Frequently asked questions

With fixed rates, your mortgage repayments will always remain the same. Regardless of what happens to interest rates, your mortgage payments will stay the same whether you fix for two, three, or five years. Effectively, a fixed mortgage acts as an insurance policy against interest rates going up, so you tend to find that fixed rate mortgages have a higher rate, as you pay a bit more for peace of mind.

With the Renter’s Rights Act coming into effect on 1^st May 2026, it is essential to keep updated with legislation and regulations imposed on landlords.

Our team regularly attend courses to keep up to date with changes and to attain recognised professional qualifications, meaning they know how to keep your investment as compliant and maintained as possible.

Our property management team will visit your property after three months of signing and periodically thereafter, throughout the tenancy.

Our Fully Managed plan offers two property visits, while our Platinum service offers three.

Additional visits are provided, but at a further charge. You will be sent a written report after every visit, detailing the status of the property and including any recommendations.

As an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed.

The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment.

Selling your house in Worcester can be a straightforward process with the help of our expert team of advisers. All valuers are all highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free valuation from our valuers today.

As a leading estate agent in Tuffley, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. This is shown not only through the reviews our team receives but also through clients who return to use us when they think of selling or buying a home in Gloucester.

As an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed.

The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment.

Selling your house in Stroud can be a straightforward process with the help of our expert team of advisers. All valuers are highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free valuation from our valuers today.

Selling your house in Worcester can be a straightforward process with the help of our expert team of advisers. All valuers are all highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free valuation from our valuers today.

As an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed.

The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment.

Selling your property in Churchdown can be a straightforward process with the help of our expert team of advisers. All valuers are all highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free no-obligation valuation from our valuers today.

As a leading estate agent in Churchdown, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. Our experienced, award-winning team appreciate the stresses involved in selling and buying a property in Churchdown and go above and beyond to make the process as easy and streamlined as possible. Find out more about why you should choose The Property Centre to sell your home.

With an interest-only mortgage, you’ll only pay back the interest, not the capital borrowed. This means your monthly repayments will be lower, which may leave you with more disposable cash from the rental income to cover any additional costs. It’s common for buy-to-let investors to opt for an interest-only mortgage, especially if you’re planning to sell the property at the end of the term. If you do sell the property, you’ll repay the outstanding mortgage balance, and you’ll also have to pay any tax due on capital gains (or profits).

The best time to sell your house in Worcester depends on your circumstances and finances. Look at our seller’s guide or talk to our experienced Worcester team. They have an in-depth knowledge of the Worcester property market. They can advise you not only on market conditions but also on what current buyers are looking for to help determine whether now’s a good time to put your property on the market.

The best time to sell your house in Worcester depends on your circumstances and finances. Look at our seller’s guide or talk to our experienced Worcester team. They have an in-depth knowledge of the Worcester property market. They can advise you not only on market conditions but also on what current buyers are looking for to help determine whether now’s a good time to put your property on the market.

The best time to sell your house in Cheltenham depends on your circumstances and finances. Look at our seller’s guide or talk to our experienced Cheltenham team. They have an in-depth knowledge of the Cheltenham property market. They can advise you not only on market conditions but also on what current buyers are looking for to help determine whether now’s a good time to put your property on the market.

With a repayment mortgage, you’ll pay interest, plus the capital mortgage balance. This means that by the end of the full mortgage term, the mortgage will be repaid (as long as you don’t change this at a later date).

Selling your property in Cheltenham can be a straightforward process with the help of our expert team of advisers. All valuers are highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free no-obligation valuation from our valuers today.

A standard variable rate (SVR) tends to follow the Bank of England (BoE) bank rate closely, but not exactly. For instance, if the BoE rate is dropped to 0.25%, your SVR might only drop to 0.2%. However, when the BoE rate goes up, it’s often increased to the full amount. More often than not, you’ll move onto an SVR once your fixed rate term has come to an end.

As an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed.

The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment.

We also collaborate with a local firm of solicitors who offer a competitive and professional conveyancing service. You can apply to get a solicitor quote with us today.

With a variable mortgage, the rate will fluctuate depending on the terms of the mortgage.

As a leading estate agent in Cheltenham, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. Our experienced, award-winning team appreciate the stresses involved in selling and buying a property in Cheltenham and goes above and beyond to make the process as easy and streamlined as possible. Find out more about why you should choose The Property Centre to sell your home.

Home emergency cover is optional and is seen as an addition to the standard buildings insurance. It can provide emergency assistance for landlords including plumbing, heating, roofing, drains/sewer blockages, lost keys and infestations

The best time to sell your house depends on your circumstances and finances. Look at our seller’s guide or talk to our experienced Gloucester team. They have an in-depth knowledge of the Gloucester property market. They can advise you not only on market conditions but also on what current buyers are looking for to help determine whether now’s a good time to put your property on the market.

SAs an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed.

The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment..

Selling your house in Longlevens can be a straightforward process with the help of our expert team of advisers. All valuers are all highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free valuation from our valuers today.

Selling your house in Quedgeley can be a straightforward process with the help of our expert team of advisers. All valuers are all highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free valuation from our valuers today.

Selling your house in Gloucester can be a straightforward process with the help of our expert team of advisers. All valuers are all highly experienced, with an in-depth knowledge of the local property market, meaning any estimate you receive will be accurate and realistic, giving you the very best chance of selling. You can request a free valuation from our valuers today.

Often a must-have for lenders, landlord building insurance will protect against any risks to the building that might result in replacement or repair work, such as subsidence, fire and burst pipes.

The best time to sell your house in Gloucester depends on your circumstances and finances. Look at our seller’s guide or talk to our experienced Gloucester team. They have an in-depth knowledge of the Gloucester property market. They can advise you not only on market conditions but also on what current buyers are looking for to help determine whether now’s a good time to put your property on the market.

Like your own home, contents insurance for landlords is optional. It will cover you against any fixtures and fittings you have supplied (such as a fridge, washing machine, carpets), as opposed to your tenant’s belongings. You can also extend this to include accidental damage.

As an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed. The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment. We also collaborate with a local firm of solicitors who offer a competitive and professional conveyancing service. You can apply to get a solicitor quote with us today.

As an award-winning local Estate Agent, we work on a no-sale no-fee basis. This means our fees will only be payable once we have agreed on a sale and the transaction has completed. The fee that we charge is dependent on many factors including property type and vendor’s situation. We offer free, no-obligation valuations, where we would be delighted to visit you and give an accurate appraisal of your property, while also discussing our fee structure in detail. Book a valuation appointment. We also collaborate with a local firm of solicitors who offer a competitive and professional conveyancing service. You can apply to get a solicitor quote with us today.

This will cover the costs of legal protection should you need it for property damage, recovering rent arrears, repossession, and prosecution defence costs, to name a few.

As a leading estate agent in Gloucester, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. This is shown not only through the reviews our team receives but also through clients who return to use us when they think of selling or buying a home in Gloucester. Find out more about why you should choose The Property Centre to sell your home.

Life Insurance gives you the comfort of knowing that your loved ones will be provided for in the event of your death. You can link a life insurance plan to a mortgage, which will pay out a lump sum. This can be used to cover the rest of the mortgage or alleviate any other financial pressure.

Glevum Way Shopping Centre in Abbeymead features a Morrisons supermarket, a variety of shops, takeaway restaurants, a pub, Hadwen Health Medical Centre, a veterinary surgery, and the Abbeydale Community Centre with sportsfields and a children’s playground nearby. Hucclecote has a community centre, local schools, many locally owned shops and two pubs. It’s also not far from Whittle Square, situated in Cooper’s Edge, which has a Tesco Extra Superstore, a David Lloyd Gym with swimming pools and tennis courts, various eateries, a pharmacy and a hairdressing salon. All these amenities are within easy reach for Upton St. Leonard’s which has its own village store, pubs and green spaces.

If you own five or more properties, portfolio insurance could be a good option. It enables you to cover the buildings and contents of all the properties you let out under one policy.

Both Heron Primary School on Heron Way and Abbeymead Primary School on Abbeymead Avenue cater to children aged 4 to 11 and are the main primary schools in Abbeymead. Upton St. Leonard’s primary school caters for the village, whilst Cooper’s Edge primary and Castle View school serves teh area around Cooper’s Edge and Hillview and Dinglewell primary schools are local to Hucclecote. There are several secondary schools in the area, including Gloucester Academy, Barnwood Park, Henley Bank High School as well as Gloucester’s top-performing grammar schools.

There may be times when your tenants can’t make their rent payments. Rent guarantee insurance will protect you from this loss, and will pay out the rent you’re missing.

Abbeymead, a vibrant area, offers residents and visitors numerous open spaces to enjoy the outdoors. One notable attraction is the skateboarding facility located at Clock Tower Park, providing a space for skaters to practice their skills and enjoy their sport. Additionally, nature enthusiasts can explore the nearby Hucclecote Meadows, which is designated as a Site of Special Scientific Interest (SSSI).

