From setting up your business and choosing the right bank account, to navigating Making Tax Digital and rental income tax. Everything in one place.
What we cover
Practical, up-to-date guides focused on the business side of being a UK landlord. No fluff.
MTD for Income Tax is live from April 2026. Find out what quarterly reporting means for you and how to get compliant fast.
Should you hold your properties personally or through a limited company? We break down the tax implications, costs and mortgage access.
The best business accounts for landlords, whether you're a sole trader or running a property limited company. Fee comparisons included.
How much tax do landlords actually pay? Income tax bands, allowable deductions and Section 24, explained clearly with worked examples.
A full list of costs you can deduct from your rental income: repairs, insurance, management fees, professional services and more.
New to landlording? Our step-by-step guide covers everything from registering with HMRC and setting up a bank account to your first tenancy.
Making Tax Digital
From April 2026, landlords earning over £50,000 must submit quarterly updates to HMRC digitally. It's the biggest change to landlord tax reporting in decades.
💡 A dedicated business bank account is the simplest way to keep your income and expenses organised for MTD quarterly reporting.
Business Structure
The right structure depends on your income, number of properties and long-term plans. Since Section 24 removed mortgage interest relief for personal landlords, many have moved to a limited company.
Full comparison guide| Factor | Sole Trader | Ltd Company |
|---|---|---|
| Income tax rate | Up to 40-45% | 19-25% Corp Tax |
| Mortgage interest | 20% tax credit only (Section 24) | Fully deductible |
| Admin burden | Low | Higher (accounts, CT600) |
| Mortgage access | Easier | Fewer lenders, higher rates |
| Extracting profit | Straightforward | Dividends + salary |
Top guides
Start with the guides that matter most right now.
Everything you need to know about MTD ITSA: what's changing, the quarterly reporting process, and which software to use.
We compare the top business accounts, from traditional banks to digital-first options, and explain what landlords should actually look for.
A side-by-side tax breakdown of holding property personally versus through a limited company, with worked examples for different income levels.
All guides
All published landlord guides in one place, grouped around tax, setup, banking and compliance.
Start dates, thresholds, quarterly updates and how to prepare for MTD for Income Tax.
What to look for in landlord-focused software for digital record-keeping and quarterly submissions.
Income tax bands, worked examples, finance cost rules and the main ways landlord tax is calculated.
How landlord tax returns work, filing deadlines, registration and what HMRC expects you to report.
What costs landlords can deduct, where HMRC draws the line, and the repair versus improvement test.
How the mortgage interest restriction works and why it matters most for higher-rate landlords.
When CGT applies, how gains are calculated and what landlords need to report after a sale.
A practical comparison of personal ownership and company structures for UK landlords.
How limited company ownership works for landlords, including tax, admin and borrowing implications.
What an SPV is, why lenders use it and how it fits into property company borrowing.
Buy-to-let mortgage basics, affordability, deposits and the main lender expectations.
A comparison of landlord-friendly business accounts, including limited company and SPV use cases.
When a dedicated account is required, when it is just sensible, and how it helps with MTD.
A first-time landlord guide covering compliance, setup, costs, mortgages and tenant onboarding.
The core legal, safety and maintenance duties private landlords need to stay on top of.
What the proposed and current reforms mean for notices, tenancy management and compliance.
Minimum EPC rules, future tightening and what landlords need to fix before a property can be let.
How the additional dwelling surcharge works and what it does to total acquisition cost.
FAQ
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Compare landlord-friendly business bank accounts, understand when a dedicated account is required, and plan your setup before quarterly reporting starts.