Blog

Short answer: yes, Houses in Multiple Occupation can still outperform standard buy‑to‑lets in 2025, but only for investors who price compliance, management and running costs accurately. Average HMO yields continue to sit towards the top of the table in many locations, while demand for affordable rooms remains resilient. The trade‑off is tighter regulation, higher operating costs for “bills‑included” models and planning constraints in many towns and cities.

This guide sets out what has changed, what to check before you buy or convert, and how insurers view HMOs in 2025. Read More

National Insurance is moving up the agenda again in 2025. Some changes have already taken effect, and others are being talked about for the November Budget. For property developers, these shifts matter because they feed straight into project viability, tender pricing, labour strategy and, in some cases, how group structures are set up.

This article explains the confirmed changes in 2025, what is being proposed next, and how both could affect UK property developers. Where relevant, we will link to authoritative UK sources. Read More

When you own a luxury property, a standard home insurance policy just doesn’t go far enough. If you live in the high end parts of North London, Barnet, Hadley Wood, Hampstead or Totteridge, there’s a strong chance your home, its contents, and your lifestyle exceed the limits of traditional cover.

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Pubs and wine bars hold a special place in British culture, serving as more than just places to enjoy a drink—they are community hubs and social gathering points. Their popularity is evident in both urban and rural settings, where they contribute significantly to local economies. However, running such establishments involves navigating a complex landscape of business risks unique to the hospitality industry. From regulatory compliance to property damage and liability issues, the challenges are numerous. This article aims to explore these risks in detail and discuss how the right insurance policies can provide essential protection, ensuring the long-term success of these businesses. Read More

Care homes play a vital role in society, providing essential care and support to the elderly, disabled, and other vulnerable individuals who require assistance with daily living. These facilities ensure that residents receive the necessary medical attention, companionship, and comfort, often becoming a second home for those they serve. However, the responsibility of managing a care home comes with significant risks. Comprehensive care home insurance is crucial for safeguarding not only the residents but also the staff who care for them and the business itself. Proper insurance coverage helps mitigate risks, ensuring safety, legal compliance, and financial protection. Read More