Guides for landlords who run property as a business
Compliance, tax, structure, mortgages, and scale. Written for Scottish landlords, useful across the UK. Free, no signup.
The nine certificates every Scottish landlord is required to hold
All nine compliance certificates Scottish landlords are legally required to maintain: statutory periods, legislation, and the consequences of missing each one.
Read the guide → TaxMTD for landlords: the practical version
The practical version of MTD ITSA for landlords: the gross income threshold, the limited company exception, the April 2027 change, and the four obligations once you are in scope.
Read the guide → StructureWhy nearly every new buy-to-let is bought through a limited company
Section 24, the corporation tax gap, ADS standardisation, and succession planning: why the default for new Scottish BTL purchases flipped to limited companies, and what it means for running a portfolio.
Read the guide → StructureLimited company or personal name: five questions before your next purchase
Five questions that frame whether a new buy-to-let should sit in a limited company or your personal name: growth plans, tax band, reinvestment, co-ownership, and hold period.
Read the guide → MortgagesThree mortgage numbers every portfolio landlord should know
The three mortgage numbers that quietly decide a portfolio's P&L: fixed-rate expiry and SVR reversion cost, interest cover ratio at the stress rate, and lender concentration.
Read the guide → AccountantsThe Tuesday afternoon reality of landlord client work
What landlord client work actually looks like inside a Scottish accountancy practice: the document chase, entity-level reconstruction, MTD's quarterly rhythm, and the compliance blind spot.
Read the guide → ScaleFive units to fifteen: the four things that break
What operationally breaks when a Scottish landlord grows from five rental units to fifteen: compliance arithmetic, entity fragmentation, cash flow complexity, and the coordination threshold.
Read the guide → ScaleThirty units to sixty: what breaks at real scale
What operationally breaks when a portfolio doubles from thirty rental units to sixty: compliance collisions, mortgage calendar load, entity consolidation, delegation, and quarterly MTD reconstruction.
Read the guide → ProductIntroducing Lar: folio intelligence for Scottish landlords and agents
Lar looks across your portfolio, works out what needs your attention and helps you get it done. Why we built it, how it works, and why Scotland first.
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