Trusted Local Landlord Tax Return Experts
Landlord Tax Return in Kent
Rental income tax returns for buy-to-let and residential landlords across Kent. We advise on Section 24 restrictions, allowable expenses, and the CGT 60-day reporting rule to keep your tax bill as low as legally possible.
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Years Experience
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Kent towns covered
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Fixed Pricing
Local, reliable, certified
Landlord Tax Returns and Section 24 Advice
Rental income from residential and commercial property must be reported on your annual Self Assessment tax return. Since April 2020, the Section 24 mortgage interest restriction has eliminated the deduction for mortgage finance costs, replacing it with a 20% basic rate tax credit, significantly increasing the tax burden for higher-rate and additional-rate landlords.
At Kent Tax Specialists, we prepare your property income schedule (SA105) with precision, claiming all allowable expenses including repairs, letting agent fees, insurance, and service charges, and advising on the most tax-efficient ownership structure. We assess rent-a-room relief for live-in landlords, furnished holiday letting rules following the April 2025 legislative changes, and Form 17 elections for jointly owned property.
Our guidance covers CGT on eventual property disposal, Stamp Duty Land Tax implications of acquisitions, and voluntary disclosure via HMRC’s Let Property Campaign for landlords with undeclared rental income.
What We Do
Common Landlord Tax Return Jobs We Handle
SA105 property income and expense schedule preparation and submission
Section 24 mortgage interest restriction calculations and tax credit application
Rental profit computation across portfolios with multiple properties
Form 17 jointly owned property income election advice and HMRC filing
Furnished holiday letting status assessment and tax treatment review
Rent-a-room relief (£7,500 annual exemption) application
Stamp Duty Land Tax advice on property acquisitions and additional dwellings supplement
Let Property Campaign disclosure and HMRC voluntary correction submissions
CGT planning and reporting advice for eventual residential property disposal
Why book with us
Why Choose Us for Landlord Tax Return
Fast, Responsive Tax Support
We provide prompt and reliable personal tax support across Kent and Medway, helping clients deal with tax matters quickly and efficiently. Whether you need help with a self-assessment tax return, HMRC correspondence, or personal tax advice, we work to minimise stress and deliver clear solutions without unnecessary delays.
Experienced Personal Tax Specialists
Every case is handled by experienced tax professionals with a strong understanding of UK personal tax regulations. From straightforward tax returns to more complex tax matters, you can rely on accurate guidance, professional service, and attention to detail throughout the process.
Confidential & Professional Service
Personal tax matters require discretion and trust. We provide a confidential and professional service at every stage, ensuring your financial information is handled securely while giving you straightforward advice you can rely on.
Clear Pricing With No Hidden Costs
We believe in honest, transparent pricing with clear costs explained upfront before any work begins. No hidden fees or unexpected charges, just straightforward personal tax support designed to give you confidence and peace of mind.
Comprehensive Personal Tax Services
We offer a complete range of personal tax services, including self-assessment tax returns, capital gains tax, landlord tax support, HMRC enquiries, and tax advice for self-employed individuals. Everything is handled in one place, making the process simple and efficient.
Trusted Across Kent & Medway
We’ve built a strong local reputation for reliable service, professional support, and clear communication. Many of our clients come through repeat business and recommendations, reflecting the trust people place in us to manage their personal tax matters properly.
We’re Here To Help
Your Common Landlord Tax Return Questions Answered
Section 24 prevents landlords deducting mortgage interest as a business expense. Instead, you receive a basic rate tax credit (20%) on interest paid. Higher-rate taxpayers can no longer deduct at 40%. This significantly increases tax bills for leveraged landlords and sometimes creates a loss-making position after tax.
Incorporation can benefit higher-rate taxpayers because companies pay corporation tax (25%) and are not subject to Section 24. However, incorporation triggers SDLT on transferred properties (with potential partnership relief), CGT, and ongoing company compliance costs. The break-even depends on your portfolio, mortgage position, and income. We model the full picture before advising.
When you sell a residential property that is not your main home, you must report the gain and pay any CGT within 60 days of completion. This applies even if you file a Self Assessment return. Missing the deadline triggers automatic penalties. We handle the 60-day return as part of our landlord service.
Allowable expenses: letting agent fees, property management costs, repairs and maintenance (not improvements), building and contents insurance, ground rent, service charges, council tax (if you pay it), utilities included in rent, accountancy fees, and travel to the property for management. Mortgage interest is subject to Section 24 restriction. Capital improvements are not deductible against income.
Rental income is taxed as part of your overall income at your marginal rate: 20% (basic rate), 40% (higher rate), 45% (additional rate). The profit is rental income minus allowable expenses. You must register for Self Assessment if rental income exceeds £1,000.
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