CIA Landlords
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Financial

It’s so important for landlords to know their stuff when it comes to money and finances. Here you’ll find advice on everything from rental arrears, deposits and many other important financial issues.
An image of a model house with house keys on top of a tax document

What is mortgage interest tax relief?

23-10-2026

If you have been in the UK buy-to-let market for more than a few years, you probably remember a time when calculating your annual tax bill was straightforward. You added up your total rental receipts, subtracted your mortgage interest and operating costs, and paid income tax on whatever profit was left. Today, that calculation looks […]

Your guide to company let deposit protection

20-10-2026

If you normally let properties to individual tenants, you’ll probably be familiar with the rules around taking and protecting a tenancy deposit. But what happens when the tenant named on the agreement is a limited company instead? Company let deposit protection works differently because the rules are determined by the type of tenancy you create, […]

What is deposit-free renting?

19-10-2026

The costs of securing a new tenancy can prove to be a financial strain for tenants, especially during the cost of living crisis we find ourselves in. In order to make it easier, however, there has been an increase in alternatives for tenants to be able to make the process more financially manageable. One of […]
Word tiles spelling out the word 'security'

What are the different landlord risks?

16-10-2026

When we talk about investing in buy-to-let property, the topic of rental returns, capital growth and creating passive income streams often crops up. There are certain things that you need to keep in mind when looking at letting accommodation in the UK, and with this comes certain landlord risks. This doesn’t mean, however, that you […]
A legal book on landlord rules and regulations

Section 27 Notice Landlord and Tenant Act 1954: How tenants end a protected business tenancy

08-09-2026

It is important to have a good understanding of how and when a lease comes to an end in order to effectively manage your assets and your financial future. When it comes to Part 2 of the Landlord and Tenant Act 1954, business tenants who hold security of tenure will be able to benefit from […]

How to Work Out Rental Yield?

04-09-2026

Whether you have one property or multiple on your books, knowing how to work out rental yield  is something that a landlord should not overlook. Rental yield is a percentage figure and shows the revenue that you earn, or can expect to earn, from an investment. Landlords and property investors alike use rental yield to […]

How Long Does a Landlord Have To Make Tenancy Deposit Deductions?

04-09-2026

In England and Wales, landlords need to return tenancy deposit deductions within 10 days of agreeing how much should be returned. The end of the tenancy can be busy for landlords, but it’s important to react quickly. Priority tasks include inspecting the property, comparing its condition against the original inventory and deciding whether the tenant’s […]
Boiler

What UK support is actually available in 2026 for landlord boiler grants?

19-08-2026

Having to sort out a broken boiler as a landlord can be a very stressful challenge, especially when it is the middle of winter, and you need to make sure your tenants have heating. It can also be a very expensive thing to sort out. The good news is that there are boiler grants and […]

What electrical safety test certificates do landlords need?

17-08-2026

Understanding which electrical tests are available for landlords can get confusing with evolving legislation. Ensuring tenant safety is a top priority and something that should be taken seriously, not only to comply with safety standards but also to ensure safety and to foster a good reputation amongst your tenants. As a property owner in the […]

Rent Arrears - Landlord's Rights Following Renters’ Rights Act Changes From May 2026

10-07-2026

Rent arrears can be a significant problem for landlords because they disrupt cash flow. In some situations, landlords may be able to absorb rent arrears over a short period. But if the problems exist over the long term, then it will create a financial nightmare for all landlords. This is why it’s important for landlords […]

If a tenant dies, what happens to the deposit?

10-07-2026

Dealing with the death of a tenant can be incredibly difficult for landlords, especially when there are practical and legal matters that still need to be handled. One of the most common questions in this situation is: if a tenant dies, what happens to the deposit? While it may feel like the tenancy has come […]

Tax Advice for Landlords

10-07-2026

Landlord tax advice is an extensive subject and one that is always changing. If it’s something that you naturally understand, take in, and keep up with, then you’re probably one of the lucky few. There are many different strands to landlord tax, and you need to be aware of them all if you are to […]
A tenancy guarantor

What are the responsibilities of a guarantor for tenancy?

01-05-2026

Sometimes, as a landlord, you’ll come across a tenant who looks great on paper but just falls short on a credit score, and you still feel as though it’s worth taking a shot at them. Having a guarantor for a tenancy agreement is the best solution to this predicament and will allow you to move […]
A model house with a sack of money behind it to illustrate finances associated with buy-to-lets

How much does it cost to become a landlord?

01-05-2026

Getting onto the property ladder has been something many strive for in the hopes of building wealth through passive income. But not everyone will know how much it costs to become a landlord. Entering the rental market in 2026 is no longer as simple as putting down a deposit and collecting rent. There are many […]

What is the landlord incentive scheme?

