Two people discussing rent-to-rent options. Uncategorised

5 Ways Rent-to-Rent Can Increase Income and Reduce Stress for Property Owners

Rent-to-rent is also known as guaranteed rent.

Do you own a property that you’ve tried to rent out? If so, you’ll likely understand just how much goes into a successful tenancy. 

From marketing to viewings, vetting prospective tenants, then managing them once they’re in to ensure you’re paid. This is the process when everything goes to plan! Unfortunately, issues can arise at any stage before or during a tenancy, potentially costing you. 

Being a responsible landlord takes investment, whether it’s time, money or energy. If you are not a full-time landlord, it’s likely your surplus time and energy are limited, which can stop you from maximising your rental property’s potential. 

Here, at Adjoin Homes we are always looking for new ways to support our landlords. We are excited to tell you that we have launched several guaranteed rent products, with our most popular involving rent-to-rent, which we discuss in more detail below. 

What is rent-to-rent?

In essence, you rent your property to a company or individual who takes on the key responsibilities for the property. These will include paying rent, paying bills and utilities, and in some cases, a provision for day-to-day maintenance. As part of the agreement, they are granted permission to rent this property to another party.

Typically, the ultimate occupants of the rental property have needs that are not in line with the length of a standard tenancy agreement. Examples include academics doing a research project over a few months, someone temporarily relocating for work, or visitors to the area. 

The key benefit to the owner is that they have one point of contact, who is responsible for paying the rent. In some cases, such as ours, the rent is guaranteed and we may undertake compliance certification at our cost. As the property owner, you can rest assured, knowing the rent will be paid in full on the same day every month.

How does rent-to-rent work?

  • You have a property you’d like to rent out, with a rental price in mind.
  • You rent the property to Luna Ltd, who become your tenant.
  • Luna Ltd pays the rent every month, eliminating void periods.
  • Luna Ltd places occupiers in the property for varying lengths of time
  • Luna Ltd makes its money by taking on the risk of generating more income than it pays in rent.

How does rent-to-rent benefit the property owner?

  1. Guaranteed Income: Luna will pay the rent in full every month, regardless of whether the property has any voids.
  1. Hands-Off Management: You delegate the day-to-day hassles of property management to Luna, allowing you to focus on other aspects of your life or business.
  2. Remove Vacancy Risk: Luna commits to paying the rent in full throughout the tenancy. Even if the property is void, Luna still pays.
  3. Reduced Maintenance Costs: Luna can take on the responsibility for day-to-day maintenance and repair expenses, saving you money.
  4. Reduced Legal and Compliance Burden: For the most part, Luna handles the legal and compliance aspects of the property, reducing your administrative burden and ensuring adherence to relevant laws.

Sounds great! What are the risks?

You have to do your due diligence on Luna. Unfortunately, there are some Rent-to-Rent providers that do not do things properly.

For example, in London, there is an annual limit on how many days a property can be let on a short-term basis. Most providers adhere to the rules, but some don’t as they chase more profits. 

Some providers may not stick to the rental due date as they wait for funds to come in from occupiers, which can cause issues with your cash flow. 

Other providers may not take adequate care of the property. They may not have the expertise, or may not regularly visit the property, meaning it could fall into a state of disrepair. 

Their plan could be to do just enough to get an occupier, rather than aiming to maintain it to the standard they received it. 

The key thing is effective communication. Ultimately, it’s likely something you have never done before. Ask as many questions as necessary to feel comfortable. Any good provider will be happy to guide you through the process, understanding your needs and concerns and working through them with you. If they become flippant or annoyed when you query something, it’s likely their behaviour will become more erratic with time. 

You want to find someone who will take care of your property like it’s their own, balancing their objectives with yours, ensuring both parties are satisfied. 

The aim is to create a win-win scenario, reducing your stress and cost while providing good quality accommodation to those who need it. 

Adjoin Homes can be your ideal Luna. Here’s why.