Some mortgages come with a product fee, which normally costs more compared to residential mortgages. This can either be paid upfront or tagged onto the cost of your mortgage. There can also sometimes be an administration charge made by the lender for arranging the credit of your mortgage.

Abbeymead, Abbeydale, Matson, Hucclecote and Upton St. Leonards enjoy convenient proximity to Cheltenham and Stroud, with easy access to junctions 11, 11A, and 12 of the M5. The area is served by three local train stations: Gloucester (2.5 miles), Cheltenham Spa (5.6 miles), and Stroud (6.8 miles), offering regular services to London, Bristol, Birmingham, and Cardiff. Buses to Gloucester City Centre are frequent.

Buildings insurance is essential, and if you’re furnishing the property out of your own pocket, you’ll no doubt want contents insurance too. However, remember that you’ll need a landlord policy rather than a residential one. The tenants are responsible for insuring their own belongings.

There are other types of insurance available for landlords, such as landlords and rent insurance. These can cover you for legal expenses associated with evicting tenants, or if there are periods where the property is empty and you aren’t making any money from rent. If you’re purchasing a flat, this may be included in any service charge, which you’d normally be responsible for paying. Your solicitor will be able to confirm if you need additional buildings insurance.

Change to – Cheltenham offers a delightful mix of shopping experiences. Explore the High Street and tree-lined Promenade for big-name brands or venture into Montpellier, The Suffolks and Tivoli for unique boutiques and independent shops. Culture vultures will find themselves well-catered for with two theatres, two cinema, art galleries and museums whilst the town boasts lots of excellent restaurants, pubs, bars and cafes.

Your solicitor will charge a fee for their services, which includes handling the contracts and documentation and conducting searches, amongst other things.

Cheltenham boasts a variety of top-tier schools, with numerous options holding an Outstanding rating by Ofsted. Utilise the Locrating tool on a property’s detail page to discover schools in your desired area quickly and easily.

If the property you’re investing in is over a certain price, you’ll have to pay a tax known as Stamp Duty Land Tax (SDLT) in England and Northern Ireland, Land Transaction Tax (LTT) in Wales, or Land Building Transaction Tax (LBTT) in Scotland. The price you’ll pay will vary depending on the amount you paid for the property, and whether you already own a property in the UK.

Cheltenham Racecourse, known as the Home of Jump Racing, attracts 1000s of racegoers each year. Cheltenham Town Football Club, established in 1887, play at The Completely-Suzuki Stadium (Whaddon Road). The town hosts several renowned festivals including its Jazz Festival in Spring, Classical Music, Science and Food Festivals in the summer months and it world-famous Literature Fetival in October. The town aslo boasts great restaurants, bars and leisure facilities, with a main sports & bswimming complex near Pittville Park, lots of gyms, East Glos Tennis Club and Sandford Park Lido with its 50 m long pool and separate children’s pool. Shopping options include the High Street with retail chains and the Regent Arcade Shopping Centre. The Promenade features designer brands while Montpellier offers independent retailers nearby.

Many lenders will want to carry out a standard mortgage valuation, which you may have to pay for. However, you can look to upgrade to a structural survey or a homebuyers survey report for an additional cost.

Cheltenham is conveniently situated near the M5, with easy access from junctions 10 and 11. The A40 passes through Cheltenham, connecting London/South East and Wales. Cheltenham Railway Station is a brief 5-minute drive from the town centre and offers regular services to Bristol, Birmingham, London, Cardiff, and other destinations along the Plymouth to Edinburgh line. Additionally, there are regular coach services from Cheltenham to various locations across the UK.

While there are plenty of things to think about as part of the buy-to-let process, there are certain practices you’ll want to avoid altogether:

Not understanding exactly what being a landlord entails, including keeping the property in good condition, looking after your tenants’ needs and dealing with relevant paperwork

Diving straight into buying a property with no wider consideration of the buy-to-let market. This includes not seeking the right mortgage advice, and as a result, not understanding the implications of tax, associated costs and responsibilities involved with renting out a property

Not protecting your property or your finances against the worst-case scenario.

Not keeping up with the buy-to-let laws and regulations, and therefore not protecting the health and safety of your tenants

In Churchdown, the primary shopping areas are Blacksmith Lane and St. John’s Avenue, containing a variety of local shops and services such as a Post Office, Bakery, Doctors Surgery, and Dentist. Additionally, there is a supermarket situated on Cheltenham Road East.

This is probably the last thing you’re thinking about right now, but it’s important to consider your exit from the buy-to-let market just as much as your entrance to it. For instance, will you sell your property after a certain number of years, or perhaps when it’s reached a specific value? Having a clear exit plan will also help you to settle your finances in the most tax-efficient way possible.

Churchdown is home to various schools, with two being secondary schools – Churchdown School Academy and Chosen Hill School. Additionally, there are multiple primary schools in the area, such as Churchdown Parton Manor Infant and Junior Schools, St Mary’s Catholic School, and Churchdown Village Infant and Junior Schools.

With more than 160 laws for landlords to comply with, there’s lots to think about. To help navigate the complexities, it may be worth appointing a letting agent who will be clued up on all of the rules and regulations associated with being a landlord. However, we still recommend you take the time to learn the main areas of legislation to ensure the safety of your tenants.

Churchdown Hill, also referred to as Chosen Hill, is a well-liked local landmark that stands 154 meters above sea level. It provides panoramic views of the Severn Vale, Gloucester, Cheltenham, the Malvern Hills, and Worcestershire.

Nestled in 200 acres of picturesque Gloucestershire landscape, Brickhampton Court Golf Complex features a driving range and two engaging courses suitable for golfers of varying skill levels.

The property investment market can fluctuate depending on the economic state at any given time, so it’s important to speak with a mortgage adviser to protect your finances and insure your property.

You should also consider speaking with an accountant regarding your buy-to-let investment so that you have a clear understanding of your financial situation.

Conveniently located between Gloucester and Cheltenham, Churchdown offers easy access to the M5 via the A40. The village is close to two train stations, Gloucester (4.1 miles away) and Cheltenham Spa (4.8 miles away), providing frequent services to London, Bristol, Birmingham, and Cardiff. Additionally, Churchdown is situated next to Gloucestershire Airport, commonly referred to as Staverton locally, resulting in regular sightings of light aircraft in the area.

Know what your financial intentions are from the offset. Will the money be used as your regular income or will it be set aside as capital growth? You’ll also need to have a clear budget in mind, accounting for your monthly mortgage payments, income tax, utilities and any unforeseen costs.

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In Longlevens, there are numerous local stores, including supermarkets, a pharmacy, a hair salon, and a variety of dining options. Additionally, the area offers amenities like two GP practices, a library, and a monthly community cinema that is free to attend.

As a first-time buyer, you can buy a home 30% to 50% less than its market value. The home can be a new built by a developer or a home bought through an estate agent, but it must be your only or main residence.

To be eligible, you need to be older than 18, a first-time buyer, be able to get a mortgage for at least half the value of the home and not earn mor that £80,000 before tax.

How the scheme works:

You need to find a home that is advertised by developers or an estate agent through the First Homes scheme

While in shared ownership you pay rent, you don’t pay rent in this scheme

The home sold is valued by an independent surveyor to ensure the discount is based on the actual market value

If the home is a new build, it cannot cost more that £250,000 after the discount is applied

There are further rules if you place to let or sell this property

How to apply

The region benefits from excellent infant/junior schools and the ‘Outstanding’ Ofsted-rated Sir Thomas Rich’s Grammar School. The Milestone School on Longford Lane, also rated ‘Outstanding,’ caters to students with special needs aged 3-16. Nearby Gloucester College offers further education opportunities, while the University of Gloucestershire’s Oxstalls campus is situated in Longlevens.

Longlevens Recreation Ground has football and rugby fields, pavilions, a games area, and a play area. Nearby is a bowling alley with 26 lanes, pool tables, and arcade games. GL1 leisure centre offers swimming and sports. Nature in Art in Twigworth showcases nature-inspired art in a Georgian mansion with a coffee shop, gardens, and children’s activity days.

• Initial marketing on Rightmove and our Website
• Property details circulated to all potential tenants registered on our database
• Full-colour property details
• Qualification of viewers before arranging viewings to ensure they meet your criteria, e.g. non-smokers
• Accompanied viewings
• Negotiations

The location is well-connected to the M5 and A40 highways and conveniently close to Gloucester (4.1 miles) and Cheltenham Spa (4.8 miles) train stations, both offering frequent services to London, Bristol, Birmingham, and Cardiff. Additionally, Gloucestershire Airport, also known as Staverton locally, is situated nearby.

• Liaising with Landlords to resolve any issues raised by the tenant
• Instructing contractors and monitoring maintenance issues
• Payment of contractors’ invoices
• Updating Landlords about any changes in legislation
• Manage any third-party queries e.g. from utility providers
• Conducting property visits (three per year for Platinum Service, two per year for Full Management Service)
• Rent collection and monitoring – should the tenant miss a payment we will contact them to identify any problems
• Tenancy renewal negotiations
• Rent reviews
• Rent and legal protection – optional
• End of tenancy check out
• Dispute negotiations and arranging works to prepare a property for the next tenancy

The Orchard Centre at Olympus Park in Quedgeley is a hub for local shopping. It features various independent shops such as The Property Centre’s Quedgeley branch, Jane’s Pantry, Chewy’s Hair and Beauty, and The Roastery Coffee House. Additionally, The Severn Vale Shopping Centre features a Tesco superstore, Post Office, and Library, while Quedgeley District Centre hosts popular high-street brands like Boots and Matalan.

