Landlords
Tax help for landlords
Rental profit is added to your other income, and mortgage interest only gets basic-rate relief. See what you'll owe and find an accountant who knows property.
- Estimate tax on your rental profit
- Understand the mortgage interest restriction
- Check whether MTD applies to your rental income
- Find an accountant who specialises in landlords
Work out where you stand
£
Letting fees, repairs, insurance, etc. Don't include mortgage interest.
£
£
Salary, pension or self-employed profit
£
Your estimate
£2,946
extra tax a year because of your rental income
Taxable rental profit£15,500
MethodActual expenses
Mortgage interest tax reduction£1,200
Tax on rental income£2,946
Left after costs and tax£6,554
- Mortgage interest isn't deducted from rental profit. You get a tax reduction at the basic rate instead.
- If the £1,000 property allowance gives a lower bill, we use it, but then expenses and the interest reduction can't be claimed.
- Assumes you own the property in your own name, not through a company or jointly.
For guidance only, not tax advice. Based on 2026 to 2027 rates, last checked 3 November 2026.
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