Landlords demand efficiency and cost control for new enforced regulation?

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Landlords demand efficiency and cost control for new enforced regulation?

The government is imposing new regulations on new landlords’ databases. As responsible landlords, we demand efficiency and proportionality in compliance.

A recent excellent article by the property118 team pointed to the disproportionate nature of regulation. >> https://www.property118.com/deposit-disputes-remain-rare-despite-rising-rents-tds/

The data points to the schemes holding 4.7 million deposits amounting to schemes holding £5.5 billion in cash, around £1,100 per tenancy.

Remarkably, only 1% of deposits are disputed, amounting to £55 million in dispute, but the suppliers can presumably earn interest on the deposits. Assuming this is 5% they earn £275 million a year. Five times the disputed deposits simply for putting the deposit in a bank.

So, if the government are demanding new databases for registration of all and bad landlords, these companies have plenty of money to cover their production and already hold 5 million landlord records.

Landlords demand that the government ensure any regulatory databases are provided free for landlords and tenants at the point of use. The money doesn’t need to be found; it is already presumably being made by the companies supplying the DPS schemes.

Let’s hope the government doesn’t run another cash cow for its preferred computer alliance and instead ensures an existing supplier extends their existing landlord database, paid for by existing DPS schemes providers. Free of Charge to cover any new regulation for landlords’ registration. If charges are made, Landlords would likely pass these onto tenants in any case.

What does the Property118 community think?

Paul

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From Stalled Project to Success – How a Landlord Used Bridging to Complete a Deal

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From Stalled Project to Success – How a Landlord Used Bridging to Complete a Deal

Not every property project goes to plan. Unexpected costs, tight deadlines, and lender withdrawals can stall even the most experienced landlord’s plans. This case study shows how bridging finance, when used strategically, turned a stalled project into a success – and highlights the lessons other landlords can learn.

The Challenge

A landlord had agreed to purchase a semi-commercial property at auction. The property required refurbishment before it would qualify for a term mortgage. Their original lender withdrew just weeks before completion, leaving the landlord at risk of losing the deposit and the property.

The Solution – Bridging Finance

An NACFB broker stepped in to arrange bridging finance. The facility provided:

• Fast access to funds to complete the auction purchase on time.
• Up to 70% loan-to-value, with interest rolled into the loan to protect cash flow.
• Flexibility to cover refurbishment works required to bring the property up to mortgageable standard.

The loan term was set at 12 months, giving the landlord time to complete works and plan a refinance.

The Outcome

Within eight months, the property was fully refurbished and re-let. A commercial lender then refinanced the property onto a long-term facility at a higher valuation, allowing the bridging loan to be repaid in full. The uplift in value and income covered the cost of the bridging finance and improved long-term returns.

Lessons Learned

• Always evidence the exit – the refinance was pre-agreed in principle before the bridging loan completed.
• Factor in contingency – the landlord built a budget buffer for unexpected works, avoiding liquidity pressure.
• Use the right broker – the NACFB broker matched the case with a lender comfortable with both the property type and the refurbishment plan.

Why This Matters for Landlords

Bridging finance is not cheap, but in the right circumstances it can save deals and unlock value. This case demonstrates that when applied with discipline, bridging can be a tool for opportunity rather than risk.

Conclusion and Takeaway

Stalled projects do not have to end in losses. With the right broker and lender, bridging finance can turn setbacks into successes. The key is having a clear plan, realistic numbers, and an exit strategy that is achievable and evidenced.

Next Steps

If you would like to explore bridging finance options for your own projects, please complete the short form below and an NACFB member broker will be in touch.

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Published: 24 December 2025

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Council seeks views on plans to license and inspect all HMOs

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Property118

Council seeks views on plans to license and inspect all HMOs

A council has launched a consultation on proposals to introduce additional HMO licensing, which would mean all HMOs in the area would need to be inspected.

Telford and Wrekin Council has launched a 10-week consultation on the proposals and is asking landlords to have their say.

We want to make sure that homes in HMO sector are safe

Currently, in the area, only HMOs accommodating five or more people forming two or more households are subject to mandatory licensing. HMOs housing more than six people also require full planning permission, while those with six or fewer occupants can be established through permitted development rights.

The proposed Article 4 direction would remove the option for landlords of smaller HMOs to use permitted development rights, meaning planning permission would be required for any new HMO regardless of size. The council has said existing HMOs would be unaffected by the planning changes.

The council claim the proposals would allow it to identify the location of all new HMOs, while the additional licensing scheme would focus on improving safety and hazard compliance among landlords.

Councillor Richard Overton, Deputy Leader of Telford and Wrekin Council and Cabinet Member for Highways, Housing and Enforcement, said: “We want to make sure that homes in the HMO sector are safe, well-managed and meet fair standards, and the proposals we’ve put forward are designed to help us achieve that.

“The consultation is now live, and this is the moment when people’s voices are essential. Nothing has been decided yet, and we need residents, landlords and community organisations to tell us what they think so that any future approach is balanced, transparent and genuinely shaped by local people.”

Landlords in the area can view the consultation on Article 4 directions by clicking here and additional licensing by clicking here.

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