Author: admin

  • How can I stay safe in hot weather as I get older?

    How can I stay safe in hot weather as I get older?

    Quick answer: As you get older, your body finds it harder to cool itself down, which makes hot weather genuinely dangerous — not just uncomfortable. The most important things you can do are drink water regularly even when you don’t feel thirsty, keep at least one room of your home cool by closing curtains on the sunny side, and avoid being out in direct sun between 11am and 3pm. If you feel dizzy, confused, or stop sweating despite the heat, seek help straight away.

    Why does hot weather become more dangerous as we age?

    It’s not just your imagination — hot weather is genuinely harder to cope with in your 50s, 60s, and beyond than it was when you were younger. Several things change as we age that make the body less efficient at dealing with heat.

    Your sweat glands become less effective, so your body produces less sweat — and sweating is your primary cooling mechanism. Your circulation also slows, meaning warm blood doesn’t move as efficiently from your core to your skin where heat can escape. And critically, your sense of thirst becomes blunted, so you may not realise you’re dehydrating until it’s already a problem.

    People living with heart disease, diabetes, kidney problems, or dementia face added risk in hot weather. The UK Health Security Agency updated its hot weather guidance on 23 June 2026, specifically urging people over 55 to take summer heat seriously and not to dismiss warning signs as simply “feeling a bit tired.”

    How much should I be drinking in hot weather?

    The NHS recommends at least 6–8 glasses of fluid a day in normal conditions. In warm or hot weather, you need more — aim for around 2 litres throughout the day, and a little extra if you’ve been active or if it’s a particularly hot day.

    The golden rule is don’t wait until you’re thirsty. By the time thirst kicks in, you’re already mildly dehydrated. Instead, build drinking into your routine: a glass when you wake up, one with each meal, and one mid-morning and mid-afternoon.

    • Good choices: water, diluted squash, lower-fat milk, herbal teas (hot or cold)
    • Hydrating foods: cucumber, melon, strawberries, tomatoes, and yoghurt are all high in water content
    • Limit alcohol: it’s a diuretic — you lose more fluid than you take in
    • Moderate caffeine: tea and coffee are fine in moderation, but don’t rely on them as your main fluid source

    How can I keep my home cool without air conditioning?

    Most UK homes don’t have air conditioning — but there are effective ways to stay cool without it. Think of your home like a thermos flask: the goal is to trap cool air in and keep hot air out during the day, then reverse that at night.

    • Close curtains and blinds on sunny sides during the day. South- and west-facing windows let in the most heat. This single step can drop indoor temperatures by several degrees.
    • Open windows at night when the outside air cools — usually from around 9–10pm onwards — to let the heat out and cool air in.
    • Move downstairs during the day if possible. Heat rises, so ground-floor rooms stay cooler.
    • A damp flannel on your wrists and neck cools you quickly because the blood vessels there are close to the surface.
    • Avoid using the oven during the hottest part of the afternoon — cook earlier in the day or prepare cold meals instead.

    What are the signs of heat exhaustion — and when should I call for help?

    Heat exhaustion is serious but treatable if caught early. Heatstroke — the next stage — is a medical emergency. It’s worth knowing the difference before summer really gets going.

    Heat exhaustion typically involves: heavy sweating, dizziness or feeling faint, nausea, headache, pale and clammy skin, and a fast but weak pulse. If you or someone you know has these symptoms, move to a cool room, sip cold water slowly, and apply cool damp cloths to the skin. If symptoms don’t improve within 30 minutes, call NHS 111.

    Heatstroke is more alarming: confusion or slurred speech, a very high temperature (above 40°C), stopping sweating despite the heat, a rapid strong pulse, and possible loss of consciousness. This is a 999 emergency — do not wait.

    Which medicines can make me more vulnerable to the heat?

    This is something many people don’t know, and it’s worth a conversation with your GP or pharmacist before the hottest weeks arrive. A number of very common medicines affect how your body handles heat:

    • Diuretics (“water tablets” such as furosemide) increase fluid loss through urine, raising dehydration risk significantly
    • Beta-blockers (bisoprolol, atenolol, and others) can limit your heart’s ability to respond to heat
    • Antihistamines — including common hay fever tablets — can reduce sweating, impairing your cooling system
    • Antidepressants and antipsychotics affect temperature regulation in different ways depending on the type
    • Blood pressure medications can interact with the dilation of blood vessels caused by heat, sometimes leading to dizziness or falls

    Never stop taking medication without speaking to your doctor first — but do raise the subject. Asking your GP “do any of my medicines affect how I handle hot weather?” is a completely reasonable and sensible question.

    How can I look out for a neighbour or friend during a heatwave?

    One of the most valuable things you can do during hot weather is look out for others — especially people who live alone, have limited mobility, or rarely leave the house. Isolation and heat are a dangerous combination, and NHS guidance consistently highlights social connection as one of the best protections against heat-related harm.

    A quick phone call or knock on the door can genuinely make a difference. If you visit in person, keep an eye on a few simple things:

    • Is there water nearby — and have they actually been drinking it?
    • Is the room uncomfortably warm? Are curtains drawn on the sunny side?
    • Do they seem confused, more tired than usual, or unsteady on their feet?
    • Are they wearing light, loose clothing?

    You don’t need to be a formal carer to do this. Being a neighbour is enough.

    What are the key things to remember?

    • Drink regularly throughout the day — don’t wait for thirst to remind you
    • Close curtains on sunny sides of the house during the day; open windows at night
    • Ask your GP or pharmacist whether any of your medicines increase your risk in hot weather
    • Know the difference: heat exhaustion – call NHS 111; heatstroke – call 999
    • Check in on neighbours and friends — a brief visit or phone call can genuinely save a life
  • What free help can you ask for at UK airports — and how do you arrange it?

    What free help can you ask for at UK airports — and how do you arrange it?

    If airports feel exhausting or overwhelming, you are legally entitled to free special assistance — and you do not need to be in a wheelchair or have a visible disability to ask for it. From wheelchair transport across the terminal to priority boarding and help with your luggage, airport assistance is available to anyone who struggles with the journey. The key is knowing what to ask for, and when to arrange it.

    What is airport special assistance — and who is it actually for?

    Airport special assistance (sometimes called Passenger with Reduced Mobility support, or PRM) is a free service that all UK airports and airlines are legally required to provide under UK aviation law. It is designed for anyone who finds it difficult to travel independently through an airport — not only people in wheelchairs.

    You might qualify even if you walk independently at home. Long terminal distances, heavy queues, and fast-moving crowds can be exhausting if you have a heart condition, arthritis, COPD, anxiety, or any condition that drains your energy or affects your confidence. You are not taking a service away from someone who needs it more — this is designed precisely for situations like yours.

    Who can ask for it?

