Author: Elaine Ford

Energy performance might not be the first thing you think about when selling or letting your property , but it’s becoming one of the most important. If you’re not sure where your property stands, now is the time to find out.

Buyers and tenants are paying closer attention than ever, and with legislation tightening, your EPC rating could be influencing everything from buyer interest to the price you achieve.

What Does an EPC Rating Actually Mean? An Energy Performance Certificate (EPC) rates how energy efficient your property is, from A (most efficient) to G (least efficient).

In simple terms, it tells buyers and tenants:

  • How much it will cost to run
  • How energy efficient the home is
  • What improvements could be made

And increasingly, it’s becoming a deciding factor.

How It Impacts Sellers – For sellers, a lower EPC rating can quietly affect your sale.

Buyers are more aware of running costs than ever, and a poor rating can:

  • Raise concerns about future expense
  • Lead to tougher negotiations
  • Result in lower offers or longer time on the market

In contrast, well-presented, energy-efficient homes often attract stronger interest and achieve better results, particularly when everything is positioned correctly from the start.

What It Means for Landlords – For landlords, EPC ratings aren’t just about appeal, they’re about compliance.

Current regulations require rental properties to meet a minimum EPC standard, and further changes are expected as legislation evolves.

That means:
  • Properties with lower ratings may require upgrades
  • Future restrictions could impact your ability to let
  • Acting early can help you plan improvements more cost-effectively

Understanding your position now puts you in control, rather than reacting later.

Small Improvements, Big Impact – The good news is that improving your EPC rating doesn’t always mean major work.

Simple changes can make a difference, such as:

  • Upgrading insulation
  • Improving heating systems
  • Switching to energy-efficient lighting

These improvements can enhance both appeal and value, whether you’re selling or letting.

Why It Matters More Than Ever – Energy efficiency has shifted from a “nice to have” to a key consideration.

For both buyers and tenants, it’s about cost, comfort and future-proofing and for sellers and landlords, it’s about staying competitive in a changing market.

Do You Know Where Your Property Stands? Understanding your EPC rating and how it may be affecting your property’s value is an important first step.

We can help you understand your position, what buyers are looking for, and how to move forward with confidence.

Speak to our team today for clear, practical advice on how your EPC rating could be impacting your property and what you can do about it.

We care about property, we care about you.

Author: Elaine Ford

It’s one of the most common questions we’re hearing right now — “Should I sell now, or wait?” With more homes coming to market this spring than we’ve seen in years, it’s understandable to pause and consider your timing. But the reality is, waiting doesn’t always mean a better result. In fact, for many sellers, acting now could be the smarter move.

What’s Happening in the Market Right Now? Spring 2026 has brought a noticeable increase in new listings across the Cotswolds. More choice for buyers is great but it also means more competition between sellers.

When more properties are available, buyers naturally become more selective. That’s why getting your pricing, presentation and marketing right from the outset is more important than ever.

So… Should You Wait? In short – not necessarily.

There’s a common belief that waiting until later in the year might mean less competition. But autumn markets often bring motivated sellers and serious buyers too, so the dynamics don’t always shift as much as people expect.

More importantly, delaying your move could mean:
  • Missing out on buyers who are ready and active now
  • Entering a market with similar or even increased competition
  • Losing valuable momentum if you’ve already started planning
Why Acting Now Can Work in Your Favour – Even in a more competitive market, the right approach delivers results.

On average, our clients:

  • Agree sales faster than the local average
  • Achieve closer to their asking price
  • And are more likely to successfully move
It’s a reflection of getting the detail right from day one, from pricing and presentation through to negotiation and communication.

It’s Not About Timing the Market – It’s About Getting It Right – The most successful moves don’t come down to timing alone, they come from:

  • Accurate pricing from the start
  • Strong marketing that captures attention early
  • A proactive, well-managed sales process
When these elements come together, your property stands out regardless of the season.

What’s the Right Move for You? Every property and every move is different. The best way to decide is to understand your position in today’s market and what you could realistically achieve.

Curious What Your Home Could Achieve Right Now? We’ll give you clear, honest advice based on current market conditions, helping you decide with confidence, not guesswork.

Book your free valuation today and see how the right approach can make all the difference.

We care about property, we care about you.

