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What the Renters' Rights Act means for you: From the end of 'no fault' evictions, to a limit on rent rises - the huge shake-for tenants and landlords

Renters' Rights Act becomes law - what it means for tenants and landlords

The sweeping set of reforms mean landlords will no longer be able to carry out so-called 'no-fault' evictions and so cannot get rid of tenants without good reason. But the law gives renters the right to end tenancies with two months' notice and enables them to better challenge poor conditions and unreasonable rent increases without fear of retaliatory eviction.

Rents reach record high as tenants now shell out 44% of their pay on a home as affordability remains 'very stretched'

Rental costs for tenants have reached new record highs, with tenants shelling out 44% of their pay on rent.

Leasehold reform edges closer as freeholders lose High Court challenge: What's next for the 4.5million affected?

We look at what this latest development means, what leasehold reforms are tabled, and when they are likely to happen.

Is now the right time to buy my first buy-to-let - and is the north of England a good bet?

Is now a good time to buy my first buy-to-let in the north of England?

I'm in my early thirties and am in the early stages of considering buying my first buy-to-let property. I already own a small flat in the south of England which I live in. I've read that buying a property in the north of England could be a good investment and provide me with strong returns. Is now a good time to enter the buy-to-let market? What factors should I take into consideration? I've seen reports about changes coming in, but haven't delved into the details yet.

My landlord wants me to sign a two-year rent contract: Will I be able to get out of it once the Renters' Rights Bill has passed?

My landlord wants me to sign a two-year rent contract. If I did, would I be able to exit it without any penalties once the new tenant rights bill becomes law?

The rise of the millennial landlord: Record numbers enter buy-to-let, despite struggling with the housing ladder themselves

Three-quarters of shareholders in new buy-to-let businesses this year were born between 1981 and 1996.

Rents FALL by £2,148 a year in London as landlords try to sell ahead of new tenant rights legislation - but find they can't

Rents FALL in London as landlords struggle to sell up ahead of Renters' Rights Bill

London tenants are seeing rents fall, data shows, as landlords fail to offload their properties before renters are handed new rights. The Renters' Rights Bill, which is set to become law in early 2026, will put tighter restrictions on landlords' ability to evict tenants and raise rents. Some landlords are reported to be trying to sell properties ahead of the new rules, which experts had warned that this could lead to a dearth of properties to rent. However, now it appears many are struggling to sell, and are having to limit rent rises in order to keep their tenants.

As almost one quarter of flats sell at a loss, why have home buyers fallen out of love with leasehold?

A growing number of flat owners are being forced to sell their homes for less than they paid for them, as appetite for single-storey homes appears to wane.

Buyers still willing to pay a premium to live close to train stations in major cities despite rise of working from home

Buying within 500 metres of a train station in a major city could cost tens of thousands of pounds more than buying just 1km further away, a study has revealed.

Landlords have been squeezed and now Chancellor could be planning ANOTHER profits raid, so is it game over for buy-to-let?

As Chancellor plans another profits raid... Is it game over for buy-to-let?

An investment that once would have provided a tidy income and been a growing asset has become an increasing burden. And things look likely to get a whole lot worse. New rules set to come into force in the next few years will heap even more costs and red tape on to a sector that is already under pressure. And rumours are swirling that measures in the Autumn Budget could deal another blow to landlords.

Lack of homes to let sees rents soar to record high of £1,577 a month as tax and costs squeeze forces landlords to sell up

Rental costs across Britain soared to a record high in August as limited supply bolstered monthly payments, new data reveals.

House price forecast slashed by upmarket estate agent as oversupply of homes and pre-Budget nerves bite

One of Britain's biggest property firms has once again downgraded its forecasts for future house price growth.

Will there be a landlord tax raid? What Rachel Reeves' National Insurance plan could mean for owners of buy-to-lets

Landlord tax raid: What Rachel Reeves' National Insurance plan could mean for buy-to-lets

Landlords will be alarmed by reports the Government is considering unleashing yet another tax raid upon them by imposing National Insurance on rental income. Treasury officials are said to be looking at charging National Insurance on property earnings as they scramble to plug a £50billion fiscal black hole. We explain what taxes landlords currently pay, and what they could face under the new proposals.

Angela Rayner tax row: Experts explain how stamp duty works on second homes - and what falls foul of the rules

We explain the rules around stamp duty and how much people pay on second homes - and get expert views on Rayner's situation.

House prices up £9,000 in the past year official data shows, with homes in the North East rising nearly 10 times faster than London

The typical home has risen in value by £9,000 over the past year, according to official figures.

Trustpilot for landlords? Buy-to-let owners to be forced to join a register tenants can check - here's how it would work

Landlords may soon need to sign up to a national database that will be visible to councils and tenants, if a controversial piece of legislation goes through. The rental sector is on the cusp of the biggest shake-up to date when the Renters Rights Bill becomes law either later this year or early in 2026. One of its key reforms is a national private rented sector database that will require every landlord in England to register and list details of every property they let.

