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Top 10 Tax Deductions Every UK Landlord Should Be Claiming

Posted : 22/07/2025 | By Alice Davies

Tax can be one of the trickiest parts of being a landlord, but understanding what you can claim against your rental income is vital. Here are 10 common deductions you shouldn’t overlook.


Image credit: iStock

  1. Mortgage Interest Relief (Basic Rate Only) – Since 2020, landlords receive a 20% tax credit rather than full relief, but it’s still worth claiming.

  2. Letting Agent Fees – All management, tenant-find, and admin costs are deductible.

  3. Accountant Fees – Professional help with tax returns counts as a legitimate expense.

  4. Repairs and Maintenance – Fixing leaks, repainting, or replacing broken items is deductible (but improvements, like adding an extension, aren’t).

  5. Landlord Insurance – Buildings, contents, and rent guarantee insurance all qualify.

  6. Utility Bills and Council Tax – If you pay them instead of the tenant, you can claim the costs.

  7. Ground Rent and Service Charges – Common for leasehold properties.

  8. Travel Costs – Mileage to visit properties or meet tenants can be claimed (keep records).

  9. Legal Fees – Certain legal costs, like evictions or tenancy agreements, are deductible.

  10. Office Costs – Stationery, phone bills, or even part of your home office may be eligible.

Tips for Landlords

  • Keep receipts and maintain good records.

  • Consider software like Xero or QuickBooks to track expenses.

  • Seek professional advice if you’re unsure - HMRC penalties can be costly.

📌 Takeaway: Claiming legitimate expenses can significantly reduce your tax bill. Don’t leave money on the table.