That’s the first week done. Thanks to everyone who’s introduced themselves and got stuck into the comments it’s already got a proper feel to it. Before the weekend let’s hear it. What’s one win from this week? Doesn’t matter how big or small property or not, a deal moving forward, a lesson you learned or something at home or work that went well. Big or small I want to hear it. What are you up to over the weekend? Drop it below and I’ll reply to everyone. Have a good one

How’s everyone’s week been? What’s one thing you’ve got done this week that moves you closer to where you want to be no matter how small? Drop it below. It’s easy to focus on what hasn’t happened but progress is progress.

I said there’s only 2 months left of the year. Don’t be the person who gets to January saying you’ll finally start then. What’s the one thing you can do this week that you’ve been putting off? A call, viewing, offer, setting up that meeting, looking at how much equity you can release whatever it is put it below and get it done this week.

Budget’s done. Here’s what actually matters for us The big one: tax on rental profit is going up again Last year they announced a 2% rise on property income from April 2027. Today they’ve added another 2% on top. So from April 2027 if you hold property in your own name the reported rates are: • Basic rate: 24% (was 20%) • Higher rate: 44% (was 40%) • Additional rate: 49% (was 45%) Full detail still has to come out from HMRC so treat those as the working numbers for now. What it looks like in real money Say you’re a higher-rate taxpayer making £10k profit from your rentals. That’s £4,000 tax today and £4,400 from April 2027. Now add Section 24 on top. Your mortgage interest still only gets basic-rate relief so the more geared you are the bigger the gap gets. What they left alone • CGT stays at 18% and 24% • No stamp duty changes • The new first-time buyer scheme is pushed back to spring 2027 • If you own a trading business, Business Asset Disposal Relief now only covers the first £500k, down from £1m Where limited companies fit in Property held in a Ltd pays corporation tax not these rates so company landlords aren’t hit directly. That doesn’t mean everyone should rush to incorporate. Moving existing property into a company can trigger stamp duty and CGT and refinancing costs can wipe out the saving. It’s a numbers job Your homework this week 1. List every property you hold in your own name. 2. Re-run the cash flow on each at 2027 tax rates, not today’s. 3. If the numbers look tight book time with your accountant to model a Ltd for future purchases or for existing stock if it stacks up. 4. For any deal you’re looking at now stress-test it against the new tax before you offer if buying in personal name. The opportunity Every Budget like this pushes more tired landlords to sell. Lots of them are older, holding personally, highly geared and fed up. That’s a motivated seller list waiting to happen. If you’re sourcing this is the time to be in front of landlords not just agents.