Cheap Tax Returns Service for Landlords
Managing rental income and staying compliant with HMRC can be challenging for landlords. Our cheap tax returns service for landlords is designed to make landlord tax filing simple, accurate, and fully HMRC-compliant without the high accountant fees.
We provide affordable landlord tax returns in the UK, helping residential and buy-to-let landlords submit their Self Assessment tax returns on time while maximising allowable deductions.
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Our clients trust us to simplify tax returns, maximise savings, and ensure full compliance with HMRC rules.
Why Choose Our Cheap Tax Returns Service for Landlords?
Choosing the right accountant is essential for staying compliant and tax-efficient as a landlord. Our cheap landlord tax returns service combines affordability with specialist expertise, ensuring your rental income is handled accurately and in line with HMRC requirements.
Specialist Landlord Tax Expertise
Our specialists understand UK landlord tax rules, FHL abolition changes, and Non-Resident Landlord Scheme requirements.
Maximising Allowable Deductions
We identify and claim every allowable landlord expense to legally reduce taxable rental profits under HMRC rules.
HMRC Compliance & Deadlines
We manage Self Assessment accurately, ensuring correct reporting and on-time HMRC submission to prevent penalties.
Property Tax Planning Support
We provide strategic guidance on rental income tax, property structuring, and Capital Gains Tax for landlords.
What’s Included in Our Cheap Tax Returns Service for Landlords?
Our cheap tax returns service for landlords provides a complete, HMRC-compliant solution for reporting rental income accurately and efficiently. We handle the full preparation and submission of your Self Assessment tax return, ensuring all income is declared correctly while maximising legitimate deductions.
We prepare and file SA100 and SA105 forms, calculate allowable expenses, and submit your return to HMRC on time so you stay compliant and penalty-free.
Rental Income Calculation
We calculate all rental income from UK properties, including income from jointly owned or overseas rental properties where applicable.
Allowable Expense Management
We identify and claim all allowable landlord expenses, including maintenance, repairs, utilities, letting agent fees, and insurance costs.
Replacement of Domestic Items Relief
We calculate relief for replacing domestic items such as furniture, appliances, and furnishings in rental properties.
Capital Gains Tax (CGT) Reporting
We report Capital Gains Tax on the disposal of property, shares, or other chargeable assets where required.
Final Review & HMRC Submission
A dedicated accountant reviews your return, ensures full HMRC compliance, submits it, and provides a copy for your records.
Advice on Tax Changes & MTD
We provide guidance on landlord tax changes, including mortgage interest relief updates and preparation for Making Tax Digital (MTD).
How UK Landlords File Their Self Assessment Tax Return?
Filing a Self Assessment tax return is a legal requirement for landlords in the UK who earn rental income from their properties. Landlords must declare all income received from letting properties and deduct allowable expenses to calculate their net rental profits. Typically, this is done using forms SA100 and SA105, with the SA105 form dedicated to property income. Landlords who submit online can enter their information digitally, while paper submissions require manually completing both forms.
To file, landlords must first register for HMRC Self Assessment if gross rental income exceeds £1,000 per tax year or if they have other taxable income. Once registered, HMRC issues a Unique Taxpayer Reference (UTR), which is essential for submitting the tax return. The deadline for online submissions is 31 January following the end of the tax year, while paper returns must be filed by 31 October.
Many landlords choose to use a cheap tax returns service for landlords to simplify this process. Professional accountants ensure all income is declared correctly, deductions are maximised, and the submission complies with HMRC regulations. Online filing is generally faster, reduces errors, and allows landlords to track their tax calculations digitally. Using affordable services ensures landlords meet deadlines, avoid penalties, and remain compliant without incurring high accountancy fees.
Whether you manage a single property or a portfolio of buy-to-let homes, a cheap landlord tax returns service provides peace of mind and a streamlined, accurate tax filing process.
Allowable Expenses and Tax Relief for Landlords
UK landlords are only taxed on net rental profits, meaning rental income minus allowable expenses. Claiming all legitimate deductions is essential to reduce taxable profits and avoid overpaying HMRC. Common deductible costs include property repairs, maintenance, letting agent fees, landlord insurance, service charges, and accountancy or solicitor fees. Landlords must maintain clear records, including receipts, invoices, and bank statements, to support their claims in case of HMRC inquiries.
Certain reliefs can further reduce tax liability. For example, the Replacement of Domestic Items relief allows landlords to deduct the cost of replacing furniture, appliances, and furnishings in rental properties. Mortgage interest tax relief is available depending on whether the property is owned personally or through a limited company, with only interest payments being deductible rather than the full mortgage. Landlords should also account for capital gains on property sales and any other specific reliefs, such as Rent a Room or Furnished Holiday Letting (FHL) allowances.
