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Finance • Protection • Strategy |
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✦ Monthly Briefing — June 2026 ✦ |
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This Month's Edition
Navigating
an
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Market Snapshot
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Base Rate 3.75% Bank of England |
2yr Fixed 5.75% Moneyfacts, May '26 |
5yr Fixed 5.67% Moneyfacts, May '26 |
Avg Price £278k +3.0% YoY · Nationwide |
CPI 3.3% ONS, Apr '26 |
In This Issue
| 01 | A Landlord's Guide to the Upcoming EPC Changes | Landlords |
| 02 | Mortgage Myth Busters: Complex Income Clients | Knowledge |
| 03 | Commercial Bridging: When Speed Decides the Deal | Finance |
| 04 | Founder's Perspective: Where the Market Really Stands | Insight |
| 05 | The Renters' Rights Act Is Now in Force | Industry News |
A Landlord's Guide to the Upcoming EPC Changes
The government has confirmed that all privately rented properties in England and Wales must achieve an EPC rating of C by 1 October 2030. For most landlords, that deadline feels distant. But there is a shift many haven't spotted that makes acting now significantly smarter than waiting.
The current EPC system is being replaced by the Home Energy Model, which weights building fabric, heating performance, smart readiness and energy cost rather than simply rewarding the cheapest fuel source. A property that looks compliant today may score differently under the new methodology.
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"A property that achieves EPC C before 1 October 2029 can continue to be treated as compliant until that certificate expires — up to ten years of breathing room." |
For some, the opportunity is clear: carry out sensible improvements now, secure a compliant rating under the current framework, and lock that certificate in. At London FS, we see EPC compliance as more than a tick-box exercise — it affects remortgage options, improvement budgets and long-term portfolio planning.
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Key Dates & Facts ◆ All private rented homes must reach EPC C by 1 October 2030 (Source: MHCLG, 2025) ◆ Spending cap confirmed at £10,000 per property (reduced from £15,000) (Source: MHCLG, 2025) ◆ New Home Energy Model methodology arriving late 2026 / 2027 (Source: DESNZ, 2025) ◆ EPC C achieved before Oct 2029 remains valid for 10 years ◆ Boiler Upgrade Scheme amended April 2026 — EPC requirement removed (Source: DESNZ, April 2026) |
| Published 25 April 2026 | Read the full guide → |
Mortgage Myth Busters: What Complex Income Clients Get Told That Isn't True
If you are self-employed, a company director, or earn through a mix of salary, dividends and retained profits, the chances are you have been told you cannot borrow what you need. These experiences are common — and frequently wrong.
The 91% of borrowers expected to use brokers in 2026 are doing so precisely because the market has moved beyond what a single lender's criteria can accommodate. (Source: IMLA, June 2025)
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The Myths — & the Reality ◆ Myth: "Your net profit is too low." Reality: Retained earnings can be considered for the right client profile — the key is matching your situation to a lender whose criteria fits. ◆ Myth: "You need two years of accounts." Reality: Some lenders work from one year, or a strong projection. ◆ Myth: "You can't borrow over 4.5x income." Reality: Income is assessed on affordability rather than rigid multiples, with lenders offering higher loans to qualifying borrowers. ◆ Myth: "Dividends don't count." Reality: Many lenders take dividends alongside salary — it's how the case is packaged. |
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"The borrowers who've struggled with standard lenders are still fundable. It just takes more care, more structuring, and the right lender relationships." |
| Published 12 March 2026 | Read the full guide → |
Commercial Bridging in London: When Speed Decides the Deal
In London's commercial property market, opportunities rarely wait. Commercial bridging finance has become the tool of choice for investors who cannot afford to lose a deal to a slow underwriting queue.
Traditional commercial mortgages can take months. Bridging lenders move in weeks — sometimes days — because they assess the asset and the exit, not just the income.
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When Commercial Bridging Makes Sense ◆ Auction purchases requiring completion within 28 days ◆ Chain breaks — buying before an existing property has sold ◆ Refurbishment projects where the property is currently unmortgageable ◆ Releasing capital quickly to fund a new opportunity ◆ Mixed-use or non-standard assets outside conventional lender criteria |
Every bridging loan needs a credible exit. We arrange commercial bridging from £100,000 with no upper limit, up to 75% LTV — and higher with additional security. If a deal needs fast, structured finance, speak to us before you act.
| Published April 2026 | Read the full guide → |
Where the Market Really Stands Right Now
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Amar Vig · Co-Founder, London FS "The market coming into 2026 felt like it had found its footing. Then geopolitical events changed the direction of travel — swap rates moved sharply and lenders repriced almost overnight. But the fundamentals for our clients haven't changed. The directors, contractors and portfolio landlords who need more than a high street lender — they are still fundable. Complexity is still solvable." Amar Vig — Co-Founder, London FS |
The 2026 market opened with optimism — base rate cuts through late 2025, active lender competition, and relaxed FCA affordability criteria. Global events in early 2026 disrupted that: crude oil prices rose, inflation climbed, and swap rates pushed fixed pricing upward.
For the 1.8 million borrowers coming off fixed deals in 2026 (Source: UK Finance, December 2025), the advice is consistent: if you are within six months of your deal end, consider locking in a new rate now — you retain the option to revisit if conditions improve before it commences.
| Founder's Perspective · June 2026 | Read more → |
The Renters' Rights Act Is Now in Force — What It Means for You
Since 1 May 2026, the private rented sector in England has changed fundamentally. Section 21 no-fault evictions have been abolished. Every assured shorthold tenancy has automatically converted to a periodic tenancy. Rent increases are now limited to once per year, challengeable at tribunal.
Landlords must join the new mandatory Private Rented Sector Ombudsman and register on the new PRS Database. The Decent Homes Standard now applies to the private sector for the first time, and blanket bans on benefit recipients or families with children are prohibited.
Whether you are a landlord navigating the new framework or a renter considering the ownership ladder — the landscape has shifted. We are helping both sides of that equation.
| In force from 1 May 2026 | More industry news → |
Talk to us about your next move
Remortgaging, building a portfolio, buying your first home, or navigating a complex income structure — no obligation, just an honest conversation about your options.
| Visit Our Website | Schedule A Callback |
Thank you, as always, for your continued trust and support.
Kind regards,
Team London FS
Amar Dhanota & Amar Vig
Directors, London FS
| ☎ +44 (0)208 427 5057 |
| ✉ enquiries@london-fs.com |
| ⌖ 7 Bell Yard, London, WC2A 2JR |
| • | • | • | X / Twitter |
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — Firm No. 628993. Registered in England, Company No. 07301914. Registered Office: 7 Bell Yard, London, WC2A 2JR. We are a credit broker, not a lender. The FCA does not regulate some forms of buy-to-let, commercial finance and bridging finance. Fees are charged on completion; typical fees range from £500 up to 1% of the loan depending on product type. Your initial consultation is obligation-free. Information is of a general nature, correct at date of publication (June 2026), and restricted to consumers based in the UK.