Question 1

Is buy-to-let still worth it in 2026?

Accepted Answer

It can be, but margins are thinner than they were. Higher mortgage rates, Section 24 and the 5% stamp duty surcharge mean many properties only work with a decent yield (often 6%+ gross), a larger deposit, or a limited company structure. Run your numbers with the calculator before you offer.

Question 2

Can landlords deduct mortgage interest?

Accepted Answer

Not as an expense if you own in your own name. Under Section 24 you get a tax credit worth 20% of your finance costs instead. Limited companies can still deduct mortgage interest in full.

Question 3

What is SDLT for a second home in 2025?

Accepted Answer

Since 31 October 2024 the surcharge for additional properties in England is 5% on top of standard rates. From 1 April 2025 standard rates are 0% to £125k, 2% to £250k, 5% to £925k, 10% to £1.5m and 12% above. A £200,000 buy-to-let costs £11,500 in stamp duty.

Question 4

When does Making Tax Digital start for landlords?

Accepted Answer

From 6 April 2026 if your gross property and self-employment income is over £50,000. The threshold falls to £30,000 from April 2027 and £20,000 from April 2028. You'll need compatible software and quarterly updates.

Question 5

Should I buy through a limited company?

Accepted Answer

Often worth considering if you're a higher-rate taxpayer, plan to build a portfolio, or want to reinvest profits. The trade-offs are higher mortgage rates, accountancy costs and tax when you take money out as dividends.

Question 6

Is Section 21 banned?

Accepted Answer

Yes. The Renters' Rights Act 2025 abolishes Section 21 'no-fault' evictions in England from 1 May 2026. Landlords must now use a valid Section 8 ground.

Be a landlord who knows the numbers.

Your landlord toolkit

Know your cash flow before you make an offer

A safe home is a lettable home

The Renters' Rights Act, without the jargon

Common questions