• Tenant vetting including:
• Obtaining proof of ID
• Credit check
• Employment and existing or previous Landlord references
• Right to Rent checks to comply with the Immigration Act
• Arranging gas and electrical certificates in preparation for the start of the tenancy
• Tenancy Agreement and associated document preparation
• Inventory and schedule of condition to include colour photographs
• Smoke alarm testing on the day the tenant moves in
• Registration of deposit
• Utility company notifications

Quedgeley, a vibrant town known for its community spirit and family-friendly atmosphere, has reputable schools catering to residents’ educational needs. Meadowside Primary, Fieldcourt Infant and Junior, Beechwood Green, and Severn Vale School prioritise academic excellence, personal development, and holistic growth for students.

• Initial marketing on Rightmove and our own website
• Property details circulated to all potential tenants registered on our database
• Full-colour property details
• Qualification of viewers before arranging viewings to ensure they meet your criteria, e.g. non-smokers
• Accompanied viewings
• Negotiations

Waterwells Sports Centre is home to Quedgeley Wanderers FC. Quedgeley and Hardwicke Cricket Club (QHCC) is at Kingsway Playing Field. The Gloucester and Sharpness Canal, 16.5 miles long, offers walking, cycling, and views of the Severn Estuary, Forest of Dean, and Cotswolds. The successful Gloucester Rowing Club is located on the Sharpness-Gloucester Canal.

• Tenant vetting including:
• Obtaining proof of ID
• Credit check
• Employment and existing or previous Landlord references
• Initial Right to Rent checks to comply with the Immigration Act
• Arranging gas and electrical certificates in preparation for the start of the tenancy
• Tenancy Agreement and associated document preparation
• Inventory and schedule of condition to include colour photographs
• Registration of deposit
• Utility company notifications

Quedgeley is conveniently positioned near M5 Junction 12, around 3 miles from central Gloucester, and a brief drive from Gloucester railway station, providing frequent services to London, Bristol, Birmingham, and Cardiff.

If you’re looking to make home improvements, whether to improve your home for your own benefit or market appeal, the costs of improvements can quickly add up. 

You could consider remortgaging if you have enough equity in your home to cover the costs of the renovations. Do your research and consider whether paying the early repayment charge is better than taking out a separate loan. 

Your lender will likely want to know what you intend to use the money for and may ask to see builder’s quotes as evidence.

Stroud boasts a wealth of independent stores, small shops, and vintage boutiques clustered in the town centre, contributing to its unique bohemian ambience. Don’t miss the renowned weekly Farmers’ Market in Stroud, recognised as among the finest nationwide. In addition, Stroud provides convenient access to healthcare facilities, schools, and transportation options, offering a comprehensive range of amenities.

Perhaps you’re on an interest-only mortgage and want to move to a repayment mortgage. Your lender may need to check your affordability again to ensure you can meet the monthly repayments as well as the interest. It could be as simple as changing without the need to remortgage, but if they can’t offer you the deal you want, then you might consider a full remortgage.

There is a wide range of options for parents in the Stroud District when it comes to choosing primary and secondary schools for their children, with over 60 primary schools and 15 secondary schools available. Near Stroud town centre are secondary schools such as Marling School, Stroud High School, and Archway School.

There may be opportunities for you to save money by remortgaging. Just be aware that sometimes, the lender will ask you to pay an early repayment charge before you can switch. It’s important to weigh up the price of the early repayment charge against the costs you’ll be saving with the lower interest rate.

A mortgage adviser will be able to help you decide whether it’s the right time to remortgage for your unique needs. Get in touch with us and the MAB mortgage adviser will talk you through all your options.

St. John’s is well-connected for those who don’t drive. First Bus operates several routes through the area, including the convenient 31 which links directly to the city centre. Taxis are readily available for shorter trips, while the Worcester Foregate Street train station offers access to wider destinations.

Families in St. John’s benefit from a range of educational options. Younger students can attend the religious education program at St. John’s Catholic Church for a foundation in the Catholic faith. Higher education opportunities are readily available at the nearby University of Worcester’s St. John’s Campus, offering undergraduate and postgraduate programs.

St. John’s caters to various interests. The historic church offers a peaceful space for worship and events with accessible facilities. If you’re seeking fitness options, the University of Worcester’s St. John’s Campus boasts a modern sports centre with a gym, courts, and studios. St. John’s Sports Centre adds to the options with extensive facilities including 3G pitches for outdoor enthusiasts.

Steeped in history, St. John’s offers a unique blend of urban and village charm in Worcester. Once an independent township, this district west of the River Severn boasts a strong community spirit and a central location near the university and sporting grounds.

Surrounded by the Cotswold landscape, nature lovers can explore many green spaces in and around Stroud. Stratford Park offers a range of activities, including a museum, outdoor pool, and leisure centre. Remarkable vistas can be seen at Selsley Common and activities like ice cream at Winstones or golf at Minchinhampton are popular with locals.

I f your mortgage is ending in the next six months, get in touch. Our MAB mortgage advisers can help you find the deal that works for you. If mortgage rates drop during these six months, they’ll let you know.

If you took out a fixed rate mortgage where you pay the same amount every month and the interest rate remains the same, once the initial term has ended, you’ll fall onto an SVR, where you could end up paying a higher interest rate than you were previously.

Make sure you’re aware of your deal ending a few months before it actually does, and arrange a new mortgage before it expires to ensure you don’t end up paying more than you need to.

Worcester is the perfect commuter city with easy access to London, Birmingham, and Bristol. Worcester has three railway stations – Foregate Street in the city centre, Shrub Hill to the east, and Worcestershire Parkway outside the city. Trains run frequently to Birmingham and London Paddington. Worcester also has over 30 bus routes and convenient National Express Coach stops. Close to M5 junctions 6 and 7, Worcester is ideal for commuting by car.

As well as lots of primary schools, at secondary level Worcester has several state and independent schools, as well as two colleges and the highly-rated University of Worcester. Use our Locrating tool on a property’s detail page to search for schools in your preferred location.

With its centerpiece Cathedral Square, Worcester boasts a variety of unique eateries to suit every palate. From cultural visits to the Worcester City Art Gallery and Museum to shopping on Friar Street and New Street, the city offers diverse experiences. Enjoy green spaces in parks for strolls and picnics, including Riverside Park along the River Severn and Fort Royal Park with historical views from the English Civil War.

Centrally located in Worcester, New Road has been the home cricket ground of Worcestershire County Cricket Club since 1896 and cricket fans can enjoy County, Test and T20 matches there from May through to September. The ground is also a popular venue for music concerts. With its picturesque tree-lined track and unique position nestling on the banks of the River Severn, Worcester Racecourse offers a great day out for all the family.

Stagecoach West operates frequent bus services like the number 9 route, connecting Tuffley directly to Gloucester city centre in under 10 minutes. Taxis are readily available for on-demand trips, while Gloucester railway station offers access to wider destinations for longer journeys.

Tuffley caters to young minds with a range of educational options. Primary school students can attend The Willow Primary Academy, known for its nurturing environment, or Grange Primary School. Secondary education is provided by Holmleigh Park High School, fostering ambition and academic achievement in its students.

Daily errands are a breeze in Tuffley. The area offers a parade of shops for essentials, alongside a convenience store and pharmacy. Families are well-catered for, with a library and community centre providing activities and resources.

If you enjoy the outdoors, Tuffley has you covered. Take a stroll through the green expanse of Tuffley Park, perfect for picnics and playtime. For a dose of history, explore the nearby Gloucester Waterways Museum, showcasing the city’s rich canal heritage. Alternatively, you can hike or bike the trails at Robinswood Hill Country Park, enjoying panoramic views and wildlife spotting..

Residing in Stroud is perfect for commuters since it is conveniently located within a 20-45 minute train ride to Cheltenham, Gloucester, or Swindon, with frequent, direct train services to London Paddington. Additionally, the town centre is only a 15-minute drive from the M5, which links to Bristol and Birmingham and provides access to the M4 for travel to Wales or East towards London.

Detailed floor plans indicate your property’s potential and form an important part of marketing your home. Our system automatically generates an accurate floor plan using an in-built laser and advanced photogrammetry so buyers have reliable, precise measurements.

Going to the bank or building society you’ve always banked with can seem like an obvious decision if this is your first time purchasing a home. Similarly, you could be tempted to stay put and accept another loan from your current lender if you already have a mortgage and your deal is due to expire.

There are two potential problems with this. You won’t learn about mortgage products from other providers that might be a better fit for your needs and your bank might not be offering the cheapest or most suitable mortgage for your circumstances.

