Use of rental income / house as collateral

mgarl10024

booksurr wrote: »

you cannot "pay the interest cost directly with the rent " and not pay tax on the rent ,

I'm sorry, but that's not what I said.
Claire111 was questioning whether the the interest from the buy to let mortgage can be deducted from the income (rent) on the property, and I was answering that it could. You can use money 'directly obtained from the rent' to pay the interest on the buy to let mortgage, with no tax implication.
Any monies left over (after all other costs) will of course be subject to the OP's tax situation.

booksurr wrote: »

that is a very clunky way of expressing how taxable net profit works,

The OP said that they were "obviously very new" so I was offering a simple way of explaining how it works.
Having recently learned this from scratch myself, I found it very helpful to know which things I could pay for "directly with rent money" i.e. before tax, or "after taxes have been paid" i.e. after tax.
I offered it to the OP in the hope that it might be useful to them too - but feel free to provide a more detailed example if you think that might help them better.