New build prices PLUMMET - with one region seeing homes drop £43,000 in a year as developers struggle to sell

Experts suggest that there is a growing disconnect between what developers charge for new build homes, and what buyers are willing to pay.

House prices are falling say estate agents - but it's a mixed picture across Britain

House prices are falling, according to the latest survey by the Royal Institution of Chartered Surveyors.

I'm a property expert and this is what will happen to house prices: Rob Dix on mortgage rates, buying tips and his best ever investment

I'm a property expert... Rob Dix on house prices, mortgage rates, buying tips and his best

Each month we will put a property expert through their paces. This month we spoke to buy-to-let investor Rob Dix, co-founder of Property Hub, co-host of The Property Podcast and a bestselling author. We wanted to know his view on the future of house prices, mortgage rates, buy-to-let and housebuilding. We even asked Rob about his best ever property investments.

Safe as houses? Not any more: Economists say golden age of house price growth is over and shares provide better returns

The researchers assessed the performance of stocks and shares versus house prices over the past century, and found investing is now winning out.

Record number of buy-to-let mortgage deals available to landlords as average two-year rates drop below 5% for first time since 2022

Landlords are being spoilt for choice with the number of buy-to-let mortgages rising to a record high, according to new figures.

The new house price hotspots revealed: Why locations like Wigan, Blackburn and Falkirk are seeing the biggest rises

Why Wigan, Blackburn and Falkirk are the new house price hotspots

An element of 'scarcity' in the market is pushing up house prices faster in more affordable locations, data shows. With fewer homes being listed in some cheaper areas, locations like the West Midlands and Scotland are seeing 'above-average' annual price growth of two to three per cent, Zoopla said.

Rental price boom is over, says Zoopla - but agents warn of more pain for tenants if landlords continue to sell up

The average monthly rent now stands at £1,287, up £35 over the past year, with price inflation running at its lowest since July 2021.

I want to motivate our estate agent: Can I offer them a £1,000 bonus to sell our home quickly and for the best price?

I want our home to be the number one priority - is it unethical or even illegal to offer a cash incentive to the agent that sells it?

A third of Britons want to own a buy-to-let... but is it REALLY still a good idea? What hopeful landlords need to know

A third of Britons want to own a buy-to-let... but is it still a good idea?

Britons still aspire to own a buy-to-let property according to a new survey, despite rising taxes, tougher regulations and reports the market is in decline. While many landlords have done well in recent decades, the investment case to buy-to-let is being questioned more than ever. So why do a third of Britons still aspire to own a buy-to-let property?

Property expert Phil Spencer on what next for house prices and mortgage rates - and why his first £160,000 flat in Battersea was his best investment

This month Phil Spencer takes on our quickfire property questions and gives his views on the current state of the market.

I'm an auction expert - here's four types of property savvy buyers are snapping up right now from short-lease flats to beauty spot bargains

From flats with short leases to bargain homes in beauty spots, we find out what's causing bidding wars in the auction room.

EXCLUSIVEWhen are rents cheapest? The best months to bag a bargain in London, including one when tenants could agree a let for up to 20% less

When are rents cheapest? The best months to bag a bargain in London, revealed

Renters could save themselves hundreds of pounds by moving home during certain months of the year, data shared with This is Money reveals. The autumn and winter months are generally the cheapest time to sign up to a new tenancy agreement, according to data crunched by analytics firm TwentyCi.

Buy-to-let mortgage rates plummet as lenders including HSBC, NatWest and Nationwide make cuts and some landlord deals go below 3%

Landlords are benefiting from a spate of mortgage rate cuts, with brokers suggesting now could be a good time to lock in a new deal.

House prices rise almost £3,000 in a month despite stamp duty rise, says Nationwide - and are closing in on the August 2022 peak

Property values are 3.5% higher than a year ago and are closing in on the August 2022 peak, when they hit £273,751.

Buy-to-let thriving in the North - here's the hotspots where landlords are still investing including one area where they snap up 50% of homes

Buy-to-let continues to thrive in the north of England, according to analysis by the estate agent Hamptons. A record 39 per cent of buy-to-lets purchased so far this year were in the Midlands or North of England, up from 34 per cent in 2022 and up from 24 per cent in 2007 when its records began. But while the focus of buy-to-let investors is clearly moving northwards, the sector as a whole is clearly struggling.

EXCLUSIVEDemand for student digs and plush offices helping buoy commercial property 'revival'

Having grappled with inflationary pressures and a 'punitive tax regime', commercial real estate is 'turning a corner', findings from Together seen by This is Money suggest.

Central London property prices have crashed and 'nobody wants to talk about it' warns buying agent

Home sellers in central London are facing a reality check that few of them want to accept - their properties may well be worth less than what they paid for them.

