Specialist property accountants

Accountant for Property Investors

ECCO Accountants is a specialist accountant for UK property investors who are growing a portfolio. We set up the right structure, whether that’s your own name, a limited company or a group, run your bookkeeping property by property, and plan the tax before you buy, refinance or sell. Chartered certified (FCCA), fixed monthly fee, working UK-wide.

Book a free 20-minute call

Chaya Orzech FCCA · Xero accountants · Based in Manchester, working UK-wide · Rated 5.0 on Google

Does this sound familiar?

You’re buying faster than your bookkeeping can keep up.
You have several companies and aren’t sure they’re set up the right way.
You’re about to buy, refinance or sell and want the tax right before you commit.
The lender wants accounts and a letter from your accountant, fast.
Your portfolio isn’t as profitable as it should be, and you can’t see what’s pulling it down.
You only hear from your accountant once a year, at the deadline.
Your tax bill keeps climbing.
Every deadline turns into a last-minute rush.
Your accountant is slow to reply and doesn’t really understand property.

Property can be stressful enough. You don’t need the finance and tax stress on top. We take that away so you can focus on growing.

What does a property investor accountant do?

A property investor accountant helps you decide how to own each property, plans the tax on each deal before you commit, and keeps your numbers up to date so you can see what every property earns. The biggest savings come from decisions made before you buy, refinance or sell, which is why we work with you all year rather than only at the deadline.

How should I own my properties?

There’s no single right answer. It depends on your income, whether you’re reinvesting or drawing money out, and how big you want the portfolio to get. This is how the three main options compare:

	Your own name	Limited company	Group of companies
Tax on rental profit	Income tax: 20/40/45%, rising to 22/42/47% from April 2027	Corporation tax: 19% to 25%	Corporation tax: 19% to 25%
Mortgage interest	Basic-rate tax credit only (Section 24): 20%, rising to 22% from April 2027	Fully deductible	Fully deductible
When you sell	Capital gains tax: 18% or 24%	Gain taxed as part of the company’s profit, so corporation tax (no separate CGT)	Same as a company. Property can move between group companies without stamp duty or tax on the gain, if the conditions are met
Taking money out	It’s already yours	Dividends taxed at 10.75% or 35.75%	As a company, with more flexibility on where profit sits
Often suits	Basic-rate taxpayers, small portfolios, or selling soon	Higher-rate taxpayers reinvesting to grow	Several companies, title splits, or developing alongside holding

Rates for 2026/27, correct as at October 2026. Moving property you already own into a company can trigger capital gains tax and stamp duty, so we always work this out on your own figures first.

What do we handle for property investors?

Structure

Your own name, a limited company or a group, set up before you buy.

Tax planned deal by deal

Stamp duty, VAT and corporation tax planned before you exchange, refinance or sell.

Mortgage and refinance support

Accounts and a supporting letter when your lender or broker asks.

No paperwork for you

Our done-for-you Virtual Finance Office handles bookkeeping, bills, receipts, bank reconciliations, supplier payments, VAT and payroll. Snap receipts on our app, forward bills to an email address we give you, or send them on WhatsApp, and we do the rest.

Profit per property

You see what each property and each company really earns, and which ones are holding the portfolio back.

Every strategy

Buy-to-lets, HMOs, serviced accommodation, rent-to-rent, title splits, blocks of flats and conversions.

Answers all year

Fixed fees mean you can call, email or WhatsApp us whenever a question comes up, with no charge for it.

Who do we work with?

Active investors with a growing portfolio. Some of our clients are adding a property every few months; others hold dozens of units across several companies. You might be on your second deal or your fiftieth. What you have in common is that you want the tax planned before the deal, and an accountant you can message when something comes up.

How does it work?

Book a call

A free 20-minute call about your portfolio, your structure and your plans.
Get your plan

We review how you own your properties and show you what we’d change and why.
Grow with us

We run your finance function every month, and you bring us each deal before you commit.

What do our clients say?

“Chaya is definitely my recommendation of an accountant for my serviced accommodation business. She is happy to explain everything clearly in non accountant language, listens well to what I want and is responsive when I have questions.”
Rowena Hicks, LinkedIn testimonial

Rated 5.0 on Google. Read all our Google reviews · More testimonials on LinkedIn

Frequently asked questions

When should a property investor speak to an accountant?

Before you buy, refinance or sell. Most of the tax on a deal is fixed by how it’s structured and when contracts are signed, so a call beforehand usually saves far more than fixing it afterwards.

Is a limited company better for buy-to-let?

Often for higher-rate taxpayers who are reinvesting, because the company can deduct all its mortgage interest and pays corporation tax instead of income tax. It’s not right for everyone, and moving existing property in can cost capital gains tax and stamp duty. If you plan to live off the rental income, the profit is taxed in the company and again when you take it out as dividends, so we plan for both on your own figures.

Do companies pay capital gains tax when they sell a property?

No. A company’s gain is added to its profit and taxed through corporation tax at 19% to 25%.

Can you help with my mortgage application?

Yes. We prepare up-to-date accounts and supporting letters for lenders and brokers, including for investors with several companies.

Do you do the bookkeeping as well?

Yes. Our Virtual Finance Office covers bookkeeping, bank reconciliations, supplier payments, VAT, payroll, accounts and tax, tracked property by property.

Do you work with investors outside Manchester?

Yes. We work with property investors wherever they live, in the UK or abroad, as long as the property is in the UK. Everything runs online.

Planning your next deal?

Book a free 20-minute call before you commit, and we’ll look at the structure and the tax with you.