Landlord Income Query

Hi I am seeking clarification on whether my rental income qualifies as relevant earnings for tax relief on SIPP contributions. My ONLY form of income is from being a landlord, and I manage three rental properties. Additionally, I am actively purchasing new properties to rent out. I want to ensure I pay the correct tax and National Insurance contributions. What should my next steps be, and whom should I contact at HMRC for further assistance? Thank you for your assistance.

Hi DavidAdams2000,
Yes, rental income is allowed.
Please see guidance here:
Earnings that attract tax relief
Thank you. 

I got this email from a tax expert who said the opposite, so I'm still confused. "Rental income is generally not considered "relevant earnings" for pension contributions, meaning you can't receive tax relief on SIPP contributions from rental income alone. Relevant earnings typically include: - Employment income (salary, wages) - Self-employed income (profits from trade or profession) - Some forms of partnership income Given this, you can still contribute to a SIPP, but you won't receive tax relief on contributions made from rental income unless you have other forms of relevant earnings." Is there anyone I can call about this?

Hi, I'm not a HMRC Admin but if you read the page the admin linked you'll see only income from FHLs can qualify (currently, not sure if that will change with the planned scrapping of the FHL scheme). This is because income from an FHL counts as trading income and trading income is earned income. Any other rental income does not qualify as it is income from letting property rather than a trade and income from property isn't earned income (so cannot be relevant earnings for the purpose of pension relief).

Hi DavidAdams2000,
As it is mentioned in the link already sent to you, as this is government guidance, this is what should be used.
Thank you. 

Thank you for all the help so far. I'm a private landlord not a holiday let landlord so is it right that my rental income is not allowed?

Hi

Thank you for your question.
Can you please clarify your meaning behind "I'm a private landlord not a holiday let landlord so is it right that my rental income is not allowed?"  with regards to working our tax due on a rental property.
Please see attached link: Work out your rental income when you let property  

Thank you