Compliance and advisory for UK landlords.
MTD Income Tax readiness. Section 24 planning. SPV structuring. Year-round portfolio reporting through Compliance Vault™.
Property tax is one of our specialisms. We are RR Accountants — a compliance and advisory firm built on standards, not promises. MTD goes live April 2026. Section 24 has bitten higher-rate landlords for years. Year-end shouldn't be a surprise — and with Compliance Vault™, it isn't.
Is this for you?
- UK residential landlords with 3–10+ properties
- Personal-name landlords affected by Section 24
- SPV (Special Purpose Vehicle) property limited companies
- Landlords approaching the April 2026 MTD threshold (£50k gross rental)
- Property investors planning portfolio disposals (CGT) or transfers (SDLT)
- Mixed portfolios (residential + commercial, UK + overseas)
What we handle.
Self-assessment + property pages
SA105 / SA110 prepared and filed for rental income.
MTD Income Tax (from April 2026)
Quarterly submissions, digital records, final declaration.
Section 24 modelling
Mortgage interest restriction impact assessed and planned.
SPV annual accounts + CT600
Limited company property accounting handled correctly.
SPV vs personal-name analysis
Which structure is right for your situation, properties, and exit plan.
Capital Gains Tax planning
Disposal timing, PRR, lettings relief, and SDLT modelled.
Allowable expenses
Repairs vs improvements, finance costs, furnishing — claimed correctly.
Portfolio Reporting Pack
Property-by-property P&L monthly. Know each property's yield.
The system that turns this into a year-round process.
Evidence Pack captures every lease, rent statement, repair receipt, mortgage statement, and CGT computation. Deadline Lock tracks SA, MTD quarterly dates, SPV deadlines, and CGT 60-day property reporting. Portfolio Reporting Pack delivers property-by-property numbers monthly.
Read more about Compliance Vault™Documented in your engagement letter. Reviewed annually.
- WhatsApp typically under 30 min
- Email within 1 working day
- Monthly close by the 7th
- Phone manned reception, typically within 10 min
What you're paying for if you don't have an accountant who plans ahead.
All figures are documented from real client scenarios — not invented. The point isn't fear; it's clarity about what good advisory actually saves.
Section 24 not planned for (higher-rate landlord)
£5,000–£30,000+ excess tax per year
MTD Income Tax non-compliance (from April 2026)
Points-based penalties from first missed submission
SPV transfer at the wrong time
5% SDLT on full market value, irreversible
CGT on disposal not planned
5–10% excess CGT vs available reliefs
Repairs claimed as improvements (or vice versa)
Disallowed deduction + HMRC penalty
HMRC let property campaign disclosure missed
Up to 100% of unpaid tax + interest + penalties
Three steps. No back-and-forth.
Step 01: 20-minute call
We confirm fit and walk through how this would work for your specific situation.
Step 02: Engagement and onboarding
Engagement letter, Direct Debit, and Compliance Vault™ setup — typically within 24 hours.
Step 03: Year-round delivery
Monthly numbers, tracked deadlines, advisory raised — plus an Annual Compliance Review every 12 months.
Every client. Every year.
The Annual Compliance Review is where routine filing becomes a controlled planning cycle. For landlords & property investors, we review the last 12 months, confirm what has changed, and agree the next decisions before tax, filing, or advisory windows close.
Read more about the Annual Compliance ReviewScope and deadlines
Engagement scope, known filings, and deadline ownership confirmed for the next 12 months.
Tax position
Salary, dividends, pension, VAT, R&D, MTD, IR35, Section 24, or growth issues reviewed where relevant.
Evidence trail
Records, authorisations, AML/KYC, and Compliance Vault™ housekeeping checked before the busy window.
Service standard review
Response times, fee scope, named-accountant continuity, and support cadence reviewed in writing.
What you get from us — that other firms don't deliver structurally.
Property-specialist depth
Section 24, SPV structuring, MTD for landlords, CGT — handled with actual expertise, not generalist guesswork.
MTD already prepared
We're onboarding affected clients now, not panicking in March 2026.
Property-by-property reporting
You know which properties are profitable each month, not just at year end.
Standards in writing
WhatsApp under 30 min. Email within 1 working day. In your engagement letter, reviewed annually.
Landlords & property investors — common questions.
Do landlords need an accountant in the UK?
Not legally — but most landlords with more than 2 or 3 properties use one. UK property tax involves Section 24, MTD Income Tax (from April 2026), SPV vs personal-name decisions, CGT on disposals, and SDLT on acquisitions. The rules change frequently. An accountant typically pays for themselves through one missed allowance.
How much does an accountant cost for a landlord?
Landlord accountancy fees depend on portfolio size, ownership structure, SPVs, bookkeeping quality, MTD readiness, 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 when does it start?
Making Tax Digital for Income Tax starts April 2026 for landlords and sole traders with gross income above £50,000. From April 2027, it extends to those above £30,000. You'll need digital records and four quarterly submissions per year. We prepare clients now.
What is Section 24?
Section 24 restricts the tax relief landlords can claim on mortgage interest. Since April 2020, mortgage interest is no longer deductible from rental income for personal-name landlords; instead it gets a 20% basic-rate tax credit. Higher-rate taxpayers can pay £5,000–£30,000+ more tax per year than under the old rules.
Should I put my properties into an SPV?
Depends on your situation. SPVs (limited companies for property) aren't affected by Section 24 in the same way and can be more tax-efficient at scale. But transferring existing properties triggers SDLT and CGT — often making it the wrong move retrospectively. We model your specific situation before any transfer.
Can I claim mortgage interest on my rental property?
If you own personally: no, you can't deduct it from income — instead you get a 20% basic-rate tax credit (Section 24). If you own through an SPV: yes, mortgage interest is fully deductible against profit. This is one of the main reasons clients incorporate.
What expenses can I claim as a landlord?
Allowable expenses include letting agent fees, property repairs (not improvements), insurance, council tax during voids, accountant fees, professional clean and inventory costs, advertising for tenants, and general property maintenance. Capital improvements are added to the property's CGT base cost rather than deducted.
How is rental income taxed?
Rental income is taxed at your marginal rate (20%, 40%, or 45%). Allowable expenses reduce taxable rental profit. For personal-name landlords, Section 24 restricts mortgage interest relief. SPV-owned property pays corporation tax on profit (currently 19–25%). MTD changes the reporting cadence from April 2026.
Read more from our Resources Hub.
Often handled together.
Before you book, check whether this is the right type of firm for you.
Good fit
- You want compliance handled before deadlines become urgent.
- You want advice based on clean records, not January guesswork.
- You value published response standards and a named accountant.
Not the right fit
- You want the cheapest filing-only option.
- You want grey-area schemes or aggressive tax positions.
- You regularly send records late and still expect rush filing.
Book a 20-minute call.
We'll confirm whether we're a fit, and if we are, we'll tell you exactly what landlords & property investors would look like for your business.