Yes, we can and have helped many other UK property companies do so in the past! In the process, we have also had the privilege to continue working with them to see their property businesses grow by assisting in key decisions about company structure, tax status, and registration requirements. We can guide you through registering your limited company, setting up the right share structure, and ensuring you are VAT ready from day one. Find more information about how we can assist you with your property company registration here.

There are many valuable tax reliefs available to landlords and property businesses, but they can be complex to navigate and are often missed without specialist support. Our role is to ensure you claim every legitimate relief you are entitled to while staying fully compliant with HMRC regulations.

Some of the most important reliefs include:

• Capital Gains Tax (CGT) allowances when you sell a property, such as Private Residence Relief (if the property was once your main home), or Business Asset Disposal Relief (formerly Entrepreneurs’ Relief) for qualifying furnished holiday lets or development companies.
• Mortgage interest relief through a limited company structure. Individual landlords are now restricted to a basic rate deduction on mortgage interest (Section 24), but company landlords can still deduct interest in full as a business expense.
• Wear and Tear Allowance and Replacement of Domestic Items Relief – depending on whether you let furnished properties and under which scheme.
• Capital Allowances for commercial property or mixed-use buildings, which may let you write off thousands in tax through items like air conditioning, lifts, security systems, etc.
• Stamp Duty Land Tax (SDLT) group relief in certain corporate reorganisations or intra-group property transfers.

Each case is different, however. For instance, developers may be able to reclaim VAT on building materials if properly registered, or landlords might benefit from letting part of a property as a furnished holiday let, which carries its own tax advantages.

We will walk you through all relevant reliefs, model out the potential savings, and handle the application and documentation to claim them effectively.

This takes a strategic combination of planning, structuring, and accurate record-keeping – all of which we support you with as specialist London chartered accountants for property businesses. Some of the most effective strategies include:

• Using a limited company to hold your properties, which allows full deduction of mortgage interest and often leads to a lower overall tax rate compared to higher-rate personal taxation (especially if you are reinvesting profits rather than drawing them out immediately).
• Claiming all allowable expenses like letting agent fees, service charges, building and contents insurance, repairs and maintenance, mileage for property visits, and legal costs. Many landlords miss out by failing to track these consistently.
• Timing disposals wisely to take advantage of annual Capital Gains Tax allowances, or spreading sales over multiple tax years to avoid pushing your gain into a higher rate band.
• Maximising use of capital allowances for commercial and mixed-use property owners, allowing you to deduct qualifying assets that form part of the building infrastructure.

However, we do not just recommend these strategies – we implement them with you, step by step. This includes setting up clear bookkeeping systems to track rental yields, preparing accurate submissions for HMRC, and mapping out future tax events like planned property sales or refinancing. 

The answer depends heavily on how your property business is structured.

If you own property personally (i.e., as an individual landlord), you are affected by the Section 24 rules, which restrict your ability to deduct mortgage interest from rental income. Instead of deducting the full amount of interest from your taxable profits, you now receive a basic rate (20%) tax credit. This change has significantly increased the effective tax bill for many higher-rate taxpayers.

Example: If your rental income is £30,000, and your mortgage interest is £10,000, you can no longer subtract the £10,000 directly. Instead, you must pay tax on the full £30,000 and only get a 20% credit on the £10,000 interest – which is a big difference if you are in the 40% or 45% tax bracket.

However, if you operate via a limited company, this restriction does not apply. Mortgage interest is treated as a legitimate business expense and is fully deductible from company income before calculating Corporation Tax. This is one of the main reasons many landlords are choosing to incorporate.

Our role is to help you determine which approach suits your financial situation best. For landlords with only one or two properties, incorporation may not be cost-effective due to extra admin and compliance. But for larger portfolios or growth-minded investors, the savings can be substantial.

We will calculate the tax impact of each route, help you monitor your financing costs, and ensure all interest deductions (where allowed) are properly reported.

Working with London chartered accountants for property businesses like us brings far more value than simply preparing your year-end tax return. The UK property market is governed by a mix of complex regulations, tax rules, and constantly shifting government policies. A generalist accountant may lack industry-specific insight to help you stay compliant and optimise your business. Here is how we make a difference:

• In-depth knowledge of property tax law: we are up to date with legislation like Section 24, changes to Capital Gains Tax allowances, stamp duty surcharges, and Making Tax Digital (MTD) requirements, all of which affect property businesses.
• Tailored tax planning: whether you are a landlord, developer, or property manager, we structure your finances for maximum efficiency. This includes incorporation advice, trust structures, and inheritance tax strategies for long-term wealth protection.
• Accurate reporting for multiple income streams: many landlords have mixed portfolios (e.g., HMOs, furnished lets, commercial property). We help you separate and report income correctly, including platform-based income like Airbnb or student lets.
• Support through the entire property cycle: from acquisition (including due diligence and SDLT advice) to management (bookkeeping, VAT, PAYE for contractors), to exit (disposal planning and CGT optimisation), we are with you at every step.
• Avoiding costly mistakes: for example, misclassifying a refurbishment as a capital improvement vs. a repair can affect your tax bill by thousands. We help you get it right the first time.

Working with us means peace of mind. You get expert, hands-on guidance, fast responses, and a digital-first approach that saves you time while protecting your profits.