Talk shop with UK landlords & tenants
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MTD, Section 24, mortgages, insurance, accountancy.
- Tax & FinanceT. L.Oxford
Making Tax Digital for landlords — software choice?
MTD for income tax is finally biting. I've got 6 properties. Looking at options that will actually import from a compliance/rent tracker. What are you using?
12 replies24d ago - Tax & FinanceS. P.Newcastle
Section 24 mortgage interest — still hurting on higher rate?
Moved into higher rate this year purely because of the add-back. Considering incorporating 4 properties. Anyone regret going Ltd once the accountancy and refinancing bills landed?
12 replies24d ago - Tax & FinanceF. O.Belfast
Capital gains on a property I lived in briefly
Lived in it for 14 months in 2018, rented since. Selling next year. PPR relief calc keeps giving me different numbers depending on the accountant. Anyone been through this cleanly?
10 replies24d ago - Tax & FinanceY. K.London
Company van for a landlord doing own maintenance?
I do most small repairs myself. Bought a small van. Accountant says it's borderline whether it's an allowable business expense. What was your experience?
10 replies24d ago - Tax & FinanceG. A.Milton Keynes
Repairs vs improvements — new bathroom, deductible?
Ripped out an avocado suite from 1985, put in a modern white one. Same layout. HMRC guidance is fuzzy. Would you claim as repair or capital?
12 replies27d ago - Tax & FinanceRavi K.Slough
MTD for ITSA April 2026 — are you actually ready?
Six months out. I've got three properties (over the £50k threshold) and I'm still using a spreadsheet. Which software are people landing on? Bridging tools or full bookkeeping?
4 replies29d ago - Tax & FinanceG. R. from ReadingReading
MTD for ITSA — which software are you picking?
April 2026 kick-in for over 50k landlords. Looking at Hammock vs FreeAgent vs Xero. Anyone tested Hammock properly?
4 replies29d ago - Tax & FinanceSimon T.Milton Keynes
Allowable expenses — 2026 refresher, what am I missing?
Doing my books ahead of MTD. Repairs, letting agent fees, gas cert, insurance, service charge. What else are people routinely claiming that I might not have thought of?
4 replies1mo ago - Tax & FinanceC. D. from LondonLondon
Section 24 mortgage interest — any planning that still works?
LTD company for new purchases obvious. What about existing personal portfolios — incorporation still worth the SDLT hit?
3 replies1mo ago - Tax & FinanceAisha R.Birmingham
Section 24 + remortgage rate hit = am I actually making money?
Just remortgaged one flat and the numbers don't work anymore once you tax-adjust. Is anyone else quietly selling one or two and consolidating? Not a doom post, just want a reality…
5 replies1mo ago - Tax & FinanceH. Y. from LondonLondon
CGT annual exemption at 3k — timing sales across years
Selling two flats. Splitting completion across April to double the allowance. Silly or sensible?
3 replies1mo ago - Tax & FinanceM. A. from BristolBristol
Remortgaging a limited co portfolio — best broker 2026?
My usual broker retired. Ideally someone who actually gets SPV lending. Recommendations?
3 replies2mo ago - Tax & FinanceC. T. from NorwichNorwich
Capital gains on selling a rental — the 60 day rule catches people
Sold a flat, missed the 60 day CGT reporting deadline by 3 weeks. Anyone had HMRC be reasonable about the penalty?
6 replies2mo ago - Tax & FinanceG. E. from BlackpoolBlackpool
Landlord insurance — best value for portfolio cover?
Portfolio policy premium doubled at renewal. 4 properties, no claims in 10 years. Broker says market is hard. Any brokers people recommend?
4 replies3mo ago - Tax & FinanceM. K. from SwanseaSwansea
Wear and tear allowance — what am I actually claiming?
Confused what counts as replacement of domestic items relief vs improvement. New washing machine, like for like — allowable, right? What about upgrading from a builder's kitchen t…
4 replies3mo ago - Tax & FinanceC. T. from NorwichNorwich
Accountant fees — what's fair for a small portfolio?
3 properties, personal name. Being quoted £750 for annual return + advice. Sound right?
6 replies4mo ago - Tax & FinanceI. C. from ReadingReading
Section 24 — still switching to Ltd Co?
Been running personally for 15 years. Section 24 has eaten most of the profit on higher rate. Weighing up SDLT hit vs long term. Anyone regretted incorporating?
4 replies4mo ago - Tax & FinanceD. W. from NewryNewry
Making Tax Digital — actually ready?
MTD for landlords with rental income over the threshold is looming. Anyone tried the software options — Hammock, Landlord Studio, others? Which is least painful?
5 replies5mo ago - Tax & FinanceS. A. from FalkirkFalkirk
Mortgage product transfer — worth the fee?
Fix is up. Rates are ugly. Current lender offering product transfer without full underwriting. Broker says to shop around. What's saved you the most recently?
5 replies7mo ago