Landlord Accountant London | £90/Month | Buy-to-Let Tax | Property Portfolio | LOYALS

⭐ 4.8/5 from 100+ reviews

🏆 ICAEW Chartered

🏘️ 500+ Properties Managed

💷 From £90/month

🏠 SPECIALIST LANDLORD ACCOUNTANTS

Landlord Accountants London Maximise Returns, Stay Compliant

Expert ICAEW chartered accountants for London landlords and property investors. From £90/month for rental accounts and tax returns, to complete property development services with finance, refurbishment, refinancing, and sale management. Serving landlords across Westminster, Kensington, Camden, Islington, and all London boroughs.

📅 Book Free Landlord Consultation 📞 Call: 07450 258975

⭐⭐⭐⭐⭐ Rated 4.8/5 by London landlords | ICAEW Chartered | 7-day support

Why London Landlords Choose LOYALS

We're not just accountants for landlords—we're property investment specialists who help you maximize rental profits and grow your portfolio strategically.

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Maximize Tax Efficiency

Claim every allowable expense, optimize your structure (personal vs limited company), minimize Capital Gains Tax, and access mortgage interest relief strategies. Our landlord tax specialists ensure you keep more rental profit.

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Portfolio Growth Support

Ready to expand? We advise on limited company incorporation for tax-efficient portfolio growth, analyze property acquisitions, structure financing, and provide ongoing strategic guidance as your property business scales.

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Property Development Service

Unique to LOYALS: Complete property development support. Our team handles property selection, secures development finance, manages refurbishment budgets, arranges refinancing to repay investors, and coordinates profitable sales.

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HMRC Compliance Guaranteed

Never miss a Self-Assessment deadline or face penalties. We handle all landlord tax returns, rental income reporting, Capital Gains Tax filings (within 60 days of sale), and Making Tax Digital compliance for you.

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Buy-to-Let Specialists

Whether you have one rental property or a 50-property portfolio, we understand buy-to-let taxation inside out: rental income tax, capital allowances, furnished holiday lets, rent-a-room relief, and HMO accounting.

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7-Day Support Access

Extended hours including weekends mean you can reach us when you need us. Whether it's a tax question at 6pm on Friday or a property deal requiring urgent advice on Saturday morning—we're available.

Landlord Accounting Services & Pricing

Choose the right support level for your property business—from essential compliance to complete portfolio development.

Landlord Essentials

£90

per month

Perfect for landlords with 1-5 rental properties needing compliant annual accounts and tax returns.

✓ Annual rental property accounts
✓ Self-Assessment tax return preparation
✓ Rental income and expense tracking
✓ Allowable expense optimization
✓ Mortgage interest relief claims
✓ Property allowance guidance (£1,000)
✓ HMRC correspondence handling
✓ Unlimited phone & email support
✓ Dedicated ICAEW accountant

Get Started →

⭐ MOST POPULAR

Portfolio Growth

Custom

tailored to your portfolio

For landlords with 5+ properties or ready to expand through strategic limited company structuring.

✓ Everything in Landlord Essentials
PLUS Portfolio Growth:
✓ Limited company incorporation for properties
✓ Property transfer tax planning
✓ Corporation Tax vs Income Tax analysis
✓ Portfolio structure optimization
✓ Capital Gains Tax mitigation strategies
✓ Acquisition and sale advisory
✓ Finance structuring guidance
✓ Monthly strategic portfolio reviews

Discuss Your Portfolio →

🚀 COMPLETE SERVICE

Property Development

Custom

project-based pricing

End-to-end property development: from finance to refurbishment to refinancing and sale. Complete team support.

✓ Everything in Portfolio Growth
PLUS Development Team:
✓ Property selection and analysis
✓ Development finance sourcing
✓ Private investor coordination
✓ Refurbishment budget management
✓ Refinancing arrangement & negotiation
✓ Investor repayment structuring
✓ Property sale coordination & completion
✓ Legal, finance, marketing team access

Start Your Development →

Our Property Development Process

From initial property selection to final sale—our integrated team makes property development seamless and profitable.

Property Selection

Our property investors analyze potential developments, assess location viability, calculate renovation costs, and project after-repair values to ensure profitable opportunities.

Finance & Investors

We secure development finance, coordinate with private investors, structure funding agreements, and ensure capital is available throughout the project timeline.

Refurbishment

Manage the entire refurbishment process: contractor coordination, budget tracking, quality control, and timeline management to maximize property value.

Refinance & Sale

Arrange refinancing to repay investors, use proceeds to complete the property, coordinate the sale, settle the refinance loan, and you retain the profits.

Explore Property Development →

Trusted by 500+ London Property Investors

Real results from landlords across Westminster, Kensington, Camden, Islington, Southwark, Hammersmith, and all London boroughs.

500+

Properties Managed

4.8★

Google Rating

100%

HMRC Compliance

£18K

Average Annual Tax Savings

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"LOYALS helped us incorporate our 8-property portfolio into a limited company, saving us over £22,000 in tax annually compared to holding them personally. The restructuring was seamless, and their ongoing support ensures we claim every allowable expense. Best decision we made for our property business."