If you’re a remortgage customer and want to switch to a new rate because your old deal is expiring, you can do so online. This may sound very easy, but unlike talking to a broker, you won’t get any guidance on other options that might work for your situation, which could end up being quite expensive in the long run.

Choosing the right mortgage involves more than just selecting the lowest rate. Several benefits don’t necessarily come with the lowest rate deals but may be more advantageous for your situation, such as flexible overpayments, no early repayment fees, or low and no fee alternatives.

The MAB mortgage adviser will talk to you about your goals for the present and the future, find out about your career and family situation, and discuss any concerns you may have about your affordability or credit history. Next, they’ll let you know how much you can borrow and how much it will cost you to pay it back each month. They can also facilitate a smoother mortgage application process.

With thousands of people taking out mortgages each month, it is usually the most significant financial commitment of their lifetime.

A home purchase can sometimes mean spending as much as a quarter of your life paying off the loan, so planning properly and getting expert advice to avoid costly mistakes is crucial. High-interest rates along with the continued cost-of-living crisis, make finding sensible solutions more vital than ever. 

As a leading estate agent in Worcester, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. This is shown not only through the reviews our team receives but also through clients who return to use us when they think of selling or buying a home in Worcester.

As a leading estate agent in Tuffley, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. This is shown not only through the reviews our team receives but also through clients who return to use us when they think of selling or buying a home in Gloucester.

As a leading estate agent in Stroud, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. This is shown not only through the reviews our team receives but also through clients who return to use us when they think of selling or buying a home in Stroud.

As a leading estate agent in Gloucester, we pride ourselves on providing an exceptional customer experience to vendors, buyers and landlords alike. This is shown not only through the reviews our team receives but also through clients that return to use us when they think of selling or buying a home in Gloucester.

Find out more about why you should choose The Property Centre to sell your home.

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As well as a virtual tour, our state-of-the-art camera also captures high-quality, pin-sharp photographs by stitching together 3-6 wide-angle, 50-megapixel HDR images which are then professionally edited.

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With a virtual tour, prospective buyers can “revisit” a property as many times as they like, looking at every single detail of a room.  They can also share the virtual tour link with their family or anyone who could play a part in their decision making.

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Properties with a virtual tour attract far more detailed views from potential buyers searching online, which in turn generates more interest in your home. More demand to view your home not only means you can sell quicker, but it also helps to get you the best possible price for your home.

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There are several reasons why The Property Centre is the leading estate agent in Gloucester, Cheltenham, Stroud and Worcester. Firstly, our valuers are highly experienced and have a deep understanding of the local property market, which means that any valuation given is realistic and accurate. This, coupled with our team’s proactive approach, extensive database of proceedable buyers and commitment to providing an exceptional service, gives our vendors the best chance of a successful sale.

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comprised of dedicated professionals, the team’s commitment to excellence has earned us numerous accolades and recognition within the industry. From exceptional customer service to expert advice, the team at The Property Centre goes above and beyond to ensure the best possible experience for our clients.

our unique approach, exceptional service and understanding that buying, selling, letting or renting a property can be a complex process. So, we strive to make it as straightforward and stress-free as possible. From the valuation appointment through to progressing and completing a sale, every step of the way, our teams are here to provide expert guidance and support. Whether you’re a buyer, vendor, landlord or tenant, our team is dedicated to providing the highest level of service, keeping you informed and supported every step of the way.

While mortgage payment holidays have become increasingly popular, it’s important not to view this as an alternative to mortgage insurance. 

Mortgage payment protection insurance will only be paid out after you have successfully made a claim, so you can continue to pay your mortgage on time each month. In contrast, a mortgage payment holiday means you are deferring paying on what you owe, and this could potentially impact your credit score, as well as future lending decisions.

If you have monthly expenses you can’t miss, then it’s worth exploring income protection insurance. While you could use savings to help cover your finances while you’re off work, you risk completely draining your safety net. 

When deciding on if you need income protection, it’s important to think about your family situation. For example, if you have a partner, would they cope with covering your portion of the rent or mortgage while you’re unable to work? Or, if you have dependents, such as children or elderly parents that you’re providing for, consider the support income protection could provide to ensure their needs are met – even if you can’t work.

We can’t always predict if something is going to happen. In 2023, over 15,900 people claimed against their income protection policies across the UK, which was a 9% increase from 2022. Claims for musculoskeletal issues were the highest, accounting for around 34% of all claims. By being prepared for the unexpected means that you can take the time off that you need to recover without worry or financial hardship.

The best time to sell your house in Churchdown will depend on your circumstances and finances. Take a look at our seller’s guide or talk to our experienced Cheltenham team. They have an in-depth knowledge of the Churchdown property market and can advise you not only on market conditions but on what current buyers are looking for to help determine whether now’s a good time to put your property on the market.

The Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 came into force on 1 June 2020 and apply to all tenancies created on or after that date in England from 1 July 2020.

These new regulations require landlords to have the electrical installations in their properties inspected at least every 5 years and tested by a person who is qualified and competent. Landlords will also have to provide a copy of the electrical safety report to their tenants as well as to the local authority if requested.

Yes, it’s always advisable. By not doing so, your tenant could cause damage to your appliance and you may not be able to hold them responsible if you haven’t supplied instructions. You’ve a responsibility to maintain the appliances in good working order unless you specifically opt out of this responsibility. You can download some instructions from www.instruction-manuals.co.uk.

From October 2015 it became mandatory for all properties to have a smoke alarm on each level of the building and a carbon monoxide detector in each room where there is a gas appliance. The Property Centre will test the smoke alarms at the beginning of any new tenancy but the tenant will be responsible for testing and replacing batteries during the tenancy. If there are no smoke alarms or carbon monoxide detectors in the property in preparation for the tenancy start date, the Landlord authorises The Property Centre to arrange for them to be installed, if there are sufficient funds, and for the cost to be deducted from the rent collected. If there are no funds available, the tenancy start date may be delayed.

Provided we have received the rent, we do a payment run every Tuesday and Thursday and payment should appear in your account the following working day. We’ll send you a statement detailing the income and expenditure.

Two sets of keys are to be available to your tenant on the day of occupation. Any ‘special’ keys i.e. window locks etc., should be left in the premises for the tenants use. Please also ensure you retain at least one full set of keys for yourself, including window keys. If we are to manage the property on your behalf, we need to hold an additional set of keys to allow easy access for property inspections, maintenance contractors and emergencies

We’ll need to take internal and external photographs of the property in order to market it. We’ll also need a set of keys in order to carry out viewings. You’ll need to sign and return one copy of our Terms of Engagement. If you don’t have an EPC, we can arrange this on your behalf and you will also need to provide us with photographic proof of ID and proof of ownership. We’ll then start advertising your property immediately, upload the details onto all major property websites and contact our extensive mailing list.

A new, independent Private Landlord Ombudsman will provide landlords with tools, guidance and training on how to deal with complaints from tenants early on, while also providing tenants with information on how to sort complaints against landlords quickly and fairly, without the need for court proceedings.

Landlords will also need to register with a property redress scheme – even if they have their properties manged by an agent who is already registered with a scheme.

There will be a fee for registering, but the cost is yet to be released.

You will need to be registered before your property can be marketed – breaching this could result in a penalty of £7,000. Following the first penalty, if you haven’t registered with 28 days, you can be penalised again with a penalty of £48,000.

All landlords will need to register on the PRS Database. This applies regardless of whether their property is managed by an agent. Please note that agents will not be able to register on behalf of their landlords.

It’s expected that there will be an annual fee to register on the database, however a cost is yet to be released.

Yes — it offers a strong mix of value, lifestyle and connectivity, making it appealing to families, professionals and investors.

We cover Worcester and surrounding areas, including popular locations such as St John’s and nearby villages.

Yes — it offers a strong balance of lifestyle, connectivity and long-term value, making it attractive to a wide range of buyers.

Gloucester, Cheltenham and Stroud are consistently popular, each offering different lifestyles and property types.

Yes — it offers good value, strong transport links and a range of areas to suit different buyers.

Gloucester offers a wide mix, including period homes, modern developments and family houses across a variety of neighbourhoods.

You’ll find a mix of traditional family homes and newer developments.

St John’s offers a strong community feel, good schools and easy access to Worcester city centre.

Yes — it has strong transport links to Birmingham, London and the wider Midlands.

Worcester offers a varied market, with a mix of historic homes, modern developments and family properties.

Yes — many homes are located in or near surrounding villages with scenic views.

Stroud is known for its independent spirit, countryside setting and strong community atmosphere.

Yes — many buyers move to Tuffley for more space while staying close to Gloucester city centre..

Tuffley offers a mix of traditional homes and more modern properties, often with larger plots.

Yes — it offers excellent access to Gloucester city centre, the M5 and nearby employment areas.

The area mainly features modern homes, including terraces, semi-detached and detached properties.

Yes — many buyers choose Longlevens for its stability and strong community feel.

Its combination of established housing, good schools and proximity to Gloucester, Cheltenham and the M5 makes this area consistently appealing.

