Property and Real Estate
In property, structure drives returns. We keep income, costs and tax in order across your portfolio, and advise on how best to hold, finance and sell each asset.
Landlords, investors and developers
From a single rented flat to a development company with several active sites.
- Landlords and investorsPortfolios held personally, in a company or in partnership, from a single let to dozens of homes.
- Developers and property managersBuilding, converting and managing property for others, with long projects, development finance and clients’ money to account for.
What shapes your returns
Structure
Personal ownership, a limited company or a group structure, each with different tax outcomes.
Finance costs
If you own residential property personally, tax relief on mortgage interest is limited to 20%, even if you pay tax at a higher rate.
Selling a property
Capital Gains Tax on a residential sale must be reported and paid within 60 days of completion, with penalties for late filing.
Reliefs and tax changes
Frequent changes to the rules on rental income, and reliefs, from Private Residence Relief to replacing furnishings, that apply only when claimed correctly.
Where we make the difference
One dedicated team for your books, accounts, tax and advice, shaped around how property and real estate works.
- Portfolio bookkeepingIncome and costs tracked property by property, in digital records ready for Making Tax Digital.
- Landlord and company accountsYear-end accounts and tax returns for individuals, partnerships and property companies.
- Property tax planning and adviceAdvice on how to hold, finance, pass on or sell each property, with the tax implications clear before you act.
- Finance for your next moveForecasts and lender-ready figures for an acquisition, a refinancing or a new scheme, so you know the numbers work before you commit.
Our latest thinking
- TaxLandlords and savers: income tax on rents and interest rises to 24%, 44% and 49%Briefing2 min read2 min read
- TaxGrowth and advisoryOwning rental property through a company: the sums after Budget 2026Insight2 min read2 min read
- TaxSelling a property that is not your home: 60 days to report and payGuide2 min read2 min read
Frequently asked questions
Which costs can I claim against my rental income?
Most day-to-day costs of letting, such as agents’ and management fees, repairs and maintenance, insurance, ground rent and service charges, accountancy fees, and replacing furnishings in a furnished let. Improvements are not deducted from rent, but they can reduce the gain when you sell. Mortgage interest on homes you own personally is relieved separately. We make sure every allowable cost is claimed.
Can I still deduct mortgage interest from my rental income?
Not if you own the property personally. You are taxed on rental profit before mortgage interest and receive a tax credit worth 20% of the interest instead, so a higher-rate landlord can pay tax on more than their real profit. That is why it pays to model your position before you buy, remortgage or restructure.
Read: Landlords and mortgage interest: why your tax bill is bigger than your profit suggestsShould I hold my properties in a limited company?
Sometimes. A company pays Corporation Tax and can deduct its finance costs in full, but moving properties you already own into one normally counts as a sale, which can bring Capital Gains Tax and Stamp Duty Land Tax. Mortgages can cost more, and taking profits out of the company is taxed again. We run the numbers for your portfolio before you decide.
What do I need to do when I sell a rental property?
If there is Capital Gains Tax to pay on a UK residential property, you must report the sale to HMRC and pay the estimated tax within 60 days of completion. Missing the deadline brings automatic penalties and interest. We work out the gain, including allowable costs such as improvements and selling fees, and file the return for you.
Read: Selling a property that is not your home: 60 days to report and payDoes Making Tax Digital apply to landlords?
Yes, once your property and self-employment income together pass HMRC’s threshold, after which you keep digital records and send HMRC an update every quarter. The threshold is being lowered in stages, so more landlords are brought in each year. We check when it applies to you, set up the software and send the updates for you.
Read: Making Tax Digital for landlords: what counts, and what you sendTalk to us about property and real estate
Tell us about your business. We will reply within one working day and arrange a call with the people in our team best placed to help.