Landlord Allowable Expenses Checker | Ihelm Enterprises Limited

Why this matters

As a UK residential landlord you can deduct costs incurred wholly and exclusively for your rental business from your rental income before tax is calculated. In our experience, smaller costs such as safety certificates, service charges and travel are regularly missed — which simply means paying more tax than you need to.

Work through each section below. Answer honestly — where you select No, we'll explain what you might be missing.

Mortgage interest isn't deducted in full for individual landlords — relief is usually given as a 20% tax reduction instead, and capital repayments attract no relief at all.
Replacement of domestic items relief covers like-for-like replacements of furniture and appliances — not the initial purchase.
Keep records for at least five years after the 31 January submission deadline for the relevant tax year.
MTD ITSA now applies to landlords with qualifying income over £50,000 — digital records and quarterly updates are required, with the £30,000 threshold following from April 2027.

A quick reminder — you can't claim these

The cost of buying the property
Mortgage capital repayments
Extensions and major improvements
Loft conversions and conservatories
Luxury upgrades beyond replacement
Personal (non-business) travel
Your own time and labour
Personal household expenses

Your result

Answer the items above to see your assessment.

Worth a second look — possible missed claims and record gaps:

Not sure what you can claim?

We're here to take the stress out of your rental accounts — from quarterly MTD ITSA updates to your year-end figures. Get in touch and we'll be happy to help.

Email info@ihelm-enterprises.co.uk

This tool is provided for general information only and does not constitute tax advice. Allowable expenses depend on your individual circumstances, and tax rules can change; the information above reflects our understanding of the rules for the 2026/2027 tax year as at August 2026. Please seek professional advice before relying on it. © 2026 Ihelm Enterprises Limited · Bookkeeping, Payroll, Website Hosting, Website Maintenance and Bespoke Programming.