UK Landlord Consultancy

Property118’s UK Landlord Consultancy archive brings together articles, case studies, and insights from our consultancy team. The focus is on helping landlords plan for long-term sustainability, refinancing, succession, and business continuity.

Articles in this archive highlight the principles we apply, the commercial reasoning behind our recommendations, and examples of how consultancy has helped landlords achieve clarity and control over their property businesses.

Buy-to-let property viability calculator showing a house and options to buy, hold or sell based on financial returns.

Buy-To-Let viability calculator: Buy, Hold, or Sell?

Author: Mark Alexander

1st November 2026, 2 days ago | 0

I have a new free tool to share with you, designed to help answer a question every landlord faces: “does this...

Pension inheritance tax: another option my IFA brought to my attention

Author: Mark Alexander

28th October 2026, 5 days ago | 0

Some conversations make you look again at something you thought you understood. A recent discussion with my IFA, did exactly...

Golden pension fund filled with pound coins, symbolising inheritance tax changes and protecting family wealth.

Pension inheritance tax: an idea I wanted to share with you

Author: Mark Alexander

27th October 2026, 6 days ago | 14

If you have been leaving your pension untouched for your children, an email I received recently from my Financial Adviser...

Stack of pound coins, a clock and a question mark representing the true hourly earnings of UK buy-to-let landlords.

How much are you really earning per hour as a landlord?

Author: Peter Littlewood

26th October 2026, 1 week ago | 12

We measure rental yield, cash flow and capital growth. But once you allow for costs, capital and the hours you...

Two interlocked wedding rings beside a Section 24 cushion, symbolising spouse partnerships and landlord tax planning.

Could a partnership with your spouse soften Section 24?

Author: Mark Alexander

23rd October 2026, 1 week ago | 1

When one spouse faces a substantial tax bill on the rental business while the other has spare lower-rate tax capacity,...

I’m dying. Could my son’s fiancée become my civil partner to save £4.82m in IHT?

Author: Readers Question

22nd October 2026, 2 weeks ago | 21

I am dying, and I am trying to stop my death forcing my son to break up the family business....

Family property assets and cash wrapped in tax receipts being handed from an older generation to the next.

We built it for our children. Why should handing it over become harder after the Budget?

Author: Mark Alexander

21st October 2026, 2 weeks ago | 13

Build a business, pay your taxes and leave something worthwhile for your children. For many landlords, that has been the...

Which properties should I consider selling first?

Author: Mark Alexander

18th October 2026, 2 weeks ago | 2

Choosing what to sell can help you create a property business that produces a better income, takes less of your...

Why gifting a rental property can bring a tax bill approaching 64%

Author: Mark Alexander

17th October 2026, 2 weeks ago | 9

Giving a property to the children can trigger capital gains tax and still leave an inheritance tax bill if the...

The invisible cage keeping landlords from the life they worked for

Author: Mark Alexander

4th October 2026, 4 weeks ago | 0

For nearly four decades, I helped landlords build their wealth, while most of my time is now spent helping them...

What household cost pressures mean for a landlord’s cash-flow plan

Author: Mark Alexander

19th September 2026, 1 month ago | 0

A rent schedule shows what is due. A cash-flow plan shows whether the business can meet its commitments when receipts...

Landlord incorporation: who profits from telling you it went wrong?

Author: Mark Alexander

13th September 2026, 2 months ago | 1

There is money to be made from telling landlords that their previous adviser got it wrong. There can be fees...

Could a new LLP tax judgment help landlords caught in HMRC’s Spotlight 63?

Author: Mark Alexander

12th September 2026, 2 months ago | 0

A new First-tier Tribunal decision has caught my attention because, although it has nothing directly to do with landlords or...

Beneficial ownership changes: if the lender’s charge is intact, what exactly is the problem?

Author: Mark Alexander

26th August 2026, 2 months ago | 0

Mortgage brokers told us that many lenders still become nervous at the mention of trusts or beneficial ownership, even where...

Would you pay £200,000 CGT for a £2.8 million director’s loan account?

Author: Mark Alexander

25th August 2026, 2 months ago | 0

Most landlords considering incorporation want to know how they can defer Capital Gains Tax. One landlord is preparing to do...

HMRC thought it had fixed its 20-hour landlord guidance, but has another property tax case exposed the next flaw?

Author: Mark Alexander

25th August 2026, 2 months ago | 0

Seven days before HMRC amended its controversial 20-hour guidance for landlord Incorporation Relief, the First-tier Tribunal handed down another property...

HMRC changes 20-hour landlord incorporation guidance weeks after Property118 open letter

Author: Mark Alexander

23rd August 2026, 2 months ago | 0

HMRC has changed its published guidance on the controversial 20-hour test for landlord Incorporation Relief, expressly confirming that somebody who...

HMRC sets out new claim rules for landlord Incorporation Relief

Author: Mark Alexander

22nd August 2026, 2 months ago | 0

HMRC has published detailed new guidance explaining exactly what taxpayers must provide when claiming Section 162 Incorporation Relief for business...