§ Explainer · 04 November 2026

Fixed-fee reform, pet-request insurance checks, and Budget fallout: five items to note from the past fortnight

Propertymark has floated fixed-fee conveyancing reform, the NRLA has published pet-request insurance guidance, and Budget 2026 commentary is circulating—but none of these items introduces a new compliance obligation or deadline for agents.

A cluster of publications over the past fortnight offers commentary, checklists, and policy ideas without creating new regulatory duties. Agents may wish to review these items to understand emerging themes and prepare for client questions, but there is no immediate action required in law.

Fixed-fee reform: commentary, not regulation

Propertymark published a piece on 1 November 2026 suggesting that fixed-fee structures for property ownership changes could reduce transaction complexity. The article is industry opinion on potential future reform; no regulatory change has been announced, no government consultation is open, and no new obligation applies. Agents may wish to review the Propertymark commentary to understand the proposed model and consider whether current fee-disclosure practices would accommodate a fixed-fee regime if one were introduced. Readers should verify all detail against the linked source before acting.

Pet-request insurance checklist

The National Residential Landlords Association published guidance on 31 October 2026 listing five insurance checks landlords should make when considering a tenant's pet request. The article is landlord-facing advice with no new regulatory obligation for letting agents. Agents advising landlords on pet-request policies may wish to review the NRLA guidance to confirm the five checks listed—policy coverage, excess, damage scope, liability, and notification requirements—and compare the checklist against standard landlord advice templates. One suggested approach is to share the NRLA article with landlord clients who ask about pet policies.

Budget 2026 commentary and landlord tax

The NRLA published commentary on 31 October 2026 arguing that Budget 2026 measures will increase costs for private landlords and be passed to renters. The article offers no new compliance obligations for agents; it reports the NRLA's policy position on tax and regulatory changes already in force or previously announced. Separately, Chancellor John Healey defended a planned increase in landlord tax on 30 October 2026, stating the measure targets those with assets, but the announcement does not specify rates, effective dates, or compliance obligations. Agents whose landlord clients may cite Budget measures when negotiating fees or instructing rent increases may wish to review the NRLA commentary to understand landlord concerns ahead of client conversations, and to monitor HM Treasury and HMRC announcements for detailed policy measures and timings. Readers should verify all detail against the linked sources before acting.

Antisocial behaviour injunctions: framework refresher

Shelter Legal published guidance on 31 October 2026 covering antisocial behaviour injunctions under Part 1 of the Anti-social Behaviour, Crime and Policing Act 2014. The guidance summarises the statutory framework and court procedures relevant when managing tenant-related antisocial behaviour in residential tenancies. Letting agents managing tenancies where landlords or local authorities may seek antisocial behaviour injunctions against tenants or occupiers may wish to review the Shelter Legal guidance to note the grounds and procedure for obtaining injunctions, and to confirm with a legal adviser whether current tenancy-management processes adequately document antisocial behaviour incidents for potential injunction applications. Readers should verify all procedural detail against the linked source and consult a solicitor for case-specific advice.

Ofgem consults on landlord liability for tenant energy debt

Ofgem published a consultation on 30 October 2026 proposing that landlords become legally liable for tenants' unpaid gas and electricity bills when energy suppliers lack accurate occupant details at move-out. Letting agents managing HMOs and multi-let properties would need to collect and share tenant move-in and move-out dates with suppliers to prevent landlords inheriting debt. Agents managing properties where tenants hold individual energy accounts may wish to review the Ofgem consultation paper to confirm the proposed liability trigger and exemptions, check whether current tenancy-start and tenancy-end processes capture move dates in a format energy suppliers can accept, verify account details for the energy suppliers serving each property, and consider whether template move-out letters to tenants already prompt them to close their energy accounts and provide final readings. Readers should verify all detail against the linked source before acting.

Who is affected

The Propertymark fixed-fee commentary and NRLA pet-insurance checklist are relevant background for estate and letting agents handling sales transactions and landlord advice. The Ofgem consultation affects letting agents managing properties where tenants hold individual energy accounts, particularly HMOs and multi-occupancy buildings. The Shelter Legal guidance is relevant for letting agents managing tenancies where antisocial behaviour injunctions may be sought.

Suggested approach

Agents may wish to review each of the linked sources to understand emerging policy themes and client questions, but no immediate compliance action is required. One suggested approach is to monitor Ofgem for the outcome of the energy-debt consultation and to prepare template processes for capturing tenant move dates if the proposal proceeds. Readers should verify all detail against the official sources before taking action, and consult a solicitor for case-specific advice.

Sources

Verify the detail against the linked source before acting.

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