Accounting
for landlords

With changes happening for UK landlords and the buy-
to-let market regularly, having an accountants that truly
understand the property sector is crucial. There are many
ways to minimise your tax bill and maximise the return
on your property investment.

Whether you’re a buy-to-let landlord, individual landlord,
corporate landlord, property dealer, estate management,
non resident investors, or a second home owner, we have
packages and services to suit your every landlord and
property need.

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    Specific services

    Our specialist team of business
    experts offer a full range of services
    for all your accountancy, tax and
    landlord needs.
    • Limited company accounts
    • Tax returns
    • Property related tax advice
    • Tax efficient structuring
    • Inheritance tax planning
    • Non-UK resident advice

    Expert support around the UK

    Our expert business team is always available to answer your
    questions and give you advice

    7,000
    Clients
    6
    LOCATIONS
    80
    experts

    Your path to easy accounting…

    Hassle free accounting

    All your accounting needs in one place.
    Online accounting & bookkeeping software
    and in person with our friendly team.

    •  No penalty guarantee
    •  4 hour response
    •  Dedicated account manager
    •  Free cloud software
    Saving tax & no penalties

    Helping you navigate the complex property
    tax rules

    • Tax planning advice
    • Corporation tax
    • Capital gains tax
    • Stamp Duty Land Tax (SDLT)
    • Annual Tax Enveloped Dwellings (ATED)
    • Inheritance tax
    No surprises

    Our services give you complete control and
    support for all your contracting needs.

    •  Clear concise advice
    •  Regular reporting
    •  Certainty & confidence
    •  Best client experience
    •  Technology with real-time information

    Our pricing

    We’ve got a range of packages to suit all types
    of people

    Perfect for the small
    business with very few
    transactions
    Starter
    £25 +VAT/month

    Subscribe

    Tax and accountancy
    • Upto 20 transaction support / Bookkeeping
    • 0 / Monthly payroll
    • P11D return
    • Company year-end accounts
    • Corporation tax return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 0 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy
    software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Generate dividend vouchers
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Company secretarial
    • Confirmation statement
    • Registered office
    Company setup
    • Company formation
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Newsletter and tax tips
    • Monthly compliance report
    • IR35 review
    • 0 / Monthly CIS returns
    • Financial planning review
    • The core asset vault – sales & marketing system
    Suitable for small
    businesses requiring
    more support
    Lite
    £90 +VAT/month

    Subscribe

    Tax and accountancy
    • Upto 50 transaction support / Bookkeeping
    • 1 / Monthly payroll
    • P11D return
    • Company year-end accounts
    • Corporation tax return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 1 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy
    software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Generate dividend vouchers
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Company secretarial
    • Confirmation statement
    • Registered office
    Company setup
    • Company formation
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Newsletter and tax tips
    • Monthly compliance report
    • IR35 review
    • 1 / Monthly CIS returns
    • Financial planning review
    • The core asset vault – sales & marketing system
    Our most popular
    package, perfect for
    most businesses
    Standard
    £120 +VAT/month

    Subscribe

    Tax and accountancy
    • Upto 100 transaction support / Bookkeeping
    • 2 / Monthly payroll
    • P11D return
    • Company year-end accounts
    • Corporation tax return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 1 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy
    software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Generate dividend vouchers
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Company secretarial
    • Confirmation statement
    • Registered office
    Company setup
    • Company formation
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Newsletter and tax tips
    • Monthly compliance report
    • IR35 review
    • 2 / Monthly CIS returns
    • Financial planning review
    • The core asset vault – sales & marketing system
    For those who want to
    get the maximum
    service from us
    Premium
    £175 +VAT/month

    Subscribe

    Tax and accountancy
    • Upto 125 transaction support / Bookkeeping
    • 2 / Monthly payroll
    • P11D return
    • Company year-end accounts
    • Corporation tax return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 2 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy
    software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Generate dividend vouchers
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Company secretarial
    • Confirmation statement
    • Registered office
    Company setup
    • Company formation
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Newsletter and tax tips
    • Monthly compliance report
    • IR35 review
    • 3 / Monthly CIS returns
    • Financial planning review
    • The core asset vault – sales & marketing system
    Perfect for the small
    business with very few
    transactions
    Starter
    £15 +VAT/month

