Section 24
Mortgage interest relief changes eating into your profits? We restructure to claw back what you can.
Expert tax planning and compliance for landlords with portfolios of any size.
The landscape for landlords has shifted dramatically. From Section 24 restricting mortgage interest relief to the upcoming Making Tax Digital (MTD) reforms, the "accidental landlord" approach no longer works.

Mortgage interest relief changes eating into your profits? We restructure to claw back what you can.
Unprepared for quarterly digital reporting? We get your records and software ready well ahead of the deadline.
Unsure if you should incorporate your portfolio? We model the numbers before you commit.
Worried about Capital Gains Tax on future sales? We plan the timing and reliefs to minimise the bill legally.
Complete Self Assessment filing for individual landlords, ensuring all allowable expenses are claimed.
Full accounts and Corporation Tax for property SPVs, including advice on incorporation.
Strategic planning for property disposals to minimise your CGT liability legally.
Specialised services for overseas landlords with UK property income, including NRL1 forms.
Getting you ready for MTD for ITSA with compliant digital record-keeping software.
Advisory on the most tax-efficient ownership structures for your long-term goals.
Understanding your business needs.
Crafting your custom accounting strategy.
Quick and easy integration.
Consistent monitoring and reporting.
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No — Section 24 only restricts mortgage interest relief for individuals. Inside a limited company, mortgage interest is a fully deductible expense again. But the transfer itself triggers Capital Gains Tax and usually Stamp Duty Land Tax at the higher rates, so the saving has to outweigh the entry cost. For portfolios over roughly four properties, incorporation relief or partnership-to-company routes can defer the CGT — we model it before you commit.
It depends on gross rental income (plus any self-employment income). Over £50,000 combined gross brings you into MTD for ITSA from April 2026, £30,000 from April 2027, and £20,000 from April 2028. Note it's gross rent before expenses, not profit — two properties at £1,500/month already cross the £30,000 threshold. We get your bookkeeping onto compatible software well ahead.
UK residential property disposals must be reported and the CGT paid within 60 days of completion via the HMRC Capital Gains on UK Property service — not waiting until your annual Self-Assessment. Late filing is a £100 penalty, and late payment accrues interest fast. We file the 60-day return for you and reconcile it into your year-end return.
The FHL regime was abolished from 6 April 2025 — meaning no more capital allowances on furniture, no more pension-eligible profits, and finance costs restricted under the same Section 24 rules as standard buy-to-let. If you previously ran an FHL, we'll re-model your tax position and look at whether incorporation or a serviced-accommodation trading structure makes more sense going forward.
Yes. If you receive UK rental income while living abroad, you must file Self-Assessment and either register under the Non-Resident Landlord Scheme (NRL1) to receive rent gross, or your letting agent must deduct 20% basic-rate tax at source. We handle the NRL1 application, the annual return, and the double-tax relief claim against your country of residence.

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.