24-03-2026

Every now and then, you may find that your tenants need that little bit of extra support and that you need to look to secure your property a little bit more. This is where the Landlord Incentive Scheme comes into play. Offered by local authorities across the UK, this scheme is designed to bridge the […]
An image of British pounds.

What is a tenant guarantor, and who can be one?

10-03-2026

A tenant guarantor is someone who agrees to pay the rent (and potentially other tenancy costs) if the tenant doesn’t pay. Tenant guarantors can be a real asset in risk management and making sure that tenancies run smoothly – particularly when renting to tenants who may seem higher risk on paper, such as students, first-time […]
A blue model house with a yellow sticky note with the word 'rent' on

Changing the rent due date

10-03-2026

As a landlord, you may receive a request from your tenants to change the rent due date. Many tenants, nowadays, work in the ‘gig economy’ or have irregular pay cycles, which means that their salaries will be irregular, too.  Although this may seem like an easy enough process to change, the new Renters’ Rights Act […]
An infographic that says 'can direct universal credit payments be made to landlords'

Can Direct Universal Credit Payments be Made to Landlords?

03-02-2026

There has been an identifiable shift in how rental income is managed with the transition of tenants being able to use universal credits to pay for rent. The Universal Credit system was created to encourage personal responsibility amongst tenants, as they are now responsible for paying landlords directly once the Department for Work and Pensions […]

Comprehensive landlord expenses list

21-01-2026

Keeping on top of costs is part of the job when you let property. But when it comes to tax, it’s not enough to know what you spent, you also need to know how it’s treated. That’s why a clear landlord expenses list is so useful. This guide is designed as a detailed rental property […]
Stacks of coins

Common landlord fines and how to avoid them

19-01-2026

The rental market is heavily regulated, which is what both landlords and tenants need. This way, housing standards are protected, too. Because of all the regulations, landlords can easily slip up with unintentional breaches, leading to unavoidable landlord fines. It’s within your best interest as a landlord to make sure that you are proactive, focusing […]

The best MTD software for landlords

06-01-2026

If you weren’t already aware, the tax landscape for unincorporated landlords is changing in the UK. From April 2026, landlords who earn above £50,000 per year will need to switch to the digital tax for landlords system as part of the Making Tax Digital for Income Tax Self Assessment (MTD for ITSA) scheme.  What this […]
A model house with a sack of money behind it to illustrate finances associated with buy-to-lets

How do I start a rental property business?

06-01-2026

Are you looking to generate passive income with property investment? Knowing how to start a rental property business is the first step in being able to do this. You need to have a plan when looking to start a rental property business, because without one, you could pay. Being a landlord can easily become a […]
A row of houses next to a main road.

How to Invest in Real Estate for Beginners

06-01-2026

If you’re new to investing in property, you may be wondering how to invest in real estate. It’s no surprise that the financial risks that come with property investment can feel overwhelming. So, how do you get started with the least amount of risk possible? Stay with us while we take a look at all […]
Landlord signing documentation for a holding deposit agreement

What is a holding deposit agreement?

22-12-2025

The rental market can move incredibly fast, which can be frustrating for prospective renters. They see a property they love, but should anything slow them down whilst they’re getting ready to go through the checks and secure the property, they can easily and quickly lose out. That’s where a holding deposit agreement comes in. A […]
A person carrying a wooden model house with a sign that says 'stamp duty'

Do Landlords Pay Stamp Duty on their Main Residence?

10-08-2025

As a landlord, stamp duty is part and parcel of owning properties and renting them out. Stamp duty is a tax that is paid when you buy a property, and only if the price exceeds the relevant threshold. It is not a tax that all homeowners automatically pay.  This article will provide you with an […]
A model house with a sack of money behind it to illustrate finances associated with buy-to-lets

Understanding the Buy-To-Let Stamp Duty Surcharge

07-08-2025

If you’re thinking about buying a buy-to-let property as a second home in the UK, you might be wondering how much stamp duty you will have to pay. In England and Northern Ireland, landlords with buy-to-let properties that are an addition to their own home are required to pay a surcharge on top of residential […]
A key with a piece of paper attached. The paper says tenancy agreement

What is a rolling tenancy agreement?

