Page 63 – Property118
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 […]

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

Subsidence and ground movement – What landlords need to know

9th December 2025

Subsidence is one of the most disruptive and time-consuming perils a landlord can face. Unlike a burst pipe or storm damage, ground movement claims rarely resolve quickly. Investigations, monitoring and structural works can span many months, sometimes years, with cash flow consequences if the property is uninhabitable. This guide explains causes, warning signs, how insurers […]

Gavel poised above a model house highlighting council enforcement against rogue landlords

Renters’ Rights Act at risk without strong council enforcement – Generation Rent

9th December 2025

A tenant organisation has warned the Renters’ Rights Act could fail if councils do not rigorously enforce the law against criminal landlords. Writing in Inside Housing magazine, Generation Rent chief executive Ben Twomey argues the Act could become “no more than words on paper” without proper enforcement. Under the Renters’ Rights Act, councils will have […]

Rising property values shown through increasing house icons and an upward market trend line

Hamptons forecasts modest 2026 house price growth

9th December 2025

House prices are set to rise modestly next year by 2.5% across Great Britain in Q4 2026, Hamptons says. It is also predicting that inflation will ease, and mortgage rates will be lower. The firm says transactions should hold near 1.15 million as improving affordability counters economic and tax pressures. However, the outlook becomes more […]

Cartoon of a worried landlord holding an expired gas safety certificate while an inspector points at it, with a house and tenants in the background.

The safety certificate oversight that put a landlord at risk

9th December 2025

The landlord had arranged gas safety checks for years without issue. But one year, the reminder email from the engineer was missed, and the annual certificate expired unnoticed. When the council inspected after a tenant complaint, they found the property operating without a valid Gas Safety Record. The landlord faced enforcement action, including a fine, […]

Landlord at rental tax crossroads

Portugal cuts rental tax to 10%: A warning shot for the UK?

8th December 2025

Recent announcements from the Portuguese Government, including a proposed reduction of income tax on residential rental income to 10% or even 0% in some cases, have captured the attention of UK landlords. The move contrasts strongly with UK policy direction and raises two important questions: Is Portugal positioning itself as a more attractive reinvestment destination […]

Hands typing on a laptop with digital privacy and security graphics overlaying the screen

Government promises to address landlord privacy concerns amid PRS database rollout

8th December 2025

The government claim they “will try to balance landlords’ privacy concerns with private tenants’ needs to make informed decisions” for the Private Rented Sector (PRS) database. Many landlords are concerned about what details will be included in the PRS database, which is set to roll out in late 2026. The government claim they are still […]

House and tax blocks balanced on a seesaw illustrating changes to buy-to-let affordability

Buy to let lenders unveil new landlord deals and support

8th December 2025

Nottingham Building Society has moved to counter the impact of the government’s property tax hike by releasing a new set of buy to let products aimed at easing affordability for landlords. The launch follows the Autumn Budget announcement, which confirmed a 2% increase in property income tax from April 2027. The mutual has cut its […]

Energy-efficiency graphic with coins, EPC rating chart and a government official highlighting property upgrade costs

Rachel Reeves faces £7,550 bill to upgrade EPC rating on her rental home

8th December 2025

The Chancellor Rachel Reeves is facing a £7,550 bill to improve the energy performance of her London home under Labour’s tougher EPC rules for private landlords. The Daily Telegraph reports that her four-bedroom property in Dulwich is rated D, falling short of the proposed requirement for all new tenancies to meet EPC C by 2028 […]

Four more tax tribunal wins for taxpayers

8th December 2025

Following the strong engagement with my recent article about the Sehgal SDLT decision, many readers asked a natural question: “How often do taxpayers actually win at the tax tribunals, and is the system fair?” It is easy to assume HMRC always holds the upper hand. They have deep pockets, specialist litigation teams, and the ability […]

Boiler with icons representing gas and electric options for choosing a heating system in new flats

Gas or electric boiler for flats?

8th December 2025

Hello, I’m going through the process of building 2 x 1 bed flats. I’m at the stage of the predicted/design SAP/EPC’s to add to the bundle of info to send off for Build Reg approval and what type of heating source is the question. The question is: should I go for a gas boiler or […]

Children sitting by a window with a painted rainbow, symbolising how housing tax changes may impact families.

Labour’s housing policies will push more kids into poverty

8th December 2025

Chancellor Rachel Reeves says she’s lifting half a million children out of poverty. Hang on a minute, how’s she doing that then? She’s just put an extra 2% on rental income. Where does a landlady get her rent from? Normally, a family, a woman. Oh, I see, does this woman have kids? Yes normally. If […]

Red downward trend arrow with pound symbol pointing toward a house to illustrate the financial impact of selective licensing.

Landlords win concessions on licensing fees but costs will still hit renters

8th December 2025

A landlord organisation has welcomed a council’s decision to reduce a selective licensing fee and scale back inspections, but warns the move will ultimately increase costs for tenants. The Eastern Landlords Association (ELA) had opposed Great Yarmouth Borough Council’s selective licensing scheme, which was set to cover 5,000 properties at an original cost of £784 […]

Construction worker laying mortar on a brick wall during discussion of UK build-to-rent growth

Build to rent completions rise as construction pipeline slows

8th December 2025

The build to rent sector has delivered another strong quarter, adding more than 3,700 new homes across the UK, even as construction activity shows signs of cooling. Fresh analysis from Property Inspect reveals that 139,132 BTR units had been completed by Q3 2025, a quarterly lift of 2.7% and an annual jump of 13.6%. However, […]

Cartoon of a landlord holding an insurance policy while an insurance agent rejects a claim, with a leaking house in the background.

The insurance disclosure failure that voided a claim

8th December 2025

The landlord had buildings insurance in place but failed to notify the insurer that the property was rented out. When a serious leak caused thousands of pounds of damage, they submitted a claim. The insurer investigated and discovered the property was let to tenants, something not disclosed when the policy was taken out. The claim […]

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

Case study: The landlord who expanded using buy to let gearing

8th December 2025

For landlords, growth often depends on using gearing – borrowing against equity in existing properties to fund further acquisitions. In 2025, with property values stabilising and lenders reintroducing more competitive products, gearing remains one of the most powerful tools for portfolio expansion. This case study illustrates how one landlord used refinancing and sensible leverage to […]