UK landlord finance & tax guides

Thinking of selling up in 2026? The full exit guide for landlords and agents: vacant possession with the new Section 8 sale ground, selling with a sitting tenant, the capital gains tax bill and 60-day rule, and the one question to answer before you sell at all.

A real UK landlord breaks down the 2026 maths: net yield after Section 24 and the Renters Rights Act, when buy-to-let still works and when it does not. Worked example plus free calculators.

SDLT on a UK buy-to-let in 2026: the 5% additional-property surcharge, the 2% non-resident surcharge, current bands, when first-time buyer relief applies, and the most common ways landlords overpay or trigger HMRC enquiries.

No statutory rule forces a UK landlord to hand a tenant the plumber’s receipt, but HMRC, the Housing Ombudsman and the First-tier Tribunal will all penalise you if you can’t produce it. When you must, when you should, and the 7-year retention rule that catches landlords out.

Allowable repairs vs capital improvements for UK landlords in 2026: the line HMRC actually draws, what counts each side, replacement-of-domestic-items relief, mileage rates and a year-end export your accountant will accept on Self Assessment.

A complete guide to buy-to-let taxation, income tax on rental profits, the mortgage interest restriction, CGT rates, and how to reduce your liability legally.

What cover UK landlords actually need in 2026: buildings, contents, loss of rent, rent guarantee, legal expenses, HMO and unoccupied property. With average premiums and exclusions that catch landlords out.

Making Tax Digital for Income Tax Self Assessment now applies to UK landlords with £50,000+ rental income from April 2026 and £30,000+ from April 2027. Here’s what you must submit quarterly, the software you need, and the penalties for missing a deadline.

Selling a UK buy-to-let in 2026? CGT rates for residential property, the 60-day reporting deadline to HMRC, Private Residence Relief, Letting Relief and the allowance, explained with real numbers.

With MTD ITSA live from April 2026 landlords need HMRC-recognised software. We compare Hammock, Landlord Vision, Xero, FreeAgent and QuickBooks on price, MTD readiness, bank feeds and portfolio features.

BTL mortgage rates in 2026 after the Bank Rate cuts: what 2-year fixes, 5-year fixes and tracker products look like, plus ICR stress tests and product-fee trade-offs. Real numbers for landlords remortgaging.

The gross yield headline hides the real return. This 2026 guide walks through gross, net and after-tax rental yield with worked UK examples and the exact costs landlords forget.

Section 24 inflates your taxable rental profit so much that some landlords pay more tax than they earn in cash. Here’s how phantom income works in 2026 and four legal ways to cut the bill.

Transferring BTLs into a limited company is pitched as a Section 24 cure. But SDLT, CGT and lender consent eat into the savings. Real 2026 numbers with three worked scenarios.