MTD Guides & Landlord Tax Tips
Practical, HMRC-accurate guides for UK landlords navigating Making Tax Digital. Updated for April 2026.
Autumn Budget 2025: What Changed for Landlords (Full Summary)
Property tax rates rising to 22%/42%/47% in 2027, mortgage relief at 22%, the £2m+ mansion tax in 2028, MTD mandatory, and no National Insurance on rent. The full Budget 2025 summary for UK landlords.
Transferring a Buy-to-Let to Your Spouse: CGT, SDLT & Income Tax (2026/27)
No CGT on spouse transfers — but an assumed mortgage can quietly trigger stamp duty, and the income split only changes with a declaration of trust and Form 17. The full 2026/27 rules, the £125k SDLT trap, and why the April 2027 rate rise makes this the moment to act.
Remortgaging a Buy-to-Let: The Tax Rules Landlords Get Wrong (2026/27)
Remortgaging triggers no CGT and no stamp duty — but whether the new interest earns relief depends entirely on what the money is for. The purpose test, the disputed BIM45700 capital-account rule, fees and equity release explained.
Is My Buy-to-Let Mortgage Tax Deductible? The Honest Answer (2026)
Your buy-to-let mortgage payment isn't a simple expense. The capital you repay gets no relief at all, and since 2020 the interest only earns a 20% tax credit — not a deduction. How it works for individuals vs companies, with a worked example.
Are Landlords Self-Employed? NI and the Property Business Myth (2026)
Letting property is a business — but for tax it's not a trade, and most landlords are not self-employed. That's why there's normally no Class 2 or Class 4 National Insurance on rental profit. The exceptions and the state-pension catch.
Stamp Duty for Limited Companies Buying Residential Property (2026)
A company buying a home can face a punitive 17% flat-rate SDLT over £500,000 — but a genuine buy-to-let business escapes it, paying standard rates plus the 5% surcharge instead. The 17% charge, rental relief and 3-year clawback explained.
Lettings Relief in 2026: The £40,000 CGT Break Most Landlords Can No Longer Claim
Lettings relief once knocked up to £40,000 off the CGT bill on a former home you'd let out. Since 6 April 2020 it only survives if you shared the property with your tenant. Who still qualifies, who lost it, and the maths.
Renting to a Family Member Below Market Rent: The Tax Trap (2026)
Let a property to your child or parent at a mate's rate and HMRC treats it as an 'uncommercial let' — expenses are capped at the rent received, you can't make a loss, and the excess is lost for good.
Gifting a Rental Property to Your Children: The Tax Rules (2026)
Giving a buy-to-let to your children triggers Capital Gains Tax at market value, a 7-year inheritance tax clock, and a gift-with-reservation trap if you keep the rent. The full 2026/27 guide with a worked example.
Selling a Rental Property Below Market Value to Family (2026)
Sell a rental to a family member for less than it's worth and HMRC ignores the price you agreed — Capital Gains Tax is charged on full market value under the connected-persons rule. Plus the inheritance-tax gift element and SDLT.
Let-to-Buy Tax Implications: SDLT, CGT and Section 24 (2026)
Keeping your old home, letting it out and buying a new main residence triggers the 5% stamp duty surcharge, brings the let property into Section 24, and affects private residence relief when you eventually sell.
Pension Tax Relief on Rental Income: Why Landlords Are Capped at £3,600 (2026)
Rental profit is 'unearned' income, so it does not count as relevant UK earnings for pension tax relief. If rent is your only income you can only get relief on £3,600 a year (£2,880 net). The full 2026/27 explanation.
VAT on Commercial Property for Landlords: The Option to Tax (2026)
Commercial rent is normally VAT-exempt, but you can 'opt to tax' to charge 20% VAT and recover the VAT on your costs. Residential rent is always exempt. How the option to tax works for landlords in 2026.
Property Income Tax Rising to 22%, 42% & 47% from April 2027
From 6 April 2027 the rates on UK property income rise by 2 percentage points to 22%, 42% and 47%. What the Autumn Budget 2025 change means for landlords, with a worked example.
Mortgage Interest Relief Rising to 22% from April 2027 (Section 24)
The Section 24 finance-cost credit moves from 20% to the new property basic rate of 22% from April 2027. A small win inside a bigger tax rise, explained with a worked example.
High Value Council Tax Surcharge 2028: Mansion Tax for £2m+ Homes
From April 2028, owners of English homes worth £2m or more pay an annual surcharge of £2,500 to £7,500. How the mansion tax works, the bands, and what it means for landlords.
Will Landlords Pay National Insurance on Rental Income? (2026)
Despite Budget speculation, landlords will NOT pay National Insurance on rental income. What the Autumn Budget 2025 confirmed, why rental profit is unearned income, and the changes that did happen.