Author: Elaine Ford

As part of our ongoing commitment to the local community, we’re delighted to once again offer our complimentary gazebo lending service to help make your event a success.

We know how much time and effort goes into organising outdoor events and how important it is to have the right equipment in place to make the day a success.

That’s why we’re pleased to once again offer our complimentary gazebo lending service to support local schools, charities and community groups.

Whether you’re organising a school fete, charity fundraiser, village celebration or family event, our large gazebo (measuring 4m x 3.5m) provides a practical and welcoming covered space — ideal for stalls, refreshments or simply sheltering from unpredictable British weather.

Supporting Our Local Community – Last year, a wide range of charities, schools and community organisations made use of our gazebo, helping to create comfortable, well-run events across the area. We’re proud to continue supporting local initiatives in this simple but practical way.

The gazebo is available free of charge, subject to availability and weather conditions.

How to Book – If you’d like to reserve the gazebo for your event, please email gazebo@perrybishop.co.uk and our team will be happy to coordinate delivery and collection, subject to availability.

We look forward to supporting another busy year of community events.

Kind regards,

The Perry Bishop Team

Author: Elaine Ford

The private rented sector is evolving rapidly, and in 2026 compliance isn’t just about ticking boxes it’s about protecting your investment and reducing risk. With the Renters’ Rights Act, stronger enforcement powers and tighter standards coming into force, landlords need to be more proactive than ever.

So what does a compliant rental property actually look like in 2026?

Up-to-Date Safety Certification – A compliant property must have:

  • A valid Gas Safety Certificate (CP12)
  • A current Electrical Installation Condition Report (EICR)
  • Working smoke alarms on every floor
  • Carbon monoxide alarms where required
  • A valid Energy Performance Certificate (EPC) meeting minimum standards
Local authorities now have greater inspection and enforcement powers, meaning expired certificates are far more likely to result in penalties.

Meeting the Decent Homes Standard

The Decent Homes Standard is extending into the private rented sector. Properties must be free from serious hazards and maintained to a safe, liveable standard.

Issues such as damp, mould, poor heating and disrepair must be addressed promptly, particularly with Awaab’s Law introducing stricter timescales for resolving health hazards.

Proactive maintenance and regular inspections are no longer optional, they are essential.

Correct Documentation & Processes

From May 2026, tenancy documentation must follow prescribed government wording. Rent increases must follow the statutory process, and proper notice must be served in the correct format.
Accurate record keeping will be critical, particularly if a rent increase or possession notice is challenged.

Registration & Transparency

With the introduction of the Private Rented Sector Database and Landlord Ombudsman scheme, landlords will need to ensure they are properly registered before marketing a property.
Compliance documentation will be more visible and easier to scrutinise.

In short: organisation matters. Why It Matters

Compliance isn’t simply about avoiding fines. It protects:

  • Your rental income
  • Your ability to regain possession
  • Your reputation
  • Your long-term asset value
The regulatory landscape is becoming more structured and transparent. Landlords who prepare early will find the transition far smoother.

Prepare now, protect your investment and stay ahead of the changes our lettings team is ready to help. Give them a call today.

Lets chat.

Author: Elaine Ford

Buy to Let mortgages play a key role in helping landlords build and maintain successful rental portfolios. Whether you’re reviewing an existing mortgage, considering refinancing, or thinking about your next investment, understanding how Buy to Let finance works can help you make confident, informed decisions.

What Is a Buy to Let Mortgage? A Buy to Let mortgage is designed specifically for properties that are rented out rather than owner-occupied. Unlike residential mortgages, lenders assess affordability primarily on the rental income the property can generate, rather than personal salary alone.

This makes Buy to Let mortgages particularly suited to long-term investors focused on sustainable rental returns.

Rental Income and Affordability – Most lenders require the expected rental income to exceed the mortgage payment by a certain margin, often referred to as a rental coverage ratio. This provides a buffer to help cover costs such as maintenance, void periods, and interest rate fluctuations.

As rental demand remains strong in many areas, landlords are increasingly well-positioned to meet these criteria, particularly when rents are reviewed regularly and aligned with the local market.

Fixed vs Variable Rates – Buy to Let mortgages are available on both fixed and variable rates, each offering different benefits:

  • Fixed-rate mortgages provide certainty and predictable monthly payments, which can help with longer-term planning.
  • Variable or tracker mortgages may offer flexibility and can be suitable for landlords who anticipate changes to their portfolio or plan to review their mortgage in the near future.

