housing – BRUCE AND HOLLY

housing, London, property, real estate, society, Uncategorized

Smart Ways to Slash Your Energy Bills Today

August 29, 2026 bruceandholly

Offshore oil platform labeled PETRO-AVANT with a burning flare at sunset — An illuminated offshore oil platform rises above the sea beneath a dramatic sunset sky.

You will have heard about the recent increase in the UK energy price cap. Around 4%, And you will have got the usual advice about moving to fixed price tariffs. Maybe saving you £150 a year on the increased cost. Big deal! In this article we focus on some practical ways in which any householder can make a significant reduction in their energy bills simply by reducing their energy usage to what they actually need. Remember that 400 years ago no- one in the UK had even heard of fossil fuels. Yes there were fewer of us. Under 9 million. And remember that in 1650 most working families lived in a single room. And their diet was whatever they could pull out of the ground. Probably quite healthy by today’s standard. Only rich people ate meat. So you didn’t even need an oven. Just something to boil the peas. Or heat the kettle. If you got too cold you might throw a log on the fire. Or just wrap up.

For me, the biggest contribution to reduced electricity use has been the transition from tungsten filament to modern low energy light bulbs. An 85% saving in energy costs. And do you remember those horrible halogen light bulbs which became part of that transition? The blinding white light? Like a pair of car headlights shining in your face. So now we’re all low energy.

I’m not tempted to take up the £7,500 government grant to replace my gas boiler with a heat pump. It feels too much like an emerging technology. Like being asked to invest in a brick phone. I’m just not going to go there. And even heat pumps burn energy. Replacing gas with more expensive electricity. And I’m not sure it would even work. So I’ll wait until something better comes along. And I’m not rushing out to buy an electric car. I can’t remember the last time I filled my car with petrol. It spends most of its time parked up. I only use it occasionally to stop in seizing up. Living in London, means I am able to use my freedom pass to get about. Combining my freedom pass with a senior rail card makes travel very affordable for me. It only cost me £10 to get from West London to Southend. How cheap is that? Even if I didn’t have a freedom pass, I might still choose to use public transport where it is possible and afforable to do so and maybe purchase a network rail card , which is available to anyone. So I don’t understand why the government isn’t doing more to get people out of their cars and use public transport. What did Rachel Reeves do instead in her first budget? Increase the cap on bus fares from £2 to £3. Not 5% or 10%. But a whacking 50% increase. A £3 bus cap may not sound much. But it’s £6 for a return trip. And £12 if there is two of you. Well that’s really going to encourage bus usage!

Nor am I going to install solar panels on my roof. It’s too much of a fire risk. Like charging an e-bike in my back bedroom. How do I know that it’s going to be correctly installed? And what is the real saving? The thing about solar electricity is that it cannot be stored. It is electrical energy which is being produced when we least need it. And yes – I know that plug-in solar panels have just come on the market. But it feels too much like a toy. Even at a cost of £400 for the equipment, the trickle of energy it would produce would take me 5 years to get payback. And I don’t understand why renewable electricity cannot be stored? In the final part of this article I’m going to list out those simple ways in which you can cut your own energy bills. Here they are

Don’t keep your central heating on ‘constant’. Time it so that it only comes on when you need it. Maybe for an hour in the morning and again later in the day. Just to take the chill off. You can always put it on for an extra hour if you need it. But don’t keep it bubbling away.
Set your living room thermostat to 20°. Does it really need to be hotter? It means your heating will only come on when you really need it.
If, like our ancestors, you spend most of your life in a single room, do you need to heat the whole of your house? Maybe invest in an oil-filled radiator for that room. It will only cost about 50 pence per hour to run even if you are running it full blast. Less if you set the thermostat correctly so that’s it switches off at room temperature.
Leave your car parked up and use public transport where it is practical and affordable to do so. Avoid the hassle of pay by phone parking when you go into town. I recently treated my adult sons to a network rail card giving them a 1/3 discount on off-peak travel. I still think that the £40 discounted fare is too much for an off-peak return trip for two adults traveling from Farnborough to London Waterloo. But it’s better than £60. And I hate to think what it would cost at peak times.
Microwave, microwave, microwave. Instead of using a conventional oven. Even for things which you are not supposed to microwave, like fish. You can always finish it off in the frying pan. Microwaves use a typical 85% less energy than a conventional oven.
If you are unlucky enough to have an oil fired central heating system and have seen a 100% increase in cost since Trump’s war with Iran. My advice? Just switch it off. You’ve probably got an immersion heater if you need hot water for a bath. So use that when you need it. But remember to switch it off.

housing, Law, Uncategorized

I’ve received a section 21 eviction notice from my landlord. What can I do?