05-08-2025

A rolling tenancy agreement, also known as a periodic tenancy, is a tenancy agreement that does not have a fixed end date. It is a common agreement in the UK rental market that allows flexibility for both the tenant and the landlord. Unlike the more common fixed-term agreement, a rolling tenancy agreement typically runs as […]
Tenants paying utility bills

How to bill tenants for utilities

15-07-2025

Whether you’re new to being a landlord or already experienced in the property rental market, you might be wondering about the options available for billing utilities. This comprehensive guide explains the different approaches landlords can take, allowing you to decide how to bill tenants for utilities tailored to your specific circumstances. The article will cover […]
A dotted line bouncing upwards on wooden blocks to reach a target

Setting up a limited company for rental property

09-07-2025

All good landlords will try to maximise their profit as much as possible, so, understandably, more and more landlords are considering setting up a limited company for rental property. With changes in tax regulations and a growing interest in property investment through a limited company, many landlords are exploring whether buying a house through a […]

Understanding landlord tax deductions for property expenses

09-07-2025

Understanding and navigating landlord tax deductions can be quite a complex task, especially if you’re new to property investment. As you aim to make a profit, tax breaks for landlords can provide welcome relief, so it’s vital to maximise them where possible.  In this guide, we’ll explain the key expenses landlords can claim and highlight […]
Someone holding a 'stamp duty' sign

What landlords should expect with Stamp Duty on HMO properties

05-07-2025

Houses in Multiple Occupation (HMOs) can be an attractive option for landlords as they often bring in more money than single-let homes. But when people want to buy or convert an HMO, they commonly ask, “How does Stamp Duty on HMO property work?” The rules around Stamp Duty Land Tax (SDLT) can be confusing, especially […]

Stamp Duty for Landlords: A guide

04-07-2025

Stamp duty is one of the hurdles landlords have to overcome when building up their property portfolio, so it’s vital to understand its specific implications. Stamp duty for landlords is easy to sort out, but the cost is something you will need to factor in when budgeting for additional properties. This comprehensive guide to stamp […]
A model shaped as a house with 'Stamp duty land tax'

Can landlords claim a Stamp Duty rebate?

02-07-2025

When buying a property in England or Northern Ireland, landlords are required to pay Stamp Duty Land Tax (SDLT) – and in most cases, this includes an additional 3% surcharge on top of standard rates. For many landlords, it’s a painful but unavoidable cost of doing business. But here’s the good news: in certain situations, […]
Stack of coins next to a wooden model padlock

How long can a landlord hold the deposit after the tenancy ends?

06-06-2025

Whilst not mandatory, landlords almost always ask the tenant for a deposit to provide a financial safety net should any issues arise. The landlord must put the deposit in a government-authorised tenancy deposit scheme until the tenancy ends. But how long can landlords hold the deposit after the tenancy ends? This comprehensive guide explains the […]
A person using a calculator with yellow letter blocks spelling out tax

Do landlords pay tax on rent?

12-05-2025

Becoming a property investor and renting out can be the start of a thrilling chapter in your life. Owning a property that generates income while building wealth for the future is an exciting prospect. When starting out on your journey as a landlord, you might be wondering: Do landlords pay tax on rent?  This comprehensive […]
A document and pen with an area for both a landlord signature and tenant signature

A guide to handling the renewal of a tenancy agreement

12-05-2025

The renewal of a tenancy agreement is a crucial task for landlords who want to maintain long-term tenancies with their tenants and avoid costly void periods. A well-structured and simple tenancy renewal for the tenant helps maintain a positive relationship between landlord and tenant, encouraging the tenant to stay in the property for longer. In […]
Multiple stacks of coins increasing in height near a model house

How to start investing in rental properties

21-03-2025

Are you ready to take a leap into the property renting world but unsure how to start investing in rental properties? While it may be a dream becoming a reality for many, taking the first steps towards renting out property can be confusing. Embarking on the journey into investing in rental properties can be exhilarating […]
A pile of overdue bills in sealed envelopes.

Are landlords liable for tenants’ unpaid bills?

19-03-2025

So, your tenant has moved out without paying their bills. It’s enough to make any landlord panic. Are you going to liable for your tenant’s unpaid bills? Is this now your mess to fix? It can be seen as a grey area between landlords and tenants for sure, but let’s clear it up. Are landlords […]
A row of UK new build properties.

How to start a property business: A step-by-step guide

04-03-2025

Investing in property is often considered one of the most strategic moves you can make with your money. It not only offers the potential for substantial returns but also provides a steady stream of rental income that can evolve into true passive earnings over time. This allows you to make money in the background while […]
A pet dog sitting outside with furniture

Pet rent and pet deposits

11-02-2025

It’s safe to say that after the pandemic, there has been a rise in tenants looking to rent pet-friendly properties. Here, we’ll take a look at pet rent and pet deposits, including your rights as a landlord to charge tenants extra for having pets.  The topic of charging pet rent and pet deposits in the […]

Renovating a Rental Property

08-01-2025

Every now and then, it’s a good idea to refresh and start renovating a rental property in order to stay ahead of the competition and attract new tenants – however, it’s important that every penny spent is justified by a return on investment.  Renovation costs for rental property can be quite high so it’s important […]
A pink piggy bank sat next to a running tap.

