Tax and Financial
Section 24, incorporation, CGT, SDLT, MTD, allowable expenses, corporation tax, and every other tax question landlords face
Section 24 Explained: Impact on Your Tax Bill with Worked Examples
Section 24 costs higher-rate landlords ~GBP 2,000 per GBP 10k of mortgage interest in 2026. Worked examples at every band — and when incorporation actually pays back.
Should I Incorporate? Decision Framework with Calculator
Should you incorporate your rental properties? The SDLT, CGT and corp-tax maths for UK landlords at 60%, 75% and 90% LTV — including the LTV where it stops paying back.
Capital Gains Tax on Property: Planning Guide 2026/27
Free CGT planning guide for landlords. 18%/24% rates, 60-day reporting, timing strategies, and principal private residence relief.
FHL Abolition: What Holiday Let Owners Must Do Now
Free guide to the Furnished Holiday Lettings tax regime abolition. What was lost, transition options, and sell vs convert vs continue decision framework.
Making Tax Digital for Landlords: Complete Setup Guide
Free MTD setup guide for landlords. Who is in scope, software options, quarterly update content, and mixed portfolio aggregation rules.
Allowable Expenses: Complete Landlord Tax Deductions List
Allowable expenses A–Z for UK landlords: repairs, agent fees, insurance, mileage and the categories HMRC most often disallows on enquiry. Updated for 2026/27.
Non-Resident Landlord Tax Guide
Non-resident landlord tax: the NRL Scheme, 20% withholding, the treaty positions that actually work, and the 60-day CGT trap that catches almost every overseas owner.
SDLT Surcharge: Calculating Your Additional Property Tax
The 5% SDLT surcharge on additional properties in 2026, with worked totals at GBP 150k, GBP 250k and GBP 500k — plus the post-MDR position and the refund scenarios HMRC still allows.
Rent-a-Room Scheme: GBP 7,500 Tax-Free Threshold Guide
Free guide to the Rent-a-Room Scheme. Eligibility, homeowners vs tenants, Airbnb interaction, and self-assessment requirements.
Corporation Tax for Property Companies
Free guide to corporation tax for property companies. 19%/25% rates, associated companies, dividend extraction, director salary, and S455 loans.
VAT on Commercial Property: Option to Tax Explained
Free guide to VAT on commercial property. When to elect, implications for buyers, reverting the option, and mixed-use split treatment.
Landlord Self Assessment: Filing Guide
Free self-assessment filing guide for landlords. SA105 property income pages, partnership pages, deadlines, and penalties.
HMRC Let Property Campaign: What You Need to Know
Free guide to the HMRC Let Property Campaign. Who is targeted, voluntary disclosure, and penalties if caught. GBP 107M collected in 2024/25.
Stamp Duty Land Tax: Complete Guide for Landlords
Free SDLT guide for landlords. All thresholds, 5% surcharge, higher rates, reliefs, linked transactions, and Scotland/Wales equivalents.
Inheritance Tax and Property: Planning Considerations
Free guide to inheritance tax and rental property. Business property relief, nil rate band, trust structures, and residence nil rate band.
Annual Tax on Enveloped Dwellings (ATED)
Free guide to ATED for landlords. Who pays, thresholds from GBP 500k, reliefs for letting businesses, and filing obligations.
Payments on Account Explained for Landlords
Free guide to payments on account for landlords. 31 Jan/31 Jul deadlines, how to reduce, and cashflow planning.
National Insurance for Landlords
Free guide to National Insurance for landlords. When NI applies to rental income, voluntary Class 2 contributions for pension credits.
Repairs vs Improvements: The Tax Distinction
Free guide to the HMRC distinction between repairs (deductible) and improvements (capital). Worked examples and common disputes.
Mortgage Interest Tax Relief: The Complete Guide
Free guide to Section 24 basic rate tax credit for mortgage interest. Worked examples at every tax band and interaction with other income.
Property Income Allowance (GBP 1,000) Explained
Free guide to the GBP 1,000 property income allowance. When to use it, when full expenses are better, and Airbnb interaction.
Selling a Rental Property: Tax Planning Guide
Free CGT planning guide for selling rental property. 60-day reporting deadline, enhancement expenditure, lettings relief, and timing strategies.
Furnished vs Unfurnished Lettings: Tax and Practical Differences
Free guide to furnished vs unfurnished lettings. Wear and tear history, current rules, what you can claim, and rent impact.
Tax-Year Planning Calendar for Landlords
Free month-by-month tax planning calendar for landlords. When to pay, when to file, when to plan, and key deadlines.
Keep vs Sell vs Incorporate: The Three-Way Decision
Keep vs sell vs incorporate for UK landlords: how tax band, leverage and hold period actually drive the answer — including when "do nothing" is mathematically the right call.
Personal Name vs Limited Company for Next Purchase
Free decision framework for UK landlords choosing personal name or limited company for the next BTL purchase. Tax, lending, and long-term positioning compared.
Fixed Rate vs Tracker Mortgage for BTL
Free comparison for UK landlords choosing between a fixed-rate and tracker BTL mortgage in 2026. Rate outlook, risk profile, and who each suits.
Best MTD Software for Landlords 2026
Best MTD software for UK landlords in 2026: Hammock, FreeAgent, Xero and QuickBooks priced and ranked for property income — including the one most accountants quietly avoid.
Best Landlord Accounting Software
Free review of accounting software for UK landlords. Landlord Studio, Hammock, Landlord Vision, Xero and more compared by portfolio size and price.
Best Self-Assessment Tax Software for Landlords
Free review of SA105 tax software for UK landlords. GoSimpleTax, TaxCalc, TaxScouts and HMRC online compared for price, depth and landlord-specific features.