Page 64 – Property118

Dear 30-Year-Old Me: The Tightrope Between Wealth and Life

7th December 2025

You already know how to create and multiply wealth, that won’t ever be your problem. While others are chasing stable income and luxuries, you’ll already see the bigger picture: how time and debt can be transformed into equity, how every £1 million borrowed today and sensibly invested into properties with strong capital appreciation prospects becomes […]

Knight-themed Landlord Crusader logo symbolizing landlord advocacy

Tell me again why landlords should persist in a PRS rigged against them

5th December 2025

I think the kids call it doom scrolling, when you can’t stop reading negative news stories and comments on social media. In my case, the landlords on X/Twitter have had a field day after the Budget and its potential impact. I made a crack last week about getting those landlords who don’t engage with what’s […]

Digital padlock symbolising compliance and accountability in the private rented sector

Landlords must stay signed up to Ombudsman as scheme set to become mandatory

5th December 2025

The government has confirmed landlords will need to stay signed up to the Private Rented Sector Ombudsman, even after they’ve left the rental market, as it releases further guidance. However, landlord organisation says the move is “disproportionate and administratively unfair” and claims it amounts to an “exit tax for landlords.” The scheme will be mandatory […]

Halifax logo and digital houses with a graph and a person writing in the background

UK house prices stall as annual growth slows – Halifax

5th December 2025

House prices were flat in November as the market paused after several steady months of gains, the latest Halifax House Price Index reveals. The average home price now stands at £299,892, only £138 higher than October and just enough to set a new record. Yearly growth dropped back to 0.7%, down sharply from October’s 1.9%. […]

Angry landlord tearing paperwork while reacting to selective licensing concerns

Landlords blast selective licensing scheme as anger grows after first year

5th December 2025

Angry landlords have hit out at their town’s selective licensing scheme, a year after it was introduced. They accuse the council of creating higher rents, driving evictions and worsening local housing pressures, Teesside Live reports. The five-year scheme, covering central Stockton, north Thornaby and Newtown, has issued more than 1,400 licences since its launch. Landlord […]

Wooden houses and percentage markers next to a downward arrow illustrating falling rents in England.

Rents fall for fourth month as November slowdown takes hold

5th December 2025

Rents in England dropped for a fourth straight month in November as the winter lull took hold, but annual rental inflation rose from 3.1% to 3.3%. The data from Goodlord reveals that the average rent slipped by 2.4%, falling from £1,276 in October to £1,245. It marks a steady decline since July’s peak, when the […]

Food waste being placed into a green recycling bin alongside a warning sign about new waste regulations for HMO landlords

HMO landlords warned of fines under new waste regulations

5th December 2025

Houses in Multiple Occupation (HMO) landlords are being warned they could face a £5,000 fine for poor waste management under new rules. Simpler Recycling legislation, set to come into effect in March next year, will mean every household in England will be required to have a separate weekly collection of food waste, including all purpose-built […]

I think my Airbnb guests were strippers and now I have a glitter problem

5th December 2025

I have been an Airbnb host for about six years, and I thought I had seen everything. I was wrong. I recently accepted a three-night booking from three young women. They looked perfectly normal on their profile. Nothing unusual. The messages were polite, check-in was smooth, and I did not give them a second thought. […]

Cartoon of a landlord holding a mortgage agreement while a stern lender issues a repossession notice, with worried tenants watching from a window.

The mortgage consent mistake that put a landlord at risk

5th December 2025

The landlord had a standard residential mortgage but decided to let out their property when work took them abroad. They assumed the lender wouldn’t notice and went ahead without seeking consent. When the lender carried out a routine check, they discovered the property was tenanted. The landlord was in breach of their mortgage terms, exposing […]

Gavel held during legal discussion about enforcing a court judgment

Enforcing judgement against a housing association?

