The March Budget 2026: What Landlords and Homeowners Need to Prepare Now

The Chancellor’s March Budget 2026 could introduce changes affecting property owners — from stamp duty adjustments to potential tax and energy efficiency measures. While exact announcements remain unknown until Budget Day, understanding likely shifts and preparing now positions landlords to act quickly and confidently in the current property market.

Stamp Duty and Transaction Timing

• Stamp duty thresholds and rates may shift. For landlords and buyers, timing transactions around Budget announcements can impact costs.

• Tips:

  • Buyers: Secure agreements in principle and progress deals efficiently.

  • Sellers: Consider whether waiting or acting now benefits you if thresholds or reliefs change.

  • Landlords: Additional property surcharges remain in effect; Budget changes could affect investment returns.

Capital Gains Tax Considerations

• Property investors should review planned disposals. CGT rates increased previously, and further adjustments could arise.

• Action:

  • Keep detailed records of all improvement costs — they reduce taxable gains.

  • Avoid rushed sales solely for tax speculation; act when disposals fit your strategy.

Mortgage Schemes and Financing

• Government mortgage guarantees and high LTV lending schemes may be extended or revised.

• Action: Know current eligibility and terms. Existing knowledge allows rapid assessment of whether waiting or proceeding now is advantageous.

Energy Efficiency and Rental Properties

• EPC standards for rental properties are tightening toward 2030 minimums. Budget measures may include grants, loans, or tax incentives to support efficiency upgrades.

• Action:

  • Audit your properties’ current EPC ratings.

  • Estimate improvement costs and be ready to act quickly if incentives are announced.

Renters’ Reform Compliance

• Landlords must continue navigating the Renters’ Reform 2026, including Section 21 abolition and updated tenancy agreements.

• Action:

  • Ensure all tenancies are compliant with the new possession grounds.

  • Maintain thorough records of rent, maintenance, and communications.

  • Budget-driven tax, stamp duty, or grant changes may intersect with portfolio decisions — being compliant now ensures flexibility.

Documentation and Financial Preparedness

• Keep property documents current: deeds, mortgage statements, improvement receipts, and financial records.

• Understand your equity, borrowing capacity, and mortgage terms so you can respond immediately if Budget measures affect your portfolio.

Professional Guidance

• Establish relationships with:

  • Property tax specialists

  • Mortgage brokers

  • Financial advisers

• Early access ensures you can act quickly when announcements are made. Professional advice can also help you navigate tax, financing, and regulatory compliance in line with Renters’ Reform.

The March Budget 2026 may influence stamp duty, CGT, energy incentives, and financing, but the best approach is preparation and compliance. Landlords who stay informed, maintain documentation, and work with experts will be able to respond strategically and confidently. Find out more about the budget here - 2026 Spring Forecast

Need help preparing? Contact us to review your portfolio, explore tax-efficient strategies, and ensure compliance under Renters’ Reform 2026 before Budget announcements take effect.