Adjoin Homes: Your Rent-to-Rent Provider

We are a fully-fledged estate agent and a member of the Property Redress Scheme. We adhere to all legislation so you can be confident that your property is being looked after properly. 

Our team has decades of experience working with residential property, is ARLA qualified, has managed large property portfolios, and has access to high-quality occupiers. 

As an agent, we aim to improve the experience of Property Owners. Being a landlord is becoming ever more complex, so our services make it easier to manage your property, with the aim of increasing your returns.

The Key Features of Adjoin’s Rent-to-Rent Scheme Scheme

  • Guaranteed Rent – Rent is paid on time, in full, every month, regardless of occupancy.
  • Reduced Costs – We eliminate void periods and can take over responsibility for day-to-day maintenance.
  • Speed of Tenancy – We can become your tenant in as little as 3 days.
  • Flexible Leases – Agreements can run from 6 months up to 10 years, with break clauses customised for every situation.
  • No Hidden Fees – You will receive the rental price quoted on our offer in full. Management is included in all Rent-to-Rent schemes.
  • Contribution to Refurbishment – On longer leases, we can discuss taking on redecoration and refurbishment works at our cost. 

We are currently taking on Studio, One and Two-bedroom properties in Zones 1 and 2 in London. If you have one or more or know someone who might be interested, get in touch! 

We are also able to take on multiple units or whole blocks at once. 

Get in touch with us now.

Frequently Asked Questions

Energy Efficient Rental Properties: This image depicts a couple warming themselves up in front of a fire pit inside their home. Uncategorised

Energy Efficient Rental Properties: 6 Benefits for Landlords

Energy Efficient Rental Properties: In an ambitious attempt to reach net zero emissions by 2050, the UK government tightened the Minimum Energy Efficiency Standards (MEES) in 2020. 

The minimum Energy Performance Certificate (EPC) rating was increased from E to C. As such, starting in 2025, landlords were no longer allowed to rent out properties with an EPC rating below C to new tenants. This prohibition was also scheduled to apply to existing tenancies by 2028.

However, on September 20, 2023, the UK government made a significant announcement, revealing their decision to abandon the proposed energy efficiency targets for households, including rental properties. This move has generated criticism, as some argue that while it relieves landlords from the financial burden of meeting these targets, it could potentially result in renters having to bear the cost of heating poorly insulated properties.

Regardless of the government’s policies, there are many benefits to making your rental home more energy efficient. This blog aims to explore these benefits in more detail.

6 benefits of energy efficient rental properties to a landlord

Even if most of us will agree that an energy-efficient property is more attractive than a non-efficient one, fewer of us will take action towards upgrading a property. Sure, energy spent matters. However, will the investment pay for itself? 

The answer is emphatically yes. We don’t refer to decreased bills only, but rather a list of perhaps non-obvious benefits that every landlord will enjoy.

  1. Attracting and Retaining Tenants

Energy-efficient properties are often more appealing to tenants, offering lower utility bills and increased comfort. This can help you attract and retain tenants more easily, reducing vacancy periods and turnover. 

  1. Higher Rental Income

The potential for higher rental income from energy-efficient properties is rooted in the value proposition they offer to tenants: lower utility costs, improved comfort, sustainability, long-term savings, and a competitive edge in the rental market. 

These benefits collectively make energy-efficient rentals an appealing option, allowing landlords to justify charging higher rents while providing a superior living experience for tenants.

  1. Reduced Maintenance Costs

Energy-efficient upgrades often include modernising heating, cooling, and insulation systems. These improvements can lead to reduced maintenance and repair costs over time, as newer equipment tends to be more reliable.

  1. Positive Environmental Impact

Energy-efficient properties consume less energy and reduce greenhouse gas emissions, contributing to a more sustainable environment. This can be a point of pride for environmentally conscious landlords.

