November newsletter: Market trends, tips & new instructions

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How new rental regulations are reshaping the UK lettings market

In 2025, new regulations, including the Renters' Rights Bill, are reshaping the UK lettings market. These changes aim to improve tenant protections and create a more balanced relationship between landlords and tenants. Here’s how these new regulations will impact landlords and tenants alike.

1. Abolition of 'No-Fault' Evictions

The Renters' Rights Bill abolishes Section 21 ‘no-fault’ evictions, offering tenants greater security. Landlords can still evict tenants for specific reasons, such as rent arrears or property sale, but must follow proper legal procedures. This shift provides tenants more stability in their homes, while landlords need to ensure they follow the new processes for eviction.

2. Introduction of Periodic Tenancies

Fixed-term assured shorthold tenancies are replaced with periodic tenancies, offering tenants more flexibility. Under this system, tenants can remain in properties indefinitely, with the option to give two months' notice to vacate. Landlords will need to adapt to this more flexible tenancy structure.

3. Rent Increase Regulations

Rent increases will now be strictly regulated. Landlords can only raise rents once a year, with increases needing to reflect market conditions. This change ensures fairer rent practices and gives tenants more stability. Landlords will need to carefully consider rent adjustments in line with these new rules.

4. Restrictions on Rent in Advance

The Renters' Rights Bill limits the amount of rent that can be requested in advance, capping it at one month's rent. This regulation prevents landlords from requiring large upfront payments, making it easier for tenants to secure rental properties.

5. Right to Request Permission for Pets

Tenants now have the right to request permission to keep pets, with landlords only allowed to refuse for valid reasons. This change ensures that tenants have more freedom to live with pets while providing landlords the option to request pet insurance to cover potential damages.

Conclusion

The Renters' Rights Bill and new rental regulations are transforming the lettings market, giving tenants more security and improving rental fairness. Landlords must stay informed about these changes to ensure compliance and maintain positive relationships with tenants, as these new regulations are just the beginning of a broader shift towards a more balanced rental system.

What tenants want in 2025: key trends for landlords

In 2025, tenant expectations are shifting, and landlords need to stay ahead of these trends to remain competitive. From sustainability to flexibility, here’s a look at what tenants are looking for and how landlords can meet these demands.

1. Sustainability and energy efficiency

Tenants are increasingly prioritising energy-efficient homes due to rising energy costs. Properties with high EPC ratings, double glazing, and efficient heating systems are in high demand.

Tip for landlords: Consider making energy-efficient upgrades like smart thermostats or LED lighting to attract eco-conscious renters and stay compliant with future environmental regulations.

2. Flexible lease terms

With remote work still prevalent, tenants want flexibility in their rental agreements. Shorter leases or periodic tenancies are becoming more popular, offering tenants freedom to adjust to changing circumstances.

Tip for landlords: Offering flexibility in lease terms can make your property more attractive to tenants who value mobility.

3. Home office space

Remote and hybrid working is here to stay, so tenants need space to work from home. A dedicated office space or extra room for a desk is a key priority.

Tip for landlords: Ensure your property has a flexible layout or provide an extra room that can easily be adapted into an office to appeal to these tenants.

4. Pet-friendly rentals

With more people adopting pets, pet-friendly properties are increasingly sought after. Many tenants are looking for homes where they can live with their pets.

Tip for landlords: If you’re open to pets, establish clear pet policies, such as a pet deposit or insurance, to keep your property protected.

5. Good connectivity and local amenities

Tenants continue to value properties near good transport links, shopping, schools, and high-speed internet access.

Tip for landlords: Ensure your property is well-connected and provides access to local amenities to meet tenant expectations.

Conclusion

Understanding the trends shaping tenant preferences in 2025 will help landlords stay competitive. Offering energy-efficient features, flexible leases, home office space, and pet-friendly options will make your property more appealing to today’s renters.

Winter woes? How landlords can help tenants keep warm

Protect Your Property and Income This Winter

Winter is coming, and with it, the inevitable rise in heating bills. For landlords, this can mean tricky conversations with tenants struggling to pay. But before you panic, take a breath: there are ways to protect your property, your income, and even your tenant relationships.

Spot Early Warning Signs

A missed, or partial rent payment isn’t the end of the world, it’s a signal. The sooner you spot it, the easier it is to tackle the issue before it escalates. Friendly, open communication can prevent misunderstandings and build trust.

Consider Payment Plans

Flexibility is your friend. Spreading arrears over a few months can help tenants stay on top of bills while keeping your rent income steady. A clear, written agreement ensures everyone knows what to expect and avoids future headaches.

Eviction Isn’t Your Only Option

Eviction is stressful, costly, and often unnecessary. Temporary rent reductions, deferred payments, or other creative arrangements can bridge the gap until tenants get back on their feet. Sometimes, a little patience goes a long way.

Point Them Towards Support

Local councils, charities, and government schemes offer help with winter energy bills. Giving tenants the right guidance can prevent arrears from spiralling, and it shows you care.

A Little Planning Goes a Long Way

Winter is unpredictable, but a proactive approach pays off. Spot the signs early, talk openly, and explore alternatives - your tenants stay warm, and your property stays protected.

Need guidance on handling arrears or winter support?

Speak to us for practical, friendly advice tailored to your goals.

Gazumping and gazundering: November market realities

Protect Yourself from Last-Minute Property Deal Disruptions

As the autumn property market transitions into winter, transactions face heightened uncertainty. Here's your essential guide to protecting yourself from last-minute deal disruptions in the UK housing market.