HMRC rule change set to catch-out landlords: Thousands will soon need to report rents every three months

HMRC rule change set to catch-out landlords: Thousands will soon need to report income and

Landlords are being urged to prepare for a major overhaul in how they report their income to HMRC. From 6 April, those earning over £50,000 from self-employment or property income will need to start making quarterly submissions to the taxman. This is part of HMRC's shift towards digital record-keeping - what it is calling Making Tax Digital (MTD) for Income Tax.

The best buy-to-let mortgages for landlords: Should they fix or risk a tracker?

We share the best buy-to-let mortgage rates for both personal name and limited company mortgages. These rates were the best deals sourced as of 30 April 2025.

EXCLUSIVEHow much has rent shot up in YOUR area? Interactive map reveals 113 areas where bills soared 50% in a decade

Rental prices have rocketed 50 per cent in parts of the country in a decade, shock analysis shows.

Rents hit new record high - but a QUARTER of properties have their asking price cut before they find a tenant, says Rightmove

Rents hit new record high - but a QUARTER of properties have asking price cut says

Rents have hit a new record high, according to the latest figures from Rightmove. The average advertised rent of homes outside London has reached £1,349 a month, according to the property portal. However, the market is less frenetic with average rents recording the smallest increase at this time of year since 2020, the property website said. As more homes to rent hit the market, landlords are having to reduce the asking rent to find a tenant, the figures suggest.

Treasury raked in £1.4BILLION in stamp duty in March as home buyers raced to complete before costs jumped

Homebuyers rushed to complete their property purchases in March ahead of the stamp duty deadline, new figures have revealed.

I've inherited a house from my uncle but it needs work before it can be sold: Will I have to pay double council tax?

My siblings and I have inherited our uncle's house and are planning to sell it. Do we have to pay double council tax, as it's technically a second home?

Are landlords back in the game? Spike in buy-to-let investors borrowing to buy properties as rents soar

Spike in landlords borrowing to buy properties as rents soar

Mortgage borrowing by landlords jumped at the end of last year, as more looked to purchase new rental properties. This comes in contrast to reports of more landlords selling up , as a result of higher taxes, interest rates and tightening regulation. UK Finance data shows that in the final three months of 2024, there were 52,648 new buy-to-let mortgages, worth £9.6billion.

Death of the second home: Will higher stamp duty and council tax destroy the middle-class dream?

Extra stamp duty and council tax levied on second properties could mean the sums no longer add up for many Britons.

Overseas property buyers in UK hit record low due to Brexit, stamp duty and non-dom tax hike

The proportion of overseas buyers registering with Countrywide group estate agents fell to its lowest level on record at the start of this year.

Where are house prices rising most? This Lancashire borough saw a 12% spike in a year - while two London districts suffered 17% falls

Where are house prices rising most? This Lancashire borough saw 12% spike in a year

Estate agent Hamptons has crunched the latest Office for National Statistics data and revealed that one area in Lancashire has seen prices rise 12% year-on-year. Conversely, two areas in London have seen values fall more than 17% in that time. Nine out of the 10 local authorities with the biggest house price growth are in the midlands, north of England or Scotland, with only one area in the south of England featuring on the list.

Homes in Britain are getting MORE affordable, according to these three key measures (but they are still expensive)

Comparing house prices, wages, mortgage costs and rents suggests it may be easier to get on the property ladder than in the recent past.

It's a buyers' market! There's been a deluge of homes listed for sale in recent weeks and house price growth slows

The property market is being swamped with listings, according to the latest house price data from Zoopla.

Could landlords face ANOTHER stamp duty rise in the Spring Statement? Property expert Phil Spencer warns it would be a 'bitter blow'

Rachel Reeves could lump further tax misery on landlords this week by once again raising the stamp duty surcharge on second home buyers. On Wednesday, the Chancellor will present her Spring Statement to Parliament. During the £40bn tax grab in the Autumn Budget, she delivered a sucker punch to second home buyers and landlords by increasing their SDLT rates.

HSBC offers landlords mortgages with just a 20% deposit... but will they be able to pass the affordability checks?

Lower-deposit mortgage options for landlords are on the rise, but they might find it is difficult to get approved for one.

Number of buy-to-let limited companies passes 400,000 as landlords look to cut tax

The number of companies holding buy-to-let property in the UK has passed 400,000, according to analysis of Companies House data by Hamptons.

EXCLUSIVESpike in landlords putting properties up for sale as tougher rules, expensive mortgages and taxes bite

Spike in landlords putting properties up for sale as tougher rules, mortgage hikes and

The number of properties sold by landlords to owner occupiers spiked at the start of this year, according to data shared with This is Money. It shows the proportion of landlords listing property for sale at the start of this year jumped by almost 50% compared to last year. Experts put the landlord exodus down to a combination of higher mortgage rates, proposed changes to legislation such as the Renters' Rights Bill and higher taxation.

Nowhere near net zero homes! Energy performance ratings in England are dire... here's where they are worst

More than half of properties in England fall below the C energy performance certificate rating which landlords will be required to meet by 2030, findings suggest.

