Your trusted local accountants
Section 24 modelling, incorporation analysis, capital gains planning, furnished holiday lets, SDLT reviews. We've modelled every scenario for 30+ UK landlords — before they commit to anything.
Tell us about your business — we'll explain how we can help and what it would cost.
A landlord's tax bill is shaped more by timing than anything else. We build the models before you commit — so you know the tax consequence in advance.
We show exactly what Section 24 is costing you this year, in five years, and under various rental-growth scenarios. You'll see the real damage — and the options to soften it.
We model both paths over a 10-year horizon — CGT on transfer, SDLT, ongoing CT vs. income tax, mortgage re-financing, and exit strategies. Then you decide.
Staggered disposals, principal private residence relief, rollover into FHLs, use of annual CGT allowance, joint-ownership planning with spouses. We find CGT savings most accountants never look for.
FHLs still enjoy better tax treatment (where qualifying). We check occupancy tests, handle the 105-day / 210-day rules, and advise on Rollover and Business Asset Disposal relief on sale.
Property tax has more moving parts than most accountants are comfortable with. These are the ones that bite hardest.
Clients come to us with built-up CGT they could have avoided by incorporating 2–3 years earlier. We model it properly — and tell you the right time, not the convenient one.
Section 24 gives a 20% tax credit on mortgage interest — but only if it's actually claimed correctly. We see generalists miss this on complex portfolios every year.
The 3% surcharge, the 2% non-resident surcharge, multiple dwellings relief, mixed-use rates. We review every purchase — and often recover SDLT from transactions 12+ months old.
Husband-and-wife portfolios often sit in one name when a 50/50 or bespoke Form 17 split would slash the household tax bill. A five-page form, a five-figure saving.
"They modelled incorporation vs keeping my 8-property portfolio personal. £47k in projected CGT savings over 10 years — worth the fee on the first call. They actually showed me the spreadsheet instead of just telling me 'it depends.'"
It depends on portfolio size, gearing, income tax band, and how long you plan to hold. We model both paths over 10+ years. For small portfolios with low mortgages, often no. For geared portfolios held long-term by higher-rate taxpayers, frequently yes. We'll show you the spreadsheet.
Section 24 gives a 20% tax credit on mortgage interest rather than full deduction. We model the true annual cost for your portfolio, explore workarounds (incorporation, spousal transfer, switching to Ltd mortgage products) and file correctly every year.
Yes — we review every purchase for overpayment. We regularly recover SDLT on transactions 12 months old: multiple dwellings relief, mixed-use rates, non-resident surcharge adjustments, and annexe reliefs. Often pays for 3 years of fees.
Yes — and we'll review whether a Form 17 split in unequal proportions would save tax. Most couples hold 50/50 by default when a 70/30 or 90/10 split would be more efficient. Takes one form and a week to reshape.
Fixed monthly fees from £150+VAT for single BTL landlords, £280+VAT for portfolios up to 10 properties, £580+VAT for larger portfolios or Ltd SPVs with full CT returns. All include annual tax planning, HMRC enquiry defence, and SA filings.
From cashflow to business growth, we'll make it feel easy. If you're ready to take the next step and get your business on the path to growth, get in touch today so we can learn about your plans.