LI Magazine 77th Edition by Landlord Investor Magazine

A warm welcome to the 77TH Edition of Landlord Investor Magazine.

A very warm welcome to Issue 77 of Landlord Investor Magazine. What a year it has been, to say the least! Events in the sector have moved at a dizzying pace, and there are still many questions to be answered in the coming 12 months. It has been a busy year at LIS Media too, with six major shows, the intoduction of LI Training Days, and the return of the LIS Awards in late November. You can read more about these, as well as my thoughts for the coming year, in Show Update (P6–14). We’ve also just announced the dates for the Landlord Investment Show in 2025, expanding our roster to seven shows to better support the landlordinvestor community. Full details are also available in Show Update. In this issue: I’ll explain why We Come Bearing Gifts; Reece Mennie gives an appraisal of the Autumn Budget and Key Takeaways for Landlords; Gavin Richardson explores The Budget Aftermath: Where Do We Stand?; Oliver Barlow discusses Awaab’s Law: Ensuring Safe and Decent Housing; Marc Riley suggests Hold On to Your Hat, and Your Portfolio; Paul Shamplina reflects upon the past year with 2024: A Rollercoaster Year for Landlords; Kam Dovedi gives us 5 Key Ways the Current Economic Climate is Shaping the UK Property Market; and we speak to Konrad Fox about how CloudInvest are Bringing High-Yield Opportunities to Everyday Investors. I trust you find the content in this edition helpful. LI Magazine and the National Landlord Investment Show were created to keep our audience informed and connected with people and organisations that can genuinely assist with the complexities of being a private rental landlord - especially in the current climate. As for me, my next challenge will be the annual shimmy up the ladder to the loft for the Christmas decorationsa little nervous, but necessary! Wishing you all the very best in health and prosperity for the festive season and 2025. TH

In this issue...

Show Update

We come bearing gifts

Show Update

Celebrating The National LIS Awards 2024

Investment Autumn Budget, Key Takeaways for Landlords

22 26 28 10 16

32 34

Investment The Budget Aftermath: Where do we stand?

Home Safety

Awaab’s Law: Ensuring Safe and Decent Housing

Outlook Hold on to your hat, and your portfolio

Outlook 2024: A rollercoaster year for landlords

Outlook 5 Key Ways the Current Economic Climate is Shaping the UK Property Market

Investor Spotlight Bringing High-Yield Opportunities to Everyday Investors

LANDLORD INVESTOR MAGAZINE

Editor Tracey Hanbury

Design

Marc Riley

Social Media

Charlotte Dye

Printing

IOP Marketing

www.landlordinvestmentshow.co.uk | Follow us on...

PLEASE NOTE: The National Landlord Investment Show, LIS Media and Landlord Investor Magazine are content aggregators only. Views, statements and opinions expressed in articles, reviews and other materials herein are those of the authors, exhibitors and third-party contributors and not the editors and publishers of LI Magazine. Under no circumstances does the content of this publication constitute investment or legal advice. We do not undertake to advise individuals or organisations upon investment strategy. All investments should be approached with caution under professional guidance. While every care has been taken in the compilation of this publication and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. LIS Media Limited and our contributors will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through the promoted links. Published by LIS Media, Registered address: Foresters Hall, 25-27 Westow Street, London SE19 3RY. © 2024 LIS Media Ltd.

Meet the team

TRACEY HANBURY CO-FOUNDER / DIRECTOR

Team: Donegal GAA

Song: Galway Girl, Steve Earle

Film: Dirty Dancing

Food: Indian

Likes: A busy show - can’t beat it

Dislikes: Rudeness

Fave thing about LIS: Building client relationships

KIERAN MCCORMACK SALES DIRECTOR

Team: Manchester United

Song: Bonkers, Dizze Rascal

Film: American Gangster

Food: Indian

Likes: Family time, Man Utd, golf

(not necessarily in that order)

Dislikes: Tinned sweetcorn

Fave thing about LIS: No day is the same (hence the song choice)

CHARLOTTE DYE HEAD OF CLIENT RELATIONS & OPERATIONS

Team: Spurs

Song: The view from the afternoon, Arctic Monkeys

Film: E.T

Food: Chinese

Likes: Anything four legged and furry

Dislikes: Clowns and Spiders

Fave thing about LIS: Office cuddles with Ollie

ALICIA CELA HEAD OF ACCOUNTS

Team: Barcelona FC

Song: Hotel California, The Eagles

Film: Shawshank Redemption

Food: Anything Spanish (I'm very biased lol)

