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The week's most important personal finance news, analysis and expert advice, from pensions and property to investment ideas and savings tips.

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By Sophie Smith personal finance reporter

Landlords are being unfairly blamed for the housing crisis, according to a hard-hitting report seen exclusively by Telegraph Money, which has called for a major overhaul of the way properties, particularly rental homes, are taxed.
The report argues that landlords are being “discriminated against” compared with owner-occupiers, as some will face an effective tax rate of more than 100pc after 2021, when tough new rules fully take effect.
Reforming the way landlords are taxed was the brainchild of former chancellor George Osborne. Between 2017 and 2021, the once favourable tax regime is being replaced with much stricter rules. But don't give up yet: try these four tricks to beat the crippling tax rises.
According to the Residential Landlords Association, one in four buy-to-let investors intends to sell at least one property in the next year because of the Government’s tightening of the tax rules. So should they invest instead in a new type of property fund that will take away all the trouble of managing tenants, offer better tax breaks and deliver better returns? Jonathan Jones looks at the pros and cons of special type of fund called a real estate investment trust (Reit).
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You have the last word...

James Barr said about Stamp duty could make me a last-time buyer in my 30s: "Stamp duty should be abolished. You save money for a deposit, money which has already been taxed, to see it taxed again because you invest in the economy. 'Government' is out of control and needs to be drastically reduced."
Peter Robinson said about Why selling a classic car could open you up to a HMRC investigation: "I guess it's easier than getting Amazon, Google, Facebook et al to pay their fair share."
Derry Smith said about 'Daughter's house purchase at risk after Lloyds lost my 45,000 gift': "I worked for Lloyds for a short time, at one of their processing centres. The attitude of management was that the customers were stupid, no complaints were ever valid, and that the aim of the bank was to employ even more managers. Their systems were antiquated, and staff had to access several applications just to find the simplest information. Needless to say, I use First Direct, as they treat customers best."

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