Welcome to your monthly property update!

Welcome to your monthly property update!




July reset: Getting your home ready for August

 



4am Kru x Mungos x Sinai x Electrikal: Halloween - Wall of Death | 31st October 2025

Three of the UKs most revered sound systems converge beneath Bristols streets.

 

Click here to read 4am Kru x Mungos x Sinai x Electrikal: Halloween - Wall of Death | 31st October 2025.



Help to buy, shared ownership & beyond: What schemes are available in 2025

Help to Buy, shared ownership, mortgage guarantees and more - what’s really available now? 

Click here to read Help to buy, shared ownership & beyond: What schemes are available in 2025.



Your legal checklist for letting this year

 

With lettings law continually evolving in England, 2025 is shaping up to be another year where being a proactive landlord pays off. Staying compliant isn’t just about ticking boxes—it’s about protecting your income, your investment, and your peace of mind.

Whether you manage your own properties or rely on an agent, this year’s changes and updates deserve a closer look. Below is your essential legal checklist, designed not just to keep you out of trouble, but ahead of the game.

1. Reform-ready mindset: Renters (Reform) Bill
While not yet law, the long-anticipated Renters Reform Bill is progressing. The proposed abolition of Section 21 ‘no-fault’ evictions is front and centre. Although transitional protections are likely, reviewing your approach to tenancy management now is wise. A robust Section 8 procedure, clear communication, and well-documented tenancies will be essential.
Forward-thinking landlords are beginning to document tenant interactions carefully to avoid disputes when Section 21 disappears. It’s not over-preparing—it’s future-proofing.

2. EPC minimum rating: is your property ready for ‘C’?
Although delayed, the government’s target to make all rental properties EPC band C or above by 2028 remains on the horizon. Tenants are increasingly energy-savvy.
Start with a low-cost energy audit and identify improvements—LED bulbs, insulation top-ups, thermostatic radiator valves—that are affordable now and scalable later. Funding schemes and green finance options may reopen this year.
A higher EPC doesn’t just keep you compliant; it’s a growing search filter for tenants on portals like Rightmove and Zoopla.

3. Carbon monoxide alarm regulations: new rooms, new rules
As of October 2022, regulations require carbon monoxide alarms in any room with a fixed combustion appliance, including gas boilers. Many landlords have yet to fully implement this.
Install alarms in all rooms with gas appliances, even if not currently required. It’s safer, and you won’t be caught short should guidance tighten.

4. HMO licensing: keep pace with local changes
Licensing isn’t static. Several local authorities are expanding Additional and Selective Licensing schemes. These can affect landlords who previously fell outside standard HMO definitions. Always check with your local council, especially if your property houses three or more people forming more than one household.

5. Right to Rent: digital checks now permitted
You can now use digital ID verification for Right to Rent checks via certified Identity Service Providers (IDSPs). This streamlines the process but doesn’t remove your responsibility. Ensure whoever conducts your checks is qualified and uses approved software.

Being legally compliant isn’t just about meeting standards—it signals to tenants that your property is a place they’ll be safe, secure, and respected. That reputation attracts longer tenancies and fewer voids, which feeds directly back into yield.

Let’s review your legal essentials together.

Contact us today for expert guidance on 2025 compliance.



Should you sell or let? Deciding what’s right for your property

 

The Decision That Shapes Your Property’s Future

One of the most significant decisions a property owner will face is whether to sell or let. Whether you're relocating, downsizing, or just assessing your long-term options, both paths have their advantages and drawbacks. With the right insight and a clear understanding of your goals, making the best choice can be simpler than you think.

Here’s a look at the pros and cons of selling versus letting to help guide your decision.