Are landlords responsible for water bills?

06-01-2025

The water bill. It is not the most exciting topic, but when you’re renting or managing a property, knowing the landlord’s water responsibilities can save a lot of hassle. Tenants and landlords often wonder: are landlords responsible for water bills? The answer isn’t a simple yes or no, and the devil is often in the […]
A black and white alarm clock against a green background with the words 'CAPITAL GAINS TAX' to the right hand side of it.

Understanding the Capital Gains Tax changes for landlords in 2024

06-01-2025

As we near the end of 2024, landlords across the UK are likely feeling the heat as changes to Capital Gains Tax (CGT) linger. Whether you’re a seasoned investor or a relatively new property owner, understanding the implications of these changes is crucial if you’re considering selling any properties. In this blog, we’ll take a […]
An older couple signing a no deposit tenancy agreement.

What is a no deposit tenancy?

20-12-2024

Ask almost anyone who has ever rented out their property – or for that matter, who has ever rented their home – and they will be familiar with the concept of the tenancy deposit. Landlords or letting agents tend to request a tenancy deposit from a prospective tenant who wishes to move into and live […]
A wooden toy house sat upon four wooden blocks spelling the word 'YIELD'.

What is a good yield on rental property?

20-12-2024

For property investors, understanding what is a good yield on rental property is critical. Rental yield essentially measures the return on investment (ROI) for a property, giving you a way to assess whether a property is financially worthwhile. But what does a good yield look like? In this article, we’ll explore what a rental yield […]
A landlord working of the ladder while conducting property maintenance.

Property maintenance costs for landlords

20-12-2024

It is a fact of life that as a landlord, you will need to account for certain costs. Unfortunately, there is evidence that the burden of those costs has gone up in recent years. It was reported in 2022, for instance, that the maintenance costs for a rental property now accounted for over a fifth […]
House keys and a pile of pound coins.

I didn't protect my tenant's deposit - what now?

18-12-2024

As a landlord, you carry significant responsibilities, including safeguarding your tenant’s security deposit. The security deposit is an important financial safeguard, protecting your property against potential damages and ensuring compliance with rental agreements. However, failing to protect your tenant’s deposit can lead to severe legal consequences. Understanding the laws regarding security deposits is essential for […]
A Notice of Rent Increase with a set of keys and a calculator.

How to inform tenants of rent increase

18-12-2024

Raising the rent of your property can feel like walking a tightrope for landlords. You want to ensure your property remains profitable, but you also need to maintain a positive relationship with your tenants. It’s a tricky balance, but with the right approach, you can navigate this process smoothly. In this article, we’ll cover some […]
An eviction notice pinned up outside on a window.

How much does an eviction service cost?

18-12-2024

Evicting a tenant in the UK can be a stressful and costly experience, with expenses often ranging from £1,000 to £3,000. The total eviction service cost depends on factors like court fees, bailiff services, and solicitor charges. Whether you’re dealing with a difficult situation for the first time or are familiar with the process, understanding […]
A wooden block with the word 'rent' written on it

How often can a landlord increase rent?

10-12-2024

Usually, landlords are able to increase rent on an annual basis. Rental increases are necessary when leasing out a property as a landlord because you’ll need to ensure that you’re keeping up with inflation or the cost of living.  But, it’s important that you also take into account the needs of your tenants and be […]
New pound coins on a council tax bill.

Council tax for buy to let properties

06-11-2024

Investing in property has always been an attractive option for many in the UK. But while it can be a lucrative venture, navigating the tax landscape for buy to let properties can feel overwhelming. From council tax, rental income tax and various allowable expenses, understanding your tax obligations is essential for maximising your profits. Who […]
Golden money symbols on a beach

How does overseas landlord tax work?

14-10-2024

If you’re wondering how overseas landlord tax works, you’ve come to the right place. It’s vital to understand tax obligations for overseas landlords. This blog will inform landlords who live abroad and earn money from property in the UK about how overseas landlord tax works, covering all the basics and more. Let’s get started. Overview […]
A broken window in a home.

What if a tenant does more damage than a security deposit?