Choosing the right option often depends on your investment strategy, risk appetite, and future plans for the property.

Reviewing Your Mortgage Regularly – Mortgage products and lending criteria change frequently, which is why regular reviews are important. A mortgage that suited your needs a few years ago may no longer be the most efficient option today.

By reviewing your Buy to Let mortgage, landlords may be able to:

  • Improve cash flow
  • Release equity for future investment
  • Align borrowing with longer-term portfolio goals

The Value of Professional Advice – Navigating Buy to Let finance can feel complex, particularly when combined with changing regulations and market conditions. Taking professional advice ensures you understand your options clearly and choose a mortgage that supports both short-term stability and long-term growth.

When combined with a well-managed rental property, the right mortgage structure can help landlords maximise returns while maintaining flexibility for the future.

Buy to Let mortgages remain a vital tool for landlords looking to grow or sustain their rental portfolios. By staying informed, reviewing options regularly, and taking a considered approach, landlords can ensure their finance continues to work effectively alongside their investment strategy.

Speak to our Mortgage Team – Whether you’re reviewing an existing Buy to Let mortgage or planning your next investment, our mortgage specialists are here to help. Get in touch for clear, tailored advice.

Telephone: 01285 646797
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £495 on mortgage offer.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lending if you remortgage (Not all Buy-to-Let Mortgages are regulated by The Financial Conduct Authority).
Perry Bishop Financial Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Author: Elaine Ford

Significant change is coming to the private rented sector. With the Renters’ Rights Act set to reshape how tenancies are managed, ended and reviewed, now is the time to understand what it means for you. Join us for a FREE practical seminar designed to give landlords clarity and confidence in navigating the new landscape.

Event Details

📍 Stratton House Hotel, Cirencester
📅 31st March 2026
🕔 5pm – 7pm

Spaces are limited.

👉 Register your interest and secure your place here:

https://bit.ly/4aGulwX

Hosted by Sian Harris, Managing Director Lettings, alongside Phillip Bishop, Managing Director, this informative session will break down the key reforms in straightforward terms, including:

  • The move to periodic tenancies
  • The end of Section 21
  • Changes to possession grounds
  • New rent review processes
  • Evolving compliance requirements
Our aim is simple: to help you understand what’s changing and how to prepare calmly and proactively.

We’re also pleased to be joined by Craig Legge of Perry Bishop Financial Services and Nick Haines of Hazlewoods, who will share valuable insight into the financial and tax considerations landlords should be thinking about as the sector evolves.

Whether you own a single property or manage a larger portfolio, this is an opportunity to gain practical guidance, ask questions and connect with fellow landlords in a relaxed and supportive setting.

Secure your place today and make sure you’re prepared for what’s ahead.

We look forward to welcoming you.

Author: Elaine Ford

Notices: Landlords will no longer be able to serve a Section 21 (No Fault Eviction) notice to gain possession of their property from tenants. Instead, landlords will only terminate the tenancy by serving a Section 8 notice, specifying one or more appropriate grounds for possession and providing four months’ notice. Different grounds have different notice periods. The notice must be provided on the government website and can be changed at any time by amending it on the website. This will apply to both new and existing tenancies from 1st May 2026, providing immediate protection to private tenants.

The grounds for possession include:

  • the landlord wishing to sell the property
  • the landlord wishing to occupy the property themselves
  • or the landlord wishing for their family to occupy the property

A tenant may terminate the tenancy at any point by serving a two-month notice in writing on the landlord. The notice must expire the day before the rent is due.

If there are joint tenants, then notice by one will be effective for all tenants.

Section 8 notices: Grounds will be introduced and amended. These notices must include a reason, such as when landlords are selling or moving in family. These include:

  • New ground 1A: For landlords selling their property. Requires four months’ notice and cannot expire within the first 12 months. Landlords cannot remarket for let (short or long term) for 12 months.
  • Amended ground 1: For landlords or family moving in. Notice periods mirror ground 1A. Landlords cannot re-let the property for 12 months.
  • Amended ground 8: For serious rent arrears. Tenants must have at least three months of arrears (previously two), and the notice period increases from two weeks to four weeks.
  • New ground 4A: Possession of student accommodation. Applies only to HMO-licensed properties and can only expire between 1st June and 30th September.

