Hi, I own a few flats that are in blocks, they are all unfurnished (so I have no contents) and the buildings insurance is provided for the block via the managing agents/service charge. There doesn’t appear to be any products out there that will provide ‘landlord cover’ without also taking buildings or contents – I’m […]

A new campaign aimed at owners and managers of high-rise residential buildings in England will highlight their new legal duties. The new ‘Be Ready’ campaign will call on those responsible for the safety of higher-risk residential buildings to protect residents from unsafe building practices. The owners have six months from April 2023 to register with […]

It’s that time of year when students will be looking to sort out accommodation for the upcoming year, so what better time to learn more about our Buy-for-Uni proposition? A Buy-for-Uni mortgage allows students to purchase a property local to their university, live in it, and rent the other bedrooms to fellow students, making themselves […]

A bad tenant could cost you thousands but how do you spot the bad ones? There are so many stories I read every day of a tenant who trashed a landlord’s property, leaving the landlord to pick up the tab. Perhaps you’ve even had a tenant who appeared polite and passed all the credit checks, […]

Hello, I am a private landlord. I had my tenants before 2016. They have been on a rolling tenancy since the AST fixed term expired. I also had a ‘Deed of Guarantee’ signed by their guarantor when they moved in. We have been on good terms with each other. My tenants have small children. They […]

The Welsh government is being urged to consider offering financial incentives to landlords to help them decarbonise their rental properties. The move follows advice given by industry body Propertymark to the influential Senedd Climate Change, Environment, and Infrastructure Committee’s inquiry into the decarbonisation of the PRS. Some of its recommendations include starting a national campaign […]

Hi, I have been a landlord for 20 years and am now selling all my properties, one a year, as I’ve had enough of the way things are going against the private landlord. I have done evictions in the past but have now come up against a situation new to me, so would appreciate advice […]

A growing private rental sector crisis in the UK with landlords leaving and rents increasing has seen a growing clamour to introduce rent controls. However, the experience of renters in Finland shows that this might be the wrong approach. Politicians such as Nicola Sturgeon who unveiled a ban on rent rises in Scotland last September, […]

I’ve written this post in response to an article that appeared this weekend in The Guardian entitled “Landlords accused of ‘making up stories’ in drive to change UK tax rules”. What a load of tosh that article was! Nothing more than twisted words to suit the narrative of a left-wing rag, but the link is […]

Hello, I have recently been notified that the tenant on the agreement has passed away following no rental payments. His son (who is over the age of 21) was a permitted occupier, is refusing to agree a new tenancy and is not paying rent. Is a section 21 still applicable? Where do I send it […]

The Housing Ombudsman says that a quarter of the complaint handling failure orders (CHFOs) issued in the last three months to social housing landlords were not complied with. The Ombudsman says it issued 38 failure orders, including the most orders yet for failing to fulfil membership obligations. There were 38 CHFOs issued to 28 different […]

Hello, I have a question: My tenant is in rent arrears by 6 months and those arrears now stand at £9,600. I have served the tenant a S21 notice followed by a repossession order. The council pays the tenant £1,875/month towards the rent. The council is also aware that a S21 has been served. Is […]

The UK’s house prices showed an unexpected increase of 1.1% in February from January’s price, says Halifax. The bank highlights that a typical property costs £285,476 – up from January’s average price of £282,360. However, the rate of annual price growth has slowed in all regions with an annual rise of 2.1%. Overall prices are […]

I have the unfortunate situation whereby the Child Maintenance Service looks at my pre-tax earnings for their calculation. Obviously, that means they “think” that my mortgage costs are earnings and so charge me 12% of that figure. Given I am a lower tax band earner and that my BTL mortgage costs exceed 80% of my […]

UK landlords may consider a Partnership structure for a number of reasons, including: 1. Cost: It might be prohibitively expensive to sell properties to a Limited Company for tax planning purposes, especially if HMRC wouldn’t regard them to be qualified as a Business Partnership for at least three years. This is because a significant amount […]

Hello, Can someone please help? I am in my 70’s and only let two properties, I’m not an experienced landlord. I have had a tenant in a property for 7 years and never put the rent up in all that time. I wanted to have the property back to sell and allow us more money […]

If amateur or accidental landlords are eradicated from the private rented sector (PRS), there would be 383,600 fewer homes to rent – and £223.5bn would be wiped from the value of the PRS market, research reveals. The findings from specialist property lending experts, Octane Capital, suggest that a string of legislative changes could lead to […]

Hello, I have a tenant who has contacted a solicitor regarding the condition of the flat’s drainage problem, mould, damp and mice infestation. I received a letter from her solicitor just after Christmas regarding the problems she says she has. In the letter, they said they would be sending out a surveyor within five days […]

A new government campaign will urge social housing tenants to complain about substandard housing as part of its flagship ‘Make it right’ campaign. Housing Secretary Michael Gove is urging tenants to make their voices heard by complaining to their landlord before escalating an issue to the Housing Ombudsman if they are unhappy with the landlord’s […]

Hello, Landlords are relying on an EPC to be accurate. Significant decisions are being made based on the EPC information. These decisions will affect tenants. I did comment in the following thread: Two-thirds of landlords doubtful about purchase of non-EPC compliant properties I wasn’t being prickly. I am genuinely trying to understand. We had an EPC […]

BTL product choice has recovered from the market chaos that followed the mini-Budget in September with landlords and investors now seeing the number of buy to let mortgages available reaching levels not seen since August last year, research reveals. The analysis by Moneyfacts.co.uk shows that BTL mortgage availability, both fixed and variable, has been improving […]