Is a New Kitchen Tax Deductible for Landlords? (2026)
Replacing a worn kitchen with a similar standard one is usually an allowable repair; upgrading to a higher spec is capital. How landlords treat a new kitchen for tax in 2026.
Is Painting and Decorating Tax Deductible for Landlords? (2026)
Painting and decorating to maintain a rental is one of the clearest allowable revenue expenses for landlords. What you can claim, the pre-letting nuance, and how to record it in 2026.
Are Accountant Fees Tax Deductible for Landlords? (2026)
Accountancy fees for preparing your rental accounts and tax return are generally allowable expenses. What landlords can claim, what they can't, and how MTD changes it, 2026.
Is a Gas Safety Certificate Tax Deductible? (Landlords, 2026)
Gas safety checks (CP12), EICR electrical certificates and EPCs are recurring compliance costs of letting — and generally allowable expenses for landlords. What you can claim in 2026.
Is a New Boiler Tax Deductible for Landlords? (2026)
Replacing a broken boiler with a similar one is usually an allowable repair; a significant upgrade can be capital. How landlords treat a new boiler for tax in 2026.
Capital Allowances for Landlords Explained (2026): When Can You Claim?
Capital allowances generally aren't available for plant in a residential dwelling — landlords use replacement of domestic items relief instead. When allowances do apply, explained for 2026.
Is Rent Guarantee Insurance Tax Deductible? (Landlords, 2026)
Rent guarantee and landlord insurance premiums are generally allowable expenses against rental income. What's deductible, how payouts are taxed, and how to record it in 2026.
Are Pre-Letting Expenses Tax Deductible? (Landlords, 2026)
Costs incurred before your first tenant moves in can still be claimed. The 7-year pre-letting expenses rule for landlords, what qualifies, and how to record it for 2026.
MTD Software for Non-Resident Landlords (2026): What Overseas Landlords Need
Live abroad but let UK property? MTD for Income Tax can still apply. How non-resident landlords choose software that handles UK records, agents and the NRL scheme in 2026.
MTD Software for Company Landlords (2026): Do Ltd Companies Need It?
MTD for Income Tax applies to individuals, not companies. Limited company landlords file Corporation Tax instead — but still need bookkeeping software. Here's the difference, 2026.
Cheap MTD Software for Landlords (2026): Low-Cost & Free Routes Compared
You don't need expensive software for MTD. Compare the cheapest and free HMRC-recognised options for landlords in 2026 — and why the lowest price isn't always the best value.
Open Banking MTD Software for Landlords (2026): How It Works & Stays Safe
Open banking powers the bank feeds in MTD software. What it does for rental bookkeeping, why it's secure, and the controls landlords still need, in 2026.
Are Selective Licence Fees Tax Deductible? (Landlords, 2026)
Selective and additional licensing fees under the Housing Act 2004 are generally allowable revenue expenses for landlords. What you can claim, what you can't, and how penalties are treated, 2026.
FreeAgent for Landlords: MTD Review (2026) — Free With the Right Bank
FreeAgent is HMRC-recognised for MTD for Income Tax and free with NatWest, RBS, Ulster or Mettle. Our review of FreeAgent for Landlords, its limits and who it suits, 2026.
Sage for Landlords: MTD Review (2026) — Is It Overkill for Rentals?
Sage is HMRC-recognised for MTD for Income Tax with cloud and desktop options. Our review of Sage for UK landlords versus lighter property-specific software, 2026.
Landlord Software with Bank Feeds (2026): Why Reconciliation Matters for MTD
Bank feeds and reconciliation are the features that make MTD record-keeping painless. How they work, what to look for, and which landlord software does them well in 2026.
Property Management vs MTD Software (2026): What's the Difference?
Managing tenancies and filing tax are different jobs. Understand property management software vs MTD software so landlords don't pick the wrong tool for 2026.
MTD Software for Joint Landlords (2026): Splitting Income Digitally
Own a rental with someone else? Each joint owner reports their share under MTD. What to look for in software for joint landlords, and how income splits work, in 2026.
QuickBooks vs FreeAgent for Landlords (MTD 2026): Which to Choose
Both QuickBooks and FreeAgent are HMRC-recognised for MTD for Income Tax. Compare cost, bank feeds, property income handling and accountant fit for landlords in 2026.
Hammock vs Landlord Studio for MTD (2026): Property-First Compared
Hammock and Landlord Studio are both landlord-focused, HMRC-recognised MTD tools. Compare bookkeeping depth, property management features and pricing for 2026.
Landlord Studio vs Landlord Vision (MTD 2026): Which Property Platform?
Landlord Studio and Landlord Vision are both property-first MTD platforms. Compare accounting depth, management features and pricing for UK landlords in 2026.