  1. Longer-Term Investment

Landlords can reduce wear and tear on the property’s essential components by enhancing insulation, upgrading heating and cooling systems, and incorporating energy-saving technologies. 

This, in turn, can extend the lifespan of the property and lower the frequency of major renovations or costly repairs, ultimately saving landlords money in the long run while providing tenants with a more reliable and well-maintained living space.

  1. Increased Property Value

An energy-efficient rental property can have a higher resale value, should you decide to sell in the future. Potential buyers are increasingly interested in properties that come with lower operating costs.

Sell your property with Adjoin

If you’ve been intrigued by the idea of making your home more energy-efficient, then you might be interested in our unique rent-to-own scheme, regardless of whether you plan to sell now, or might do so in the future.

One of the standout advantages of our program is that it allows prospective buyers to experience the energy standards and comfort of your property firsthand. When tenants have the opportunity to live in an energy-efficient home, they can appreciate the cost savings, improved comfort, and sustainability benefits that come with it. 

This firsthand experience often makes them more inclined to consider purchasing the property when the time is right.

By offering your home through our rent-to-own scheme, you not only open the door to potential buyers who are passionate about energy efficiency but also create an opportunity for a smoother transition from tenant to homeowner. 

Plus, with the demand for energy-efficient homes on the rise, your property is positioned to stand out in the market. 

In fact, according to a study by Legal & General Capital in December 2020, the demand for energy-efficient homes went up by 21%. The research also found that homebuyers, dealing with rising living costs and higher energy bills, are willing to pay up to 20% more for homes with low-carbon features. 

Interestingly, the survey showed that people now prioritise sustainability over property size when making their housing decisions.

So, if you’re looking to sell your home and want to highlight its energy-efficient features, our rent-to-own p could be the ideal solution. 

Contact us today to learn more about how our program can work for you now, or in the future.

This image reads scam alert as a warning to landlords about possible rental scams in the UK. Uncategorised

Rental Scams UK: 4 Tips To Avoid One As A Landlord

Scam-proof your rentals: Tips for UK landlords to avoid falling victim to rental scams

Rental scams have become more common in recent years in the UK. These scams can make your life hard both emotionally and financially.

Moreover, with all the different types of rental fraud and elaborate schemes, you run the risk of falling victim to a rental scam involving a great property.

So, question: As a landlord, are you equipped to handle a rental scam involving your rental property?

Pat yourself on the back if the answer is yes.

The rest of you please keep on reading. We will discuss the different types of rental fraud and schemes, guide you on how to recognise them and offer advice on how to avoid them in the first place.

Types of rental scams and how to spot them

  1. Non-payment of rent 

One of the most common rental frauds landlords may encounter is non-payment of rent, where a tenant fails to fulfil their promise to pay. 

To trick the landlord, some tenants may present fake bank statements or proof of income. Some would stop paying rent and provide excuses for doing so, in order to buy time

To prevent rental fraud, landlords should conduct a thorough screening of potential tenants. This process should involve checking references from previous landlords, verifying income and employment, and reviewing credit records.

In addition, having a legally binding lease agreement is crucial. This agreement should outline the consequences of non-payment, including late fees and eviction.

If a tenant fails to pay rent, it’s important to take swift action. This can include issuing a notice to pay rent or vacate, filing for eviction, or seeking legal advice from a lawyer.

  1. Fake identity scams

Identity theft fraud occurs when a tenant rents a property by providing a fake identity. They may give fake personal information, such as their name, address, or place of employment, and use stolen or fabricated documents to support their false identity.

As a landlord, it’s crucial to be vigilant and verify a tenant’s identity. You can ask them for government-issued documents like a driver’s licence or passport to confirm their identity, which you have to do in any case to verify their Right to Rent.

If you suspect that you’ve been a victim of identity theft fraud, seek legal advice immediately. Terminating the lease agreement may also be necessary, but it’s best to consult with a lawyer to understand your options.

