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12 articles
Mortgages & Rates

Over half of first-time buyers find mortgage access challenging

New research from Yorkshire Building Society reveals that 56% of prospective first-time buyers consider it difficult to secure a mortgage. This perception is significant given that first-time buyers remain a key driver of the UK housing market. The data suggests that despite rece

28 Aug 2026 · 1 min
Tax

Local Housing Allowance gap widens, raising risks for landlords

The gap between Local Housing Allowance (LHA) rates and actual market rents is expanding, creating financial strain for landlords letting to benefit-dependent tenants. Propertymark’s recent call for the government to restore LHA to the 30th percentile of local rents highlights a

28 Aug 2026 · 1 min
Regulation & Policy

HMO planning refusals double, tightening supply for UK investors

Local authorities across England have sharply increased refusals of Houses in Multiple Occupation (HMO) planning applications. Recent data from Property Industry Eye shows refusals have doubled compared to previous years. This signals a sustained crackdown on HMOs as councils see

28 Aug 2026 · 1 min
Strategy

HMO planning refusals double, squeezing investor opportunities

The latest data reveals a sharp rise in local authorities rejecting planning applications for houses in multiple occupation (HMOs). According to Property Industry Eye, refusals have doubled recently, reflecting a growing regulatory clampdown across many UK councils. For property

28 Aug 2026 · 1 min
Mortgages & Rates

Landlord faces £8,000 rent repayment after unlicensed HMO tribunal ruling

A recent tribunal decision has resulted in a landlord being ordered to repay nearly £8,000 to a tenant due to the property operating as an unlicensed House in Multiple Occupation (HMO). This case highlights the financial risks landlords face when failing to comply with licensing

28 Aug 2026 · 1 min
Mortgages & Rates

Unlicensed HMO penalty highlights risks for UK landlords

A recent tribunal ruling has seen a landlord ordered to repay nearly £8,000 in rent after renting out an unlicensed house in multiple occupation (HMO). This case serves as a sharp reminder of the financial risks landlords face when failing to comply with licensing requirements.

28 Aug 2026 · 1 min
Strategy

Rent controls risk shrinking rental stock, warns Institute for Fiscal Studies

The Institute for Fiscal Studies has highlighted a clear trade-off in the ongoing debate over rent controls in the UK. Their research shows that while private renters spent an average of 28% of their incomes on housing costs in 2024–25, introducing caps on rents is likely to redu

27 Aug 2026 · 1 min
Regulation & Policy

Rent controls risk shrinking rental supply, says IFS

The Institute for Fiscal Studies has flagged the downside of rent controls in the UK rental market. Their analysis shows that while renters spent on average 28% of their household income on housing costs in 2024–25, compared to just over 11% for owner-occupiers, imposing rent cap

27 Aug 2026 · 1 min
Tax

Landlord tax dampens appetite for buy to let expansion

A recent survey by Benham and Reeves reveals that while 51% of landlords in England still view residential property as a sound long-term investment, the majority are hitting the pause button on growing their portfolios. Specifically, 63% of landlords plan to maintain their curren

27 Aug 2026 · 1 min
Tax

Landlord tax dampens appetite for buy to let expansion

Despite over half of landlords in England still viewing residential property as a solid long-term investment, the appetite to grow portfolios remains muted. According to a recent survey by Benham and Reeves, 63% of landlords intend to maintain their current holdings rather than e

27 Aug 2026 · 1 min
Tax

Company ownership nears half of UK buy-to-let market

Data from Lendlord reveals that 45.1% of UK buy-to-let properties were owned through companies in Q3 2026. This shift reflects a steady rise in corporate ownership over recent years, driven largely by tax changes and financing advantages. Private landlords still hold the majority

27 Aug 2026 · 1 min
Tax

Company ownership nears half of UK buy-to-let market

Data from Lendlord reveals that 45.1% of UK buy-to-let properties were held through companies in the third quarter of 2026. This figure is a significant shift from previous years when private individual ownership dominated the sector. The trend is even more pronounced among large

27 Aug 2026 · 1 min