New Rental Income Taxes Ahead—Here’s What It Means for Landlords and Tenants

rental income taxes

The UK rental market may soon face another major shift. The Treasury is reportedly considering applying National Insurance contributions to rental income, a move that could raise an estimated £2 billion in tax revenue. While this would boost government coffers, it could have significant consequences for both landlords and tenants. Understanding how rental income taxes could change the market is essential for anyone renting, letting, or managing property.

What’s Changing?

Currently, landlords pay income tax on rental profits but not National Insurance. Under the proposed changes, rental earnings would be treated more like regular income, meaning landlords would face higher overall tax bills.

For many property owners, this added expense may alter how they approach the buy-to-let market. Some may raise rents to offset higher costs, while others could reduce their portfolios altogether, tightening supply in an already competitive market.

Why It Matters for Tenants

For tenants, the introduction of rental income taxes could mean:

  • Rising rents as landlords pass on additional costs.
  • Fewer properties available, especially in popular student and city markets.
  • Tougher affordability checks, as landlords become more selective with tenants.

At a time when demand for rental homes is outpacing supply, these pressures could make it even harder for tenants to secure housing without stretching their finances.

How DepositPass Can Help

This is where DepositPass comes in. By allowing tenants to assign savings accounts or life insurance policies as rental deposits, DepositPass eliminates the need to lock away thousands of pounds in cash. Tenants retain access to a part of their money, while landlords still receive the protection they need.

In a market where rental income taxes could increase financial strain, DepositPass provides tenants with the flexibility to cover rising living costs without sacrificing security. For landlords, it ensures peace of mind with a modern, compliant solution that simplifies renting for everyone involved.

Final Thoughts

The debate around rental income taxes highlights just how quickly the housing sector is evolving. Whether or not these changes are implemented, one thing is certain: both landlords and tenants need smarter, more flexible solutions to navigate the challenges ahead.

DepositPass is here to make that journey easier—helping tenants protect their savings while ensuring landlords get reliable security.

Damp and Mould – Tenants Told to Use Legal Rights Against Landlords

Damp and Mould

Damp and mould have become one of the most pressing issues in UK rental housing. With health concerns and high-profile cases making headlines, tenants are increasingly being encouraged to use their legal rights against landlords who fail to provide safe and habitable homes.

Why Damp and Mould Matters

Beyond being unpleasant, damp and mould can pose serious health risks, particularly for children, the elderly, and those with respiratory conditions. Exposure can lead to asthma, allergies, and long-term health complications. As a result, government bodies and housing advocates are urging tenants not to ignore the issue.

Tenant Legal Rights Against Landlords

Tenants have legal rights against landlords under several housing laws, including the Homes (Fitness for Human Habitation) Act 2018. This legislation requires landlords to ensure properties are free from hazards such as damp and mould. If landlords fail to act after being notified of the problem, tenants may:

  • Report the issue to their local council for enforcement.
  • Seek compensation or repairs through the courts.
  • In severe cases, escalate complaints to housing regulators.

The message is clear: tenants should not suffer in silence when their homes are unsafe.

Responsibilities for Landlords

Landlords are expected to act promptly once a tenant raises concerns. That includes arranging inspections, commissioning repairs, and preventing recurrence. Failure to do so not only risks legal action but also damages landlord reputation and tenant trust.

How DepositPass Helps

While DepositPass doesn’t directly resolve damp and mould issues, our solution supports healthier landlord–tenant relationships. By offering a flexible alternative to upfront deposits, landlords demonstrate modern, tenant-friendly practices. This fosters trust, making it easier for tenants to raise issues early — and for landlords to resolve them proactively without disputes over money.

Final Thoughts

Damp and mould should never be dismissed as minor inconveniences. Tenants have clear legal rights against landlords, and landlords must recognize their duty to maintain safe living conditions. With open communication, modern solutions like DepositPass, and respect for legal obligations, both sides can build a rental market that prioritizes health, safety, and fairness.

Managing Tenant Pet Requests in Rental Properties

Managing Tenant Pet Requests in Rental Properties

For many renters, pets are part of the family, but for landlords, allowing animals in a property can raise concerns. From potential damage to noise complaints, it’s important to have clear policies in place. In this guide, we’ll explore managing tenant pet requests in rental properties, offering tips to balance tenant satisfaction with property protection.

1. Understand the Legal Framework

In the UK, there’s currently no law requiring landlords to accept pets, but the government’s Model Tenancy Agreement encourages it. Always check your tenancy agreement template and ensure it complies with the latest regulations.

2. Have a Clear Pet Policy

A written pet policy outlines what types of pets are allowed, size limits, and any specific restrictions. This transparency helps avoid misunderstandings and sets expectations from the start.

3. Use a Pet Agreement

A separate pet agreement can detail the tenant’s responsibilities—such as cleaning, preventing damage, and covering repair costs. It can also require proof of vaccinations or microchipping.

4. Assess Requests on a Case-by-Case Basis

Rather than having a blanket “yes” or “no” policy, consider requests individually. Factors like the type of pet, breed, and tenant history can help you make an informed decision.

5. Conduct Regular Inspections

If pets are allowed, routine inspections ensure that the property is being maintained. This gives landlords peace of mind and tenants an opportunity to address any issues early.

6. How DepositPass Can Help

While pets add another layer of consideration, financial security remains key. DepositPass allows landlords to protect their property without requiring a large upfront cash deposit, making it easier to accommodate responsible pet owners. With secure, cashless solutions, landlords can have peace of mind while tenants enjoy financial flexibility.

Final Thoughts
Managing tenant pet requests in rental properties requires balancing tenant needs with protecting your investment. By setting clear policies, using agreements, and maintaining good communication, landlords can create a pet-friendly yet secure rental environment.