Page 34 – Property118

Landlords risk fines, bans and bankruptcy – The answer?

16th December 2025

The conversation among private landlords has changed. It is no longer about yields, regulation or market cycles, it’s about survival. The publication of the government’s new civil penalty tables has pushed the sector into unfamiliar territory, where the financial consequences of ordinary operational mistakes are measured in five-figure sums, and the prospect of a banning […]

Lawyers reviewing a disputed lease agreement with legal documents and gavel on desk

Share of Freehold company in a real mess?

16th December 2025

I own two properties in a development of 52. Each property owns 1/52nd of the freehold, so I own about 4%. I was also a director (1 of 5). In late November, one director and the managing agent were starting to be very obstructive, wouldn’t allow a vote for a chairperson, wouldn’t allow voting for […]

Landlord looking surprised as they open documents, symbolising unexpected council investigations under the Renters’ Rights Act

Landlords urged to prepare ahead of new council powers coming into force

16th December 2025

A lettings agency is warning landlords may face “an unexpected Christmas surprise” as councils gain new investigatory powers. Under the Renters’ Rights Act, councils will, in certain circumstances, have the authority to enter premises where tenancy records are kept and request paperwork or any documents related to the tenancy. Cavendish estate agents say the new […]

Fly-tipped rubbish piled in an alleyway behind rented homes under CCTV surveillance

Landlords warned by council over fly-tipping as fines rise and cameras move in

16th December 2025

Licensed landlords are being warned that enforcement action will follow if fly-tipping continues in alleyways behind their rented homes. Sefton Council is also warning that the fines have risen from £400 to £1,000 for offences and hidden cameras are now being used to catch culprits. The council is acting against landlords with properties in Stanley […]

Comparison of low and high EPC-rated homes highlighting energy efficiency choices for landlords and tenants

Tenants prioritise EPC ratings when choosing a home

16th December 2025

As tenants increasingly seek more energy-efficient homes, many landlords are choosing to sell properties with lower EPC ratings, according to a new report. A report by Hillarys reveals a stark postcode divide and EPC upgrade challenge for landlords, with some property types costing nearly £1,400 more than others per year to heat. As previously reported […]

House-shaped ornament and key hanging on a Christmas tree, symbolising home moves and the Boxing Day property market

Rightmove predicts strong Boxing Day bounce after Budget uncertainty

16th December 2025

A bigger-than-usual Boxing Day bounce is expected as buyers who paused plans due to Budget uncertainty join the traditional start of the busier home-moving season, claims a property portal. Rightmove reveals nearly one in five buyers were waiting for the outcome of the Autumn Budget to resume their moving plans. The property portal predicts 2026 […]

Selective landlord licensing sign warning of fines with London street and Big Ben in the background

London council widens its landlord licensing as inspections uncover safety issues

16th December 2025

A London council is to extend its two landlord licensing schemes with the threat of £30,000 fines for non-compliance. Wandsworth Council’s current schemes cover all Houses in Multiple Occupation borough-wide, alongside every privately rented home in South Balham, Furzedown, Tooting Bec and Tooting Broadway. From 1 April, the council will extend its scheme to cover […]

Landlord Insurance Blog featured image showing a house, shield, umbrella, policy document, tick and pound coins on a teal background.

Flood Risk and Landlord Insurance – What You Need to Know

16th December 2025

Flooding is one of the fastest-growing risks for UK landlords. Climate change, heavier rainfall, and overloaded drainage systems mean more properties are exposed every year. Even landlords who have never experienced a flood may find their properties reclassified as higher risk. This article explains how landlord insurance responds to flood claims, where cover can be […]

Home improvement tools arranged with a warning symbol to highlight upcoming property standards for landlords

Government calls on landlords to upgrade homes ahead of Decent Homes Standard

15th December 2025

The government has urged landlords to begin upgrading their properties before the Decent Homes Standard comes into force. In its Renters’ Rights Act implementation roadmap, the government claims that while the Decent Homes Standard is proposed to come into force in 2035 or 2037, landlords “should commence works earlier”. The government has announced it will […]

Energy efficiency tools forming a house shape with EPC rating scale and hourglass on wooden background

Energy efficiency improvements slow despite proposed EPC C targets

15th December 2025

Despite the government’s proposed policy push for EPC C targets in rental properties, the pace of improving energy efficiency has slowed, according to new research. Rightmove Greener Homes report reveals that while the rental sector’s overall property stock remains more energy efficient than the resale market, recent legislation and proposals for further regulation have not […]