Well-priced homes often attract strong interest and can sell quickly.

Yes — its location, schools and transport links make it consistently popular.

Yes — it attracts buyers from across the UK due to its lifestyle, schools and strong reputation.

Cheltenham offers a mix of Regency properties, period homes and modern apartments, giving buyers a wide range of options.

Yes — the area is known for its newer developments, offering well-designed homes with practical layouts.

Abbeymead is especially popular with families and professionals looking for modern homes with good access to schools and amenities.

Whilst our experienced Lettings negotiators conduct all viewings to your property and collect initial applicant information, our dedicated Property Management team will run thorough checks on any possible tenant to give you complete peace of mind.

This includes conducting a rigorous credit check; completing all necessary paperwork and up-to-date legal documentation; checking the tenant’s right to occupy rented accommodation in the UK; preparing tenancy agreements and arranging the tenant’s references.

With 90% of property searches now starting online, you want your property to be promoted on as many websites as possible.

As the area’s leading estate agent, we’ll ensure your property is seen to best effect online.

We’ll promote it on the leading portals such as Rightmove and OnTheMarket, making it stand out from the crowd with a Premium Listing, exceptional imagery and an AI optimised description.

With 80% of property searches now starting online, a virtual tour, great imagery and an accurate floorplan are all vital assets in marketing your home to buyers and ensuring it stands out from the crowd.

Our teams are all professionally trained to use Giraffe360, a state-of-the-art system which captures unrivalled high-quality HDR images of your home and produces an immersive virtual tour.

This means that when we let your property, it’s promoted using the very best, engaging imagery, which is often the first thing that tenants look at.

Better still, the technology allows for a full, high-quality shoot of a 3-bedroom property in under 30 minutes, so we won’t take up any more of your time than is absolutely necessary and the final edited photos will be ready for you to view within 24-48 hours.

It became law in October 1994 to ensure that all gas appliances (boilers, cookers, fires and water heaters etc.) must be checked annually by Gas Safe registered (domestic) engineers.

 It’s the Landlord’s ultimate responsibility to adhere to this regulation and to provide a Landlord’s Gas Safety Certificate. This must be available to us before the let can proceed and must then be done on a yearly basis. We’ll be happy to organise this on your behalf, upon receipt of your signed Terms of Engagement.

From October 2015 it became mandatory for all properties to have a smoke alarm on each level of the building and a carbon monoxide detector in each room where there is a gas appliance.

If we manage your property, we will test the smoke alarms at the beginning of any new tenancy, but the tenant will be responsible for testing and replacing batteries during the tenancy.

If there are no smoke alarms or carbon monoxide detectors in the property in preparation for the tenancy start date, either you or our property management team will arrange for them to be installed before a tenancy starts at the cost of the landlord.

The Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 came into force on 1 June 2020 and apply to all tenancies created on or after that date in England from 1 July 2020.

Regulations require landlords to have the electrical installations in their properties inspected at least every 5 years and tested by a person who is qualified and competent. Landlords will also have to provide a copy of the electrical safety report to their tenants as well as to the local authority if requested.

Landlords are now required to carry out appropriate risk assessments otherwise they may risk prosecution. The risk assessment may be carried out by a competent person or the Landlord, if they are deemed competent.

Risk assessments should be reviewed regularly and whenever there is any change, such as vulnerable tenants, written records should be kept of whenever a risk assessment was carried out.

If you would like further verification about the new requirements, please visit http://www.hse.gov.uk/legionnaires/

Since 1st February 2016 all Landlords and Letting Agents in England who allow a Tenancy have needed to make checks on ID for all adult occupiers

Where an application is made by person or persons with a time limited right to rent who are not a British Citizen, EEA or Swiss national, they must provide a valid leave to enter or remain in the UK permit.

We will obtain an original version of acceptable proof of ID for each occupier and will check them in the presence of the holder. A copy will be retained and kept for 12 months after the end of the tenancy.

For our managed landlord, if the tenant’s Right to Rent is time limited, the expiry date is noted by our team who will contact them prior to that date where we will run the checks again.

If we carry out these checks and the tenant(s) no longer has the right to rent, we’ll make a report to the Home Office.

While not required, it’s always advisable to provide instruction manuals. By not doing so, your tenant could cause damage to your appliance and you may not be able to hold them responsible if you haven’t supplied instructions.

You have a responsibility to maintain the appliances in good working order unless you specifically opt out of this responsibility. You can download some instructions from www.instruction-manuals.co.uk.

If you are leaving the property, you should inform your utility companies that you’re moving out. Tenants should be encouraged to set up their own utilities within a week of moving into your property and as contact their utilities they’re vacating as soon as possible.

When managing your property, we use a company called Help The Move, who notify the utility companies and council when a new tenant moves in or when tenants vacate. If your property is untenanted, you will be required to cover utilities during this period. We’ll retain a record of meter readings for you but will need you to advise providers that we’ll be acting on your behalf as they will not communicate with us.

Unless specifically stated or instructed (in writing) otherwise, the rental charge is will not include gas, electricity, water, television licence, telephone and council tax.

You should be aware that the Water Act 2003 entitles the tenant to have a water meter installed, without permission, once they have occupied the property for longer than six months.

Your rental income is liable to tax, whether you’re a taxpayer in the UK or not.

If you’re a resident overseas, we will, as your Managing Agents, retain sufficient funds to meet tax liabilities, under the provision of the Taxes and Management Act 1970, unless you’re able to provide us with a Tax Exemption Certificate.

You’ll need to contact the Inland Revenue to obtain a NRL1 form (Non Resident Landlord). The basis of your assessment will be the gross rent received, less a deduction for allowable expenses relating to your property during the tenancy.

We’re unable to calculate your assessments with the Inland Revenue and recommend that you consult your own accountant or professional adviser as it may be possible for you to receive the rental income without the deduction of basic rate tax. Any excess held after the resolution of your tax liability will be returned – no interest will be paid on this money.

Provided we have received the rent, we do a payment run every day, except for weekends and bank holidays. The payment should appear in your account the following working day. We’ll send you a statement detailing the income and expenditure once a year, following your payment or at your request.

If a tenant can no longer pay rent, you can protect yourself against loss of rent and legal costs by arranging Rent & Legal protection. The cost varies, but we offer packages with transparent fees for landlords using our property management services:

For landlords under the Fully Managed plan, you can pay an additional £300+VAT per year to receive Rent & Legal protection.

Landlords who subscribe to our Platinum package get this feature included in the annual cost, with an additional property visit.

It is advisable to retain enough funds to meet at least one mortgage payment as some companies apply a penalty for missed or late payments.

A deposit is taken and held in respect of any breakages, damage or losses incurred during the tenancy period because of negligence on the part of the tenant.

Unless specifically instructed, a deposit of 5 weeks rent will be held by the Tenancy Deposit Scheme (TDS) (https://www.tenancydepositscheme.com/) for the duration of the tenancy.

In our Tenant Introduction package, we’ll forward the deposit to you. You’ll need to ensure that it is registered with one of the Government approved schemes within 14 days of receipt. The penalty for not doing so could result in a fine. We can lodge the deposit on your behalf if required.

This deposit is not liable for any taxation and will not accrue any interest. Subject to a final inspection being carried out, this deposit is refunded directly to the tenant, less any deductions.

The government have recently expanded the list of information you are required to provide your tenant, and this expanded list will be mandatory from May 2026.

From obvious information like names and addresses to explaining sections of landlord legislation so your tenant is fully informed on their rights. If you don’t do this, you will face legal consequences.

From May, you will only be able to review your properties rent 12 months after the tenancy agreement is signed. This means it is more important than ever to get an accurate valuation of your investment home, not only will it help you get the most out of your investment, but it’ll also help you let your property quicker.

A rent review can only increase in line with average property rates in the area for similar properties. Tenants have the right to disagree with increases so it’s important you know your properties worth.

If a tenant raises an objection with the tribunal, the increase can’t be implemented until after the tribunal ruling, which could take several months. If the tribunal decide the rent increase is fair, the new rent comes into effect from the date of the ruling, not the notice date.

No More ‘No-Fault’ Evictions

All tenancies will become Assured Periodic Tenancies

Stricter rent and advertisement rules

Removal of rent in advance

Changes to guarantors

PRS Database & Landlord Ombudsman

Pets welcome

Failing to comply with these changes will result in strict fines, most of which are cumulative with each offence. See our full guide to the incoming changes and All The Info You Need To Prepare here.

There is no best time of year to list a rental property. It normally takes about 2-6 weeks to find suitable applicant and for them to move into the property. Before your property is let for the first time, you’ll want to list it the moment it is ready for a tenant.

For landlords with leaving tenants, you’ll want to list your property as soon as their notice begins.

When letting a property, it must meet essential physical and habitation standards. The property should be in good repair throughout, from roof to foundation, and free from damp and mould, with all utilities in proper working order. This includes adequate sanitation facilities with reliable hot and cold water, effective drainage, and suitable bathroom and toilet provisions. Adequate heating and lighting must also be provided in safe, working order.

