The Renters’ Rights Act is the biggest change to renting in England in more than 30 years. Its first phase came into force on 1 May 2026 — so if you’re a landlord, a lot has already changed.
Here’s a simple recap of the key points, and what it could mean for your buy-to-let plans.
What’s Changed?
- Section 21 “no-fault” evictions have been abolished in England’s private rented sector
- Most existing tenancies automatically became assured periodic tenancies on 1 May 2026, so fixed terms no longer apply
- Landlords now need to use Section 8, which means giving a specific legal reason (a “ground”) for wanting the property back
- Landlords were required to give existing tenants the government’s Renters’ Rights Act information sheet
Can I Still Get My Property Back?
Yes — but you’ll need a valid reason and, in most cases, evidence to support it. The Section 8 grounds have been updated and include situations such as:
- Wanting to sell the property
- You or a close family member wanting to move in
- Serious rent arrears
- Anti-social behaviour
Getting the paperwork right matters more than ever, so it’s worth taking specialist legal advice before serving any notice.
Does This Apply Everywhere?
No. The Renters’ Rights Act applies to England only. Scotland, Wales and Northern Ireland each have their own rules.
What Does This Mean for Buy-to-Let?
Lenders still very much want to lend to landlords, but many are looking more closely at:
- How much rent the property brings in compared to the mortgage (rental cover)
- The property’s energy rating
- Whether you hold property personally or through a limited company
With income tax on property income for individual landlords rising to 24%, 44% and 49% from April 2027 (confirmed in the Autumn Budget), some landlords are also reviewing how they own their portfolio. Every situation is different, so tax advice is essential before making changes.
Don’t Forget Your Insurance
With longer, open-ended tenancies now the norm, the right landlord insurance is more important than ever. Cover for things like rent guarantee, legal expenses and property damage can help protect your income if things don’t go to plan.
Let’s Chat
Whether you’re remortgaging a buy-to-let, growing your portfolio or reviewing your landlord insurance, we can help you find the right options.
Get in touch today — we’re here to help.
This blog is for general information only and is not legal or tax advice. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £750.
Figures quoted are correct at the time of writing (October 2026) and are for information only. This blog does not constitute personal advice.