Page 56 – Property118
Labour policy illustration showing policy list crossed out in red

Government policies harm tenants as small landlords leave

15th October 2025

“Government policies designed to protect tenants could end up harming exactly the people they are intended to help”, says Conservative activist and landlord. Writing in Conservative Home, Kimberley Harmer, who owns three rental properties, warns Labour not to attack landlords during the Autumn Budget. This comes as rumours swirl in the media that the Chancellor […]

Young adult facing expensive city housing with “unaffordable” signs symbolizing rising rent costs.

Under 30s priced out of UK cities as they struggle to afford rent

15th October 2025

Spending less than 30% of gross income on rent is no longer an attainable affordability threshold for many under-30s, claims SpareRoom. The flat-sharing website claims average-earning under 30s are now being priced out of cities including London, Cambridge and Bath. SpareRoom says many renters under 30 are more financially reliant on their parents to help […]

Couple dreaming about owning a home and starting a property rental business.

Brits dream of becoming landlords despite Renters’ Rights Bill shake-up

15th October 2025

As the government prepares to debate the Renters’ Rights Bill again this week, a survey of what type of business Brits want to set up might surprise many established landlords. That’s because despite the restrictions about to be imposed on the PRS with the Bill, one in 10 Brits want to start Airbnb hosting or […]

Worker installing faulty home insulation with “FAILED” stamp highlighting scheme issues

Spending watchdog accuses government insulation schemes of “failure” over poor installations

15th October 2025

A spending watchdog has slammed government schemes designed to insulate homes as “a failure”, costing homeowners thousands of pounds. A report by the National Audit Office (NAO) reveals 98% of homes with external wall insulation installed under the government’s energy company obligation (ECO) scheme require work to correct major issues that will cause problems such […]

Unbelievable Letting Agent Fails: Flat Advertised with No Kitchen

15th October 2025

Landlords rely on letting agents to present their properties accurately. After all, it is their job to market the home clearly and professionally to prospective tenants. Yet sometimes, even the most basic requirements get overlooked – with laughable, and occasionally alarming, results. One such incident made the headlines when a letting agent listed a flat […]

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

Fire in a Rental Property – How Insurance Responds

14th October 2025

A fire in a rental property is every landlord’s nightmare. Aside from the immediate safety concerns, fires can trigger complex claims that involve buildings, contents, liability, loss of rent, and strict compliance checks. This guide explains what to do in the first 24 hours, how policies typically respond, the evidence insurers look for, and the […]

Kindness Is Commercial: A Family-First Continuity Plan for Landlords

14th October 2025

If you were suddenly unable to manage the portfolio, through illness or death, would your family know what to do tomorrow morning? Who calls the lender, who holds the keys, and how do rent and repairs keep moving? This isn’t about selling or refinancing. It’s about kindness: giving your loved ones a calm first page […]

Council officer presses door buzzer while conducting a housing inspection visit.

Organisation claims Renters’ Rights Bill will strain councils despite more powers

14th October 2025

The Renters’ Rights Bill will place an enforcement burden on councils without more funding, claims an organisation. In evidence to the Housing, Communities and Local Government (HCLG) select committee about housing conditions in England, the Chartered Institute of Environmental Health (CIEH) claims local authorities are under-resourced and struggling to meet existing enforcement burdens. The organisation […]

Model house on calculator with tax warning symbol, representing property tax reform concerns

Raising taxes without reform could damage growth warns Institute for Fiscal Studies

14th October 2025

A prominent think tank warns the Chancellor Rachel Reeves, “simply raising tax rates without reform would do more economic damage than is necessary”. The Institute for Fiscal Studies (IFS) has published a report on options for tax increases ahead of the Autumn Budget. The report urges the Chancellor to reform the property taxation system and […]

Small house balanced on a large blue percent symbol representing rising UK mortgage rates

Mortgage rates edge up after eight-month decline

14th October 2025

Mortgage costs have crept higher for the first time in eight months, with two- and five-year fixed-rate deals increasing by 0.02%, to reach 4.98% and 5.02% respectively. That’s according to the latest Moneyfacts UK Mortgage Trends Treasury Report which says this is the first rise since February. The overall Moneyfacts’ average mortgage rate climbed to […]

Keys with a red house keychain symbolising private rental sector demand amid rising tenant interest.

