Risk checks · free
Check it before you sign
Interactive checks for the deals and changes that cause expensive mistakes. Each one separates what the law says from what your mortgage, lease and insurance allow — and shows what's confirmed, what's missing and what to ask a professional.
Rent-to-rent & guaranteed rent
In a rent-to-rent or guaranteed-rent deal, a company pays you a fixed rent for your property, then lets it out — often room by room, or as short stays — and keeps the difference. It isn't illegal, and some deals work well. But it can breach your mortgage, your lease or your insurance, and if the operator fails you can be left with occupiers you never chose.
Risk check · 8 questions · England (UK notes)Mortgage, lease & insurance permissions
Something can be perfectly legal and still be forbidden by your mortgage, your lease or your insurance policy. Letting your home out, taking sharers, short lets, a company let, letting to a relative or running a business from the property can all breach a contract even when no law is broken.
Risk check · 7 questions · UK (England law notes)Company lets & corporate tenants
A company let is a tenancy where the tenant is a company — often an employer housing staff, a relocation firm or an operator. Because the tenant isn't an individual, it isn't an assured tenancy, so the Renters' Rights Act tenancy rules (periodic tenancies, section 8 grounds, section 13 rent increases) don't apply to it. The contract does most of the work.
Risk check · 5 questions · EnglandSupported housing & long leases
Providers of supported housing, care or temporary accommodation often offer landlords long leases — 5, 10 or 20 years — at a fixed rent, sometimes promising 'hands-off' income. They can work well with a reputable provider. But the lease is a commercial contract, the residents have their own rights, and the rules on funding and regulation for supported housing are changing.
Risk check · 6 questions · EnglandFICs vs other ownership structures
You can own rental property in your own name, jointly, through a partnership or LLP, in a limited company, in a family investment company or in a trust. Each has different tax, control, inheritance and mortgage consequences — and moving existing property between them usually triggers tax.
Risk check · 5 questions · UKSubletting, HMOs & short lets
Three situations often go wrong: a tenant sublets or puts the property on Airbnb, a landlord starts letting rooms to sharers, or a landlord switches to short stays or serviced accommodation. Each brings its own rules — tenancy law, HMO licensing, planning, fire safety, tax — on top of your mortgage, lease and insurance.
Risk check · 7 questions · England (UK notes)