
Emma Lunn
Emma Lunn is a multi-award-winning journalist who specialises in personal finance and consumer issues. With more than 18 years’ experience in personal finance, Emma has covered topics including mortgages, first-time buyers, leasehold, banking, debt, budgeting, broadband, energy, pensions and investments. Emma’s one of the most prolific freelance personal finance journalists with a back catalogue of work in newspapers such as The Guardian, The Independent, The Daily Telegraph, the Mail on Sunday and the Mirror. As a freelancer she has also completed various in-house contracts at The Guardian, The Independent, Mortgage Solutions, Orange and Moneywise.
She also writes regularly for specialist magazines and websites such as Property Hub, Mortgage Strategy and YourMoney.com. She’s particularly proud of her work writing about the leasehold sector and a Guardian front-page story about a dodgy landlord. She has a real passion for helping people learn about money – especially when many people are struggling to get by in today’s challenging economic climate – and prides herself on simplifying complex subjects.
Latest articles by Emma Lunn
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Investing in student property doesn’t stack upFeatures Don’t be fooled by the attractive yields from investing in student property: the market doesn’t live up to the hype.
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New laws lean on landlordsFeatures Emma Lunn rounds up the latest news stories that affect property investors, landlords and homebuyers.
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Getting a UK mortgage as an expat
Features If you’re applying for a UK mortgage but live abroad, be prepared for a complicated process.
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An alternative to rent depositsFeatures Deposit-free renting promises to shake up the market, but does it really help? Emma Lunn reports.
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Should you get a mortgage from a robot?Features What do robo-mortgage advisers add to the process? Emma Lunn reports.
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MP takes on property developersFeatures Emma Lunn rounds up the property stories from the week that you might have missed.
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Beware of online property auctionsFeatures Property auctions can be useful, but contain pitfalls for the unwary. So make sure you know what you’re in for.
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Hidden cost of retirement homesFeatures Life in a retirement home can provide support and company for retirees, but watch out for extra fee add-ons.
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Landlords turn to incorporationFeatures A hostile tax environment has driven many landlords to register as a company.
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Don’t rush into equity releaseAdvice It’s becoming increasingly popular to release cash from your home, says Emma Lunn. But it’s still a risky move.
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New homes ombudsman will provide a helping hand for homeownersFeatures Prompted by shoddy new build houses, the government is to appoint a new homes ombudsman.
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Think twice before letting out spare rooms in your houseFeatures Airbnb seems to offer easy money for those with spare rooms to let out. But be aware of the rules.
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HMO landlords: prepare for new rulesFeatures The government is cracking down on overcrowded house shares. If you're an HMO landlord, make sure you’re up to date.
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Don’t fall for “fee-free” mortgagesFeatures A growing number of mortgage lenders are scrapping arrangement fees to lure in borrowers. But do the sums first, says Emma Lunn.
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Help is on its way for leaseholders wanting to buy their freeholdFeatures Changes in the law should soon make it easier for property leaseholders to buy their freehold. But until then, know your rights.
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Landlords turn to holiday letsFeatures Letting property out as a holiday home has tax advantages, but do your research thoroughly, says Emma Lunn.
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New protection for tenants and leaseholdersFeatures The government wants to prevent tenants and leaseholders being exploited by agents, says Emma Lunn.
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Duck the buy-to-let tax changeFeatures Using a limited company means higher-rate taxpayers can still get full tax relief on mortgage interest, says Emma Lunn.
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Trying times for buy-to-let landlordsFeatures Buy-to-let investors must keep on top of new government regulations as well as tax changes, says Emma Lunn.
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Residential funds: buying houses without the hassleFeatures With buy-to-let an increasingly unattractive option, residential funds may appeal to more investors, says Emma Lunn.
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Landlords must get to grips with mould under proposed new tenancy lawFeatures Tenants may soon have the right to sue landlords who let properties that aren’t fit for human habitation. That makes it more important than ever that landlords inspect properties regularly, fix defects, and keep accurate records, says Emma Lunn
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Court crushes leaseholders’ hopesFeatures Leaseholders have been dealt a blow after a court ruling failed to make it cheaper for people to extend their lease or buy a freehold. Emma Lunn reports.
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Winners and losers from leasehold banFeatures The government has announced a ban on new-build houses being sold as leasehold. Emma Lunn looks at who's set to lose out.
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Landlords: act quickly and pay your taxFeatures Whether a professional or an accidental landlord, you’ll need to complete a self-assessment tax return each year. Emma Lunn explains.
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