Richard & Amanda K.

Portfolio Landlords | Kensington & Chelsea | 8 Buy-to-Let Properties

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"As a first-time landlord, I was overwhelmed by tax obligations. LOYALS explained everything clearly: allowable expenses, mortgage interest relief, how to report rental income. They file my Self-Assessment perfectly every year, and I've never had an issue with HMRC. Worth every penny of the £90/month."

Priya M.

Buy-to-Let Landlord | Islington | 2 Rental Properties

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"The property development service is phenomenal. LOYALS found us an ideal property in Hackney, secured development finance, managed the entire refurbishment, then arranged refinancing that paid back our investors while leaving us with £87,000 profit. They coordinated everything—lawyers, finance, contractors. We're now on project number three with them."

David & Sarah T.

Property Developers | Hackney | 3 Completed Developments

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"LOYALS identified £8,400 in unclaimed capital allowances from past years on my HMO properties. They reclaimed it all, plus advised me on the most tax-efficient way to expand my portfolio. Their landlord accounting knowledge is exceptional—they understand property inside out."

Mohammed A.

HMO Landlord | Southwark | 4 HMO Properties

Read All 100+ Five-Star Google Reviews →

🏛️ Essential Government Resources for UK Landlords

Important links to HMRC guidance, Companies House resources, and property registration services:

Landlord Accounting FAQs

Common questions from London landlords about tax, compliance, and property investment accounting.

How much does a landlord accountant cost in London? +

LOYALS offers landlord accounting from £90/month, including annual rental property accounts, Self-Assessment tax returns, and ongoing support throughout the year. This covers rental income reporting, expense optimization, and HMRC compliance for properties held personally. For portfolio growth (limited company setup, multiple properties) or property development services, we provide tailored packages. Unlike traditional accountants who charge £500-£1,200 annually for basic filing, our monthly service includes unlimited support and proactive tax planning.

What tax do landlords pay on rental income in the UK? +

Landlords pay Income Tax on rental profits (rental income minus allowable expenses) at their marginal tax rate: 20% basic rate, 40% higher rate, or 45% additional rate. You must register for Self-Assessment with HMRC and declare rental income annually if it exceeds £1,000 (property allowance threshold). National Insurance is NOT payable on rental income. Additionally, Capital Gains Tax (10% or 28% depending on your income) applies when selling rental properties, with a CGT return required within 60 days of completion. Our landlord accountants ensure you claim all allowable expenses (repairs, insurance, letting fees, mortgage interest relief) to minimize your tax liability legally.

Should I set up a limited company for my property portfolio? +

A limited company structure can be highly beneficial for landlords with growing portfolios or those purchasing multiple properties. Benefits include Corporation Tax at 19-25% (instead of Income Tax up to 45%), full mortgage interest relief (lost for personally-held properties after 2020 changes), easier property transfers to family or investors, and asset protection. However, incorporation involves costs, administrative requirements (annual accounts, Corporation Tax returns, director's tax), and potential Capital Gains Tax when transferring existing properties. LOYALS analyzes your specific situation—current income, portfolio size, future plans—to determine if limited company incorporation makes financial sense. We handle the entire company setup, property transfer tax planning, and ongoing compliance if it's right for you.

Can you help with property development finance and refinancing? +

Yes. LOYALS offers a unique complete property development service that goes far beyond traditional accounting. Our integrated team includes property investment experts, finance specialists, lawyers, and project managers who handle every stage: (1) Property Selection – we analyze potential developments for profitability and location viability, (2) Development Finance – we secure funding from lenders and coordinate private investors with structured agreements, (3) Refurbishment Management – we oversee contractors, budgets, timelines, and quality control, (4) Refinancing – we arrange refinancing to repay private investors using the increased property value, (5) Completion & Sale – we coordinate the final sale, settle the refinance loan, and you retain the profits. This seamless end-to-end service has helped London property developers complete profitable projects from Hackney to Westminster. Book a consultation to discuss your development project.

What expenses can landlords claim for tax relief? +

Landlords can claim numerous allowable expenses to reduce taxable rental profit: property repairs and maintenance (but not improvements), letting agent fees and property management costs, buildings and contents insurance, ground rent and service charges, utility bills if paid by landlord, council tax if paid by landlord, property advertising costs, professional fees (accountancy, legal), interest on property loans (20% tax credit for residential), travel costs for property inspections, and telephone and stationery costs. You CANNOT claim: mortgage capital repayments, property purchase costs (claimed via Capital Gains instead), personal expenses, or improvements (renovations that add value—these increase your property's CGT base cost instead). Capital allowances may be available on furnished properties for items like white goods and furniture. LOYALS ensures you claim every eligible expense and optimize your structure (personal vs company) for maximum tax efficiency.

