Shiv Haria
Founder, Lifestyle Property Group
- Role: Founder, Lifestyle Property Group
- Company founded: 2016
- LinkedIn: View profile
Biography
Shiv Haria founded Lifestyle Property Group in 2016 with a clear mission: to help everyday people build financial security and independence through property investment.
Like many of the company's clients, his journey began with a personal challenge. In 2013, both of his parents suffered heart attacks just months apart, which forced them out of work for an extended period. It was a stark reminder of how vulnerable we are without a safety net, and it sparked a desire to create an additional income stream that did not rely on trading time for money.
Shiv and his partner (now wife) became increasingly focused on building passive income, not just for themselves but for their families too. After reading widely and taking advice from those already on the path, they identified buy-to-let property in Leeds as a low-risk, high-potential opportunity. Their first purchase, a four-bedroom property in East Leeds, became the foundation of a growing portfolio.
Recognising that many people wanted the same results but lacked the time, knowledge or confidence to start, Shiv built Lifestyle Property Group as a fully managed, end-to-end service covering sourcing, purchasing, refurbishment and lettings. Since then the company has helped over 100 clients invest in the northern property market, and has collected more than 100 written reviews with zero negatives.
He writes the guides on this site covering tax, mortgages, stamp duty, the 18 year cycle and investing from overseas, drawing on his own portfolio and the deals the team runs each month.
Read the longer version on the founder's story page.
Areas of expertise
- UK buy-to-let investment
- Hands-free property sourcing and acquisition
- Leeds and Sheffield residential markets
- Refurbishment and rental standard specification
- Lettings and tenancy management
- Guaranteed rent and income-led portfolio strategy
- Investing in UK property from overseas
Awards
Articles by Shiv Haria
- Guides · 30 July 2026Capital Gains Tax on Selling a Rental Property: What Landlords Actually Pay
The 18% and 24% rates for 2026/27, the £3,000 annual exempt amount, what you can deduct from the gain, and the 60 day deadline to report and pay.
- Guides · 30 July 2026Stamp Duty on Buy-to-Let: What Landlords Actually Pay
The standard rates, the 5% additional dwelling surcharge and the 2% non-resident surcharge, with the real bill and effective rate at nine purchase prices.
- Guides · 30 July 2026UK Property Investment for British Expats
Buying UK buy-to-let from abroad: the 2% stamp duty surcharge, the Non-Resident Landlord Scheme, expat mortgages and what you cannot do from 6,000 miles away.
- News & Analysis · 30 July 2026The 18 Year Property Cycle: What It Is and What It Is Not
The four phases explained, why the cycle cannot time the market, and why an income-led, discount-based model does not depend on getting the cycle right.
- Guides · 30 July 2026Why Buying a Flat in London Is No Longer a Smart Investment
Leasehold costs, stalled capital growth and thin net yields have made London flats a poor fit for income investors. Shiv Haria on the northern alternative, with sources.
- Guides · 30 July 2026Let to Buy Explained: Keep Your Home as a Rental and Buy the Next One
How let to buy works: remortgage your current home as a rental, release equity, and buy your next home. The numbers, the stamp duty catch and the risks.
- Guides · 30 July 2026Renting Out Your Home: Consent to Let and Switching Your Mortgage to Buy-to-Let
How to rent out your home legally: consent to let versus switching your mortgage to buy-to-let, what lenders allow, and the traps accidental landlords hit.
- News & Analysis · 30 July 2026The UK Buy-to-Let Market in 2026: What's Actually Changed
Shiv Haria on the 2026 buy-to-let rule changes: the Renters' Rights Act now in force, Making Tax Digital, EPC C by 2030, and what it all means for landlords.
- Guides · 28 July 2026Tax on Rental Income: What UK Landlords Actually Pay
How tax on rental income works for UK landlords: allowable expenses, the mortgage interest rules, limited companies, Making Tax Digital and selling up. By Shiv Haria.
- Guides · 25 July 2026What's the Best Way to Invest £100k?
Shiv Haria on the best way to invest £100k: property versus stocks, savings and pensions, the honest trade-offs, and what he did with his own money.
- Guides · 15 July 2026How to Invest in Property: A Straight-Talking Guide
Shiv Haria's six-step guide on how to invest in property in the UK: strategy, money, market, numbers and management, plus the mistakes he sees most often.
- Guides · 20 July 2026Buy-to-Let Mortgages Explained: How They Actually Work
What a buy-to-let mortgage is, how lenders decide what you can borrow, the criteria they check and how the process runs. Plain English from Shiv Haria.
- Guides · 1 July 2026How Much Deposit Do You Need for a Buy-to-Let Mortgage?
How much deposit you actually need for a buy-to-let mortgage, what lenders check, and the costs first-time landlords forget. By Shiv Haria.
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