Do I need a property accountant?

Not always, but most landlords break even or save money by using one. A property accountant makes sure you claim every allowable expense, apply the Section 24 finance-cost credit correctly, meet the Making Tax Digital quarterly deadlines, and report any capital gain within the 60-day HMRC window. If even one mortgaged property pushes your qualifying income over the MTD for Income Tax threshold (£50,000 from 6 April 2026, £30,000 from 2027, £20,000 from 2028), specialist help usually costs less than the penalties and missed reliefs it prevents.

What does a property tax accountant do?

A property tax accountant handles the tax side of owning rental property: Self Assessment with rental schedules, Section 24 planning, capital gains tax on disposals, incorporation feasibility, MTD for Income Tax compliance, and limited company accounts for buy-to-let SPVs. The work centres on the rules that govern rental income, which a general high-street accountant rarely lives inside day to day.

How much does a property accountant cost?

Fees depend on portfolio size and complexity, not a flat menu. A single rental property on Self Assessment sits at the lower end; a multi-property limited company with quarterly MTD filing and management accounts sits higher. We quote fixed fees up front so there are no surprises. For most landlords the fee is recovered several times over through correctly claimed expenses and avoided penalties.

What is the difference between a property accountant and a regular accountant?

A general accountant handles a broad mix of clients and knows the basics of Self Assessment and corporation tax. A specialist property accountant works only with landlords, developers, and investors, so Section 24, the 60-day CGT reporting window, ATED, the Non-Resident Landlord Scheme, and the personal-versus-limited-company decision are core competence. In practice a generalist may still treat mortgage interest as a deductible expense (it has not been since 6 April 2020) and rarely models incorporation.

Do I need Making Tax Digital?

If your combined property and self-employment income exceeds £50,000, yes. MTD for Income Tax has been live since 6 April 2026, and you must submit quarterly digital reports to HMRC. The threshold drops to £30,000 from April 2027 and £20,000 from April 2028. Use our MTD checker below to see if you are affected and what to file next.

Should I incorporate my buy-to-let portfolio?

It depends on your mortgage levels, tax bracket, and holding period. Incorporation can move rental profits from personal rates of 40% or 45% (after Section 24) to corporation tax of 19% to 25%, but transferring existing properties triggers SDLT (including the 5% additional-dwellings surcharge) and a CGT charge on the deemed disposal at market value. Use our incorporation calculator below for a quick estimate, then we model the upfront cost against the long-term saving.

Can a property accountant help me decide whether to incorporate?

Yes, and it is one of the most valuable things we do. We model the corporation tax saving against the upfront cost of SDLT and CGT on transfer, factor in your holding period and mortgage position, and give you a clear recommendation rather than a generic rule of thumb. The incorporation calculator above gives you a quick first estimate.

Do you work with landlords outside London?

Yes. Tax legislation is national, so we act for landlords and investors anywhere in the UK, with remote support and digital document handling. We publish city-specific guidance for the markets where we work most, including London, Manchester, Birmingham, Leeds, and Bristol, but a property accountant does not need to share your postcode to advise on Section 24, CGT, MTD, or incorporation.

Do I need a specialist property accountant?

Not strictly, but the question is whether a generalist can give you useful advice on Section 24, MTD, and incorporation. A specialist helps you make better financial decisions around incorporation feasibility, MTD quarterly reporting, and portfolio-level profitability, and is far less likely to miss a relief or a deadline that costs you more than the fee.

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MTD is now live for landlords

Property accountants for UK landlords and investors

Whether you need to get ready for Making Tax Digital, run a buy-to-let limited company, or get specialist advice on Section 24, CGT, and incorporation. Property tax sorted, your way, with ease.

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Property-only specialists

24hr response time

Fixed fees

MTD ready

100+ landlords

60+

Landlords served

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Response time

168+

Properties enquired about

60%

Property-only focus

Sound familiar?

Your rent went up. Your profit didn't.

Since April 2020 you can no longer deduct mortgage interest from rental income. Most landlords felt the tax bill rise without ever being told why, or whether theirs was even calculated correctly.

