Accountant for Landlords & Property Investors
Companies999 provides specialist accountancy and tax advice for landlords, property investors, developers, and property companies across the UK. We understand the complex and constantly changing tax rules affecting property ownership and help you structure affairs to minimise tax within the law. Single buy-to-let or multi-property portfolio, personal or company-held — we handle it all.
What We Offer
Tailored services for you
Rental Income Tax Returns
Accurate self-assessment tax returns for personal landlords covering all rental income, with expenses properly claimed and tax liability minimised.
Property Company Accounts
Full limited company accounts for property SPVs and holding companies, including Corporation Tax returns, dividend planning, and statutory filings.
Capital Gains Tax Planning
Strategic advice on CGT when selling investment properties, including principal private residence relief and lettings relief calculations.
Development & Flipping Accounts
Accounting for property developers and flippers, including correct tax treatment of trading profits, VAT on conversions, and project cost tracking.
MTD for Landlords
Full compliance with Making Tax Digital for Income Tax, including digital record keeping and quarterly submissions to HMRC.
Company Structure Advice
Guidance on whether to hold properties personally or through a limited company, including incorporation relief and stamp duty implications.
Section 24 Mortgage Interest Restriction
Individual landlords can no longer deduct mortgage interest as an expense. Instead, you receive a 20% tax credit. Higher-rate (40%) and additional-rate (45%) taxpayers pay significantly more. For example, with £20,000 rental income and £10,000 mortgage interest at the 40% rate: you pay tax on the full £20,000, then receive a £2,000 credit = £6,000 net tax (vs £4,000 under old rules). We calculate the exact impact and advise on mitigation.
Personal vs Company Ownership
Holding property in a limited company avoids Section 24 entirely and receives full mortgage interest relief. Corporation tax is 19–25% depending on profits. However, company ownership means: 3% stamp duty surcharge, potentially higher mortgage rates, and extraction costs for personal use of funds. We provide a full long-term comparison for your specific portfolio.
Capital Gains Tax on Property
Current CGT rates on property: 18% for basic-rate taxpayers, 24% for higher-rate. We calculate liability accounting for allowable costs, annual exempt amount (£3,000), and reliefs. The Business Asset Disposal Relief rate rises from 14% to 18% from April 2026.
Making Tax Digital for Landlords
MTD for Income Tax becomes mandatory from 6 April 2026 for landlords with gross rental income (plus self-employment) over £50,000. This drops to £30,000 from April 2027 and £20,000 from April 2028. You must keep digital records and submit quarterly to HMRC via approved software. We set up compliant systems and handle submissions.
HMO and Multi-Unit Accounting
HMOs have additional considerations: room-by-room income tracking, higher maintenance, licensing fees, and potentially different VAT treatment for short-term lets. We track income and expenses at property and unit level.
Why Choose Us
Specialists in property tax
Property taxation is a minefield of mortgage interest restrictions, capital gains reliefs, and ever-changing rules. We keep on top of it all so you can focus on growing your portfolio without worrying about the tax implications.
Software We Work With
FAQs
Frequently Asked Questions
How much does a landlord accountant cost?
Our fees are based on the time required and the complexity of preparing your accounts. We provide a clear, fixed quote upfront before we start, so you know exactly what you will pay. We never base our pricing on turnover. Call us on 0121 638 0905 for a free, no-obligation quote.
Should I hold buy-to-let in a company?
Depends on your tax rate, mortgage size, plans, and whether you need rental income personally. We do a full comparison.
What is Section 24?
It restricts mortgage interest relief for individual landlords to a 20% credit. Particularly affects higher-rate taxpayers. We calculate the impact and advise on mitigation.
How is CGT calculated on property?
Gain = sale price minus purchase costs, minus improvements, minus annual exempt amount (£3,000). Rates: 18% basic, 24% higher. We optimise timing and structure.
What is MTD for landlords?
From April 2026, landlords with income over £50,000 must keep digital records and file quarterly with HMRC. We set up software and handle submissions.
Can you help with development accounting?
Yes. Correct treatment of trading profits, VAT on conversions, and project cost tracking.
Do you handle non-resident landlord tax?
Yes. We manage Non-Resident Landlord Scheme obligations and prepare UK tax returns.
Can you set up a property SPV?
Yes. We advise on structure, handle incorporation, set up accounting, and manage ongoing compliance.
Ready to get started?
Whether you're buying your first buy-to-let or managing a growing portfolio, we're here to help. Call us on 0121 638 0905 for a free discovery call.