Landlord database: How controversial scheme will work – and what buy-to-let owners and tenants need to know

Landlords may soon need to sign up to a national database that will be visible to councils and tenants, if a controversial piece of legislation goes through. 

The rental sector is on the cusp of the biggest shake-up to date when the Renters Rights Bill becomes law either later this year or early in 2026.

One of its key reforms is a national private rented sector database that will require every landlord in England to register and list details of every property they let.

The aim is to give local authorities and tenants a single source of information about who owns and manages each rental property. 

Landlords who fail to register will be unable to legally let their properties and face fines for not doing so.

And they could even be subject to a landlord ombudsman, which will handle complaints from tenants and could force them to pay compensation.  

While it is possible this element of the bill could be removed or watered down before it passes into law, some landlords are concerned about the change – with some worried it will become a ‘Trustpilot-style’ review website. 

Landlords who fail to register on the database will be unable to legally let their properties

‘Once the PRS database goes live, enforcement will be swift and visible,’ says Allison Thompson, national lettings managing director at Leaders.

‘Tenants will be able to search the database to check whether a landlord is properly registered and whether they have received any fines or penalties.

‘Being proactive now will reduce the risk of fines and help landlords maintain a positive reputation in the market.’

The bill will also create a single landlord ombudsman that all private landlords will also need to join.

‘The ombudsman will provide an independent route to resolve complaints about landlord service and property standards,’ adds Thompson.

‘All landlords, even those managing properties themselves, must join the ombudsman, which will have the power to order landlords to apologise, provide information, take remedial action, or pay compensation.

‘Landlords who fail to comply with the ombudsman’s decisions could face enforcement action, including fines and potential removal from the database.’

How will the landlord database work?

Landlords will be required to provide their name, contact details and the address of every property they let.

Registration is expected to be renewed periodically, with fees applying each time.

Local authorities will be able to issue civil penalties for failure to register while renters will be able to check if their landlord is legally registered.

‘Designed properly, the database should make it easy for the vast majority of compliant landlords to demonstrate to tenants and prospective tenants that their properties meet all required standards,’ says Chris Norris, chief policy officer at the National Residential Landlords Association.

‘As a minimum, gas and electricity safety certificates should be fully digitised so they can be easily uploaded onto the database, alongside existing Energy Performance Certificates. 

‘The database should also include a signed declaration by a landlord which confirms that a property meets the requirements of the planned decent homes standard for the sector.’

Prepare: Allison Thompson, national lettings managing director at Leaders, says landlords should be proactive about the upcoming changes

What will happen to landlords who don’t comply? 

For those who fail to register, local authorities will have the power to issue civil penalties of up to £7,000 for a first offence and up to £40,000 for the most serious or repeated breaches.

They will also be able to prevent unregistered landlords from legally letting their properties. 

Will it really be like Trustpilot?  

A database will raise some fears among landlords that they could find their reputations and properties made public, with tenants able to rank them in a similar way to Trustpilot where customers rate companies using a star system.

‘It won’t be a review site in the traditional sense and tenants won’t be posting ratings – but in many ways, the database will likely have similar consequences,’ says Sián Hemming-Metcalfe, operations director at property management software company Inventory Base.

‘If you’re fined or found to have breached legislation or are non-compliant, that information could be made searchable and then visible to prospective tenants. 

‘It becomes a public trust marker. Reputation will increasingly rest on a landlord’s ability to stay compliant and proactive.’

Chris Norris, chief policy officer at the National Residential Landlords Association also does not envisage the database allowing for ratings or reviews, though. 

He says: ‘Whilst the Government has not yet outlined what it believes should be on the database, or the timeframes for its implementation, we do not anticipate it becoming a Trustpilot-style review site.’

Will there also be a database for renters?

The introduction of a landlord database may lead some landlords to ask why tenants won’t be subject to the same type of scrutiny. 

After all, for every bad landlord, there are also reports of bad tenants who fail to look after properties or pay the rent.  

Hemming-Metcalfe says: ‘It’s understandable that landlords may feel the system is one-sided, especially when there’s no formal database for tenants – who can be equally rogue when it comes to their conduct in rental properties. 

‘But in reality, landlords already have access to credit checks, references, and legal recourse. 

‘What we’re seeing here is a rebalancing of the sector – one that gives tenants more visibility and landlords more responsibility. 

‘Fairness comes through transparency on both sides, so it could be seen as an opportunity to show you are not only a good landlord, but a fair and compliant one.’

Landlord reviews? Some worry that the database will become a 'Trustpilot' style review site

When will it come into force?

The Renters Rights Bill is likely to come into force later this year or in early 2026.

The advice, however, is to get prepared for the new rules now. 

‘While a definitive start date is still to be confirmed, the imminent introduction of the Renter’s Rights Bill means landlords shouldn’t wait for the legislation to come into force,’ adds Hemming-Metcalfe.

‘The database will likely be rolled out soon after, and enforcement is expected to be swift. 

‘As a landlord, now is the time to get your property records in order and ensure your processes are watertight.’

How to find a new mortgage

Borrowers who need a mortgage because their current fixed rate deal is ending, or they are buying a home, should explore their options as soon as possible. 

Buy-to-let landlords should also act as soon as they can. 

Quick mortgage finder links with This is Money’s partner L&C

> Mortgage rates calculator

> Find the right mortgage for you 

What if I need to remortgage? 

Borrowers should compare rates, speak to a mortgage broker and be prepared to act.

Homeowners can lock in to a new deal six to nine months in advance, often with no obligation to take it.

Most mortgage deals allow fees to be added to the loan and only be charged when it is taken out. This means borrowers can secure a rate without paying expensive arrangement fees.

Keep in mind that by doing this and not clearing the fee on completion, interest will be paid on the fee amount over the entire term of the loan, so this may not be the best option for everyone. 

What if I am buying a home? 

Those with home purchases agreed should also aim to secure rates as soon as possible, so they know exactly what their monthly payments will be. 

Buyers should avoid overstretching and be aware that house prices may fall, as higher mortgage rates limit people’s borrowing ability and buying power.

What about buy-to-let landlords

Buy-to-let landlords with interest-only mortgages will see a greater jump in monthly costs than homeowners on residential mortgages.

This makes remortgaging in plenty of time essential and our partner L&C can help with buy-to-let mortgages too. 

How to compare mortgage costs 

The best way to compare mortgage costs and find the right deal for you is to speak to a broker.

This is Money has a long-standing partnership with fee-free broker L&C, to provide you with fee-free expert mortgage advice.

Interested in seeing today’s best mortgage rates? Use This is Money and L&Cs best mortgage rates calculator to show deals matching your home value, mortgage size, term and fixed rate needs.

If you’re ready to find your next mortgage, why not use L&C’s online Mortgage Finder. It will search 1,000’s of deals from more than 90 different lenders to discover the best deal for you.

> Find your best mortgage deal with This is Money and L&C

Be aware that rates can change quickly, however, and so if you need a mortgage or want to compare rates, speak to L&C as soon as possible, so they can help you find the right mortgage for you. 

Mortgage service provided by London & Country Mortgages (L&C), which is authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage 

This post was originally published on this site

Share it :