    According to the UK Civil Aviation Authority, you can request special assistance if you have:

    • A physical disability or reduced mobility, including age-related frailty
    • A hidden or non-visible condition such as heart disease, chronic fatigue, dementia, or severe anxiety
    • A temporary injury such as a broken leg or recovery from recent surgery
    • A sensory impairment including sight or hearing loss

    There is no formal assessment or medical certificate required. You simply declare that you need help. Airport staff are not permitted to question or challenge that.

    What kinds of help can you actually ask for?

    The service is far more comprehensive than most people realise. Here is what airports and airlines are legally required to offer:

    • Wheelchair or buggy transport from the airport entrance all the way to your aircraft seat
    • Help with check-in luggage — staff will assist you with bags if you are unable to manage them
    • Priority queuing at security, passport control, and the boarding gate
    • Dedicated assistance lanes so you avoid long general queues
    • Help on and off the aircraft, including aisle wheelchairs for those who cannot walk down the aisle unaided
    • Assistance on arrival at your destination — the full service applies both ways, not just on departure

    All of this is completely free of charge. Airlines cannot legally charge you for special assistance, and you should not be asked to pay.

    How do you arrange it — and how far in advance do you need to let your airline know?

    The most important step is to notify your airline — not just the airport — at least 48 hours before your flight. Most airlines let you add this at the time of booking through a drop-down menu or accessibility section. If you forget, call their customer service line as soon as you remember.

    On the day itself: when you arrive at the airport, look for the Special Assistance desk or help point, usually near the entrance and clearly signed. You can often call ahead from the car park using phone numbers displayed on assistance signs. A member of staff will meet you and guide you through the entire process from there.

    One reassuring thing to know: even if you arrive without having booked in advance, airports must still try to provide help. The 48-hour rule is the standard to aim for, but it is not a hard cutoff that means you will be turned away.

    What is the Hidden Disabilities Sunflower lanyard — and how do you get one?

    The Hidden Disabilities Sunflower is a simple green lanyard with a sunflower pattern. Wearing one is a discreet way to signal to airport staff, security officers, and shop assistants that you have a hidden condition — without having to explain yourself to every person you encounter.

    The lanyard is recognised at every major UK airport and at thousands of UK shops, attractions, and public transport hubs. Staff who see it are trained to offer extra time, patience, and support without making a fuss of it.

    You can pick up a free Sunflower lanyard at the Special Assistance desk at most UK airports. It does not expire and can be used again and again. If you already have one from a previous trip or from a Sainsbury’s store, any UK airport will accept it. You can also order one online via the official Hidden Disabilities Sunflower website for a small postage fee.

    Can you take your own wheelchair or mobility scooter on a flight?

    Yes — and this is one of the most valuable things to know. If you use a wheelchair, mobility scooter, or walking frame, you are legally entitled to transport up to two items of mobility equipment in the aircraft hold, completely free of charge. These do not count towards your baggage allowance.

    What you need to do: tell your airline when you book, and provide the dimensions and battery type if you have an electric scooter. Battery regulations mean electric mobility scooters need more advance notice. Manual wheelchairs can typically be taken to the aircraft steps and will be placed in the hold there, ready for you on arrival.

    A practical tip worth knowing: attach a bright luggage tag or coloured ribbon to your wheelchair before it goes into the hold. It helps staff spot it quickly on the carousel or in the baggage area, and reduces the risk of delays or mix-ups on arrival.

    What are your rights if the airport or airline fails to help you?

    If you requested assistance in advance and it was not provided — or fell well short of what you needed — you have the right to complain and seek redress. Start with a formal written complaint to your airline or the airport. If that does not resolve things, you can escalate to:

    • The Civil Aviation Authority (CAA) — the UK’s aviation regulator, which can investigate complaints about airlines and airports that fail disabled passengers
    • An approved Alternative Dispute Resolution (ADR) scheme such as CEDR, if your airline is a member — these can award compensation without you needing to go to court

    It is also worth knowing that the CAA publishes an annual Airline Accessibility Report, which ranks UK airlines on how well they serve passengers with disabilities. Checking it before you book can help you choose an airline with a good track record.

    Key takeaways

    • Airport special assistance is free and legally required at all UK airports — you do not need a visible disability to ask for it
    • Notify your airline at least 48 hours before your flight — ideally when you book
    • The Hidden Disabilities Sunflower lanyard is free to collect at any major UK airport and discreetly signals to staff that you may need extra time or support
    • You can carry up to two items of mobility equipment free in the hold — they do not count as baggage
    • If assistance falls short, complain first to the airline, then escalate to the Civil Aviation Authority
  • Are coach holidays still the best-value way to see Britain — and how do you avoid the hidden costs?

    Are coach holidays still the best-value way to see Britain — and how do you avoid the hidden costs?

    Coach holidays remain one of the most affordable and stress-free ways to explore Britain, with escorted breaks starting from around £169 per person including accommodation and travel. If you are 60 or over, a National Express Senior Coachcard gives you a third off scheduled coach fares — plus a £15 day return on midweek journeys booked at least three days ahead. This guide explains how coach holidays work, which operators to consider, and the one cost many people don’t notice until after they’ve booked.

    What is a coach holiday — and how is it different from a day trip?

    A coach holiday is an escorted, multi-day break where a luxury coach collects you — often close to home — and takes you to your destination with accommodation, most meals, and sometimes excursions included in the price. A driver and, on many breaks, a tour manager handle everything. You sit back, enjoy the scenery, and step off when you arrive.

    This is quite different from simply buying a coach ticket to travel somewhere independently. Holiday operators such as Shearings, Grand UK, National Holidays, and Leger Holidays offer all-inclusive packages covering hotel stays of two to seven nights — think the Lake District, Scottish Highlands, Torquay, or the Cotswolds. Because the price is all-in, budgeting is simple and there is no juggling of separate transport and accommodation bookings.

    How much does a coach holiday typically cost?

    Short UK breaks typically start from around £169 to £199 per person for a two- or three-night break, including coach travel, dinner, bed and breakfast. A week-long break to Scotland or Wales might cost £399 to £699 per person depending on the hotel grade and whether guided excursions are included.

    Prices are most competitive if you travel Monday to Thursday and book a few months in advance. Many operators also run last-minute offers for breaks departing within four to six weeks — worth checking if you are flexible about dates.

    What is the National Express Senior Coachcard — and is it worth buying?

    If you are 60 or over and want to travel independently by scheduled coach — rather than on an escorted package — the National Express Senior Coachcard is worth having. It costs £30 a year and gives you a third off Standard and Fully Flexible fares to hundreds of towns, cities and airports across the UK.

    The perk most people miss: on Tuesdays, Wednesdays and Thursdays, Senior Coachcard holders can buy a same-day return to most UK destinations for just £15 — as long as you book at least three days before travel. Airport routes are excluded. If you pay £30 for the card and use that midweek deal three times, you have already more than covered the cost.

    The Coachcard is for scheduled National Express services. You do not need it for escorted coach holidays — those are booked directly with the holiday operator at a package price.

    Which coach holiday operators are most popular in the UK?

