Chancellor’s National Insurance plan for landlords will push up rents

Landlords have already been reduced to skeleton and Rachel thieves still think Landlords got some meat. If this happens, supply would reduce and rents would go. You don’t have to be an Einstein to figure that out. End loser would be poor Tenant. They think they are punishing Landlords but it is actually Tenant.
Labour is working really hard to dig their own grave. Sooner or later whole UK would realise that learners have been handed over BMW to drive. It’s law of physics that you come down faster than the speed you go up!

God save us.

The claim from the Left is that it is unfair that Unearned Income (here, rental income) only suffers Income Tax, whereas Earned Income (wages and salaries and self-employed income) suffer both Income Tax
and NI.
Okay.
However, Earned Income counts as NRE (Nett Relevant Earnings) and so can be used to pay into a pension and get Income Tax relief at the marginal rate. Unfortunately, Unearned Income is not an NRE, so cannot be used to get Income Tax relief of used to pay into a pe sion plan.
If the taxation hits are equalised, then so should the tax benefits, otherwise this change would not be equitable.

Reply to the comment left by John Porcella at 26/10/2025 – 20:04
The government does not care about fairness, only tax income. Fairness is just an excuse to impose new taxes.

No government cares about fairness. It’s just another meaningless sound bite to them. Like honesty or integrity, words they use but don’t actually really think apply to them. The whole war on landlords is a politically motivated exercise in showing how much they “care” (another buzz word) about the poor, exploited, hard working tenant. Understandable in a Labour Government trying to appeal to its socialist base, but it was the Tories who started it all? Not sure what the Tories were expecting to achieve by it? The people who “benefit” will never vote Tory and the people targeted now have Reform to turn to.

It’s very simple, my 2 are below market value.
They’ll both be pushed right to market value which will more than cover NI cost that I’ll occur.
I’m sure my tenants have enjoyed cheaper rents than what they would pay in the area but unfortunately another meddling situation from the government which will cause rents to go up and I’ll ensure that they know that my “operating costs” have increased and exactly wht

Reply to the comment left by John Porcella at 26/10/2025 – 20:04
John, this is something I’ve wondered since the media release of NIC on landlord income. People have already mentioned that pensioners and companies don’t pay NI. Ironically adding NIC to unearned income makes the income earned. If the income is earned then technically you are a worker. Will landlords be able to claim capital expenditure and other expenses? I do all my own repairs and so claim back the materials. Materials however are a minor expense and new tools (which currently can’t be claimed) are much more expensive. Adding NIC and so making the income earned also has a wider effect. I know there are landlords which get a small amount of rental income and are entitled to certain benefits, which they would lose if their income then counted as “earned income”. The DWP uses HMRC as a bible for assessing income types and other income based queries. Adding NIC to an unearned income like property income isn’t just as simple as slapping NIC on the income.

Reply to the comment left by Steve A at 27/10/2025 – 07:36
“Not sure what the Tories were expecting to achieve by it?”

Property directorships, consultancy and advisor roles when they retire from being MP’s.

Maybe also they knew they weren’t going to be in government when this comes into force and realised the carnage this will cause to the PRS for the next lot to sort out. A hospital pass.