What expenses can landlords claim?

Allowable expenses typically include repairs and maintenance, letting agent fees, landlord insurance, accounting fees and mortgage interest relief under current HMRC rules (Section 24). We guide you on what is claimable in your specific situation.

What is the £1,000 property allowance and should I use it?

The property allowance lets landlords earn up to £1,000 in rental income tax-free without needing to declare it. However, if your allowable expenses exceed £1,000, it is usually more beneficial to claim actual expenses instead. We help you work out which approach is better for your situation.

How does Section 24 mortgage interest relief work?

Since April 2020, landlords can no longer deduct mortgage interest directly from rental income. Instead, you receive a 20% tax credit on mortgage interest payments. Higher and additional rate taxpayers are most affected. We calculate your position accurately and ensure the correct credit is applied.

What happens if I haven't declared rental income in previous years?

HMRC has a Let Property Campaign that allows landlords to voluntarily disclose undeclared rental income, often resulting in reduced penalties. It is always better to come forward voluntarily than to wait for HMRC to investigate. We can help you get up to date with past years.

What records do I need to keep as a landlord?

HMRC requires landlords to keep records for at least 5 years after the filing deadline. These include rental income records, mortgage interest statements, receipts for repairs and maintenance, letting agent statements, insurance certificates and any other expense evidence. Our Fully Managed Support service handles record collection and retention on your behalf.

Can you also help landlords prepare for Making Tax Digital?

Yes. Landlords with qualifying income will be brought into MTD for Income Tax from April 2027. We can help you prepare your records and reporting process well ahead of the deadline.

Landlord Tax Return Service UK | From £199

Two ways to work with us

Choose the level of support that suits you

Whether you prefer to gather your own documents or want us to handle everything on your behalf, we have a service level to match.

Standard Support — from £199

You provide the documents, we do the tax work. Ideal if you keep organised records or work with a letting agent.

Rental income and expenses reviewed
Allowable deductions and tax position calculated
Section 24 mortgage interest credit applied
Self Assessment return prepared and submitted
Guidance on what is claimable — no jargon

Fully Managed Support — bespoke fee

You authorise us as your accountant. We contact your agents and third parties directly — you do not need to get involved. Completely stress-free.

We obtain everything on your behalf:

Rental statements and expense documentation
Agent receipts and evidence for remedial works
Renters’ Reform Bill documentation
EPC, Gas Safety and EICR certificates
Deposit protection and compliance records
Tenancy compliance documentation and retention
Cloud record software with compliance reminders — free

You approve the return. We file it. Done.

How it works

Your landlord tax return, step by step

1

Book a free call

We confirm your situation, service level and fixed fee — before any work begins.

2

We gather the documents

You send records directly — or with Fully Managed, we contact your agents and obtain everything.

3

We prepare your return

Rental income, expenses, Section 24 credit and your overall tax position calculated accurately.

4

You approve, we file

Review and approve, then we submit to HMRC. Confirmation sent, records retained.

Standard Support

What you’ll need to provide

For Standard Support, the following documents cover most landlord situations. Not sure what you have? We’ll guide you on the call.

Income records

Rental income summaries or letting agent statements
Any rental income received outside of an agent
Details of any void periods

Finance records

Mortgage interest certificates from your lender
Loan interest statements (if applicable)
Details of any remortgaging costs

Expense records

Repair, maintenance and contractor invoices
Letting agent and management fee invoices
Landlord insurance certificates and premiums
Utility bills where applicable

Previous records

Previous tax returns or HMRC UTR reference
Any HMRC correspondence or notices
Details of any brought-forward losses

Prefer not to gather documents yourself?

With Fully Managed Support, you authorise us as your accountant and we obtain rental statements, expense evidence and compliance documentation directly from your agents. You stay informed without needing to be involved in the admin.

Ask about Fully Managed Support →

Maximising your allowances

Typical allowable expenses for landlords

Many landlords underclaim because they are unsure what qualifies. We ensure every legitimate expense is accounted for.

Property costs

Repairs and maintenance (not improvements)
Decorating between tenancies
Garden maintenance
Cleaning costs

Professional fees

Letting agent and management fees
Accounting and tax return fees
Legal fees for tenant disputes (conditions apply)
Survey and valuation fees (conditions apply)

Insurance and finance

Landlord buildings and contents insurance
Rent guarantee insurance
Mortgage interest (Section 24 credit applies)

Running costs

Utilities where paid by landlord
Council tax during void periods
Telephone and broadband where used for the property
Mileage to the property (conditions apply)

Important dates

Key HMRC deadlines for landlords

Missing deadlines results in automatic penalties. Here are the dates every landlord needs to know.