If two or more of these sound like you, you're not disorganised: you're using a generalist for a specialist job.

Book free consultation

I don't understand Section 24
“My tax bill jumped and no one explained why.”
I have the wrong adviser
“My accountant files my return but has never once mentioned Section 24.”
Should I incorporate?
“Everyone says put it in a limited company. Nobody will tell me if that's right for me.”
Does MTD apply to me?
“I've had a letter about Making Tax Digital and I don't know if it applies to me.”
I've just sold a property
“Someone mentioned a 60-day deadline for the tax. I don't know if I've missed it.”
I might be overpaying
“I don't know if I'm overpaying, and I don't know how I'd find out.”

I don't understand Section 24
“My tax bill jumped and no one explained why.”
I have the wrong adviser
“My accountant files my return but has never once mentioned Section 24.”
Should I incorporate?
“Everyone says put it in a limited company. Nobody will tell me if that's right for me.”
Does MTD apply to me?
“I've had a letter about Making Tax Digital and I don't know if it applies to me.”
I've just sold a property
“Someone mentioned a 60-day deadline for the tax. I don't know if I've missed it.”
I might be overpaying
“I don't know if I'm overpaying, and I don't know how I'd find out.”

Who we are

Property tax is all we do

Property Tax Partners is a specialist property accountancy firm for UK landlords, buy-to-let investors, and developers. Property is all we do, so Section 24, Making Tax Digital (live since 6 April 2026), the 60-day CGT window, and the incorporation decision are core competence, not a sideline.

Property-only focus

Every client is a landlord, investor, or developer. No restaurants, no retailers, just property.

UK-wide coverage

From single rental flats to thirty-property portfolios, anywhere in the UK.

Fixed fees

Quoted up front with no surprises, and no hard sell, ever.

24hr response

Every enquiry answered within one working day, usually the same day.

Across the UKLondon Manchester Birmingham Leeds Bristol All locations →

Why choose us

Why landlords choose a specialist

A generalist accountant can file your return. A specialist property accountant makes sure the structure, the reliefs, and the deadlines are right before you ever get there.

Property is all we do
We work only with landlords, investors, and developers, so the property rules are core competence rather than an occasional sideline.
Specialist depth where generalists slip
Section 24, the 60-day CGT window, and incorporation modelled correctly, not treated as an afterthought.
Fixed fees, no surprises
Quoted up front, and for most landlords recovered several times over through reliefs claimed and penalties avoided.
Up to date with every change
The Finance Act 2026 measures, the 2027 income tax rate change, and the falling MTD thresholds are built into your plan.

Our services

What a property accountant does for landlords

Property-only focus means we understand Section 24, MTD, incorporation, and CGT inside out, at every scale from individual landlords with a single flat to large portfolio owners.

Section 24 Planning

Calculate your tax hit and explore mitigation strategies

MTD Compliance

Quarterly digital reporting from April 2026

Incorporation Analysis

Full feasibility modelling: CGT, SDLT, break-even

Portfolio Reporting

Property-by-property profitability tracking

What we cover

The tax areas a property accountant handles

From the everyday return to the once-in-a-portfolio decision, here is the full scope we cover for UK landlords and investors.

Your annual tax cycle

The recurring work every landlord needs done right, year in, year out.

Section 24 finance-cost relief Making Tax Digital for Income Tax Capital allowances Self Assessment and rental schedules

Buying, selling and structuring

The one-off decisions where the numbers are biggest and mistakes are costliest.

Capital gains tax on disposals Stamp Duty Land Tax Incorporation and limited companies ATED on company-held property

Specialist situations

The edge cases generalist accountants rarely see - and we handle every week.

Inheritance tax and succession VAT on commercial and mixed-use Non-Resident Landlord Scheme Let Property Campaign disclosures

Free tools

Calculate your property tax position

Get instant answers on Section 24, incorporation costs, MTD compliance, and portfolio profitability. Select a calculator below, enter your figures, and see where you stand.