Xero for Landlords: MTD Review (2026) — Powerful, But Set Up Right
Xero is HMRC-recognised for MTD for Income Tax and scales well, but it's a general accounting platform. Our review of Xero for UK landlords, with setup tips, in 2026.
QuickBooks for Landlords: MTD Review (2026) — Strong Feeds, General Tool
QuickBooks is HMRC-recognised for MTD for Income Tax with excellent bank feeds, but it's general accounting software. Our review for UK landlords, with setup tips, 2026.
Best MTD Software for a One-Property Landlord (2026): Keep It Simple & Cheap
Got a single rental? You don't need expensive software for MTD. Compare the cheapest HMRC-recognised options for one-property landlords in 2026, including free routes.
Best MTD Software for Portfolio Landlords (2026): Scale Without the Admin
Several properties? You need MTD software that handles a portfolio. Compare property-specialist platforms, bank feeds and scalable tools for landlords in 2026.
FreeAgent vs Xero for Landlords (MTD 2026): Free vs Flexible
FreeAgent is free with a NatWest, RBS, Ulster or Mettle bank account; Xero is a paid, scalable platform. Compare them for landlords and MTD for Income Tax in 2026.
Accountant vs MTD Software for Landlords: Which Do You Need? (2026)
Do landlords need an accountant under MTD, or is software enough? Compare cost, control and risk — and why many landlords end up using both for 2026.
HMRC-Recognised MTD Software for Landlords: How to Choose (2026)
HMRC doesn't sell software — it lists compatible MTD products. Learn how to find HMRC-recognised software for landlords, what to check, and the free, paid and bridging options.
Xero vs QuickBooks for Landlords (MTD 2026): Which Should You Pick?
Xero or QuickBooks for MTD as a landlord? Compare property-income handling, pricing tiers, bank feeds and accountant support for 2026 — with the trade-offs that matter.
Spreadsheet vs Landlord Tax Software for MTD: Which Is Right? (2026)
Can landlords keep using spreadsheets under MTD? Yes — with bridging software. Compare spreadsheets vs dedicated landlord tax software on cost, effort and risk for 2026.
Personal vs Company: How Should You Own Buy-to-Let? (2026/27)
Should you hold rentals personally or in a limited company? Compare Section 24 vs Corporation Tax, dividend costs and the real break-even for 2026/27 with worked numbers.
The 5% Additional Property Surcharge: When You Pay and When You Don't (2026)
The SDLT additional-property surcharge is 5% on second homes and buy-to-lets in England & NI. Learn exactly when it applies, the exemptions, and how to reclaim it.
Mortgage Interest Tax Relief for Landlords: How Much You Actually Get (2026/27)
Landlords no longer deduct mortgage interest — you get a 20% tax credit instead. See exactly how much relief you'll get for 2026/27 and why higher-rate landlords lose out.
Are HMO & Selective Licence Fees Tax Deductible? (2026/27)
HMO and selective licence fees are a regular cost of letting — generally allowable as a revenue expense. Learn how to claim them and whether to spread them over the licence term.
Apportioning Rental Expenses: Claiming the Right Share (2026/27)
When a cost is only partly for your rental, you can claim the business share. Learn how to apportion expenses fairly — part-private use, mixed periods, joint ownership.
MTD Quarterly Update Calculator: What to Report Each Quarter (2026/27)
Free MTD quarterly update calculator for landlords. See the cumulative income and expense totals to report, the four deadlines, and how corrections work automatically.
Limited Company Buy-to-Let Tax: Is Incorporating Worth It? (2026/27)
How is a limited company buy-to-let taxed in 2026/27? Corporation Tax at 19–25%, no Section 24, but dividend tax to extract profit. A clear guide with the real numbers.
The Real Cost of Moving Buy-to-Lets into a Company (2026/27)
Moving rentals into a limited company can trigger CGT and SDLT on the way in. Learn the incorporation costs, when Incorporation Relief helps, and how to weigh it up.
Inheritance Tax on Buy-to-Let: What Your Heirs Will Pay (2026/27)
Buy-to-let property counts fully towards your estate for Inheritance Tax at 40%. Learn the £325,000 and £175,000 thresholds, why rentals miss the home allowance, and how to plan.
ATED Charge Calculator 2026/27: What Companies Pay on Residential Property
ATED 2026/27 charges start at £4,600 for company-owned homes over £500,000. See the full band table, the 30 April deadline, and the reliefs most landlords can claim.
Service Charges & Ground Rent: How Landlords Treat Them for Tax (2026/27)
Letting a leasehold flat? Service charges and ground rent you pay are deductible. Charges you collect from tenants are income — but the costs are deductible too. Clear guide.
