Buy-to-Let Software That Protects Your Returns
Section 24 tax changes, rising mortgage rates, and tightening regulations are squeezing buy-to-let margins. Latch gives you real-time yield tracking, automated tax calculations, and compliance alerts so you can protect your investment and plan with confidence.
The challenges you face
Section 24 tax squeeze
Mortgage interest relief is now a basic-rate tax credit, not a deductible expense. Higher-rate taxpayers are paying thousands more in tax — and many don't realise until their self-assessment bill arrives.
Mortgage stress testing
Lenders stress-test at 5.5%+ interest rates. Remortgaging a buy-to-let that was profitable at 2% can turn it into a loss-maker overnight without proper cash flow modelling.
Void period losses
Every month a property sits empty costs you mortgage payments, insurance, and council tax with zero income. The average UK void period is 26 days — but poorly managed properties can sit empty for months.
MTD compliance deadline
From April 2026, landlords earning over £50,000 must submit quarterly digital tax returns. There's no opt-out — and penalties start at £100 per missed deadline.
How Latch solves this
Real-time yield tracking
See your gross and net yield for every property after all expenses, mortgage payments, and tax. Latch calculates your true return so you know exactly which properties are performing.
Learn moreSection 24 tax modelling
Understand your actual tax liability before it hits. Latch models the Section 24 impact on your portfolio and shows you the real after-tax return for each property.
Learn moreAutomated MTD submissions
Latch categorises income and expenses automatically, generates quarterly summaries, and prepares HMRC-ready reports. No scrambling at deadline time.
Learn moreVoid period management
Track vacancy dates, automate tenant-finding workflows, and see the financial impact of voids on your annual return. Reduce void periods with AI-powered tenant communication.
Learn moreThe numbers speak for themselves
Buy-to-let properties in the UK
Section 24 tax impact awareness
Average void period in days
Penalty per missed MTD deadline
Common questions
Section 24 replaced mortgage interest deductions with a basic-rate (20%) tax credit. If you're a higher-rate taxpayer, this can significantly increase your tax bill. Latch's Section 24 calculator shows you the exact impact on each property and helps you model whether incorporating might save you money.
Ready to manage your properties smarter?
Join hundreds of buy-to-let landlords who automated their portfolio with Latch.