Promotional graphic in Connect Mortgages brand colours showing a hand holding a “Net Zero CO₂ 2050 Emissions” circular icon set on the left, with a large blue speech-bubble on the right that reads “Crucial Milestones for Landlords,” plus a curved blue ribbon accent along the right edge.

Every landlord reaches defining moments in their journey.  For many, the story of Crucial Milestones for Landlords begins with a first property purchase, followed by decisions that shape long-term success. Whether expanding a portfolio, refinancing for better cash flow, or planning an exit strategy, each milestone brings new responsibilities and financial considerations.

Understanding these milestones early helps landlords make informed decisions and avoid costly mistakes.

In 2019, home heating accounted for around 17 per cent of the UK’s total greenhouse gas emissions. This made domestic heating one of the largest contributors to carbon output. As a result, the Government identified home heating as a key area for improvement and set long-term targets to reduce emissions. These plans included proposals to phase out gas boilers and encourage the use of lower-carbon alternatives.

More recent announcements suggest the Government’s approach and timelines may evolve. While the overall aim of reducing emissions remains, changes to policy direction and deadlines have created uncertainty. This has led many landlords to question how and when they may be affected.

For landlords, staying informed is essential. Regulatory changes can influence property standards, financing decisions, and long-term planning. Understanding how environmental policy interacts with property ownership allows landlords to prepare without making unnecessary or rushed changes.

Thus, aligning with evolving requirements ensures optimal management of your property portfolio now and in the future.

New Regulations on Boiler Installation in New Constructions

For many landlords, one of the most overlooked milestones occurs during new-build planning. Heating regulations now play a central role in long-term property viability, particularly for future mortgage options and rental standards.

Changes to Boiler Regulations in New Builds

A key development affecting landlords concerns legislation on boiler installations in newly constructed properties.

In November 2020, the Government announced its Green Industrial Revolution. As part of this plan, proposals were introduced to end gas boiler installations in new homes. At one stage, this deadline was brought forward from 2025 to 2023.

Following consultation and industry feedback, the Government confirmed that the original 2025 target would remain in place.

For landlords involved in property development or purchasing new build investments, this date remains a critical compliance milestone. Keeping up to date with regulatory changes helps landlords protect future rental income and maintain eligibility for buy-to-let mortgage funding on newly built properties.

2028 and the Shift Towards Alternative Heating Solutions

Crucial Milestones for Landlords

Another important milestone for landlords is the move towards low-carbon heating.

The Government has set a target to install 600,000 heat pumps per year by 2028. This target supports wider environmental commitments and future housing standards.

In June 2023, the UK climate watchdog raised concerns that progress was significantly behind schedule. As reported by the BBC, this has led to discussions around expanding incentives to encourage uptake.

One such incentive is the Boiler Upgrade Scheme, which currently offers grants of up to £7,500 to replace traditional boilers with heat pumps. This grant was increased from £5,000 to improve participation.

Importantly, these grants are available to buy-to-let landlords, not just owner-occupiers. Landlords considering property upgrades may wish to factor these incentives into long term planning, especially when reviewing landlord remortgage options or improving energy efficiency.

would be greatly appreciated.

2035 and the End of New Boiler Installations

The proposed 2035 deadline has attracted significant attention. Under current plans, the installation of new gas boilers will end after this date.

The Government has clarified that landlords will not be required to replace a functioning boiler before the end of its working life. Existing systems may continue operating until they naturally require replacement.

This has led to speculation about increased boiler installations before the deadline. However, delaying action may result in higher costs and fewer available incentives.

As the deadline approaches, cooperation between the Government and the heating industry is expected to support a smoother transition. For some landlords, earlier adoption may provide better cost control and support future borrowing decisions, including applications for limited company buy-to-let mortgages.

Crucial Milestones for Landlords

2050 and the Net Zero Target

The year 2050 is the UK’s target for achieving net-zero emissions. This long-term goal brings together multiple policy changes across housing, energy, and finance.

As heating standards evolve, landlords who delay adapting may face higher energy costs and reduced access to financial incentives. Over time, subsidised upgrade schemes may become more limited or withdrawn.

Taking a proactive approach allows landlords to plan improvements alongside wider portfolio decisions. This may include reviewing second-charge mortgage options to fund upgrades or restructuring existing borrowing to support long-term sustainability.

Planning Ahead as a Landlord

Heating regulations are becoming a central part of property investment planning. Staying informed helps landlords make balanced decisions that support compliance, affordability, and future mortgage eligibility.

All mortgage solutions are subject to status, affordability, and lender criteria.

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Thank you for reading our publication, “Crucial Milestones for Landlords | Timeline To Net-Zero 2050.” Stay “Connect“-ed for more updates soon!

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Liz Syms is the CEO and Founder of Connect Mortgages and Connect for Intermediaries, a leading firm specialising in property investment finance. With more than 25 years of experience in the mortgage and financial services industry, Liz has helped thousands of clients secure both residential homes and investment properties.

Renowned for her expertise and commitment to excellence, Liz is passionate about delivering tailored, high-quality advice on mortgages and protection. Her leadership has positioned her as a trusted figure in the sector, and under her guidance, Connect Mortgages has expanded to a national team of over 300 advisers.

Driven by a vision to make Connect Mortgages one of the UK’s most successful mortgage networks, Liz continues to champion professional standards and client-focused solutions across the industry.

About the Author

Liz Syms is the CEO and Founder of Connect Mortgages, a specialist in finance for property investment. With over 25 years of experience in mortgages and financial services, Liz has helped countless people get their dream homes and investment properties. She is passionate about giving her clients the best advice possible when it comes to financial decisions relating to mortgages and protection and is dedicated to providing the highest quality of service. With her wealth of knowledge in the industry, Liz is a respected leader in mortgages and financial services and has grown her team to over 300 advisers nationally. She strives to make Connect Mortgages one of the most successful companies in its field.

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