Landlord accountants for London property investors. MTD ITSA, Section 24, the lot.
Single buy-to-let in Hackney? HMO operator with 6 rooms across two boroughs? Holiday-let owner facing the post-FHL changes? Multi-property portfolio approaching the £50K MTD threshold? We work with the full landlord spectrum — and we know the rules that have made UK landlording one of the most heavily-taxed asset classes in Europe.
UK landlord tax has been redesigned to make landlording harder. Specialists know the playbook.
MTD ITSA from April 2026. Section 24 mortgage interest restriction. FHL abolition from April 2025. CGT 60-day reporting. Capital allowances trap on furniture. Four problems below show up in nearly every landlord onboarding from a generalist firm.
"I'm a landlord doing £55K rent and I just heard about MTD?"
From April 2026 every landlord (and self-employed sole trader) with gross rental income above £50,000 per year must file quarterly digital submissions to HMRC under MTD for Income Tax. The £50K threshold is GROSS rental income — before expenses, mortgage interest or void periods. Many landlords with a couple of London BTLs are caught without realising. £150/quarter (£600/year) for our quarterly service.
"My tax bill went up massively after Section 24 and nobody explained why."
Section 24 (introduced 2017-2020) restricts UK landlords from deducting mortgage interest as an expense. Instead you get a basic-rate (20%) tax credit. For higher-rate landlords, this means the effective tax on mortgage interest is much higher than before. A higher-rate landlord with £20K of mortgage interest pays an extra £4,000/year compared to the old system. Limited company landlords are NOT subject to Section 24 — interest is fully deductible.
"I sold a buy-to-let and now HMRC are chasing me for late CGT."
Since April 2020, UK residential property disposals creating a Capital Gains Tax charge must be reported AND the tax paid within 60 days of completion via HMRC's online residential property service. This is in addition to (not instead of) your annual Self Assessment. Penalties for late filing start at £100 then escalate. Most generalist firms still treat property CGT as an annual SA matter and miss the 60-day window. We file the report within days of completion for £350 per disposal.
"My holiday let used to get full tax relief — what changed?"
The Furnished Holiday Lets (FHL) regime — which gave short-let properties full mortgage interest deduction, capital allowances on furniture, business asset disposal relief on sale and pension contribution earnings — was abolished from April 2025. Holiday-let landlords now fall under standard property income rules. Section 24 applies, capital allowances on furniture replaced by 'replacement of domestic items' relief only, and BADR no longer available. Many existing FHL operators face material tax increases without realising.
MTD for Income Tax. Mandatory from April 2026 if your rent is above £50K.
The Government's Making Tax Digital regime extends to landlords from April 2026. If your gross rental income is above £50,000, annual Self Assessment is no longer enough — you must file quarterly. Here's what that means.
Quarterly digital filing replaces annual SA — ignore it and HMRC will impose penalties.
From 6 April 2026, UK landlords (and self-employed sole traders) with gross income above £50,000 per year are caught by MTD for Income Tax. The threshold is gross rental income — before mortgage interest, agent fees, repairs or void periods. A landlord with two London BTLs averaging £2,500/month each is over the threshold without realising.
The new requirement: maintain digital records in MTD-compatible software (Xero, QuickBooks, FreeAgent or specialist landlord tools), submit quarterly summary updates to HMRC within one month of each quarter end, and complete a final declaration at year end. Five filings per year instead of one.
Our MTD for Income Tax Quarterly Service is £150/quarter (£600/year) and covers all four quarterly submissions, the year-end finalisation, MTD-compatible software setup and ongoing compliance. We also model whether incorporating to a limited company structure makes sense — Ltd Co landlords file Corporation Tax, NOT Income Tax, so MTD ITSA does not apply to them.
Everything a property investor needs. Specialist, not generalist.
Click any service to read the dedicated page. All services delivered in-house by chartered accountants who specialise in UK landlord tax.
Self Assessment + Property
Tier 2 SA includes property pages, mortgage interest restriction, expense optimisation. £695/year.
View service →MTD for Income Tax
Mandatory from April 2026 for landlords above £50K gross rental income. £150/quarter quarterly service.
View service →Limited Co Landlord Accounts
BTL Ltd Co accounts — escapes Section 24, full mortgage interest deduction. From £1,200/year.
View service →BTL Limited Company Formation
SPV setup for new acquisitions. Companies House filing, share structure, BTL-friendly setup. From £400.
View service →Tax Planning Workshop
Bespoke £1,200 strategy — Section 24 mitigation, incorporation review, IHT planning, CGT timing.
View service →Property Investment Calculator
Free tool: BTL yield, mortgage stress test, Section 24 impact, profit-after-tax estimator.
Use free tool →Find your landlord service mix and fee. Five questions, one minute.