14-10-2024

A tenant’s security deposit serves as protection for landlords, helping to cover the cost of damages or repairs during and after a tenancy. While it’s not legally required for landlords to collect a security deposit, it’s a common practice and highly recommended. But what happens when tenant damage exceeds the deposit? This can quickly become […]
Utility bills spread out next to a calculator

How to manage end of tenancy utility bills

09-10-2024

As a tenancy draws to an end, there are various details that you, as a landlord, should manage, from inspecting the property to settling final bills. One crucial aspect often overlooked is managing end of tenancy utility bills.  Ensuring that all utilities are handled correctly not only protects you financially but also helps maintain a […]
An image of a landlord who has received rent repayment orders, looking at them with a pen and a calculator.

What is a rent repayment order?

27-09-2024

A rent repayment order is an order issued by the First-tier Tribunal that requires repayment of rent from a landlord who commits an offence in the legislation. Rent repayment orders can require a maximum repayment of up to 12 months of rent if convicted.  Landlords need to understand rent repayment orders. This ensures they prevent […]
An image of a tenant looking at paperwork of banned tenant fees.

Banned tenant fees and penalties for landlords

27-09-2024

Banned tenant fees have occurred as a result of recent tenant law reforms. They have had a significant impact on the rental market by getting rid of many of the costs that tenants were previously made to pay.  The law reforms were introduced in an attempt to create a fairer rental market and protect tenants […]
An image of a landlord opening a property door.

Landlord Tax: A Guide to the Taxation of Non-Resident Landlords

24-09-2024

The taxation of non-resident landlords refers to the implementation of tax deductions from landlords whose usual place of abode is outside of the UK. This legislation can be found in sections 971 and 972 of the Income Tax Act of 2007. Also known as overseas landlord tax, it was bought in to ensure that all […]
An image of a figurine of a house and someone holding a calculator.

Do estate agents charge fees for renting?

23-09-2024

When it comes to estate agent fees for renting, there is a lot for landlords to consider. There is a vast array of costs that come with owning a property and then being able to rent it out to tenants, and you probably want to know the costs landlords need to consider during the process.  […]
An image of a woman pressing a calculator and carrying out credit checks for renters.

Credit Checks for Renters

18-09-2024

Using credit checks for renters is an integral part of assessing the financial reliability of potential tenants. Landlords can perform a credit check for potential tenants to determine whether they can afford to pay rent.   We’ll provide information and guidance on the use of credit checks in the rental process and explore what landlords need […]
An image of someone using a calculator with a percentage sign.

What are the allowable expenses for landlords against rental income?

16-09-2024

You may be struggling to wrap your brain around allowable expenses for landlords against the rental income that you earn per month, especially if you are new to being a landlord. Here, we’ll make sense of all of that by taking a look at rental income taxation and your allowable expenses as a landlord.  What […]
An image of stacks of coins going up in quantity, signifying gross yield increasing.

How to Calculate your Gross Yield, Net Yield and ROI

02-09-2024

As a landlord, it is important to stay on top of your gross yield and be able to calculate rental ROI to ensure that your investment is profitable. These metrics are vital for understanding the financial performance of your rental property. We’ll explain definitions, formulas, and calculations so that you can use and understand these […]
Coins place down with a house figure placed on top.

What is the tenant fees act 2019?

02-08-2024

Renting a home can sometimes feel overwhelming, especially with various fees and charges that need to be paid. To make things simpler and fairer for renters, the Tenant Fees Act 2019 was introduced.  Here, we’ll go into the details of the Tenant Fees Act 2019 so that you have a clear understanding of what is […]
A person calculating on a calculator

Everything you need to know about allowable expenses for landlords

30-07-2024

Understanding allowable expenses for landlords is crucial for managing your rental property finances effectively and minimising your tax bill. Knowing what expenses you can claim can make a significant difference in your profitability. Here, we’ll walk you through everything you need to know about allowable expenses for landlords.  What are allowable expenses? Firstly, though, let’s […]
An image of a wooden model house with energy rating system on and a pile of coins and a calculator next to it.

Your guide to EPC ratings for rental properties

29-07-2024

Navigating the complexities of managing an EPC rented property involves understanding Energy Performance Certificates (EPCs). As a landlord, comprehending EPC ratings is important for the effective management of your rental properties. EPC ratings not only impact your property’s appeal to potential tenants but they also ensure compliance with legal requirements. This guide will provide a […]
An image of an eviction notice and a wooden model of a house.

Evicting someone with a Writ of Possession

29-07-2024

A writ of possession can be a great tool for landlords when navigating the challenging aspects of dealing with non-compliant tenants. While eviction is never the ideal outcome, sometimes it can be the only choice to maintain the integrity of your property and the well-being of your rental business.   This blog will explore the eviction […]

Your guide to average estate agent fees

26-06-2024

Navigating the average estate agent fees for renting is a bit more complicated than you might think. After all, there is no industry-standard pricing that all agencies must legally comply with.  Letting agents can offer landlords different services. Do you just want a tenant-finding service? Let-only? Rent collection? Or a comprehensive full-property management service where […]
A wooden house with a rising arrow on it and a round block with a percentage sign of to signify rent increase.

