Is buy-to-let finished for the everyday investor… or are we all just reading the market wrong?

In this episode of The Bungalow, Kim and Nicky go head-to-head in a rare, unfiltered debate on the future of the UK’s most talked-about investment strategy. One of us believes BTL is now a “hassle asset class” with razor-thin margins, endless regulation and a shrinking upside. The other argues it remains one of the strongest long-term wealth vehicles available — if you understand how to adapt.

Inside, we break down:

• Why rising interest rates, Section 24 and EPC reforms are pushing small landlords out
• How big players like Lloyds and John Lewis are quietly reshaping the market
• The fundamentals that still make buy-to-let powerful — leverage, capital growth and generational demand
• Whether the strategy is dead… or simply evolving
• What today’s investors need to know before buying their next property

This isn’t a highlight reel. It’s the honest conversation the industry avoids — two experts, two opposite views, one goal: to help you make smarter financial decisions in a changing market.

Whether you’re planning your first investment or rethinking your entire approach, this episode will challenge your assumptions, sharpen your strategy and give you the clarity you’ve been craving.

Press play. Your future self will thank you.