Answer five quick questions about your portfolio, income and structure. We'll show you the right service mix, an estimated fee, and flag any MTD ITSA, Section 24 or incorporation opportunities relevant to your situation.
Your landlord position
Based on your answers, here's the right setup.
The fees a landlord actually pays. Standard, transparent.
Below is the typical service mix and standard fee. Quotes are issued in writing within 24 hours of the call — request one to see what discounts and seasonal offers are available in the current period.
Landlord service fees
All prices exclude VAT (residential rental is VAT exempt). From the master service-fee schedule.
| Service | Description | Fee |
|---|---|---|
| Self Assessment + Rental Pages For landlords below £50K gross rental income |
Property pages, Section 24 calculation, expense optimisation | from £695/year |
| MTD for Income Tax — Quarterly Service Mandatory April 2026 for landlords above £50K gross rental income |
4 quarterly digital submissions + year-end finalisation, MTD-compatible software | £150/quarter (£600/yr) |
| Capital Gains Tax — 60-Day Report Mandatory within 60 days of residential property disposal |
Gain calculation, reliefs (PRR, letting relief), HMRC online filing | £350per disposal |
| BTL Limited Company Formation SPV setup for new property acquisitions — escapes Section 24 |
Companies House filing, BTL-friendly share structure, registers | from £400one-off |
| BTL Limited Co Accounts — Tier 1 Solo director SPV with single property |
Annual accounts, CT600, confirmation statement, Section 24 doesn't apply | from £1,200/year |
| Portfolio Bookkeeping Multi-property landlords — per-property P&L |
Per-property income and expense tracking, monthly reporting | from £125/month |
| HMO Licensing Accounts Certified accounts for HMO licence applications |
Certified on chartered headed paper, 48hr turnaround | £195one-off |
| Tax Planning Workshop (Landlord) Section 24 mitigation, incorporation review, IHT planning |
Bespoke strategy via secure portal, 2-week amendment window | £1,200fixed |
What our landlord clients actually got back. Real numbers.
Three recent examples from a single-property BTL, an HMO operator approaching MTD ITSA, and a portfolio investor who incorporated. Names changed, numbers real.
£3,800/yr Section 24 hit modelled and partially mitigated
A higher-rate landlord with a single Hackney BTL doing £18K rent and £14K mortgage interest had been told by her old accountant that her tax bill "shouldn't change much" under Section 24. We modelled the actual position — Section 24 was costing her £3,800/year extra in tax. We restructured: increased her pension contributions to drop her into basic-rate territory for the year (Section 24 hits hardest at higher rates), reviewed the mortgage product for a lower-LTV remortgage, and set up the books to capture every legitimate expense properly. Year-one mitigation: £2,100 of the £3,800 hit recovered.
£62K rental income — MTD ITSA registration and incorporation review
An HMO operator with two London properties (8 rooms total) was producing £62K of gross rental income — well above the MTD ITSA threshold. He had no idea MTD applied to him. We registered him for MTD ITSA, set up FreeAgent for landlord tracking with per-property income, and ran the quarterly filings from April 2026 onwards (£600/year). We also modelled incorporation — at his leverage and rental level, BTL Ltd Co structure would save approximately £6,400/year ongoing once the SDLT and CGT incorporation costs were absorbed over a 4-year hold period.
£14K/yr saved by incorporating new acquisitions into BTL SPV
A landlord with 4 personally-held properties was acquiring 2 more. We advised against transferring the existing 4 (the SDLT and CGT cost would have been £85K combined) but recommended structuring the 2 NEW acquisitions through a BTL SPV. Section 24 doesn't apply to Ltd Cos, so the new properties had full mortgage interest deduction. Combined with optimal director salary plus dividends, the SPV structure saved £14K/year vs holding personally. Tier 1 BTL Ltd Co accounts at £1,200/year.
Landlord-specific quote, in writing within 24 hours.
Tell us your portfolio size, rental income, structure and mortgage exposure. We'll send a written fixed-fee quote covering exactly the services you need — and any current discounts or offers in the period.
Frequently asked questions.
If your question isn't here, message us on WhatsApp or book a free 15-minute call.
Landlord accountants in King's Cross, London.
Our office sits at 39-41 North Road, London N7 9DP — five minutes from Caledonian Road tube and ten from King's Cross St Pancras. We work with landlords with properties across Islington, Camden, Hackney, Westminster, Tower Hamlets, the City of London and the wider London BTL market, plus our secondary presence in Wickford / Basildon, Essex.
Most engagements are delivered remotely via video call, secure portal and our client area. For investors who prefer to meet, the King's Cross office is open Monday to Saturday 10am to 7pm.
London N7 9DP
10am to 7pm
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