CGT Property Calculator 2026/27: What You'll Pay When You Sell a Rental
Free Capital Gains Tax property calculator for 2026/27. Work out CGT on selling a rental at 18% or 24%, after the £3,000 allowance — and the 60-day reporting deadline.
Rental Loss Carry Forward: How Landlords Use Property Losses (2026/27)
Made a rental loss? It's automatically carried forward against future rental profits. Learn the rules, what you can't do with property losses, and how MTD handles them.
Are Landlord Legal Fees Tax Deductible? Revenue vs Capital (2026/27)
Some landlord legal fees are deductible, others are capital. Learn which legal and professional costs you can claim — eviction, accountancy, lease renewal — for 2026/27.
Are EPC Upgrade Costs Tax Deductible for Landlords? (2026/27)
EPC and energy-efficiency upgrades are usually capital, not deductible from rent — but repairs can be. A clear guide to the tax treatment of EPC improvements for landlords.
Rent in Advance: When Is It Taxed? A Landlord's Guide (2026/27)
Took rent in advance? On the cash basis it's taxable income when you receive it — not when it's 'earned'. A clear guide to the tax treatment of advance rent for landlords.
Landlord Mileage Calculator 2026/27: Claim 55p a Mile for Property Trips
From 6 April 2026 the simplified mileage rate rises to 55p a mile. Use the free landlord mileage calculator to claim property-business travel instead of actual car costs.
Non-Resident Landlord Tax: The 20% Scheme Explained (2026/27)
Living abroad and letting UK property? Your agent or tenant may deduct 20% tax under the Non-Resident Landlord Scheme — unless you apply to receive rent gross. Full guide.
Payments on Account for Landlords: The 31 July Bill Explained (2026/27)
Free payments on account calculator for landlords. Understand the 50% advance payments, the £1,000 and 80% rules, and the 31 January and 31 July deadlines.
Home Office Expenses for Landlords: What You Can Claim (2026/27)
Run your lettings from home? Claim a use-of-home deduction — the simplified flat rate (£10–£26/month) or a fair share of actual costs. Free landlord home office calculator.
Are Tenant Deposits Taxable? How Landlords Treat Deposits (2026/27)
A tenancy deposit isn't taxable income when you receive it — but it can become taxable if you keep part of it. A clear guide to the tax treatment of deposits for landlords.
Are Letting Agent Fees Tax Deductible? A Landlord's Guide (2026/27)
Yes — letting and management agent fees are an allowable expense for landlords. Here's exactly what you can deduct, what counts as capital, and how to claim it for 2026/27.
Is Landlord Insurance Tax Deductible? What You Can Claim (2026/27)
Landlord insurance is an allowable expense. Learn which policies you can deduct — buildings, contents, rent guarantee, liability — and the one rule about insurance pay-outs.
Mortgage Arrangement Fees: Tax Relief for Landlords (and the Section 24 Trap)
Mortgage arrangement and broker fees are finance costs — so they're caught by Section 24, not deducted in full. Here's how landlords actually get relief for 2026/27.
Council Tax & Utilities During Void Periods: Can Landlords Claim? (2026/27)
When your rental sits empty, who pays council tax and bills — and can you deduct them? A clear guide to void-period costs and tax relief for landlords in 2026/27.
Unpaid Rent & Bad Debts: Do Landlords Get Tax Relief? (2026/27)
If a tenant doesn't pay, do you still owe tax on the rent? It depends on cash vs accruals basis. A clear guide to bad-debt relief and unpaid rent for landlords in 2026/27.
Property Income Allowance Calculator: Is Your Rent £1,000 Tax-Free? (2026/27)
Free property income allowance calculator. See if your rental income is covered by the £1,000 tax-free allowance, when to claim it instead of expenses, and what to declare.
Rent a Room Tax Calculator 2026/27: Your £7,500 Tax-Free Threshold
Free Rent a Room calculator. See if your lodger income is within the £7,500 tax-free threshold, what happens above it, and how the method-A vs method-B choice works.
Stamp Duty Buy-to-Let Calculator 2026: The 5% Surcharge Explained
Free buy-to-let stamp duty calculator for 2026. Work out SDLT on an additional property in England and NI, including the 5% higher-rate surcharge, with full band rates.
Replacement of Domestic Items Relief: Claim Your Furniture & Appliances (2026/27)
Free replacement domestic items relief calculator. See what you can claim when you replace furniture or appliances in a let property — and the like-for-like rule that limits it.
MTD Threshold Calculator for Landlords: Are You In Scope and When? (2026)
Free MTD threshold calculator for landlords. Check your qualifying income against the £50k, £30k and £20k thresholds and find your exact Making Tax Digital start date.
