Landlord accountants for individual and portfolio investors
Rental income brings its own filing calendar, financing rules and record-keeping demands. Whether you hold one buy-to-let or a growing portfolio, we keep the numbers straight and the tax position clear.
Landlord accounts differ from a standard business accounting pack in ways that catch people out: mortgage interest treatment, jointly-owned property, furnished lets and incorporation questions all change the answer, often significantly. We build your records and your tax plan around the properties you actually hold, rather than a generic template that assumes a single owner with a single buy-to-let and a repayment mortgage.
That means getting the detail right on the rules that most affect landlords today: the Section 24 restriction on mortgage interest relief for individually-held property, the 50/50 or elected split of income on jointly-owned property, and the point at which moving a portfolio into a limited company starts to save more tax than it costs in fees and Stamp Duty. We run the numbers on your actual position, not a rule of thumb.
Individual & Buy-to-Let
For single or small numbers of buy-to-let properties, we track rental income and allowable expenses, handle jointly-owned property splits, and prepare the property pages of your Self Assessment so mortgage interest and other costs are treated correctly. We also check whether the Section 24 finance-cost restriction is being applied correctly and whether a Form 17 election on jointly-held property would better reflect your actual ownership split before we file.
Portfolio Landlords
As a portfolio grows, spreadsheets stop being enough. We set up per-property record keeping, give you a clear view of cashflow and tax due across the portfolio, and talk through whether a limited company structure suits your next purchase. We model the tax and mortgage-cost difference between holding a new purchase personally or through a company before you complete, so the structuring decision is made with real numbers rather than after the fact.
Furnished & Short-Term Lets
Furnished holiday and short-term lets bring their own record-keeping and reporting demands, and the rules around them have shifted in recent years. We keep your income and expense records in order and make sure your filings reflect the current position. With the Furnished Holiday Lettings tax regime abolished from April 2025, we help you understand what actually changes for your letting income, expense claims and any capital allowances already claimed, and adjust your records accordingly.
Landlord Companies
For landlords who hold property through a limited company, we prepare statutory accounts, Corporation Tax returns and Companies House filings, and help you plan drawings and reinvestment around the company rather than personal tax rules. We also advise on extracting profit efficiently through a mix of salary, dividends and pension contributions, and on the different Stamp Duty and Capital Gains Tax treatment that applies when property moves in or out of a company.
How we work with landlords
Discovery call
A short call to understand what you hold — one buy-to-let, a growing portfolio, furnished lets or property in a limited company — and how your records are currently kept. We'll be straightforward about whether we're a good fit.
Set-up & timetable
We set up per-property (or per-company) records, agree a fixed fee, and put VAT (where relevant), Corporation Tax, Companies House and Self Assessment property-page deadlines on a clear annual timetable.
Ongoing support
Regular contact through a secure portal, plus a yearly review of your structure — personal versus limited company, mortgage position and any planned purchases or sales — ahead of the decisions that are hard to reverse.
Landlord accounting questions
Should I hold my rental properties personally or through a limited company?
It depends on your income tax band, mortgage gearing and how long you plan to hold the properties — a company is not automatically better. We model the tax, mortgage-cost and Stamp Duty position for your actual portfolio before recommending a structure.
How do you handle jointly-owned rental property?
By default, HMRC treats jointly-owned property income as split 50/50 between spouses or civil partners regardless of the actual ownership share. Where that doesn't reflect reality, we help you make a Form 17 election so income is taxed in line with true ownership.
What changed with furnished holiday lets?
The Furnished Holiday Lettings tax regime was abolished from April 2025, removing the extra reliefs it used to offer. We review what this means for your specific letting income, expense claims and any capital allowances already claimed, and update your filings accordingly.
Do you deal with Capital Gains Tax when I sell a property?
Yes. We calculate the gain, apply any reliefs you're entitled to, and file the 60-day CGT return that HMRC requires after completion, so you're not left trying to meet that deadline without support.
General bookkeeping, tax returns and payroll are covered on our services page. If you're thinking about restructuring how you hold property, a short call is the easiest way to see the numbers before you decide.
Talk to a landlord accountant
Book a short discovery call and we will tell you plainly whether we are the right fit.
Get in touch