The eco bombshell for landlords that could cost £15,000 for EACH home that doesn't meet efficiency standards

Energy Secretary Ed Miliband last week announced that all privately rented properties must have an EPC rating of C by 2030.

Labour to make landlords meet green energy targets by 2030 or face a ban letting them out - and millions of homes need upgrades

Landlords in England and Wales must ensure their homes meet energy efficiency standards or face a ban on renting them out, under a new Labour plan. Deputy prime minister Angela Rayner and energy secretary Ed Miliband today announced a consultation on plans to require an energy performance certificate (EPC) rating of C in all privately rented homes by 2030. They are currently required to have an EPC rating of E. Labour said that doing so could reduce the average tenant's energy bill by £240 per year, as well as improving the general quality of rented homes. However, landlords are concerned about the cost of carrying out upgrades to their properties in order to meet the targets, which could run into thousands.

Property asking prices edge up AGAIN - but looming stamp duty hike and glut of homes makes life hard for sellers

Property asking prices rose on average by £1,805 this month, according to the latest figures from Rightmove.

House prices are up over 500% since the turn of the millennium in some areas: Do you live in one of them?

House prices in some places have increase by more than 500% since the turn of the millennium.

Rents fell at end of 2024 for the first time in FIVE years, says Rightmove as tenants avoid moving home to save cash

Rents fell at end of 2024 for first time in FIVE years as tenants avoid moving home to

Typical asking rents outside of London have gone down rather than up for the first time in 19 consecutive quarters, the property portal said. Average rents fell in the last three months of 2024 for the first time since 2019, as cash-strapped tenants stay put to avoid the expense of moving.

UK interest rates will fall faster and further than markets expect, two giant US banks predict

The Bank of England is likely to cut interest rates far further and faster than markets are currently expecting, according to two giant US banks.

The best buy-to-let mortgages for landlords: Should they fix or risk a tracker?

We share the best buy-to-let mortgage rates for both personal name and limited company mortgages. These rates were the best deals sourced as of 10 January 2025.

The amount under-45s pay in rent surged by billions of pounds last year as landlords passed on higher mortgage costs

Amount under-45s pay in rent surged by billions last year as landlords pass on higher

The amount of rent paid by under-45s has risen 59% over the last decade, according to fresh data. Those under the age of 45 now pay two-thirds of all rent in Britain, according to analysis by Hamptons of the latest English Housing Survey. The withdrawal of Help to Buy in March 2023 and rising mortgage rates have seen more younger people entering the rental market.

If we pick the cheapest estate agent to sell our home, how can we incentivise them to get the best price?

We have had three estate agents over to value. We are thinking of choosing the one that is only going to charge 1%. Should we?

Asking prices rise £6,000 in a MONTH - but glut of homes being put up for sale means 2025 is a buyer's market

Price rises may begin to slow soon, the portal said, as a record number of sellers have put their home on the market since Boxing Day.

From charging higher rents, to paying more stamp duty and contending with the Renters' Rights Bill - this is what landlords can expect in 2025

What landlords should expect in 2025: Higher rents, more stamp duty and the Renters'

As we start the new year, landlords may well feeling that the twelve months stretching out ahead of them are a bit of a mixed bag. We look at the five big issues landlords will have to contend with in 2025 - and how the rental market could look at the end of the year.

Landlords could face cap on rent rises under amendment to Labour's Renters' Rights Bill

The proposed changes would limit rent increases to the lowest of either inflation or average wage growth.

I took a pension lump sum: Should I use it to pay off my £117,000 buy-to-let mortgage or save it for the future?

Should I use the lump sum now to cut out mortgage payments on my buy-to-let, or leave the cash to hopefully grow in value for the future?

Rents are up £3,240 annually compared to three years ago with number of homes to let 'scarce'

Renters are paying £270 more each month than they were three years ago, according to figures released by Zoopla. The property portal revealed the average annual cost of renting now stands at £15,240, an increase of £3,240 compared to three years ago. This means that the typical tenant has seen a 27 per cent increase in the cost of renting since November 2021 - outpacing the 19 per cent growth in earnings over the same period.

Will house prices rise in 2025? We reveal the nine forecasts that matter - and which is most likely to be right

House prices have once again defied expectations in 2024, as they did in 2023.

Good time to buy? Asking prices for newly listed homes falls by £12k in two months, says Rightmove

Newly listed asking prices have fallen by almost £12,000 over the last two months, according to Rightmove.

Our letting agent is charging us a £400 remarketing fee for leaving early despite our landlord giving us the okay - is it legal?

Our letting agent is charging us a £400 remarketing fee for leaving our tenancy early - is

We were under the impression that these types of fees between agents and tenants were banned. Can they charge us this? It seems a total farce - won't the landlord need to pay them a re-letting fee anyway for finding a new tenant? What should we do? Should we ignore the letting agent and just move out on the agreed date with the landlord? Or should we pay the £400 remarketing the charge?

