Finistry

Landlords Guides

Property income guidance for buy-to-let landlords and rental property owners.

7 min read

Joint Property Ownership Tax: How UK Landlords Split Income

How jointly owned rental property is taxed in the UK. Covers income splitting rules, Form 17 for married couples, expenses, and MTD. Track your share easily.

Special Cases
8 min read

Property Allowance Explained: £1,000 Tax-Free Rental Income

How the £1,000 property allowance works for UK landlords. When to use it, when to claim expenses instead, who qualifies, and how to report it on your tax return.

Getting Started
8 min read

Replacement of Domestic Items Relief for Landlords Explained

How replacement of domestic items relief works for UK landlords. What qualifies, the like-for-like rule, upgrade costs, and worked examples for your return.

Income & Expenses
9 min read

Landlord Tax Changes from April 2027: What's Coming

Landlord tax changes from April 2027 include a 2% property income tax rate increase, new personal allowance rules, and a lower MTD threshold. Prepare now.

Special Cases
9 min read

Capital Gains Tax on Rental Property: A Guide for UK Landlords

Learn how Capital Gains Tax applies when you sell a rental property in the UK. CGT rates, the 60-day rule, reliefs, and how to calculate your gain step by step.

Special Cases
9 min read

Landlord Repairs vs Improvements: What You Can Deduct

Landlord repairs vs improvements — which property costs are tax-deductible? See HMRC rules, real examples, and how to categorise your expenses correctly.

Income & Expenses
12 min read

Mortgage Interest Relief for Landlords: Section 24 Explained

See how Section 24 restricts mortgage interest relief for landlords with worked examples at basic and higher rate. Find out which finance costs qualify.

Income & Expenses
8 min read

Landlord Tax Records: What to Keep and For How Long

A practical checklist of what records to keep as a UK landlord. Monthly, quarterly, and annual tasks to stay organised for Self Assessment and HMRC enquiries.

Records & Evidence
8 min read

Landlord Tax Return: How to File Your First Self Assessment

A step-by-step guide to filing your first Self Assessment tax return as a UK landlord. From registration to submission, with SA105 property pages explained.

Filing & Submissions
10 min read

Making Tax Digital for Landlords: Deadlines, Thresholds & Setup

Making Tax Digital for landlords is live from April 2026. Check income thresholds, quarterly update deadlines, and how to set up MTD-compatible software.

Payments & Deadlines
7 min read

Rent-a-Room Scheme: How to Earn £7,500 Tax-Free

How the Rent-a-Room scheme works in the UK. Earn up to £7,500 tax-free by letting a furnished room in your home — eligibility, limits, and when to opt out.

Special Cases
9 min read

Allowable Landlord Expenses: What Can You Claim?

A clear breakdown of allowable expenses for UK landlords, including repairs, insurance, agent fees, and how mortgage interest relief works after Section 24.

Income & Expenses
8 min read

Payments on Account for Landlords: How Tax Instalments Work

How payments on account work for UK rental income. The two instalments, due dates, how to reduce them, and what happens in your first year as a landlord.

Payments & Deadlines
8 min read

When Is Rental Income Taxable in the UK? Thresholds Explained

Find out when you need to pay tax on rental income in the UK. Covers the £1,000 property allowance, Self Assessment registration, and reporting rules.

Getting Started

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