How much can a landlord increase the rent? A comprehensive guide for landlords

24-06-2024

Have you ever wondered how much a landlord can increase the rent on their property? This question is a constant source of curiosity for both landlords and tenants. This guide provides advice and insights on how much a landlord can increase rent, how much notice landlords should provide tenants for rental increases, and how to […]
A landlord sititng down holding paperwork with a calculator and working out his tax relief.

What is Section 24 and how does it affect landlords?

12-06-2024

So you might be asking yourself, what is Section 24? Navigating the world of tax regulations can feel like a constant battle. It’s something that all landlords will have to face. Therefore, we have put together this comprehensive guide to provide clarity and understanding while also exploring some potential strategies for navigating the post-Section 24 […]
A key in a door.

Short-term lets vs long-term tenancies: A guide for landlords

19-04-2024

Deciding whether or not to rent out your property as a short-term or long-term lease will very much depend on your personal situation as a landlord. You will need to take into account things such as the flexibility of short-term leases and the security that long-term lets bring. There will, of course, be pros and […]
A figure of a property on a building site with a crane in the background.

A guide to service charges and ground rent for landlords

17-04-2024

Property management is an exciting journey, and staying well-informed is key to making it a smooth one as a landlord. By keeping up-to-date, you’ll be able to treat your tenants fairly and make the most of your investment. Here, we shed some light on service charges and ground rent, helping you manage your properties effectively […]
A jar of money with the word 'save' on it.

Best ways for landlords to cut costs

28-03-2024

Being a savvy landlord means more than just collecting rent. It’s about strategically managing expenses to boost your profit margins without compromising the quality of your rental property or the satisfaction of your tenants. Here, we explore some of the best ways for landlords to cut costs and enhance their investment returns. Strategies to cut […]

What tax can you claim back on a rental property?

30-10-2023

Whether you only own a few buy-to-let properties or already have a letting business with multiple properties on your books, the common aim will be to make profits. So, it’s hardly surprising that many landlords are interested in the tax you can claim back on a rental property through allowable expenses. At CIA Landlords, we […]

Financial Issues for Landlords

10-08-2023

People become a landlord either to make a living or to make a bit of extra cash, so it is very important to ensure they get the most out of their investment. However, we are living in turbulent economic times, and everything has gone up, including energy costs and mortgage rates after the Bank of […]
House figurines with coins stacked in front of them.

How Much Would My House Rent For?

24-07-2023

It can be tricky to know how much your house would rent for, especially if you are new to being a landlord. There is a fine line between charging too much and not charging enough at all. Your regular rental income is essential to the healthy maintenance of your property portfolio, so it’s important to […]

Buying property through a limited company - pros and cons 

04-07-2023

Some people decide to purchase buy-to-let properties as individual investors. Others take the option of buying buy-to-lets a different route by setting up a limited company. The financial implications of getting a buy-to-let through a limited company are extremely different compared to individual investors.  As an independent landlord insurance brokerage that is always up to […]
pen and calculator working out bills

What is the most a landlord can raise rent in the UK?

05-05-2023

If you’re new to being a landlord, you may be wondering what is the most a landlord can raise rent in the UK. In England and Wales, there is currently no legal cap on the amount a landlord can raise rent. However, the government has set out rules that you must abide by as a […]
Image of a model house.

A Guide to Tenancy Deposits

02-05-2023

Taking tenancy deposits from tenants is optional for landlords, nevertheless, it is broadly the done thing and strongly advised that you make it part of the tenancy agreement you put to your tenants. However, putting tenancy deposits in a government-authorised tenancy deposit scheme isn’t optional, it is something that you must do by law.  Deposits […]
Shall i well my rental property. Saving money and typing

When is the right time to sell your rental property?

03-04-2023

Being smart with your finances has never counted more. If you’re wondering when the right time is to sell your rental property, you’re not alone.  Landlords are recognising that this is a big decision that can have a significant impact on their financial future.  Even if you are considering selling your rental property, make sure […]
man and women figure with money retirement plan

Can I use my rental property as a retirement investment?

03-04-2023

If you’re reading this, you may be wondering if you can use your rental property as a retirement investment. The short answer is yes, but let’s dive deeper into what that entails. First off, owning a rental property can be a great way to build wealth over time. If you invest wisely, you can earn […]
People sit and talk in kitchen with laptop insurance

Should you include bills in your rent?