Is a global property crash coming in 2027? 'House price prophet' Fred Harrison - who predicted last two downturns - still thinks so

The man who predicted the last two property downturns says that prices are on course to peak in 2026, before they crash once again.

House prices reach new record high of nearly £300k with typical home now worth £15k more than a year ago, says Halifax

The mortgage lender recorded the biggest monthly increase of the year in November with average prices rising 1.4%.

Should I release cash from my home to a purchase a property and become a buy-to-let landlord?

Should I release cash from my home to become a buy-to-let landlord?

My five-year fixed mortgage deal ends during the first half of next year. I am confident the property has gone up in value during that time. My mortgage broker says that if that is the case, I could potentially withdraw up to £50,000 in equity and still be able to access the lowest rates available, so I'm tempted to borrow more and invest the money I take out in a buy-to-let. I can see that by switching to an interest-only mortgage on my home, I could cut the monthly costs to a level where I could easily cope. Would this be a sensible move, or am I missing something?

Bank of England governor expects FOUR interest rate cuts next year to take it to 3.75%: What it means for mortgage rates

The governor of the Bank of England has said there are likely to be four interest rate cuts next year as inflation falls away.

House prices record largest monthly gain in two and a half years and are now just 1% below all-time peak says Nationwide

Robert Gardner, Nationwide's chief economist, said the rise was down to improvements in household finances.

My landlord is demanding I pay a share of their £3,600 service charge: Is this normal in a rental agreement?

My landlord lives in the property with his partner and had me sign a tenancy agreement when he accepted my offer on the rental platform, Spareroom. That was all fine, except for the fact that my landlord sent me a bill recently for my share of the heating bills, council tax, water bill, Wifi, BBC tv licence and service charge. I was prepared to pay for most of these, but the inclusion of service charge has really thrown me as it's by far the biggest cost and I didn't realise I was liable to pay it.

House purchase mortgages reach two-year high, Bank of England data shows - so is the property market on the up?

Analysts said that the figures were taken before Labour's 30 October Budget, which may yet have an impact on the housing market.

House prices grew by just 1.5% this year, says Zoopla: What's next for property values in 2025?

House prices grew by 1.5% over the past year, according to Zoopla, thanks to a more stable mortgage market and rising incomes.

Should I sell my buy-to-lets and start drawing on my pension pot instead so that I don't get stung by inheritance tax?

I'm retired, should I sell my buy-to-lets and draw on my pension to avoid inheritance tax?

I am 67 and have two buy-to-lets. I use the rental income along with my state pension to fund my retirement. This means that I am not drawing much from my £500,000 pension pot, which I built up through work and then transferred to a Sipp at retirement. After the Budget announcement that pensions would be drawn into inheritance tax, I now have a much bigger inheritance tax liability. Should I sell my buy-to-lets to cash in the profits, forgo the income from rent and start drawing on my pension for my everyday spending instead?

House price growth set to fall in 2025 due to higher mortgage rates and stamp duty, say property firms

Property experts from both Zoopla and Knight Frank are predicting a slowdown in house price growth next year.

When will interest rates fall again? As inflation rises above 2% target - what experts forecast for rates

The Bank of England is expected to hold interest rates at its next meeting, after inflation rose above its 2 per cent target.

1 share When will interest rates fall again? Latest base rate forecasts

Our landlord increased our rent by £450 a month claiming 'market value' - but now he can't re-let it at that price: Was he wrong, and can we do anything?

Our landlord increased the rent twice in the last year adding £450 a month - can we do

We have lived there for two and a half years, and the landlord has put the rent up twice. A year ago, we started paying £250 more per month than we were when we moved in. For the last six months, we have been paying £450 more. Now we are moving and the landlord can't find another tenant who will pay the same price we did. Does that prove the second rent rise was unfair?

House prices are climbing slowly, says ONS - but interest rate worries could curb future growth

The average house price increased by 2.9 per cent in the 12 months to September, according to the latest figures from the Office for National Statistics.

Private rents set to rocket by nearly 20% over the next five years as demand continues to outstrip supply

A squeezed private rental stock is set to be overwhelmed by demand as beleaguered landlords shun the market due to raised mortgage costs.

'The cult of buy-to-let is dead': Rents to rise and landlords to quit due to Labour squeeze, property experts report

'The cult of buy-to-let is dead': Rents to rise as Labour squeezes landlords

Tenants will compete over fewer homes and pay ever-higher prices thanks to Labour's attack on landlords, according to a closely-watched survey of property experts. The latest survey from the Royal Institution of Chartered Surveyors reported that the number of available rental properties for let was dwindling while demand from renters rose. One said that rents 'must rise' as a result of the increased stamp duty for landlords announced in October's Budget, while another said 'The cult of buy-to-let is dead'.

Areas where rents have risen more than 40% in four years: Will costs continue to spiral for tenants?

Rental hotspots: These areas have seen monthly costs rise 40% in four years

Renters have endured a tough time in recent years, paying ever-higher prices as they compete for a declining number of available homes. The average property is now renting for £1,270 a month, according to Zoopla, with renters paying 34% more than they were four years ago. It means that in the most recent four years, rents increased almost ten times as much as they did in the previous four-year period. We look at why this happened, and whether the tide is turning.