April 25, 2026April 25, 2026 bruceandholly

Photo by Luis Medina Diseu00f1o on Pexels.com

If you occupy your home under an assured shorthold tenancy, you may be amongst the thousands of people who have received from your landlord a section 21 eviction notice before the Renters’ Rights Act 2025 takes effect on 1st May 2026. On that day the law changes. Tenants who previously could have been evicted on as little as 2 months notice will then have lifetime security of tenure. Landlords will only be able to evict a tenant if they can prove to a judge that they have legitimate grounds to do so. What this means is that many buy-to-let landlords are trying to get out of the market before the law changes on that date. So what do you need to do if you are a tenant who has received a section 21 eviction notice?

Sit tight. At least for the time being. A landlord who evicts you, still has to go through the process of getting a possession order through the courts, even though there is currently an accelerated process for doing this. And even after a court order has been obtained, the only way which a landlord can forcibly evict a tenant is by engaging the services of a bailiff, which itself can take months.
if you have received a section 21 notice but your landlord has not issued court proceedings against you before a 1st August 2026 cut off date, the Section 21 notice will lapse and the landlord will have to start the whole process again. Only this time round, you will be a sitting tenant. It means that the only way your landlord will be able to evict you is if they can convince a County Court judge that they have legitimate grounds for ending your tenancy. A process which could take up to a year, given the current delays to the court system in the UK.
If you have children living with you, or are pregnant, or are old or have a serious health condition, your local housing authority may have a duty to ensure that you are not left out on the street. In other words, homeless legislation regards you as someone having a ‘priority need’ for rehousing. So don’t forget to get in touch with your local council as soon as possible.

business, housing, Law, London, real estate, society

A Landlord who fails to do this could be fined up to £7,000

March 28, 2026 bruceandholly

Once the Renters’ Rights Act 2025 takes effect on the 1st May 2026, private residential landlords in England will have only 1 month to get tenancies correctly documented or face fines of up to £7,000. This means serving existing tenants with a tenant information sheet explaining their new rights under the 2025 Act. These new rights can include lifetime security of tenure, protection against unfair rent increases, the ability to vacate on as little as 2 months prior written notice, and the outlawing of discrimination against tenants who are on welfare or who have children living with them. For landlords who get it wrong, there may be no second chances. Just a financial penalty.

For new tenancies, or those which were previously undocumented, landlords must issue tenants (as well as prospective tenants) with a written statement of terms containing all the information required by the Assured Tenancies (Private Rented Sector) (Written Satement of Terms etc and Information Sheet) (England) Regulations 2026. The content of that written statement of terms must conform exactly to the requirements of the schedule to the 2026 Regulations. That statement can either be standalone or incorporated in a formal tenancy agreement. The Information Sheet to be served on existing tenants must be downloaded as a PDF and must be issued to tenants either as hard copy or by email but exactly in the prescribed format. To help landlords with this, the Ministry of Housing Communities and Local Government has issued guidance published 20th March 2026 titled, ‘The Renters’s Rights Act Information Sheet 2026: The information sheet about the Renters’ Rights Act 2025 that landlords and their agents must give to tenants’.

Whilst there is no prescribed template for the statement of terms, it is important that particular care is taken to include within these statements of terms any legitimate non-fault grounds of possession to which the tenancy may be subject. Landlords who fail to do this may later have difficulty in recovering possession even when they might otherwise have had legitimate grounds to do so.

The MHCLG Guidance includes the following advice:

the information sheet does not have to be given to lodgers but must be given to every tenant named on the tenancy agreement
the tenant information sheet is only valid when downloaded from the Government website;
the information sheet must be given to tenants either by printing a hard copy and posting or hand delivering to tenants or alternatively sending a PDF electronically as an attachment to an email or text message where it is appropriate to do so. However it is not sufficient just to email or text a link to a tenant;
the legislation does not require landlords to change or reissue an existing written tenancy agreement;
where a tenancy was informally entered into before 1st May 2026 without a written agreement, the landlord must provide a statements of tenancy terms (see above);
Social landlords do not need to provide this information sheet.

business, housing, Law, London, politics, property, real estate, society

Kings Speech 2024 – What it means for conveyancers and other property professionals.