    Several operators have been running UK coach holidays for decades. The best-known names are:

    • Shearings — one of the UK’s longest-established operators, with hundreds of UK and European breaks at varying price points
    • Grand UK — specifically designed for over-60s, with a reputation for smaller, more sociable groups and solo-friendly pricing
    • National Holidays — good range of value UK breaks with regional pick-up points across England, Scotland and Wales
    • Leger Holidays — includes themed breaks covering gardens, history and events, plus European tours
    • Caledonian Travel — Scotland-based, with particularly strong Scottish Highland itineraries

    All of the above are ABTA-bonded, which means your money is protected if the company runs into financial difficulty before your trip. Always look for the ABTA logo when booking with any operator you have not used before.

    What should you check before you book?

    Before committing to a coach holiday, it is worth asking four practical questions:

    • Where does the coach pick me up? Most operators offer regional pick-up points rather than a single central depot. Confirm your nearest stop is convenient before booking.
    • What meals are included? Most UK breaks include dinner, bed and breakfast. Lunches are almost always an extra cost.
    • Are excursions included or optional? Some operators include guided visits in the price; others charge separately. Read the itinerary carefully rather than assuming.
    • What is the cancellation policy? Look for a break that allows free cancellation up to a certain point, or consider the operator’s own holiday protection if offered.

    Are there hidden costs you might not spot until after booking?

    The biggest one is the single supplement. Coach holidays are almost always priced per person sharing a twin or double room. If you are travelling alone, most operators charge an additional fee — typically 30% to 50% of the per-person price — to cover the cost of a single room. This can substantially change the total.

    Grand UK is one of the few operators that actively caters to solo travellers and tends to keep single supplements lower than the industry norm. If you are travelling alone, always compare the total cost including the single supplement across two or three operators before deciding.

    Other costs to be aware of: tipping the driver at the end of the trip is traditional — £2 to £3 per person per day is the norm. Entrance fees to some attractions may not be included even if the visit is on the itinerary. And travel insurance is never provided — you will need to arrange your own before departure.

    When is the best time of year to book a UK coach holiday?

    May, June and September tend to offer the best combination of weather, value and availability. Prices are lower than July and August peak season, popular destinations such as the Cotswolds, Lake District and Scottish Highlands are less crowded, and the days are long enough to make the most of any excursions.

    If you are happy to be flexible and travel midweek, you will almost always get a better rate than weekend departures. For late summer 2026, several operators already have limited availability on popular breaks, so if a September trip appeals, now is a good time to look.

    Key takeaway

    Coach holidays offer genuine value — especially if you check what is included, compare the single supplement if you are travelling alone, and book midweek in May, June or September. The National Express Senior Coachcard (£30 a year, for over-60s) is worth adding if you also make independent coach journeys — the £15 midweek day return deal alone covers the cost quickly. Always book with an ABTA-bonded operator, and do not forget to arrange your own travel insurance before you go.

  • Are you paying too much for your broadband — and could a social tariff save you over £200 a year?

    Are you paying too much for your broadband — and could a social tariff save you over £200 a year?

    Yes — if you receive Pension Credit, Universal Credit, or certain other means-tested benefits, you can switch to a broadband social tariff and pay as little as £12 to £15 a month. That is a saving of more than £200 a year compared with a standard broadband deal. Around 4.2 million UK households are eligible — but fewer than one in ten have made the switch, mostly because they simply do not know these deals exist.

    What is a broadband social tariff — and why is it so different from a normal deal?

    A broadband social tariff is a specially discounted internet package offered by major providers to households on qualifying benefits. They are not advertised as prominently as standard deals — you will rarely see them in comparison sites’ main results — but they are real, they are widely available, and Ofcom, the UK’s telecoms regulator, actively encourages providers to offer them.

    There are two things that make social tariffs genuinely different from ordinary broadband deals. First, the price: packages start at around £12 a month, compared with a typical standard deal of £35 to £45 a month. Second, your price is protected — social tariffs are not subject to the annual mid-contract price rises that catch most broadband customers out every April. What you sign up for is what you pay.

    Who qualifies for a broadband social tariff?

    You are likely to be eligible if you or your partner currently receive any of the following benefits:

    • Pension Credit
    • Universal Credit
    • Employment and Support Allowance (ESA)
    • Jobseeker’s Allowance (JSA)
    • Income Support

    Some providers — including Hyperoptic, KCOM and Vodafone — also extend their social tariffs to people receiving Personal Independence Payment (PIP) or Attendance Allowance, even though these are not means-tested benefits. It is always worth asking your current provider whether you qualify, even if you are not on the standard list.

    Which providers offer a social tariff — and how much does each one cost?

    More than 40 broadband providers now offer social tariffs across the UK. The best option for you will depend on where you live. Here are the main providers with national or near-national coverage:

    • BT Home Essentials — £15 a month for 36 Mbps, on a 12-month contract. Available almost everywhere in the UK via the Openreach network. A solid choice if you want reliability and wide coverage.
    • Virgin Media Essential — £12.50 a month for 15 Mbps, rolling monthly contract. Available to over half of UK addresses. The speed is more than enough for browsing, email and video calls.
    • EE Basics — £12 a month for 25 Mbps. Available widely on the BT/Openreach network.
    • Vodafone Essentials — £12 a month for 38 Mbps, no contract lock-in. Good speed for the price.
    • Hyperoptic Fair Fibre — £12 a month for 50 Mbps. Available in around 64 towns and cities across England, Scotland and Wales.

    For the full list of every provider and their latest prices, visit the Ofcom social tariffs page at ofcom.org.uk — it is kept up to date and covers all 40-plus providers.

    Can you switch to a social tariff even if you are in the middle of a contract?

    Yes — and this is the part most people do not realise. Ofcom has confirmed that if you are switching to a social tariff because you receive a qualifying benefit, your current broadband provider cannot charge you an exit fee. You are allowed to leave your existing contract early, without penalty, to move onto a discounted deal you are entitled to.

    Start by contacting your current provider. Some — including BT and Virgin Media — verify your eligibility electronically through DWP data, so you may not need to provide any paperwork at all. Others will ask for a screenshot or letter showing your benefit entitlement, along with your National Insurance number.

    How do you apply — and how long does it take?

    The process is simpler than most people expect. You can apply online through your chosen provider’s website, or by calling their customer service line — many have a dedicated social tariff team. You will typically need:

    • Your National Insurance number
    • Proof of your qualifying benefit — a letter from DWP or a screenshot of your benefit portal is usually enough

    Most applications are approved within 30 days. Your eligibility is then re-checked annually — but if you remain on the qualifying benefit, you simply stay on the deal. There is no annual contract renewal or sudden price jump to worry about.

    What if your current provider does not offer a social tariff?

    If your current provider does not have a social tariff — or their price is higher than a competitor’s — you are free to switch. Broadband switching has become much simpler since Ofcom’s One Touch Switching rules came into force. You contact the new provider, and they handle the switch on your behalf. You no longer need to cancel with your old provider first, and there are no awkward phone calls trying to get out of a contract.

