Guides
Behind the
numbers.
Stress testing, offer pricing, ICR, yield, JV reports — how UK landlords analyse and defend the deals they actually buy.
The Autumn Budget 2025 landlord tax stack: what changes in April 2027
Property income +2pp surcharge, basic-rate credit rising to 22%, the Mansion Tax (HVCTS), threshold freeze to 2031, and the dividend rate uplift. The biggest landlord tax shift since Section 24.
Renters' Rights Act: lessons from the first 100 days
Since the Act commenced on 1 May 2026 — early Section 13 challenges, the 12-month re-let ban in practice, what landlords got wrong in the run-up, and what the tribunal volumes look like.
EPC C by October 2030: the £10,000 cap explained
All PRS tenancies must reach EPC C by 1 October 2030. The £10,000 spend cap, the 10-year exemption, the RdSAP 10 methodology shift, and how to model the capex shock into deal IRR.
Mansion Tax (HVCTS): modelling the £2m+ surcharge from April 2028
The High Value Council Tax Surcharge — four bands from £2,500 to £7,500 a year on residential properties above £2m. What it costs, who pays, when it bites, and how to underwrite it now.
FCA Mortgage Rule Review: what rent-based affordability means for BTL
The FCA's December 2025 PS25/11 and Q1-2026 consultation could loosen affordability rules for first-time landlords and standardise portfolio ICR aggregation. What's coming and when.
The Renters' Rights Act 2025: what UK landlords need to do
Since 1 May 2026, the biggest reform of UK private renting in 35 years is law. Section 21 abolished, periodic tenancies, new possession grounds, rent rules — what's in the Act and what's myth.
Section 24 explained: what UK landlords actually pay in tax now
How Section 24 changed mortgage interest relief for UK landlords, the three caps on the 20% basic-rate credit, and when incorporating to a Ltd company genuinely saves money.
How to stress-test a buy-to-let in 2026
Test how your BTL deal holds up against rate rises, rent drops, and combined worst-case scenarios — with the exact numbers most landlords miss.
How to calculate the maximum price you should offer on a BTL
Reverse-engineer the offer price that hits your targets — instead of guessing, taking the asking price, or hoping the deal works at the wrong number.
BTL calculator vs spreadsheet: why investors are switching
Spreadsheets break in three predictable ways. Here's what they cost you over a year of deal sourcing — and what to use instead.
Understanding ICR (Interest Coverage Ratio) for UK landlords
What ICR is, how lenders calculate it, why their stress rate is higher than yours, and how to know whether your deal will pass before you apply.
Net yield vs cashflow: which one matters more for BTL?
They're not the same number, and chasing the wrong one is how investors end up with strong-yield deals that bleed money each month.
How to present a property deal to a JV partner
What investors actually want to see when you bring them a deal — and the three numbers that decide whether they say yes in the first 30 seconds.
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