A property accountant for UK landlords and investors
Whether it is a refurbishment to classify, a sale to time or a portfolio to restructure, a free consultation shows you what your current setup is costing you and quotes a fixed fee in writing to fix it.
The gap
Your tax bill is decided before the return is filed
Most landlord tax bills are decided long before the return is filed. They are decided by how a refurbishment was categorised, whose name the property sits in, whether the mortgage interest was put through as a deduction or a tax reducer, and whether anyone modelled the sale before contracts were exchanged. By the time a general practice accountant is typing figures into the property pages in January, most of those decisions have already been made for you.
A specialist property accountant closes that gap. The compliance still has to be right, and it will be, but the value sits in the twelve months before it: knowing which costs are deductible when, which structure your next purchase belongs in, and what a disposal actually leaves you with after tax.
The refurbishment
Categorised as a repair or as capital, at the point you spend it.
The ownership
Whose name it sits in, and whether a Form 17 election matches that.
The finance costs
Treated as a deduction or as a basic rate tax reducer.
The disposal
Modelled before contracts are exchanged, not after completion.
All four are settled before a general practice accountant opens the property pages in January.
Sound familiar
Most people arrive here saying one of these
None of them is unusual, and none of them is a problem a generalist sees often enough to have a routine for. All of them are ordinary weeks here.
Book a consultationFit
Who this is for
If your situation is narrower than the general service, we have work built specifically around it: accounts and returns for landlords, standalone property tax advice where you only need a decision modelled, and the non-resident landlord service if you live outside the UK.
1 to 3 properties
You bought a flat and the return stopped being simple
The first return you did yourself. Then a remortgage arrangement fee, a boiler replacement that might be capital, a void period and a tenant deposit dispute all landed in the same year, and the finance cost restriction turned a modest profit into a tax bill you did not expect. This is the point where the fee usually pays for itself in claimed expenses alone.
4 to 15 properties
You run a portfolio and need numbers you can act on
You want to know yield and net profit per property, which mortgage to fix next, and whether the next purchase should sit personally or in a company. You also want the compliance to be a non-event: quarterly MTD updates filed, the return in well before the deadline, no January panic.
Limited company and SPV
You hold property through a company
Statutory accounts, corporation tax, Companies House filing, directors' loan account discipline and a profit extraction plan. Dividend rates rose to 10.75%, 35.75% and 39.35% from 6 April 2026, which changes the salary and dividend mix that used to be automatic.
Investor, mixed holdings
Property is one part of a wider position
Residential, commercial units, a development project, maybe shares and a pension alongside. You need someone who can see the whole tax position, including how a disposal in one part of the portfolio interacts with the annual exempt amount, business asset disposal relief at 18% from 6 April 2026, and the inheritance tax thresholds now frozen to 5 April 2031.
What is included
What a property accountant covers
Six areas of work. Most clients take all of them, some take one.
Rates and thresholds change every year, and several change again in April 2026 and April 2027. The current position across income tax, stamp duty, capital gains and corporation tax is set out on our property tax rates page, and the mechanics of how the tax itself works are covered in our landlord tax guide.
Rental accounts and bookkeeping
Property-by-property income and expense records, so you can see which flat actually makes money rather than one blended figure for the portfolio. Bank feeds, agent statements and service charge accounts reconciled, with the capital and revenue split done properly at the point of entry rather than guessed at in January.
Self Assessment for rental income
The property pages of your tax return, prepared with the finance cost restriction applied correctly, allowable expenses claimed in full, and jointly held property split the way your ownership and any Form 17 election actually require. Payments on account checked so you are not overpaying HMRC a year in advance.
Company accounts for property SPVs
Statutory accounts and CT600 corporation tax returns for buy-to-let limited companies, including directors' loan account tracking, intercompany balances in group structures, and the profit extraction mix that leaves you with the most after tax.
Making Tax Digital
Quarterly updates under MTD for Income Tax, which applies to qualifying property and self-employment income over £50,000 from April 2026, over £30,000 from April 2027 and over £20,000 from April 2028. Software chosen and set up around how you already record rents, not the other way round.
Capital gains and disposals
The 60-day CGT return after a residential disposal, base cost reconstructed from purchase and improvement records, private residence and lettings relief where they apply, and disposal timing modelled before you accept an offer rather than after completion.
