Landlords & Property Investors
Accountants for Landlords & Property Investors UK
Mortgage interest relief restrictions, Capital Gains Tax rules, Stamp Duty surcharges, and Making Tax Digital have all added layers of complexity that a general accountant isn't set up to navigate properly. We turn that complexity into a clear, proactive plan.
At Hampton Tax Accountants, we work as specialist accountants for landlords and property investors across the UK, supporting everyone from a first-time landlord with a single buy-to-let flat to established investors managing multi-property portfolios through limited companies and SPVs.
Our focus is on making sure your property income is structured, reported, and taxed as efficiently as the rules allow — not just filed correctly after the fact.
Why Landlords & Property Investors Need a Specialist Accountant
- Section 24 — restricts mortgage interest relief for individually-owned rental properties, meaning many landlords pay tax on income they never actually received in profit terms.
- Making Tax Digital for Landlords — requires higher-earning landlords to keep digital records and submit quarterly updates rather than a single annual return.
- Capital Gains Tax — applies whenever a property is sold at a profit, with specific rules, reliefs, and reporting deadlines.
- Ownership Structure — holding property personally, through a limited company, or via an SPV carries very different tax consequences.
Our Landlord & Property Investment Accounting Services
Landlord Self-Assessment
Rental income, allowable expenses, and mortgage interest restrictions all reported correctly, so you claim everything you're entitled to.
Property Portfolio Structuring
Assessing whether personal ownership, a limited company, or an SPV makes the most financial sense for your circumstances.
Section 24 Tax Planning
Modelling what incorporation would mean for your specific portfolio before you commit to it.
Making Tax Digital Compliance
HMRC-compliant digital record-keeping using approved software, making quarterly submissions simple and stress-free.
Capital Gains Tax Advice
Calculating your CGT position in advance, advising on reliefs, and handling residential property disposal reporting deadlines.
SPV & Limited Company Accounts
Statutory accounts, corporation tax returns, and compliance calendar management across single or multiple SPVs.
HMO & Holiday Let Accounting
Correct tax treatment for Houses in Multiple Occupation and furnished holiday lettings, rather than treating them as standard single-lets.
Ongoing Portfolio Advisory
Planning acquisitions and disposals with the tax consequences already modelled, so growth decisions are made with full visibility.
Should I Hold Property Personally or Through a Limited Company?
It depends on your income tax band, portfolio size, and long-term plans. Mortgage interest relief restrictions make company ownership more attractive for many higher-rate taxpayers, but incorporation has its own tax costs and isn't right for every landlord. We model your specific numbers before recommending a structure.
Who We Work With
How We Work With Your Property Business
- Free Initial ConsultationWe review your investment portfolio, ownership structure, and identify opportunities to reduce your tax liabilities.
- Tailored ProposalA clear, fixed-fee quote covering exactly the services your portfolio needs.
- Smooth OnboardingWe take care of the handover from your current accountant and get your record-keeping set up on the right software.
- Ongoing SupportRegular check-ins, proactive deadline reminders, and portfolio-level tax planning as your holdings grow.
Why HTAL
Why Landlords Choose Hampton Tax Accountants
We model the numbers before you make a structural decision, not after you've already committed to it.
FAQ
Frequently Asked Questions
It depends on your income tax band, portfolio size, and long-term plans. Mortgage interest relief restrictions make company ownership more attractive for many higher-rate taxpayers, but incorporation has its own tax costs and isn't right for every landlord.
Section 24 restricts the mortgage interest relief that individually-owned rental properties can claim against rental income, replacing full deductibility with a basic-rate tax credit. This can push some landlords into a higher effective tax rate than their headline income suggests.
Making Tax Digital requirements are being extended to landlords with qualifying property and/or self-employment income above set thresholds, requiring digital record-keeping and quarterly updates. We can confirm whether and when this applies to your situation.
CGT is charged on the profit made when you dispose of the property, after deducting allowable costs and any available reliefs, and residential property disposals carry specific reporting deadlines separate from your annual tax return.
Yes. HMOs and furnished holiday lettings both have their own tax treatment and allowable expense rules, and we account for these correctly rather than treating them as standard single-let properties.
Yes. We handle the full handover from your current accountant, including gathering historical records, so there's no disruption to your filing deadlines regardless of when in the tax year you switch.
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Get Specialist Landlord & Property Investment Accounting Support
If you're looking for accountants who understand Section 24, portfolio structuring, and the practical realities of managing rental income, we're ready to help.
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