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Estimate the tax on your rental income for 2026/27, including the 20% mortgage interest tax credit and the £1,000 property allowance. Then let our Chartered Certified Accountants file your landlord tax return from £250, VAT included.
Enter your share of the figures for 2026/27. Nothing is stored or sent.
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Fully registered and supervised to act on your behalf.
Individual landlords letting UK property.
One flat or house let out.
Several properties in your own name.
Letting a former home.
Enter your own share of the figures.
Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.
All prices include VAT.
Based on 2026/27 rates for England, Wales and Northern Ireland.
Salary, pension or other income.
Rent received and allowable expenses.
Finance costs for the year.
Tax due on your rental profit.
| Rule | 2026/27 | From 2027/28 |
|---|---|---|
| Property income tax rates | 20% / 40% / 45% | 22% / 42% / 47% |
| Mortgage interest relief | 20% tax credit | 22% tax credit |
| Property allowance | £1,000 | £1,000 |
| Rent a Room relief | £7,500 | £7,500 |
In short: rent minus allowable expenses gives your rental profit. That profit is added to your other income and taxed at your marginal rate. Mortgage interest is not deducted; instead you receive a tax credit of 20% of the interest, limited to your rental profit.
A landlord earns £35,000 from employment, receives £15,000 rent, pays £3,000 of expenses and £6,000 of mortgage interest. Rental profit is £12,000. The extra Income Tax is about £3,045, less a £1,200 finance cost credit, so roughly £1,845 is due.
Property income will be taxed at separate rates of 22%, 42% and 47%, with mortgage interest relief at 22%. Higher-rate landlords should plan now. Our landlord tax returns service files your return, and the Let Property Campaign helps if rent was missed. More on our tax calculators page.
Official guidance: Renting out a property: paying tax
Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.
Work directly with a qualified accountant who knows your affairs, never a call centre.
Responsive support by phone, email and WhatsApp, with clear advice in plain English.
Experienced with Xero, QuickBooks, FreeAgent and Sage, as well as spreadsheet records.
“Wingate have processed my tax returns for some years now & I am more than happy with service provided.”
“As a sole trader, I found tax returns confusing, but Wingate made it simple and stress free.”
“Professional and reassuring when dealing with my CGT obligations. I’d definitely use Wingate again.”
Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.
Request your quoteWhatsApp 0161 531 4179Real reviews from the self-employed, landlords, company directors and families we help with their tax returns and accounts.
Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.
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