File your property income
Bring in your rents and costs, get the finance-cost restriction right, and file your SA105 property pages with the rest of your return.
Connect HMRC & your bank
Pull your record from HMRC and your rental income and costs from your connected account — no shoebox of receipts.
Step by step
The same journey, written out — so you can read it at your own pace.
- Connect HMRC & your bank
Pull your record from HMRC and your rental income and costs from your connected account — no shoebox of receipts.
- Import rents & costs
Rents in, allowable expenses out — repairs, agent fees, insurance — with mortgage interest kept separate for the finance-cost rules.
- The SA105 property page
We map it to the SA105 — profit after allowable expenses, with mortgage interest handled as a 20% tax reducer, not a deduction.
- Into your tax calculation
The property profit flows into your SA110, and the mortgage interest becomes a basic-rate tax reducer — exactly as the rules require since 2020.
Common questions
How is mortgage interest treated for landlords?
Since 2020 you can’t deduct residential mortgage interest from rental profit — instead you get a basic-rate (20%) tax reducer. AI TaxPilot applies it correctly so higher-rate landlords aren’t over-relieved.
What is the £1,000 property allowance?
A tax-free allowance for property income. If your rents are under £1,000 you may not need to report them; above it, you can deduct the £1,000 instead of actual expenses if that’s better — the wizard checks which wins.
Landlord tax, sorted
Import your rents and costs, get the finance-cost rules right, and file your SA105 with the rest of your return.
Start freeThis guide is general information, not personal tax advice, and reflects the rules we believe to apply as at June 2026 — rates and thresholds change. Always check your own figures against HMRC and consider a qualified adviser before acting. You remain responsible for the accuracy of anything you file.
Go deeper
The full guides and articles behind this journey.
Who must file, registration and deadlines, payments on account, the supplementary pages, penalties and the 2025-26 allowances.
Stamp duty is only the start. Here is everything that lands between an accepted offer and the keys — across England, Scotland and Wales.
Who is in scope, the April 2026/2027/2028 timeline, quarterly updates, the Final Declaration and the new penalty regime.
More flight plans
File your Self Assessment
From a blank return to filed-with-HMRC in one sitting — your figures pulled in, the maths checked, the SA100 submitted.
Build & file your company accounts
Turn a year of bank transactions into FRS 105 micro-entity accounts and file the iXBRL to Companies House — without a spreadsheet in sight.
File your Corporation Tax (CT600)
Carry your accounts into the CT600, let us handle marginal relief and the adjustments, and file the return plus computation to HMRC.