Resources
Guides for people who actually own the buildings.
Also try the free calculators.
From the original blog
Calculators
Buy to Let Mortgage Calculator UK
Work out how much you can borrow on a UK buy-to-let mortgage, including rental cover (ICR), deposit and estimated monthly payments.
7 min read
Rental Yield Calculator UK
Calculate gross and net rental yield for UK buy-to-let properties, with costs, voids and a simple worked example.
7 min read
Landlord Tax Calculator UK
Estimate UK tax on rental income for individual landlords, including Section 24 mortgage interest relief and basic vs higher rate.
8 min read
Buy to Let Stamp Duty Calculator
Estimate stamp duty land tax on a UK buy-to-let purchase, including the additional dwelling surcharge.
6 min read
Interest Coverage Ratio for Buy to Let
What ICR means for UK buy-to-let lending, typical stress rates, and how portfolio landlords are assessed.
6 min read
Buy to Let Remortgage: What You Could Save
How to estimate savings when remortgaging a UK buy-to-let from a fixed rate onto a new deal or SVR.
6 min read
How to Stress Test a Buy to Let Portfolio
A practical UK guide to stress-testing rental cover across multiple buy-to-let mortgages before rates rise or voids hit.
7 min read
Mortgages
How Much Deposit for a Buy to Let Mortgage?
Typical deposit requirements for UK buy-to-let mortgages, including limited company and HMO lending.
6 min read
How Buy to Let Mortgages Work
A clear UK guide to buy-to-let mortgages: affordability, interest-only lending, fixed rates and lender criteria.
8 min read
Buy to Let Mortgage Rates Explained
What drives UK buy-to-let mortgage rates, fixed vs tracker choices, and how to compare deals beyond the headline rate.
7 min read
Interest-Only Buy to Let Mortgages
Why most UK buy-to-let loans are interest-only, repayment vehicle expectations, and risks at the end of term.
6 min read
Buy to Let Remortgage Guide
When and how to remortgage a UK buy-to-let, including timing before a fix ends and portfolio landlord rules.
7 min read
Portfolio Landlord Rules UK
What UK lenders mean by portfolio landlord, typical four-or-more mortgage thresholds, and what extra info you need.
6 min read
Is Buy to Let Worth It in the UK?
A realistic look at UK buy-to-let returns after Section 24, higher rates, costs and the Renters Rights Act.
7 min read
HMO Mortgages Explained
How HMO mortgages differ from standard buy-to-let in the UK, including criteria, rates and licensing conditions.
6 min read
Commercial Buy to Let Mortgages
When a UK rental needs a commercial or semi-commercial mortgage rather than a standard BTL product.
6 min read
Do You Need a Buy to Let Mortgage Broker?
When a specialist BTL broker helps UK landlords, what they cost, and what to prepare before you speak to one.
6 min read
Stamp Duty on Buy to Let Explained
How the additional dwelling surcharge works on UK buy-to-let purchases and common SDLT pitfalls.
6 min read
Buy to Let vs Residential Mortgage
Why you usually cannot use a residential mortgage to fund a UK rental, and what happens if you do.
6 min read
Understanding LTV on Buy to Let
How loan-to-value works for UK buy-to-let lending and why 75% LTV is still a common ceiling.
6 min read
Mortgage Arrangement Fees on Buy to Let
How to compare UK buy-to-let deals when arrangement fees are added to the loan or paid upfront.
6 min read
How Buy to Let Valuations Work
What surveyors look at on a UK buy-to-let valuation and why the figure can differ from the purchase price.
6 min read
Tracking Mortgage Fixed-Rate End Dates
Why UK portfolio landlords miss remortgage windows and how to track every fixed-rate end date in one place.
6 min read
Head of Mortgages Playbook for Landlords
Treat your UK buy-to-let debt book like a treasury function: maturities, rates, covenants and refinance pipeline.
6 min read
When Your BTL Fixed Rate Ends
When Your BTL Fixed Rate Ends - practical UK landlord guidance for UK landlords.