Structure and planning
Whether to hold personally or in a company, whether incorporation relief is realistically available and claimed in time, how capital allowances land now that the writing down allowance is 14% with a 40% first year allowance on main pool spend, and what your portfolio does at the point it passes to the next generation.
Not sure which of these you actually need? That is what the first call is for.
Book a consultationThe difference
Why a specialist property accountant rather than a general one
Nothing here is exotic. It is simply what you see when property is the only thing on the desk.
The finance cost restriction is a rate change, not a footnote
Mortgage interest on residential lettings held personally is relieved as a basic rate tax reducer, currently 20%, rising to 22% from April 2027 alongside the new separate property income rates of 22%, 42% and 47%, which leaves higher-rate landlords no better off. A generalist who deducts interest as an ordinary expense produces a return that is wrong on its face. Getting the calculation right also means spotting the years where the reducer is capped by the profit or income limits and carried forward.
Capital versus revenue is where the money sits
A new kitchen of a similar standard is usually a repair. An extension is not. Replacing single glazing with double glazing follows the current standard rule. Deciding these correctly, and documenting why, is the difference between a deduction now, a deduction on sale, and an enquiry you cannot support.
Property has its own deadlines
A 60-day CGT return after a residential disposal. ATED returns each April for company-held residential property above the threshold. The non-resident landlord scheme. Quarterly MTD updates from April 2026. These sit outside the ordinary Self Assessment calendar and are easy to miss if property is not what you look at all day.
Structure decisions compound
Incorporating, adding a spouse to the title, moving to a group, taking money out as a directors' loan repayment rather than a dividend: each one is cheap to plan and expensive to unwind. A specialist tells you the cost of the option you are about to take before you take it.
Every client here is a landlord, investor or developer. Nothing else.
Book a consultationTestimonials
What landlords say
Anonymised feedback from landlords and investors across every portfolio size.
“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.”
“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.”
“Getting ready for Making Tax Digital felt overwhelming. They set up the software, mapped every property, and now the quarterly filing just happens.”
Getting started
How working together starts
- 01
Free consultation
Tell us what you own, how it is held, and what you want to do next. We say plainly whether you need what we do. If your position is a single property and a simple return you can file yourself, we will tell you that.
- 02
A fixed quote and a scope you can read
You get a written engagement letter setting out exactly what is included, what is not, and what it costs for the year. No hourly billing, no surprise invoices for a phone call.
- 03
Onboarding and clearance
Identity checks, HMRC authorisation, and professional clearance from your existing accountant if you have one. We collect prior year returns, computations and capital allowance records so nothing carried forward is lost in the handover.
- 04
The year runs
Records kept current, quarterly filings where MTD applies, questions answered inside 24 hours, and a planning conversation before your year end rather than after it, while the decisions can still change the outcome.
Fees
What it costs
Fees are fixed and quoted for the year, not billed by the hour, and the figure depends on the shape of the work rather than a tier you pick off a page. We quote after the consultation, in writing, before you commit to anything, and the quote holds for the year.
For an honest picture of what firms across the market charge, and what should and should not be included at each level, read our guide to property accountant fees.
How many properties you hold
The count, and how much movement there is across them in a year.
Personally, in a company, or both
A mixed structure means two sets of filings and the interaction between them.
Bookkeeping through the year, or a year end return
Whether we keep the records as you go or pick them up once a year.
Whether MTD quarterly filing applies
Four submissions a year plus the year end, once you are inside the thresholds.
The simple end
One property, clean records, an annual return and nothing else moving.
The other end
Ten properties split across personal ownership and two SPVs, with quarterly filing and monthly management reporting.
Want your number? Tell us the shape of the portfolio and we will quote it.
Book a consultationFree tools
Work out your own numbers first
Free, and the figures are yours to take to any adviser.
If incorporation is the decision in front of you, our incorporation feasibility analysis models it properly rather than in outline.
Free consultation
Talk to a property accountant about your portfolio
A free consultation, a straight answer about whether you need us, and a fixed written quote if you do.
- Property-only specialistsLandlords, investors and developers, nothing else
- Fixed fees, quoted upfrontNo hourly billing, no surprise invoices
- 24-hour responseUsually the same working day
No obligation and no hard sell. If you do not need us, we will tell you.
Book your free consultation
FAQ
What landlords ask before they engage us
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