Sector

Tax-efficient property accounting that grows with your portfolio.

for Landlords & Property

Specialist accountants for residential and commercial landlords across the UK. We handle rental income tax, Section 24, Capital Gains Tax, Stamp Duty, and incorporation strategy.

What you face

The bits that keep you up.

Section 24 mortgage interest restriction eating into profits
Confusion over allowable expenses (repairs vs improvements)
Capital Gains Tax when selling a let property
Whether to incorporate (Ltd company landlord) — and the costs of doing so
Stamp Duty surcharges on additional properties
Furnished holiday let rules changing in 2025

How we help

What we actually do.

Annual rental accounts and Self-Assessment with every legitimate deduction claimed
Strategy review on whether incorporating makes sense for your portfolio
CGT calculations and PPR/lettings relief for any disposals
SDLT advice on purchases, including the 3% surcharge and reliefs
Bookkeeping and rent reconciliation against your bank account
Joint ownership and Form 17 advice for spouses

Landlords are some of our most loyal clients — partly because the property tax rules are unusually fiddly and change often. From the 2017 mortgage interest restriction (Section 24), to the 3% SDLT surcharge, to the FHL rule changes coming in 2025, there’s always something.

We work with landlords ranging from accidental landlords with one rental to portfolio investors with 30+ properties. We’ll handle the accounts, the tax, and the strategy decisions — like whether to incorporate, whether to bring in a spouse on the deeds, or how to structure your next purchase.

If you want a free 20-minute review of your current setup, just book a call.

The questions we get

Answered, properly.

If yours is not here, ring us. We answer in four rings on weekdays and write back the same day on emails.

01 Should I move my rental properties into a limited company?

Maybe — it depends on your overall income, mortgage situation, long-term plans, and whether you intend to draw the rent or reinvest. The headline benefit is that companies aren't affected by Section 24, so mortgage interest is fully deductible. But there are SDLT and CGT costs on transfer, and dividend tax on extraction. We'll model both scenarios so you can decide with clear numbers in front of you.

02 What expenses can I claim against rental income?

Mortgage interest (now via the 20% tax credit), letting agent fees, insurance, repairs and maintenance, ground rent, service charges, accountant fees, advertising, replacement of domestic items (furniture, white goods), and a portion of travel costs. Improvements and capital expenditure can't be deducted from rental income but reduce CGT on disposal — keep records carefully.

03 Do I need to file Self-Assessment if I just have one rental?

If your gross rental income is over £1,000 a year, yes. There's a £1,000 property allowance below which no return is needed — but it's worth filing anyway in many cases to register losses for future use.

Next step

Bring the messy bits. We'll quote in writing.

Twenty minutes on the phone, no obligation. We tell you the price before any work begins, and we will tell you straight if we are not the right fit.

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