Government urged to overhaul landlord tax rules to support affordability
Original Article Summary
Renters have long felt the squeeze of unaffordable rents
Investor Analysis
JRF and the Autonomy Institute propose a policy package combining rent controls, NIC on rental income, and reinstatement of full mortgage interest relief, arguing it could reduce average rents by £1,200/year while reducing the share of landlords making losses versus the current tax regime. The research presents a direct challenge to the assumption that rent controls would destabilise the PRS.
Investor Relevance
This article is directly relevant to all UK residential landlords and buy-to-let investors as it models how a combination of rent controls and tax reform could reshape net yields, mortgage interest relief, and long-term return expectations. The reinstatement of Section 24 relief would materially benefit highly leveraged landlords, while NIC on rental income would increase costs for unencumbered investors — both signals that should inform current portfolio and financing strategies.
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