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Tax return and Buy to Let mortgage
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shining_light
Posts: 9 Forumite

in Cutting tax
Hi,
I'm a landlord filling in my tax return for the first time, and as the title suggests I have a buy to let mortgage. I know that I can't list the interest on this as an expense, but I should be able to use it to get 20% tax relief. However, I have no idea where I am supposed to enter the details in order to claim this relief. Every website I go to that mentions this says to go to 'box 44', but I have no clue where that is on the tax return. For context, I am filling it out online so nothing is numbered.
Can anyone help here?
I'm a landlord filling in my tax return for the first time, and as the title suggests I have a buy to let mortgage. I know that I can't list the interest on this as an expense, but I should be able to use it to get 20% tax relief. However, I have no idea where I am supposed to enter the details in order to claim this relief. Every website I go to that mentions this says to go to 'box 44', but I have no clue where that is on the tax return. For context, I am filling it out online so nothing is numbered.
Can anyone help here?
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Comments
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shining_light said:Hi,
I'm a landlord filling in my tax return for the first time, and as the title suggests I have a buy to let mortgage. I know that I can't list the interest on this as an expense, but I should be able to use it to get 20% tax relief. However, I have no idea where I am supposed to enter the details in order to claim this relief. Every website I go to that mentions this says to go to 'box 44', but I have no clue where that is on the tax return. For context, I am filling it out online so nothing is numbered.
Can anyone help here?
https://assets.publishing.service.gov.uk/media/67ed5069e9c76fa33048c6b0/sa105_2025.pdf
Look for that entry!1 -
Your mortgage interest goes in the box for 'finance costs' -this is how much it's costing you to borrow the money0
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you are correct 20% of your total mortgage buy to let interest is what you can claimit has changed this year a little biti did my tax return in april and i am a landlordit goes in the property section of your tax returnsection uk property 43 residential property finance costsput in the 20% of buy to let interest paid figure in this boxplease note from memory this figure does not show up as having been accounted for by hmrc until you submit your return which is when i checked then it has been taken off and accounted for on your tax return.
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i see you are struggling to be sure where box 44 isas i said underneath the boxes there is writing help sectionand as i said it comes under the uk property 43 residential property finance coststhe 43 is written underneath this box and number must have now changed unless my tax return was totally different as i said i did it end of april and it was definatley 43 this year0
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dinosaur66 said:i see you are struggling to be sure where box 44 isas i said underneath the boxes there is writing help sectionand as i said it comes under the uk property 43 residential property finance coststhe 43 is written underneath this box and number must have now changed unless my tax return was totally different as i said i did it end of april and it was definatley 43 this year
https://assets.publishing.service.gov.uk/media/67ed5069e9c76fa33048c6b0/sa105_2025.pdf
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my actual 2024/2025 return from 3 weeks ago on hmrc tax return for this sectionbox 43losses are box 42this is my returni have 1 property left that is on a buy to let0
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without reading hmrc guidance again i think you put in the total interest figure and hmrc take off the 20% themselves but not sure on this hopefully someone who knows for sure will advise you on what ammount to put in
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dinosaur66 said:my actual 2024/2025 return from 3 weeks ago on hmrc tax return for this sectionbox 43losses are box 42this is my returni have 1 property left that is on a buy to let0
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Box 43 - losses carried forward:
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i know it says that in all the guidance but when you fill out the tax return for this year in the HMRC property section it comes up box 43 this yearthe photo is my actual tax return which i have submittedbox 44 is this year unused resedential albeit it has no number attached and does not say box 44box 45 was the big box supplementary for writing out anything else oni cannot put up a full picture as my tax reference number is on top of all pagesbut the £1092 figure was my total interest i paid on the property last year and remember the 20% tax releif did not show up as having been accounted for by HMRC until after i had submitted the return.0
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