英倫銀行自2023年8月加息至 5.25% 後一直維持至今。今年英國通脹率有回落跡象，市場預計將於下半年實施減息。市場消息令不少買家都準備入手英國樓。揀選英國物業時，租金回報亦是投資者其中的關注要項，取決物業是否值得投資。 根據英國物業網站Zoopla 4月的最新報告，最高平均總租金回報（Gross rental yield）分別為於英格蘭東北部的 Sunderland ，及蘇格蘭的 Aberdeen和Burnley。
英國Buy-to-Let住宅物業 回報率幾多為之高？
租金回報是指物業的年租金收入，除以買入樓價所得出的百分比。租金回報率越高，投資回報越好。
上年英國整體租金上升，而樓價則有下降及維持的情況下，令整體平均總租金回報率都有上升優勢，而目前英國的平均總租金回報率達5.6%。
如何計算總租金回報率（Gross rental yield）？
總租金回報率（Gross rental yield）是指一年租金除以物業購買價格。
假設你的投資物業購買價格為 £220,000， 預計每月租金 £1,100，即一年總租金 £13,200。
總租金回報率＝（一年總租金 £13,200 ÷ 物業價值 £220,000）x 100＝6%
如何計算淨租金回報率（Net rental yield）？
淨租金回報率（Net rental yield）指一年總租金減去總開支（例如按揭費用、物業管理、租務管理及修護費用等），再除以物業購買價格，得出最後的淨回報率。
同樣，假設你的投資物業值購買價格為£220,000，一年總租金 £13,200。而每月物業管理等開支為 £320，一年總支出 £3,840。
淨租金回報率＝［（一年總租金 £13,200 – 一年支出 £3,840）÷ 物業價值 £220,000）］x 100＝4.25%
英國出租物業 10大平均總租金回報
報告64個城市當中，10大最佳平均總租金回報城市均分怖於英格蘭北部及蘇格蘭。英格蘭東北部的 Sunderland ，及蘇格蘭的Aberdeen和Burnley回報最佳，平均總租金回報達8%或以上。相比之下，英格蘭南部樓價始終較高，導致影響租金回報率。
當中為港人熟識的利物浦（Liverpool）排第10位，平均回報率達7.44%、利茲（Leeds）以6.67%排第22位、熱門地曼徹斯特（Manchester）以6.53%排第28位、伯明翰（Birmingham）以6.10%排42位、倫敦則以回報率4.95%排較後位置。
PropCap 設有A.I.海外物業估價服務
針對客人的指定英國物業得出物業估價報告和租金估價
投資出租物業考慮條件
除了租金回報，投資英國出租物業買家亦要考慮其他因素，以作全面的風險考量。
- 樓價走勢
物業升值潛力都是投資者考慮因素之一。從過去的交易數據、城市發展前景、商業機構的進駐及運輸交通發展等，都有機會影響當區樓價。 - 支出成本
包括按揭成本，管理物業的支出成本等，當投資英國物業都需要納入計算。 - 租務市場需求
英國有大大小小不同類型的房產，了解當區那一類物業在租務市場需求佔多都有助買家尋找適合作投資。
英國出租物業 平均總租金回報排行榜 2024
| 排名 | 城市 | 平均總租金回報 | 平均出租物業買價 | 平均每月租金 |
| 1 | Sunderland | 8.96% | £83,842 | £626 |
| 2 | Aberdeen | 8.03% | £102,920 | £689 |
| 3 | Burnley | 8.00% | £84,869 | £566 |
| 4 | Dundee | 7.96% | £116,690 | £774 |
| 5 | Glasgow | 7.95% | £143,617 | £951 |
| 6 | Middlesbrough | 7.92% | £92,862 | £613 |
| 7 | Blackburn | 7.52% | £105,460 | £661 |
| 8 | Hull | 7.45% | £98,617 | £612 |
| 9 | Newcastle | 7.45% | £134,245 | £833 |
| 10 | Liverpool | 7.44% | £129,172 | £801 |
| 11 | Stoke | 7.38% | £119,562 | £735 |
| 12 | Grimsby | 7.16% | £101,883 | £608 |
| 13 | Barnsley | 7.15% | £114,805 | £684 |
| 14 | Bradford | 7.02% | £118,267 | £692 |
| 15 | Blackpool | 6.98% | £119,049 | £692 |
| 16 | Wigan | 6.96% | £129,656 | £752 |
| 17 | Swansea | 6.92% | £150,377 | £867 |