House prices finally surpass 2022's pandemic peak to reach a record high of £294k, says Halifax

Lower mortgage rates and a more stable market have helped encourage more people to buy homes this year, driving prices up to a new peak.

House prices will grow £84,000 from now to 2029 with the North driving the boom, says Savills as it uprates forecasts

House prices will grow by £84,000 from now until 2029, according to the latest house price forecast from Savills.

How much stamp duty will buy-to-let investors and second home buyers pay after the Budget - and what if they're in the middle of a purchase?

How much extra stamp duty will buy-to-let investors and second home buyers pay after the

Chancellor Rachel Reeves delivered a sucker punch to second home buyers and landlords in the form of a fresh stamp duty hike. The changes come in straight away, meaning those in the process of buying a property may be wondering what to do. This is Money has found out what they need to know.

Budget buy-to-let stamp duty hike will cost landlords and second home buyers - and will it hit the property market?

Buy-to-let investors and second home owners to pay thousands more when they buy properties, as concerns raised that it could lead to higher rents for tenants.

House prices to rise in 2025, as buyers could get bigger mortgages and landlords' profits may improve

If the base rate falls to 3.5% next year as like some analysts are predicting, mortgage borrowers could find themselves able to borrow up to 18% more.

The best buy-to-let mortgages for landlords: Should they fix or risk a tracker?

The best buy-to-let mortgage rates for landlords: Should they fix or risk a tracker?

Buy-to-let landlords are being hit by higher interest rates, higher costs and a less friendly tax regime. Many have seen their mortgage costs spiral meaning they by and large will be hoping for falling interest rates just as much as homeowners and first-time buyers. There are roughly two million buy-to-let properties that have a mortgage attached, according to the trade association for the banking and financial services sector, UK Finance.

Surge in number of landlords setting up limited companies for their buy-to-let properties to cut tax

The number of buy-to-lets held in a company structure has increased 175% in the last decade.

Buy-to-let returns reach record high: Landlords enjoy bumper profits despite the gloom thanks to rising monthly rents

Flat house prices and rising rents have led to a spike in the yields enjoyed by buy-to-let landlords, according to Hamptons.

Buy-to-let landlords would be forced to shell out £23.4BILLION on Labour's green upgrades, warns Rightmove: Here's why government plans may fail

Landlords to shell out £23.4bn on EPC upgrades, says Rightmove: Here's why government

Almost 3 million rental homes will need to be upgraded to meet Labour's new eco targets, according to Rightmove. Last month, the government confirmed plans for all rented properties in England to have an Energy Perfroamnce Certificate (EPC) of C or above by 2030. The EPC is a rating scheme which bands properties between A and G, with an A rating being the most energy efficient and G the least efficient.

Majority of borrowers are fixing their mortgage for two years in hope rates drop - but experts warn they might be in for a surprise

Mortgage preferences have shifted from five to two years, as borrowers predict rates will fall by 2026 - but experts say they could remain static.

Interest rates will only fall to 3.75% next year, says Santander - days after Goldman Sachs' far spicier forecast

Interest rates will fall to 3.75% by the end of next year, Santander predicts - a huge gap compared to the Goldman Sachs forecast earlier in the week.

Selling a buy-to-let? This savvy move could recoup CGT, boost your pension... and shield you from Budget tax changes

How buy-to-let landlords selling up can recoup capital gains tax AND boost their pension

It has been suggested that the Chancellor, Rachel Reeves, will look towards CGT as part of her bid to fill a £22billion hole in the UK's finances - which is a worry for landlords selling their properties. However, they could consider paying the proceeds of their sale into a self-invested personal pension as a way to claw back their CGT loss on the sale and provide a boost to their pension in one fell swoop.

Should you set your buy-to-let up as a limited company to save tax? What landlords need to know

Should your buy-to-let be a limited company to save tax?

Setting up a company to hold buy-to-let properties is not without pitfalls and involves complexity but it can save some landlords money. As more landlords are choosing to hold their properties within a company structure, rather than owning them as an individual, we explain what you need to know.

42 shares Should your buy-to-let be a limited company to save tax?

No cut! Bank of England holds interest rates at 5% - what it means for YOUR mortgage and savings

We explain what the Bank of England's decision to stick at 5% means for your finances - and whether rates will be cut again soon.

House prices enjoy summertime boom as values rise by £4,391 in a month to reach record high, official data shows

House prices boomed between July and August, according to the latest figures from the Office of National Statistics.

Tenants in rent arrears set to rise: Landlords given warning as prices outpace people's incomes

Tenants in rent arrears set to rise, landlords warned - as prices keep going up

Landlords are being warned to ready themselves for increasing numbers of tenants falling into rent arrears. Rising rental prices continue to outpace growth in people's incomes, according to analysis from tenant referencing company HomeLet, and this is putting strain on household budgets. The firm, which processes references for more than one million renters every year, says the household income to rental ratio - the share of income households spend on rent - has risen significantly over the past decade.