Buy-to-Let Profit Calculator: Your Real After-Tax Return (2026/27)
Free buy-to-let profit calculator. Work out gross yield, net yield and your true after-tax cash profit for 2026/27 — including the Section 24 mortgage-interest hit.
Rental Income Disclosure Deadlines: The 90-Day Let Property Campaign Rule (2026)
Got undeclared rental income? HMRC's Let Property Campaign gives you 90 days to pay once you notify. Here are the disclosure deadlines, penalties and how far back HMRC goes.
Section 24 Calculator 2026/27: Work Out Your Mortgage Interest Tax Relief
Free Section 24 calculator for 2026/27. See your basic-rate tax reducer on mortgage interest, the real cost of the finance-cost restriction, and any amount carried forward.
Non-Resident Landlord Tax Deadlines 2026/27: NRLS, Self Assessment, MTD and CGT
Non resident landlord tax deadlines for 2026/27: NRLS quarters, NRLY, Self Assessment, MTD updates, CGT 60-day returns and payments.
Property CGT Deadline Calendar 2026/27: 60-Day Sale Dates for Landlords
Property CGT deadline calendar for 2026/27 sales: 60-day report/payment dates, exchange vs completion and Self Assessment traps.
Landlord Tax Payment Dates 2027: January and July Deadlines for 2026/27
Landlord tax payment dates 2027: what is due on 31 January and 31 July, how payments on account work, and when 2026/27 is finally paid.
MTD Soft Landing for Landlords: The 2026/27 Penalty Grace Period Explained
Joining Making Tax Digital in April 2026? You get a 12-month penalty soft landing on quarterly updates plus a 30-day late-payment grace. Here's exactly what's waived.
Rental Income Tax Calculator 2026/27: Work Out What You'll Really Pay
Free 2026/27 rental income tax calculator for UK landlords — no sign-up. See your taxable profit, tax band and bill after the Section 24 mortgage-interest restriction.
Landlord Record-Keeping Deadlines: How Long to Keep What (2026/27)
How long must UK landlords keep tax records? Self Assessment vs MTD rules, the digital-records start date, and the deadlines that trigger penalties. Clear 2026/27 guide.
HMRC MTD Letter Landlord: What It Means and What to Do in 2026/27
HMRC MTD letter landlord guide: check if the notice is right, what gross income counts, when to sign up and what to do before April 2026.
MTD Rental Income Below Threshold: 2026/27 Landlord Rules
MTD rental income below threshold? Check when landlords are outside MTD, what gross income means, and whether voluntary MTD is worth it.
Landlord Tax Deadlines 2026/27: Income Tax, MTD, CGT, SDLT, ATED and Payment Dates
Landlord tax deadlines 2026 27: key HMRC dates for Self Assessment, MTD, CGT, SDLT, ATED and payments on account.
MTD quarterly deadlines 2026/27: landlord filing calendar
MTD quarterly deadlines 2026 27 for landlords: exact periods, filing dates, calendar quarter option and what to do before each HMRC date.
First MTD Quarterly Update Deadline: 7 August 2026 Landlord Checklist
First MTD quarterly update deadline is 7 August 2026. See who must file, what Q1 covers, software checks and landlord pitfalls.
MTD final declaration deadline landlords: 31 January 2028 for 2026/27
MTD final declaration deadline landlords: file the 2026/27 MTD tax return by 31 January 2028 and pay any balancing tax due.
Self Assessment Deadlines Landlords 2026/27: Key Dates, Forms and Payments
Self Assessment deadlines landlords 2026 27: register by 5 Oct 2027, file by 31 Oct 2027 or 31 Jan 2028, pay by 31 Jan 2028.
Payments on Account Deadlines for Landlords: 2026/27 Dates and Cash-Flow Plan
Payments on account deadlines landlords need for 2026/27: 31 January, 31 July and how to avoid the first-year cash-flow shock.
SDLT Filing Deadline Buy to Let: 14-Day Rule for Landlords
SDLT filing deadline buy to let: file and pay within 14 days. Learn effective date, solicitor role, penalties and examples.
ATED Deadline 2026: Calendar for Company Landlords
ATED deadline 2026 guide: 30 April filing date, acquisition deadlines, relief claims, valuations and 2026/27 ATED charges.
MTD £20,000 Threshold for Landlords: 2028 Entry Guide
MTD 20000 threshold landlords guide: check if gross rent and self-employment income put you into MTD from 6 April 2028.
MTD tax estimate quarterly update: why your 2026/27 figure can change
MTD tax estimate quarterly update guide for landlords: why HMRC’s in-year figure changes and why it is not your final 2026/27 tax bill.
MTD Landlord Accountant Agent: What You Still Need to Do in 2026/27
MTD landlord accountant agent guide: what your accountant can do, what landlords remain responsible for, deadlines and records for 2026/27.