6 min read
SVR Risk on Buy to Let
SVR Risk on Buy to Let - practical UK landlord guidance for UK landlords.
6 min read
Product Transfer vs Remortgage
Product Transfer vs Remortgage - practical UK landlord guidance for UK landlords.
6 min read
Raising Capital from Buy to Let Equity
Raising Capital from Buy to Let Equity - practical UK landlord guidance for UK landlords.
6 min read
First-Time Landlord Mortgages
First-Time Landlord Mortgages - practical UK landlord guidance for UK landlords.
6 min read
Adverse Credit Buy to Let Options
Adverse Credit Buy to Let Options - practical UK landlord guidance for UK landlords.
6 min read
Expat Buy to Let Mortgages
Expat Buy to Let Mortgages - practical UK landlord guidance for UK landlords.
6 min read
Using Bridging Then Exiting to BTL
Using Bridging Then Exiting to BTL - practical UK landlord guidance for UK landlords.
6 min read
Green Buy to Let Mortgages
Green Buy to Let Mortgages - practical UK landlord guidance for UK landlords.
6 min read
Personal Guarantees on Company BTL
Personal Guarantees on Company BTL - practical UK landlord guidance for UK landlords.
6 min read
Lender Stress Rates Explained
Lender Stress Rates Explained - practical UK landlord guidance for UK landlords.
6 min read
2-Year vs 5-Year BTL Fixes
2-Year vs 5-Year BTL Fixes - practical UK landlord guidance for UK landlords.
6 min read
How to Track Mortgage Renewals
How to Track Mortgage Renewals - practical UK landlord guidance for UK landlords.
6 min read
Mortgages on Low EPC Rentals
Mortgages on Low EPC Rentals - practical UK landlord guidance for UK landlords.
6 min read
Second Charge Loans for Landlords
Second Charge Loans for Landlords - practical UK landlord guidance for UK landlords.
6 min read
Tax
Section 24 Tax Explained for Landlords
How Section 24 restricts mortgage interest relief for UK landlords, with worked tax examples and planning notes.
8 min read
Tax on Rental Income UK
How UK landlords pay tax on rental profits, allowable expenses, payment on account, and Self Assessment basics.
8 min read
Landlord Allowable Expenses UK
A practical checklist of allowable expenses for UK landlords, plus common costs that cannot be claimed.
7 min read
Limited Company Buy to Let: Pros and Cons
When buying UK rental property through a limited company can make sense after Section 24, and when it does not.
8 min read
Limited Company Buy to Let Mortgages
How limited company (SPV) buy-to-let mortgages work in the UK, typical criteria, rates and personal guarantees.
7 min read
Making Tax Digital for Landlords
What Making Tax Digital for Income Tax means for UK landlords, timelines, and how to prepare your records.
7 min read
Non-Resident Landlord Scheme Explained
How the UK Non-resident Landlord Scheme works, tax deducted at source, and applying for gross rent approval.
6 min read
Rent a Room Scheme Guide
How the UK Rent a Room Scheme works, the annual exemption, and when it is better than declaring expenses.
6 min read
Capital Gains Tax on Rental Property UK
How CGT works when you sell a UK buy-to-let, reporting deadlines, reliefs, and records you should keep.
7 min read
Transferring a Rental Property to a Limited Company
The tax and mortgage issues when moving a personally held UK rental into a limited company.
7 min read
Furnished Holiday Let Tax Rules
How furnished holiday let tax treatment has changed for UK landlords and what that means for short lets.
6 min read
Working with an Accountant as a Landlord
What to send your accountant each year, how property schedules should look, and how software reduces fees.
6 min read
Common Landlord Tax Mistakes
Frequent UK landlord tax errors: mixing capital and revenue, missing Section 24 maths, and poor records.
6 min read
Property Income vs Trading: Why It Matters
How HMRC distinguishes investment property income from a trading business, and why landlords should care.
6 min read
An Accountant Rhythm for Landlords
A year-round bookkeeping rhythm for UK landlords so Self Assessment and MTD are not a March scramble.
