The checklist
- Check your MTD start date. If your gross rent plus self-employment turnover was over £30,000 in 2025/26, you start on 6 April 2027. Use the checker.
- Choose software and a bank account. A separate account for lettings makes quarterly updates far easier.
- Time genuine repairs. Under the cash basis, repairs paid by 5 April 2027 are relieved at 20/40/45%. Don't bring forward work that isn't needed.
- Review pension contributions. They extend your basic rate band and protect your Personal Allowance above £100,000.
- Look at ownership between spouses. Unequal ownership with Form 17 can move income to a lower-rate partner. Read the guide.
- Model your 2027/28 bill. Use the calculator and set money aside.
- Get advice before restructuring. Incorporation and sales have big Stamp Duty and CGT consequences.
Put the dates in your diary
Download our landlord tax calendar. It adds every deadline to your phone in one click.
Sources
- GOV.UK: Making Tax Digital for Income Tax
- HM Treasury: Budget documents, 28 October 2026
- GOV.UK: Declare beneficial interests in joint property and income (Form 17)
Sources last checked 9 November 2026. See all our sources and how we keep pages up to date.
This guide explains general rules for individual landlords in England, Wales and Northern Ireland. It isn't personal tax advice. Check GOV.UK or speak to a qualified adviser before you act.