Buy-to-let private landlords generally only experience problems with their mortgages when tenants fail to pay the rent they owe.
That is the view of the National Landlords Association (NLA), which claims it is "important to remember" this issue when debating landlord responsibilities.
Comments from the representative body come after a number of organisations have spoken about the need to protect tenants in the event of their property owners having their homes repossessed.
Most analysis has focused on the problems caused by the private landlords, but the NLA believes troublesome issues often begin with the tenants who do not meet their side of the tenancy agreement.
"Tenants may have difficulty meeting their rental payments but a failure to do so may put them at immediate risk of losing their home and the landlord at risk of losing their livelihood," the organisation said.
Written by Daniel Burgess
