UK HMO Landlord Spreadsheet 2026/27

Why this one

An HMO is let by the room, and the bills are usually yours rather than the tenants’. That makes voids and utilities the two numbers that decide whether the property works. Rent is tracked per room here with occupancy visible, and the licensing, fire safety and compliance costs that only HMOs carry have their own categories.

What you get

• One Excel workbook (.xlsx) with 12 tabs: Start Here, Dashboard, Settings, Income, Expenses, Mileage, Home Working, Quarterly Summary, Room Occupancy, Tax Estimate, Rates 2026-27, Lists
• A quick start guide (PDF) with instructions for Excel and for Google Sheets
• Income and expense categories written for letting, matching the HMRC property pages
• A dashboard showing profit, tax to set aside and where the money went
• A sourced rates tab listing every figure with the GOV.UK page it came from

Built for the 2026/27 UK tax year

Every figure is for the 2026/27 tax year and sits on its own tab with the GOV.UK page it came from.

• The mortgage interest tax reducer at 20%, calculated as the lowest of three figures the way HMRC does it, rising to 22% from April 2027
• Rental profit correctly carrying no Class 2 or Class 4 National Insurance, because property income is not trading income
• A warning that claiming the £1,000 property allowance cancels the interest relief entirely
• Personal allowance of £12,570, with the taper above £100,000
• Income tax for England, Wales and Northern Ireland, and all six Scottish bands
• Expense categories matching the boxes on the HMRC property pages
• Making Tax Digital quarter dates, with the threshold measured on gross rent rather than profit

Need more than one? This is also in the UK Landlord Complete Tax Bundle 2026/27 (£34.99) — the same files at a lower price than buying them one by one.

Questions