Adverse Credit and Mortgages: A setback does not always mean no.
A missed payment, default or County Court Judgment does not automatically prevent someone from obtaining a mortgage. It can, however, affect which lenders will consider the application, the deposit required, the available interest rates and the evidence needed. The phrase “adverse credit” covers many different circumstances. An isolated missed mobile-phone payment several years ago is […]
Leasehold Charge Reform: What Landlords Need To Prepare For Before 2027
Landlords who own leasehold flats, manage blocks, sit on resident management companies or hold freehold interests in rented buildings need to pay close attention to the Government’s latest leasehold reform announcement. The changes are not simply another political statement about leasehold reform. They are part of the wider implementation of the Leasehold and Freehold Reform […]
Should Landlords Remortgage to Release Equity?
For many landlords, equity in a rental property can feel like a useful resource. If a property has increased in value, or if the mortgage balance has reduced over time, there may be capital tied up in the property. Some landlords may consider releasing that equity to fund another purchase, carry out refurbishment, strengthen cash […]
Case Study: How One Landlord Saved £12,000 Through Remortgaging
At NetRent, we often say that the biggest cost to landlords isn’t repairs, voids, or even tax — it’s staying on the wrong mortgage deal for too long. To prove the point, here’s a real-life case study of how one landlord saved £12,000 over five years by remortgaging at the right time. Meet […]
Property Tax in the Spotlight: What Landlords Need to Know
In the run-up to the Autumn 2025 UK Budget, speculation about property taxation has intensified. One of the most striking rumours is the possible introduction of a National Insurance (NI) levy on rental income, a move that would represent a fundamental shift in how landlords’ earnings are treated for tax purposes. If adopted, this change […]
Landlord Horror Stories: What Happens Without the Right Cover
Most landlords understand the need for insurance, but some try to cut corners. Maybe it’s to save money on premiums. Maybe it’s the mistaken belief that “nothing bad will happen.” Or maybe it’s just assuming a home insurance policy is “good enough.” The reality? Disasters do happen — and when they do, the wrong cover […]
Government Sets 2030 Deadline for Landlords to Boost Energy Efficiency
Landlords across the UK have been mandated to upgrade their rental properties to achieve an Energy Performance Certificate (EPC) rating of ‘C’ by 2030, a significant move announced by Ed Miliband, the Energy Security and Net Zero Secretary, in a recent House of Commons session. Mr Miliband highlighted that this directive is a cornerstone of […]
Rightmove Criticizes Leaders for Ignoring Housing Crisis in TV Debate
In a scathing critique, property portal Rightmove has lambasted Prime Minister Rishi Sunak and Labour leader Sir Keir Starmer for neglecting to address the critical housing crisis during their first televised election debate. The head-to-head clash, broadcast live on ITV, focused primarily on the cost of Labour’s pledges, leaving housing issues largely unmentioned. Housing Overlooked […]
Mortgage Rate Surge Dampens UK Property Market Recovery
The resurgence of the UK’s property market has been dealt a blow by a significant surge in mortgage rates, with lenders persistently raising costs for aspiring homeowners. According to a survey conducted by The Royal Institution of Chartered Surveyors (Rics), new home buyer inquiries experienced a setback in April following three consecutive months of growth. […]