Milton Keynes Chartered Accountants for landlords.

Landlords: don't let HMRC eat your margins.

Rental income looks simple until the rules, restrictions and deadlines start draining it. We keep the filings right and the tax down, so the profit stays yours.

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Your portfolio

Compliant, every property

Filings, records, deadlines — all handled

Accounts

Reconciled

All properties

Tax returns

Filed early

Property pages

CGT on sales

Reported

Within deadlines

Next step

Portfolio review

Booked

Nothing missed, nothing late

However many properties, one clear picture.

Ltd or personal?

get advice on what's best for you.

Married?

income split between you both tax efficiently.

Airbnb income?

watch out for the VAT trap.

NRL scheme

sorted for landlords living abroad.

Quick facts

Landlords —four key facts.

Property tax has more moving parts than most landlords are told. Some rules cost you, some can save you thousands, and which is which depends on planning done early. Four things worth knowing.

  1. A Ltd company can save landlords tax.

    But incorporating an existing portfolio has traps, and it isn't right for everyone. It needs the maths done properly.

  2. Married couples have options.

    Rental income can be shared between spouses to use both sets of allowances and tax bands. Done correctly, it cuts the household tax bill.

  3. Living abroad doesn't end UK property tax.

    Non-resident landlords still pay UK tax on UK rents, and may need to register under the NRL scheme.

  4. Capital gains can be managed, not just paid.

    Timing sales, using allowances and planning ahead can significantly reduce what you owe when you sell.

Who we help

Landlords —that we help.

Rental income of any kind? You're in the right place.

Single lets, multi-lets, HMOs, short-term and Airbnb lets. Whatever the setup, we know the rules that apply to it.

What nobody tells you

The landlord realitiesnobody warns you about.

Being a landlord looks passive from the outside. The tax rules, the admin and the deadlines tell a different story. Here's what most people never see.

  1. The expenses aren't as generous as you'd think.

    Mortgage interest restrictions and strict rules on what counts as a repair can push your tax bill up dramatically.

  2. Rental income and cashflow rarely line up.

    Mortgages, void periods, repairs and tax payments all land at different times. Planning stops that hurting.

  3. Property deadlines don't bend.

    Self Assessment, CGT reporting windows, late penalties. Miss one and it costs you, automatically.

  4. Personal or Ltd is a real question.

    Each has different tax consequences, especially as the portfolio grows. And there's LLPs to think about too.

  5. Simple record-keeping isn't simple.

    Multiple properties, agents, statements and expenses make clean bookkeeping more demanding than anyone admits.

  6. The long game decides your returns.

    Selling, refinancing, moving abroad, inheritance. Each one changes your tax position, often dramatically.