Page 38 – Property118
Conceptual illustration of rent controls affecting rural Scottish housing availability

Rent controls and excessive legislation worsen Scottish housing crisis

9th January 2026

Legislation to help tenants in Scotland has backfired as the number of rural rental properties records a dramatic drop. Scottish Land & Estates (SLE) research reveals a decline in availability of private rental homes was recorded in 14 predominantly rural local authority areas between 2022 and 2025. SLE warns the Scottish government rent controls and […]

Selective licensing scheme documents spread on a desk, highlighting new landlord compliance rules coming in 2026

Selective licensing schemes set to expand in 2026

9th January 2026

2026 could see hundreds more selective licensing schemes introduced as the Renters’ Rights Act comes into force, prop-tech firm Kamma warns. Last year marked a record-breaking period for selective licensing, with 49 schemes announced. Kamma says London has been the worst affected, with 28 of the capital’s 32 boroughs now operating selective licensing schemes. London […]

Checklist being ticked in red next to Renters’ Rights Act text, symbolising new compliance requirements for letting agents

Renters’ Rights Act warning as agents urged to prepare now

9th January 2026

With the first element of the Renters’ Rights Act already in force, a senior property sector figure is warning letting agents not to wait until May before acting. That’s when most of the Act’s headline reforms are scheduled to begin, though councils are already rolling out expanded investigative and enforcement powers. It’s the move to […]

New mortgage rate changes symbolised by house cutout, percentage sign and scissors

Fleet refreshes BTL range with cashback remortgages and rate cuts

9th January 2026

Fleet Mortgages has rolled out a fresh set of remortgage deals offering cashback, while also cutting rates across much of its buy to let (BTL) range. The lender has launched new two- and five-year remortgage products at 75% loan-to-value for standard, limited company and HMO or MUFB borrowers. Each comes with cashback of between £500 […]

Scales of justice balancing a Renters’ Rights Act document against landlords beside an exit sign

Conservative councillor warns Renters’ Rights Act will penalise good landlords

9th January 2026

The Renters’ Rights Act runs the risk of rewarding the unscrupulous and penalising responsible landlords, claims a Conservative councillor. Writing in Conservative Home, Surrey County Councillor Jonathan Hulley warned that the Act could disrupt the rental market, with smaller landlords potentially leaving the private rented sector. Mr Hulley argued the Conservatives’ plan to wait until […]

Council tax and TV licence bills with calculator, cash and smartphone on a table, illustrating tenant payment responsibilities

Government updates Tenant Fees Act for landlords

8th January 2026

The government has quietly updated its official guidance on what landlords and letting agents can charge during a tenancy, adding new detail on how council tax and TV licence payments should be handled. Changes have been made to the ‘Fees you can charge as part of a tenancy‘ section of the guidance for landlords and […]

Scissors cutting a “Mortgage Rates” sign, symbolising buy to let lenders reducing rates and competing for landlords

BTL lenders cut rates, widen lending criteria and lift LTV limits

8th January 2026

Specialist buy to let lenders have rolled out a fresh round of product changes, cutting pricing, widening criteria and lifting loan to value limits as they compete for landlord business. Pepper Money has moved first with rate reductions and a significant tweak to its HMO range by cutting pricing by up to 25bps on two-year […]

Stylised house outline with the word rent and an upward arrow, symbolising changes in rental prices

Annual rents are 2% higher but growth rate slows

8th January 2026

The private rented sector ended 2025 with a smaller than expected rise in rents as they grew by 2% year on year. That’s according to the Goodlord rental index which also shows there’s a clear slowdown from the momentum seen earlier in 2025. Even though demand is traditionally weak in winter, the monthly average fall […]

Confident property professional standing in a residential street, reflecting optimism about the private rental market.

Why professional landlords still see opportunity despite tougher rules – Leaders

8th January 2026

Despite ever-growing stories about landlords in the private rented sector quitting in the face of higher costs and growing legislation, one property sector leader says now is a great time to be a landlord. Allison Thompson, the national lettings managing director at Leaders, says the picture on the ground differs from the gloomy narrative often […]

House with falling red price graph and pound symbol, showing UK property market decline.

House prices dipped in December as annual growth slows – Halifax

8th January 2026

UK house prices fell for a second consecutive month in December, delivering a softer end to the year for the housing market, Halifax says. Prices dropped by -0.6% during the month, following a -0.1% decline in November, taking the average property value to £297,755. That’s £1,789 lower than a month earlier and the lowest level […]

Broken communal front door of a block of flats after forced police entry, boarded and unsafe for residents

Freeholder refuses to replace damaged door?