The British property market's seasonal rhythms can create perfect storms for deal disruptions. As November arrives with shorter days and holiday distractions looming, buyers and sellers across England, Wales, and Northern Ireland find themselves navigating increasingly treacherous waters where verbal agreements can evaporate overnight.

Understanding the Double-Edged Threat

Gazumping occurs when sellers suddenly demand higher prices just before contracts exchange, typically after receiving a competing offer. Conversely, gazundering sees buyers slash their offers at the eleventh hour, exploiting sellers' desperation to complete before Christmas or year-end deadlines.

These practices intensify during Britain's autumn market cooldown. UK buyers grow cautious about committing to major purchases as economic uncertainties mount, while sellers face mounting pressure to complete transactions before the traditional pre-Christmas slowdown takes hold.

The Legal Reality Check

The English and Welsh property systems operate under uniquely vulnerable frameworks where verbal agreements carry no legal weight. Until contracts are formally exchanged, often months after the initial agreement, either party can withdraw or renegotiate without penalty. This legal limbo creates opportunities for unscrupulous behaviour that can cost victims thousands in wasted solicitor fees, survey costs, and emotional distress.

Unlike Scotland's more secure system where initial offers become legally binding once accepted, or Northern Ireland's similar protections, the English and Welsh property laws leave buyers and sellers exposed to last-minute manipulation right up to exchange day.

Strategic Defence Tactics

Smart UK sellers can significantly reduce their vulnerability through proactive measures. Establishing clear timelines with firm exchange dates creates accountability and urgency. Requesting comprehensive financial documentation upfront-including mortgage approvals in principle from UK lenders and deposit proof-helps identify serious buyers from time-wasters.

Consider implementing exclusivity agreements or lock-in periods that provide limited protection during critical negotiation phases. While not foolproof under English and Welsh law, these formal arrangements demonstrate commitment and create psychological barriers to withdrawal.

Reading the Buyer’s Playbook

November buyers across the UK often employ specific psychological tactics. Some deliberately delay decisions, hoping sellers will panic as Christmas approaches and the traditional January market restart looms. Others manufacture urgency around fictional competing offers or suddenly discovered property defects following their RICS survey.

Experienced British sellers recognise these patterns and respond with measured confidence rather than desperation. Maintaining alternative buyer options and understanding true local market values provides crucial leverage when facing last-minute pressure tactics.

Stay informed about current UK market conditions and seek guidance from qualified estate agents and solicitors to protect your property investment.

Stay ahead of the market and get expert guidance today

Auction properties: November bidding strategies

Research Your Target Properties

Look beyond the surface: review title deeds, check planning permissions, and identify any legal or structural complications. Autumn’s fading light may hide certain property flaws, so arranging a thorough inspection before the auction is essential. Knowing your property inside out gives you confidence at the bidding table.

Get Your Finances in Order

Auctions move fast, and completion deadlines can be tight. Ensure your finances are pre-approved, whether you’re using a mortgage, bridging loan, or cash. Early winter can create unexpected delays - from solicitor availability to bank processing times - so having everything ready is key. A prepared buyer is not only faster but also more attractive to sellers.

Understand Bidding Psychology

Auction rooms (and online platforms) are as much about psychology as property. Watch the room for hesitations and momentum and set a firm limit to avoid overbidding in the heat of the moment. Early winter auctions often see fewer competitors than peak summer months, giving savvy buyers an advantage if they remain disciplined.

Plan for Completion

Successful bidding is only half the battle. Completion deadlines in November can be tricky, particularly around bank holidays or early winter disruptions. Have a solicitor lined up, all documentation ready, and a clear timeline for deposits and final payments. Preparation avoids last-minute stress and ensures you move in on schedule.

Leverage Professional Support

If you’re new to auctions or facing particularly complex properties, professional guidance can make a huge difference. Auctioneers, surveyors, and solicitors with experience in early winter sales can help spot risks, advise on bidding limits, and streamline completion.

Stay ahead this auction season - seek expert advice and smart bidding strategies.

Interest-only mortgages: November maturity planning

Understanding Your Repayment Obligations

An interest-only mortgage requires only interest payments during the term, leaving the capital to be repaid at maturity. As November arrives, many borrowers are approaching this key milestone. Knowing your repayment options now can prevent last-minute stress and financial strain.

Repayment Strategies

There are several ways to manage the capital repayment:

Remortgaging: Switching to a new mortgage, either interest-only or capital repayment, can provide breathing room and potentially better rates.
Equity release: If your property has increased in value, releasing some equity can settle the loan while keeping you in your home.
Downsizing: Selling your property and moving to a smaller home can free up cash to repay the mortgage in full.
Savings or investments: Using a dedicated savings plan or investment returns can be the simplest solution.

Weighing Your Options Carefully

Each option carries pros and cons. Remortgaging may involve fees and new affordability checks, while downsizing impacts lifestyle. Equity release reduces future inheritance, and using savings may limit liquidity. Taking the time this November to review your financial position and seek professional advice ensures you make the right decision.

Planning Ahead

Act early: Lenders appreciate proactive communication and can offer tailored solutions if approached in advance.
Seek expert guidance: Mortgage advisers and financial planners can help analyse which route suits your long-term goals.
Consider timing: November is ideal to plan ahead of the year-end, giving flexibility before seasonal pressures.

Secure your future - plan your mortgage carefully and act proactively this winter.