  1. Subletting fraud

It’s when a renter sublets their rental property without the landlord’s permission, sometimes charging the subtenant more than they’re paying. This can negatively impact your property investment, as someone else will be profiting from your asset.

To avoid subletting fraud, you need to include a clause in the lease agreement that says subletting is not allowed without written permission. Additionally, you should inspect the property regularly to make sure there are no unauthorised occupants. You may also need to inspect commonly used websites (Airbnb, Gumtree, SpareRoom and others such as and Expedia that recently entered this business too) to see if your property is listed there without your consent.

If you discover that your tenant has sublet your rental property without your permission, the first step should be to have a conversation with the tenant. It’s important to explain to them that subletting is not permitted without your explicit consent and to remind them of the rules outlined in the lease agreement.

If, after this conversation, the tenant continues to sublet the property without your permission or violates any other terms of the lease, then it may be necessary to take legal action. 

However, it’s essential to keep in mind that subletting can be a beneficial arrangement, and you may choose to allow it with additional rules and regulations outlined in the lease agreement.

To avoid any confusion or misunderstandings, it’s best to make your stance on subletting clear upfront. You can include specific terms regarding subletting in the lease agreement to ensure that your tenants understand your policies and comply with them.

  1. Security deposit fraud

Tenants may try to avoid paying the security deposit or parts of it by providing false information. 

To prevent this kind of fraud, you should include the amount of the security deposit in the lease agreement and state that it should be paid before moving in. Make it clear that the security deposit might be used or withheld if the tenant damages the property or removes any object belonging to the property owner.

Keep a list of any security deposit deductions and provide invoices or receipts of repairs for damages they cause. If a tenant refuses to pay the security deposit or disputes any deductions, you’ll need to show them the documentation of necessary repairs or cleaning.

To be better prepared, keep a record of the rental property’s condition. A professionally done inventory, when the tenant moves in, can save you a lot of money and hustle if any disputes arise. 

4 Tips to Avoid Rental Scams as a Landlord

This is an image of a female with an X sign on her palms, depicting things they should not do to save landlords from being a victim of rental fraud.
Photo by Anete Lusina from Pexels
  1. Conduct thorough background checks 

Before renting out your property, it’s essential to take the time to thoroughly screen potential tenants. This includes checking their ID, job situation, rental history, and credit rating.

You can either hire a tenant screening company or ask for references from previous landlords or employers.

If tenants refuse to provide personal information, it may be a sign of a possible rental scam. In such cases, it’s important to be careful and not proceed with the rental process.

It’s also crucial to comply with all privacy regulations when conducting a background check. Handling sensitive and personal data must always be carried out responsibly. For instance, in the UK, landlords must get the tenant’s approval before carrying out a credit check.

Furthermore, you can use RentProfile, which is backed by the UK government, to help you detect rental scams and vet your tenants.

Remember to treat all potential tenants equally and avoid discrimination based on factors such as race, gender or religion. This is not only the right thing to do, but it also safeguards you against legal or reputational consequences.

  1. Insist on written agreements 

Landlords should always ask for written agreements before accepting any payments.

These agreements must include payment terms and the security deposit payment. A security deposit is usually required in addition to the lease agreement, and it can be used to cover damages or overdue rent at the end of the tenancy.

For the agreement to be legally binding, both parties must sign it. This agreement protects both the landlord and the tenant in the event of any disputes.

Landlords should also provide the “How to rent booklet” to their tenants, which outlines their rights and obligations according to UK law.

  1. Nothing more, nothing less.

If a potential tenant offers to pay more than the requested rent amount or asks for a discount in exchange for paying in cash, it should raise a red flag. These could be signs of a scammer. Or just a bad tenant in the making.

In general, it’s best to stick to the agreed-upon rent amount and only accept payments through secure channels.

  1. Search for your property online 

Take a quick look at social media, ad websites, and property listings in your area to ensure your home isn’t being used for rental scams.

