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31/10/2026

From April 2027, rental income faces an extra 4 percentage points of income tax, according to Budget coverage in This is Money.

That is on top of the earlier rise announced by Reeves. It applies to rental profit and savings interest above your personal allowance.

So this is not a tweak to the rate. It is a surcharge stacked on a surcharge, and it lands on income you are already receiving from tenancies you signed years ago.

Worth being precise about what it hits. Not turnover. Rental profit, after allowable costs, with finance costs still only getting the 20% tax credit under Section 24 (the rule that stopped full mortgage interest relief).

For a higher rate landlord with a mortgage, that credit was already doing a lot of heavy lifting. Another 4 points on the gross figure changes what is left at the bottom.

Most people will model this on their next purchase. The bigger number is sitting in the properties you already hold.

Run one existing property through it. Current profit, current rate, then the 2027 rate. If the answer surprises you, the other ones will too.

An accountant should confirm your own position before you act on anything.

Which property in your portfolio would you check first?

28/10/2026

Propertymark asked the Chancellor this week to tax buy-to-let landlords differently from large-scale institutional investors.

It's a submission, not a policy. Landlord Today reported the call as a last-minute one ahead of the Budget, and nothing has been announced.

So treat it as a wishlist.

If you own two or three properties in your own name, a carve-out for smaller portfolios would change your numbers a lot. Section 24 (the rule limiting mortgage interest relief) already bites hardest on exactly that group. But planning a year around a relief that may never exist is how people get caught out in March.

The sensible move is to model your position as it stands today, then adjust once the Chancellor has actually spoken. Not before.

Kevin McDonnell runs a live Post-Budget Webinar going through what was announced and what it means for buying, lending and finance structures. Registration is under Events on the PPN Cambridge site.

If you want the detail while it's still fresh, that's where to find it.

27/10/2026

£1bn sounds big until you spread it over ten years and £40bn.

The BBC reports the Budget will include an extra £1bn for social and affordable housing, taking the ten year programme past £40bn in total.

So it's roughly a 2.5% top-up on a pot that was already committed. Averaged out, that's about £100m a year against a programme running at £4bn a year.

Social housing also takes years to arrive. Land, planning, build. Nothing in that figure changes what's available to rent or buy next year.

If you're a landlord or an investor, the lines to actually read in the Budget documents are the ones on private rental taxation and stamp duty. Those hit your numbers directly, and they hit the year they take effect, not a decade later.

I'm not going to guess what the Chancellor does. Worth watching the Budget documents themselves rather than the press release, and talking to your accountant once the detail is published.

Which line in the Budget would actually change what you do next year?

20/10/2026

New research reported by Landlord Today puts the average HMO conversion at £82,000. That's £15,275 a room, across an average of 5.37 bedrooms.

Useful headline. Useless planning number.

An HMO (a house let room by room to unrelated tenants) costs what your council and your building say it costs. Licensing requirements vary by area. Article 4 directions (where councils remove automatic permission to convert) mean some postcodes need full planning before a single wall moves. Fire doors, room sizes and amenity standards all shift the bill.

So the average tells you almost nothing about your house on your street.

The question worth answering is narrower. Can this specific property, under this specific council's rules, produce enough rent to justify what the work actually costs? That's a spreadsheet question, not a vibe.

If you're weighing a first conversion, the Cashflow Summit in Peterborough on Friday 23 October runs through finding, funding and running HMOs with operator Latoya McDonald. It's free and in person at Progressive Property, Hampton.

Registration is on the PPN Cambridge events page. Search PPN Cambridge Cashflow Summit.

19/10/2026

Two Budget measures dropped is not two taxes gone. It's two gaps to fill.

This is Money reports that plans for a mansion tax on homes above £1.5million have been shelved, and that buy-to-let landlords may also escape a threatened raid on rental profits before the Budget.

Good news for a morning. The spending commitments behind those proposals haven't moved.

So the question isn't whether property gets asked for money. It's which part of it, and through which mechanism. Council tax bands. Capital gains. National Insurance on rental income, which was the raid being floated. Stamp duty on second homes. Each one lands on a different person.

If you own a high value home or a portfolio, the useful move now isn't to relax. It's to know your own numbers before the Budget rather than after it. What your gain looks like on paper. What your rental profit is after finance costs under Section 24 (the restriction on mortgage interest relief). What a 1p change to a rate actually does to you.

Nothing here is advice on your position. Speak to an accountant who knows your structure.

What would you need to see in the Budget to change what you do next?