    If you are unsure which providers cover your postcode, the Ofcom social tariffs comparison page lets you check coverage in your area. You can also call Ofcom’s consumer helpline on 0300 123 3333 if you would like guidance before you apply.

    Are there social tariffs for mobile phones as well as home broadband?

    Yes. If you mainly use mobile data rather than home broadband, there are social tariffs for SIM-only mobile plans too. O2’s Essential Plan offers 10GB of data, unlimited calls and texts for £10 a month on a rolling contract. SMARTY — which runs on Three’s network — offers unlimited data for £12 a month. VOXI For Now, on Vodafone’s network, offers unlimited social media data for £10 a month.

    These mobile social tariffs use the same qualifying benefits as broadband tariffs. If you receive Pension Credit, you may well be eligible for both a cheaper home broadband deal and a discounted mobile plan at the same time.

    Key takeaway

    If you receive Pension Credit, Universal Credit, or another qualifying benefit, you are very likely entitled to a broadband social tariff starting at around £12 to £15 a month — saving £200 or more a year. Millions of eligible people are still paying full price simply because they did not know these deals existed. You can switch even mid-contract without paying exit fees. Start by checking the full list of providers at ofcom.org.uk/phones-and-broadband/saving-money/social-tariffs, or call your current provider and ask directly whether they offer a social tariff you qualify for.

  • Can a landlord still make you leave your rented home without a reason — and what does the Renters’ Rights Act mean for you?

    Can a landlord still make you leave your rented home without a reason — and what does the Renters’ Rights Act mean for you?

    Quick answer: No — since 1 May 2026, private landlords in England can no longer evict you without giving a legal reason. The Renters’ Rights Act 2025 has abolished “no-fault” evictions, capped rent increases to once a year, banned discrimination against benefit claimants, and given tenants new rights around pets and deposits. If you rent your home privately, you are significantly better protected than you were even a year ago.

    Why does this matter so much if you are renting in your 50s, 60s or beyond?

    More people over 55 are renting privately than ever before. The number of households in this age group living in the private rented sector has grown by 70% since 2010 — nearly 870,000 households across England are now headed by someone aged 55 or over who rents their home.

    Many of those households have been renting the same property for years. Yet until very recently, all of that could be ended with two months’ notice and no explanation required. For someone in their 60s or 70s who has built their life around a home, that kind of insecurity can be genuinely frightening.

    The Renters’ Rights Act 2025 changes that picture substantially. Understanding what you are now entitled to is worth a few minutes of your time — especially since 42% of older private renters say they struggle to meet the cost of bills or essentials.

    Has “no-fault” eviction really been abolished — and what does that mean in practice?

    Yes. From 1 May 2026, Section 21 no longer exists in England. A Section 21 notice was the legal tool that allowed landlords to end a tenancy without giving any reason — sometimes called a “no-fault eviction” because no fault on the tenant’s part was needed.

    If your landlord now wants you to leave, they must serve a Section 8 notice and prove one of a specific list of legal grounds. These include things like significant rent arrears, antisocial behaviour, or the landlord genuinely needing to sell the property or move a close family member in. Crucially, they must give you four months’ notice in most circumstances — you only need to give two months’ notice if you want to leave.

    If you receive a notice that looks like a Section 21, it is unlawful. Contact Shelter (shelter.org.uk) or Citizens Advice straight away — they can help you challenge it for free.

    What has happened to fixed-term tenancies?

    Fixed-term assured shorthold tenancies — where you sign up for six or twelve months — have also been abolished. All private tenancies in England are now “periodic”, meaning they continue month by month until either you or your landlord ends them following the correct legal process.

    If your existing tenancy had a fixed end date, it automatically became a periodic tenancy on 1 May 2026. You do not need to sign a new agreement. This is actually good news: your tenancy cannot simply “expire” and leave you in a rushed scramble to find somewhere new.

    How do rent increases work under the new rules?

    Your landlord can only raise your rent once every twelve months. They must give you at least two months’ written notice before any increase takes effect.

    Importantly, if you think a proposed increase is unreasonable, you have the right to challenge it at the First-tier Tribunal (Property Chamber) — a free service. The tribunal can cap the increase at the local market rate. It cannot set the rent higher than what your landlord has proposed, so challenging an increase carries no risk of making things worse.

    Before May 2026, some landlords used the threat of a Section 21 notice to pressure tenants into accepting steep rent rises. With that threat now gone, you are in a much stronger position to push back if an increase seems unfair.

    What are your new rights around pets, deposits, and paying rent in advance?

    Several practical changes came in alongside the headline eviction reforms:

    • Pets: You now have the right to request permission to keep a pet. Your landlord can only refuse for a reasonable and specific reason — a blanket ban on pets is no longer acceptable. They may ask you to take out pet damage insurance as a condition.
    • Rent in advance: Landlords can no longer demand more than one month’s rent before you move in. Previously some asked for six weeks upfront, which could be a significant barrier.
    • Bidding wars banned: Properties must now be advertised at a fixed asking price. Landlords and agents cannot ask for, encourage, or accept offers above that price — so if you see a home you want to rent, you know the price is the price.

    Are you protected if you receive benefits — or if your landlord has refused to rent to you because of them?

    Yes — and this is one of the most significant changes for many people over 55. It is now illegal for a landlord or letting agent to discriminate against you because you receive Housing Benefit or other means-tested benefits such as Universal Credit. It is also illegal to refuse to rent to someone because they have children.

    Adverts that said “no DSS” or “no benefit claimants” were already being challenged in courts before this law — now the ban is explicit and enforceable. If you believe you have been turned down for a tenancy on these grounds, you can report it to your local council’s housing enforcement team.

    What should you do if your landlord has not given you an information sheet about your rights?

    All private landlords in England were required to give their existing tenants a copy of The Renters’ Rights Act Information Sheet 2026 by 31 May 2026. If you have not received one, you can download it directly from GOV.UK by searching “Renters Rights Act information sheet”. Landlords who failed to provide it could face a fine of up to £7,000.

    If you are unsure about your rights, think your landlord is not following the new rules, or have received any kind of eviction notice, get free advice as soon as possible:

    • Shelter: shelter.org.uk — free housing advice online, by phone (0808 800 4444), or in person at local offices
    • Citizens Advice: citizensadvice.org.uk — free, local, and covers benefits, housing, and legal rights
    • Your local council: most councils have a housing enforcement team for private rented sector complaints

    Key takeaway

    The Renters’ Rights Act is the biggest shake-up in private rental law for a generation. Your landlord now needs a legal reason to ask you to leave, rent rises are limited to once a year with two months’ notice, discrimination against benefit claimants is illegal, and you have new rights around pets and deposits. If anything feels wrong with how your landlord is treating you, the law is now firmly on your side — and free help from Shelter or Citizens Advice is just a phone call away.