15-02-2023

Are you seeing more and more rental offers including bills? It might have you thinking if you should include bills in your rent. There’s a reason the most searched term for renters is ‘bills included’ at the moment, reports The Guardian and it has everything to do with the cost of living.   You might […]
percentages stacked. Rising interest rates

What do rising interest rates mean for landlords?

16-01-2023

Interest rates have been soaring since last year. While the everyday homeowner is gasping at the rise in rates, landlords are frankly suffocating.    Understandably, landlords who are on a fixed-rate mortgage with a good few years left to enjoy it are sitting back humbly and thanking their lucky stars. However, for those who are […]

Tips for landlords during the cost of living crisis

24-11-2022

Landlords – like you – should be safeguarding their assets during the cost of living crisis. CIA are here to help with a few tips. Imagine you’re facing three empty properties which you now have to pay council tax on with no rent coming in. It’s a situation that can easily spiral and leave you […]

How to support your tenants in the cost of living crisis

24-11-2022

Approaching your tenants with empathy this winter could just be the ticket to keeping them on side and feeling supported through the dreaded COLC. Keeping your tenants in your property should be a priority to avoid unpaid rent gaps. Every business, property ownership included, should be keeping communication open with tenants who could be under […]

Who pays council tax - tenant or landlord?

24-11-2022

Surely the tenant who is residing in your property is the person responsible for paying the council tax? This isn’t always the case and it depends on the location of your property. Let’s take a glance at who pays council tax on your rental property and which councils differ in policy. What is council tax? […]

What is a tenant credit check?

13-10-2022

You’ve found some ideal tenants to rent your buy-to-let property. But before you give them the keys, you’ll want to complete a thorough credit check on them. As landlord, you almost certainly know you should be carrying out a credit check but what actually is it? From a general background check to their actual credit […]

How much does a tenant credit check cost?

13-10-2022

You’ll need to add the cost of running a tenant credit check to your overheads when becoming a landlord. You’ll be pleased to know that they aren’t ridiculously expensive as long as you know what you’re purchasing. Every landlord wants to know the credit history of their tenants to avoid any financial arrears and to […]

How to build up a rental property portfolio

12-10-2022

So, you want to start or expand your existing rental portfolio? Whether you’re an experienced multiple property owner or you’ve got some money sitting in the bank and are ready for your first landlord investment, let’s dive into how you can build your rental property portfolio. How many properties are considered a rental portfolio? Most investors own […]

Why would a landlord remortgage their BTL?

03-10-2022

House prices have been steady and modest recently, and there has no doubt been annual growth in a stable market. Homeowners are increasingly looking to remortgage their buy-to-let (BTL) properties.  The most common reason for this is the high number of fixed-rate deals that are expiring, which homeowners are keen to replace with more affordable […]

How to add value to your rental property

30-08-2022

Adding value to your rental property is an effective way to improve your yield and make the most of your investment. You’ll be creating a house that feels like a home and attracting tenants that want to look after the property. We’ll share the best ways to add value to your rental property so you […]

Do landlords pay council tax on empty properties?

17-08-2022

Are you the landlord of a residential property, currently sitting empty? If so, there might be some confusion regarding your council tax. Property ownership can be complicated, and there’s a big ‘grey area’ when it comes to an unoccupied property. Paying your council tax is something you cannot avoid. With that in mind, the easy answer to this […]
Smiling couple standing in front of a new home holding a large key toward the camera.

Can you remortgage a buy to let property?

18-07-2022

The short answer to this common query is: yes, it is certainly possible to remortgage an existing buy-to-let property, as well as to remortgage your current home to buy to let, as a means of renting it out. However, you will need to think carefully about your needs, and what you hope to achieve from […]

Disputes on deposit deductions

18-05-2022

In an ideal world, your tenant will leave your property sparkling clean when they move out. But the reality is that some tenants won’t restore your property to its original condition when they hand over the keys  – be it damaged sofas, miscellaneous items left in kitchen cupboards, or even broken windows. In some cases, […]

Do landlords pay council tax?

22-03-2022

More often than not, tenants are responsible for council tax unless they are exempt. In such cases, the landlord will be liable to pay council tax. However, it’s fair to say that there isn’t exactly a single, clear-cut answer to the question of who pays council tax in rented property. It essentially depends on the type […]

Do landlords have to take a deposit?

21-12-2021

You’ve found your ideal tenants, agreed on the length of the tenancy and all of the fees involved, and are about to seal the deal. As your new tenants prepare to sign their contract, you may be racking your brains to work out if there’s something you’ve missed. There may be one more question on […]

Do I have to use a tenancy deposit scheme?

