HMRC-registered landlord tax specialists for UK buy-to-let investors, HMO operators, FHL owners and portfolio landlords. Section 24 modelling, Making Tax Digital for landlords, capital gains on disposal, incorporation analysis — all from a fixed monthly fee.
Landlord Tax Accountant — UK
Being a landlord in the UK has become significantly more tax-complex in the last decade. The wear-and-tear allowance was abolished. Section 24 progressively restricted mortgage interest relief between 2017 and 2020 and now caps it at a 20% basic-rate credit. The 3% stamp duty surcharge on additional dwellings was raised to 5% in October 2024. Capital gains tax residential rates changed from 18% and 28% to 18% and 24% in the same Budget, with the disposal still needing to be reported through the UK Property Account within 60 days. The Furnished Holiday Lettings regime was abolished from April 2025. And Making Tax Digital for Income Tax became mandatory for landlords with gross property income of £50,000 or more from April 2026 — with the threshold dropping to £30,000 from April 2027.
Your Tax Help Accountants is an HMRC-registered agent practice specialising in landlord taxation. We work with single-property amateur landlords, professional portfolio investors, HMO operators, accidental landlords renting out a former main residence, expatriate non-resident landlords, and limited-company landlords running BTL through SPVs. From a one-bed flat in Birmingham to a thirty-property HMO portfolio in Glasgow, the underlying mechanics are the same: model the tax position properly, capture every legitimate expense, comply with MTD where required, and plan disposals in advance. We are headquartered in Stanmore but operate as a fully online practice serving landlords across England, Scotland, Wales and Northern Ireland.
If you became a landlord more than three years ago and have not had a Section 24 impact assessment done recently, there is a meaningful chance your tax position is materially worse than it needs to be. For higher-rate taxpayers with mortgaged BTL, the difference between staying as an individual and transferring into a limited company can run into thousands of pounds per year — and the calculation has changed since the 2024 Budget.
What We Handle
Full self-assessment return with the SA105 property pages: rental income, allowable expenses, Section 24 mortgage interest credit, replacement of domestic items relief, capital allowances where applicable, and reconciliation against any letting agent statements.
Full Making Tax Digital compliance for landlords above the £50k income threshold (£30k from April 2027). HMRC-recognised digital record-keeping, four quarterly updates per property income source, end-of-period statement and final declaration as a single fixed-fee package.
Detailed Section 24 impact calculation showing the difference between pre-restriction treatment and current rules, projected five-year cost, and incorporation cost-benefit analysis where the numbers justify exploring it.
Full incorporation modelling: stamp duty cost on transfer (5% additional dwelling rate), capital gains on disposal from individual to company, mortgage refinancing implications, corporation tax projections, salary/dividend extraction strategy and ongoing limited-company compliance.
UK Property Account 60-day capital gains return at 18% or 24% residential rates, full base-cost calculation including capital improvements, principal private residence relief and lettings relief where applicable, and year-end SA reconciliation.
Non-Resident Landlord registration, dealing with letting agent or tenant withholding at source, claiming personal allowance where double taxation treaties allow, and filing the SA100 with non-resident landlord supplementary pages.
HMO accounting including treatment of licensing fees as allowable expenses, occupancy-based apportionment of utility and council tax costs, and the more complex expense categorisation needed for shared-occupancy properties.
Multi-year arrears of landlord self-assessment returns, missing UTRs, Let Property Campaign disclosures, HMRC enquiries, penalty notices and Time to Pay arrangements. We bring landlord clients back into compliance within four to six weeks.
Standard onboarding for new landlord clients: four-year review of past returns to identify under-claimed expenses, miscoded mortgage interest, missed replacement of domestic items, and overpayment relief opportunities. Most new clients receive a refund within the first month.
Making Tax Digital for Income Tax became mandatory in April 2026 for landlords with gross rental income of £50,000 or more in the previous tax year. Compliance means digital record-keeping in HMRC-recognised software, quarterly updates per property income source, an end-of-period statement and a final declaration. Penalties now apply on a points-based system. If you are above the threshold and not yet on a compliant workflow, we will get you there inside thirty days.
Recent Client Outcome
A higher-rate-taxpayer landlord based in Leeds came to us in January with six buy-to-let properties — two in Leeds, three in Bradford, one in Sheffield — held personally with mortgage finance against five of them. Total gross rental income approximately £78,000. He had been filing his own self-assessment returns through HMRC's online service. Section 24 had been quietly increasing his tax bill year on year and he had not modelled the impact.
We ran a full Section 24 reconciliation. His effective tax rate on the property profits was around 47% once the mortgage interest restriction was properly applied — driven by the credit being at basic rate while his other income pushed him firmly into higher-rate territory. We then ran the incorporation model. Net of stamp duty on transfer at the additional-dwelling rate, refinancing costs, and the ongoing limited-company compliance, the projected five-year tax saving was £42,000. We also identified £3,200 of allowable expenses that had been missed across the last two years of self-assessment — primarily HMO licensing renewals he had treated as capital, the proportion of his home office used for portfolio management, and replacement of domestic items relief on three furnished properties.
Outcome: amended returns recovered £1,180 of overpaid tax. Newly-incorporated SPV took over four properties in stages over six months. Year-one tax saving from the incorporated structure plus the corrected expense claims: £8,420. Engagement fee for the full incorporation project: £2,800. He has remained a client on a fixed monthly fee since.
Why Landlords Choose Us
Landlord Tax Questions Answered
Free fifteen-minute consultation. Section 24 modelling and incorporation cost-benefit included as standard for higher-rate landlord clients. MTD-compliant workflow ready when you are. Same accountant from quote through to filed return — for one property or thirty.
Or email info@yourtaxhelp.co.uk — we typically respond within two business hours.