  • What is Attendance Allowance — and could you be missing out on up to £114 a week?

    What is Attendance Allowance — and could you be missing out on up to £114 a week?

    Attendance Allowance is a tax-free weekly payment of £76.70 or £114.60 (from April 2026) for people who have reached State Pension age and need help with personal care because of a physical or mental health condition. It does not matter how much you earn or have in savings — it is paid on the basis of need alone. Around 1.6 million people in the UK receive it, but many more are eligible and simply do not know.

    What is Attendance Allowance — and who is it for?

    Attendance Allowance is a benefit provided by the Department for Work and Pensions (DWP) to help with the extra costs that come with needing personal care. Despite its name, it is not about whether someone attends a day centre or receives formal care — it is about whether your health condition means you need help with things like washing, dressing, eating, using the toilet, or keeping safe.

    You can claim it whether you live alone, with family, or with a partner. You do not have to be receiving care from anyone at the time you apply — in fact, many people who live alone and simply struggle to manage qualify. The key question the DWP asks is: would you need help if it were available?

    To qualify you must be at or above State Pension age (currently 66), have needed help for at least six months because of a physical or mental health condition or disability, and normally live in England, Scotland or Wales. (Scotland has its own version, called Pension Age Disability Payment, which is being rolled out to replace Attendance Allowance for new Scottish claimants.)

    How much could you get — and which rate applies to you?

    From April 2026, Attendance Allowance is paid at two rates:

    • Lower rate: £76.70 per week — if you need help with personal care during the day or at night
    • Higher rate: £114.60 per week — if you need help with personal care both during the day and at night, or if you have a terminal illness

    The higher rate works out at around £496 a month — money that can go a long way toward help at home, equipment, or simply easing the cost of living with a health condition. Both rates are tax-free and paid directly into your bank account every four weeks.

    One thing many people do not realise: if you are terminally ill, you automatically qualify for the higher rate and your claim is fast-tracked. You do not need to have needed help for six months.

    What conditions qualify — and does your condition count?

    There is no set list of qualifying conditions. What matters is how your condition affects you, not what the diagnosis is. People with the following conditions are among those who commonly qualify:

    • Arthritis, joint pain, or mobility problems
    • Heart disease or breathlessness conditions
    • Diabetes, especially where it affects eyesight or circulation
    • Dementia or memory problems
    • Depression, anxiety, or other mental health conditions
    • Falls risk or balance problems
    • Chronic pain conditions

    You do not need a formal care package or a GP referral to claim. However, a letter from your GP, specialist, or district nurse explaining your diagnosis and the impact on your daily life can significantly strengthen your application.

    How do you claim Attendance Allowance?

    There is an important trick that many people miss: phone the Attendance Allowance helpline to request your form rather than downloading it. If you phone 0800 731 0122 (Monday to Friday, 8am to 6pm), your claim date is recorded as the day of your call — as long as you return the completed form within six weeks. If you download the form instead, your claim date is only the day the DWP receives your completed form. That difference could cost you weeks of payments.

    The form is the AA1, which runs to around 32 pages. Most of it is straightforward — your personal details, health conditions, and medications. The section that determines your award is the one asking how your conditions affect your daily life, and this is where many claims succeed or fail.

    If you would like help completing the form, Citizens Advice, Age UK, or your local council’s welfare rights team will help you for free. They know how to present information in a way that gives your claim the best chance.

    What is the most important thing to get right on the form?

    More claims are refused or under-awarded because of how the form is filled in, not because the person genuinely did not qualify. The single most common mistake is understating your difficulties.

    When you describe how your condition affects you, always describe a bad day — not your best day or an average day. The DWP wants to understand the full range of your experience, including the days when things are harder.

    Instead of writing: “I manage to get dressed but it takes a while” — try: “On a bad day it takes me over an hour to get dressed. I cannot manage buttons or fasten my bra and need my daughter to help. Some days I am too fatigued to attempt it at all.”

    Be specific about time, frequency, and the help you actually need — or would need if it were available. If you go without help rather than asking for it, say so. If something takes much longer than it would for a healthy person, say how long. If there are times you simply cannot do something at all, say when and how often it happens.

    What else can Attendance Allowance unlock?

    Receiving Attendance Allowance can trigger other entitlements — which is another reason it is worth claiming even if you are not sure your care needs are “serious enough”.

    • Pension Credit top-up: If you already receive Pension Credit, Attendance Allowance can increase your entitlement through the severe disability addition.
    • Council Tax reduction: Some councils offer a council tax discount if you or someone in your household receives Attendance Allowance — contact your local council to check.
    • Carer’s Allowance for your carer: If someone cares for you for at least 35 hours a week, receiving Attendance Allowance can mean they become eligible for Carer’s Allowance of £86.45 a week.
    • Help with care costs: Local authority means tests for social care funding can look more favourably on your situation once Attendance Allowance is in payment, as it is disregarded as income in some calculations.

    In short, claiming Attendance Allowance is rarely just about the Attendance Allowance itself — it can open doors to a wider package of support.

    Key takeaways

    • Attendance Allowance pays £76.70 or £114.60 a week from April 2026 — tax-free, with no means test
    • You must be at State Pension age (66+) and have had care needs for at least six months
    • Phone 0800 731 0122 to start your claim — your start date is the day of your call, not the day the form arrives
    • Always describe your worst days on the form, not your best — and be specific about time and frequency
    • Getting Attendance Allowance can also increase Pension Credit, help your carer claim Carer’s Allowance, and trigger a council tax reduction
  • What is a deputyship order — and how do you take over someone’s affairs if they have no Lasting Power of Attorney?

    What is a deputyship order — and how do you take over someone’s affairs if they have no Lasting Power of Attorney?

    If a family member loses mental capacity and never made a Lasting Power of Attorney (LPA), you cannot simply take over their finances or healthcare decisions — even as their closest relative. The legal route is a deputyship order from the Court of Protection. Applications cost around £421, typically take six to eight months, and come with ongoing responsibilities — but they are the only proper way to manage a loved one’s affairs when no LPA exists.

    Why can’t you just take over when a family member loses mental capacity?

    This is one of the most common — and most distressing — surprises families face. Many people assume that because they are a spouse, adult child, or next of kin, they have the right to manage a loved one’s bank account, deal with their pension, or make decisions about their care. Legally, you do not.

    Banks, pension providers, and local councils cannot take instructions from you unless you hold a formal legal authority. Without it, they are required to refuse — even if the person is your partner of 40 years. The authority you need is either a Lasting Power of Attorney (LPA), which must be set up while the person still has mental capacity, or a deputyship order, granted by the Court of Protection after capacity has been lost.

    What is a deputyship order?

    A deputyship order is a legal document issued by the Court of Protection — a specialist court that protects people who lack the mental capacity to make their own decisions. The court appoints you (or another person) as a deputy, giving you the authority to act on the person’s behalf in the areas the order specifies.