Selling: Free Up Equity, Move On

The pros:

  • Immediate cash return: Selling your property gives you immediate access to the full sale price, which can be used for reinvestment, paying off debts, or funding your next purchase. If you're looking to downsize or move on quickly, selling provides the capital to do so.
  • No ongoing responsibilities: Once you sell, you’re free from maintenance, tenant management, and property upkeep. No more worrying about repairs, tenant disputes, or upkeep.
  • Market timing: If property values are high and demand is strong, it could be the right time to sell. This could be especially beneficial if interest rates or market conditions are favourable for a fast sale.

The cons:

  • Missed long-term gains: Selling means you lose the opportunity to earn rental income or benefit from future property value increases. If the market continues to rise, you could miss out on long-term wealth-building opportunities.
  • Selling costs: Estate agent fees, conveyancing costs, and potential capital gains tax (depending on your circumstances) can eat into your profits.
  • The uncertainty of the next step: Once your property is sold, there’s no guarantee you’ll find the right home or investment immediately. Renting or buying in the future may be more expensive depending on market conditions.

Letting: Earning Income While Retaining Ownership

The pros:

  • Steady rental income: Renting out your property provides a steady stream of income, which can supplement your salary or fund future investments. This can be a great option if you’re seeking long-term financial security.
  • Property value appreciation: If your property increases in value over time, you can sell it later at a profit while continuing to receive rental income in the meantime.
  • Flexibility: Renting gives you the option to return to the property later if necessary. You also have the option to let long-term and sell at a future date when the market aligns with your goals.

The cons:

  • Management responsibility: As a landlord, you’ll be responsible for finding tenants, managing contracts, and handling maintenance. This can be time-consuming, especially if you have multiple properties or live far from the rental.
  • Risk of tenant issues: Even with the best tenants, there’s always a chance of missed rent payments, disputes, or property damage.
  • Maintenance costs: As a landlord, you must maintain the property, ensuring it’s habitable. Additionally, if the property is vacant for any period, you still bear the costs of upkeep without rental income.

Which is Right for You?

There’s no one-size-fits-all answer. Consider these factors before making your decision:

  • Financial goals: Do you need immediate cash from a sale, or are you looking for long-term income? Selling is better if you need cash immediately, while letting offers ongoing income.
  • Property location and market trends: High rental demand may make letting more lucrative, but if property prices are strong, selling may provide the best return.
  • Time and commitment: If you’re not ready to manage tenants and maintain a property, selling may be simpler. Letting involves more work but could lead to a higher return over time.
  • Long-term vision: Letting offers flexibility to hold the property for future growth, while selling releases capital for your next move.

Not sure whether to sell or let your property?

Get expert advice tailored to your specific goals and circumstances.

 

 



HMO – RRB will clamp down on unlicensed properties

 


If you’re letting a House in Multiple Occupation (HMO) without the right licence, the upcoming Renters’ Rights Bill (RRB) should set alarm bells ringing. Expected to become law later this year, the Bill strengthens enforcement powers and penalties to tackle unlicensed properties, particularly HMOs, in a way we haven’t seen before.

1. Why HMOs are in the Spotlight
HMO properties rented by three or more unrelated tenants who share facilities must meet higher safety, space, and management standards than standard rentals. Licensing is already a legal requirement in most cases, but some landlords take their chances. The RRB aims to make that gamble far riskier.

2. Stricter Licensing Enforcement

  • National landlord database: Every landlord will have to register. Letting without registration will be an offence in itself, making it harder for unlicensed HMOs to fly under the radar.
  • Local authority powers: Councils will get stronger investigation and enforcement tools, including data sharing across departments to track down non-compliant properties.
  • Public transparency: Tenants will be able to check if their landlord and property are licensed before they move in.

3. Harsher Penalties for Non-Compliance
The Bill significantly raises the stakes: civil penalties up to £7,000 for first offences, rising to £40,000 for repeat breaches. Tenants could reclaim up to 12 months’ rent through rent repayment orders, and serious or persistent offenders may face banning orders from letting altogether.

