Your BTL margin is being squeezed. See the figure.

From 1 May 2026 every existing assured shorthold auto-converts to an assured periodic tenancy. Section 21 ends, rent increases run through Form 4A (once per year, 2 months' notice), and a civil penalty ladder up to £7,000 for a first breach and £40,000 for continuing offences applies. This does not mean you are exempt from RRA under a Hybrid-Let structure — it means the compliance workload either sits with you or with your manager, and our fee model absorbs that work rather than invoicing for it. Sources in the footnote block below.

Guaranteed rent is a separate product under which we contract to pay a fixed monthly sum for a 2–3 year term, regardless of occupancy, after a survey and asset review. It is not the same as our standard management service. Subject to survey, credit and asset checks. Rent only guaranteed under our guaranteed-rent product (full terms on request).

The calculator assumes a modest +25% uplift on your effective gross (after voids) versus the long-let baseline, then deducts our 20% flat management fee, your mortgage interest, and your maintenance/insurance/agency costs. This is a conservative indicative figure only — actual uplift depends on the specific asset, location, layout, and the mid-term / medical-stay demand pattern for your postcode. We will not quote a specific uplift for your property without a survey.

Two reasons. First, the two-year fixed BTL spread has repriced upward in recent weeks while Rightmove is forecasting just ~2% London rent growth for 2026 — the gap between financing cost and rent growth is the margin you are trying to protect. Second, RRA Phase 1 lands in under two weeks; landlords who are going to change operating model typically do it either side of a mortgage refix or a compliance milestone, and both are converging now.