5 April

End of the UK tax year. Your rental income and expenses for that year are finalised.

31 January

Online Self Assessment filing deadline and payment deadline for tax owed. Late filing incurs an automatic £100 penalty.

31 July

Payment on account deadline (if applicable). HMRC may require advance payments towards your next tax bill.

5 October

Deadline to register for Self Assessment if you are a new landlord who has not filed before.

April 2027

Making Tax Digital for Income Tax begins for landlords with qualifying rental income. Quarterly digital reporting to HMRC will be required.

Ongoing

Records must be kept for at least 5 years after the 31 January filing deadline. Our Fully Managed service handles retention for you.

New or accidental landlord?

We help you start right — not catch up later

Many landlords come to us after inheriting a property, renting out a previous home, or letting a property without realising it needed to be declared. HMRC’s Let Property Campaign allows voluntary disclosure with reduced penalties.

Starting fresh or catching up — we will explain what needs reporting, which years are affected and how to get organised. No jargon.

Book a free call to discuss →

Common situations we help with

First-time landlord — unsure where to start
Accidental landlord — inherited or unexpected rental property
Undeclared rental income from previous years
Multiple properties — portfolio landlord
Rental income alongside employment or self-employment
Landlord approaching MTD obligations from April 2027
Landlord needing help with compliance documentation

Ready to get your landlord tax sorted?

Book a free call and we’ll confirm what records are needed, the right service level for you, your fixed fee and next steps. No obligation.

Book free 15-min call → Send an enquiry

FAQ

Landlord tax questions answered

Yes. If you receive rental income you must report it to HMRC via Self Assessment. You must register if your rental income exceeds £1,000 in a tax year. Failure to declare rental income can lead to penalties and interest charges, so it is always best to act promptly.

The property allowance allows landlords to earn up to £1,000 in rental income per tax year completely tax-free, without needing to declare it. However, if your actual allowable expenses — such as repairs, agent fees and insurance — exceed £1,000, it is usually more beneficial to claim those actual expenses instead. We will work out which approach is better for your individual situation.

Since April 2020, landlords can no longer deduct mortgage interest payments directly from their rental income as an expense. Instead, you receive a 20% tax credit on your mortgage interest payments. This change most significantly affects higher and additional rate taxpayers, who previously received relief at their marginal rate. We calculate your position accurately and ensure the correct credit is applied in your return.

HMRC runs the Let Property Campaign, which allows landlords to voluntarily disclose undeclared rental income. Coming forward voluntarily typically results in lower penalties than if HMRC discovers the issue itself. It is always better to act before HMRC contacts you. We can help you work out what is owed across past years and get you back on track as efficiently as possible.

HMRC requires landlords to retain records for at least 5 years after the 31 January filing deadline for that tax year. Records should include all rental income, mortgage interest statements, repair and maintenance invoices, letting agent statements, insurance documents and any other expense evidence. With our Fully Managed Support service, we handle collection, organisation and cloud-based retention on your behalf, including compliance reminders.

Allowable expenses typically include repairs and maintenance (not capital improvements), letting agent and management fees, landlord insurance, accounting fees, mortgage interest relief under Section 24, utilities where paid by the landlord, and mileage to and from the property where applicable. We guide you through what is claimable in your specific situation to make sure you do not pay more tax than necessary.

Yes — this is exactly what our Fully Managed Support service is designed for. You authorise us as your accountant, and we contact your letting or managing agents directly to obtain rental statements, expense documentation, compliance certificates and any other records needed. You do not need to chase documents or get involved in the admin. Everything is handled, organised and retained, and you simply approve the return before we file.

Yes. Making Tax Digital for Income Tax will apply to landlords with qualifying rental income from April 2027. Under MTD, you will need to keep digital records and submit quarterly updates to HMRC rather than a single annual return. We can help you understand what this means for your situation and get you prepared well ahead of the deadline.

Standard landlord tax return support starts from £199, depending on the number of properties and the complexity of your records. Fully Managed Support, where we liaise directly with your agents and handle all documentation and compliance records, is priced based on your specific requirements. All fees are confirmed clearly before any work begins — no surprises.