PRS remains red-hot as tenant competition intensifies

14th October 2025

Tenant interest in rental accommodation continued to rise over the summer, with new figures pointing to widespread growth across much of the country. Fresh analysis from Dwelly highlights that demand remained strong during the third quarter of this year. West Sussex has seen the highest concentration of properties being taken off the market, while Rutland […]

Wooden house model with LHA letters symbolising Local Housing Allowance and rent support reform.

NRLA urges government to lift LHA freeze

14th October 2025

The National Residential Landlords Association (NRLA) has joined a coalition of housing and charity organisations calling on the Prime Minister Kier Starmer to reverse the freeze on Local Housing Allowance (LHA) rates. In a joint letter to the Government, the NRLA stands alongside the Chartered Institute for Housing, the National Housing Federation, and homelessness charities […]

Couple surrounded by moving boxes in Scotland unsure about their tenancy rights

Scottish tenants claim lack of awareness of their rights

14th October 2025

A report claims Scottish tenants are unaware of their rights and fear complaining about issues to their landlord. According to Consumer Scotland’s A Fairer Rental Market: Exercising Tenancy Rights in Scotland’s Private Rented Sector report, despite the majority of tenants reporting that they would feel confident seeking resolutions from their landlord or letting agent (63%). […]

Unbelievable Letting Agent Fails: The Sale Nobody Mentioned

14th October 2025

This piece is part of our Unbelievable Letting Agent Fails series. Today’s story was first reported in the United Kingdom. Picture returning home to find a “For Sale” board outside your rental. That is what happened to a group of tenants who discovered their home was on the market without anyone telling them. Viewers began […]

Parliamentary debate on Renters’ Rights Bill amendments

Peers to debate final amendments to Renters’ Rights Bill tomorrow

13th October 2025

Peers will debate last-minute amendments tomorrow (14 October) as the Renters’ Rights Bill reaches its final stages. Over the weekend, further amendments were added to the list, though no major changes are expected The bill will go back and forth between the Lords and Commons to resolve any remaining disagreements on amendments. Pet damage deposit […]

A person writing on a digital screen of a laptop showing Tax and a percentage sign, Gov.uk logo

Making Tax Digital: Which Software Works Best for Landlords?

13th October 2025

Why Landlords Need to Act Now Making Tax Digital (MTD) for Income Tax is finally happening. From April 2026, if your total rental income is £50,000 or more, you’ll need to keep digital records and submit quarterly updates to HMRC. From April 2027, the threshold drops to £30,000, and later it’s expected to reach £20,000. […]

Businesswoman holding budget folder beside model house and housing market charts.

Autumn Budget uncertainty keeps house prices under pressure

13th October 2025

The upcoming Autumn Budget is expected to leave house prices constrained as uncertainty looms. According to the latest Acadata House Price Index, house prices were 3% lower than a year ago, marking the weakest year-on-year performance for a considerable period. Consumer confidence remains fragile, and the approaching Autumn Budget is weighing heavily on housing demand. […]

Hand pulling a wooden block labeled “Mortgage” from a house marked “BTL”, symbolizing buy to let lending and finance changes.

BTL mortgage market sees boost from HSBC, TML and Aldermore

13th October 2025

Three major buy to let lenders have unveiled measures aimed at strengthening support for landlords, offering improved borrowing options, rate cuts and cashback deals across the BTL sector. HSBC has expanded its BTL range with the introduction of ‘top slicing’, enabling borrowers to use their personal income alongside rental income when applying for loans. The […]

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

How Limited Company Buy-To-Let Mortgages Work

13th October 2025

More landlords than ever are holding property through limited companies in 2025. This shift is driven partly by the impact of Section 24 restrictions on mortgage interest relief, and partly by longer-term planning for succession and refinancing flexibility. While limited company borrowing is now mainstream, the way lenders assess applications differs in several important ways […]

Millennials laughing together while viewing a phone with a “Buy Now” house icon overlay.

Millennials drive surge in buy to let market activity

13th October 2025

Millennials are taking the lead when it comes to PRS investment in England and Wales, becoming the dominant force behind new buy to let company formations despite tougher tax measures. And that’s despite many of them struggling to buy their own homes. Research by Hamptons of Companies House and Connells Group sales data, shows that […]

Rising rental property availability across England illustrated with colorful houses and an upward arrow.

Rental home availability in England surges by nearly 20%

13th October 2025

Rental property availability in England has jumped by almost 20% over the past year, offering relief to tenants in a market that has been under pressure. Data from Adiuvo, a property management firm, shows that the number of homes listed for rent climbed from 95,354 in Q3 2024 to 114,178 in Q3 2025. That’s a […]