Decision Pages
The 10 biggest landlord decisions, broken down with options, worked scenarios and a checklist.
Keep vs Sell vs Incorporate
Section 24 has changed the maths for higher-rate landlords. Compare the three main exits or restructures with worked numbers.
3 options · 3 worked scenarios
Airbnb vs Long-Term Let vs Serviced Accommodation
Three operating models, three tax regimes, three risk profiles. Pick the right one for your property and time.
3 options · 3 worked scenarios
Upgrade EPC vs Sell the Property
Crunch the numbers on bringing a property to EPC C versus selling before the 2030 deadline.
2 options · 2 worked scenarios
HMO Conversion: Yes or No?
HMOs can double yield — and double your compliance burden. When does it make sense?
2 options · 1 worked scenarios
Self-Manage vs Use a Letting Agent
The Renters' Rights Act increases the compliance burden. Is DIY still the right call?
2 options · 1 worked scenarios
Personal Name vs Limited Company for Next Purchase
For a brand-new purchase, the comparison is simpler — no SDLT/CGT trigger to worry about.
2 options · 1 worked scenarios
Refinance vs Hold vs Sell
When your fixed rate ends, you have three real choices. Here's how to weigh them.
3 options · 1 worked scenarios
Holiday Let: Continue vs Convert to AST vs Sell
FHL regime abolished April 2025. Three exits, all worth modelling.
3 options · 1 worked scenarios
Fixed Rate vs Tracker Mortgage for BTL
Rate certainty vs flexibility — the call depends on your hold horizon and ICR headroom.
2 options · 1 worked scenarios
Single Let vs Multi-Let Room by Room
When does converting an existing single let to room-by-room actually pay off?
2 options · 1 worked scenarios