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

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

For many UK landlords, owning rental properties personally used to be the obvious choice. But tax changes introduced over the last few years - especially around mortgage interest relief - have led more landlords to consider purchasing or holding buy-to-let properties through a limited company instead. While a limited company structure is not right for everyone, it can offer significant advantages in the right circumstances. Here are some of the key benefits landlords should u