    Subscribe

    Online accountancy
    software
    • Upto 20 transaction support / Bookkeeping
    • Sole trader accounts
    • Monthly payroll
    • P11D return
    • Quarterly VAT return
    • Year-end tax review meeting
    • Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Set up
    • Sole trader registration
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Monthly newsletter & tax tips
    • Monthly compliance report
    • Financial planning review
    • The core asset vault – sales & marketing system
    Suitable for small
    businesses requiring
    more support
    Lite
    £30 +VAT/month

    Subscribe

    Online accountancy
    software
    • Upto 50 transaction support / Bookkeeping
    • Sole trader accounts
    • Monthly payroll
    • P11D return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 1 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Set up
    • Sole trader registration
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Monthly newsletter & tax tips
    • Monthly compliance report
    • Financial planning review
    • The core asset vault – sales & marketing system
    Our most popular
    package, perfect for
    most businesses
    Standard
    £65 +VAT/month

    Subscribe

    Online accountancy
    software
    • Upto 100 transaction support / Bookkeeping
    • Sole trader accounts
    • Monthly payroll
    • P11D return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 1 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Set up
    • Sole trader registration
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Monthly newsletter & tax tips
    • Monthly compliance report
    • Financial planning review
    • The core asset vault – sales & marketing system
    For those who want to
    get the maximum
    service from us
    Premium
    £135 +VAT/month

    Subscribe

    Online accountancy
    software
    • Upto 120 transaction support / Bookkeeping
    • Sole trader accounts
    • Monthly payroll
    • P11D return
    • Quarterly VAT return
    • Year-end tax review meeting
    • 1 / Standard self-assessment tax return
    • Tax investigation cover
    Online accountancy software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated account manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Telephone & email support
    Set up
    • Sole trader registration
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other benefits
    • Monthly newsletter & tax tips
    • Monthly compliance report
    • Financial planning review
    • The core asset vault – sales & marketing system
    Our most popular package, perfect
    for most businesses
    Standard
    £15 +VAT/month

    Subscribe

    Self assessment services
    • Tax return submission
    • Dividend / PAYE wages
    • One Bank Account Interest
    • Pension contributions
    • One rental property
    • Tax investigation cover
    • SATR mobile app / cloud based software
    • DD sign ups only
    • Designated accounts manager
    • Free tax review (15 mins)
    For those who want to get the
    maximum service from us
    Premium
    £25 +VAT/month

    Subscribe

    Self assessment services
    • Tax return submission
    • Dividend / PAYE wages
    • One Bank Account Interest
    • Pension contributions
    • One rental property
    • Tax investigation cover
    • SATR mobile app / cloud based software
    • DD Sign Ups ONLY
    • Designated accounts manager
    • Free tax review (15 mins)
    Our most popular package, perfect
    for most businesses
    Standard
    £55 +VAT/month

    Subscribe

    Tax and Accountancy
    • Upto 30 transaction support / Bookkeeping
    • Upto 2 properties
    • Company year-end accounts
    • Corporation tax return
    • Year-end tax review meeting
    • Annual tax on enveloped dwellings (ATED) returns
    • 15 Minute consultation on any property tax related issue
    • 1 / Standard self-assessment tax return
    • Tax investigation cover
    Online Accountancy Software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Generate dividend vouchers
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated Account Manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Unlimited support via telephone or email
    Company Secretarial
    • Confirmation statement
    • Registered office
    Company Setup
    • Company formation
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other Benefits
    • Monthly newsletter and tax tips
    • Monthly compliance report
    • Financial planning review
    • The core asset vault – sales & marketing system
    For those who want to get the
    maximum service from us
    Premium
    £95 +VAT/month

    Subscribe

    Tax and Accountancy
    • Upto 50 transaction support / Bookkeeping
    • Upto 3 properties
    • Company year-end accounts
    • Corporation tax return
    • Year-end tax review meeting
    • Annual tax on enveloped dwellings (ATED) returns
    • 15 Minute consultation on any property tax related issue
    • 2 / Standard self-assessment tax return
    • Tax investigation cover
    Online Accountancy Software
    • Nomisma cloud based real time accounting software
    • Automated invoicing and financial control
    • Track your expenses & store receipts via mobile app
    • Generate dividend vouchers
    • Management accounts – monthly / quarterly / yearly
    • Full training and support
    Dedicated Account Manager
    • Face-to-face meeting during business hours
    • Single point of contact
    • Reference letter for lenders & visas
    • Unlimited support via telephone or email
    Company Secretarial
    • Confirmation statement
    • Registered office
    Company Setup
    • Company formation
    • VAT registration
    • PAYE registration
    • Support with opening a bank account
    Other Benefits
    • Monthly newsletter and tax tips
    • Monthly compliance report
    • Financial planning review
    • The core asset vault – sales & marketing system
    Our most popular package, perfect
    for most businesses
    Standard
    £25 +VAT