Likes: Cooking great food

Dislikes: Liars. Oh, and liver (can't stand it)

Fave thing about LIS: Socialising with the whole team

LEWIS HANBURY CONTENT CREATOR

Team: Crystal Palace

Song: Fire in Cairo, The Cure

Film: Star Wars, A New Hope

Food: Pasta

Likes: Filming

Dislikes: Editing

Fave thing about LIS: My colleagues

STEVE HANBURY CO-FOUNDER / DIRECTOR

Team: Crystal Palace

Song: Plastic Dreams, Jaydee (Original)

Film: Goodfellas

Food: Indian

Likes: Team meetings in the pub

Dislikes: Bad manners

Fave thing about LIS:

Show day (as anything can happen)

MARC RILEY CREATIVE DIRECTOR

Team: Letterkenny Shamrocks

Song: What’s going on? Marvin Gaye

Film: The Sound of Music

Food: Sea

Likes: Clean typography

Dislikes: Last minute edits

Fave thing about LIS: The website

JACOB HANBURY SALES EXECUTIVE

Team: Crystal Palace

Song: Michael Bibi - Got the Fire

Film: Step Brothers

Food: Sunday roast

Likes: Skiing, Gym, Crystal Palace

Dislikes: Dirty finger nails

Fave thing about LIS: Great atmosphere at the shows

Team: Millwall

WILL LIDDY SALES EXECUTIVE

Song: Never too much, Luther Vandross

Film: Carlito’s way

Food: Italian

Likes: Friends and family, also the pub

Dislikes: People who wear shorts in winter

Fave thing about LIS: Socializing with the Team and clients

VICKY BRAMPTON SALES EXECUTIVE

Team: Spurs (fairweather)

Song: John legend, Ordinary people

Film: Beverley Hills Cop

Food: Roast Dinner (loads of gravy)

Likes: Holidays in the sun and family time with lots of laughter

Dislikes: Rudeness

Fave thing about LIS:

Meeting New and interesting people

BOOST YOUR BRAND IN 2025

TRACEY HANBURY EDITOR & SHOW FOUNDER

WE COME BEARING GIFTS

The

UK's Private Rental Sector continues to navigate a landscape shaped by multiple shifting factors. As we look toward 2025, landlords and investors face a mix of opportunities and challenges, but we're here to help with a roster of 7 major shows throughout the year.

Iknow I say this every December, but that was quite a year, and as 2024 draws to a close, it's time to take stock of the changes the year has brought to the sector.

The Labour Party has long been critical of the Private Rented Sector, and under the current leadership, has pledged to introduce a raft of amendments under the banner of the Renters' Rights Bill.

The party's proposals for rent controls, the abolition of Section 21 (no-fault evictions), and increased regulation are viewed by many landlords as measures that could reduce their ability to manage properties effectively and profitably. Rent controls, in particular, are seen as a threat to rental income, while the removal of no-fault evictions could limit landlords' flexibility in dealing with problematic tenants or those who fall behind on rent. Additionally, Labour's emphasis on increased tenant rights and housing affordability is often interpreted by landlords as an increased regulatory burden that could make property investment less attractive.

For the sake of clarity, we fully support the idea of a more stable and fair rental market, but there is a very real concern that these policies may inadvertently reduce the supply of private rental housing by pushing more landlords out of the market.

The outlook for private rental landlords in the UK in 2025 is complex, to say the least. Rising costs, regulatory reforms, and evolving tenant

expectations present challenges, but these are counterbalanced by strong rental demand and opportunities for those willing to invest in compliance and property quality. For landlords prepared to adapt, the PRS remains a viable and potentially rewarding investment in the years ahead.

The mantra for many years now has been the call for ‘increased professionalisation’, which again we fully support. However, that doesn’t necessarily happen organically or overnight, and education will be crucial in enabling the adaptation required. The National Landlord Investment Show has always seen itself as a conduit for steering professional landlords toward the education and support they need to adapt and grow.

We don't take our position lightly, and we will continue to support the landlord and investor community with an increased roster of seven shows across the country in 2025. Dates and locations are below, and you can already register your interest to attend via our website.

I'll finish by thanking everyone who made our 2024 shows such a resounding success. Attendance was through the roof, which is likely reflective of what I've just discussed - you can see snapshot of past year overleaf. Wishing you all the very best for the festive season. Wherever you are, and however you celebrate, I hope you enjoy. All the very best for 2025.

The National Landlord Investment Show has always seen itself as a conduit for steering professional landlords toward the education and support they need. We don't take our position lightly, and will continue to support the landlord investor community with an increased roster of seven shows in 2025.

TRACEY HANBURY EDITOR & SHOW FOUNDER

CELEBRATING THE NATIONAL LIS AWARDS 2024

Honouring the shining stars of the landlord and property investment sector, the National LIS Awards made a return to London on November 28, hosting a dazzling celebration of excellence within our industry.

Wow, what can I say?

The return of the National LIS Awards on November 28th at De Vere Grand Connaught Rooms was nothing short of stunning.

The magnificent art-deco hall was packed with people from all corners of the property and investment sector celebrating our industry, some great work and most importantly the people. Ian Collins did a fantastic job of hosting and our comic for the evening, Judi Love, had the room in rapturous laughter. Brilliant work Judi and thanks for making all of our winners feel so special.

The live music gave the evening a fabulous twist and again proved that award shows don’t have to

be stuffy affairs, and that as a sector we really know how to enjoy ourselves. A huge thank you to the Masquerade Duo and Quike Navarro for adding such a flourish to the night. I could go on, but the pictures overleaf really do say it all.

Finally, and most importantly, we’d like to thank all of our winners, nominees, sponsors, judges, entertainers, guests and staff for a truly spectacular evening.

You can see a full list of our 2024 winners and see some fantastsic pics 0f the evening overleaf.

Once again, thank you.

Most importantly, we’d like to thank all of our winners, nominees, sponsors, judges, entertainers, guests and staff for a truly spectacular evening.

WE'D LIKE TO CONGRATULATE OUR 2024 LIS AWARDS WINNERS

Best Accounting and Tax Services for Landlords DNS Accountants

Lettings Agency Sponsored by TDS

REECE MENNIE FOUNDER & CEO, HJ COLLECTION

AUTUMN BUDGET, KEY TAKEAWAYS FOR LANDLORDS

Chancellor Rachel Reeves delivered the first

Labour Budget in 14 years, announcing several new measures that will directly affect landlords.

Despite capital gains tax (CGT) remaining unchanged, the budget announcement saw stamp duty land tax (SDLT) raised on second homes from 3% to 5%, meaning some landlords could face difficulty when looking to expand their portfolio.

The increase means that, on properties purchased between the 24th October 2024 and 31st March 2025, SDLT will be significantly higher. Meaning if you are buying a second rental property that costs £300,000, you will have to pay a £15,000 SDLT fee. A substantial increase from the previous rate, which would have been £9,000 pre-budget.

Many people who may have thought that becoming a landlord would secure financial security may now be considering their decision with some trepidation. Especially given the everchanging storm of high interest rates, mortgage market uncertainty and cost-of-living crisis, they have already had to endure. Many will and have been selling up and leaving the rental market altogether.

This could be catastrophic for lowincome tenants, as the availability of rental properties nosedives, increasing demand, which in-turn would only drive-up rent bills, leaving many at serious risk of becoming homeless –the exact opposite of the “security and sustainability” that Rachel Reeves has set out to achieve.

The bad news doesn’t stop there. Landlords will see the IHT freeze end in 2030, which means in addition to the 2% rise in stamp duty, any decision to expand their property portfolio must be carefully considered.

Savvy investors are therefore exploring alternative property investments, which negate maintenance, tenant management or additional fees. Property bonds, for example, are a viable alternative to buy-to-let (BTL). Not only can they be asset-backed, meaning there are always underlying assets to generate returns, but they also yield some of the most attractive returns available to investors. Furthermore, they do not burden investors with the day-today hassles associated with directly owning a property. Put simply, property bonds offer the best of both worlds: appealing fixed returns with the peace of mind that comes with ‘bricks and mortar’.

Reflecting on this Budget, the government has missed a trick by not supporting landlords and incentivising them to invest in the property market. This will only exacerbate the a “landlord exodus”, a costly mistake that will only impact those who need rented accommodation the most i.e. families and those entering the job market.

Reece Mennie

Savvy investors are therefore exploring alternative property investments, which negate maintenance, tenant management or additional fees.

Property bonds, for example, are a viable alternative to buy-to-let (BTL).

GAVIN RICHARDSON MANAGING DIRECTOR, MFB

THE BUDGET AFTERMATH: WHERE DO WE STAND?

In the wake of Labour's Budget, Gavin Richardson looks at how the key announcements will shape the PRS and how landlords can navigate the tax hikes.

Well, Labour’s Budget was as brutal as expected, and the surprise Stamp Duty announcement has certainly given landlords and brokers plenty to think about.

Whilst the government has undoubtedly dealt the sector a blow with its tax changes, it's essential we look at what this means for you day-to-day and what property investors can do to navigate these announcements.

The Stamp Duty Surcharge Hike

The most significant announcement for landlords was the surprise and immediate increase to the Stamp Duty surcharge on second homes and buy to let properties from 3% to 5%.

There is nervousness that the rise will cause some purchase transactions to fall through, and it’s fair to say that the additional cost will deter some landlords from future investment.

What I don’t want to happen is for the media to sensationalise the impact this tax increase will have on the private rental sector (PRS). We're not going to see a mass ‘step back', so to speak, of landlords investing in new rental properties. From speaking to our clients, it’s likely that your peers will become more discerning over their investment choices.

Similarly, I imagine many of you will approach your new rental agreements with increased caution. With the incoming Renters’ Rights Bill legislation changes, landlords were already gearing up to be more vigilant with the tenants they select. The government has dealt us this hand, and, speaking as a landlord myself, we’ll now have to act with increased caution.

There’s also a key point here for landlords looking at their next investment. It’s more important than ever to work with a broker. Just days after the Budget, we saw multiple lenders pulling mortgage rates, and it took longer than usual for products to be re-added to the market. Finding the best deal is essential to ensuring your property portfolio is running effectively, and you’ll have to work the additional Stamp Duty costs into your modelling. Have one of our experts complete a Property Portfolio review to see where you could save money and find out which opportunities could boost your portfolio.

The good news

Capital Gains Tax (CGT) stays the same

Now for some good news from the Budget. Despite the rumours, Rachel Reeves chose not to change the CGT rate on residential property. Instead, the rate of CGT on shares and other assets rose from 10% to 18% for lowerrate taxpayers and 20% to 24% for higher-rate payers.

Where do we stand

What Reeves didn’t announce in the Budget are the Stamp Duty threshold changes coming in April 2025. The first-time buyer (FTB) 0% threshold will reduce to £300,000, meaning many would-be FTBs will rely on rental properties for longer, so demand will remain strong. Rents will stay on their upward trajectory, and rates will continue to soften, mitigating the initial Stamp Duty costs. Strong demand, steady rents and cheaper borrowing: there’s no doubt in my mind that we can’t handle this.

The most significant announcement for landlords was the surprise and immediate increase to the Stamp Duty surcharge on second homes and buy to let properties from 3% to 5%.

OLIVER BARLOW

NATIONAL ACCOUNT MANAGER

AICO

AWAAB’S LAW: ENSURING SAFE AND DECENT HOUSING

The

tragic death of Awaab

Ishak shocked

the nation and led to the implementation of Awaab’s Law. Awaab was just two years old when he died in December 2020 as a direct result of exposure to mould in the social home that his family rented. His parents raised concerns about their living conditions multiple times, yet the landlord failed to act and even placed blame on the family for their living conditions.

Awaab’s Law, which was introduced in the Social Housing Regulation Act 2023, requires landlords to investigate and fix reported health hazards within specified timeframes. The new rules will form part of social housing tenancy agreements so that tenants can hold social housing providers accountable if they fail to provide a decent home. The campaign for Awaab’s Law, launched by his parents, means tenants can no longer be dismissed and will have the law on their side when landlords fail to act.

The UK government plans to extend Awaab's Law to the private rented sector via the Renters' Rights Bill. As of December 2024, the Renters' Rights Bill, which includes provisions to extend Awaab's Law to the private rented sector, is progressing through Parliament. The Labour government, holding a majority, anticipates the bill could become law in the first half of 2025, though this timeline may be subject to change.

New Requirements for Landlords Under Awaab’s Law

Under Awaab’s Law, landlords must investigate 29 potential hazards, as defined by HHSRS, within 14 calendar days and provide a written summary of findings within 48 hours of completing the investigation. This summary should include a timeline for repairs and a schedule of work.

If a significant health risk is identified, repair works must start within 7 days of the summary and be completed reasonably, considering the resident’s needs. Emergency repairs must be completed within 24 hours. If a hazard can't be resolved within these timeframes, alternative accommodation must be arranged for the residents. Timelines for repairs should reflect the

urgency of the issue, such as prioritising heating repairs in cold weather. All records of compliance efforts, correspondence with residents, and contractor interactions must be kept.

How Landlords Can Meet Damp and Mould Requirements

To comply with Awaab’s Law, landlords should conduct regular property inspections and communicate with tenants to ensure good living conditions and identify areas for improvement. Landlords and tenants must be educated on the factors influencing damp and mould in the home, so the issues can be promptly addressed. Landlords must be transparent about structural problems and take responsibility if they arise.

How Aico Products Support Compliance with

Awaab’s Law

Aico’s Ei1000G Gateway is the hub of their HomeLINK Connected Home Solution. The Gateway works with connected fire and carbon monoxide (CO) alarms, and HomeLINK Environmental Sensors, to gather realtime data on fire safety compliance and environmental risk factors.

HomeLINK Environmental Sensors work in conjunction with the Gateway to monitor temperature, humidity and indoor air quality – giving insight into issues such as damp and mould, fuel poverty, void risk, energy efficiency and compliance. Fire and CO alarms can also be connected, providing information on an alarm’s activations, power status, replacement date, testing, battery levels, and faults, remotely through the online portal.

Implementing such technology allows landlords to improve compliance while creating safer homes for residents. With the HomeLINK Portal, landlords can

streamline their operations by having access to the necessary insights for early intervention, thus saving time and reducing call-out costs.

The HomeLINK App for Residents syncs with the information on the portal but simplifies it in a way that tenants can easily understand. Once downloaded by the resident, the app can send them alarm testing reminders and provide suggestions on how to improve their home’s conditions, such as opening or closing windows within the property.

The Importance of Complying with Awaab’s Law in the Rented Sector

Compliance with Awaab’s Law is essential to protect residents' wellbeing and uphold landlords' housing standards. Non-compliance may lead to legal action from tenants. This law is being implemented because of Awaab’s tragic death, linked to the landlord's negligence.

To comply with Awaab’s Law, landlords should conduct regular property inspections and communicate with tenants to ensure good living conditions.

MEASURES .

THE CONNECTED HOME SOLUTION

A proven and scalable solution for the challenges faced by social housing providers, while generating a return on investment. The HomeLINK Connected Home Solution assists with: damp and mould Pinpointing

Scan

Takeaways from the National Landlord Investment Show in 2024.

With a pincer movement of rising interest rates and increased regulation, many had predicted an exodus of landlords from the private rental market throughout 2024 and into 2025. The Renters’ Reform Bill had reached 2nd reading in Parliament and was heading towards legislation when the Tory Party's tenure expired, causing it to grind to a halt and be reborn as the Labour Party’s more austere Renters’ Rights Bill. The first Labour budget in 14 years did little to soothe concerns of private rental landlords. There were certainly no breaks, unless you view a freeze on property CGT as such. Even without an increase, the current rate still serves to penalise those looking to exit the market. Ditto those looking at expanding, with an increase from 3 to 5% Stamp Duty when purchasing a second property. In short, the days of buying a second property as a selfmanaging buy-to-let are all but a speck in the rear-view mirror, and it is hard not to feel private rental landlords are being punished.

Let’s get it into perspective though. The UK private rental market is worth around a staggering £1.5 trillion, possibly more. That’s a huge chunk of anyone’s economy, and one which has propped-up the UK when other components have floundered. Despite successive governments pledging radical increases in housing stock, to date, none have delivered since the post war boom of the 1950s. There’s still a housing shortage, people still need homes and someone has to own them. So unless the government propose a wholesale transfer of

The UK private rental market is worth around a staggering £1.5 trillion, possibly more. That’s a huge chunk of anyone’s economy.

£1.5 trillion worth of assets to the public sector at market rates, then there remains a solid requirement for private rental investors and those who are prepared to undertake the management of said investment.

To bolster the above sentiment, interest rates are predicted to lower over 2025, making it potentially cheaper to borrow. So financing is likely to be more favourable for investors, and the housing gap has still to be filled.

Like any long-term investment, the associated costs of servicing and valuation path is cyclical. As are the checks and balances which surround it, and the Renters’ Rights Bill could be viewed as a symptom of this.

Not to diminish the Bill’s impact, of course, it is likely to constitute significant change to what BTL

landlords have grown accustomed, but Increased professionalisation should be viewed as a good thing. For starters, it will weed out the less committed and should go some way to address the unjustified negative view the government and media seem to hold of the entire Private Rented Sector. Running a business, any business, has tolerances and conduits through which it has to operate, and the PRS is no different.

Again, It is hard not to feel the private rented sector is being penalised, but the writing is on the wall in black and white. Change may be afoot, and the sector may be in for a bumpy ride, but the smart choice is to hang on to your hat, and your portfolio. As regulatory changes begin to land there will be no shortage of education resources available, so get to grips with the changes in legislation, and If you can look at expanding your asset base then go for it. After all, interest rates are still relatively low when you consider the 50-year average to be around 7%.

Education and information are at the heart of the Landlord Investment Show proposition, so keep an eye out for our events and our dedicated news portal PropertyNotify

The key takeaway from the National Landlord Investment Shiow in 2024 is that bricks and mortar are still very much in demand, and that the market is ripe for investors with the right approach.

Wishing you the very best on your (continued) property investment journey in 2025. MR

PAUL SHAMPLINA CHIEF COMMERCIAL OFFICER

TOTAL PROPERTY

2024: A ROLLERCOASTER YEAR FOR LANDLORDS

Can we hope for stability in 2025?

The year 2024 has been an unpredictable journey for UK landlords, and as founder of Landlord Action, I can tell you – it’s been exhausting. Just as we thought we’d settled into some kind of “new normal,” another change came bounding down the track. From tax changes to the twists and turns of an election year, it’s been a constant game of adaptation, and – for many –sheer perseverance. I’ve worked with so many landlords who are throwing the towel in and it’s such a shame when they have been professional landlords for many years with fantastic properties which renters are sadly now going to miss out on. Here I take a look at the past year and what we can expect in 2025.

January: Leasehold and freehold reforms

2024 began with the Leasehold and Freehold Reform Bill reaching the committee stage, stirring anticipation across the sector. Aimed at simplifying the process for leaseholders to extend leases and buy freeholds, the Bill could significantly alter the property market, especially if more tenants exercise these new rights.

March: Spring Budget – A bit of relief, but more tax burdens

The Spring Budget in March was a mixed bag for landlords. We got a slight break with a reduction in the Capital Gains Tax (CGT) rate on property, which went from 28% down to 24%. Not massive, but in a year like this, we’ll take what we can get. However, the budget also cut multiple-

dwelling relief, meaning anyone buying more than one property now pays full stamp duty on each. And while selfemployed landlords caught a small break with cuts in National Insurance, the big question was – where’s the real support that will make landlords stay in this market?

April: Another hit on capital gains allowances

The downward shift in tax-free capital gains allowances in April was another hit, halving the threshold from £6,000 to £3,000. Landlords, already facing tighter budgets due to rising costs, are seeing their returns further trimmed, raising concerns about the viability of smaller investments in buy-to-let properties.

May and July: Election mayhem and the Leasehold and Freehold Reform Act

The political landscape was rocked by Prime Minister Rishi Sunak’s announcement of a snap general election, which led to the dissolution of Parliament in May. During this time, the Leasehold and Freehold Reform Act was passed, introducing crucial changes that make it easier for leaseholders to purchase freeholds and extend leases while strengthening tenants’ rights to challenge landlords over service charges. However, the anticipated Renters (Reform) Bill, which proposed ending “no-fault” evictions and implementing a landlord register, was shelved temporarily. This delay gave landlords a brief reprieve, but Labour’s subsequent election victory signalled that change was still on the horizon.

The downward shift in tax-free capital gains allowances in April was another hit, halving the threshold from £6,000 to £3,000. Landlords, already facing tighter budgets due to rising costs, are seeing their returns further trimmed, raising concerns about the viability of smaller investments in buy-to-let properties.

August: Labour wins –The landlord landscape shifts

With Labour’s victory, a new era of renter-centric policies emerged, placing additional pressure on landlords. The Labour Government’s focus on tenant protection has intensified regulatory demands, potentially pushing some property owners out of the market. Despite Labour’s promises to keep policies balanced, many landlords remain wary, with concerns over increased restrictions and compliance requirements.

