At Ripple Tax, we make landlord tax submissions simple, accurate, and stress-free. Whether you’re a first-time landlord or managing multiple rental properties, we ensure your rental income is reported correctly — helping you avoid penalties and claim all the allowable expenses you’re entitled to.
Our tax specialists handle everything from reviewing your property income and expenses to preparing and submitting your HMRC tax return on your behalf. With our expert support, you’ll stay fully compliant and have complete peace of mind — quickly, confidently, and without hassle.
Property tax is complicated — but it doesn’t have to be. Whether you’re filing a tax return, weighing up a limited company structure, or looking for smarter ways to reduce your tax bill, we’re here to make the process simple and stress-free.
We’re not just accountants — we help look after our clients as family. That means our advice is grounded in real-world experience, delivered in plain English, and tailored to your goals. We understand what works because we’ve done it too.
Landlords are once again facing a new wave of tax increases — and it’s crucial to understand how these changes might affect your income and long-term property strategy.
Here’s a breakdown of the key updates:
If your rental property is held in your own name, new income tax bands of 22%, 42%, and 47% will apply. This means many landlords will face a higher tax bill on their rental profits.
While corporation tax remains unchanged, the dividend tax rate will rise by 2%.
Depending on your total income, the new rates will be:
10.75%
35.75%
39.35%
This change affects all company owners, not just landlords — a subtle but significant shift that reduces the tax efficiency of paying yourself through dividends.
Early calculations suggest that for many self-employed landlords, operating as a sole trader may now be more tax-efficient than using a limited company structure.
MTD for ITSA replaces the traditional annual Self Assessment tax return with a new, digital system. The main requirements are:
Digital Records: Landlords must use HMRC-approved software to digitally record all property income and expenses. Manual spreadsheets alone are not sufficient unless they are linked to HMRC via bridging software.
Quarterly Updates: Instead of one annual return, landlords must submit a summary of their total income and expenses to HMRC every three months (quarterly).
Final Declaration: At the end of the tax year, a final declaration (replacing the End of Period Statement) must be submitted by the standard 31 January deadline to finalise the tax position and include any other non-property income.
Penalties: A new points-based penalty system will be introduced from April 2026 to penalise missed deadlines.
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