Landlord Guides
The Annual Landlord Review: Twelve Checks, One Afternoon
Most properties run on assumptions between purchase and problem. Twelve checks, once a year, that replace them with answers — and the three verdicts every property gets at the end.
Replacement of Domestic Items Relief: What You Can Claim When the Sofa Goes
The relief that replaced wear and tear: what counts as a movable domestic item, why boilers are claimed differently, how the like-for-like rule works on an upgrade, and the records to keep.
Stress-Test Your Rental Before the Rate Does It for You
One ordinary buy-to-let, three tests: the rate, the rent, and the things that break. Why a 7.67% gross yield can still lose money, and the three numbers worth knowing in advance.
When Your Buy-to-Let Fixed Rate Ends: Product Transfer or Remortgage?
Three things can happen when a fixed rate ends, and only two of them are decisions. The real cost of drifting onto the SVR, the rental cover test, and the six-month timeline.
Making Tax Digital for Landlords: Who's In, When, and What Changes
Four short updates a year instead of one January scramble. Who is in from 2026, 2027 and 2028, why qualifying income means gross rent, and the records it all rests on.
Rent Guarantee Insurance: What It Covers, What Voids It, Whether It Pays
The cover pays only if you did several things before the tenant ever moved in. What voids a claim, why the legal expenses half is often worth more than the rent half, and the arithmetic for self-insuring instead.
Damp, Mould and Disrepair: The Complaint That Becomes a Claim
Three kinds of damp, only one of which is arguably the tenant's doing. How to answer the report, why the lifestyle defence usually fails, and the timescales heading for private landlords.
Capital Gains Tax When You Sell a Rental Property
The bill arrives years after the decisions that set it. What counts as an allowable cost, why improvement invoices matter decades later, and the reporting deadline that catches sellers out.
Section 8 Possession Grounds: Which One Applies, and What It Requires
Every possession claim in England now runs through Section 8 on a stated ground. Mandatory versus discretionary, the three-month arrears rule and the trap inside it, and the paperwork that defeats a strong ground.
The Renters' Rights Act: What Actually Changed on 1 May 2026
Section 21 is gone, fixed terms are gone, and rent rises are once a year. What the Act changed for landlords in England, what it did not, and the document you were supposed to serve by 31 May.
Student Lets: Higher Yield, Different Rules
Student property advertises a yield most landlords cannot match. The academic calendar, the summer void, the guarantor structure and the bills-included arithmetic decide whether that yield survives contact with reality.
The Landlord Tax Return: The Records That Make January Painless
Nobody struggles with the tax return itself. They struggle with reconstructing a year of records in a fortnight. The four documents, the ten minutes a month, and the repairs-versus-improvements line that costs the most.
Tenant Referencing Services: What They Check, What They Miss, What They Cost
A reference is a set of records, not a verdict. What the tiers actually check, the three things no reference will ever tell you, and how to read a pass with conditions.
Buying Through a Limited Company: The Trade-offs Behind the Tax Headline
Company ownership solves one problem and creates several. The costs nobody mentions, when it genuinely wins, and why moving existing properties rarely works.
Mortgage Interest and Your Tax Bill: Why the Payment Is Not the Expense
Only the interest portion of a mortgage payment has any claim to be an expense - and in some countries not even that. How to split it, and why it matters.
Safety Certificates: The Compliance Calendar Every Landlord Needs
Which certificates a let property needs, how often, and why a lapsed one can invalidate a notice you serve years later.
When the Rent Stops: What to Do in Week One
The first fortnight decides how most arrears end. What to do on day two, what a payment plan should contain, and the three things that make it worse.
Landlord Insurance: What You Actually Need (And What You Do Not)
Why a normal home policy is void the day you let the property, which covers are worth paying for, and the exclusions that void a claim.
What Is an HMO, and Is the Extra Yield Worth It?
HMOs produce higher gross yields and carry obligations single lets do not. The arithmetic, the licensing, and the workload nobody warns you about.
Buying Your First Rental Property: The Checks to Run Before You Offer
What to work out before you make an offer on a first rental: the true cash needed, the arithmetic that decides the deal, and the checks that reveal a bad one.
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