AI TaxPilot
🏠 Solution🇬🇧 UK

Landlord & property tax software

Track your rents and costs, get the mortgage-interest rules right, and file your SA105 property pages — for one flat or a portfolio.

20%
Mortgage-interest tax reducer, applied right
£1,000
Property allowance checked
60 days
CGT reporting on a sale, handled
The problem

Landlords track rents and allowable expenses across properties, apply the finance-cost restriction (no more deducting mortgage interest in full), and file SA105 property pages — with Capital Gains Tax on top when they sell.

How AI TaxPilot solves it

AI TaxPilot imports your rents and costs from your bank, gets the residential finance-cost rules right (a 20% tax reducer, not a deduction), checks the property allowance, and files your SA105 with the rest of your return.

See it in action

A 36 seconds walkthrough of the real journey, end to end.

Step 1 of 4

Connect HMRC & your bank

Pull your record from HMRC and your rental income and costs from your connected account — no shoebox of receipts.

What you get

Rents & costs from your bank

Rental income in, allowable expenses out — repairs, agent fees, insurance — categorised for you.

Finance-cost restriction

Mortgage interest applied as a basic-rate (20%) tax reducer, so higher-rate landlords aren’t over-relieved.

Property allowance

The £1,000 allowance checked against your actual expenses — whichever leaves you better off.

Portfolio-ready

One flat or a portfolio — multiple properties rolled into your SA105 totals.

SA105 filing

Property pages prepared and filed with the rest of your Self Assessment return.

CGT on disposal

Capital Gains Tax on a sale calculated, with the 60-day UK residential reporting handled.

Calculators included

Free with your account, alongside the AI assistant and filing.

Income TaxSelf AssessmentCapital GainsStamp Duty (SDLT)

Learn the rules

Plain-English, sourced guides behind this solution.

Frequently asked questions

Can I still deduct mortgage interest as a landlord?

Not from residential rental profit — since 2020 you get a basic-rate (20%) tax reducer instead. 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. Under £1,000 you may not need to report it; above it you can deduct the £1,000 instead of your actual expenses if that’s better — the wizard checks which wins.

Do landlords have to use Making Tax Digital?

Landlords with qualifying property income over the MTD thresholds (£50,000 from April 2026, then £30,000, then £20,000) must keep digital records and send quarterly updates.

Do I pay tax when I sell a rental property?

Yes — Capital Gains Tax on the gain, reportable and payable within 60 days of completion for UK residential property. AI TaxPilot calculates it and includes it in your return.

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 free

No card required.

This 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.

More solutions