5th December 2025

In November 2020, I let a property in North London to a major housing association (HA) on a three-year lease. They overstayed their lease by two years and in 2025, I made a claim through the Money Claim Online arm of the County Court (MCOL) for underpayment of rent (difference between market rent and passing […]

SDLT Tribunal Win Highlights Misclassification Risks for Landlords

4th December 2025

A newly published First-tier Tribunal decision has drawn fresh attention to how easily Stamp Duty Land Tax (SDLT) can be misapplied when property purchases include multiple components such as parking spaces, garages, or storage units. The case, Sehgal v Revenue and Customs [2025] UKFTT 1439 (TC), concerned the purchase of an apartment, an allocated car parking […]

Tenant blocking unscheduled council entry at rented home with dog presentv

Tenants will pay the price for council’s entry threats warns landlord

4th December 2025

A landlord is warning that councils gaining more powers for implementing forced intended entry to a rented property will ultimately harm tenants. While Nottingham City Council says it will not use forced entry, the Renters’ Rights Act will give council officers the power to carry out surprise inspections and enter private rented properties without a […]

Red “not accepted” symbol over a mobile screen showing a completed payment message, highlighting rejection of rental payment history as mandatory proof.

Government rules out using rental payment history as proof of affordability

4th December 2025

The government has confirmed rental payment history will not be used as mandatory proof of affordability for tenancy agreements. In response to a written question, Housing Minister Matthew Pennycook said there is no “one-size-fits-all approach for landlords” when determining whether a tenancy is suitable. Many landlords ask for a guarantor to provide financial protection, particularly […]

Credit score gauge on a laptop highlighting rent reporting benefits for tenants and landlords

Should tenants use rent payments for better credit scores?

4th December 2025

Hello, Should PRS landlords be encouraging all tenants to sign up for free to Canopy or Credit Ladder so that their rent payments help build their credit score with big credit referencing agencies? The tenant pays the rent directly to the landlord, so no change. In the case of benefit recipients, while the rent paid […]

Limited edition five-year fixed mortgage offer highlighted with a house and 5% lock graphic

Foundation launches new five-year buy to let fix as lenders cut rates

4th December 2025

Foundation Home Loans has introduced a fresh limited edition five-year fix for portfolio buy to let borrowers while trimming the price of its two-year deal. The specialist lender’s new F1 Limited Edition five-year product sits at 5.24% up to 75% LTV with a 1.75% fee. It includes a free standard valuation and no application charge […]

Person sitting on the ground holding a cardboard sign reading “HELP” to highlight homelessness crisis

Nearly a thousand households a day seek homelessness help in England

4th December 2025

Nearly 1,000 households a day turned to councils for homelessness assistance in England last year, new figures reveal. The Ministry of Housing, Communities and Local Government shows 360,050 households approached their local authority for help between April 2024 and March 2025. Councils accepted 330,410 of them as homeless or at imminent risk, marking the highest […]

Digital illustration of declining buy-to-let mortgage searches shown above a person using a smartphone

Mortgage searches fall as Budget uncertainty hits buy to let demand

4th December 2025

The total number of buy to let mortgage searches fell in November to 1,405,878, a 14.64% month-on-month decline and 3.81% lower than the same period last year. The data from Twenty7tec shows that the fall in all mortgage applications is down to weakening buyer demand, especially for BTL. Buy to let searches are down 13.47% […]

Water leak dripping into a bucket on a living-room floor, illustrating a delayed-reported leak causing property damage.

Can delayed reporting of a leak make a tenant liable for damage?

4th December 2025

My tenant of 14 years reported a puddle on her carpet, which she had noticed three weeks ago, and she tried to mop it up with a towel. However, it kept coming back, so I went the next morning to find access to the airing cupboard blocked by furniture and clutter, so I had to […]

Cartoon of a landlord in court looking distressed as a tenant disputes receiving an eviction notice, with a judge dismissing the case.

The unserved notice oversight that derailed a possession claim

4th December 2025

The landlord filed for possession after months of arrears, confident the paperwork was in order. But when the case reached court, the tenant’s solicitor argued that no valid notice had ever been served. The landlord had posted a Section 21 notice but had no proof of delivery, and the tenant denied receiving it. The judge […]

Making Tax Digital webinar promoting guidance for landlords ahead of 2026 changes

Making Tax Digital Webinar

3rd December 2025

I have agreed to join a live online briefing on Making Tax Digital (MTD) specifically for Property118 readers, alongside the team at Landlord Studio and a specialist landlord accountant. Whether you’re a landlord, a professional adviser or a letting agent, this webinar is for you. The aim is simple: to give you a clear, practical […]