E-BOOK
The Landlord’s UK Tax Handbook
Ten chapters on what the tax system does to a rental property, written on 2026/27 rates for individual landlords in England. One worked landlord runs through the whole book: £24,000 of rent, £4,000 of costs, £15,000 of interest, and a tax bill of £3,946 on a real profit of £5,000. Every number is explained where it happens.
- Ten chapters, nine tables, one worked landlord throughout
- Section 24 worked honestly, including where tax exceeds profit
- Chapter nine covers April 2027, which nothing else does yet
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Who this e-book is for
Landlords who want the whole picture once, in order, from what counts as income to the sixty day rule when they sell, rather than assembling it from a decade of half-remembered rule changes.
Your tax bill stopped making sense a few years ago
That was Section 24, and chapter three works it honestly. Interest is not deducted; you are taxed on rent less running costs and handed a 20 per cent reduction. On the worked landlord that costs £2,946 a year, and at £17,000 of interest the tax exceeds the whole profit and the landlord is £546 down on a property that made money.
You keep hearing you should have a limited company
Chapter four gives you the arithmetic instead of the assertion. The company saves £2,996 a year on the worked figures, and moving an existing £300,000 property into one costs about £33,364 in stamp duty and capital gains, which is eleven years of the saving. Buying new inside a company is a different and much better case.
You have not heard what changes in April 2027
Almost nobody has, which is why chapter nine exists. Property income gets its own rates of 22, 42 and 47 per cent, two points above the main rates at every band, because rent carries no National Insurance. On the worked landlord that is another £400 a year on a profit that tax already takes most of.
FACTS
The chapter people will argue with until they check
A same-place kitchen is a repair. Single glazing to double glazing is a repair. An extension is capital, and so is work that made a derelict property lettable, because the price you paid reflected its condition. Chapter six draws the line with ten examples, five on each side.
10 chapters
Nine tables
£3,946
The tax on £5,000 of real profit, explained in full
FACTS
The dates the book turns on
Sixty days from completion to report a sale, with an exemption of £3,000 that was £12,300 three years ago. Thirty-six months to reclaim the surcharge after replacing a main home. And 6 April 2027, when the new property rates arrive. The final chapter puts the whole landlord’s year in order, one page.