4. Tighter Safety and Quality Standards
The Decent Homes Standard will be extended to the private rented sector for the first time, alongside existing HMO safety rules:

  • Stricter requirements for fire doors, escape routes, and smoke/heat alarms.
  • Robust maintenance schedules for shared facilities.
  • Mandatory timelines for addressing hazards, mirroring Awaab’s Law on damp and mould.

 

5. What This Means for Landlords and Tenants
For landlords: There’s no longer a “low risk” in delaying your HMO licence application. The RRB creates a paper trail visible to both tenants and enforcement officers. Being proactive with compliance protects your income and reputation.
For tenants: These changes make it easier to verify if your home meets safety and licensing requirements and gives you stronger grounds to challenge poor conditions or illegal lets.

The RRB isn’t just tidying up tenancy rules; it aims to create a rental market where unlicensed, unsafe HMOs have nowhere to hide. For compliant landlords, it levels the playing field. For tenants, it raises the quality bar.

Get licensed now and stay ahead of the RRB crackdown. Contact us today for expert guidance on HMO compliance.



Uk inflation and interest rates: a positive outlook for the property market

 

Understanding the Current Economic Landscape
As of June 2025, the UK’s inflation rate stands at 3.6%, slightly above the Bank of England’s target of 2%. This uptick is primarily driven by rising food prices and higher transport costs, with food inflation reaching 4.5% in June. While these figures indicate ongoing inflationary pressures, they also reflect a stabilising economy compared to the peaks experienced in 2022. As inflation gradually stabilises, the cost of living may become more manageable, allowing consumers to adjust their spending behaviours.

The cost of living remains a concern, but the economy is showing signs of recovery, which is encouraging for homebuyers and investors looking to navigate this period of high inflation.

Interest Rates: A Shift Towards Affordability
In response to economic conditions, the Bank of England announced on 7th August that base interest rates would be cut from 4.25% to 4%. This marks the fifth rate cut since August 2024, reflecting a shift towards more accommodative monetary policy. Lower interest rates can significantly reduce the cost of borrowing, which may ease financial pressure on homebuyers and investors alike.

For prospective homeowners, reduced mortgage rates mean more affordable monthly repayments, thus improving the potential for purchasing a property. The recent interest rate cuts have brought the cost of mortgages closer to more manageable levels for many buyers, making the dream of homeownership more achievable.

Furthermore, these reduced rates could spur activity in the property market, as buyers may be more likely to enter the market when mortgage terms are favourable. As mortgage interest rates decrease, it makes sense for buyers to consider the advantages of locking in lower rates, especially before potential future rate increases.

Implications for the Property Market
The combination of manageable inflation and decreasing interest rates creates a favourable environment for property transactions. Buyers who may have hesitated due to higher mortgage costs in previous years might now find more appealing opportunities. This is especially true for those looking to secure a first home, as affordability improves, and reduced mortgage rates can make a significant difference in long-term costs.

On the investor side, these conditions can lead to improved ROI, especially in rental markets. As the property market stabilises, property investors may find new opportunities in both residential and commercial sectors, particularly in areas that were previously considered too expensive. As borrowing costs decrease, it increases the overall attractiveness of property as an investment, leading to growth in the buy-to-let market.

Moreover, the gradual economic recovery may support steady demand in both residential and commercial property sectors. As interest rates come down, demand for housing is expected to increase, providing opportunities for sellers to capitalise on a more stable market. Homebuyers who were holding off on making a purchase may now feel more confident in entering the market.

Conclusion
While inflation remains a consideration, the anticipated interest rate cuts and overall economic stabilisation offer a positive outlook for the UK property market in 2025. These changes make property more accessible for first-time buyers, and they create better opportunities for investors, particularly in areas with solid rental demand.

The current climate presents a balance between low borrowing costs and steady inflation levels, creating a welcoming environment for buyers and investors alike. For those looking to enter or expand within the property market, now may be an ideal time to make a move.

For personalised advice and insights into the current property market, contact us today and make the most of these market opportunities!