The Renters’ Rights Act 2025: An Interview with Suzanne Smith, The Independent Landlord

1,537 words, 6-10 minute read
Following the rollout of the Renters’ Rights Act across England on Friday 1st May, we spoke to Suzanne Smith of The Independent Landlord for her thoughts on how this will affect landlords and the UK rental property market.
Suzanne’s latest book, The Good Landlord Handbook: Succeed as a landlord under the Renters’ Rights Act, is a comprehensive guide of not just the latest legislation, but of the sector itself and how to operate as a Good Landlord within it.
Hi Suzanne, good to see you again. You’ve had some history with property’s booms and busts in the past, what originally drew you to the sector?
I bought my first property in 1994, which was at the height of the period of negative equity that followed Black Wednesday in 1992. It turned out to be the perfect time to buy.
In terms of my first “investment” property, that was in 2015, and the reason was practical. I had taken a job in Cambridge, two hours from where I live in Kent, and decided to buy a flat for me to live in during the week, instead of renting. That turned out to be a terrible investment, as I bought at the top of the property bubble in Cambridge and the service charge doubled. I barely broke even when I sold 7 years later.
I started buying buy to lets once I left the corporate world in 2019. This time I bought houses, close to where I live, and decided to manage them myself. My aim was long term income, with capital growth as a bonus.
When we first met, you mentioned that you tend to approach life as a landlord with the eye of an in-house lawyer. What do you mean by this?
After qualifying as a solicitor in a City law firm, I decided I wanted to work “in-house”, which means working for a business, as part of the management.
The role of an in-house solicitor is focused on helping the business grow, at the same time as helping it prepare for changes in the law and manage risk over the long term. Solicitors who work in law firms do individual pieces of work for clients, and their aim is to earn fees for the law firm. It’s a different mindset.
I approach being a landlord, and writing content, as an in-house lawyer. For instance, how do we adapt our businesses from a practical point of view for new legislation, such as the Renters’ Rights Act.
I guess that would tie-in to your own property investment philosophy: that it’s good business to be a good landlord?
Tenants are our customers. The landlords who treat them that way, who provide a good service and maintain their properties well, have fewer voids, fewer disputes, and better long-term returns. It’s not altruism. It’s good business.
“Fewer voids, fewer disputes, and better long-term returns. It’s not altruism. It’s good business.”
Suzanne Smith
Well said. I wonder if we could move over to the Renters’ Rights Act. The sector is facing the biggest changes in a generation right now, and the industry reaction has been intense to say the least. Do you remember what you originally thought when you first heard about it?
In-house lawyers step back from the politics, and look at what the practicalities mean.
Consequently, as soon as the Renters (Reform) Bill was published on 17 May 2023, I downloaded it and read it from cover to cover. I wanted to figure out what it meant in practice, and then started writing content for my blog, The Independent Landlord.
I was the first website to publish an analysis of the Bill, that very day. Here’s an updated version of that blog post here: Renters’ Rights Act Guide: The 12 key provisions
As it stands, the RRA leaves a lot open to interpretation – for instance, one of the big headlines is that Section 21 “no-fault” eviction notices are disappearing – and some of the alternative Section 8 grounds (12 & 13) are discretionary, leaving matters in the hands of the courts to decide whether or not an eviction is justified. How do you think this will change things for landlords going forward?
With Section 21, landlords haven’t needed to state their reasons for wanting to evict the tenant.
Section 8 is different, as it requires the landlord to have one or more ground to evict, and the grounds need to be backed up with evidence. Also, a landlord risks a civil penalty of up to £7,000 if they try to rely on a ground, without genuinely qualifying for it.
That means proper records: rent statements, correspondence with tenants, inspection reports, evidence of antisocial behaviour if that’s the issue.
For the discretionary grounds, judges will look at the whole picture, including whether the landlord has acted reasonably. A landlord who has communicated clearly, followed the right process, and given the tenant a fair chance to put things right is in a much stronger position than one who has let things drift and then gone straight to court.
In The Good Landlord Handbook, you break down the criteria for what will be classified as an assured periodic tenancy going forward – I’m aware that some landlords intend to get around the new changes by offering a “Licence to Occupy” in place of a tenancy agreement. What are your thoughts on this?
Loophole-hunting has always been a very risky strategy, but it’s even riskier now, as the Renters’ Rights Act has a huge amount of civil penalties that are designed to stop landlords from trying to get around key provisions, like the banning of fixed terms and the requirement to serve a written statement of terms. There is also the Digital Markets, Competition and Consumers Act 2024, which bans unfair commercial practices and comes with even larger penalties.
If a property or a room in an HMO is genuinely someone’s home without a live-in landlord, that is an assured periodic tenancy from 1 May 2026, regardless of what people call it. Unless the arrangement truly lacks exclusive possession and is run with service akin to a hotel, the courts are likely to view the licence as a “sham”, and treat it like a tenancy.
I go into this in more detail in my blog post: HMO licences to occupy: tenancy or sham?
I was expecting TGLH to primarily break down the new reality of the RRA – and whilst it does this – I was surprised to find it covers just about everything to do with letting and managing a property from start to finish – even areas not affected by the new legislation. Was this a conscious choice?
Yes. It’s deliberately not a textbook on the Renters’ Rights Act. Landlords and property investors need to understand how to run their businesses now that the Renters’ Rights Act has changed so much of what we have taken for granted.
I therefore decided to write a handbook that goes through every stage of a tenancy, and explains what we need to do from a practical point of view, to remain compliant with the various overlapping pieces of legislation. For instance, the Tenant Fees Act, the Housing Acts and the Landlord and Tenant Act 1985, as well as the Renters’ Rights Act.
I’ll write a handbook on just the Renters’ Rights Act next year, but the priority now is for landlords and investors to have an integrated manual.
You’ve mentioned before that you’ve tried to hit a middle ground with TGLH as everything you’d seen before was either ‘not legal enough’ or ‘too much legalese’. How did that guide your writing?
The focus of my book is on the practicalities, but I wanted to ensure that readers understand the legal framework, as that’s important. I therefore explain the legal side in a straightforward, plain English way, with footnotes for those who want to go further.
It must have been tempting to offer opinions on the new changes, turning the book into more of a polemic, and I was surprised at just how unbiased your advice is throughout. Was this something you found yourself needing to hold back?
I have always deliberately kept out of politics, and put the wrongs and rights of it to one side. I leave that to others.
Again, my background as an in-house lawyer comes to the fore here. The tenancy reforms in the Renters’ Rights Act are now in force. If we are going to succeed in the new world, we need to know how to adapt, and what we need to do differently, in compliance with the new rules.
That’s what The Good Landlord Handbook is all about.
OK, final question: What’s the best thing that landlords can do right now to adjust for the RRA changes?
Read my book, the full title of which is The Good Landlord Handbook: Succeed as a landlord under the Renters’ Rights Act 😊. And once they’ve done that, make sure they serve the government Information Sheet on tenants by 31 May.
Looking forward, this blog post brings it all together with some useful checklists of what’s changed already, and what is still to come: Free checklists to comply with Renters’ Rights Act.
Great answer! Suzanne, thanks so much for your time.