It is also important to ensure the property is left in a good, clean condition and that the garden is neat and tidy. The condition in which you let your property, should match the condition of when it was first let – subject to reasonable wear and tear from the previous tenants.

If the tenant fails to clean the property before leaving, as your property manager we can employ a professional cleaner and charge the tenant for the costs.

There’s a demand for both furnished and unfurnished accommodation and normally there’s little or no difference in the rent that can be achieved.

There’s similarly no difference from a legal point of view, although all soft furnishings have to comply with current safety regulations. It’s usual to leave a cooker and either blinds or curtains.

Any upholstered furniture must comply with the Furniture & Furnishings (Fire) (Safety) (Amendment) Regulations 1993 which sets the levels of fire resistance for domestic upholstered furniture.

First, you’ll need to inform you lender as this will likely affect your mortgage rate and obtain a “Consent To Let”.

You should also notify your Buildings & Contents insurers, who will advise you of the requirements to maintain your policy. You may need to change your insurer, as some insurers will not insure tenanted properties or they may reduce the level of cover provided.

If the property is leasehold, you’ll need to check with the management company or your leasehold agreement to ascertain if there are any restrictive covenants which forbid letting. If there are no restrictions, you’ll need to check if there are any restrictions outside of your leasehold.

Speak to one of MAB’s mortgage and protection advisers if you are unsure of any requirements.

Reasonable grounds include:​

Another tenant has an allergy (most applicable in HMOs)​

The property is too small for a large pet or several pets – a Great Dane in a small flat.​

The headlease prohibits pets​.

Reasonable concern for the animal’s welfare – if a dog is going to be left home unattended all day every day.

On a periodic tenancy, it’s important to know guarantors can give “reasonable” notice to end their role as guarantor.

If a guarantor isn’t notified of rent increases, their responsibility as guarantor is removed automatically.

If they are removed as guarantor, there is now no requirement to re-reference the tenant to ensure that they are able to meet the affordability for the rent by themselves.

As the title suggests, it is now an offence to require rent in advance. It’s important that potential tenants pass referencing to remove the need for advance payments. Using the right property management team, who can handle this for you, is even more important.

When advertising a rental property, landlords and agents must state the rent and can no longer suggest a price range. This rule also encompasses any communications between the landlord, agent and tenant.

The stated amount sets a ceiling for offers, not a starting point. It is now considered an offence to accept offers over the stated amount, with the first offence costing £7,000. A property can state one rent amount for “furnished” and a different amount for “unfurnished” on the same property – but it needs to be very clearly stated. ​

You can accept an offer below the stated amount, but this amount cannot be increased until the first rent review 12 months later.

In the private rented sector, tenancies now roll on from month to month, or week to week (depending on your arrangement), with no end date.

Tenants now need to provide a 2 months’ notice, instead of 1 month.

Landlords now require a valid reason to evict their tenant from their property. This means you are required to serve a Section 8 eviction notice with a specified ground to end the tenancy. The tenant will then have 4 weeks to vacate the property, so it’s even more crucial that your tenants are vetted thoroughly before they sign the contract.

In addition, for grounds 8 & 10 – Rent Arrears will now only be served once the tenant is 3 months in arrears, not the 2 months as was previously the case.

If you own more than 20–25% of a business and earn your primary income from it, lenders will usually class you as self-employed. It doesn’t matter if you’re a builder, consultant, therapist, musician, or run an e-commerce brand—if the business is viable and income is stable, we’re here to help you take the next step.

Typically, lenders will want to see:

1 to 3 years of income history

SA302 forms or full tax returns

Tax year overviews

Business accounts (if applicable)

Personal and/or business bank statements

Some lenders may also request proof of future income or ongoing contracts.

Mortgages serve as the biggest monthly outgoing for the majority of homeowners, and a logical solution to ensure you can keep paying this on time each month, if circumstances were to prevent you from doing so, is to take out mortgage insurance – especially if you have a sole or low joint income, or don’t have any savings to fall back on. 

Mortgage payment protection insurance (MPPI) is a type of income protection that covers you should you find yourself unable to work due to ill health or an accident. This can prevent you from defaulting on your monthly payments, and the subsequent repossession of your home.

There are varying levels of mortgage payment protection insurance available, and the level of cover you opt for will help determine the cost of the premiums, so it’s important to choose the cover that best suits your circumstances.  

As with any insurance policy, it’s important that you read the small print carefully to make sure there are no exemptions that may impact you.

You’ll usually need to be off work for a specified number of days before the policy starts paying out. This can range anywhere from 30 to 180 days. The longer the period you’re prepared to wait, the cheaper the policy will typically be.

With this in mind, evaluate your own circumstances. If you’re entitled to sick pay from your employer, take this into account when deciding how long you want for the waiting period to be. It’s also possible to take out a policy which doesn’t have a waiting period prior to making a claim. Whichever policy you opt for, make sure to do your research and read the small print before making any executive decisions.

Mortgage payment protection insurance covers the cost of your mortgage in the event you need to make a claim, with most policies typically paying out for any time between 12 months and 2 years. You can choose for the policy to pay out more than the cost of your mortgage, so other bills are covered, or you can opt to receive a proportion of your salary. However, there’s usually a minimum period that the policy is required to have been in place for before either of these can be arranged, which we’ll go into more detail on below. 

As always, bear in mind that the level of cover you choose will have an impact on the cost of your premiums.

While it’s vital that you have buildings insurance if you’re looking to get a mortgage, contents insurance is not compulsory. That being said, if you’re unsure whether you need it, ask yourself if you could afford to replace everything you own. If something happened to your kitchen, would you be able to afford to replace all the appliances in there? 

Make sure you’re protected in the case of unforeseen events, so that you don’t inadvertently place yourself in a vulnerable financial situation. For personalised advice, tailored to your specific needs, get in touch with one of MAB’s expert advisers. They don’t just do mortgage advice, they can also help you with your insurance.

Working out how much cover you need for both buildings and contents insurance is very important. Not having enough coverage can leave you financially vulnerable if something major happens, whether it’s damage, theft, or loss. 

Here’s how to work out how much cover you need:

Buildings insurance cover

You’ll want to consider how much it would cost to rebuild your entire property. Keep in mind that this is not the same as market value, as it focuses completely on the cost of rebuilding from the ground up. The chances of needing to rebuild your entire home are slim, but from there you and your provider will be able to work out how much it would cost to rebuild only specific parts of your home. Consult with a professional valuer to get an accurate estimate.

Contents insurance cover

For contents insurance, you’re going to want to build a comprehensive inventory of your belongings. While you’re doing this, try to give everything a clear value. It’s important to remember that some policies have limits for high-value items. 

Regularly update your inventory to reflect any new purchases or changes in your possessions. If you need to make a claim and don’t have enough cover for everything in your home, you may encounter some obstacles.

Contents insurance covers a wide range of items, from furniture and appliances to personal belongings like clothing and jewellery. Policies can vary, so it’s important to check what is specifically covered. Some policies may provide additional cover for items taken outside of the home, such as laptops or jewellery. Others may not provide cover for this and you’ll need to explore other options.

While buildings insurance protects the structure, contents insurance focuses on the stuff inside. This could include your furniture, electronics, clothing, and other valuables. Contents insurance means that if you need to replace or repair something because of damage or theft, you have financial coverage.

Buildings insurance typically covers the cost of repairing or rebuilding your home in case of damage. This will include the structure itself, and typically any built-in appliances, plumbing, and wiring. You also get policies that cover extra structures on your property, such as garages.

Buildings insurance is designed to protect the physical structure of your property, including the walls, roof, floors, and permanent fixtures. While it can’t protect your home from unforeseen damage, such as fire, flood, or vandalism, buildings insurance gives you a financial safety net should the worst happen to your property.

The easiest way to get income protection insurance is through a protection adviser. Not only can they compare options for you based on a thorough fact find, they can offer personalised advice unique to your circumstances. 

Mortgage Advice Bureau’s expert advisers offer a variety of ways to get in touch, whether over the phone, online, or face-to-face. They’ll work with you to find a solution that fits your unique needs and lifestyle. 

Request a callback from one of MAB’s mortgage advisers to begin securing your financial future for you and your loved ones. After all, we can’t predict what’s around the corner, but we can prepare for it.

Your current income, expenses, savings, and general family situation will determine how much cover you need. The more you earn, the more you’ll need to replace your income. If you have essential living expenses, you’ll need to make sure your payouts cover these. 

Keep in mind that income protection rarely covers your entire salary, so you want to aim to replace between 60-70% of your pre-tax income. This should cover a substantial portion of your income without overwhelming your budget. 

Your income may increase over time due to promotions or general salary increases but index linked policies will factor this in. 

Index linking is a technique used by insurers to ensure that the sum you’re insured for is relevant to changes in the economy. It’s meant to help protect you from being underinsured. However, if your circumstances change because of things like job changes, you’ll need to speak to a protection adviser to review your policy.

Short-term income protection insurance

This policy will typically cover a more limited period, such as 6, 12, or 24 months, with potentially shorter waiting periods and lower premiums. This type of cover may work for you if you just need something to bridge the gap until you’re back on your feet again. 