30-11-2021

Tenancy deposit schemes can be a tricky topic to understand. But one thing is certain – if you take a deposit from your tenant, it is the law for you to register it with a deposit protection scheme.  We’ll walk you through everything you need to know to make sure you stick to the guidelines and avoid […]

Can a landlord charge VAT on insurance?

28-09-2021

There are many different types of tax out there, and some are more important than others when you’re a landlord. Once you’ve taken out your landlord insurance policy, you may be wondering whether you can charge VAT on insurance. We’ll fill you in on everything you need to know about landlord insurance and the associated […]

How to Register a Deposit with the Tenancy Deposit Scheme

10-05-2021

When you receive a deposit for an assured shorthold tenancy, you must deposit it into a government-approved tenancy deposit scheme within 30 days. This is the law. If you don’t register a tenant’s deposit within a tenancy deposit scheme, your tenant could bring up a claim against you for three times the deposit sum. You […]

Costs of Being a Landlord

03-03-2021

The finances are a big part of being a landlord, and unfortunately, it’s not quite as simple as rent, minus mortgage, minus tax equals rental income. There are plenty of other costs associated with being a landlord that you must understand in order to prepare your finances appropriately. Failing to account and take notice of […]

Financial Jargon Buster

17-12-2018

More than any other area of being a landlord, the financial aspects are the most complicated, whilst also being possibly the most important to understand. Many of the issues that arise through being a landlord all come back to one thing – money. And money is the driver for most of us taking on rental […]

Top 5 Types of Financial Issues Infographic

17-12-2018

CIA Landlords can compare landlord insurance to find the perfect policy for your needs. To find out how we can help, contact us and get a quote today.
Damaged Property

Damaged Property

Most landlords will experience an issue of some degree with damages to their property at some point. We advise on how to handle deliberate and non-deliberate damage to the property or its contents.

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Financial

Financial

It’s so important for landlords to know their stuff when it comes to money and finances. Here you’ll find advice on everything from rental arrears, deposits and many other important financial issues.

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Illegal Activity

Illegal Activity

We explore and advise on issues regarding illegal activity taking place at a rented property – with everything from drugs and cannabis farms, to the setting up of secret brothels and gambling dens.

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Landlord and Tenant Disputes

Landlord and Tenant Disputes

Here, you’ll find comprehensive advice pieces on how to manage landlord and tenant disputes. Dealing with tenant and neighbourly disputes in the correct way is so important as a landlord, whether it be noise complaints or financial disputes.

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Landlord Insurance Advice

Landlord Insurance Advice

Landlord insurance can protect landlords in the event of fire, theft, loss of rent and more. Whether you’re considering cover or have just taken out a policy, we’ll guide you through the topic of landlord insurance.

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Legal Advice for Landlords

Legal Advice for Landlords

It’s important to approach legal issues carefully to honour your tenants’ rights, so pay attention to the details. Find advice on the most common legal issues landlords face.

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Other

Other

We explore all of the other issues and situations that may arise for landlords, so that you can feel confident and in-the-know.

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Pets

Pets

Should you relax your ‘no pets’ policy, or is an animal-friendly rental a recipe for disaster? We explore the pro’s and con’s of housing tenants furry friends and how to deal with unauthorised pets, complaints and damages.

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Property Access

Property Access

Once you hand over the keys to your tenant, you can’t just turn up and visit your buy-to-let property as and when you like. Here you’ll find advice on the correct protocols to follow when carrying out inspections and guidance on what might constitute too much contact between you and your tenant.

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Property Maintenance & Interiors

Property Maintenance & Interiors

Every landlord wants their rental property to stay in top condition, and tenants may want to decorate their new home. Read our advice about garden and property maintenance, and interiors here.

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Property Occupants

Property Occupants

Squatters and unregistered tenants and guests are more common than you might think, so it’s vital you’re aware of the rules and regulations and how to deal with these issues correctly. We explore the in’s and out’s of squatters rights and secret subletters so that you don’t get caught out.

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Safety Regulations

Safety Regulations

It’s a landlord's responsibility to ensure that a rental property is compliant with all safety regulations - from gas certificates to fire safety measures. Here, we talk about every safety regulation you should be aware of.

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Screening Process

Screening Process

It’s no secret that the screening process is so important to get right, as it’s the foundations to ensuring an easy and simple tenancy. Here, we offer advice regarding applications, credit and background checks – and everything else you may need to know before selecting your future tenants.

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Utilities

Utilities

There is often confusion around the topic of utilities. Even with the tenants’ names on the bill, landlords can still be responsible in some cases. We’ll guide you through the topic of utilities here.

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First time landlords

We are first time landlords and you gave good advice and the process was easy and good value.

A pleasure to deal with

A pleasure to deal with, the lady on the phone was a credit to her company.