Specialist accountants and tax advisers for UK landlords and property investors

Not always, but most landlords break even or save money by using one. A property accountant makes sure you claim every allowable expense, apply the Section 24 finance-cost credit correctly, meet the Making Tax Digital quarterly deadlines, and report any capital gain within the 60-day HMRC window. If even one mortgaged property pushes your qualifying income over the MTD for Income Tax threshold (£50,000 from 6 April 2026, £30,000 from 2027, £20,000 from 2028), specialist help usually costs less than the penalties and missed reliefs it prevents.

A property tax accountant handles the tax side of owning rental property: Self Assessment with rental schedules, Section 24 planning, capital gains tax on disposals, incorporation feasibility, MTD for Income Tax compliance, and limited company accounts for buy-to-let SPVs. The work centres on the rules that govern rental income, which a general high-street accountant rarely lives inside day to day.

Fees depend on portfolio size and complexity. A single rental property on Self Assessment sits at the lower end; a multi-property limited company with quarterly MTD filing and management accounts sits higher. We quote after a first call.

A general accountant handles a broad mix of clients and knows the basics of Self Assessment and corporation tax. A specialist property accountant works only with landlords, developers, and investors, so Section 24, the 60-day CGT reporting window, ATED, the Non-Resident Landlord Scheme, and the personal-versus-limited-company decision are core competence. In practice a generalist may still treat mortgage interest as a deductible expense (it has not been since 6 April 2020) and rarely models incorporation.

If your combined property and self-employment income exceeds £50,000, yes. MTD for Income Tax has been live since 6 April 2026, and you must submit quarterly digital reports to HMRC. The threshold drops to £30,000 from April 2027 and £20,000 from April 2028. Use our MTD checker below to see if you are affected and what to file next.

It depends on your mortgage levels, tax bracket, and holding period. Incorporation can move rental profits from personal rates of 40% or 45% (after Section 24) to corporation tax of 19% to 25%, but transferring existing properties triggers SDLT (including the 5% additional-dwellings surcharge) and a CGT charge on the deemed disposal at market value. Use our incorporation calculator below for a quick estimate, then we model the upfront cost against the long-term saving.

Yes, and it is one of the most valuable things we do. We model the corporation tax saving against the upfront cost of SDLT and CGT on transfer, factor in your holding period and mortgage position, and give you a clear recommendation rather than a generic rule of thumb. The incorporation calculator above gives you a quick first estimate.

Yes. Tax legislation is national, so we act for landlords and investors anywhere in the UK, with remote support and digital document handling. We publish city-specific guidance for the markets where we work most, including London, Manchester, Birmingham, Leeds, and Bristol, but a property accountant does not need to share your postcode to advise on Section 24, CGT, MTD, or incorporation.

Not strictly, but the question is whether a generalist can give you useful advice on Section 24, MTD, and incorporation. A specialist helps you make better financial decisions around incorporation feasibility, MTD quarterly reporting, and portfolio-level profitability, and is far less likely to miss a relief or a deadline.