Landlord accountants · UK-wide
Landlord accountant UK.
MTD Income Tax. Section 24 planning. SPV structuring. CGT. Year-round portfolio reporting through Compliance Vault™. Led by Iftikhar Rashid FCCA, 16 years in property and landlord tax.
Book a call →What is a landlord accountant?
A landlord accountant is a specialist who handles the tax and compliance obligations specific to UK property letting. This includes self-assessment with SA105 property pages, MTD Income Tax quarterly submissions from April 2026, Section 24 mortgage interest modelling, SPV structuring, capital gains tax on disposals, and year-round portfolio reporting. RR Accountants is led by Iftikhar Rashid FCCA with 16 years in practice specialising in landlord and property tax.
Who this is for: UK landlords with 1+ residential properties, HMO operators, SPV property companies, and property investors planning disposals.
What a landlord accountant handles
Self-assessment — SA105 property pages →
Annual self-assessment return with property income pages prepared and filed accurately. Rental profit calculated, all allowable expenses claimed.
MTD Income Tax (from April 2026) →
Quarterly digital submissions, software setup, HMRC registration. Required for landlords above £50,000 gross.
Section 24 modelling →
Mortgage interest restriction impact quantified across your portfolio. Options modelled: SPV transfer, portfolio rebalancing, pension contributions.
SPV annual accounts + CT600 →
Statutory accounts and corporation tax returns for limited company property portfolios, filed with Companies House and HMRC.
Capital Gains Tax planning →
Disposal timing, principal private residence relief, lettings relief, and CGT computations modelled before you sell. 60-day reporting handled.
Portfolio Reporting Pack →
Property-by-property P&L delivered monthly through Compliance Vault™. Know each property's yield before year-end.
How landlord accountant fees are scoped
Fee agreed in writing after a 20-minute call. Scope depends on portfolio size, ownership structure, records, MTD readiness, SPVs, and advisory depth.
Personal-name landlord
Self Assessment, SA105 pages, MTD readiness, bookkeeping, portfolio reporting
Usually scoped around number of properties, rental records, finance costs, and MTD status.
SPV landlord (limited company)
Annual accounts, CT600, bookkeeping, dividends, and director Self Assessment
Usually scoped around entities, mortgage records, management reporting, and personal tax links.
Self-assessment only
Annual return with property pages
Usually scoped around rental income, expense evidence, property count, and whether CGT or MTD applies.
Fees confirmed in writing after a 20-minute call. VAT charged separately where applicable. Full pricing →
Why landlords use a specialist accountant
Section 24 not planned
£5,000–£30,000+ excess tax per year for higher-rate landlords
MTD Income Tax non-compliance (from April 2026)
Points-based penalties from first missed quarterly submission
SPV transfer at the wrong time
5% SDLT on full market value — often irreversible
CGT on disposal not planned
5–10% excess CGT vs available reliefs, missed 60-day deadline
Repairs vs improvements misclassified
Disallowed deduction + HMRC enquiry risk
HMRC Let Property Campaign disclosure missed
Up to 100% of unpaid tax + interest + penalties
Landlord accountant — FAQs
What does a landlord accountant do?
A landlord accountant prepares and files your self-assessment return with property pages (SA105), advises on allowable expenses, manages MTD Income Tax compliance from April 2026, models Section 24 mortgage interest restriction, advises on SPV structuring, and plans capital gains tax on property disposals. A specialist landlord accountant goes further — providing year-round advisory and portfolio reporting, not just annual filing.
Do I need a specialist landlord accountant or will any accountant do?
Most landlords with more than two properties benefit from a specialist. UK property tax involves Section 24, MTD Income Tax, SPV vs personal-name structuring, CGT across multiple disposals, and HMO-specific rules. A generalist accountant may handle the compliance but rarely has the depth to advise on the decisions. The difference typically pays for itself through one missed allowance or poorly-timed disposal.
How much does a landlord accountant cost in the UK?
Landlord accountancy fees depend on portfolio size, ownership structure, bookkeeping quality, MTD readiness, SPVs, capital gains planning, and whether portfolio reporting is needed. RR Accountants confirms the fee in writing after a 20-minute call, once the scope is clear.
What is MTD Income Tax and do I need to register?
Making Tax Digital for Income Tax started April 2026 for landlords with gross rental income above £50,000. Affected landlords must keep digital records and submit four quarterly updates to HMRC. From April 2027, the threshold drops to £30,000, and from April 2028 to £20,000. See gov.uk/topic/business-tax/making-tax-digital.
Can a landlord accountant help with Section 24?
Yes. Section 24 restricts mortgage interest relief for personal-name landlords to a 20% basic-rate tax credit. A specialist accountant models your exact position — profit, interest, marginal rate — and advises on whether restructuring into an SPV makes sense for your portfolio, or whether other strategies (pension contributions, portfolio rebalancing) are more cost-effective.
What is an SPV and should I use one for my properties?
An SPV (Special Purpose Vehicle) is a limited company used to hold property. SPVs can deduct mortgage interest in full (unlike personal-name landlords under Section 24) and pay corporation tax on profits. However, transferring existing personally-held properties into an SPV triggers Stamp Duty Land Tax and potentially Capital Gains Tax. Whether it is right for you depends on your portfolio size, borrowing, exit plans, and income. We model this before recommending it.
How do I switch to a specialist landlord accountant?
Switching is straightforward. We request professional clearance from your previous accountant, transfer your records into Compliance Vault™, and complete onboarding within two weeks. Most landlords switch at year-end or after receiving an unexpectedly large tax bill. The first call takes 20 minutes.
What is the Annual Compliance Review?
The Annual Compliance Review (ACR) is a structured 12-month review completed by every RR client. It covers AML verification, fee review, Compliance Vault™ sign-off, and any changes to your circumstances that affect the coming year's compliance. It replaces ad hoc annual check-ins with a predictable, documented standard — in writing, every year.
Ready for a specialist landlord accountant?
Book a 20-minute call. We will confirm whether we are a fit and tell you exactly what the next step looks like.
Book a call →Iftikhar Rashid FCCA · 16 years in practice · Specialist in property and landlord tax