    Deputies are supervised by the Office of the Public Guardian (OPG) and must act strictly in the best interests of the person they represent, following the principles of the Mental Capacity Act 2005. The OPG monitors deputies regularly and can investigate complaints.

    What are the two types of deputyship?

    There are two distinct types of deputyship, and you may need one or both depending on your situation:

    • Property and financial affairs deputy — covers bank accounts, bills, benefits and pension claims, buying or selling property, investments, and managing tax affairs. This is the most commonly needed type.
    • Personal welfare deputy — covers decisions about day-to-day care, where the person lives, and consent to medical treatment. Courts grant this type less often, because carers and medical professionals can make many day-to-day decisions under the Mental Capacity Act without a formal deputy.

    If you need both types, you can apply for them together in a single application.

    How do you apply — and what forms do you need?

    The application goes to the Court of Protection and requires three official forms:

    • COP1 — the main application form
    • COP1B — a supporting statement explaining why the deputyship is needed
    • COP3 — a formal assessment of capacity, completed by a medical professional such as a GP, psychiatrist, or social worker

    Before submitting, you are legally required to notify at least three people who are close to the person — family members, close friends, or others with a significant relationship — and allow 14 days for any objections before lodging the application.

    All forms are available on GOV.UK (search “become a deputy”). The application can be submitted by post or, in some cases, electronically. Many families choose to use a solicitor, particularly if the person’s estate is complex — but it is entirely possible to do it yourself if the situation is straightforward.

    How long does it take — and what does it cost?

    This is where deputyship differs sharply from an LPA, and it is one of the strongest reasons to encourage loved ones to set up an LPA while they still can.

    • Court application fee: £421 (2026 rate)
    • Annual OPG supervision fee: £320 per year for general supervision, or £35 for small estates under £21,000
    • Security bond: an insurance-style bond most deputies must hold, costing roughly £100–£200 per year depending on the size of the estate
    • Total first-year cost: typically £1,000–£1,500 including fees, bond, and any legal help
    • Timeline: six to eight months for straightforward applications; longer if the application is contested or documents are incomplete

    For comparison: registering an LPA currently costs £82 per document (£164 for both types), takes around 20 weeks, and never needs renewing. The difference in cost and waiting time — at exactly the most stressful point in a family’s life — is significant.

    What are your ongoing responsibilities once you become a deputy?

    Being appointed as a deputy is not a one-off event. You take on a set of continuing legal duties for as long as you hold the role:

    • Annual report to the OPG: on the anniversary of your deputyship order each year, you must submit a detailed report covering all decisions made, income and expenditure, any property transactions, visits made to the person, and compliance with the security bond.
    • Acting in their best interests: every decision must be made for the benefit of the person — not for your own convenience or that of other family members.
    • Keeping clear records: the OPG can audit your financial records at any time. Keep receipts and a running log of all transactions.
    • Maintaining the security bond: this must remain in place for the entire time you serve as deputy.

    If you need to step down — because of your own health, a move abroad, or any other reason — you can apply to the Court of Protection to be replaced by someone else.

    Is there anything you can do while waiting for the deputyship order to come through?

    Six to eight months is a long time when a family member urgently needs support. Here are some practical steps you can take while the court process is under way:

    • Notify the DWP and your local council that the person can no longer manage their own affairs. State pension and benefits can continue to be paid into their account while you wait.
    • Ask their bank about the appointee process, which allows someone to manage benefits payments on behalf of a person who lacks capacity. This is separate from — and simpler than — deputyship, but is limited to benefits only.
    • Contact your local authority’s social services team. They have a duty of care and can help arrange urgent care needs while the legal process is ongoing.
    • In genuine emergencies — for example, a household bill about to go into default — you can apply to the Court of Protection for an urgent or interim order. This is not routine, but the court can act quickly when the situation demands it.

    What are the key things to remember?

    • Without an LPA or deputyship order, no one — not even a spouse — has the automatic legal right to manage another person’s finances or healthcare when they lose mental capacity.
    • A deputyship order from the Court of Protection is the formal route when no LPA exists. It costs around £421 to apply and takes six to eight months.
    • There are two types: property and financial affairs (the most common), and personal welfare.
    • As a deputy, you must submit an annual report to the Office of the Public Guardian and keep clear financial records throughout.
    • The best way to avoid needing deputyship is to set up an LPA now, while you and your loved ones still have mental capacity. Read our guide: How do I set up a Lasting Power of Attorney — and why should I do it now?
  • Can you still get affordable travel insurance if you have a pre-existing medical condition?

    Can you still get affordable travel insurance if you have a pre-existing medical condition?

    Yes — having a pre-existing health condition does not have to stop you getting travel insurance. Most people with conditions ranging from diabetes to heart disease can still find cover, though premiums may be higher or specific conditions may be excluded from the policy. The golden rule is always to declare everything honestly, shop around using specialist comparison sites, and use the two free government-backed helplines if mainstream insurers cannot help. New rules that took effect in January 2026 have also strengthened your right to be pointed towards specialist cover.

    What counts as a pre-existing condition for travel insurance?

    A pre-existing condition is any health issue you were aware of, diagnosed with, or receiving treatment for before you took out your travel insurance policy. This includes conditions that are well-managed and stable — not just serious or recent problems.

    You typically need to declare things like:

    • Heart conditions, including angina, previous heart attacks, or stents
    • Diabetes (type 1 or type 2)
    • High blood pressure or high cholesterol
    • Cancer, even if you are in remission
    • Respiratory conditions such as asthma or COPD
    • Mental health conditions including depression and anxiety
    • Recent surgery or planned procedures

    If you are not sure whether to declare something, declare it anyway. The cost of a higher premium is far less than having a claim refused when you most need it.

    Why does it matter so much to be honest with your insurer?

    This is where many people come unstuck. Research by the Association of British Insurers found that only one in five people understood they need to declare a pre-existing condition when buying travel insurance. If you do not disclose a condition and then need medical treatment abroad related to it, your insurer will almost certainly refuse the claim.

    When you make a claim, insurers can — and do — request access to your medical records. A trip to hospital in Spain for a heart episode when you never declared your angina will not be paid out, potentially leaving you with bills running into tens of thousands of pounds.

    The good news is that declaring honestly rarely means being refused outright. More often, it means a higher premium, or that the specific condition is excluded while everything else is covered. You can then decide whether that arrangement works for you.

    How have the rules changed in 2026 — and what are you now entitled to?

    If an insurer cannot offer you cover at all, or if your condition adds more than £200 to your premium, they are now legally required under rules overseen by the Financial Conduct Authority (FCA) to direct you to one of two specialist directories. This trigger point was raised from £100 to £200 in January 2026, meaning only people who genuinely need specialist help are referred — but when they are, the referral is mandatory.

