Your tenants pay the rent. HMRC takes the profit.
Under Section 24 you are taxed on rent before mortgage interest, not on what you keep. We show what your structure costs, and whether there is a better one.
Compliance in the background. Advice while there is still time to act.
The rules changed. Most landlords' accounting didn't.
Section 24 replaced mortgage interest relief on personally held property with a basic-rate credit. Higher-rate payers lost out, and some moved up a band on income they never received.
Many did nothing, because nobody modelled the alternatives: incorporation, ownership between spouses, how expenses are structured. None of it helps unless someone puts it on the table.
That is the job an accountant should be doing.
Should you incorporate your portfolio?
The honest answer needs analysis, not a rule of thumb. Our Property Incorporation Review models it on your numbers.
- The tax you could save each year
- The SDLT and CGT you trigger getting there
- What happens to your mortgages
- How long it takes to break even
Sometimes the answer is yes. Sometimes it is no, and you avoid an expensive mistake. Either way, you see the numbers.
The dates that matter
Thresholds are frozen until 2031, so more income lands in higher bands. These dates apply to landlords in England. Figures are for guidance and depend on your circumstances.
Advice before the year closes
We review every landlord client in February or March, while changes can still be made before the tax year ends on 5 April, not the following January.
The rest of the year, compliance runs in the background and you hear from us when it matters.
What we do for landlords
Seven services, one fixed monthly figure that only includes what you need. A single let and a fifty-property portfolio get the same care and a different price.
Property Incorporation Review
The tax, financing and practical effects of moving your portfolio into a company, or leaving it where it is.
Self Assessment
Property income and capital gains included, filed on time, with the numbers explained.
Property tax review
Allowable expenses, interest relief and how the portfolio is taxed today. Often where landlords find reliefs they had missed.
Capital gains tax review
Planning ahead of a disposal: reliefs, timing and the 60-day reporting deadline that catches people out.
Bookkeeping
For portfolio landlords with volume, and the on-ramp to Making Tax Digital for everyone else.
Company accounts and corporation tax
For landlords already holding through a company, or about to.
VAT for developers
Property development VAT, for the landlords who build as well as let.
Seven tax mistakes costing UK landlords thousands
Everyday errors that push up a landlord's tax bill, and the checks that stop them. Written by us, checked against HMRC guidance, five pages.
- Treating mortgage interest like an expense
- Assuming holiday-let breaks still apply
- Missing the £1,000 property allowance
- Forgetting the 60-day CGT deadline
- Not claiming replacement of domestic items
- Ignoring whether to incorporate
- Leaving Making Tax Digital to the last minute
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Questions landlords ask us
Short answers here. Longer ones on a call, with your own numbers in front of us.
Should I put my properties into a limited company?
It depends on your tax band, portfolio size, mortgage structure and how long you plan to hold. Anyone answering without your numbers is guessing. The Property Incorporation Review models it properly.
What can I actually claim as an expense?
Repairs, letting agent fees, insurance, ground rent, professional fees and travel to the property typically qualify. Improvements do not. They go against capital gains instead. We go through your position line by line.
I have one property. Am I too small for you?
No. A single let still has a tax return, still has allowable expenses and still has a right answer on structure. Your estimate only includes what you need.
I am selling a property. What do I need to know?
You have 60 days from completion to report the gain and pay the capital gains tax. Talk to us before you exchange. Most planning options close on completion.
Does Making Tax Digital apply to me?
If your qualifying income, meaning self-employment and property income before expenses, was above £50,000 in the 2024/25 tax year, yes, from April 2026. The threshold falls to £30,000 in 2027 and £20,000 in 2028. Our Making Tax Digital page explains what changes and what to set up.
What happens after I enquire?
Within one working day a named person gets back to you, by email or phone, whichever you gave us. If you asked for an instant estimate you already have the figure, and the call turns it into a proposal. Nothing is set up and nothing changes with your current accountant until you say yes. If it is urgent, ring 020 8087 3107.
Landlords we work with
In their words, with their permission.
Josh has been an invaluable asset to my serviced accommodation business. His expertise and professionalism in handling financial matters have greatly contributed to the success and smooth operation of my business. He is attentive, responsive, and always goes above and beyond to ensure that my accounting needs are met efficiently. I highly recommend Echo Accountants to anyone in need of accounting services.
Come and say hello.
Bring the mortgage statements, the agent's reports and the question you have been meaning to ask. We would rather hear from you before 5 April than after.
Advice while there is still time to act.