Falling rent arrears shown by balance scale with coins and house, reflecting improved rental affordability

Housing market shows signs of stability as rental arrears drop

15th December 2025

Rental arrears are at their lowest level since 2022 as rent prices remain largely unchanged, according to a new report. Propertymark’s Housing Insight report reveals that affordability is improving in parts of the rental market as tenant demand has eased. Propertymark member agents also report that, while rental prices are fluctuating in some areas, there […]

Person sleeping rough on a city doorstep at night, highlighting the urgency of homelessness prevention measures.

Government launches plan to prevent homelessness

15th December 2025

The government has pledged to prevent homelessness by the end of this Parliament through its new homelessness strategy. With the launch of the National Plan to End Homelessness, the government has committed to three key pledges: halving the number of long-term rough sleepers, ending the unlawful use of B&Bs for families, and preventing more households […]

Santa figurine beside stacked coins symbolising rising pre-Christmas rent pressures

Christmas rental surge forces tenants to earn more to secure a home

15th December 2025

The traditional pre-Christmas scramble for rented homes has pushed up the income that tenants typically need to secure a property in several parts of the UK. Propertymark’s latest rent price and salary tracker suggests the annual changes in required salaries remain relatively small in most areas. But some regions have seen big increases in the […]

House-shaped graphic with ‘TAX’ on the front illustrating rising landlord tax pressures

Budget tax rise fuels concern over landlord sell-off – Knight Frank

15th December 2025

While the government claims it wants to cool inflation, its recent Autumn Budget has opened the door to higher rents and a landlord sell-off, one analysis reveals. The findings from Knight Frank show that Chancellor Rachel Reeves’ 2 percentage point rise in rental income tax will inevitably push up housing costs. With more landlords facing […]

BTL Mortgage Blog featured image showing a house, key, calculator, percentage sign and pound coins on a teal background.

Buy-To-Let Mortgages for First-Time Landlords

15th December 2025

Getting started in property investment can feel daunting, particularly in today’s mortgage market. First-time landlords face stricter criteria, larger deposit requirements and higher scrutiny from lenders compared with experienced investors. But with preparation and the right guidance, it is still possible to secure competitive finance and start building a rental portfolio in 2025. Who Counts […]

When Britain last faced a housing crisis, lenders became mega-landlords. The same pattern could emerge again

14th December 2025

Landlords often describe the current environment as hostile. That feeling is not irrational. The Renters’ Rights Act introduces penalties of £3,000 to £35,000, new banning order pathways, and a national database that can end a landlord’s career overnight. Councils retain the revenue from civil penalties, which changes the financial incentives behind enforcement. What many landlords […]

Chapter One – The Day the Portfolio Stopped Being the Point

14th December 2025

The morning sun hits the kitchen window just as the kettle starts to boil. You lean against the counter, phone in hand, scrolling through the usual numbers; rents in, payments out, mortgage balances steady. Everything looks fine. Better than fine, actually. The portfolio has reached the point you always dreamed of. It pays for itself, […]

Chapter Two – Becoming the Bank

14th December 2025

The envelope sits unopened on the kitchen counter. It isn’t from a lender this time, or a solicitor chasing completion. It’s from your daughter, a printed copy of the loan agreement you helped her draft for her first property venture. You smile. Not the polite smile of approval, but the quiet satisfaction that comes when […]

Chapter Three – From Landlord to Legacy Investor

14th December 2025

The first time you drive past one of your old HMOs after handing it over to your children, it feels strange. For years, you knew every inch of that building; the creak of the stairs, the sound of the boiler firing up, the phone calls that always seemed to come at the worst possible time. […]

Chapter Four – Giving Back

14th December 2025

It started as a casual visit. A friend from church mentioned that a local supported housing charity was struggling to raise funds for a new project, a handful of empty flats that needed renovation before they could be offered to families escaping homelessness. You went to see it out of curiosity. What you found was […]

Chapter Five – The Quiet Revolution

14th December 2025

It’s Sunday morning. The sun filters softly through the kitchen blinds, catching the steam from your coffee. The house is quiet, except for the sound of laughter from the garden. The grandchildren are chasing bubbles, your children are chatting by the fence, and for the first time in decades, everything feels settled. Not idle, not finished, […]