    The two directories are completely free to use, and you can also contact them directly without waiting to be referred by an insurer:

    • British Insurance Brokers’ Association (BIBA) — call 0370 950 1790 (Monday to Friday, 9am to 5:30pm). They can connect you with specialist brokers experienced in complex medical cases.
    • MoneyHelper — call 0800 138 7777 (free). This is the government’s Money and Pensions Service, and their directory lists insurers who specifically cover travellers with medical conditions.

    Which insurers specialise in covering people with health conditions?

    A number of insurers focus specifically on travellers with pre-existing conditions and do not impose maximum age limits on new customers. These include AllClear, Staysure, Saga, Just Travel Cover, Free Spirit, InsureandGo, and Co-op Insurance. This matters because some mainstream insurers quietly stop accepting new customers once they reach 65 or 70, so checking the small print is essential.

    If you are in your 60s, the picture is more reassuring than many people realise. Research by Which? found that a 60-year-old still has access to around 94% of the annual multi-trip policies available on comparison sites. Even at 79, there are typically more than 100 single-trip policies to choose from. Access does narrow with age, but it is far from disappearing.

    For comparing specialist options, try Medical Travel Compared (medicaltravelcompared.co.uk) alongside mainstream comparison sites. It focuses specifically on policies for people with medical conditions and often surfaces deals that standard sites miss.

    How can you bring the cost down without cutting the cover you actually need?

    Premiums for people with pre-existing conditions can feel steep, but there are genuine ways to reduce them without taking on unnecessary risk:

    • Get a free Global Health Insurance Card (GHIC) — this replaced the old EHIC card after Brexit and entitles you to medically necessary treatment in EU countries at local cost. Many insurers will offer a lower premium if you hold one, because it reduces their potential bill. Apply free at GHIC.org.uk.
    • Consider single-trip cover if you only travel once a year — annual multi-trip policies save money for frequent travellers but not if you only go away once.
    • Raise your excess — agreeing to pay more yourself in the event of a claim usually brings the premium down noticeably.
    • Strip out add-ons you will not use — gadget cover, car hire excess insurance, and winter sports cover all add cost. Only pay for what is genuinely relevant to your trip.
    • Check MoneySavingExpert — their travel insurance guide for people with medical conditions is updated regularly and highlights the best-value specialist deals.

    What practical steps should you take before you travel?

    Once your cover is in place, a few simple steps will make any potential claim much smoother:

    • Keep all medication in its original packaging and carry a letter from your GP explaining what it is and why you take it — particularly important if you travel with injectable medication or controlled drugs.
    • Make sure your GHIC card is current before you leave. Renewal is free and takes minutes at GHIC.org.uk.
    • Save your insurer’s 24-hour emergency assistance number in your phone before you travel — not after something has gone wrong.
    • Tell your insurer straight away if you receive a new diagnosis or change of treatment between buying the policy and travelling. Failing to update them can invalidate your cover just as surely as not declaring in the first place.
    • Know your NHS number — some overseas emergency helplines and hospitals will ask for it when arranging repatriation or verifying your cover.

    What is the key takeaway?

    A health condition does not have to mean staying at home. Always declare every condition honestly — it is the only way to make sure your cover will actually pay out when you need it. If mainstream insurers cannot help or add more than £200 to your premium, call BIBA on 0370 950 1790 or MoneyHelper on 0800 138 7777 — both are free and can connect you with specialist cover. Getting your free GHIC card and comparing prices on Medical Travel Compared as well as mainstream sites gives you the best chance of finding cover that is both affordable and genuinely comprehensive.

  • What built-in settings on your smartphone could make it so much easier to use?

    What built-in settings on your smartphone could make it so much easier to use?

    Your smartphone almost certainly has free built-in settings that can make text easier to read, calls easier to hear, and tapping easier if arthritis is an issue. You don’t need a new phone or any downloads — these accessibility features are already there, hidden in your Settings app, and adjusting them could transform how you use your phone every day.

    Why do so many people put up with a phone that feels harder than it should be?

    Most people assume that if their phone is difficult to use — the text is too small, calls are hard to hear, or they keep accidentally tapping the wrong thing — that’s just how it is. Either they need a bigger phone, or their eyesight is getting worse, or technology simply isn’t for them.

    None of that is true. Every modern smartphone sold in the UK comes with a range of accessibility settings designed precisely for people who find the default setup uncomfortable. The problem is that nobody tells you they’re there. Phone manufacturers bury them inside settings menus, and the staff in phone shops rarely mention them.

    A 2026 survey by AARP found that 9 in 10 adults aged 50 and over now own a smartphone — but many use only a fraction of what the device can do, struggling with tasks that a simple setting change could fix in minutes.

    How can you make the text bigger and easier to read?

    This is the most common complaint — and the easiest fix. Both iPhone and Android let you increase text size across the entire phone, so everything from your messages to your emails to your browser displays in larger, clearer letters.

    On iPhone: Go to Settings → Accessibility → Display & Text Size → Larger Text. Turn on “Larger Accessibility Sizes” and drag the slider to your preferred size. While you’re there, switching on Bold Text makes everything noticeably crisper and easier to scan.

    On Android: Go to Settings → Accessibility → Display Size and Text (the exact wording varies by manufacturer — look for “Font size” or “Text size”). Drag the slider and you’ll see an instant preview on screen before you confirm.

    You can also increase the overall display size — not just text but icons, menus and buttons — using Display Size on Android, or Zoom on iPhone under Settings → Accessibility → Zoom.

    What can you do if the screen is too bright or tiring on your eyes?

    Bright white screens are particularly hard on eyes that are older or sensitive to light. Most phones now have a Night Shift (iPhone) or Night Light (Android) mode that shifts the screen to warmer tones in the evening, which many people find far easier on tired eyes.

    On iPhone, go to Settings → Display & Brightness → Night Shift. You can schedule it to switch on automatically at sunset — so you don’t need to remember. On Android, look for Night Light or Blue Light Filter under Display settings.

    If you find white backgrounds dazzling, Dark Mode — available on both iPhone and Android — switches the whole phone to a dark grey or black background with light text. Many people over 55 find this dramatically more comfortable, especially in low light or in bed. Try it: you can switch straight back if you don’t like it.

    Can your phone help if you find it hard to hear calls or notifications?

    Yes — and often more than you might expect. If the speaker feels too quiet even at full volume, a few settings changes can make a real difference:

    • Flash alerts — if you miss calls because you don’t hear the ringtone, you can set your phone’s camera flash to blink as a visual alert. On iPhone: Settings → Accessibility → Audio/Visual → LED Flash for Alerts. On Android: Settings → Accessibility → Hearing Enhancements → Flash Notification.
    • Phone noise cancellation — on iPhone, go to Settings → Accessibility → Audio/Visual and turn on Phone Noise Cancellation. This filters background noise during calls, making the other person easier to hear.
    • Hearing aid pairing — if you wear modern hearing aids, there’s a very good chance your phone can stream calls and audio directly into them via Bluetooth, giving you crystal-clear sound with no feedback or interference. iPhone has a specific “Made for iPhone” standard that many major brands — including Phonak, ReSound, Oticon and Starkey — now support. Go to Settings → Accessibility → Hearing Devices to pair them. On Android, search “Hearing aids” in your Settings app.