Record level of former rental homes up for sale as more landlords head for the exit - but is it really a full scale exodus?

Landlords appear to be selling up in their droves, according to the latest figures from Rightmove.

When will interest rates fall again? As inflation falls below 2% target - forecasts on how low it may go

The Bank of England is widely expected to cut interest rates next month after inflation dropped below its 2 per cent target for the first time in over three years.

1 share When will interest rates fall again? Latest base rate forecasts

Buy-to-let landlords head for the exit: Estate agents say many have already been selling up - even before the threat of a capital gains tax hike

Buy-to-let landlords head for the exit: Estate agents say many are already selling up - as

Landlords continue to head for the exit as higher mortgage rates, tightened regulation and unfavourable tax changes encourage more to sell up. The sell-off gathered pace before the threat of another potential tax hike for property investors arrived, with rumours that Labour will raise capital gains tax.

Relief for renters? Rent rises drop to lowest level in almost three years - and some cities have even seen falls

The property website Zoopla has revealed that rent rises have slowed to their lowest level in 33 months.

Landlords forced to pay £700 on average as more councils make them sign up to buy-to-let 'licence' scheme

Some councils require landlords to get 'selective licences' in the hope that this will improve standards - but the cost of these differs widely across the country.

Property purchases by landlords fall to record low: Shrinking of buy-to-let could lead to higher rents for tenants

Property purchases by landlords fall to 14-year low as rents keep rising

The proportion of homes being bought by landlords has fallen to a 14-year low, according to new data, while mortgages granted to them have more than halved. Only one in ten homes sold during the first half of this year went to a buy-to-let investor, according to the estate agent Hamptons. This is leading to a supply crunch for tenants, with 42 per cent fewer rental homes on the market last month than in June 2016.

How to rent the home you want in a red hot market... as Rightmove says each property has 17 tenants competing for it

Renters are still having to compete fiercely for properties, according to the property website Rightmove. Here's how to stand out from the crowd.

Should I extend the lease on my flat now that marriage value is being abolished - and will it be any cheaper?

I noticed that the Leasehold and Freehold Reform Bill was passed in May and I have heard that marriage value has been abolished. Will this make it cheaper to extend my lease?

Labour to end no fault evictions for renters: But letting agents warn of landlord exodus without court reform

Labour to end no-fault evictions for renters: But estate agents warn of landlord exodus

The King's Speech confirmed the Government will bring forward a Renters Rights Bill to end Section 21 'no-fault' evictions. These changes were being considered by the Conservative government in what was previously the Renters Reform Bill. However, it didn't pass before the General Election, meaning the unfinished legislation has passed to Labour.

The house next door is becoming a student HMO for six people: Can I stop it from happening?

I have recently found out that the property next door to mine is being made into a HMO to house students. Is there any way to stop this from happening?

House prices will now rise this year, says Zoopla - but a glut of properties on the market will keep a lid on gains

It marks a more upbeat forecast from the property portal, which predicted at the beginning of the year that prices would fall by 2%.

EXCLUSIVEThe 16 best places to invest in property in Britain: Estate agents say prices will soar in these towns - here's what you can get for your money NOW for as little as £218,261

There are still dozens of villages, towns and cities across the UK that are on the up and set to see a huge increase in house prices over the next few years. We've consulted property experts and estate agents to bring you a list of 16 top places to invest and, fingers crossed, turn a significant profit.

The best buy-to-let mortgages for landlords: Should they fix or risk a tracker?

Buy-to-let landlords are being hit by higher interest rates, higher costs and a less friendly tax regime.

How much money do holiday lets make in your area? One North East hotspot gets big boost from... Indiana Jones!

As Britons continue to enjoy time off close to home, a holiday let property is a great way for investors to create a second income - but choosing the right location is crucial.

Next government must build more homes to cut rents says Rightmove - as average tenant pays £91 more per month than last year

Rents have reached another new record high, according to the property website, Rightmove. Average advertised rents have reached £1,316 per calendar month outside of London, up £91 or 7% compared to a year ago when the average rent was £1,225. Rightmove is therefore calling for the next Government to build more homes in order to make rent rises more 'sustainable'.

Energy price cap hike could raise bills by over £550 for least energy-efficient homes, says Rightmove

Energy price cap hike could raise bills by over £550 for least efficient homes

Some of Britain's least energy efficient homes could see their annual energy bill rise by more than £550 from the start of October, according to Rightmove. The average home currently pays bills of £1,568 a year, with prices limited by the Ofgem energy price cap , but this will rise to £1,717 from 1 October. However, those in poorly-insulated homes could see much larger increases.

Don't scrap this stamp duty tax break, property firms urge the Chancellor: What is multiple dwellings relief and how do people get it?

The stamp duty cut known as multiple dwellings relief is set to be abolished in June, mostly affecting individual landlords.