 

 

 

Author: Elaine Ford

Decent Homes Standard

The Decent Homes Standard will now extend to the private rented sector, forming part of the Housing Health and Safety Rating System (HHSRS).

In simple terms, rental properties must be free from serious hazards and meet defined minimum safety standards. Local authorities will have stronger enforcement powers, including the ability to issue immediate fines where significant failings are identified.

Proactive maintenance and regular inspections will be more important than ever to protect both tenants and your investment.

Awaab’s Law

Awaab’s Law, which already applies to social housing, will now extend to private landlords – date to be confirmed.

This introduces strict timescales for investigating and resolving serious health hazards such as damp and mould. If landlords fail to act within the required timeframe, tenants may pursue compensation in addition to standard disrepair claims.

Clear reporting systems, prompt action and thorough documentation will be essential.

Our role is to ensure issues are identified early, managed properly and resolved efficiently keeping your property compliant and your position protected.

Author: Elaine Ford

Tenancy terms

Landlords will be required to provide tenants with a written statement of the tenancy terms in the government-prescribed format.

When the Act is implemented, existing tenants must receive a government-issued summary outlining what is changing within one month. There is no requirement to replace current tenancy agreements but communication and record keeping will be key.

Rent cannot be taken before the tenancy agreement has been signed and executed. A deposit, however, can still be collected in advance.

The end of fixed term tenancies

From 1 May 2026, Assured Shorthold Tenancies (ASTs) will be abolished. All new and existing tenancies will become assured periodic tenancies from the outset.

In practical terms, there will no longer be fixed terms as we know them. Tenancies will continue indefinitely unless ended by the tenant, or by the landlord relying on a valid statutory ground for possession.

Purpose-built student accommodation will fall outside the new system. Exemptions for student lettings apply only to landlords renting licensed HMOs to students.

This marks a significant structural shift in how tenancies operate.

Rent increases

Rent may only be increased once per year using a statutory Section 13 notice, giving two months’ notice and reflecting the true market rate.

In-tenancy rent review clauses and informal agreements to increase rent will no longer be permitted. Tenants will have the right to challenge any increase via the First-Tier Tribunal, which will assess the rent against comparable local evidence.

Rent periods must be monthly (or shorter). Landlords will no longer be able to request multiple months’ rent in advance. For the first rental period, only one month’s rent can be taken.

Accurate pricing at the outset will be more important than ever ensuring your property is competitive, compliant and positioned correctly from day one.

Author: Elaine Ford

Rent bidding

Properties must now be advertised at the rent you’re prepared to accept. Prospective tenants can offer up to the advertised figure, but neither landlords nor agents can invite, encourage or accept bids above it.

It’s also important to price correctly from the outset. If a rent is set above true market value, tenants have the right to challenge and request a reduction within the first six months of the tenancy. A well-judged, evidence-based valuation has never been more important and that’s where we come in.

Private Rental Sector Database & Landlord Ombudsman

Before a property can be marketed, landlords must be registered on the new Private Rented Sector Database and a member of the PRS Landlord Ombudsman scheme.

Landlord and property registration numbers will need to appear on adverts, and the portal will hold key compliance documents while setting out your legal responsibilities.

In short: no registration, no marketing.

We will guide our landlords through registration, ensure certificates are in place, and help you stay compliant every step of the way. We are awaiting an update on when the portal will be live.

Pets

While properties can still be advertised as “no pets”, landlords must consider any formal request once a tenancy is underway and cannot unreasonably refuse. A response must be provided within 28 days.

Service animals remain protected under the Equality Act and must always be permitted.

If you agree to a pet, you can require suitable insurance to cover potential damage. Where a superior lease or freeholder prohibits pets, this may be a valid reason for refusal.

As always, the key is balanced, sensible decision-making  protecting your asset while remaining fair and compliant. We have created a separate guide giving landlords and tenants support on when you can accept or refuse a pet in the new world.

Non-discrimination

Blanket bans on tenants receiving benefits or families with children are no longer permitted. Decisions must be based on affordability and suitability not assumptions.

Landlords can refuse an application where the rent is not affordable based on income, or where accepting children would legally result in overcrowding. The focus is on evidence, not labels.