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The Ongoing Costs Of Property Investment

When you want to invest in property, it’s important that you understand all of the ongoing costs you are going to have to consider. There is not merely just one upfront payment to think about. You also need to be aware of what you are going to have to pay out each month after that. If you are aware of these things, then you can start to figure out ways to reduce those payments over time. Let’s take a look at some of the major ongoing costs of property investment right now.


Depending on where you are in the world, insurance could well be a legal requirement. However, even if it is not, you should still make sure that you are thinking about it, as it can be one of the most important things you have for your property. It can turn out to be a wise investment in itself if something goes wrong in the future, but it is of course also a cost you have to think about. Shop around for the best prices, and make sure that you budget for it as early as you can to avoid any stress over it.


If you are buying property to let, your tenants are going to be responsible for the energy and making sure the bills are paid. If you are buying property to live in, you will need to think about doing this yourself, and likewise if you are looking at purchasing an office building or other commercial enterprise. There are many ways to keep energy bills down. You can look into renewable means such as choosesolar which often end up giving you refunds in the long run. Or you can simply make sure that there is no wastage of energy in the property itself.

Mortgage Repayments

Unless you have managed to pay for a property entirely upfront, you will need to think about the mortgage repayments. These are obviously often going to be significant, so you need to make sure that you are thinking about them as early on as you can. You should look into the fees and interest rates before you sign up for a mortgage, and ensure that you are going to have the appropriate means to repay. Then it’s just about keeping up with the payments so that you can avoid any unfortunate circumstances that might arise from failing to pay.

Image Credit – CCO Licence


If you are buying to let, you have the choice of whether to manage the property yourself or hire someone to do it, such as a local realtor. If you want someone else to do it, then you will of course need to budget for their fees. These fees are normally taken out of the rent you receive, so you don’t need to do anything actively, but it is something you need to be aware of nonetheless.

As long as you are aware of these costs, you are much more likely to keep your finances in check.


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About the Author

Kaya Wittenburg

Blog Author and CEO

Kaya Wittenburg is the Founder and CEO of Sky Five Properties. Since the age of 10, real estate has been deeply ingrained into his thoughts. With world-class negotiation and deal-making skills, he brings a highly impactful presence into every transaction that he touches.

He is here to help you use real estate as a vehicle to develop your own personal empire and feel deeply satisfied along the way. If you have an interest in buying, selling or renting property in South Florida, contact Kaya today.

Feel free to call me at: (305) 357-0635
or contact via email: