The landlord accountant who knows property tax.

Most accountants can file a tax return. Far fewer understand property, and with rental income that gap costs you money.

Here is the test that catches them out. A repair puts something back as it was, like fixing a broken boiler, and it comes off your rental income this year. An improvement makes the property better, like adding an extension, and it does not. It counts later against Capital Gains Tax when you sell. A generic accountant often treats the two the same. Claim an improvement as a repair and HMRC can disallow it. Miss a genuine repair and you quietly overpay.

A specialist landlord accountant works the other way round. We know property tax, so we know where landlords lose money and where they get caught out. We do not just record your rents and costs. We make sure the numbers are right and the bill is as low as the rules allow.

No two landlords have the same tax position, so we do not treat them the same. As an accountant for landlords, we act for people at every stage of property, and we shape the work around yours. Find your situation below.

This is where most landlords lose money, and where a generic accountant most often slips up.

You used to deduct your mortgage interest straight off your rental income before tax. The Section 24 finance-cost rules ended that. Your buy-to-let mortgage interest no longer reduces your taxable rental income. Instead you get a tax reduction worth 20 per cent of the interest, the basic rate, taken off your final bill.

Here is what that means in real numbers. Say you receive £20,000 in rent, pay £8,000 in mortgage interest and £2,000 in other expenses, and you are a higher-rate taxpayer. Under the old rules your taxable profit was £10,000 and your tax at 40 per cent was £4,000. Under the Section 24 rules your taxable profit is £18,000, the tax on that at 40 per cent is £7,200, and you get a 20 per cent reduction on the £8,000 interest, which is £1,600. Your bill is £5,600. That is £1,600 more on exactly the same real profit.

For higher earners the change can also push more of your income into a higher tax band. A good property accountant applies the relief correctly, shows you what it costs, and factors it into how you hold your property. We do not pretend the old rules still apply. We plan around the rules as they are.

The furnished holiday let (FHL) regime gave short-term holiday lets their own tax treatment. It was abolished from 6 April 2025. There is no longer a special FHL category to qualify for.

If you let a holiday property, it is now taxed like any other rental business. The old advantages have gone: the separate capital allowances on furnishings, the more generous Capital Gains reliefs, and counting the profits as earnings for pension purposes.

If you held an FHL, the job now is a clean transition, so your mortgage-interest treatment, your expenses and any future sale are handled correctly under the rules that apply today. We do exactly that.

There is a VAT angle too. Unlike residential rent, which is exempt from VAT, holiday-let income counts towards the £90,000 VAT registration threshold, so a busy holiday let can tip you into having to register for VAT. We watch that line for you.

Yes, and it has already started. Making Tax Digital (MTD) for Income Tax means keeping digital records and sending HMRC quarterly updates through the year, then a final declaration, instead of one return each January.

It is phased in by income. From 6 April 2026 it applies to landlords and sole traders with qualifying income over £50,000, and this wave is live now. It drops to £30,000 from 6 April 2027, and to £20,000 from 6 April 2028, both confirmed. Qualifying income is your gross rent and any self-employment, before expenses, so two average lets can already cross the line.

This only works if your landlord accounting is tidy from the start. We put you on compatible software, get your rents and costs flowing property by property, and keep you ready well ahead of each deadline. We make it routine, not a scramble.

Most landlords pay between £129 and £250 a month, set by the size of your portfolio, not by the hour. A single let on Self Assessment sits at the lower end. A growing portfolio or a limited-company structure sits higher.

No hourly rates. No surprise bills at year-end. One fixed fee, a named landlord accountant who knows property, and a 30-day money-back guarantee.

We are a London firm, based at 12 Hammersmith Grove, London W6 7AP, and our landlord accounting service works UK-wide. Wherever your properties are, we act for you remotely. Call 020 8175 5145 or book a call online.