Insights
Practical writing on the tax, VAT, MTD, rating and compliance questions that come up on short-term let and holiday let portfolios — with the primary sources cited, and dated so you can see when we wrote it.
Short-term let income concentrates in the summer; the tax bill is due in January and July. This piece works through the payments-on-account arithmetic with a specific example and covers the reduction and exception rules.
A substantial volume of UK fixed-rate mortgages come off through 2026-27, some of them held by STL landlords. Lender criteria on remortgage are typically tighter than those applied at original drawdown two, three or five years ago — interest rates higher, rental stress tests sharper, more questions asked. This is what the accounts and evidence pack should look like, and where a same-lender product transfer may sit alongside a full remortgage.