Tax Tools for Landlords
Everything a UK landlord needs to plan tax on rental income, purchases and sales
Owning rental property in the UK comes with a distinct set of tax rules — from the 5% stamp duty surcharge on additional properties, to Section 24’s restriction on mortgage interest relief, to Capital Gains Tax when you eventually sell. This page brings together every free PayToolkit tool built for landlords, whether you own one buy-to-let or a growing portfolio.
Your toolkit
Where to start
Use the Stamp Duty Calculator (with the buy-to-let surcharge applied) and the Council Tax Band Checker to understand the full cost of a property before making an offer.
The Buy-to-Let Tax Calculator factors in Section 24, showing how mortgage interest relief is now given as a 20% tax credit rather than a full deduction.
Capital Gains Tax is due when you eventually sell, and must be reported within 60 days of completion. Use the Capital Gains Tax Calculator to estimate the bill in advance.
Frequently asked questions
Landlords pay a 5% surcharge on top of standard stamp duty rates when buying an additional residential property, applied to the full purchase price.
Section 24 removed the ability to deduct mortgage interest as a business expense. Instead, landlords receive a 20% tax credit on interest paid, which can significantly increase the tax bill for higher rate taxpayers with large mortgages.
Yes, unless the property has always been your main home. Rates are 18% for basic rate taxpayers and 24% for higher rate, with a £3,000 annual exempt amount. The gain must be reported and tax paid within 60 days of completion.