Finistry

Landlords Guides

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

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
10 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

Filing Your First Tax Return as a Landlord

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
9 min read

Making Tax Digital for Landlords: Deadlines, Thresholds & Setup

Making Tax Digital for landlords starts 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

What Expenses Can You Claim as a Landlord?

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

Income & Expenses
8 min read

Payments on Account for Landlords Explained

How payments on account work for UK rental income. Understand 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?

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

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