How much have house prices risen in YOUR neighbourhood since the eve of the financial crash in 2007: Use our interactive map to find out...

We're often led to believe that house prices will always rise over the long-run. That it's one of the safest and soundest investments.

I want to become a buy-to-let landlord: Should I REALLY use an interest-only mortgage or would paying off the debt be a better plan?

Should I REALLY use an interest-only mortgage as a buy-to-let landlord?

I'm thinking about purchasing my first ever buy-to-let property. I know the city I want to buy it in and even have a couple of developments in mind. The mortgage broker I spoke to said it was normal for landlords to buy with an interest-only mortgage but that sounds rather reckless to me. My question is, why do some buy-to-let investors prefer to buy with interest only mortgages? What are the advantages? Surely there is some sense in sticking with a repayment mortgage and paying down the debt.

BUY-TO-LET AND LANDLORDS: TIPS, TOOLS AND GUIDES

I'm planning to let my home for the first time: How do I choose a letting agent, can I haggle over fees and what questions should I ask them?

How do I choose a letting agent to manage my rental property?

I'm moving out of my home to move in with my partner. Instead of selling my flat, I have decided to let it out just in case things don't work out. I don't want the hassle of finding tenants myself. Nor do I want to manage the property myself. There are quite a few letting agents in my area. I would love some advice on how I should set about choosing the best one?

We want to evict our tenant and make the house a holiday let: Will this soon be banned under Section 21 rules?

We are worried about Government plans to make 'no fault' evictions harder. Should we serve our tenant notice sooner rather than later?

True cost mortgage calculator: How much would a new fixed rate cost you on both rates AND fees

Our calculator allows you to really compare how different mortgages stack up by checking what arrangement fees add to the overall cost over the life of a deal.

12 shares Mortgage calculator: Compare fixed rates and interest-only

Top tips for renting your home: Seven steps to help you prepare to let a property you've been living in

Seven ways to prepare for renting out your property

We reveal some top tips to help you prepare to rent out your home, including sorting out insurance, notifying your mortgage lender and making it easier to find a tenant. Angela Davey, of ARLA Propertymark said: 'Letting out your home is a big decision so it's key that you do your research and consider how best to market your property. It might seem like a lot to consider, but working through these steps, considering the type of prospective tenant you're looking for, and seeking help from a professional will ultimately make the process as smooth as possible and ensure that you don't end up in a vulnerable position.'

Ten tips for buy-to-let: the essential advice for property investors

Ten tips for buy-to-let: Essential advice for property investment

Buy-to-let lost some of its spark in recent years but that might be about to change as new tax cuts and low mortgage rates have caused landlords to flock back to the market. Landlords suffered a triple-whammy hit this year as three popular tax reliefs were axed or scaled back in April. But the Chancellor's recent stamp duty cut coupled with access to cheap loans have led to a spike in investors looking to buy homes .

We're becoming buy-to-let landlords: Should we use a managing agent charging us 20% of our income, or save money by doing it ourselves?

We are considering using a letting agent to find a tenant, but are undecided over whether we want to outsource the day-to-day management as well. Would a cheaper online service be a better bet?

Tax on buy-to-let and how to cut your bill: From income tax to stamp duty, what you need to know

The taxman will want to know about any buy-to-let returns you make. If you don't declare your income properly or capital gains when you sell, you could be in trouble.

BUY-TO-LET YIELD CALCULATOR

This calculator shows the rental return on your investment property as a percentage of its value

BUY-TO-LET MORTGAGE CALCULATOR

Work out your monthly payments

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Stamp duty calculator

How much tax would you have to pay on a home or buy-to-let?

Purchase price
£
Is this a buy-to-let or second home? (Higher rates apply)
Are you a first-time buyer?
First-time buyer zero rate up to £300,000 only applies if buying a home costing £500,000 or less
*Transactions under £40,000 do not require a tax return to be filed with HMRC and are not subject to the higher rates

Stamp duty charge

BUY-TO-LET: DON'T MISS

Compare true mortgage costs

Work out mortgage costs and check what the real best deal taking into account rates and fees. You can either use one part to work out a single mortgage costs, or both to compare loans

Mortgage 1
Mortgage 2
Mortgage amount
£
£
Arrangement fees
£
£
Term
years
years
Interest rate (actual rate not APR)
%
%
Initial deal period
yrs
mths
yrs
mths
Mortgage type

Mortgage 1
Mortgage 2
Total mortgage charge
Total interest charge
Total monthly payment
Cost over deal period including fees

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Interest rate rise calculator

Work out how much extra you would pay each month and year on your mortgage if your lender changes the rate you pay.Put in a negative value to calculate a rate cut, for example, -0.25%.

Mortgage amount:
£
Current interest rate:
%
Mortgage term:(ie 25 years)
Mortgage type:
Interest raterise / fall:
%

Total monthly repayment:
New monthly payment:
Extra /less per month:
Extra /less per year: