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PLEASE NOTE: We are currently experiencing issues with our portal, this is being looked at urgently. If you are having issues, please try again in a couple of hours. Apologies for any inconvenience.
The Renters’ Rights Act 2025 has been designed to transform the experience of private renting and to improve the current system for both the 11 million private renters and 2.3 million landlords in England.
We’ve created a practical guide to help landlords understand what’s changing and how to prepare.
Houses in multiple occupation (HMOs) form a vital part of the private rented sector, often providing more affordable accommodation for people whose housing options are limited.
However, as HMOs are more complex than standard buy-to-let properties, it is important to understand the planning and licensing requirements that apply so we’ve put together this short guide which provides an overview of what’s involved and how Fleet Mortgages can help.
Our buy-to-let mortgages are available exclusively through our network of registered brokers. Visit Unbiased to find a qualified broker.
Do you work for yourself as a sole trader or landlord and turnover more than £50,000? From April 2026 HMRC are introducing a new way to report your income and expenses. This is part of Making Tax Digital (MTD) for Income Tax.
Under MTD, you will be required to:
HMRC will not automatically enrol you, so it is important you familiarise yourself with the timelines and requirements set. You can get ahead by signing up voluntarily on GOV.UK.
Watch HMRC’s video to find out more: HMRC: Making Tax Digital for Income Tax – YouTube
Please note: This link will take you to a video on a third party website, for which Fleet accepts no responsibility or liability.
At Fleet, we are committed to supporting the UK’s transition to a more sustainable future and improving the energy efficiency of the country’s private rental sector properties, with the obvious benefits this will provide, particularly for tenants.
That’s why we offer landlords £1,000 cashback when they improve their property’s Energy Performance Certificate (EPC) to a rating of C or above during the course of the initial fixed rate period for mortgages that completed on or after July 2023. This cashback offer is only available on our five- and seven-year fixed rate products (excluding our EPC A-C product range).
If you think you may be eligible to claim £1,000 cashback, we’ve created a step-by-step guide on how to make a claim. Download guide>>
If you need any help, please feel free to contact our Mortgage Services team on 01252 916 776 or email mortgageservices@fleetmortgages.co.uk
We understand that sometimes things can go wrong, or that we may not get things right 100% of the time. If you find yourself in this situation, we are keen to hear from you so that we can try and put things right as quickly as possible.
We understand that our customers all have different needs and that circumstances can change over time which can vary those needs. If you require additional support from us now, or in the future, then we’re here to help.
If you fail to keep up payments on your mortgage an LPA Receiver may be appointed and/or your rental property may be repossessed.