18/10/2026

The IMF projects the UK tax burden will reach 41.9% of GDP by the next Parliament, the fastest rise in the G7.

That is the IMF's projection, not a certainty, and reports that the Chancellor is preparing further rises are reports rather than confirmed policy. Worth planning around either way.

For an owner-managed business the point is simple. The revenue side is getting harder to defend, and tax is not a lever you control. Your cost base is.

So here is the question I would sit with this weekend. Which of your cost centres is still being done by a person purely because nobody has ever sat down and checked whether it has to be?

Most owners can name one in about ten seconds. Quoting. Chasing invoices. First-line customer replies. Writing the same listing description for the fortieth time.

Naming it is the easy bit. Working out what it would actually take to change it is the part people skip.

The AI Advantage Summit runs in Peterborough on Tuesday 20 October. It is a one-day, in-person session with live builds, and you leave with a roadmap for your own cost base.

Tickets are on the PPN Cambridge events page, search AI Advantage Summit.

16/10/2026

Most small firms I speak to have cut everything except the one cost that grew fastest: the hours paid for work software now does in minutes.

Website build. Sales copy. Customer follow-up sequences. Three years ago that was a freelancer and a fortnight. A lot of it is now a prompt and an afternoon.

That doesn't mean the tools are right for your business. It means the cost of not knowing has gone up.

If your revenue is flat and your cost base keeps climbing, tax planning is the lever everyone reaches for first. It's also the slowest one and the one you control least. What you still pay people to do is quicker to change and sits entirely with you.

Progressive runs the AI Advantage Summit in Peterborough on Tuesday 20 October. A full day of live builds, websites, copy and funnels made from scratch in front of you, and you leave with a roadmap for your own cost centres.

It's listed under events on the PPN Cambridge website if you want to look at it.

Which job in your business would you hand over first?

14/10/2026

The Resolution Foundation has put a £6bn tax package on the table weeks before the Budget, and landlords are named in it.

This is Money reported the proposals this week. National Insurance on rental income, changes to pension tax relief and a council tax surcharge on higher value homes all feature.

The Resolution Foundation is a think tank, not the Treasury. It has no power to change anything.

But it has had a decent hit rate with this government, which is why I read it as a draft agenda rather than a wishlist.

Who it touches: landlords holding property personally, anyone making large pension contributions this tax year, and homeowners in higher council tax bands.

The useful thing is the timing. Anything you only consider after Budget day is decided for you. Anything you look at before is still a choice.

That means knowing your own numbers now. What your rental profit actually is after the Section 24 restriction (mortgage interest only gets 20% tax relief). What you have already contributed to a pension this year. What band your home sits in.

None of that is a recommendation to act. It is the information you would need if you wanted to, and gathering it costs nothing if the Budget ignores all of this.

Which of the three would change your position most?

12/10/2026

HMRC lists 128 software products for landlords' UK property income under Making Tax Digital. Plenty of them cannot file a return.

Landlord Today reported this week that many on the list only handle record keeping. They log your rent and expenses, send the quarterly updates, and stop there. The final declaration at the end of the tax year needs something else.

MTD for Income Tax (digital records and quarterly updates to HMRC) starts applying from April 2026 for those over the income threshold.

So if you picked a tool because you saw it on HMRC's list and ticked it off your to-do list, that tick might not hold. You could end up pairing two products, or moving your records across mid-year. Neither is fun in February.

Worth doing now: go back to the HMRC list and check what your product is actually approved to do. The entries say whether a product covers record keeping, quarterly updates, or the final declaration. If you use an accountant, ask which part they're filing and which part you are.

Which bit of your setup have you actually tested?

11/10/2026

UK borrowing costs have hit a fresh 28-year high, and that was before the Budget.

This is Money reports Andrew Bailey has warned the Chancellor that failing to balance the books risks another bond market storm.

Here's why that matters if you have a mortgage deal expiring.

Fixed rate mortgages are priced off swap rates (what banks pay to borrow fixed). Swaps track gilt yields (the return investors demand to lend to the government). So when gilts move, lenders reprice, often within days.

The market doesn't wait for Budget day. It prices what it expects in advance, then reacts to the gap between that and the actual announcement.

So if your deal ends in the next six months and your plan is to see what the Chancellor says, you're not timing the market. You're arriving after it moved.

Worth knowing: most lenders let you lock an offer up to six months ahead and switch if pricing improves before completion. Terms vary by lender, so check the one you're with.

When does your current deal actually end? A lot of people are a month out and haven't checked.

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Cambridge Country Club, Toft Road
Bourn
CB232TT

Website

https://ppncambridge.uk/

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