Scammers can create fake listings and solicit deposits from unsuspecting tenants by using images and details from real ones. This is also called a phantom rental scam.

Regularly checking your property online and reporting any fake listings can help you stay alert and avoid such incidents.

How to find a good tenant with a rent-to-buy scheme

If you’re a landlord looking to maximise your property’s potential and find a good tenant, consider offering a rent-to-buy scheme. 

By offering your property through a rent-to-buy agreement, you can attract professional tenants who would like to rent now a property but have a vested interest to buy it in the future. It has been found that rent-to-buy tenants take such good care of the property that maintenance costs are driven down by as much as 50%.

Plus, by allowing them to rent with the option to buy, you’ll have a steady and good stream of income right away.

Adjoin Homes vets tenants to assure that: 

  1. They are who they say they are.
  2. They have the right to rent. 
  3. They can afford to pay the rent.
  4. They are on the path to being able to buy your property.

Want to learn more about how rent-to-buy agreements can benefit you as a landlord? Contact us today via email or register with us to discuss your options.

How to choose a rental property that you will love. How to

How to choose a rental property you will love: 5 Key Advice for renters

A rental home may not belong to you. But it is where you will wine and dine for as long as you will need it. So, knowing how to choose a rental property that’s appropriate for you, whether you’re a first-time renter or an experienced tenant is paramount. 

However, finding the ideal rental house is not an easy task. It requires balancing several aspects such as location, facilities, and personal preferences. Nevertheless, by adopting a methodical approach and evaluating all of your demands, you might locate a property that matches your expectations.

Here’s a comprehensive list of things renters should look for in a rental property. In this guide, you will also find tips and considerations that will help you make an inspired choice for your temporary fort.

Basic things to look for in a rental property 

1. Location and neighbourhood:

  •  “Is the rental property at a convenient location?”

Think about how close the rental property is to your place of employment, school or college, grocery stores, public transit, and other places you frequent. This can have a significant influence on your daily commute, time and overall quality of life.

  • “Is it secure and welcoming?”

Investigate the crime rate in the neighbourhood and gain an understanding of what it’s like. Talking to existing residents, visiting at different times of day, and checking internet reviews about the location you are picking are all effective ways to accomplish this. 

  •  “Are there any nearby facilities?” 

To ensure that the neighbourhood matches your lifestyle, consider the availability of neighbouring facilities such as parks, restaurants, shopping centres, and various options for entertainment. 

2. Property condition 

  •  “Is the rental property well-kept?”

Look for indicators of wear and tear and inquire about the landlord’s maintenance policies. It is best to look for any well-being or safety issues, such as moulds or insufficient lighting.

  • “Have any recent renovations or upgrades transpired?”

Feel free to inquire about any recent property improvements or enhancements to obtain a sense of the landlord’s dedication to maintaining the property in good condition. Also, this will give you whether the rental home will be welcome and be trouble-free for the foreseeable future.

  •  “Is there sufficient storage capacity?” 

Make sure the home has enough space for your possessions and always take your storage needs into account. It’s also worth noting that having too much storage space might be a waste of precious square footage. So have a rough forecast of your future plans, and choose a rental that would accommodate any changes.

3. Amenities 

  •  “Does the property provide enough amenities?”

 It can be a hassle when you can’t find all your needs under one roof. So, check to see if the house includes key utilities like a refrigerator, stove, and oven to ensure you have all you need for everyday living.

  •  “Do you have on-site parking?” 

When considering a rental property, it’s important to ensure that you have a safe and secure place to park your car. On-site parking and associated costs should be part of your inquiry. If a garage is available, it provides an added level of protection for your vehicle.

  • “Is there an outdoor area available?” 

If you prefer to spend your time outside, a home without an outside space may not be for you. Consider if you require access to an outside area, such as a balcony or patio, and whether the rental property has this sort of space.

