National Insurance on Rental Income? What Landlords Should Know (and how guaranteed rent can help)

National Insurance on Rental Income? What Landlords Should Know (and how guaranteed rent can help)

With the Autumn Statement just weeks away, talk is already building about what changes might be on the cards for landlords.

The rumour drawing the most attention? That rental income could be pulled into National Insurance contributions - a move that would add another cost to an already squeezed sector.

Here’s a quick look at what’s being discussed.

National Insurance on rental profits

At present, National Insurance only applies to earned income - wages and self-employed earnings. Rental income is treated as investment income and is exempt.

That could change. Some reports suggest the government is considering bringing landlord profits into scope for National Insurance, in a move aimed at widening the tax base without raising existing rates.

If it goes ahead, landlords could see an additional hit to their income. For example, a portfolio generating £15,000 in net profit might face a few hundred pounds more in tax each year. Nothing has been confirmed, but it reflects a trend - the tax landscape for landlords is unlikely to get any easier.

Other property-related Budget rumours

A few other changes being talked about include:

• A “mansion tax” that could apply Capital Gains Tax to the sale of main homes above a certain threshold

• A seller-based property tax, replacing stamp duty with a charge for those selling homes over £500,000

• The possible replacement of council tax with an annual levy based on a home’s current value

• A land value tax, taxing land itself rather than buildings

Again, these are all speculative. But in a market where regulation is increasing and margins are being tested, staying informed and making the right operational decisions is key.

How Apex’s guaranteed rent helps landlords stay protected

At Apex, we don’t just guarantee the rent. We protect the return.

With no void periods, no re-letting fees, and no surprise deductions, landlords working with us have more clarity about what’s coming in and fewer risks eating into their profits.

Here’s how we help:

• Zero void loss, you get paid, even when the property is empty

• No agent fees, nothing to deduct for management, re-letting, renewals, or check-ins

• No admin stress, compliance reminders, inspections, and day-to-day management are handled by us

• Fixed income, long-term agreements give landlords stability, regardless of political headlines

So while the sector waits to see what’s announced, Apex landlords are already operating with less risk and fewer surprises.

Want to talk about securing your income long-term?

📧 Lettings@apexhousingsolutions.co.uk📞 0203 030 4241