6 min read
Payments on Account for Landlords
Payments on Account for Landlords - practical UK landlord guidance for UK landlords.
6 min read
Landlord Self Assessment Guide
Landlord Self Assessment Guide - practical UK landlord guidance for UK landlords.
6 min read
Joint Ownership and Rental Tax
Joint Ownership and Rental Tax - practical UK landlord guidance for UK landlords.
6 min read
Interest Relief for Basic Rate Taxpayers
Interest Relief for Basic Rate Taxpayers - practical UK landlord guidance for UK landlords.
6 min read
SPV vs Personal Ownership Compared
SPV vs Personal Ownership Compared - practical UK landlord guidance for UK landlords.
6 min read
Director Loan Accounts in Property Companies
Director Loan Accounts in Property Companies - practical UK landlord guidance for UK landlords.
6 min read
Taking Dividends from a Property Company
Taking Dividends from a Property Company - practical UK landlord guidance for UK landlords.
6 min read
VAT and Residential Lettings
VAT and Residential Lettings - practical UK landlord guidance for UK landlords.
6 min read
Capital Allowances on Mixed Use
Capital Allowances on Mixed Use - practical UK landlord guidance for UK landlords.
6 min read
Replacement of Domestic Items Relief
Replacement of Domestic Items Relief - practical UK landlord guidance for UK landlords.
6 min read
Travel Expenses for Landlords
Travel Expenses for Landlords - practical UK landlord guidance for UK landlords.
6 min read
Home Office Costs for Landlords
Home Office Costs for Landlords - practical UK landlord guidance for UK landlords.
6 min read
HMRC Record Keeping for Landlords
HMRC Record Keeping for Landlords - practical UK landlord guidance for UK landlords.
6 min read
Choosing an Accountant as a Landlord
Choosing an Accountant as a Landlord - practical UK landlord guidance for UK landlords.
6 min read
Year-End Checklist for Landlords
Year-End Checklist for Landlords - practical UK landlord guidance for UK landlords.
6 min read
Operations
Buy to Let Costs Checklist
All the costs UK landlords forget: voids, maintenance, compliance, insurance, service charges and tax.
6 min read
Landlord Insurance Explained
What UK landlord insurance typically covers, what it does not, and how to choose buildings vs rent guarantee add-ons.
6 min read
Setting the Right Rent
How UK landlords price a rental: comps, yields, tenant demand and the risk of overpricing into void.
6 min read
How to Reduce Void Periods
How to Reduce Void Periods - practical UK landlord guidance for UK landlords.
6 min read
Investment
What Is a Good Rental Yield in the UK?
Gross and net yield benchmarks for UK buy-to-let, and why a 'good' yield depends on region, risk and financing.
6 min read
Buy to Let Investment Strategy for Small Portfolios
A practical strategy framework for UK landlords with 2 to 20 properties: cashflow, risk and refinancing.
7 min read
Refurbishing a Buy to Let: Budgeting Guide
How UK landlords budget light and heavy refurbishments, including voids, contingency and EPC upgrades.
6 min read
Below Market Value Property: Risks for Landlords
Why BMV deals appear in UK property investment marketing, and the due diligence landlords should not skip.
6 min read
How to Become a Landlord in the UK
A step-by-step path from first purchase to compliant letting for new UK buy-to-let landlords.
8 min read
Holding Costs During a Refurbishment
Mortgage, insurance, council tax and utilities you still pay while a UK rental is empty for works.
6 min read
Portfolio Cashflow Forecasting for Landlords
A simple method for UK landlords to forecast rent, mortgage, voids and tax across multiple properties.
6 min read
A CFO View of a Rental Portfolio
The finance metrics UK portfolio landlords should review monthly: ICR, cash runway, concentration and refinance risk.
6 min read
UK Landlord Glossary
Plain-English definitions of the acronyms and terms UK landlords meet: AST, EICR, ICR, SDLT, SPV and more.
7 min read