Whether you’re letting out a single buy-to-let or managing a growing portfolio, being a landlord in the UK comes with a clear tax responsibilities. Rental income must be reported accurately to HMRC through a Self Assessment tax return.
At UK Tax Returns we provide specialist rental tax return services designed specifically for UK resident landlords — backed by professional advice to help you stay compliant, reduce unnecessary tax, and plan for the future.
We take care of everything — from preparing your rental accounts to filing your Self Assessment return with HMRC, ensuring accuracy and peace of mind.
We collate your monthly statements, organise rental income and expenses, and liaise with your letting agent where needed.
We are qualified tax professionals based in the UK, and always at the end of the phone. Real, down-to-earth, lovely people who work for you – with
no outsourcing!
Whether you own property on your own or jointly, we’ll prepare returns for all parties involved and help track each person’s share of the income.
No hidden extras or surprise charges, with clear fees fully explained and agreed with you from the start for complete clarity.
We’ll guide you through the allowable rental expenses — including repairs, letting agent fees, insurance, the rules around mortgage interest, and more to ensure that you don’t overpay tax.
Yes — if your rental income is more than ?1,000 per year then HMRC requires you to complete a Self Assessment tax return. Even if your income is modest, it's important to report it correctly.
Allowable expenses typically include letting agent fees, repairs and maintenance, insurance, mortgage interest (with restrictions), council tax and utilities if paid by you, cleaning etc. We’ll guide you through exactly what can and can’t be claimed to reduce your tax bill legally and efficiently.
Not in full. Since the rules changed, mortgage interest is no longer a direct allowable expense, but it does carry a 20% tax credit to help reduce any tax bill you may have. We’ll handle this for you and ensure the calculation is correct.
If you own your rental property jointly (e.g. with a spouse), each person must report their share of income and expenses. We offer a reduced rate for preparing the second person’s return alongside yours.
We usually need details of your rental income such as letting agent or bank statements, a breakdown of the expenses, mortgage interest statements, and any agent summaries if you use a letting agent. We’ll let you know exactly what we need and what records you are required to maintain.
If your rental expenses exceed your income, that creates a loss — and it can be carried forward to offset against future rental profits. We'll ensure any rental loss is recorded properly in your return.
Repairs and maintenance are generally allowable — but improvements (like extensions or upgrades) are treated differently and may only be claimable against Capital Gains Tax when you one day sell the property. We’ll explain what qualifies in your case.
Working with UK Tax Returns provides you with the confidence that everything has been handled properly. We know the tax rules inside out; tax legislation changes frequently, and HMRC’s system doesn’t explain, offer helpful prompts, or flag mistakes.
Without specialist knowledge, it’s easy to overlook deductible expenses or misreport income — both of which can lead to overpaid tax or penalties.