Accidental landlords: a plain-English guide
Maybe you inherited a house, moved in with a partner, or couldn't sell. However it happened, if you let a property, you're a landlord, with the same legal duties as everyone else.
The first five things to do
- Tell your mortgage lender and get consent to let, or switch to a buy-to-let mortgage.
- Switch your insurance to landlord cover.
- Get the safety certificates: gas safety, EICR and an EPC rated E or above.
- Check licensing with your council.
- Talk to an accountant about income tax and any future Capital Gains Tax.
The rules have changed recently
If you last looked at renting a few years ago, a lot is different now:
- Section 21 "no-fault" evictions ended on 1 May 2026. What that means
- Tenancies are rolling, with no fixed terms.
- Rent can rise only once a year, with two months' notice.
- You must register on the landlord database from December 2026. Registration guide
That matters if you think you might want the property back. You'll need a valid legal ground, such as selling or moving in, and must follow the correct process.
Should you self-manage or use an agent?
Letting agents typically charge around 8% to 15% of the rent for full management. Self-managing saves that money, but you take on the paperwork and deadlines. Good software makes self-managing much easier.
Common accidental landlord mistakes
- Letting without telling the mortgage lender or insurer
- Taking a deposit and not protecting it
- Letting a friend or relative move in without proper paperwork
- Forgetting the annual gas safety check
- Not keeping records for tax
How Landlord Friendly will help
- A simple setup for your first property, step by step
- Reminders for every certificate, so nothing lapses
- Rent and expense records ready for your tax return
Frequently asked questions
What is an accidental landlord?
Someone who becomes a landlord without planning to, for example by inheriting a property, moving in with a partner, or letting a home they could not sell.
Do accidental landlords have the same legal duties?
Yes. The same safety, deposit, tenancy, registration and tax rules apply, however you became a landlord.
Do I need to tell my mortgage lender?
Yes. Letting without your lender's consent can breach your mortgage terms. Ask for consent to let, or switch to a buy-to-let mortgage.
Will I pay tax when I sell?
Possibly. Capital Gains Tax can apply when you sell a property that is not your main home. Speak to an accountant before letting or selling.
Related: First-time landlord checklist ยท Renters' Rights Act guide
Official sources
Last reviewed 25 October 2026. This guide is general information for landlords in England, not legal, tax or insurance advice. Rules change, so check the official sources before acting.