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 Landlords10-08-2023
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 […]
How Much Rent Should I Charge?24-07-2023
Deciding on exactly how much rent you should charge your tenants is arguably the most important decision you will make as a landlord. You need to be conscious about there being a fine line to tread between being greedy and being too generous. Your regular rental income is essential to the healthy maintenance of your […]
Buying property through a limited company - pros and cons04-07-2023
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 […]
What is the most a landlord can raise rent?05-05-2023
In England and Wales, there is currently no legal cap to the amount a landlord can raise rent. However, the government has set out rules that you must abide by as a responsible landlord, which we shall delve more into later. You want to ensure that you adopt a fair attitude towards your tenants, […]
A Guide to Tenancy Deposits02-05-2023
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 […]
How much do letting agents charge?28-04-2023
The question of how much letting agents charge is a bit more complicated they 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-find service? Let-only? Rent collection? Or a comprehensive full property management service […]
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 […]
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 […]
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 […]
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 crisis24-11-2022
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 crisis24-11-2022
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 portfolio12-10-2022
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?03-10-2022
With house prices still booming, remortgaging activity is as lively as ever. The question is… Should you be remortgaging too? The spearing arrowhead that is the property market at the moment leaves little room for landlords to rest on their laurels and not hunt for a better mortgage deal. What is remortgaging? In case you’ve […]
How to add value to your rental property30-08-2022
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 […]
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 deductions18-05-2022
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 had 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 […]
What electrical certificates do landlords need?19-11-2021
In 2020, the government introduced a guide to mandatory electrical safety inspections for landlords in a move to improve safety in the private rented sector. There are a number of actions that landlords must take to ensure that they comply with the latest regulations. We’ll fill you in on what electrical certificates you need. What do the Electrical […]
Do you have to pay income tax on rental property?22-10-2021
There are countless things to consider as a landlord. And with the rental market ever-changing with updated policies, it can sometimes be difficult to keep up. It’s without a doubt that one of the main priorities for landlords is to keep any finances in check. Particularly when it comes to taxes. Here we’ll cover everything […]
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 Scheme10-05-2021
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 Landlord03-03-2021
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 […]
How to Work Out Rental Yield?06-01-2021
Whether you have one property or multiple on your books, calculating the rental return on your investments is something that a landlord should not overlook. This is referred to as the rental yield. It is a percentage figure and shows the revenue that you earn, or can expect to earn, from an investment. Landlords and […]
Rent Arrears - Landlord's Rights06-01-2020
As a landlord, the least you expect from your tenants is the rent paid on time – or near enough. Sadly though, running into issues with rent arrears is far more common than any landlord would like it to be. Sometimes there’s a good reason for falling behind on rent and a simple solution to […]
Tax Advice for Landlords15-08-2019
Landlord tax 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 a lucky few. There are many different strands to landlord tax and you need to be aware of them all if you are to get […]
Renovating a Rental Property26-03-2019
Every now and then, it’s a good idea to refresh 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. Before planning an overhaul, big or small, do the maths. What’s the budget? How much […]
Financial Jargon Buster17-12-2018
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 […]
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.
Dealing with tenant and neighbourly disputes in the correct way is so important. Here, we identify the common issues that may arise, such as boundary issues and noise complaints, and the best way in which to resolve them.
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.
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.
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.
It’s important to approach legal issues carefully to honour your tenants’ rights, so pay attention to the details. We’ll give advice on the most common legal issues landlords face.
We explore all of the other issues and situations that may arise for landlords, so that you can feel confident and in-the-know.
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.
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.
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.
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.
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.
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.
Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.
We are first time landlords and you gave good advice and the process was easy and good value.
A pleasure to deal with, the lady on the phone was a credit to her company.