Payouts will typically be between 50-70% of your salary and will cover most illnesses and injuries that could prevent you from working for short to mid-term periods of time. These could include back pain, broken bones, and mental health conditions. Keep in mind that long-term policies will stay pay out for cases like this, but the deferment period may be longer.

Long-term income protection insurance

Long-term income protection covers longer periods, typically until retirement. Because of the longer payout time, the waiting period can be longer, and premiums may be higher. However, if something happens to you and you can’t work again, you’ll be covered. 

Your deferred period could be anywhere from 4 weeks to a full year, depending on how long you feel you could cope through using your savings alongside any employer sick pay and benefits. The longer your waiting period, the lower your premiums will be. Your adviser will make sure that you’re appropriately covered based on your unique circumstances.

Monthly premiums will vary based on your unique circumstances. Your age, health, occupation and lifestyle all play a part, but the biggest factor is the amount of coverage you need. 

Keep in mind that the longer the waiting period, the lower your premiums are likely to be. Policies with exclusions may also have lower premiums, but consider what you need most and prioritise that. Many individuals tend to have their deferment period tailored to their work’s sick pay policies and when those may expire.

Many people overestimate the cost of insurance, but an adviser will ensure that your premiums work with your budget, tailoring the policy to suit your needs. A specialist adviser can help with this, so get in touch if you want to explore the cost of income protection more.

Income protection insurance will usually cover any loss of income you may have because of illness or injury. Most policies will cover a wide range of conditions, including: 

• Physical illnesses: Including, but not limited to, heart disease, cancer, strokes, and respiratory problems.
• Accidents: These are injuries incurred from accidents, including car accidents, workplace accidents, or sports and recreation injuries.
• Mental health conditions: Some policies will also cover conditions such as depression, anxiety, and stress-related illnesses.
• There may be some exclusions, so be sure to read your policy carefully. These may include: 
• Pre-existing conditions 
• Self-inflicted injuries
• Certain types of employment (such as having a high-risk job)

Some policies may have additional benefits, including a waiver of premiums if you can’t work. Additionally, some policies may allow coverage for rehab and treatment costs to help you return to work.

Income protection insurance can have a waiting period before your cover kicks in, usually lasting between 4 to 12 weeks. This is known as the deferred period. You will also have a set benefit period lasting until you start work again or you reach a specific age. This is usually for a fixed number of years.

We make the process of getting the right income protection policy easy. You’ll start by choosing a policy that suits your needs and budget with the help of Mortgage Advice Bureau’s expert advisers. This will include choosing your monthly benefit amount, waiting period, and cover duration. It’s important to make sure that the monthly benefit amount is enough to cover your necessary expenses. 

An initial chat with one of MAB’s protection advisers is free and an excellent way to get a sense of exactly what you need.

Once you decide on the right policy for you, you’ll then begin to pay monthly premiums, meaning you’re covered by the policy. If you become unable to work because of illness or injury, you’ll need to submit a claim to your insurance provider and provide medical documents to support your payout.

Remember, your policy will have a waiting period, which can vary. This is the time that you must be off work before your policy kicks in. 

Some income protection policies will also have exclusions. These will be certain conditions that are not covered and may include pre-existing conditions, such as mental health or certain types of injuries.

Life can throw curveballs at us when we least expect it. Spending a little time planning for the worst may mean that you and your loved ones have the peace of mind that, should the worst happen, they will be protected.

There is a wide range of life insurance policies you can choose from, but understanding all of the options available to you can be very confusing. 

If you still need more information, one of MAB’s protection advisers will be able to help you.

The cost of the premiums will depend on several things, including the amount you want to be covered for and how long for, as well as your age, health, if you smoke, drink etc.

You can choose the term of the policy and the amount you’d like to be paid out, should you make a claim. Depending on your policy, it can either pay out in one lump sum or in regular monthly payments. By speaking to a protection adviser, they can help determine which type of policy would be right for your needs. For instance, you may decide on a Family Income Benefit which pays out monthly to help with the bills, and a life insurance policy to pay off the mortgage. 

Life insurance is a policy that protects your loved ones financially in the event of your death. Death isn’t something people like to think about, so life insurance often gets overlooked. Research from Direct Line revealed that 60% of people agreed that life insurance would benefit their family if the worst were to happen, yet only 35% held a policy.

Whether you’re a first-time buyer or not, there are a plethora of benefits to using a mortgage broker to help you secure the right deal. A mortgage broker with specific experience in helping those struck in a rental rut to find a workable solution will provide you with the most relevant advice.

With a professional mortgage broker in each of our 9 branches, plus head office, and with access to 1,000s of mortgages from over 90 UK lenders, we have the knowledge and experience to secure the right mortgage deal for you. 

If you have a history of missed rental payments, this could damage your credit rating. This is because missed payments can be recorded on your credit file, which lenders will see when they assess your application for a mortgage.

Another option for renters who want to buy a home is to use a buy-to-let property. This means buying a property to rent out to tenants, while you continue to rent yourself. This can be a good way to build up equity in a property, which you can then use to buy your own home.

There are a few things you can do to improve your chances of getting a mortgage while renting:

Save up a large deposit

This will show lenders that you have a significant amount of money saved up, which will make you a more attractive borrower.

Get a good credit score

This will show lenders that you’re a responsible borrower and that you’re likely to repay your mortgage on time.

Consider a government-back mortgage

These mortgages are often available to borrowers with smaller deposits, so they could be a good option for you if you’re renting.

Work with a mortgage broker

A mortgage broker can help you find the best mortgage for your circumstances.

It is possible to pay rent and a mortgage at the same time, but it’s important to make sure that you can afford both payments. If you’re considering this option, you should speak to a mortgage broker to get advice on your individual circumstances.

When you apply for a mortgage, lenders will look at your income and outgoings to assess your affordability. Rent payments are not automatically recorded on your credit record, so they won’t have a direct impact on your mortgage application. However, if you have a history of missed rental payments, this could be a red flag for lenders and could affect your chances of getting a mortgage.

Renting is a common reality for many people in the UK, especially in areas with high property prices. However, renting can also make it more difficult to buy a home, depending on your circumstances.

Reasonable costs for any damage can still be claimed through the security deposit at the end of a tenancy.

The tenant may be liable for a proportion of the set-up fees if their landlord suffers a financial loss as a result of the early termination.

Tenants can be liable for any reasonable charges up to £50.

A reasonable charge will be payable to cover the cost of they key cutting/lock change.

Any missed rent payments will still need to be paid for by the tenant.

Maximum of five weeks’ worth of rent for properties with an annual rent below £50,000. This rises to 6 weeks’ rent for tenancies with an annual rent above £50,000.

Maximum of one week’s rent and only one payment taken per property under application. This is returned once the application is successful. If the applicant pulls out of the application and if the landlord or agent suffers a financial loss as a result, this deposit could be withheld.

A Landlord is required to serve two months’ notice to the tenants to coincide with the end of the initial fixed term of tenancy or at the end of a period if the tenancy has rolled over into a statutory periodic tenancy. We must be advised in writing when you would like us to serve the notice otherwise the tenancy will continue. This needs to be served before the anniversary date of the tenancy.

From 1st February 2016 all Landlords and Letting Agents in England who allow a Tenancy will need to make checks on ID for all adult occupiers

The Property Centre will obtain an original version of acceptable proof of ID for each occupier and will check them in the presence of the holder. A copy will be retained and kept for 12 months after the end of the tenancy.

Where an application is made by person or persons with a time limited right to rent who are not a British Citizen, EEA or Swiss national, they must provide a valid leave to enter or remain in the UK permit.

The Property Centre will notify the Landlord if follow-up checks are necessary for Tenants with a limited right to rent and if The Property Centre is instructed by the Landlord to carry out these checks, a fee of £100.00 plus VAT will apply. If The Property Centre carries out these checks and the Tenant(s) no longer has the right to rent, The Property Centre will make a report to the Home Office.

If the Landlord does not require The Property Centre to carry out these checks, the Landlord accepts responsibility for ensuring the checks are carried out in accordance with the Immigration Act 2014 and for notifying the Home Office if the Tenant(s) no longer have the right to rent.

Landlords are now required to carry out appropriate risk assessments otherwise they may risk prosecution. The risk assessment may be carried out by a competent person or the Landlord, if they are deemed competent.

A risk assessment should address the following:

Is the water stored between 20 and 45 degrees?

Is there stagnant water in any areas of the water system, for example old redundant pipework?

Is there rust, sludge or organic matter in the system?

Do the thermostatic valve on outlets release water within the above temperature range?

Are there any outlets which are not frequently used, for example hot tubs, showers or taps in second bathrooms?

You also have to consider whether your tenant is particularly at risk due to age, illness or weakened immunity.

Where a risk is identified it should be dealt with by flushing the system, avoiding debris in the system, ensuring the correct temperature is maintained and advising tenants of the risks and how to avoid them.

Any redundant pipework should be removed.

