlord 27th April, 2024 @ 10:26

Hi @Jennifer

Many thanks, appreciate it.

I'm completely with you. Everyone needs to ultimately decide what they deem to be worthwhile at the end of the day. When it comes to investing, I consider Reward Vs Mental health, and that can change depending on the stage of life I'm at (not necessarily determined by age).

All the best!

















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