As the Autumn Budget approaches, landlords and property investors are being urged to prepare for possible changes that could impact profits, financing plans, and long-term strategy.
While nothing is confirmed yet, early forecasts are raising some important questions, and planning ahead could make a significant difference.
Possible Property Tax Changes
If implemented, these changes could make it more expensive to restructure, refinance, or exit parts of a portfolio.
National Insurance on Rental Income
Some proposals suggest rental income could be subject to National Insurance (NI). For many landlords, this would reduce net returns, especially when combined with rising interest and maintenance costs.
Mortgage Rate Pressure is Still Building
Roughly 350,000 landlords and homeowners are set to come off fixed-rate mortgage deals this year. Many will face higher repayments, which could impact both affordability assessments and cash flow.
While inflation is falling, rate cuts are unlikely in the near future, making remortgage timing and funding strategy more critical than ever.
What I’m Watching for You:
What You Can Do Now:Whether you’re planning to grow, refinance, or simply protect cash flow, now is a good time to review your borrowing strategy.
Let’s talk about how upcoming changes could impact your portfolio, and what we can do to stay ahead of them.
📞 03301331843 📧 info@theffs.co.uk 🌐 https://www.theffs.co.uk/
Note: The points outlined above are based on current expert commentary and current speculation. These are not confirmed policy changes, and the final Autumn Budget may differ.
We’ll be back with a full breakdown of the official Budget announcements and what they actually mean for landlords, investors, and borrowing strategies.