While these are some of the basic things you may look for in a rental property, there are a few other things that are a ‘must-check’. Here’s the list.

4. Lease terms 

  •  “Can the lease term be extended?”

 It’s always best to read those papers before you sign them. It’s not like the Terms & Conditions you close your eyes and tick off online to skip the process. You should consider the duration of the lease and if it meets your demands. Some rentals have month-to-month lease periods, whilst others need a longer commitment.

  •  “Are there any sub-leasing restrictions?” 

What the landlords may not always tell you about are the hidden restrictions. It varies from landlord to landlord. Some may have the restrictions clearly written or verbally explained. Some may not. Hence it is best to inquire about any limitations on subleasing the property. 

Wondering why you must consider sub-leasing as a benefit in your lease terms? Here are some key points to keep in mind about sub-leasing. 

  1. Flexibility 

If you’ll be away from your rental home for an extended amount of time, subleasing allows you to maintain your place and return to it when you’re ready, rather than having to entirely move out and find a new place.

  1. Cost-saving 

It’s a terrific strategy to cut costs to sublet your rental property to someone else while you’re gone to assist with the rental payments.

  1. Two-way benefits 

Subleasing can be advantageous to both the tenant and the subtenant since it enables the tenant to maintain their rental property while earning revenue and provides the subtenant with housing without requiring them to sign a long-term lease.

  • “Are there any limitations in the pet policy?”

Not all landlords can be pet friendly. If you have a pet and you want to share your home with them, then this is a crucial thing to look for in a rental property. Ensure you inquire whether the property has a pet policy and whether it meets your needs. 

5. Bills, rent and utilities 

  • “How much does it cost each month?” 

To have a clear picture of your monthly expenditures, you should examine not only the monthly rent paid for the property but also the cost of any supplementary utilities such as electricity, gas, and water. 

 Find out whether utilities are included in the monthly rent or whether they must be paid separately. Although it may sound like minor information, it adds weight to your overall bill. 

  • “Does the rent fit into my budget?” 

As luxurious as it may seem when you are about to choose your rental property, being wise is never a choice. Before you pick a rental property for any other reasons, ensure that the monthly rent is within your budget. Calculate your allowances for other living expenditures such as food, transportation, and entertainment. 

What to do if you want to own the house you are renting?

This is a person sad about not being able to buy the rental property he wants to own.

Sometimes it just happens, we can all fall in love. Even with our rental property too. But what happens then? Should you be sad that you can’t have it for yourself? Are there other options?

Adjoin allows you to buy the property you are renting (learn more about rent-to-own here). And it is totally up to you whether you want to do so or not. 

If you choose not to buy the property, then renting with Adjoin is just like any other normal tenancy. But if you choose to buy the property instead, then it’s yours and no one else can jump the queue, you are the first and only one in line! 

Sounds good? Then register here or email us at

Family new home house buying

Should I buy a property in 2023 or wait?

There isn’t a yes or no response to this. It all relies on your personal and financial circumstances. 

If you are planning on purchasing a home, you may be curious about how house prices will likely develop and whether this is a good time. But no one can predict perfectly how housing prices or interest rates will alter over the coming months or years. 

Before making any significant decisions, it is crucial to consider the larger picture. Because buying a home is a long-term investment and probably the biggest expense you will ever encounter.

READ: Should I sell my property in 2023 or wait?

State of the UK Property Market as of November 2022

Although the housing market has gained momentum recently and prices have increased, the affordability of goods and services for people has been impacted by rising mortgage rates and a 41-year high cost of living in October 2022. 

Budgets for housing are currently being stretched and are declining. Property sales have decreased by 28% in the past year. Moreover, the price growth of properties in the UK is slowing down. According to Halifax, house prices have fallen to £285,579 in November, compared to £292,598 in October.

So do you buy the price drop, and wait for it to fall further? Or do you take the gamble, purchase now and expect the value to grow over time? Confusing times, yes, we agree.

