APTs - Insurance and legal cover questions?

APTs – Insurance and legal cover questions?

31st July 2026

I am just coming up to building insurance renewal and fairly happy to stick with the current broker and insurer. My insurer does cover for differing types of tenants, including the standard ‘norm’ of self-funders (private payers), retired, and those on benefits. The Legal expenses element, though (as part of my building insurance cover and […]

Refinancing existing buy-to-let properties to release equity for further property investment in the UK.

More landlords are refinancing portfolios to fund buy to let growth

31st July 2026

More than three-quarters of landlords are considering refinancing their existing portfolios to fund further buy to let investment over the next year, according to specialist lender Together. Most of that investment is heading to the north of England and Scotland. The lender’s research found 76% of landlords were likely to refinance during the next 12 […]

Bank of England building with red London bus in front, symbolising UK property and financial markets

Bank of England split as three policymakers push for rate hike

30th July 2026

In a divided vote, the Bank of England has held interest rates at 3.75%. The Monetary Policy Committee (MPC) narrowly voted 6-3 to keep the Bank Rate unchanged. Three members voted to increase the Bank Rate by 0.25 percentage points, to 4%. Energy prices have remained volatile The MPC said of its decision: “In response […]

Illustration showing landlord tax hikes and Renters’ Rights Act reforms with no combined government impact assessment.

Government admits no assessment of burden facing landlords

30th July 2026

The government has confirmed it carried out no assessment of the combined impact of landlord tax hikes and Renters’ Rights Act reforms. In a written parliamentary answer, Baroness Taylor of Stevenage said the government had made “no single assessment” of the cumulative costs landlords will face from the Renters’ Rights Act alongside planned tax changes. […]

Red alarm clock, judge’s gavel and house symbolising the 31 July court possession deadline for landlords

Final warning for landlords as possession deadline looms

30th July 2026

Landlords only have until tomorrow (31 July) to apply for court possession under Section 21 or older Section 8 notices. When the Renters’ Rights Act came into force in May, fixed-term tenancies were abolished, and all existing Assured Shorthold Tenancies (ASTs) automatically became Assured Periodic Tenancies (APTs). However, landlords already in the possession process could […]

Group of landlords exiting a building carrying model houses with “sold” signs under an exit sign

The exit signal just got louder, 27% of landlords now plan to quit entirely

30th July 2026

More than two-thirds of landlords now expect to sell some properties or leave the sector altogether. For every one planning to buy, more than seven are planning to contract or go. The imbalance is not correcting. It is hardening. The Property118 Landlord Sentiment Survey has now asked landlords twice about their intentions, and the trend […]

Sadiq Khan alongside energy-efficient London homes with solar panels and heat pumps highlighting new retrofit funding

London gets first devolved retrofit funding for social homes

30th July 2026

The Mayor of London has received new powers and funding to make London’s social housing more energy efficient. Sadiq Khan has unveiled more than £58m in new funding to improve the energy efficiency of more than 5,000 homes across the city. The news comes as all PRS homes will need to meet EPC C targets […]

Renter struggling under oversized house labelled “RENT” with balloon illustrating soaring rents since the 1988 Housing Act.

Tenant group claims soaring rents leave renters paying the price

30th July 2026

A tenant group claims rents have rocketed by 1,200% since the 1988 Housing Act, with its analysis showing a ten-item supermarket shop would cost more than five times today’s price if food costs had risen at the same rate. Figures from Generation Rent’s ‘cost of renting receipt’ show the average monthly rent in England has […]

Need urgent advice recovering possession from Airbnb tenant?

Need urgent advice recovering possession from Airbnb tenant?

30th July 2026

I would be grateful for advice from experienced landlords who may have dealt with a similar situation. I own a house in Central London which was let on an Assured Shorthold Tenancy. Shortly after the tenancy commenced, I discovered evidence suggesting that the property was being used for short-term holiday accommodation rather than as the […]

Hand unlocking a door to a home

Health and Safety fire regulations vs insurance cover?

