World’s Most Complete Property Abbreviations and Acronyms List – over 200

I've had a number of times that students have asked me "What does XYZ mean"* so I thought I would bring together a list of all the abbreviations from the world of property investing so you can speak like a pro

(* Before you check XYZ is not a property abbreviation) 


AF - Angel Finance
AIP - Application / Agreement in Principle
AML - Anti Money Laundering
AP - Adverse Possession
APR - Annual Percentage Rate
ARLA - Association of Residential Letting Agents
AS - Assisted Sale
ASHP - Air Source Heat Pump
AST - Assured Short Hold Tenancy
AT - Assured Tenancy (Agreement)

B2F - Buy to Flip
BACS - Bankers' Automated Clearing Services
BBL - Bounce Back Loan
BMRV - Below Mortgage Redemption Value
BMV - Below Market Value
BOE - Bank Of England
BRMV - Broad Rental Market Area
BRR - Buy Refurb Refinance 
BRRRR - Buy, Refurb, Rent, Refinance, and Repeat
BRRRRRRR - It's Cold
BTL - Buy To Let
BTS - Buy To Sell

CBIL - Coronavirus Business Interruption Loan 
CDM - construction design and management regulations 2015
CGT - Capital Gains Tax
CH - Central Heating
CHAPS - Charter House Automated Payment System
CIL - Community Infrastructure Levy
CML - Council Mortgage Lenders
COCR - Cash On Cash Return
CP12 - Gas Safety Certificate (the name of the form)
CPO - Compulsory Purchase Order
CRM - Capital Repayment Mortgage
CT - Council Tax

DD - Due Diligence
DG - Double Glazing
DIP - Decision in Principle
DLA - Disability Living Allowance
DPC - Damp Proof Course
DPM - Damp Proof Membrane
DPS - Deposit Protection Service
DTV - Direct To Vendor
DUV - Done Up Value 

EA - Estate Agent
EBITDA - Earnings Before Interest, Taxes, Depreciation, and Amortization. 
EDC - Exchange with a Delayed Completion
EDMO - Empty Dwelling Management Order
EIA - Enviormantal Impact Assesssment 
EICR - Electrical Installation Condition Report
EPC - Energy Performance Certificate
ERC - Early Repayment Charges

FCA - Financial Conduct Authority
FENSA - Fenestration Self Assessment Scheme
FF - Fully Furnished
FH - Freehold
FMV - Fair Market Value
FPS - Full Purchase Price
FR - Fixed Rate
FRI - Fully Repairing Insuring 
FTB - First Time Buyer
FURN - Furnished
FWT - Fair Wear & Tear

GCH - Gas Central Heating
GDN - Garden
GDPR - General Data Protection Regulation 
GDV - Gross Development Value
GF - Ground Floor
GFCH - Gas Fired Central Heating
GIA - Gross Internal Area
GP - Gross Profit
GR - Gross Return
GSC - Gas Safety Certificate
GSHP - Ground Source Heat Pump

HA - Housing Authority
HB - Housing Benefit
HHSRS - Housing Health and Safety Rating System
HMO - House of Multiple Occupancy
HMRC - Her Majisty's Revenue & Customs
HOT - Heads Of Terms
HPI - House Price Index
HSE - Health and Safety Executive
HVAC - Heating Ventilation and Air Conditioning

IFA - Independent Financial Advisor
IHT - Inheritance Tax
IO - Interest only
IRI - Internally Repairing Insuring (Lease)
IRR - Internal Rate Of Return

JV - Joint Venture
JVP - Joint Venture Partner

KFI - Key Financial Information
KYC - Know Your Client

LBC - Listed Building Consent
LH - Leasehold
LHA - Local Housing Allowance
LIBOR - London Interbank Offered Rate
LL - Landlord
LLP - Limited Liability Partnership
LNPG - Landlord’s National Purchasing Group
LO - Lease Option
LPA - Lasting Power of Attorney
LTB/L2B - Lease to Buy
LTD - Limited Company 
LTL/L2L - Lease to Let (Same as R2R)
LTV - Loan To Value 

Loan To Value

MEES - Minimum Energy Efficiency Standards
MIP - Mortgage In Principle
MMR Mortgage Market Review
MV - Market Value
MVHR - Mechanical Ventilation with Heat Recovery

NaCSBA - National Custom and Self Build Association
NAEA - National Association of Estate Agents
NALS - National Association of Letting Agents
NDA - Non Disclosure Agreement 
NHBC - National House Building Council Scheme
NIMBY - Not In My Back Yard
NLA - National Landlords Association
NMD - No Money Down
NMLI - No Money Left In
NP - Net Profit
NPPF - National Planning Policy Framework
NPPG - National Planning Practice Guidance
NR - Net Return
NSBRC - National Self Build and Renovation Centre

OCH - Oil Central Heating
OIEO - Offers In Excess Of
OIRO - Offers In the Region Of
OMV - Open Market Value
OO - Owner Occupier
OPM - Other People’s Money: Using other people’s money to purchase property
OPP - Outlined Planning Permission
OTA - Online Travel Agent
OTO - Open To Offers

PA - Per Annum
PA - Prior Approval
PAT - Portable Applicance Testing
PCM - Per Calendar Month
PD - Permitted Development 
PG - Personal Guarantee 
PG - Planning Gain 
PM - Project Manager
POA - Power Of Attorney 
POA - Price On Application
PP - Planning Permission
PP - Purchase Price
PPR - Prinicipal Private Residence
PRS - Private Rent Sector
PRS - Property Redress Scheme
PT - Part Furnished
PV- Solar Panel (photovoltaic)
PW - Per Week

QS Quanity Surveyor

R2R - Rent to Rent 
R2SA - Rent To Service Accommodation
REIT - Real Estate Investment Trust
RICS - Royal Institute of Chartered Surveyors
ROCE - Return on Capital Employed
ROCI - Return on Capital Invested
ROE - Return On Equity
ROI - Return On Investment
ROR - Rate of Return
RP - Registered Provider 
RPI - Retail Price Index
RSL - Registered Social Landlord
RTB - Right To Buy
RTM - Right To Manage

SA - Serviced Accommodation 
SA - Supported Accommodation 
SARB/SRB - Sale and Rent Back (can't be done now)
SASS - Small Self Administered Scheme
SDLT - Stamp Duty Land Tax
SFO - Serious Fraud Office
SL - Supported Living
SO - Standing Order
SRA - Solicitor's Regulation Authority 
SSIP - Self Invested Personal Pension
SSTC - Sold Subject To Contract
STPP - Subject To Planning Permission 
STS - Subject To Survey
SV - Surveyor Valuation
SVR - Standard Variable Rate - Mortgage

TB - Tenant Buyer
TDS - The Deposit Service
TOGC- Transfer of Going Concern
TPO - The Property Ombudsman
TPO - Tree Preservation Order 
TS - Title Split

UF - Unfurnished

VC - Venture Capital 
VF - Vendor Finance 
VOA - Vulation Office Authority 
VP - Vacant Possession

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