Buy to Let Landlords: Reasons to be cheerful in the 2020 apocalypse

Calling all Buy to Let Landlords! Here's what you need to know.

While the year may have begun on literal fire and under threat of World War III, there are some advantages to the year 2020 for you buy to let landlords at least. Yes, we know how to keep things light at the end of the world. That’s why we’ve compiled a handy guide to make sure you’re up to date with all the new rates, licensing and legislation so that you can reap the rewards of capital growth, rising rents and solid investments while the world collapses and crumbles in your wake.

Rising rents

That’s right. Rents are on the up and so are your spirits. Your tenants might have cracked hands from over washing and need an extra cupboard for face masks and loo rolls, but tenant demand is still strong with diminishing supply, raising prices and strengthening economy. Between 2018 – 2023, RICS forecasted rents to rise by 15% due to a reduction in new rental property on the market thanks to tax changes.

Rental yields

While the prime minister tells us all to keep calm and carry on whilst people are wearing plastic bags over the head on the tube, you already are. That’s because rental yields have been gradually improving for the last three years, with most London boroughs achieving a potential gross yield of 5%.

Mortgage interest relief

This April brings an end to the landlords’ mortgage interest phase out, which means that you are no longer able to deduct mortgage interest costs. Boo. However, you are entitled to a 20% tax reduction on either: finance costs, property profits or total income (minus savings, dividends, personal allowance). The good news is that if you area a basic rate tax payers (earning less than about £40k), you won’t be affected and many of you London based landlords will have benefited from substantial capital and rental price growth over the past decade meaning you stand to lose less under these new regulations. Woo.


Whilst half of the country is deeply miserable about this particular development, political unrest and the resulting uncertainty concerning Brexit is finally drawing to a close. This means the economy will improve, transactional activity should increase and the property market is likely to progress.

Mortgage rates 

Brexit also affects mortgage rates via base rate shifts in the Bank of England. How to make the most of this as a landlord? We suggest you consider refinancing your portfolios and locking in low rates now.  If you cut your interest costs by remortgaging and then get an up to date rental valuation on your property, your lender will need to recalculate your LTV. The lower the LTV, the better the interest rate and selection of lenders.

Property price rises

We may miss out on the World Cup this year, but you can celebrate some home goals thanks to a predicted 26% increase in property prices over the next ten years. This is glorious news for property investors wanting to benefit from lower prices now and reap the rewards later.

Energy efficiency & electrical safety checks

From the 1st July 2020, the government have announced that there will be a mandatory safety certificate for all rented property. As long as you’re aware of this and comply, you’re home and dry. Not so likely for the apocalyptic storms that keep raging and marking the end of days on a weekly basis, however. Every cloud and all that.

Section 21 evictions

To protect tenants from unfair eviction, Government pledged to eliminate Section 21 evictions last April. If you’re sitting there worrying about your profits, remember that this change in legislation just makes the relationship you have with your tenants all the more important. Our advice? Choose longer term tenants and make sure you fit your property to a high standard. The planet may be disintegrating; your apartment doesn’t need to be.

Local licensing

Houses in Multiple Occupation (HMOs) can look rather attractive (much like the four horsemen of the apocalypse galloping over the horizon), but they do come packed with a host of legal requirements (and saddlebags). Local licensing rules are changing and we advise keeping up to date where possible. We can help you with this. We can’t, however, help with the oncoming harbingers of the Last Judgement.

Changes to private residence relief 

As of April 2020, you will no longer be able to claim up to £40,000 in capital gains tax relief when letting properties that either are or have been your main home, even when you haven’t lived there for a while. We’d encourage those of you who might be considering a sale to review your portfolios and get appropriate advice. We can point you in the right direction here so give us a call or pop in for guidance and positive vibes only.

An end to Right to Rent checks

This year, right to rent checks are to be stopped after the High Court ruled them discriminatory and in breach of human rights law in March 2019. There are, however, other ways of making sure you get suitable tenants in your property benefiting all involved by checking their original documents, For more information and advice, you can call the landlord’s helpline to get help with a check in line with current practice on 0300 069 9799 Monday to Thursday, 9am to 4:45pm and Friday, 9am to 4:30pm.

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Opening Hours & Information During The COVID-19 Outbreak

We’ve closed our shop doors for now, although two of the company directors are currently in the office to meet contractors and to deal with any emergencies. The rest of our team are now operating remotely. We will do everything we can to help you during the COVID-19 outbreak but please bare in mind that we too are operating under unfamiliar territory. Please be patient and please be kind.

Help Support Our Local Community

In an effort to help support our local community during this strange, scary time, we’ve collected locals tips, updates and precautions being taken by and for local people and businesses across Finsbury Park and Stroud Green during this ‘don’t panic!’ pandemic. This article provides you with information on local businesses, help available locally and how you can help others by buying from small independent businesses, joining local initiatives and donating to local charities.

Buy to Let Landlords: Reasons to be cheerful in the 2020 apocalypse

While the year may have begun on literal fire and under threat of World War III, there are some advantages to the year 2020 for you buy to let landlords at least. Yes, we know how to keep things light at the end of the world.

Freeholders & Leaseholders are you ready? 

Let’s find out some more about Freehold. This particular contender, for example, pays no annual ground rent charges and doesn’t rely on a separate freeholder to maintain their building. Nifty. Freeholder has sole responsibility for the maintenance of their building and the land so happens to be somewhat of a green fingered warrior.

Don’t get caught out: new landlord safety regulations are to be enforced

The government has updated its regulations, meaning all new private tenancies will require an electrical safety certificate (EICR) from the 1st July 2020. This affects most landlords, who can face hefty fines for not complying.