30th July 2026

Whilst most insurance companies stipulate that the final exit from communal areas must be protected by a mortice type lock as opposed to a Yale style lock, Health and Safety regulations say exactly the opposite. They state that the exit must not require a key to enable a quick emergency exit, which may be in […]

Hand holding a house key above a crowd of raised hands symbolising competition in the rental market

Tenant demand rises as rental supply drops – Propertymark

30th July 2026

Competition for tenants remains intense as demand continues to outstrip supply, according to new data. Propertymark’s latest housing insight report reveals the average number of applicants per member branch is eight people per property available. The news comes as the Renters’ Rights Act came into force on 1 May 2026. Securing a home remains challenging […]

Promotional graphic for a free property investment webinar on Autumn Budget tax changes and buying opportunities.

Why I believe the biggest property opportunities could come before the Autumn Budget

30th July 2026

One lesson I’ve learnt after more than 30 years in property is that the biggest opportunities rarely come after the headlines. They usually come before them. I’ve seen this happen during the Credit Crunch, Section 24, Stamp Duty changes and periods of rising interest rates. While many investors wait for certainty, experienced investors prepare for […]

Hourglass with a house and for sale sign symbolising landlords delaying property sales after the Renters' Rights Act changes.

UK house price growth slows as sales fall 9%

30th July 2026

The UK’s house price growth has slowed to 1.3% as higher mortgage rates and political uncertainty pushed sales agreed 9% below last year’s level, Zoopla reveals. The summer slowdown has been sharper than usual across most of the country. It says that the North East is the only region to buck the trend, with sales […]

Concerned landlord weighs selling a rental property amid rising interest rates and Capital Gains Tax uncertainty.

Realising gains before CGT changes: the new reason landlords are selling

29th July 2026

Ask landlords why they are selling, and the answer used to be regulation. This quarter, the survey tells a different story. The strongest pull towards the exit is now financial, and Capital Gains Tax is right at the top of it. For Q2, the Property118 Landlord Sentiment Survey expanded its question on why landlords sell, […]

Rent freeze campaign graphic showing frozen rent sign, Housing Secretary Angela Rayner and Generation Rent postcard initiative.

Generation Rent rent freeze campaign targets Angela Rayner

29th July 2026

Private renters are being encouraged to press new Housing Secretary Angela Rayner to bring in a rent freeze with a targeted postcard campaign. Generation Rent has launched a postcard drive asking the government to restrict how much landlords can increase rents. The campaign group says England has not had what it describes as proper rent […]

Sustainable property investment with solar panels, energy-efficient housing and growing green returns

HMO landlords accelerate EPC upgrades

29th July 2026

HMO landlords preparing for tighter energy performance certificate (EPC) rules are already bringing forward improvements, while many are shielding tenants from rising household bills. Research from Paragon Bank found that two-thirds of HMOs owned by landlords they surveyed have an EPC rating of between A and C. Around half of the wider housing stock meets […]

HMRC recovers £104m from landlord tax 'nudge letters'

HMRC recovers £104m from landlord tax ‘nudge letters’

29th July 2026

HM Revenue & Customs recovered £104.3 million in unpaid tax from landlords in 2025/26, the third consecutive year in which the total exceeded £100 million. Landlords made 11,511 voluntary disclosures during the year, the highest number since 2018/19. The average payment was £9,063, down from a record £13,713 in the previous year. The figures, obtained […]

Government rules out Nightingale-style courts as court backlog concerns continue amid housing reform changes.

Government rules out Nightingale-style courts for possession cases

29th July 2026

The government has ruled out Nightingale-style courts to tackle the court backlog, despite reforms causing concern. In a written parliamentary answer, Justice Minister Sarah Sackman denied there was a national backlog for possession cases As previously reported by Property118, Propertymark has called for the creation of specialist housing courts. No national backlog for possession cases […]

Knife cutting a percentage symbol for buy-to-let mortgage rate changes

Buy to let lenders cut rates and one adds bridging

29th July 2026

Among the buy to let lenders revamping their ranges this week are ModaMortgages which has removed application fees from a limited edition range, Buckinghamshire Building Society has repriced specialist products and RAW Capital Partners has entered the bridging market. Meanwhile, a NatWest BTL mortgage has retained its Moneyfacts ‘Best Buy’ status despite a modest rate […]

Leasehold Reform and the Commonhold Question: Evolution or Revolution?

29th July 2026

Article by Katherine Simpson, Partner at Edwin Coe LLP The Leasehold and Freehold Reform Act 2024 (LAFRA) represents one of the most significant changes to residential property law in a generation. But do its most significant provisions, the abolition of the two-year ownership rule and the enhanced availability of right to manage (RTM), reduce the […]