8th January 2026

I have two leasehold flats in a block of 4 converted flats, the freeholder owns the other two. The police attended one of his flats to arrest the tenant, but the police decided to kick the main front door in to gain access. They sent someone out to board it up, and no one could […]

Model house, calculator and UK pound notes on paperwork illustrating rent repayment and landlord enforcement

Propertymark backs wider Rent Repayment Order crackdown

8th January 2026

Propertymark has welcomed the government’s decision to widen the scope of tougher Rent Repayment Orders (RRO) to protect tenants on housing support. Ministers have confirmed that a pilot scheme allowing councils to pursue expanded RRO’s will be rolled out to 41 local authorities across England. That follows early signs that the approach is helping recover […]

How to get Government updates for landlords

How to get Government updates for landlords?

8th January 2026

Hello all readers, I think it might be worth all landlords signing up for the Government’s PRS updates and updates reference Assured Periodic Tenancy agreement templates. Their document is to give tenants already on an AST or Periodic tenancies on or before the 1st of May this year. Get emails from GOV.UK You’ll get emails […]

Damaged electric meter with exposed wiring in a vandalised flat, highlighting costly repairs and safety concerns

Punish the landlord victim?

7th January 2026

Hi, my flat was ransacked by the tenant or a third party introduced by the tenant, and the electric meter was damaged. It will cost £6,000 -£8,000 to make a full repair. The council made an Emergency Prohibition Order under S43 Housing Act 2004. Fair enough. They now want me, the landlord, to pay them […]

Desk calendar showing extended notice to quit dates with Northern Ireland flag in the background

Northern Ireland’s private landlords face seven month Notice to Quit periods

7th January 2026

Northern Ireland landlords could soon face some of the longest Notice to Quit periods in the UK after Communities Minister Gordon Lyons began a 12-week consultation on new regulations. The proposals would require private landlords to give up to seven months’ notice to tenants with more than 10 years of occupancy. The major policy shift […]

Balance scales weighing stacked coins against a house, symbolising buy to let affordability and mortgage stress rates

HSBC cuts BTL stress rates as LendInvest launches 2026 deals

7th January 2026

HSBC UK has lowered its buy to let affordability stress rates for domestic borrowers; a move it says will widen access to finance and help stabilise rental supply during a period of persistent cost pressure. The lender said the adjustment would give landlords greater flexibility when refinancing or raising additional borrowing, improving choice across the […]

Rent sign beside model house and coins with downward arrow showing falling rental prices

Rents stagnate as Renters’ Rights Act uncertainty bites

7th January 2026

The UK’s rents slipped in December to leave annual growth muted as landlords tread carefully ahead of May’s implementation of the Renters’ Rights Act. According to the latest HomeLet Rental Index, average rents fell to £1,317 last month, down 1.5% from November. Despite the monthly dip, prices remain 2.6% higher than a year earlier. Excluding […]

Landlord calculating rental property running costs with calculator, coins, and house model

Landlords spend up to 45% of rental income on rising costs

7th January 2026

Non-HMO landlords are allocating around 25% of their gross rental income to their portfolio running expenses, with HMO operators reporting figures close to 45%, research reveals. According to Pegasus Insight, those proportions mark a big rise in maintenance and repairs, which now represent between 31% and 39% of overall expenditure. Average annual costs have reached […]

Piggy bank with coins and a question mark illustrating a tenancy deposit dispute and outstanding rent arrears

Are rent deposits covered by the Limitations Act 1980?

7th January 2026

The tenant took a 12-month lease from 24/03/2017 and served notice to quit on 10/02/2018, effective 23/03/2018. The deposit, in the sum of £1,920, was registered with The Deposit Protection Service (DPS) on 27/03/2017. The rent due on 23/02/2018 was not paid. The tenant agreed that this amount could be deducted from the deposit, leaving […]

Commercial Finance Blog featured image showing buildings, factory, handshake, loan document, calculator, pound sign and growth bars on a teal background.

A Tale of Two Applications – Why One Got Rejected and the Other Approved

7th January 2026

On the surface, two landlords submitted similar applications for commercial finance. Yet one was rejected outright while the other sailed through to approval. What made the difference? This case study highlights the importance of preparation, presentation, and broker expertise in determining outcomes. Case 1 – The Rejected Application A landlord applied directly to a lender […]