Do you handle Capital Gains Tax when I sell a rental property? +

Yes. Capital Gains Tax on property sales requires specialist knowledge and tight deadlines. When you sell a UK residential rental property, you must report the gain and pay any CGT due within 60 days of completion—failure results in penalties. CGT rates are 18% (basic rate taxpayers) or 28% (higher/additional rate) on residential property gains. We calculate your precise liability, claim all available reliefs (Private Residence Relief if you lived in the property, Lettings Relief for certain cases, annual CGT allowance of £3,000), optimize the timing of sales to spread gains across tax years if beneficial, file the CGT return on time, and advise on tax-efficient reinvestment strategies. For landlords considering portfolio incorporation, we also explore Incorporation Relief and Holdover Relief to defer CGT on property transfers to your limited company. Proper CGT planning can save thousands—book a consultation before selling any property.

Which London areas do you serve for landlord accounting? +

We serve landlords with properties across all London boroughs and surrounding areas: Westminster, Kensington and Chelsea, City of London, Camden, Islington, Hackney, Tower Hamlets, Southwark, Lambeth, Wandsworth, Hammersmith and Fulham, Richmond upon Thames, Kingston upon Thames, Croydon, Bromley, Bexley, Greenwich, Lewisham, Newham, Barking and Dagenham, Redbridge, Havering, Waltham Forest, Haringey, Enfield, Barnet, Brent, Ealing, Hounslow, Hillingdon, Harrow, Merton, Sutton, and extending into Hertfordshire, Essex, Surrey, and Kent. Our office is in King's Cross (N7 9DP), but 100% of our landlord services can be delivered remotely via phone, email, video calls, and our secure client portal. You never need to visit in person unless you prefer face-to-face meetings. Whether you have one buy-to-let in Kensington or a 20-property portfolio across multiple boroughs, we provide the same expert service with local knowledge and HMRC compliance expertise.

What is the deadline for landlord Self-Assessment tax returns? +

Landlord tax returns cover the tax year from 6th April to 5th April and must be filed by 31st January following the end of the tax year. For example, the 2024/25 tax year (6 April 2024 to 5 April 2025) requires filing by 31 January 2026. Late filing incurs automatic £100 penalties immediately, then daily penalties of £10/day after 3 months (capped at £900), and potential higher penalties if over 6 months late. Payment of any tax due is also required by 31 January, with 5% surcharges for late payment after 30 days and 6 months. LOYALS handles 100% of your Self-Assessment: we prepare the return, submit it on time to HMRC, calculate tax owed, and remind you of payment deadlines. We also file on-account payments (advance payments toward next year's tax) if required. You'll never miss a deadline or face HMRC penalties with our landlord accounting service—we track everything automatically and keep you compliant year-round.

Do you work with Furnished Holiday Let (FHL) landlords? +

Yes. Although the Furnished Holiday Lets tax regime was abolished in April 2025, we continue to support former FHL landlords navigating the transition. Previously, FHL properties qualified for beneficial tax treatment (capital allowances, business asset disposal relief, offset losses against general income). Post-April 2025, FHL income is treated as standard rental income subject to normal property taxation rules. We advise FHL landlords on: tax implications of the regime ending, how to restructure for optimal tax efficiency under new rules, capital allowances claims made before the deadline, planning property sales to minimize CGT, and whether limited company incorporation makes sense now. If you operate short-term holiday lets through Airbnb, Booking.com or similar platforms in London or beyond, LOYALS ensures you remain fully compliant with current HMRC rules while minimizing your tax liability. The FHL changes have significant financial implications—book a consultation to review your position.

Can you help me switch from my current accountant? +

Absolutely. Switching landlord accountants is straightforward, and we handle 100% of the process in 7-10 days with zero disruption to your property business. Here's how it works: (1) Initial Consultation – we discuss your current situation, property portfolio, frustrations with your existing accountant, and what you need, (2) Formal Engagement – you sign our engagement letter and give us permission to contact your old accountant, (3) Professional Takeover – we formally notify your previous accountant, request all property records and tax files, and liaise with HMRC to update your tax agent details, (4) Record Review – we audit transferred records to identify any issues, missed expenses, or unclaimed reliefs, (5) Seamless Service – we take over immediately with no gaps in compliance or deadlines missed. Many landlords who switch to LOYALS discover their previous accountant was overcharging, missing legitimate expense claims, or providing poor service. There are NO tax penalties for switching accountants mid-year—you can change at any time. Book a free consultation to discuss your property accounting needs, and we'll show you how we can provide better service, save you tax, and support your portfolio growth from £90/month.

Ready to Maximize Your Rental Returns?

Join 500+ London landlords and property investors who trust LOYALS for expert buy-to-let accounting, tax planning, and property development services.

✅ Free 30-minute landlord consultation
✅ Portfolio structure analysis
✅ Tax savings calculation
✅ Limited company incorporation advice
✅ Property development opportunity assessment
✅ No obligation, zero pressure

📅 Book Your Free Landlord Consultation

Or call 07450 258975
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