Fleet Mortgages has introduced a suite of resources to help brokers discuss the implications of the Renters’ Rights Act with landlord clients.
The buy-to-let lender has created a dedicated section of its website covering the legislation, including implementation dates, areas landlords may need to consider and potential topics for conversations between advisers and borrowers.
The material includes a guide to the Act for advisers, a timeline setting out forthcoming changes and a Broker Conversations resource designed to help intermediaries identify possible risks, opportunities and future financing requirements among landlord clients.
Fleet’s launch follows further details from the government this month on phase two of the Renters’ Rights Act and the planned rollout of its new ‘Register your rental property’ service.
The registration scheme is due to begin in the West Midlands on 15 December 2026, before extending to the East of England on 15 January 2027. A further region will then be added each month, with the South West scheduled to join on 15 August 2027.
Landlords will have three months from the relevant regional start date to register properties which are let, or become let during the rollout. Registration will cost £65 per property each year, with landlords required to submit information covering areas including the property, tenancy, rent and health and safety.
Fleet said the additional costs and administrative requirements created another reason for brokers to engage with landlord clients and review how forthcoming changes could affect their portfolios and borrowing needs.
Steve Cox (pictured), chief commercial officer at Fleet Mortgages, said: “The Renters’ Rights Act represents a major change for landlords, and the government’s announcement this month means we now have much more detail about the next stage and exactly when landlords across England will need to act.
“The registration service is particularly important because we now know the regional timetable, the three-month registration periods and the £65 annual cost for every property. For portfolio landlords in particular, that cost can quickly add up, while there is also a considerable amount of information they will need to have ready for each property.
“We have produced these resources because we believe advisers have an important role to play in helping landlord clients understand what is changing and what it might mean for their businesses.
“This does not mean advisers need to become experts on every part of the legislation, but they can make sure their clients are aware of what is coming and point them towards the right information.
“There is also a wider advice opportunity here. Changes to costs and regulation can prompt landlords to review individual properties, their portfolio structure, future purchases and their financing arrangements, and these are all conversations advisers are well placed to have.
“Our Broker Conversations resource is specifically designed to help with this. Rather than simply providing information about the Act, we want to give advisers practical ways to start those discussions, questions to raise, plus information to help them understand what their landlord clients may need from them over the months and years ahead.
“The Renters’ Rights Act will continue to develop and further requirements are still to come, so this will not be a one-off exercise. We will continue to update our resources as more detail becomes available and help advisers keep those conversations going with their landlord clients.”
The lender said its Renters’ Rights Act material will be updated as further information about implementation becomes available.
