Tax Specialists for UK Landlords
Whether you have one property or a growing portfolio, we handle the taxes so you can focus on what matters.
- Peace of mind for your taxes
- Making Tax Digital
- Maximise compliance and allowable deductions
Whether you have one property or a growing portfolio, we handle the taxes so you can focus on what matters.
Your rental profit (rental income minus allowable expenses) is added to your other income and taxed at your marginal rate of income tax — basic rate, higher rate, or additional rate. You report this on your annual Self Assessment tax return by 31 January each year. We prepare and file this for you.
Since April 2020, individual landlords can no longer deduct mortgage interest directly from rental income. Instead, you receive a 20% tax credit on your mortgage interest costs. This means higher and additional rate taxpayers effectively pay more tax on rental profits than before. We model your tax position and explore any planning opportunities available to you.
Allowable expenses include letting agent and management fees, repairs and maintenance (but not improvements), building and contents insurance, accountancy and legal fees, ground rent and service charges, council tax or utility bills you pay, and travel costs directly related to the property. We review your records to ensure nothing is missed.
MTD for Income Tax requires landlords to keep digital records and submit quarterly updates to HMRC instead of a single annual return. It applies from April 2026 if your combined property and self-employment income exceeds £50,000, from April 2027 for income above £30,000, and from April 2028 for income above £20,000. We'll get you set up with the right software and ensure you're fully compliant before the deadlines hit.
