Tax-efficient accounting for landlords and property investors.
Property investing has become significantly more complex since Section 24 reduced mortgage interest relief for individual landlords. Whether you own one buy-to-let or a portfolio of properties, the right ownership structure and tax planning can meaningfully reduce your tax liability. We work with UK landlords and property investors to help ensure you're structured as tax-efficiently as possible.
What's included
- Rental income and expense reporting
- Self Assessment tax return filing
- Section 24 mortgage interest restriction calculations
- SPV (limited company) setup and accounts
- Capital gains tax planning on property disposals
- Stamp duty and ATED advice
- Annual tax planning review
- Mortgage broker references and lender packs
Who it's for
How we help
We start by reviewing your current ownership structure and tax position. For many higher-rate taxpayers, holding properties personally is no longer the most efficient route — and we'll model the cost and benefit of incorporating into an SPV. Each year we prepare your rental accounts, file your tax return, and run a planning session covering capital allowances, repairs vs improvements, allowable expenses and any disposal planning.
Why clients choose this service
Section 24 optimisation
Modelling and advice to minimise the interest restriction impact.
SPV setup and management
Full incorporation, accounts and tax for limited company landlords.
CGT planning
Structuring disposals to use allowances and reliefs efficiently.
Portfolio-friendly
Reporting that scales from one property to fifty.
How it works
- 1
Free discovery call
A 15-minute chat to understand your business, current setup and goals.
- 2
Tailored proposal
We send a clear fixed-fee proposal with exactly what's included — no surprises.
- 3
Smooth onboarding
We handle professional clearance from your previous accountant and set up your software.
- 4
Ongoing support
Email and WhatsApp support, proactive deadline reminders, and an annual planning review.
Pricing
From £42 / month per property
Discounts for portfolios of 5+ properties. SPV accounts quoted separately from £834 / year.
Frequently asked questions
Should I move my buy-to-lets into a limited company?+
It depends on your tax band, mortgage situation and long-term plans. For higher-rate taxpayers with growing portfolios it often makes sense — but there are SDLT and CGT costs to incorporating. We model both routes during onboarding.
Can I claim mortgage interest as a landlord?+
If you own personally, mortgage interest is no longer fully deductible — instead you get a 20% basic rate tax credit (Section 24). Limited company landlords can still deduct interest in full.
What expenses can I claim?+
Common allowable expenses include letting agent fees, maintenance and repairs, insurance, ground rent, service charges and accountant's fees. We make sure nothing eligible is missed.
Do you handle furnished holiday lets (FHLs)?+
Yes — though the FHL regime is being abolished from April 2025. We're advising affected clients on the transition.