July 21, 2024 bruceandholly

Photo by SevenStorm JUHASZIMRUS on Pexels.com

King’s Speech 2024 – what it means for conveyancers and other property professionals.

We are not talking about the big-ticket stuff – like House of Lords reform. Instead, we are focusing on the small-print in the Starmer agenda. The things which are likely to affect our day-to-day work. We also mention things which we would have expected to see mentioned in the King’s Speech, on which there has so far been silence. Here are the things which interest us.

A Planning and Infrastructure Bill

This is exciting. For too long, the ‘no’ lobby has been in the ascendancy. And all at a time of housing crisis. Planning has become two politicised. Planning pre-conditions have become long shopping lists, within a process which has become like treacle. Even so, the government’s announced proposals for reforming the planning system are modest: with the restoration of house-building targets and the reclassification of some parts of the green belt. When what is really required is a speeding up of the whole planning process. Which shouldn’t be problematic for a self-financing public service. We’re sure many developers would be willing to pay a little bit extra by way of planning-fees, to pay for the additional staff needed to get their applications through the system. And if it is blocked by local politicians, to get it quickly in front of a government-appointed planning inspector. Why should that be difficult?

Leasehold Reform

Some of it we have heard before. Like replacing a leasehold system which has existed for more than 1000 years by a new system of commonhold. The legislation already exists in the Commonhold and Leasehold Reform Act 2002. But it didn’t work when Tony Blair tried to introduce it more than 20 years ago. Because nobody wanted it. So why will it work now? Despite its imperfections, residential leasehold is the most workable system for selling flats and maisonettes. So wouldn’t it be better just to make the reforms needed to get the existing residential leasehold system right, instead of trying to force something which nobody wants. At the moment, we are waiting for the new government to bring into force detailed provisions of the Leasehold and Freehold Reform Act 2024, which received royal assent in the last days of the Conservative government. But it is not just about bringing it into force, because the detail will be in the regulations which, as far as we’re aware, have yet to be published. So there is some work for the new government to do before that legislation can take effect. We are also expecting the new government to waste no time in pushing forward with the Renters Reform Bill, which had been tabled by the previous Conservative government but dropped as soon as the general election was called. It always seemed to us that the last government’s commitment to removing section 21 no-fault evictions was always a little half-hearted, we assume because of the landlord-lobby. Funny thing about the section 21 evictions process, was that it was not seen as problematic in 1989 when the private-rented sector was opened up, because the residential market was so different, with residential landlords competing with each other for the best tenants, not the other way round, as it is today. It meant that if, in 1989, you were a reputable tenant who was unlucky enough to be given the section 21 notice of eviction, there would be dozens of other potential landlords bidding to accommodate you. And remember, that in 1988, most councils still had their social rented stock.

Absences

As well as the reforms which the new government has announced, there are also some things missing, which we would have expected to find within the King’s Speech or other government announcements. We are surprised that there has been no mention at all of any scaling back of right-to-buy, not even from the crazy discounts introduced by the Cameron government. What is scandalous is that up to 40% of ex-right-to-buy properties are now in the hands of private landlords, meaning that local authorities are having to rent back ex-right-to-buy properties on their own estates, just to meet their statutory housing needs. What nonsense is that? Is our system of housing benefits really so generous that it can afford to throw money at private landlords, because there is no longer any significant affordable rented sector? No wonder first-time buyers and private renters have been priced out of the housing market. The other thing, for which there has been no mention, is any revamp of the measures brought in by the Gordon Brown government to bring long-term empty dwellings back into occupational use. The problem with Brown’s empty dwellings management orders, was that the whole process was too cumbersome to be of any use. At the last count there were approximately 260,000 empty dwellings in the UK. What a waste!

Legislative Agenda

We have also taken a few moments to look at the government bills which are currently before Parliament. Presently, there are only five government bills, most of which we think are uncontroversial. These include a new Arbitration Bill, building on the existing 1996 legislation, to restore London as the world’s arbitration capital. Who is going to argue with that? And there is also the bill to re-nationalise Britain’s railways. With only four clauses, this bill is astonishingly short for what has become one of the new government’s landmark policies. It does no more than prohibit a re-letting of existing railway franchises except to a government-owned company.