When should I buy a house?

Let’s look at some of the instances that will be safe for you to enter the property market.

When Your Debt Is Under Control

If you are debt-ridden, it is perhaps not the time. Be it credit card debt, student loans, or another kind of debt – it is dangerous to get more loans in the name of the mortgage. 

However, that’s not the case if you have the funds and are debt-free. Because then your risk is low and may be a good time to consider a house purchase. 

Your Credit Score Is Good

Your ability to obtain a mortgage is significantly influenced by your credit score. When you’re just starting in your profession or have just gotten out of college, it’s typically lower. The credit score will rise as you reduce debt and establish yourself as a reputable borrower. 

Most mortgage companies have different lending policies. For example, you could get a mortgage with a credit score of 600. But you might be subjected to a higher interest rate depending on the lender, and how they prioritise things. Read this article for a vivid picture of credit scores and the possibility of obtaining a mortgage.

You Have A Reliable Source Of Income

To be able to pay your mortgage on time each month, you must have a steady source of income. When determining how much money the bank will lend you, your income plays a definitive role. There is no set minimum income requirement for purchasing a home. 

But there are ways to determine whether you have enough cash flow to qualify for a loan. The debt-to-income ratio (DTI) is used by lenders to assess whether debtors can take on extra debt. 

Regarding DTI, there is no set standard, however mortgage lenders normally favour borrowers with DTIs under 50%. But similar to credit scores, this too will vary. 

You Have A Steady Lifestyle

Purchasing a home is a significant decision that requires a long-term commitment, often involving a mortgage that lasts for 15 to 30 years. You may be prepared to purchase a property. But it is wise to do so if you believe you might want to settle down. Meaning if you want to establish a family, or remain in one place for at least a few years.

It is important to note that unmarried and even married couples might have to qualify with additional factors to obtain mortgage approval. As in life, more than one makes a difference in mortgages too.

You Need More Space

If you’re single or sharing a home with a partner, a one-bedroom apartment can be the perfect fit for you. But do you have kids or do you intend to start a family? A solid reason to buy a house is if you believe you need additional space. Even one additional bedroom will have a significant impact now and in your later life.

How do I know if I should wait to buy a house?

You Don’t Have An Emergency Fund

When you own a home, you are responsible for repairing anything that malfunctions. Without an emergency fund, you can find yourself unable to pay your bills. Before you consider obtaining a mortgage, you should ideally have an emergency fund that can cover at least three months’ worth of living expenses. 

You Have A Lot Of Debt

Although you don’t have to be debt-free to purchase a home, having too much debt can make obtaining financing challenging. Having additional debt can also raise the cost of your loan since you won’t be as likely to get the best interest rates. Before taking on a monthly mortgage payment and all the associated costs of housing, make a plan to pay off your debt.

Your Income Isn’t Stable

To buy a house you must have a steady and secure income. You can predict how much money you’ll have coming in each month if you have a stable career. 

You might not be prepared to purchase a home if you recently started your job or are considering switching careers soon. Before committing to a mortgage loan, wait until your work is secure and you feel at ease.

However, if it is for more than one person, you’ll be fine if the combined income is stable enough. 

So, should I buy a house or should I wait?

If you want to keep your deposit until interest rates come down, then you should wait until they peak. You can expect an interest rate drop in mid-2023. But predictions are just predictions. We still have 6 more months for an unexpected turn of events to spoil the “party”.

But here’s the other side of low-interest rates. Buyer demand will increase, and everyone will try to get their hands on a lucrative offer. This means additional competition (ever heard of the term gazumping?) and it will be difficult to put a successful offer through, at your desired budget.

And in case you don’t have a deposit ready, it will take a few more years for you to be able to throw in the money. But will good homes wait? Absolutely not.

That is precisely where Adjoin can help. We, Adjoin homes, believe that it’s always a good time to buy a house as long as you use the right strategies and make the right decisions.