| 18 | Preston | 6.91% | £136,148 | £784 |
| 19 | Rochdale | 6.85% | £142,781 | £815 |
| 20 | Bolton | 6.80% | £139,483 | £790 |
| 21 | Doncaster | 6.79% | £119,911 | £678 |
| 22 | Leeds | 6.67% | £174,269 | £969 |
| 23 | Coventry | 6.66% | £182,782 | £1,015 |
| 24 | Nottingham | 6.64% | £171,146 | £947 |
| 25 | Cardiff | 6.59% | £203,663 | £1,119 |
| 26 | Wakefield | 6.56% | £134,826 | £737 |
| 27 | Birkenhead | 6.54% | £130,914 | £713 |
| 28 | Manchester | 6.53% | £196,603 | £1,070 |
| 29 | Huddersfield | 6.42% | £131,596 | £704 |
| 30 | Mansfield | 6.41% | £137,105 | £732 |
| 31 | Plymouth | 6.39% | £164,771 | £878 |
| 32 | Sheffield | 6.38% | £152,051 | £809 |
| 33 | Southampton | 6.34% | £212,118 | £1,121 |
| 34 | Newport | 6.32% | £166,835 | £879 |
| 35 | Warrington | 6.30% | £164,258 | £863 |
| 36 | Derby | 6.28% | £152,479 | £798 |
| 37 | Gloucester | 6.28% | £180,449 | £945 |
| 38 | Peterborough | 6.24% | £174,548 | £907 |
| 39 | Belfast | 6.16% | £146,190 | £751 |
| 40 | Ipswich | 6.16% | £171,273 | £879 |
| 41 | Portsmouth | 6.14% | £226,802 | £1,161 |
| 42 | Birmingham | 6.10% | £183,628 | £934 |
| 43 | Medway | 6.09% | £231,635 | £1,176 |
| 44 | Luton | 6.08% | £226,150 | £1,145 |
| 45 | Northampton | 6.08% | £192,858 | £977 |
| 46 | Edinburgh | 6.03% | £251,423 | £1,263 |
| 47 | Swindon | 6.03% | £192,908 | £969 |
| 48 | Telford | 5.92% | £164,075 | £809 |
| 49 | Norwich | 5.83% | £219,141 | £1,065 |
| 50 | Leicester | 5.77% | £192,229 | £924 |
| 51 | Bournemouth | 5.68% | £262,577 | £1,243 |
| 52 | Bristol | 5.66% | £294,503 | £1,389 |
| 53 | Hastings | 5.58% | £218,348 | £1,016 |
| 54 | Worthing | 5.52% | £254,618 | £1,171 |
| 55 | Reading | 5.48% | £309,293 | £1,412 |
| 56 | Aldershot | 5.47% | £290,646 | £1,325 |
| 57 | Crawley | 5.46% | £302,547 | £1,376 |
| 58 | MiltonKeynes | 5.41% | £266,589 | £1,202 |
| 59 | Brighton | 5.39% | £360,102 | £1,616 |
| 60 | York | 5.22% | £255,222 | £1,111 |
| 61 | Southend | 5.15% | £268,305 | £1,152 |
| 62 | London | 4.95% | £496,124 | £2,047 |
| 63 | Oxford | 4.79% | £417,737 | £1,667 |
| 64 | Cambridge | 4.5% | £407,603 | £1,527 |
