Tag: Landlords

How to Present Your Portfolio to a Commercial Lender

Author: Mark Alexander

21st January 2026, 5 months ago | 0

Strong presentation increases approval odds and improves terms. Commercial lenders assess the business behind the properties, not just the bricks...

MPs clash over property income tax amid warnings it will hurt landlords and tenants

Author: Property118.com Landlord News Team

15th January 2026, 5 months ago | 18

A Conservative MP claims Labour’s decision to raise tax rates on property income will hurt renters and reduce rental supply....

Broker Insights – How NACFB Members Solve the Problems That Banks Won’t Touch

Author: Mark Alexander

11th January 2026, 6 months ago | 0

High street banks prefer straightforward lending – single buy to let properties, long leases, and simple borrower profiles. But the...

How to get Government updates for landlords?

Author: Readers Question

8th January 2026, 6 months ago | 6

Hello all readers, I think it might be worth all landlords signing up for the Government’s PRS updates and updates...

A Tale of Two Applications – Why One Got Rejected and the Other Approved

Author: Mark Alexander

7th January 2026, 6 months ago | 0

On the surface, two landlords submitted similar applications for commercial finance. Yet one was rejected outright while the other sailed...

How One Landlord Restructured £5m of Debt with Commercial Finance

Author: Mark Alexander

31st December 2025, 6 months ago | 0

Large portfolios can generate significant income – but they also carry significant debt. Managing that debt effectively is crucial to...

From Stalled Project to Success – How a Landlord Used Bridging to Complete a Deal

Author: Mark Alexander

24th December 2025, 6 months ago | 0

Not every property project goes to plan. Unexpected costs, tight deadlines, and lender withdrawals can stall even the most experienced...

How to Protect Your Liquidity When Refinancing a Portfolio

Author: Mark Alexander

17th December 2025, 6 months ago | 0

Refinancing is a critical moment for landlords. It can unlock equity, improve terms, or restructure debt – but it can...

Loan Covenants Explained – Avoiding Traps in Your Commercial Mortgage Agreement

Author: Mark Alexander

10th December 2025, 7 months ago | 0

Loan covenants are one of the least understood parts of a commercial mortgage agreement. Many landlords focus on rate and...

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

Author: Property118.com Landlord News Team

4th December 2025, 7 months ago | 32

A landlord is warning that councils gaining more powers for implementing forced intended entry to a rented property will ultimately...

Understanding Personal Guarantees – Risks and Alternatives

Author: Mark Alexander

3rd December 2025, 7 months ago | 0

Personal guarantees are one of the most misunderstood aspects of commercial finance. Many landlords sign them without fully appreciating the...

Landlords face lengthy court delays ahead of Section 21 abolition

Author: Property118.com Landlord News Team

1st December 2025, 7 months ago | 2

Landlords continue to wait weeks to gain court hearings to regain possession, as the Renters’ Rights Act could trigger an...

Landlords face crackdown under Renters’ Rights Act as councils gain powers to issue hefty fines

Author: Property118.com Landlord News Team

1st December 2025, 7 months ago | 6

The government has warned landlords they could face fines of up to £40,000 under the Renters’ Rights Act. The government...

Landlords warn Renters’ Rights Act will delay EPC improvements

Author: Property118.com Landlord News Team

26th November 2025, 7 months ago | 0

The Renters’ Rights Act risks slowing down energy-efficiency upgrades, with more than half of landlords expected to delay or reduce...

Common Mistakes Landlords Make When Applying for Commercial Finance

Author: Mark Alexander

26th November 2025, 7 months ago | 0

Applying for commercial finance is not the same as applying for a standard buy to let mortgage. The sums are...

Housing minister declines to clarify on landlords recouping EPC costs

Author: Property118.com Landlord News Team

25th November 2025, 7 months ago | 13

Housing Minister Matthew Pennycook has refused to give a clear answer on whether landlords will be able to recoup the...

Landlords should set aside a quarter of rental income for maintenance

Author: Property118.com Landlord News Team

19th November 2025, 7 months ago | 8

As the Renters’ Rights Act approaches its commencement date, a property management company has outlined how much landlords should be...

What lenders really think about EPC regulations and ‘green’ finance

Author: Mark Alexander

19th November 2025, 7 months ago | 0

Energy efficiency and sustainability have become central themes in the property market. For landlords, EPC regulations are not just a...

The Impact of Stress Testing on Landlords’ Borrowing Power

Author: Mark Alexander

12th November 2025, 8 months ago | 0

Stress testing has become one of the biggest hurdles for landlords seeking finance. Even when rental income is strong, lenders...

Housing Secretary hits back at Green Party over call to abolish landlords

Author: Property118.com Landlord News Team

11th November 2025, 8 months ago | 7

The Housing Secretary has slammed the Green Party for calling for the abolition of landlords. Steve Reed said he had...