Many landlords have life insurance, but few know whether it still does what they think it does. Over the years, policies are taken out, topped up, replaced, or forgotten. Mortgages are refinanced, portfolios grow, and children leave home. Yet the life cover that once felt reassuring might now be too little, too much, or simply […]

The Chancellor, Rachel Reeves, was warned by not one but two letting agents that she required a licence to rent out her Dulwich home, the Mail on Sunday reports. Yet she went ahead and let the property illegally for £3,200 a month. The fresh revelation piles more pressure on the Chancellor, who had claimed to […]

Chancellor Rachel Reeves’s expected targeting of property and wealth in this month’s Budget will hit homeowners the hardest, one leading property expert says. According to the chief executive of Scotland’s largest estate and letting agency, DJ Alexander, the mounting speculation about inheritance tax (IHT) changes is causing alarm among ordinary families. David Alexander says they […]

House prices edged slightly higher in October as the property market continued to display resilience despite wider economic pressures. Nationwide’s latest House Price Index reveals that annual growth was up 2.4%, from 2.2% in September. Robert Gardner, Nationwide’s chief economist, said: “The housing market has remained broadly stable in recent months, with house prices rising […]

A string of leading buy to let lenders have announced rate cuts and product enhancements across the commercial and BTL products as sector competition grows. InterBay, part of the OSB Group, has trimmed rates by up to 0.50% across its commercial owner-occupier and semi-commercial product lines. Rates now begin at 5.34%, with reductions designed to […]

The landlord thought it was just a formality. The boiler was new, tenants were happy, and time slipped by. When the gas safety check was missed by just a few weeks, it hardly seemed serious. But the tenants knew their rights. They reported the oversight, and the landlord suddenly faced the possibility of enforcement action, […]

Hello Everyone, Some house prices are weakening area-dependent, and as a consequence, the mortgage lenders are being more cautious and marking down house values for new loan applications. This means, as a consequence, that borrowers need a higher percentage loan-to-value (LTV) than they originally thought was necessary. Therefore, there are more buyers that are forced […]

City Hall Conservatives urge London to get radical with housebuilding after the capital is building the fewest homes of any English region per capita. A report by City Hall Conservative member Lord Bailey reveals London is on track for fewer than 5,000 private construction starts in the whole of 2025. The Get London Building report […]

Landlords across the UK are reporting their best profits and yields in years, even as confidence in the market continues to waver, research from Aldermore shows. According to the findings, 89% of landlords are currently making a profit from their rental properties, the highest level since 2019. At the same time, average yields have risen […]

As Awaab’s law has been written into statute, it’s worth understanding how laws based on false assumptions may lead to unfounded blame and discrimination. I can’t begin to think how awful it is to lose a child, but to lose a child to preventable mould tugs at the heartstrings of the nation. We all rightly […]

I’m hoping someone can help me. I originally contacted you in March when my tenant disappeared. I issued him a Section 21, which terminated in May.  The tenant is in Thailand, and he hasn’t replied to any of my messages or emails since January. He also hasn’t paid rent since December.  I’m using an eviction […]

Every time the Bank of England announces a change to the base rate, landlords sit up and take notice. The base rate sets the tone for all borrowing costs in the UK. In 2025, with landlords remortgaging at higher levels and stress tests still challenging, understanding how these changes filter through to buy-to-let mortgages is […]

Housebuilders warn the Office for Budget Responsibility (OBR) that Labour’s 1.5 million homes target won’t be met. The Times reports that in a private letter to the OBR, Britain’s housebuilders, including the Home Builders Federation, said the government’s housing targets are “too optimistic.” The news comes ahead of the Autumn Budget next month. Reduce planned […]

If you were looking for a sign on whether or not to stay in the property business, recent news has provided a clear and present message on the state of landlords and how they’ll be treated going forward. This week the Renters’ Rights Bill received Royal Assent, bringing about the biggest changes to the sector […]

Limited company landlords are sitting on a 40% IHT time-bomb. Over 400,000 UK landlords now run their portfolios through Limited Companies. It’s become the default response to Section 24 and the pressure on refinancing. However, here’s the uncomfortable truth: Every pound of equity growth in that company is locked into your personal estate and exposed […]

A recent YouGov poll has been making the rounds on social media. It claims that 58% of voters want public spending maintained or increased, while 67% want taxes to stay the same or fall. The post summarising the data concluded with a neat, confident line: “In reality, it’s a binary choice. Taxes go up, or […]

Case Study: How We Found An AFFORDABLE Solution. When a long-standing landlord from the South East contacted Property118, her goal was not to cut tax or refinance for growth. She simply wanted to make sure her partner would not face financial chaos if she died unexpectedly. “I’m not worried about paying some tax,” she said. […]

Another Labour minister is in hot water over ‘misunderstanding’ the rules, and Two Tier thinks landlords will let this latest mishap slide? Surely, when the Chancellor of the Exchequer, Rachel Reeves, breaks housing law, every landlord will sit up and take note. Reeves has admitted she rented out her Dulwich family home without a selective […]

It’s a controversy that doesn’t look like it’s going away after it was revealed that the Chancellor Rachel Reeves told the Prime Minister she was unaware that her Dulwich home needed a licence to be rented out. However, emails released for ‘transparency’ show that the claim was untrue. Conservatives are calling for Ms Reeves to […]

Southwark Council tops the table for selective licensing fees, generating more than £23 million, as Rachel Reeves’ licensing error continues to make headlines. Ms Reeves failed to obtain a selective licence for her family home, which she rented out in Southwark, and could be forced to repay thousands of pounds to her tenants. While Ms […]

End-of-tenancy walk-throughs rarely shock seasoned landlords. This one did. The front door stuck on a swollen frame, the air felt heavy, and the first step into the lounge crunched on broken glass. What followed looked like a DIY experiment gone wrong. The walk-through from hell Room by room the damage escalated. Doors were off hinges. […]