September: Labour’s Renters’ Rights Bill

In September, Labour introduced its updated version of the Renters’ (Reform) Bill, the Renters’ Rights Bill. This legislation confirmed the end of “no-fault” evictions and restrictions on rental bidding wars, while raising the arrears threshold and extending notice periods for eviction. Although these changes limit landlord flexibility, they also provide clearer guidelines on property repossession, to make sure that landlords retain some recourse when necessary.

October: Autumn Budget brings a stamp duty shock

Then came the Autumn Budget, and another curveball: a two per cent stamp duty hike on second homes and investment properties. Effective immediately, it took the rate to five per cent, making it even harder for new investors and second-home buyers to enter the market. This was the last thing we needed, with mortgage rates already squeezing budgets. We’re now seeing more properties come to market, especially in areas heavy with second homes, which could mean fewer choices for renters as supply and demand shift yet again.

Looking to 2025 –A chance for stability?

With over 4.6 million homes in England relying on the private rental sector, the exodus of landlords this year is a worrying trend. If policy keeps heading in this direction, I’m genuinely concerned about what’s left for tenants who rely on private rentals. Less supply, higher rents, and fewer options aren’t good for anyone, especially low-income renters.

BOOST YOUR BRAND

Despite a tough 2024, I’m hopeful that 2025 could offer at least some stability. I’m gearing up to launch educational workshops to help landlords understand policy changes and find new ways to navigate this challenging market. And while I’m often asked how I find the time for media interviews, workshops, and advocacy, the answer is simple – I’m committed to changing the narrative.

Landlords play a vital role in the housing ecosystem, and it’s time we’re seen as part of the solution, not the problem.

In 2025, staying informed, involved, and vocal will be key. So, I urge all landlords to get out there –attend forums, talk to experts, and keep abreast of these legislative changes. The last year may have knocked us around, but it’s also given us valuable insights and strategies. As we move forward, let’s remain adaptable, informed, and clear about what we need to keep the sector viable. Here’s to hoping 2025 brings a muchneeded dose of clarity and conviction.

5 KEY WAYS THE CURRENT ECONOMIC CLIMATE IS SHAPING THE UK PROPERTY

With the recent election, there has been a period of economic uncertainty and as The Bank of England try to help control inflation and the cost of living crisis, the property market is being affected. These economic changes that are being experienced right now are already ones that we at Premier Property had planned for as we like to examine the market in 1, 3, 5 and 10 year phases. There's 5 key ways in which the current economic climate has affected the UK Property Industry, and we explore this in this article.

#1 More traditional stock coming back on to the market

At the moment, buy to let investors have been hit hard, as rising rates meant their profit margins are squeezed, which ultimately leaves them with two options, sell on, or adapt. At Premier Property we've noticed a number of traditional and seasoned landlords selling up, meaning there's more traditional stock available for you to buy right now, and in many cases at a great price. That's because unfortunately those landlords who haven't upskilled have been hit my a number of changes targeted at the property industry, ranging from tax hikes, to legislation, to stress tests and now higher rates than what have been noted over the last decade.

#2 a shift in the type of housing

As rates have risen, profits have been diminished. As you know, profit is revenue minus costs and one of the biggest methods of revenues for property investors is rental. So how do you increase rental? By using a strategy called HMOs. By implementing the HMO Strategy you are able to increase cashflow significantly, especially during these challenging times and you are also tapping in to an increasing rental demand market as more tenants are moving in to HMOs

From the experience of housing hundreds of HMO tenants, There's 3 tenant types that we believe are the best at Premier Property and those are:

1. Students - reliable and predictable stay

2. Keyworkers (especially NHS Staff) - longevity

3. Young professionals who have recently graduated - use to HMO's as students

#3 Developers need to derisk more than usual

At the moment because of where we are in the property market cycle, in my opinion larger developments consisting of building more than 10 units or development projects which can last over 18 months need to be monitored more closely. This is because by the time the project is done, the market maybe in a completely different place, so you may find profits being wiped out completely, and in many cases make a loss.

Aim to target development deals which can be done quickly in this current climate, which have a clear exit and also commercial to residential projects that have a short time line. Because as rates change this will effect your in and out with development.

#4 Increased foreign investment

It's a well known fact that when interest rates increased, foreign investment also increased. So for the property industry, you will notice increased competition for projects from foreign nationals as they see the UK as a safe haven for their money.

#5 With the current economic uncertainty, it's definitely still worth investing in property

The fact is property has been and always will be one of the best asset classes to be investing in. If you assess the worlds wealthiest people, they all have property portfolios.