Getting the self employed on the property ladder

So you became a freelancer and now believe you’re doomed to be a forever-renter? Started up your own company and can’t seem to catch a break, never mind credit? We’re here to retrain your brain, and your financial outlook. It’s time to turn that frown upside down mortgage-lusters, because we’ve got all the ways to get on the property ladder when you’re self employed.

Our fun, or at least useful, self-assessment guide for Landlords

We know, sorting out your tax affairs is a potent mix of fear and tedium, but it’s also entirely necessary. Particularly so if you are a landlord in need of a self-assessment. I know what you’re thinking, but we can get to your intimate health checks later… We’re talking about your tax return, divided here into small manageable chunks of boringness. Fun police assemble! 

What can a property management company bring to the table?

Single handedly managing a property portfolio can be enough to bring on an early onset of greys. As well as screening tenants, chasing rent and sorting repairs, there’s a tonne of admin and legal stuff you need to keep on top of. Enlisting the help of a lettings agent means you get to bump up the ‘I love my job’ moments while minimising the stressful ones. 

The more you know: find out your rights as a tenant

We know how important it is to know your rights as a tenant; whether you’re currently facing a tenancy issue, or simply want to avoid any renting related concerns in the future.   

Porch stories: Is your property Georgian, Victorian or Edwardian?

“Gotta love a Georgian townhouse, eh?” you shout, slapping the brick entranceway and attempting a stride towards your friend’s promise of housewarming nibbles inside. “It’s actually Victorian” mumbles your friend, squeezing along the narrow hallway to take your coat. The next thirty minutes you eat your way through their salmon puffs and your words. 

Part 2: How to stop renting and start nesting, a First-Time Buyers Guide 

Mortgage in the bag? Give yourself a pat on the back, you’ve officially entered the adulting world of variable rates, credit scores and laughable curtain prices. Now it’s onto what is arguably the fun bit. Choosing your home sweet home. Here’s what you need to consider when it comes to securing your dream abode. 

Part 1: I’m a first-time buyer, get me out of here

By the time you’ve finished reading you’ll have stamp duty sussed and will be well on your way to retiring your renting days. So, before you start Googling obscure German hair thickening shampoo brands, read our handy guide to securing your starter home. It all begins with the stuff that makes the world go round: money.

Landlords: How to not Kill Anyone or end up in Jail

There’s a lot more to letting out a property than just handing over the keys. As your local property nerds, we’ve compiled a list of everything you need to know to make the process of renting out your property as easy and stress-free as possible. 

To sell or not to sell, that is the question…

We’ve looked at the pros and cons of each decision to help you begin with this exciting new chapter in your life. Every situation is unique and we know the importance of this decision, so Davies and Davies are are here to help you make the right choice.

What can you get for £400,000 in North London?

We don’t think you should have to compromise on space and style to save money in your new home search. At Davies and Davies we have a wealth of affordable properties boasting private gardens, Victorian architecture and original fireplaces all nestled comfortably in the heart of leafy and buzzing North London.

Home Automation – How to Bring Your Home Into The 21st Century

Upgrading your home isn’t just about not wanting to appear out of touch when your neighbours pop round. Smart tech can put you in control of your bills, reduce your property’s environmental footprint and provide a talking point at dull dinner parties.

How to make your property work for the planet and your pocket

With many of us switching up our shopping habits to include more ethical choices, adopting a sustainable mindset could just be the selling point your property needs. But it’s ‘gonna take more than a few LED light bulbs to create that green dream. From upping your recycling game to investing in smart tech, here are eight ways you can shrink your home’s environmental footprint while increasing your profitability.

Davies & Davies voted the 7th Best Estate Agent in the UK

We’re pleased as punch to announce we’ve been awarded “Gold Exceptional” (the highest score you can get) in both sales & lettings, ranked 7th Best Estate Agent in the UK, by the Best Estate Agent Guide awards 2019.

Taking the inside out: making the most of your outside space

If you’re lucky enough to have access to outside space, you may be itching to make the most of it now the weather is finally beginning to turn. Perhaps you can plant that herb garden you’ve been meaning to cultivate and really transform your basil pesto once and for all!

The Tenant Fees Ban Explained

Our comprehensive but jargon free guide to the new tenant fees ban. As of June 1st 2019, letting fees for renters will be banned and tenancy deposits will be capped for all tenancies signed after this date.

Women who Run North London: Alina from Davies & Davies

For the final piece in our series, today we’re spotlighting our very own Alina, who has been with D&D for the last 11 years. After starting out as a bookkeeper for the company, she has worked her way up through the business to become one of the two female directors at Davies & Davies. 

Women who Run North London: Esther at Crisis

Everything you see when you step into Crisis has been tailored to Esther’s design and created with help from the charity’s volunteers. There’s a story behind it all- from the coffee bag dress in the window, to the coffee stained wooden units themselves.

Women who Run North London: Claire from Barefaced Studios

The culture that Claire has created at Barefaced: of collaboration, attention to detail, and client care, is evident the moment you step through Barefaced’s doors. Though the agency’s reach stretches worldwide, they have deep roots within the local area, and know it inside out (especially anywhere serving food).

Women who Run North London: Yvonne from Aquarius Beauty

Yvonne, and her sister, Sharon, are well and truly “Finsbury Parkers”. The salon is right at the heart of Finsbury Park, and with the trio of Aquarius Hair, Aquarius Beauty, and Mento, the family own this corner of Stroud Green Road.


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Closing from 1:00pm on Friday 20th December and will re-open at 08:30am on Thursday 2nd January.

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