MTD Property and Self Employment Income: 2026/27 Landlord Guide
MTD property and self employment income rules for 2026/27: when rent plus freelance turnover triggers MTD, thresholds, deadlines and examples.
MTD Exemptions for Landlords: Digital Exclusion Rules for 2026/27
MTD exemptions landlords: who is exempt, when digital exclusion applies, how to apply to HMRC, and why software discomfort is not enough.
MTD overseas landlords UK property: 2026/27 rules for non-resident landlords
MTD overseas landlords UK property rules for 2026/27: thresholds, SA109 deferral, NRLS, digital records and quarterly updates.
MTD Foreign Property Income Landlords: UK and Overseas Property Reporting 2026/27
MTD foreign property income landlords: 2026/27 rules for UK rent, overseas rent, mixed portfolios, quarterly updates and deadlines.
MTD property partnership landlords: 2026/27 rules for formal property partnerships
MTD property partnership landlords: 2026/27 rules, thresholds, SA800/SA801 filing, partner income and what changes for formal partnerships.
MTD Multiple Properties Landlords: How One Portfolio Feeds Into Quarterly Updates
MTD multiple properties landlords guide: how portfolio records roll into one quarterly update, deadlines, joint lets and HMRC rules for 2026/27.
MTD No Rental Income Quarter: What Landlords Must Submit in 2026/27
MTD no rental income quarter rules for 2026/27 landlords: nil updates, void periods, expenses, new properties and deadlines.
Correct MTD Quarterly Update Landlord Guide 2026/27: How to Fix Mistakes
Correct MTD quarterly update landlord mistakes in 2026/27: missing rent, wrong expense category, late invoices and HMRC deadlines.
MTD Bank Feeds for Landlords: When They Help and When They Make Records Messy
MTD bank feeds landlords: when bank feeds help, when they make records messy, and why a separate rental bank account simplifies MTD.
MTD Property Income Expense Categories: UK Landlord Map for 2026/27
MTD property income expense categories mapped for UK landlords in 2026/27: rent, repairs, mortgage interest, agent fees and quarterly updates.
MTD Cash Basis Property Income Records for Landlords: 2026/27 Guide
MTD cash basis property income records for 2026/27: rent received, bills paid, quarterly updates, mortgage interest and year-end checks.
MTD final declaration vs tax return: what landlords still file in 2026/27
MTD final declaration vs tax return: what landlords still file under MTD, what changes from 2026/27, deadlines and examples.
MTD Digital Links for Landlords: Spreadsheet, Bank Feed and Bridging Rules 2026/27
MTD digital links landlords guide: what counts for spreadsheets, bank feeds and bridging software under 2026/27 MTD Income Tax rules.
MTD Spreadsheet Rules for Landlords: Can You Still Use Excel in 2026/27?
MTD spreadsheet rules landlords must follow in 2026/27: when Excel is allowed, what records to keep and when bridging software is needed.
MTD Receipts Invoices Landlords: 2026/27 Digital Records Guide
MTD receipts invoices landlords guide: what to keep, scan and record digitally for 2026/27, including rent, mileage, statements and repairs.
MTD Agent Authorisation for Landlords: How to Connect Your Accountant in 2026/27
MTD agent authorisation landlords guide: connect your accountant to MTD Income Tax, choose main/supporting agents and avoid setup mistakes.
MTD Quarterly Update Example for Landlords: 2026/27 Buy-to-Let Walkthrough
MTD quarterly update example landlord guide: see 2026/27 deadlines, property income categories, what HMRC sees and what waits until year end.
MTD Accidental Landlord Over Threshold: 2026/27 Rules and What to Do
MTD accidental landlord over threshold? See the 2026/27 £50k rule, gross rent test, deadlines, software steps and examples for UK landlords.
MTD £30,000 Threshold for Landlords: 2027 Entry Guide
MTD 30000 threshold landlords guide: who must join from 6 April 2027, how qualifying income is checked, deadlines and examples.
MTD Quarterly Updates for Landlords: What You Submit in 2026/27
MTD quarterly updates landlords: what to send, when it’s due, what is estimated and what is final for UK landlords in 2026/27.
MTD Qualifying Income for Landlords: What Counts in 2026/27
MTD qualifying income landlords: gross rent, self-employment and excluded income explained, with 2026/27 thresholds and examples.
MTD Final Declaration for Landlords: How the 2026/27 Year-End Tax Return Works
MTD final declaration landlords guide: deadlines, property adjustments, quarterly update corrections and what replaces the old SA105 process.
MTD Digital Records for Landlords: What HMRC Requires in 2026/27
MTD digital records landlords must keep from 6 April 2026: what counts, categories, spreadsheets, receipts, quarterly updates and examples.
