Tax help for landlords: who we can help

Situations we can help with

The tax on your rent depends on how you let, who owns the property and where you live. Find the situation closest to yours below. Each one points to the guide that covers it in detail.

Your first rental property

Property income of £1,000 or less a year, before expenses, does not need to be declared because the property allowance covers it. Above that you must tell HMRC, normally by registering for Self Assessment by 5 October after the tax year ends. The guide to your first landlord tax return covers registering, records and the dates that matter.

Letting a room in your own home

If you let furnished accommodation in the home you live in, Rent a Room relief lets you receive up to £7,500 a year tax free. The guide to the Rent a Room Scheme explains who qualifies, and the calculator compares the relief with claiming your expenses.

Owning property jointly

If you own a rental property with someone else, you pay tax on your own share of the profit, at the rates your own income reaches. Married couples and civil partners who live together are usually taxed in equal shares. Tax on rental income: how much you pay shows how the profit is worked out, and the calculator handles any ownership split.

Landlords with a mortgage

Mortgage interest is not deducted from your rent. Under Section 24 you get a tax credit of 20% of the interest instead, which can leave higher rate taxpayers paying more tax than they expect. The guide to Section 24 mortgage interest relief shows how the credit is limited and how unused interest is carried forward.

Landlords in Scotland

If your main home is in Scotland, your rental profit is taxed at Scottish income tax rates, which use more bands than the rest of the UK. The guide to rental income tax in Scotland sets out the bands and shows where your profit falls.

Landlords reaching Making Tax Digital thresholds

Making Tax Digital for Income Tax applies to qualifying income over £50,000 from 6 April 2026, over £30,000 from 6 April 2027 and over £20,000 from 6 April 2028. Qualifying income is your gross income from self-employment and property before expenses. The guide to Making Tax Digital for landlords explains how to check whether and when it applies to you.

If you would rather hand it over

Everything on this site gives estimates, not tax advice. If you would rather someone prepared and filed your return, see our landlord tax services.