Page 45 – Property118

Landlords face fines of £3,000 to £35,000 under new government guidance

11th December 2025

The government has released new civil penalty tables under the Renters’ Rights Act 2025, and the figures are outrageous. The official guidance, published this week on GOV.UK, sets out a scale of fines that start at £3,000 and climb to £35,000 for the most serious breaches. Many of these offences were previously treated as routine […]

Cash being exchanged for a house to illustrate debates over rent-in-advance rules

Government defends ban on rent in advance in Renters’ Rights Act

11th December 2025

The government have hit back at claims banning rent in advance will lock tenants out of the market. In the Renters’ Rights Act guide, the government claim large amounts of rent can be “a significant barrier to renting”. Under the Renters’ Rights Act, landlords and agents will no longer be allowed to accept large amounts […]

gavel striking between two piggy banks symbolising falling tenancy deposit disputes

Deposit disputes remain rare despite rising rents – TDS

11th December 2025

Formal disputes over tenancy deposits continue to affect only a small fraction of the private rented sector, even as deposit values and rents climb, the TDS Group has revealed. Its Statistical Briefing 2025 shows that just 1% of protected deposits in England and Wales were subject to formal adjudication during 2024/25. A total of 46,950 […]

Student housing miniatures under magnifying glasses highlighting concerns over rental reform impact

Renters’ Rights Act could shut students out of university education

11th December 2025

Industry experts have warned the Renters’ Rights Act will make it harder for students to find homes. The National Residential Landlords Association (NRLA), together with student housing platforms Accommodation for Students, Uni Homes, and The Young Group, say the Act may restrict access to university education, as landlords may be unable to guarantee available homes. […]

Energy-efficiency graphic hovering above a professional's outstretched hand, highlighting EPC upgrades for landlords

Agents urged to take the lead over tougher landlord EPC rules

11th December 2025

Letting agents and mortgage brokers are being pushed to the forefront of preparations for tighter EPC rules, with one leading industry figure warning that many landlords still lack the guidance needed to meet the proposed deadlines. Dr Neil Cobbold, the commercial director at Reapit, told viewers of Eco Approach’s recent ‘Green homes – how can […]

Piggy bank beside coins and a small house illustrating questions about recovering a tenancy deposit

Tenancy pre 2007 not put into a deposit scheme?

11th December 2025

Hi. I am currently dealing with the estate of a friend. I have established that his Assured Shorthold Tenancy commenced in 2006 and changed to a periodic tenancy after the initial 12-month period. I have asked the landlord which scheme he had deposited the deposit to which he replied that he didn’t think there was […]

Digital mortgage dashboard showing BTL application tools on a laptop

Buy to let and commercial lenders offer new rates and products as one exits

11th December 2025

Lenders are reshaping the buy to let and commercial finance landscape as new products, pricing moves and a strategic exit have been announced. Paragon Bank has widened its streamlined BTL application journey to include HMOs and Multi-Unit Blocks, cutting friction for landlords holding 15 properties or fewer. The update follows the summer launch of its […]

Person wrapped in a blanket sitting alone on a bench during cold, wet weather in Scotland

Scottish Conservatives condemn government over homelessness failures

11th December 2025

The Scottish Conservatives claim the Scottish government has failed to get a grip on Scotland’s homelessness crisis. The Scottish government has published its annual Ending Homelessness report, which summarises the progress made during the last year towards ending homelessness in Scotland. However, the Scottish Conservatives say the results show that millions of children are growing […]

Cartoon of a frustrated landlord holding an unsigned inventory checklist while smiling tenants move out of a red-brick house with their belongings.