First Year MTD Landlord Guide 2026/27: Month-by-Month Survival Plan
First year MTD landlord in 2026/27? See who must join, quarterly deadlines, digital records, penalties and a month-by-month plan.
MTD Joint Property Landlords: 2026/27 Rules for Jointly Owned Rentals
MTD joint property landlords guide: thresholds, income shares, separate digital records, quarterly updates and joint owner examples for 2026/27.
MTD April 2026: What Every Landlord Must Know
The April 2026 MTD for Income Tax deadline explained. Who is affected, what changes, and how to avoid penalties.
MTD Quarterly Deadlines 2026/27: Key Dates for Landlords
All four quarterly update deadlines for the 2026/27 tax year, plus the final End of Period Statement and tax return due dates.
Best MTD Software for Landlords 2026: Compared & Ranked
Independent comparison of the top MTD for Income Tax software for UK landlords. Pricing, features, HMRC recognition status, and our verdict.
MTD Penalty Points Explained 2026: Late Update & Payment Fines
How HMRC's points-based penalty system works under MTD: 1 point per late quarterly update, £200 at 4 points, plus the reformed late-payment penalties of 3% + 3% + 10% a year.
How Much Does Section 24 Cost Landlords? 2026 Worked Examples
Section 24 cost shown with side-by-side worked examples: the £1,800 hit for higher-rate landlords and how a basic-rate landlord gets pushed into the higher band.
How to Register for MTD for Income Tax: Step-by-Step (2026)
A plain-English, seven-step guide for UK landlords on signing up for Making Tax Digital for Income Tax — eligibility, the Government Gateway, compatible software, and authorising it with HMRC.
Property Income Allowance & Rent a Room Scheme Explained (2026)
How the £1,000 property income allowance and the £7,500 Rent a Room scheme work in 2026, who qualifies, and how each interacts with the MTD for Income Tax threshold.
Landlord Tax Mistakes That Trigger an HMRC Enquiry
How HMRC's Connect system finds landlords, the nine mistakes that draw an enquiry, the Let Property Campaign, discovery time limits of 4/6/20 years, and how to stay enquiry-proof.
Splitting Rental Income With Your Spouse: Form 17 (2026)
How married couples and civil partners use Form 17 and a declaration of trust to split rental income in their real ownership shares — the 50/50 default, the 60-day rule, and a worked example saving over £2,000.
Cash Basis vs Accruals for Landlords (2026): Which to Use
Cash basis is now the default for UK landlords. How it differs from the accruals basis, when each one saves tax, the mortgage-interest catch, and how the choice fits Making Tax Digital.
Capital Gains Tax on Property in Scotland (2026/27)
CGT is not devolved — Scotland uses the same 18%/24% rates and £3,000 allowance as the rest of the UK. What IS different is LBTT and ADS when you buy, plus a full worked example.
Capital Gains Tax on a Second Home (2026/27)
Selling a second home? You pay 18%/24% on the gain above the £3,000 allowance, with no private residence relief unless it was once your main home. Worked example and the main-residence election.
Capital Gains Tax on Inherited Property (2026/27)
You pay no CGT when you inherit — only when you sell. Your gain is the sale price minus the probate (date-of-death) value, taxed at 18%/24% above the £3,000 allowance. Full worked example.
Non-Resident Capital Gains Tax on UK Property (2026/27)
Live abroad and selling UK property? Non-Resident CGT is 18%/24% on residential, and you must file a 60-day report even with no tax to pay. Rebasing options and the temporary non-residence trap explained.
Capital Gains Tax on Commercial Property (2026/27)
Commercial property gains are now taxed at the same 18%/24% rates as residential, but with no 60-day reporting and access to Business Asset Disposal Relief (18% from April 2026) and rollover relief. Worked example.
Limited Company vs Personal Buy-to-Let: Which Is Better? (2026/27)
Should you hold buy-to-let personally or through a limited company? An honest 2026/27 comparison — Section 24, Corporation Tax, dividends, transfer costs and who each option suits, with a worked example.
Replacement of Domestic Items Relief: What Landlords Can Claim (2026/27)
Landlords can deduct the cost of replacing furniture, appliances and furnishings in a let property. The like-for-like rule, what counts, what doesn't, and a worked example.
Payments on Account Explained for Landlords (2026/27)
Why your first landlord tax bill can be 1.5× what you expected. Payments on account explained — the £1,000 and 80% triggers, the 31 January and 31 July dates, and how to reduce them.
Inheritance Tax on Buy-to-Let Property (2026/27)
Buy-to-let is taxed at 40% Inheritance Tax above your nil-rate band — and gets no business relief. The £325,000 and £175,000 bands, why landlords are exposed, the 7-year gift rule, and a worked example.