    Subscribe

    • Company formation with Company House
    • Share Certificate
    • Articles of Association
    • Memorandum of Association
    • Certificate of Incorporation
    • Business Bank Account
    • VAT Registration
    • PAYE Registration
    For those who want to get the
    maximum service from us
    Premium
    £100 +VAT

    Subscribe

    • Company formation with Company House
    • Share Certificate
    • Articles of Association
    • Memorandum of Association
    • Certificate of Incorporation
    • Business Bank Account
    • VAT Registration
    • PAYE Registration
    Not sure which package suits you? Our experts are here to help!
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    1.

    Call us to chat through
    your requirements.

    2.

    Schedule a meeting
    online

    3.

    Sign up and we’ll
    do the rest

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    FAQs

    Got questions?

    What makes a property furnished?

    Accommodation is classed as furnished if it has a bed, an easy chair and dining facilities for each guest.

    Unfurnished accommodation may be bare or include carpets, curtains and white goods but is essentially any property that is not furnished. Income from each should be listed separately for tax purposes.

    Is there a difference between a tenant and a lessee?

    A tenant is usually the person who is living in the property, regardless of the reasons why, they may have a legal right or not. The lessee has a legal agreement, i.e. the legal right to live there.

    Example 1:- Son buys a flat for Mum to live in – Son is lessee and Mum the tenant.

    Example 2 – Investor buys a flat, and then sublets it out to a family. Investor is lessee, family are tenants and Mum, who signed the lease, is both lessee and tenant.

    I am leaving the UK to take up a work offer abroad and I want to let my property. Do I still have to file a tax return?

    Yes, you are subject to income tax in the UK on UK property. But take care you do not also become liable to foreign tax where you are working.

    I want to buy a property in EU/Overseas. If I let it out how will I be taxed?

    If you are UK resident, then you are subject to income tax in the UK on worldwide property income. But take care you are allowed to buy and you do not also become liable to foreign tax wherever you are planning to buy

    Are there any stamp duty reliefs?

    If this is your first purchase, then First Time Buyer relief may be available to reduce your SDLT bill for properties worth less than £500,000

    If you are purchasing more than one property, then you may be entitled to SDLT relief for multiple dwellings.

    What are the recent changes the government has proposed for landlords?

    The most recent changes are:

    • From April 2020, interest is totally disallowed as a deduction from residential property income for income tax purposes; instead landlords will receive a 20% credit to set against their income tax bill.
    • Lettings relief is changing in April 2020. The existing £40,000 relief per owner for properties let out after being your main home is being replaced by a formal relief for properties let out while the property is still your main home e.g. bed and breakfast, Airbnb or lodgers.
    • There are plans to restrict the ability of landlords to evict tenants.

    Overall the recent changes are so significant that operating as a BTL investor in a partnership or as a sole trader can lead to a negative cash flow and have a devastating effect on landlords with high interest charges. So, make sure you budget costs in advance.

    How are they going to affect me?

    Many buy to let landlords with rental property will be seriously affected by the recent changes, with overall tax payable increasing to such an extent that the rental property may be creating a loss annually. Please refer to example on page 11 which shows how the mortgage restriction affects the tax liability. Some Investors may not be able to continue this as a business and may have to look for other jobs to survive. The only options available will be restructuring including:

    • Let the residential properties as furnished holiday lettings.
    • Sell residential properties and reinvest in commercial buildings.
    • Transfer the residential properties into a company

    What is the most tax efficient solution to avoid the changes?

    One straight forward solution if you have a small portfolio of properties, is to structure these investments through a limited company. The immediate benefit is that the full mortgage interest is allowed as an expense against rental income before tax. Additionally, you can use a number of other means to benefit from using a limited company