Landlord tax in 2026… and the 2% shift that's quietly costing more than anyone's admitting.

It sounds small. It isn't. Because depending on how you hold your property, this change hits very differently and most landlords still haven't run the numbers.

We're talking personal ownership versus limited company, dividend tax, alphabet shares, ownership splits, and the stamp duty trap that catches people out every single time. Because the most expensive strategy in property isn't buying badly. It's structuring badly.

Rachael is joined by James, senior accountant and the person they throw every complex property case at, to cut through the noise on what actually matters for landlords right now. Not in theory. In practice.

If you own property, this one's for you.

MTD… the thing everyone is either talking about or hasn’t heard about!

Making Tax Digital for Income Tax or as we’re calling it, the sole trader trap and the hidden cost nobody asked for.

Because while HMRC calls this “modernisation”, what we’re actually seeing on the ground is confusion, last-minute panic, and a lot of people who don’t even realise it applies to them yet.

And here’s the kicker, it’s not based on profit… it’s based on turnover. So even if you’re not making much money, you could still be pulled into more admin, more cost, and more pressure.

I’m joined by Tara, who’s on the front line speaking to clients every single day, and together we’re breaking down what’s really happening, who’s at risk, and what you need to do now before this catches you out.

In this episode of FFS, Rachael is joined by R&D specialist Christopher Harrison to unpack one of the most misunderstood areas of UK tax: Research & Development tax credits.

They explain what actually qualifies as R&D in the eyes of HMRC, why something being new to your business doesn’t necessarily make it innovative, and the role genuine technical uncertainty plays in a successful claim. The episode also explores common mistakes businesses make, what HMRC inspectors look for during inquiries, and why documentation from day one is crucial.

With scrutiny on R&D claims increasing and aggressive claim firms still operating in the market, Rachael and Chris share practical advice to help business owners understand the rules, avoid costly mistakes, and approach R&D relief the right way.