Rental income & self-assessment
Property pages prepared accurately and filed on time, with income reconciled across agents, platforms and direct tenants.
Tax for Landlords
Property is a long game. Your tax position should be planned like one.
Rental income looks simple until relief restrictions, repairs rules and disposal deadlines meet each other. We keep your returns accurate and your portfolio efficient — and we tell you what a decision costs before you make it.
Book a free consultationWho this is for
Whether you hold one flat or a growing portfolio, the questions are the same: what do I owe, what can I claim, and what should I do next?
- First-time landlords with a single let
- Portfolio landlords across multiple properties
- Accidental landlords letting a former home
- Furnished holiday and short-term let owners
- Landlords holding property through a company
- Overseas landlords with UK rental income
What’s covered
Everything a landlord actually needs
Allowable expenses
Repairs versus improvements, finance costs, agent fees, travel and wear and tear — claimed correctly and evidenced properly.
Mortgage interest restriction
The finance cost tax reducer applied correctly, and a clear view of what the restriction actually costs your portfolio.
Capital gains on disposals
Gain calculations, private residence and letting relief where available, and the 60-day CGT return handled for you.
Company or personal ownership
An honest analysis of incorporation: the tax saved, the tax triggered, and whether it genuinely makes sense for you.
Portfolio planning
Ownership structure, spousal transfers, refinancing and exit timing considered together rather than one return at a time.
Common pitfalls
The five mistakes we correct most often
- Treating an improvement as a repair, and losing the claim under review
- Missing the 60-day capital gains deadline after a sale
- Deducting full mortgage interest instead of applying the tax reducer
- Incorporating without modelling stamp duty and capital gains first
- Keeping no evidence trail for expenses paid in cash or by an agent
Questions landlords ask
- Do I need to file if I only have one rental property?
- Usually yes. Property income above the £1,000 allowance normally needs reporting through self-assessment, even if the property makes a loss.
- Should I move my properties into a limited company?
- Sometimes it helps, often it doesn't. It depends on your other income, mortgage terms, and the stamp duty and capital gains triggered by the transfer. We model it before recommending it.
- What happens when I sell a property?
- A UK residential disposal at a gain generally needs a capital gains return and payment within 60 days of completion. We prepare the calculation and file it for you.
- Can you take over from my current accountant mid-year?
- Yes. We handle the professional clearance, records transfer and HMRC authorisations, and your first three months are fee-matched under our Switch Promise.
Let’s talk
Ready to work with an accountant who actually understands your numbers?
A 30-minute conversation is usually enough to see where you stand and what could be done better.