Calculator

Section 24 Tax Calculator

Calculate how much extra tax you're paying due to Section 24 mortgage interest restriction.

Annual rental income

Annual mortgage interest

Other expenses

Your income tax band

Your result

Your figure is ready. Confirm it with a specialist, or skip straight to the numbers.

See all 27 calculators

Testimonials

What landlords say

Anonymised feedback from landlords and investors we have worked with.

“They modelled our Section 24 position properly for the first time and showed us exactly where incorporation did and did not make sense. No hard sell, just the numbers.”

Higher-rate landlord7-property portfolio, London

“We were weeks from missing the 60-day capital gains deadline on a sale. They turned the computation around and filed on time. Worth the fee on that alone.”

Buy-to-let investorManchester

“Getting ready for Making Tax Digital felt overwhelming. They set up the software, mapped every property, and now the quarterly filing just happens.”

Individual landlord2 properties, Leeds

From the blog

Latest property tax insights

Practical guidance on Section 24, MTD, incorporation, and portfolio management

Incorporation & Company StructuresIncorporation & Company Structures

Are Landlords Really Leaving? The Net Formation Data

Almost every article answering "are landlords selling up" runs on a survey. This one runs on the Companies House register. Over the twelve settled months to June 2026, property companies were incorporated 90,390 times and dissolved 45,622 times, a net gain of 44,768 companies. In the same window gross formations fell 2.6% year on year and the headline buy-to-let code was down 20.1% in the latest settled month alone. Both facts are true at once: fewer new companies than at the 2025 peak, and a population that is still growing. This page sets out the monthly net formation series, explains why individual landlords can be selling while the company sector expands, and states plainly what the register cannot tell you.

Incorporation & Company StructuresIncorporation & Company Structures

How to Change a SIC Code at Companies House for a Property Company

A SIC code is changed through the confirmation statement, not through a separate form or application. You can wait for the annual renewal or file an updating confirmation statement at any time to correct the codes early, and if the annual payment period is already paid for, that updating statement carries no further fee. This guide covers the filing mechanics, the £50 online and £110 paper confirmation statement fee, adding a code rather than replacing one, the four-code limit, timing around a mortgage application, and what happens on the public register once the change is accepted.

Incorporation & Company StructuresIncorporation & Company Structures

Do Landlords Incorporate When House Prices Fall? What the Data Shows

We tested our own incorporation series against the UK House Price Index across the 118 months from September 2016 to June 2026 and found essentially nothing: a correlation of 0.008 between the two year-on-year series. During the only sustained price fall in the window, from July 2023 to April 2024, incorporations were not falling with prices but accelerating, reaching more than 50 per cent year-on-year growth in April 2024. The turning points in the incorporation series line up with tax events instead. This piece sets out the method so you can reproduce it, gives the year-by-year table, and explains what actually moves the number.

View all articles

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FAQ

Property accountants for UK landlords and investors

Your rent went up. Your profit didn't.

Property tax is all we do

Property-only focus

UK-wide coverage

Fixed fees

24hr response

Why landlords choose a specialist

Property is all we do

Specialist depth where generalists slip

Fixed fees, no surprises

Up to date with every change

What a property accountant does for landlords

Section 24 Planning

MTD Compliance

Incorporation Analysis

Portfolio Reporting

The tax areas a property accountant handles

Your annual tax cycle

Buying, selling and structuring

Specialist situations

Calculate your property tax position

Section 24 Tax Calculator

Incorporation Cost Calculator

MTD Checker

Portfolio Profitability Calculator

Portfolio summary

What landlords say

Latest property tax insights

Are Landlords Really Leaving? The Net Formation Data

How to Change a SIC Code at Companies House for a Property Company

Do Landlords Incorporate When House Prices Fall? What the Data Shows

Get your property tax sorted today

Book your free consultation

Common questions

Section 24 Tax Calculator

Incorporation Cost Calculator

MTD Checker

Portfolio Profitability Calculator

Portfolio summary