The inventory handover failure that lost a landlord’s deposit claim

11th December 2025

The landlord arranged for a professional inventory at the start of the tenancy, believing they were fully protected. But they never provided the tenants with a signed copy. When the tenants moved out, several items were missing and damage was noted. The landlord attempted to claim deductions from the deposit, but the adjudicator sided with […]

Stressed renter facing rising housing and energy efficiency pressures amid EPC upgrade concerns

EPC C targets could put renters at risk without stronger protections – ACORN

10th December 2025

A tenant group has welcomed the proposed minimum energy efficiency standards of EPC C targets but warns renters could risk losing their homes without additional protections. A poll by ACORN of 252 renters found that 70% fear eviction or a rent increase if they request a retrofit or if their landlord is forced to upgrade […]

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

Loan Covenants Explained – Avoiding Traps in Your Commercial Mortgage Agreement

10th December 2025

Loan covenants are one of the least understood parts of a commercial mortgage agreement. Many landlords focus on rate and loan size but overlook the conditions that govern how the facility must be managed. Breaching a covenant can trigger penalties, force refinancing, or even give the lender rights to call in the loan. Understanding covenants […]

House model chained with padlock and falling money bags illustrating social housing affordability pressures

Poor tenants shut out of social housing on affordability grounds

10th December 2025

Tenants on the lowest incomes are being blocked from social housing because providers fear they will not be able to afford the rent, research reveals. A study by homelessness charity Crisis shows housing associations in England are increasingly rejecting applicants following affordability checks carried out before a tenancy begins. Around a third of English housing […]

Older couple walking through a bright modern home, illustrating later-life renting trends

Renting later in life exposes growing financial strain – survey

10th December 2025

New figures from the English Housing Survey show that growing numbers of people are reaching midlife and retirement still renting their home. It also shows that the financial gap between tenants and homeowners continues to widen. The latest release from the Department for Levelling Up, Housing and Communities reports that, in 2024/25, 29% of adults […]

Yellow downward arrow above rental houses illustrating falling tenant demand

Rental demand hits six-year low as supply improves and rents cool – Zoopla

10th December 2025

Demand for rented homes has dropped to its lowest level in six years, with the gap between tenants and available properties narrowing sharply over 2025, Zoopla reveals. The property portal said demand has fallen by 20% over the past year, while the number of homes available to rent has risen by 15%, easing pressure in […]

Cartoon of a worried landlord in court holding a “Free Tenancy Template” while a confident solicitor holds “Missing Clauses,” with a stern judge presiding.

The tenancy agreement template trap that cost a landlord dearly

10th December 2025

The landlord downloaded a free tenancy agreement template online and used it without legal review. At first, everything seemed fine. But when a dispute arose over rent arrears and damages, the court scrutinised the agreement. Critical clauses were missing, including those covering service of notices and repair obligations. The tenant’s solicitor successfully argued that parts […]

Section 162 incorporation relief in crisis

9th December 2025

Securing clarity and stability in the application Section 162 incorporation relief for property investment businesses: Why the industry needs updated guidance and consistent interpretation. Over the past decade, UK landlords and their advisers have faced growing uncertainty in how Section 162 incorporation relief is interpreted and administered. What was once a relatively stable area of […]

Wooden umbrella sheltering a model house as miniature figures stand around it, symbolising tenant protection delays

Government confirms no new tenant protections before Renters’ Rights Act

9th December 2025

The government has confirmed no further protections for tenants will come in before 1 May 2026. In answer to a written question, Housing Minister Matthew Pennycook says tenants at risk of eviction before the Renters’ Rights Act comes into effect should seek advice from housing charity Shelter. The Act will abolish Section 21 evictions and […]

Keys held in front of a rental property with a sign indicating immediate availability

More than half of rental homes available for immediate move in

9th December 2025

More than half of all rental properties across Great Britain are available for immediate move in, research reveals. The findings from Benham and Reeves show that tenants have a good chance of securing a home before Christmas. The estate and letting agent examined nearly 125,000 active listings across the country and found that 63,922 of […]

House model on documents with a “For Sale” sign, representing landlords planning to sell amid legislative changes

Government legislation driving larger landlords to sell properties

9th December 2025

A new government survey reveals that larger landlords are planning to sell due to the impact of legislation, as small-scale landlords make up a large majority of the private rented sector. The English Private Landlord Survey reveals the different types of landlords in the private rented sector, with corporate landlords only making up a small […]