Mortgage Interest Tax Relief Explained for UK Landlords and Property Owners | MTA

Mortgage interest tax relief is one of the most misunderstood areas of UK property taxation, and it continues to catch landlords off guard. In this video, MTA explains how mortgage interest tax relief works for UK landlords, what relief is actually available, and how HMRC applies the rules in 2025-26.

MTA (My Tax Accountant) breaks down the replacement of full mortgage interest deductions with the basic rate tax credit and explains how this affects rental profits, tax bills, and cash flow. Many landlords discover too late that higher interest rates combined with restricted relief can push them into higher tax bands, even when real profits have not increased.

This video also explains why mortgage interest tax relief now has wider implications beyond annual tax returns. MTA highlights how rental property income, restricted relief, and loan balances can influence inheritance tax exposure and estate valuations, particularly where property portfolios fall close to the Excepted Estates thresholds in 2025-26.

MTA explains common HMRC challenges faced by landlords, including incorrect expense claims, misunderstandings around joint ownership, and poor record keeping. These issues often trigger compliance checks and can cause major problems during probate or estate administration if matters are not properly documented.

UK landlords searching for clarity on mortgage interest tax relief, HMRC compliance, inheritance tax risks, and long-term property planning in 2025-26 will find this video especially valuable. MTA focuses on real UK landlord scenarios, helping property owners understand what relief is still available, what planning options exist, and how to avoid costly mistakes.

This content is tailored exclusively for UK landlords and property investors who want to protect rental income, remain compliant with HMRC, and plan efficiently for the future.

Read more expert UK tax guidance from MTA (My Tax Accountant):
https://www.mytaxaccountant.co.uk/

For personalised advice on landlord tax planning, mortgage interest relief, or inheritance tax strategy, contact MTA today.
Phone: 0208 5708531
Email: [email protected]

Disclaimer
The information provided in this video is for general informational purposes only and does not constitute tax, financial, or legal advice. While MTA (My Tax Accountant) aims to reflect UK tax rules applicable in 2025-26, HMRC guidance, interest rates, and individual circumstances may change. MTA accepts no liability for actions taken based on this content. Always seek personalised advice from a qualified UK tax professional before making property or estate-related decisions.

Hashtags

#MortgageInterestRelief
#LandlordTaxUK
#UKPropertyTax
#HMRCCompliance
#BuyToLetUK
#UKTaxChanges
#UKInheritanceTax
#ExceptedEstates
#PropertyInvestorsUK
#UKTaxRules
#UKTaxAdvice
#MTAUK