Sorry if this sounds like a completely ridiculous question. I have asked my accountant but I didn’t get a response that actually answered my question, they’re not generally that good at answering questions.
So I received my draft tax return before Christmas and I had no tax to pay. I have a very low income but rent out a flat we used to live in. I think because the mortgage rate went up so much, this year the financial relief for the mortgage interest seems to be so high that I have zero tax liability.
I have some regular charity direct debits where I have ticked the gift aid box, and also, I just generally feel a bit weird about not being a tax payer.
I thought I could just ask my accountant to claim less tax relief so that I actually have a small tax bill. Can I do this or will hmrc at some point just realise I have overpaid and give me a refund?