Why landlords’ costs are rising and why tenants will feel it in higher rents
The UK’s private rented sector is under pressure from every angle: higher financing costs, rising compliance and upgrade bills, and a fresh wave of tax changes. When operating costs go up in a market where demand still outstrips supply, rents tend to follow. Recent reporting and landlord survey evidence indicates a clear direction of travel: […]
Remortgage vs Product Transfer for Landlords: which is best for you?
Landlord renewal coming up? Learn the real difference between a remortgage and a product transfer, when each makes sense, and the traps to avoid. The landlord renewal decision most people rush When a landlord mortgage deal is ending, you’ll usually have two broad routes: Product transfer (sometimes called a “rate switch”) with your current lender […]
Renewal-ready landlords: the 6 updates you should tell your broker before renewal (to avoid surprises)
Most renewal problems aren’t “bad insurance” — they’re missing updates Landlords often get frustrated at renewal because something changes and it wasn’t reflected in the policy: the premium increases unexpectedly the insurer asks new questions late in the process a key cover is restricted because the risk looks different than last year a claim is […]
The PRS Database will be public and the Landlord Ombudsman can order action and compensation
Once the new Private Rented Sector (PRS) Database is up and running for landlord registration, the government’s published implementation plan makes clear that two big developments follow: Public access and data sharing are enabled (date TBC, but explicitly after landlord registration launches); and A new PRS Landlord Ombudsman is introduced after the database, creating a […]
Unoccupied properties: the hidden insurance trap during voids and refurbishments
Why “it’s only empty for a few weeks” can create the biggest cover misunderstandings — even outside winter Most landlords don’t worry about unoccupancy until a claim happens during a void Void periods are normal: tenant changeovers marketing time refurbishments delayed move-in dates works between lets The problem is that many landlord policies treat an […]
EPC Improvements for Landlords: how to plan upgrades without derailing your remortgage or cashflow
A practical guide for landlords on planning EPC improvements: how to prioritise upgrades, fund them sensibly, and keep remortgage plans and cashflow resilient. EPC improvements aren’t just “a compliance task” — they’re a planning decision For many landlords, EPC conversations create two immediate reactions: “What do I need to do, and by when?” “How do […]
Making Tax Digital is coming for landlords and it starts 6 April 2026
From 6 April 2026, landlords (and sole traders) with qualifying income over £50,000 will be required to use Making Tax Digital (MTD) for Income Tax. HMRC says around 864,000 people are in scope for the first wave and should act now. This isn’t “just a new website” or a small admin tweak. It’s a structural […]
Late 2026: PRS Database rollout begins – what we know so far, what it will contain, and who will be able to access it
After the major tenancy reforms in May 2026, the next big milestone in the Renters’ Rights Act programme is the creation of a new Private Rented Sector (PRS) Database. Published government information confirms that, from late 2026, the PRS Database and supporting guidance will begin rolling out regionally, and landlord sign-up becomes mandatory. This article […]
Raising Capital from a Buy-to-Let Remortgage: when it works, when it doesn’t, and how to plan it properly
Thinking about raising capital on a buy-to-let remortgage? Here’s how landlords can plan it properly, avoid delays, and keep the numbers sustainable. Why landlords raise capital (and why it needs a plan) For many landlords, a remortgage isn’t just a renewal — it’s a chance to release funds and use them more strategically. Common reasons […]