Updated - 2025/26 rates

Section 24 mortgage interest relief calculator for landlords in the UK

Calculate the stamp duty land tax (SDLT) due when buying a second property or buy-to- let in England or Northern Ireland. Includes the 5% additional dwelling surcharge introduced October 2024 and the April 2025 threshold changes.

UK landlord tax calculator

Section 24 tax relief calculator for landlords

Estimate how the residential landlord finance-cost restriction affects tax, cash flow, and the difference between the old mortgage-interest deduction method and the current basic-rate tax reducer.

House icon

Inputs

Enter annual landlord figures

Figures update locally in your browser. No personal data is sent by this embed.

Output

Your Section 24 estimate

Ready £0

Enter figures and calculate.

Get a quote from an Insurance Broker

Planning estimate

Unbiased calculation based on HMRC rules

Update to date

Reflects 2025/26 rates and April 2025 changes

Privacy first

Your data stays in your browser. Nothing is stored.

Clear & transparent

Plain English explanations you can trust

find out more

Want a broker or tax specialist to review the numbers?

Replace only the button URL with your tracked affiliate link. Keep this CTA structure identical across every calculator.

This calculator provides a planning estimate only and is not tax, mortgage, legal, insurance, or investment advice. Section 24 calculations can be affected by income ordering, losses, Scottish tax bands, jointly owned property, partnerships, companies, carried-forward finance costs, allowances, and Self Assessment rules. Speak to a qualified adviser before acting.

Frequently asked questions

What is Section 24, and when did it come into force?
Does Section 24 affect all landlords?
Does buying through a limited company avoid Section 24?
Can I transfer my property to a spouse to reduce the Section 24 impact?
Is Section 24 likely to be reversed?
Does private residence relief apply to a property I used to live in?
Disclaimer: This calculator provides an estimate based on publicly available UK tax rates and industry data current to 2025/26. It does not constitute tax, legal, or financial advice. Your actual figures may differ depending on your specific circumstances. Always confirm your position with a qualified solicitor, accountant, or financial adviser before making any property or financial decision.