Property investor questions, answered
Answers to what property investors ask us most.
Do I need a specialist accountant for property investment?+
A general accountant can file a tax return, but property has its own rulebook: Section 24 mortgage interest restriction, the 5% stamp duty surcharge, capital gains tax at 24% on residential sales, VAT traps on conversions, and limited company structuring. From April 2026, Making Tax Digital adds quarterly digital reporting for many landlords too. We know property so well that we make sure every allowable cost goes in. We know which expenses to look for, and if something's missing we'll ask you for it, so you pay less tax. A specialist typically saves you more in tax than their fee costs, because they know which of these rules applies to your exact situation.
Should I use a limited company for my buy-to-let properties?+
It depends on your income, portfolio size, and plans. The case for a company got stronger in the November 2025 Budget: from April 2027, rental income held personally will be taxed at new higher property rates of 22%, 42% and 47%, while companies keep paying corporation tax at 19% to 25% and are outside Section 24 entirely. But transferring existing properties can trigger capital gains tax and stamp duty, so the answer is personal. We assess your position before recommending either way.
What is Section 24 and how does it affect landlords?+
Section 24 means individual landlords can no longer deduct mortgage interest as an expense. Instead you get a basic-rate (20%) tax credit. Higher-rate taxpayers effectively pay tax on income they never received. Limited companies are not affected, which is one reason so many investors have restructured. From April 2027 the squeeze tightens further when property income tax rates rise by 2 percentage points.
What is Making Tax Digital and does it apply to me?+
From 6 April 2026, landlords and sole traders with qualifying income over £50,000 must keep digital records and send HMRC quarterly updates through approved software. The first deadline is 7 August 2026. The threshold drops to £30,000 in April 2027 and £20,000 in April 2028. If you're affected and not set up yet, this is urgent. We handle the software setup and the quarterly submissions for our clients.
How do you work with clients remotely?+
All our client work is done remotely across the UK using cloud accounting software (Xero), video calls, and secure file sharing. You get the same specialist service wherever you are. Most of our clients never need to visit an office and wouldn't want to.
