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Accountant for Landlords
Fixed fee, online accountants for buy-to-let, portfolio and company landlords
We prepare your rental accounts and tax return, claim every allowable expense, apply your mortgage interest relief correctly and get you ready for Making Tax Digital. Whether you own one flat or a growing portfolio, you pay one agreed monthly fee.
- Property tax return filed for you
- Mortgage interest relief applied
- Making Tax Digital ready
- No hidden costs
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In short
What does an accountant for landlords do?
An accountant for landlords works out the tax on your rental income. They prepare your property accounts and the property pages of your Self Assessment, claim allowable expenses, apply the tax credit for mortgage interest, calculate Capital Gains Tax when you sell, and keep you compliant with Making Tax Digital. For company landlords, they also handle company accounts and Corporation Tax.
- Rental accountsIncome and expenses for every property
- Tax returnProperty pages completed and filed on time
- Mortgage interestFinance cost relief applied correctly
- SellingCapital Gains Tax worked out and reported
Landlords we help
Every rental set-up is taxed a little differently. As a landlord accountant, we work with all of these.
Single-property landlords
Renting out one flat or house, including accidental landlords who let a former home. We keep things simple and make sure nothing is missed.
Portfolio landlords
Several properties, mortgages and letting agents. We track income and costs by property so you can see which ones really pay.
Limited company landlords
Property held in a company. We prepare company accounts and Corporation Tax, and plan how you take money out.
Accountants for limited companiesNon-resident landlords
Living abroad and letting property in the UK. We deal with the Non-Resident Landlord Scheme and your UK tax return.
Non-resident landlordsHoliday let owners
Since April 2025, furnished holiday lets are taxed like other rental property. We make sure your returns reflect the current rules.
Renting a room
Letting a furnished room in your own home. Under the Rent a Room Scheme, up to £7,500 a year can be tax-free.
See landlord pricing
Our landlord packages are set out clearly on one page, so you can compare before you speak to us.
What's included for landlords
Choose the services you need, all covered by one fixed monthly fee agreed before we start.
Self Assessment with property pages
Your rental profit, other income and finance cost relief on one return.
Rental bookkeeping
Rent, agent statements and costs recorded for each property.
Making Tax Digital
Digital records and quarterly updates to HMRC, with property income included.
Capital Gains Tax
Gains worked out when you sell, and reported to HMRC on time.
Property company accounts
Company accounts and Corporation Tax for landlords who own through a company.
Non-Resident Landlord Scheme
Registration and returns for landlords who live outside the UK.
Landlord tax rules for 2026/27
The figures that matter most if you let property in your own name.
Tax on rental profit
Rental profit is taxed at your income tax band. From 6 April 2027, property income has its own rates of 22%, 42% and 47%.
Mortgage interest
Residential landlords can't deduct mortgage interest from rent. Instead, you get a tax credit at the property basic rate.
Property allowance
If your gross rental income is £1,000 or less in a tax year, you usually don't need to tell HMRC.
Capital Gains Tax
Gains on residential property above the £3,000 annual exempt amount. Tax due must be reported and paid within 60 days of completion.
Making Tax Digital
Quarterly digital updates apply when your combined rental and self-employed income is over £50,000.
Stamp Duty surcharge
Buying an additional residential property in England or Northern Ireland adds 5% to each Stamp Duty band.
Sources: GOV.UK paying tax on rental income, GOV.UK Capital Gains Tax, GOV.UK Stamp Duty rates. Income tax bands differ in Scotland, and Wales has its own Land Transaction Tax.
What landlords can claim
You can deduct costs incurred wholly and exclusively for letting your property. Improvements are treated differently from repairs.
| Usually allowable | Treated differently |
|---|---|
| Letting and management agent fees | Mortgage capital repayments are not deductible |
| Repairs and maintenance, such as fixing a boiler | Improvements, such as an extension, count towards Capital Gains Tax instead |
| Landlord insurance, ground rent and service charges | Residential mortgage interest gives a tax credit rather than a deduction |
| Replacing furniture and appliances like for like | Buying items for a new let isn't covered by replacement relief |
| Accountancy fees, safety certificates and legal fees for arranging lets | Legal fees for buying a property are added to its cost for Capital Gains Tax |
Own property personally or through a company?
It's one of the biggest decisions landlords face, and moving existing property into a company can trigger Stamp Duty and Capital Gains Tax. These signs can help, and we'll run the numbers for your situation.
Owning personally may suit you if…
- You have one or two properties
- You're a basic rate taxpayer
- You rely on the rental income to live on
- You want the simplest paperwork
A property company may suit you if…
- You're a higher rate taxpayer with mortgages
- You plan to reinvest profits and grow
- You're buying new property rather than transferring
- You're thinking about passing property on
Fixed fee accountant for landlords
Rental costs can be unpredictable, so your accountancy fee shouldn't be. As a fixed fee accountant for landlords, we agree one monthly price before we start, whether you have one property or several.
- One fee for your whole portfolio
- No charge for questions
- Price agreed before we start
Online accountant for landlords
Your properties may be spread across the country, or you may live abroad. As an online accountant for landlords, we work from agent statements and bank feeds, and you can reach us by phone, email or video.
- Agent statements uploaded online
- Support for UK and overseas landlords
- Open weekday evenings and Saturdays
Selling a property, or behind on returns?
Capital Gains Tax on residential property has a 60 days reporting deadline. Talk to us before you complete, or let us bring earlier returns up to date.
Landlord FAQs
Do landlords need an accountant?
You don't have to use one, but many landlords do. Rental tax has its own rules, including how mortgage interest is relieved, which costs are repairs rather than improvements, and how Capital Gains Tax works when you sell. An accountant makes sure you claim what you're entitled to and file on time.
Do I need to tell HMRC about rental income?
Usually, yes. If your gross rental income is more than £1,000 in a tax year, you'll need to report it through Self Assessment. If you rent a furnished room in your own home, the Rent a Room Scheme lets you earn up to £7,500 a year tax-free.
Can I claim mortgage interest against rental income?
Not as a direct deduction if you own residential property in your own name. Instead, you receive a tax credit worth 20% of your mortgage interest and other finance costs. Landlords who own through a limited company can usually deduct mortgage interest in full.
How is rental income taxed?
Rental profit is added to your other income and taxed at 20%, 40% or 45% depending on your tax band. From 6 April 2027, property income has its own rates of 22%, 42% and 47% in England, Wales and Northern Ireland.
Do landlords have to use Making Tax Digital?
Yes, once your qualifying income is over the threshold. Qualifying income is your combined gross rental and self-employed income, and the threshold is currently £50,000. You'll need compatible software and to send quarterly updates to HMRC, which we can do for you.
How much Capital Gains Tax do I pay when I sell a rental property?
Gains on residential property are taxed at 18% or 24%, depending on your income, after the £3,000 annual exempt amount. You must report the sale and pay any tax within 60 days of completion.
Should I put my rental properties into a limited company?
It can reduce tax for some landlords, particularly higher rate taxpayers with mortgages who plan to grow. But transferring existing property into a company usually triggers Stamp Duty and Capital Gains Tax, so it needs careful planning. We'll compare the options for your situation.
How much does an accountant for landlords cost?
It depends on how many properties you have, whether you own them personally or through a company, and the services you need. We charge one fixed monthly fee, agreed before we start. You can compare packages on our landlord pricing page.
Talk to an accountant for landlords
Tell us about your properties and we'll confirm your fixed monthly fee, with no obligation.