Section-24 Mortgage Restriction Now Applies
Finance costs that were 100% deductible under FHL are now restricted to a 20% basic-rate credit — for many owners that's a four-figure tax rise. We model the hit and plan around it.
Who we helpAudience
Furnished Holiday Lettings accounting, handled.
The FHL regime ended 6 April 2025. The tax planning that follows it is more important than the regime ever was.
From 6 April 2025, HMRC abolished the Furnished Holiday Lettings tax regime — no more 100% finance-cost relief, no more capital allowances on new spend, no more BADR on disposals, no more relevant earnings for pension purposes. Your cottage or coastal let is now taxed as ordinary property income. We help FHL owners restructure properly — incorporation, transitional relief, capital-allowance pooling before the cut-off, and CGT planning on exit.
- Post-April-2025 FHL Abolition Treatment
- Transitional Capital Allowance Crystallisation
- BADR & Rollover Relief Window Closure
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- ACCA-qualified
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Our impact
How we help furnished holiday lettings succeed.
01 02 Capital Allowances — Last-Chance Pooling
Pre-April-2025 expenditure on furniture, fixtures, and integral features that was never properly pooled can still be claimed via the transitional rules. We do the survey and the claim — most owners are sitting on five-figure pools.
03 Incorporation Modelled Properly
Moving an FHL into a limited company can restore mortgage-interest relief — but triggers SDLT and CGT. We model the numbers across a 5-year and 10-year horizon before anyone signs paperwork.
04 CGT on Disposal: BADR Gone
Selling post-April-2025? BADR's 10%/14% rate is no longer available on FHL gains — they're taxed as residential property at 18%/24%. We plan the timing, the reliefs left, and the spousal-transfer options.
Tailored services
Everything you need for furnished holiday lettings.
01 Transitional Capital Allowance Claims
Survey, pool, and claim the unclaimed plant-and-machinery and integral-features allowances before the window narrows.
02 Incorporation & Section-24 Workarounds
Modelled comparisons of personal ownership, LLP, and Ltd structures — including the SDLT and CGT cost of transfer.
03 Mortgage Interest Restriction Planning
Restructuring debt, ownership shares, or trading basis to manage the new 20% basic-rate credit cap.
04 Capital Gains on Disposal
CGT planning on sales using the residential 18%/24% rates, PRR if ever lived-in, and spousal transfers to use both annual exemptions.
05 Pension & Relevant Earnings Loss
FHL profits used to count as relevant earnings for pension contributions — they no longer do. We restructure the income mix to keep contributions tax-relievable.
06 VAT on Short-Term Lets
Once gross income clears the £90k VAT threshold, holiday lets are standard-rated — we handle registration, the TOMS questions, and the Flat-Rate Scheme decision.
How we work
Four steps from first call to filed.
01 Discovery
Understanding your business needs.
02 Solution Design
Crafting your custom accounting strategy.
03 Onboarding
Quick and easy integration.
04 Regular Rhythm
Consistent monitoring and reporting.
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Common questions
Frequently asked questions.
We conduct thorough reviews of your business structure and financial activities to identify legitimate tax deductions, relief opportunities, and planning strategies. Our approach ensures you pay only what you legally owe while maintaining full compliance with HMRC regulations.
Our specialised eCommerce accounting team understands the unique challenges of online selling — multi-channel inventory management, international sales taxation, platform fee structures, and digital payment reconciliation. This focused expertise allows us to provide more relevant and valuable services than general accounting firms.
We provide comprehensive support throughout any HMRC inquiry — preparing necessary documentation, representing your interests during communications with authorities, identifying potential issues before they escalate, and negotiating favourable resolutions when possible.
Free · 30 minutes · No obligation
Stop overpaying tax. Start filing in 5 days.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000–£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