Risk assessments should be reviewed regularly and whenever there is any change, such as vulnerable tenants, written records should be kept of whenever a risk assessment was carried out.

If you would like further verification about the new requirements, please use the link below:

http://www.hse.gov.uk/legionnaires/

It became law in October 1994 to ensure that all gas appliances (boilers, cookers, fires and water heaters etc.) must be checked annually by British Gas or Corgi/Gas Safe registered (domestic) engineers. It’s the Landlord’s ultimate responsibility to adhere to this regulation and to provide a Landlord’s Gas Safety Certificate. This must be available to us before the let can proceed and must then be done on a yearly basis. We’ll be happy to organise this on your behalf, upon receipt of your signed Terms of Engagement.

We would recommend that you arrange for your mail to be re-directed as we cannot guarantee that tenants will forward it to us. We cannot accept liability for post which is lost or not redirected.

We use a company called Hallmark, who notify the utility companies and council when a new tenant moves in or when tenants vacate. You should also inform the various utility companies that you are moving out and we advise the tenants that they must inform them when they move in. We’ll retain a record of meter readings. You should advise providers that we’ll be acting on your behalf as they will not deal with us otherwise.

Unless specifically stated and instructed to the contrary (in writing), the rental charge is exclusive of gas, electricity, water, television licence, telephone and council tax. You should be aware that the Water Act 2003 entitles the tenant to have a water meter installed, without permission, once they have occupied the property for longer than six months.

It normally takes about 2-6 weeks to find and move in a suitable applicant for a property. Since October 2008 it has become a legal requirement for all properties marketed for letting to have an Energy Performance Certificate (EPC). We can arrange this for you.

• Initial marketing on Rightmove and our own website
• Property details circulated to all potential tenants registered on our database
• Full-colour property details
• Qualification of viewers before arranging viewings to ensure they meet your criteria, e.g. non-smokers
• Accompanied viewings
• Negotiations

• Tenant vetting including:
• Obtaining proof of ID
• Credit check
• Employment and existing or previous Landlord references
• Initial Right to Rent checks to comply with the Immigration Act
• Arranging gas and electrical certificates in preparation for the start of the tenancy
• Tenancy Agreement and associated document preparation
• Inventory and schedule of condition to include colour photographs
• Registration of deposit
• Utility company notifications

• Liaising with Landlords to resolve any issues raised by the tenant
• Instructing contractors and monitoring maintenance issues
• Payment of contractors’ invoices
• Updating Landlords about any changes in legislation
• Manage any third-party queries e.g. from utility providers
• Conducting property visits (three per year for Platinum Service, two per year for Full Management Service)
• Rent collection and monitoring – should the tenant miss a payment we will contact them to identify any problems
• Rent reviews
• Rent and legal protection – optional
• End of tenancy check out
• Dispute negotiations and arranging works to prepare a property for the next tenancy

• Tenant vetting including:
• Obtaining proof of ID
• Credit check
• Employment and existing or previous Landlord references
• Right to Rent checks to comply with the Immigration Act
• Arranging gas and electrical certificates in preparation for the start of the tenancy
• Tenancy Agreement and associated document preparation
• Inventory and schedule of condition to include colour photographs
• Smoke alarm testing on the day the tenant moves in
• Registration of deposit
• Utility company notifications

• Initial marketing on Rightmove and our website
• Property details circulated to all potential tenants registered on our database
• Full-colour property details
• Qualification of viewers before arranging viewings to ensure they meet your criteria, e.g. non-smokers
• Accompanied viewings
• Negotiations

Our team in Gloucestershire and Worcestershire is composed of experienced property management professionals dedicated to delivering outstanding service. We take pride in our ability to exceed landlord expectations through proactive management strategies, ensuring that every property is managed with the utmost care and professionalism.

Our commitment to providing top-tier property management services for landlords encompasses everything from tenant screening and lease management to maintenance and repairs. We understand that each property is unique, and our flexible management solutions are designed to address the specific needs of your investment, ensuring it is well-cared for and profitable.

Our forward-thinking approach extends to social media, where we have established a significant presence. With thousands of followers on Instagram and Facebook, we leverage these platforms to extend your property’s reach, engaging potential tenants with compelling content and innovative property videos that showcase the best your property has to offer.

In an era where over 80% of property searches begin online, a robust online presence is indispensable. We guarantee that your property receives maximum visibility on premier property portals such as Rightmove, Zoopla, OnTheMarket, and Prime Location. Our marketing expertise doesn’t stop there; our in-house team, dedicated to marketing your property and The Property Centre brand, utilises a wide array of media channels to ensure your property stands out in the competitive market.

Recognizing the diverse challenges and needs of landlords is at the core of our philosophy. We offer a spectrum of services, from basic introductions to comprehensive management packages, ensuring that we meet the unique requirements of every landlord. This approach has garnered us a multitude of five-star reviews on Google, a testament to our commitment to excellence and personalised service in landlord property management.

Our extensive network, featuring 10 offices strategically located in key communities such as Cheltenham, Gloucester, Stroud, and Worcester, offers exceptional local insight vital for proficient property management for landlords. This localised expertise is not just about promoting your property; it encompasses a deep understanding of local market dynamics, community happenings, and the ability to forecast trends that might influence your property’s rental potential. This depth of local knowledge ensures we can offer sage advice on both the promotion of your current properties and potential future investments.

Choosing The Property Centre means entrusting your property to a team that is deeply committed to your success. We offer a comprehensive suite of services designed to alleviate the burdens of property management, allowing you to focus on the rewards of your investment. Our proactive approach to maintenance, combined with our expertise in the local market, positions us as the leading choice for landlords seeking peace of mind and profitability from their rental properties.

In conclusion, The Property Centre offers a holistic and sophisticated approach to property management for landlords, underscored by our award-winning service, local market expertise, and innovative marketing strategies. Our dedication to excellence and personalised service ensures that we meet the diverse needs of landlords, providing them with the support they need to navigate the complexities of property management successfully. Whether you’re a new landlord or an experienced investor, The Property Centre is your trusted partner in maximising the potential of your rental properties.

The tenant may be liable for a proportion of the set-up fees if their landlord suffers a financial loss as a result of the early termination.

Pay your rent on time, keep the property clean, and report any problems to your landlord promptly. This will help you build a good relationship with your landlord, which can make it more likely that you’ll get your deposit back in full.

If you agree to any changes to the property, get it in writing. This will help protect you if there are any disputes later on.

When you first move in, take photos and videos of the property to document its condition. This will help you if there are any disputes about the state of the property when you move out.

If you’ve caused any damage to the property, fix it before you move out. This could include things like fixing holes in the walls, replacing broken lightbulbs, or repainting scuffed walls.

This is one of the most important things you can do to avoid deductions to your deposit. Make sure to clean every room thoroughly, including the kitchen, bathroom, and appliances.

Reasonable costs for any damage can still be claimed through the security deposit at the end of a tenancy.

Complete reasonably prompt repairs and undertake maintenance to the property as required.

The property must comply with building regulations.

To maintain the structure and exterior of the property, hot water installations and water supply, electrical wiring, basins, baths, sinks, toilets etc.

All gas appliances are safely maintained by Gas Safe-registered engineers – The HSE website has further information on gas safety checks and your responsibilities as a landlord.

Ensure all electrical equipment is safe to use (this can only be determined by a qualified person).

Any furniture supplied must meet the necessary fire-resistant regulations.

To be aware of their responsibilities of ensuring the property is safe.

We also have a Winter Advice Guide available for Landlords and Tenants.

Properties that are well maintained not only retain their optimum value, but  are more sought after by tenants. Whatever the issue or repair, we have a team of trusted local contractors, who can carry out the work easily and efficiently. Similarly, if you’d rather use your own contractors, we’re happy to liaise with them too.

An inventory is a concise description of the property, detailing everything from floor to ceiling, including doors, light switches, and the colour of walls and carpets.

Supported with digital photographs, this record of the property’s condition is supplied to both the landlord and tenant when a new tenant takes occupancy.

Both the landlord and tenant will need to sign this copy of the inventory to acknowledge their agreement with the property’s condition. This copy will be used to check the tenant out at the end of their tenancy.

If any damage occurs during the tenancy, this list will provide documented proof of the property’s condition, allowing dilapidation or damage charges to be applied if necessary.

The tenancy deposit protection scheme advises that unless something is detailed in the inventory, it is considered not to exist.

Should there be a dispute at the end of the tenancy that requires adjudication, a judgment can only be made based on the evidence presented. Therefore, it is extremely important that the inventory is detailed and accurate.

For more information, please read our Guide To Letting Your Property.

The database will be used to monitor compliance, with copies of the Gas Safety Test, EPC and EICR to be uploaded for each property. It is a specific requirement to keep the database updated, so new reports will need to be uploaded as they are completed.

A landlord who owns several properties independently, but also owns properties under a company name, or as part of a partnership has different ownerships.

It is expected that each form of ownership will require a separate registration (as it currently does in Wales), but that there will be a way to link them so that if a poor landlord receives a prohibition under their sole ownership, this can also be applied to properties they own under a company name or as part of a partnership.