Our rent-to-buy option is simply the best a future home buyer could now get. You find a house you want to live in now and you jump in for a test ride. That is, you rent and experience the living conditions before deciding if the property is for you.

After some time, if you think that’s your “forever” home, you are the first in line to buy it. If not, you look for another home and repeat the process.

Does that sound interesting? Let us tell you more about the perks of Adjoin Homes.

Join our waiting list and drop us a line at We will get in touch with you soon and clarify everything ;).

How to

How To Maximise Profits On Rental Property 2023

If you are a landlord in the UK, you probably would have had this question in your mind: How to maximise profits on rental property? To make the most of your rental property, you should have the right strategy that generates more money, and increase the value of your property. 

It is a misconception among landlords that increasing the rent is perhaps the only way to be profitable. There are several things you can do to get the most out of your rental property. This article will show you how to make more money as a landlord while keeping your tenants happy. So read ahead! 

3 Actionable Tips to Maximise Profits On Your Rental Property

1. Reduce the Vacancy Period At Your Rental

No surprises here. When your rental property is vacant, it will not generate money. As a landlord, your main goal should be to retain tenants and reduce the vacancy period. Doing this will not only increase profits but also save time as finding tenants can be time-consuming. Not to mention the fees you need to pay if employing a real estate agent. 

Here are a few things you can do to reduce vacancy periods and maximise profits on your rental property.

2. Be wary of property maintenance and property management

Property maintenance is the biggest nightmare for landlords. Even though it is non-negotiable, regular property maintenance costs can easily go out of control. Some renters may overestimate repair work, and you should not agree to each and every maintenance request before checking it yourself.

Hiring a maintenance crew or company can be expensive, depending on how they bill their service. Sometimes you won’t need any repair work for a particular month but could end up paying a retainer. 

The best way to combat this is to do your own maintenance as much as possible. If there are minor repairs such as replacing, bulbs, doing it yourself could save you hundreds of pounds. It would be even more beneficial if you live near your rental, as it cuts down on transportation costs.

Do your own inspections and ensure everything works fine. Tenants do not always report damages – especially if you haven’t built a rapport with them. Indeed, about 46% of landlords say so! Damages that are left untreated now might escalate in the near future and incur higher costs for replacements and fixes.

This applies to managing your rental property too. It is easy to hire property managers, but not everyone can afford the bill. Yes, having your property managed by professionals gives you a sense of peace and is convenient. But it’s not so fun when they charge a significant percentage of your monthly rental.

However, this does not apply to all landlords, as it depends on expertise levels and availability of time. But whenever possible, getting your own hands a little dirty can significantly increase the net profit down the road and maximise profits on rental properties.

In case you have to hire professionals for maintenance, plan ahead and establish a trusted network of contractors and craftsmen immediately. We say this because accessing contractors is the second biggest challenge when it comes to property maintenance.

3. Give your rental property an upgrade

The more facilities your renters enjoy, the longer they are likely to stay. It will even increase the chance of getting a tenant who is willing to pay more.

An upgrade does require further investment, but it is a one-time cost. And since you can increase the rent after an upgrade, the returns will be more than what you get at present. 

Moreover, a property upgrade will increase its current value. And that’s something any property owner would like.

Here are some ways to upgrade your rental property and be more welcoming.

How Can Adjoin Help Landlords Maximise Profits On Their Rental Property

Most of the landlords we have spoken to say that finding a quality tenant is the biggest problem they have. Adjoin’s rent-to-own scheme comes in handy as the tenants we find have equal stakes in your property.

Our tenants rent your property with the goal of buying it from you after a test-drive period. Hence, maintaining the property is in their best interest, due to skin in the game.

Simply put, we find tenants who will pay higher rent and cost you less. As a landlord partnering with Adjoin, you get the best of both worlds.

Interested to know more? Email us at or drop your information here and we will contact you ASAP.