Stamp Duty on Second Homes & Buy-to-Let: The 5% Surcharge + Refunds (2026)
Since October 2024 the Stamp Duty surcharge on additional property is 5% on top of standard rates. The bands, when it applies, and how to reclaim it within 3 years. Worked example.
Repairs vs Improvements: What Landlords Can Deduct (2026/27)
Is a new kitchen a repair or an improvement? Repairs are deductible now; improvements are capital and only reduce CGT later. The like-for-like rule, the modern-materials exception and a worked example.
Let Property Campaign: How to Declare Undisclosed Rental Income (2026)
Haven't declared your rental income? HMRC's Let Property Campaign lets landlords come forward voluntarily for lower penalties. The step-by-step disclosure process and how penalties are calculated.
The Accidental Landlord's Tax Guide (2026/27)
Inherited a property, moved in with a partner, or couldn't sell? You're an accidental landlord. The £1,000 allowance, when to tell HMRC, Section 24, and the CGT relief on your former home.
Airbnb & Holiday Let Tax UK 2026: The Complete Host Guide
Since the Furnished Holiday Lettings regime was abolished in April 2025, Airbnb and holiday-let income is taxed as normal property income. The £1,000 allowance, the £7,500 rent-a-room scheme, Section 24, business rates and VAT explained.
The Non-Resident Landlord Scheme (NRLS) 2026
Living abroad and letting UK property? Your agent or tenant must deduct 20% tax from your rent — unless you apply with form NRL1 to receive it gross. How the Non-Resident Landlord Scheme works, step by step.
ATED Explained: Annual Tax on Enveloped Dwellings 2026/27
What ATED is, who pays it, the 2026/27 charges from £4,600, the 30 April deadline, and the rental relief that reduces most company landlords' bill to nil — if you remember to file.
Free MTD Software for Landlords 2026: What's Really Free?
An honest look at free MTD for Income Tax software for landlords — the genuine free tiers, the catches, the spreadsheet-plus-bridging route, and when paying a few pounds a month is cheaper.
MTD Bridging Software for Excel: Keep Your Spreadsheet (2026)
How to stay on your Excel spreadsheet under Making Tax Digital using HMRC-recognised bridging software — what the 'digital link' really means, how submission works, and the rules that catch people out.
Capital Gains Tax Allowance 2026/27: The £3,000 Explained
The CGT annual exempt amount is £3,000 for 2026/27. How the allowance works on a property sale, how couples double it to £6,000, the 18% and 24% rates, and how to use it before you sell.
Do I Need to Declare Rental Income to HMRC? (2026 Guide)
When you must tell HMRC about rental income, the £1,000 property allowance, the register-by-5-October deadline, what happens if you don't declare, and how it ties into Making Tax Digital.
HMRC Approved MTD Software for Landlords 2026
What HMRC recognition actually means for MTD software, and how to check if a tool is on the official compatible software list.
Free MTD Software for Landlords: What's Actually Available
A realistic look at free MTD options for UK landlords — what's genuinely free, what's freemium, and when paying makes more sense.
CGT Calculator 2026/27 — Capital Gains Tax on UK Property
Calculate Capital Gains Tax on your UK property sale. Covers PRR with the final 9-months rule, post-2020 lettings relief, joint ownership splits and the 60-day HMRC reporting deadline.
Landlord Tax Calculator 2026/27
Calculate your rental profit, Income Tax bill, and National Insurance for 2026/27. Accounts for Section 24, personal allowance, and both tax bands.
Do I Need MTD for My Rental Income?
Find out if MTD for Income Tax applies to your rental income. The £50,000 threshold, joint ownership rules, and what UK landlords must do before April 2026.
MTD Bridging Software for Landlords: Complete Guide 2026
What MTD bridging software does, who needs it, and how it compares to full MTD software for landlords. Updated for April 2026.
MTD Landlord Checklist: 15 Steps to Be Ready by 2026
15-point MTD readiness checklist for UK landlords. Covers digital records, bank CSV exports, HMRC sign-up, SA105 categories, and quarterly submission workflow.
Section 24 Mortgage Interest Restriction: Landlord's Guide
How Section 24 restricts mortgage interest relief for landlords, what it means for your tax bill, and how to calculate the impact on your rental profit.
How to Submit an MTD Quarterly Update in 2026
Step-by-step guide for UK landlords: gather records, categorise transactions, log in to your MTD software, and submit your quarterly update to HMRC.
Moving from Spreadsheets to MTD: A Landlord's Guide
How to migrate from Excel or Google Sheets to MTD software for landlords. Covers digital link rules, data migration steps, and choosing the right tool.