To add to that, if we are assessing property over a 10 year time frame, there's a number of tangible factors at play that work to your advantage, and one of those is inflation.

On average, in the UK inflation is around 5% (not right now, but if we look at an average spanning many decades). Inflation, although it has a negative effect on other parts of the economy, as a property investor is has a huge benefit. Over a 10 year period, inflation compounded at 5% means: 1) an increase in property price by 63% 2) an increase in rental by 63% 3) loan reduction in real terms by 63%.

To add to this, there is a fundamental lack of supply of housing in the UK, and in economics the principle of supply and demand means prices go up. To add to that the government's levelling up scheme and bettering of infrastructure means that for a new investor it's time to get in, and if you're an experienced investor it's time to derisk and scale.

At Premier Property, we provide tried, tested and tactical information to help landlords to start and scale in property, especially in a challenging market like we are in right now.

We have created a set of resources we can send out to you for FREE as your are a Landlord Investment Show Subscriber. Email hello@ premierproperty.co.uk and with subject 'landlord resources' and we will send them across.

Wishing you all the very best for 2025, Kam Dovedi.

BRINGING HIGH-YIELD OPPORTUNITIES TO EVERYDAY INVESTORS

Konrad Fox Founder & CEO Opencloud Invest

Established in 2018, Opencloud Invest was born with a mission to democratise high-yield investment opportunities traditionally reserved for the wealthy elite.

As peer-to-peer (P2P) investment platforms gained momentum, Opencloud carved a unique space by offering everyday investors access to markets such as Sports, Real Estate, Agri-Tech, and Tourism. Founder and CEO Konrad Fox talks us through the Opencloud ethos.

Tell us a little more about Opencloud Invest?

Opencloud Invest was founded in 2018 by Konrad Fox with a clear mission: to give everyday investors the same opportunities typically reserved for highnet-worth individuals and institutional investors. As peer-to-peer (P2P) investment platforms and crowdfunding gained traction, Opencloud quickly disrupted the industry, opening doors for "mum and dad" investors to access high-yield investments once beyond their reach.

We specialize in diverse investment opportunities across Sports, Real Estate, Agri-Tech, Tourism, and Wine, allowing investors to build balanced, high-yielding portfolios tailored to their financial goals.

What would you say makes Opencloud Invest that little bit different?)

From the outset, our foundation has been built on the security of client funds. We conduct thorough forensic due diligence on every investment we recommend, and we don’t just recommend it—we invest in it ourselves. This approach has allowed us to consistently deliver an annual ROI of over 10%, even through challenging times like the COVID-19 pandemic, the cost of living crisis, and other external economic disruptions.

Our CEO, Konrad Fox, brings over 20 years of experience and personally oversees all investments, supported by our exceptional team. He remains available to our clients at any time, fostering long-lasting relationships. Many

of our investors who started their journey with us six years ago continue to be loyal clients and, in many cases, friends.

As an investment house with a global reach, Opencloud Invest offers a diverse range of opportunities across different countries, industries, and timeframes. This allows us to curate investment options that align with various risk appetites and financial objectives.

Why should delegates come and say hello to you at the show?

We’re excited to present a special investment opportunity exclusive to the Landlord Investment Roadshow.

Opencloud Invest will be showcasing our first international development project: The Fountain Wellness and Restoration Resort, a luxurious 5-star resort in the Dominican Republic featuring world-class facilities.

For UK landlords weary of increasing legislation, taxes, and the day-to-day hassle of property management, this investment is a game-changer. The project offers a 15-year special tax-free status, which means no income tax, no capital gains tax, and no sales purchase tax! And if that wasn’t enough, we’re offering a 10year, 10% rental guarantee.

Find out more...

Instagram: www.instagram.com/opencloud_invest Website: www.opencloudinvest.com

Check us out on trustpilot: www.trustpilot.com/review/www.opencloudinvest.com

As an investment house with a global reach, Opencloud Invest offers a diverse range of opportunities across different countries, industries, and timeframes. This allows us to curate investment options that align with various risk appetites and financial objectives.

Please note that the value of investments and the income derived from them may fall and you may get back less than you invested. Past performance is not a guide to future performance. No investment is suitable in all cases and if you have any doubts as to an investment’s suitability then you should seek professional advice. Any tax allowances or thresholds mentioned are based on personal circumstances and current legislation which is subject to change.