Buy-to-Let in the UK: Mortgage Options, Stamp Duty Surcharge, and Landlord Licensing in 2026

UK buy-to-let has changed materially — from Section 24 mortgage interest relief changes to the 3% SDLT surcharge and the Renters (Reform) Act. This guide covers what prospective landlords must understand before committing in 2026.

James Harrington · March 2026 · 10 min read
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UK buy-to-let landlord property guide 2026

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