Landlords

Being a landlord comes with a tax bill that has grown steadily more complex over the last decade - mortgage interest relief has been cut back, allowances have shrunk, and from 2027 rental income will be taxed at its own higher rates. This guide pulls the whole picture together in plain English: what you're taxed on, what you can claim, what changes are coming, and where the common traps are. It's the hub of our landlord series of simple explainers, so think of it as your star

Owning a rental property with someone else - a spouse, a sibling, a business partner or a friend - changes how the income is taxed, and the rules aren't always what people expect. The most common assumption we hear is that a couple can simply put all the rental income in the name of whoever pays less tax. Unfortunately, HMRC doesn't work that way. This guide explains how jointly owned rental income is actually taxed, the special rule that applies to married couples and civil

HMRC taxes your rental profit, not your rent. That means every allowable expense you claim comes straight off your tax bill - a £1,000 expense saves a basic-rate taxpayer £200, and a higher-rate taxpayer £400. Yet we regularly see landlords doing one of two things: under-claiming and paying more tax than they need to, or over-claiming and risking an HMRC challenge. This guide sets out exactly what you can and can't claim, where the tricky lines fall, and what records HMRC exp