    What if arthritis or unsteady hands make tapping and typing a struggle?

    This is more common than most people let on, and the solutions built into your phone are genuinely effective.

    Voice control is the single most transformative option if your hands are the problem. You can tell your phone to open apps, send messages, make calls, set reminders and search the internet — all by speaking. On iPhone this is called Voice Control (Settings → Accessibility → Voice Control). On Android it’s called Voice Access, available free from the Play Store and then enabled under Settings → Accessibility.

    You can also adjust how the touchscreen responds to your touch:

    • Touch accommodation / hold duration — sets a short delay before the screen registers a tap, so accidentally brushing the screen doesn’t trigger anything. On iPhone: Settings → Accessibility → Touch → Touch Accommodations.
    • Ignore repeated touches — useful if a single intended tap sometimes registers as two or three in a row.
    • Wider keyboard — simply turning the phone sideways (landscape) often gives you a much bigger keyboard to type on. Both iPhones and Android phones support this in most apps.

    Where do you start — and does it matter whether you have an iPhone or an Android?

    The good news is that both types of phone have excellent accessibility features. You’re not missing out whichever you have. The settings are in slightly different places, but the features themselves are broadly comparable.

    The simplest starting point: open Settings on your phone and type “Accessibility” into the search bar at the top. This takes you straight to a dedicated menu, usually grouped into Vision, Hearing, and Interaction or Motor sections. You don’t need to read through everything — just find the section that applies to you and start there.

    If you’d like hands-on help, both Age UK and AbilityNet offer free one-to-one support where a volunteer will go through the settings on your specific phone with you. AbilityNet’s free helpline is 0800 048 7642 (Monday to Friday, 9am to 5pm). You don’t need to be technical — that’s exactly what they’re there for.

    Key takeaway

    You don’t need a new phone or a tech-savvy relative. Every smartphone sold in the UK already has free built-in settings for larger text, bolder fonts, dark mode, louder and clearer audio, flash alerts, hearing aid pairing, and voice control. Spend 10 minutes in Settings → Accessibility and your phone could become a very different — and much easier — device to live with.

  • What does the end of no-fault evictions mean for you — and how do the new Renters’ Rights Act protections work?

    From 1 May 2026, landlords in England can no longer evict you without a legal reason. The Renters’ Rights Act has abolished Section 21 — the “no-fault” eviction notice that allowed landlords to end a tenancy with just two months’ notice and no explanation. If you rent privately, you now have much stronger security in your home, along with new protections on rent increases and discrimination.

    What was Section 21 — and why did it cause so much anxiety?

    For decades, Section 21 of the Housing Act 1988 allowed landlords in England to end a tenancy without giving any reason at all. All they had to do was give two months’ notice, and you had to go — even if you had never missed a rent payment or caused any problems.

    For older people in particular, this was a source of real worry. Being uprooted from a home you have settled into — perhaps near family, your GP, or a support network — can have a serious impact on health and wellbeing. Research consistently shows that housing insecurity affects mental and physical health, and the threat of a Section 21 notice hung over millions of renters.

    What exactly changed on 1 May 2026?

    The Renters’ Rights Act came fully into force on 1 May 2026, bringing three significant changes for anyone renting privately in England:

    • Section 21 is abolished. Your landlord can no longer serve a no-fault eviction notice. If they want you to leave, they must have a legally recognised reason.
    • Fixed-term tenancies are replaced by rolling periodic tenancies. If you had a 12-month fixed-term agreement, it has automatically converted to a rolling tenancy. You do not need to sign a new contract.
    • Advance rent is capped at one month. Landlords can no longer demand three or six months’ rent upfront — a practice that often shut people on fixed incomes out of the private rental market.

    On what grounds can a landlord still ask you to leave?

    Your landlord can still end your tenancy — but only using one of the legally defined “Section 8” grounds, and only with proper notice. The most common grounds you are likely to encounter are:

    • Significant rent arrears — if you owe four or more weeks of rent, your landlord can give you four weeks’ notice.
    • The landlord wants to sell the property — they must give you four months’ notice, and cannot use this ground in the first 12 months of your tenancy.
    • The landlord or a close family member wants to move in — again, four months’ notice is required, and not in the first 12 months.
    • Serious anti-social behaviour or property damage — shorter notice periods apply in more serious cases.

    That four-month notice period for sale or move-in is a significant improvement on the old two months. In practice, it gives you much more time to find somewhere suitable — a genuine difference if you need accessible housing or have a specialist support network in the area.

    What happens if your landlord tries to raise your rent?

    The Act also puts clear limits on how and when your landlord can increase the rent:

    • Rent can only be increased once every 12 months.
    • Your landlord must give you at least two months’ written notice on an official form before any increase takes effect.
    • Any clause in your old tenancy agreement that allowed more frequent rent rises cannot be enforced under the new rules.

    If you think a proposed increase is unreasonable — for instance, a jump well above local market rents — you can challenge it at the First-tier Tribunal (Property Chamber). Crucially, your landlord cannot evict you for making that challenge. That protection removes a real fear that many people had under the old rules.

    Does the new law protect you if you claim Housing Benefit or Pension Credit?

    Yes. The Act includes a specific ban on so-called “No DSS” discrimination. Landlords can no longer refuse to rent to you, or try to end your tenancy, because you receive Housing Benefit, Pension Credit, or any other state benefit. This is now unlawful, and you can report it to your local council.

    The same protection applies if you have grandchildren or other family members living with you — a landlord cannot use that as a reason to refuse or evict.

    What should you do if your landlord breaks these new rules?

    If your landlord serves an eviction notice without a valid Section 8 ground, or gives you less notice than the law requires, the notice is invalid and you do not have to leave. Here is what to do:

    • Do not panic and do not leave immediately. An invalid notice has no legal force.
    • Contact Shelter England on 0808 800 4444 (free helpline) or visit Citizens Advice for free advice. Both can help you understand whether a notice is valid and what your options are.
    • Report it to your local council. Councils have new enforcement powers under the Act, including substantial fines for landlords who use unlawful eviction tactics.
    • Keep records. Save all written communications from your landlord. If the case goes to a tribunal or court, a paper trail is invaluable.

    What are the key things to remember?

    • Since 1 May 2026, your landlord in England cannot evict you without a legally recognised reason — Section 21 no-fault evictions are gone.
    • If they want to sell or move back in, they must give you four months’ notice — and cannot do so in the first 12 months of your tenancy.
    • Rent increases are limited to once a year, with two months’ written notice — and you can challenge an unfair rise at tribunal without fear of eviction.
    • You cannot be discriminated against for claiming Housing Benefit or Pension Credit.
    • If you receive any eviction notice, contact Shelter on 0808 800 4444 or Citizens Advice before you do anything else.