Using a cheap landlord tax returns service ensures that all allowable expenses are claimed correctly while remaining fully HMRC-compliant. Professional accountants guide landlords through the complex rules, maximise tax efficiency, and make the Self Assessment process straightforward. This approach saves time, reduces errors, and ensures that property owners pay only the tax they owe. Whether managing a single property or multiple buy-to-let investments, affordable services help landlords maintain accurate records and optimise their tax position legally.
Common Mistakes Landlords Make on Tax Returns
Many landlords make avoidable errors on their tax returns, often leading to overpaid tax, HMRC penalties, or compliance issues. These mistakes usually arise from misunderstanding allowable expenses, mortgage interest relief rules, or reporting requirements for rental income.
Confusing Capital Expenses with Revenue Costs
Landlords can deduct revenue expenses such as repairs and maintenance, but capital improvements like extensions or new kitchens must be offset against Capital Gains Tax.
Incorrect Mortgage Interest Deduction
Since 2016, landlords cannot deduct full mortgage payments. Only 20% tax relief on mortgage interest is allowed under current HMRC rules.
Improper Mileage and Travel Expense Claims
Claiming full fuel costs instead of the approved 45p per mile (for the first 10,000 miles), or failing to keep accurate travel records, is a common error.
Missing Legitimate Allowable Expenses
Many landlords forget to claim smaller but allowable costs, including insurance, letting agent fees, accountancy fees, and professional charges.
Poor Record Keeping
Failing to keep receipts and financial records for at least five to six years can cause serious issues during an HMRC enquiry.
Avoid Costly Landlord Tax Errors
Avoiding these mistakes requires accurate record-keeping, a clear understanding of repairs versus improvements, and up-to-date knowledge of HMRC landlord tax rules.
How the Landlord Tax Return Process Works in the UK
UK landlords must pay Income Tax on their rental profits, not total rental income. Using a cheap landlord tax returns service helps ensure your return is completed correctly, submitted on time, and fully compliant with HMRC rules. Landlords must register for HMRC Self Assessment and file an annual tax return reporting rental income and allowable expenses. The deadline for online filing and payment is 31 January following the end of the tax year.
Determine Your Taxable Rental Income
Landlords are taxed on profit, calculated as rental income minus allowable expenses such as repairs and management fees. A £1,000 property allowance is available, but claiming actual expenses is usually more beneficial.
01
Register for HMRC Self Assessment
If your gross rental income exceeds £2,500 (or £1,000 when using the property allowance), you must register with HMRC by 5 October following the end of the tax year.
02
Receive Your UTR Number
After registration, HMRC issues a Unique Taxpayer Reference (UTR), typically within 10–21 working days, which is required to file your landlord tax return.
03
Complete SA100 and SA105 Forms
The SA100 is the main Self Assessment return, while the SA105 (UK Property) form details rental income, allowable expenses, and taxable profits.
04
Submit Your Landlord Tax Return
Online landlord tax returns must be submitted by 31 January following the tax year end. Using cheap tax returns for landlords ensures accurate, timely filing.
05
Pay Any Tax Due
Income Tax is charged at 20%, 40%, or 45%, depending on your total income. Payments on account may also apply for the following tax year.
06
FAQs about Cheap Tax Returns Services for Landlords
Our cheap tax returns services for landlords help property owners across the UK file their Self Assessment tax returns accurately, efficiently, and affordably. These services are designed for landlords who want to stay fully HMRC-compliant, maximise allowable deductions, and reduce the risk of errors or penalties.
Do landlords need to file a tax return in the UK?
UK landlords must file a Self Assessment tax return if they earn rental income, declaring profits, allowable expenses, and paying any tax due annually.
What is a cheap landlord tax returns service?
A cheap landlord tax return service provides professional preparation, accurate HMRC submission, expense optimisation, and compliance support at a lower cost than traditional accountants.
What expenses can landlords claim on tax returns?
Allowable expenses include repairs, maintenance, letting agent fees, insurance, accountancy costs, and replacement domestic items, which reduce taxable rental profits legally.
When is the deadline for landlord tax returns?
Landlord tax returns must be filed online by 31 January following the tax year, with HMRC Self Assessment registration required by 5 October.
Do landlords need to report Capital Gains Tax?
Yes, landlords can claim Capital Gains Tax reporting when selling property, ensuring gains, reliefs, and allowances are calculated correctly and reported to HMRC.
Why use cheap tax returns for landlords?
Using a cheap tax returns for landlords service reduces errors, saves time, ensures HMRC compliance, and helps maximise deductions without paying high accountant fees.
Do cheap landlord tax services handle buy-to-let properties?
Yes, most cheap tax returns services for landlords cover buy-to-let properties, including single or multiple properties, joint ownership, and mortgage interest tax relief calculations.
Can cheap tax return services help reduce my tax bill?
Yes, cheap landlord tax return services identify allowable deductions and reliefs, helping reduce taxable rental profits legally while ensuring full compliance with HMRC rules.