What does an HMRC rental income letter mean? A HMRC nudge letter for undeclared rental income  means HMRC strongly suspects you have …
Specialist Landlord Tax Planning Accountants in the UK
The UK property tax landscape has never been more hostile. From the punishing reality of Section 24 to the impending burden of Making Tax Digital, DIY accounting is no longer safe. We help portfolio landlords, developers and overseas investors legally minimise tax and protect their rental yields.
How can landlords reduce tax in the UK?
UK landlords can minimise tax by claiming all allowable expenses, mitigating Section 24 restrictions through limited company incorporation & strategically timing property sales to manage Capital Gains Tax. Professional tax planning protects your rental yields while ensuring strict compliance with HMRC.
Why Expert Landlord Tax Planning Matters
Filing a basic self assessment tax return is no longer enough to protect your profits. The rules have changed fundamentally:
A standard high street accountant will simply record your income and tell you what you owe. As specialist property accountants, we actively restructure your portfolio so you owe less in the first place.
Mortgage interst is no longer a fully deductible expense for individual landlords.
Capital Gains Tax allowances have plummeted making it harder to sell properties efficiently.
The Furnished Holiday Let tax advantages were abolished, meaning short term lets are now taxed under standard residential rules.
Making Tax Digital (MTD) becomes mandatory in April 2026 for landlords earning over £50,000.
Next Step
Expert tax planning personalised for landlords. Maximise savings, claim allowances and ensure HMRC compliance. Get a Free Consultation Now!
Our Landlord Tax Advisory Services
We provide bespoke, end to end tax solutions designed to maximise your rental yields.
Mitigating Section 24 (Mortgage Interest Relief)
what is section 24? Section is a tax rule preventing individual UK landlords from deducting mortgage interest from rental income before calculating tax. Instead, landlords receive a flat 20% tax credit.
If Section 24 has pushed you into a higher tax bracket, we can help. We review your portfolio to determine if restructuring your financing or changing your ownership structure is the most profitable path forward.
Property Limited Company Incorporation SPVs
Operating your property business through a Special Purpose Vehicle allows you to bypass Section 24 entirely. Limited companies can deduct 100% of their mortgage interest and pay Corporation Tax rather than higher rate personal Income Tax.
Is an SPV right for your portfolio? It is usually the most tax-efficient choice if you:
- Are currently a higher-rate taxpayer.
- Want to reinvest your rental profits to buy more properties.
- Want to pass your property wealth down to your family with lower Inheritance Tax liabilities.
We handle the complex transition, advising on Section 162 Incorporation Relief to avoid triggering immediate Capital Gains Tax or Stamp Duty charges.
Capital Gains Tax & Property Sales
When it is time to sell. Our goal is to keep as much profit in your pocket as possible. We will handle the strict 60 day HMRC reporting deadline for you, claim any tax reliefs you are entitled to like Private Residence Relief & carefully time your property sales to keep your Capital Gains Tax bill as low as possible against that 24% rate.
Inheritance Tax Planning
Without a clear succession plan, HMRC could take more then 40% of your property wealth when you pass away. We structure your portfolio to protect your assets across generations. By using Family Investment Companies (FICs), trust structures and strategic gifting. We ensure your hard earned wealth goes to your family not the taxman.
EPC Upgrade Tax Relief 2030 Deadline
By October 2030, all UK rental properties must achieve an EPC rating of C. With landlords facing upgrade costs of up to £10,000, retrofitting is a major expense. We review your upgrade costs to separate standard maintenance from capital improvements, make sure you claim the maximum allowable tax relief on your energy efficiency upgrades today.
HMRC Let Property Campaign Disclosures
An opportunity for landlords who owe tax on undeclared rental income to voluntarily disclose it to HMRC in exchange for reduced financial penalties.
Whether you inherited a property, let out a home informally or missed declaring income while living overseas, we manage the entire disclosure process to get you compliant quickly and quietly.
Making Tax Digital (MTD) Readiness
An HMRC rule starting 6 April 2026 requiring landlords with gross property and self employment income over £50,000 to maintain digital records and submit quarterly tax updates.
We future proof your portfolio by migrating your accounts to MTD compliant software like Xero or QuickBooks, ensuring you never miss a quarterly update.
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Confused Where To Start?
Schedule a Free 15-minute discovery call by providing your contact details, mentioning your requirements, and selecting a convenient date for the call.
How our discovery call works:
- Complete Our Contact Form
- Discovery Calls Scheduled
- Receive a Tailored Proposal
Tax Solutions For Every Type of Landlord
Property tax is not one size fits all. We tailor our advice based on exactly how you operate in the market:
INDIVIDUAL LANDLORDS
Need help with day to day bookkeeping and annual returns? We handle the paperwork so you can focus on your yield.
NON RESIDENT & EXpats
Living abroad? We navigate the strict NRL scheme and complex tax rules for international property owners.
SHORT TERM & AIRBNB
Managing holiday lets? Discover the specific tax rules for hosts following the latest HMRC regulatory changes.
PROPERTY COMPANIES
Scaling your portfolio? We set up and manage SPVs for long-term wealth extraction and portfolio growth.
FAQ Landlord Tax Rules
Can I transfer my rental properties into a limited company?
Yes. but it triggers a sale for tax purposes. You must pay STLD and Capital Gains Tax unless you qualify for specific reliefs. Such as Section 162 Incorporation Relief, which requires careful planning with a tax advisor.
Do I have to register for Making Tax Digital in 2026?
Yes. If your mix gross income from self employment and property exceeds £50,000, you must use MTD compatible software to submit quarterly updates to HMRC from 6 April 2026.
What expenses can landlords claim against tax?
Landlords can claim letting agent fees, property maintenance, insurance, council tax during void periods & accounting fees. You cannot claim for property improvements or full mortgage interest (unless operating through a limited company).
How do non resident landlords pay UK tax?
Overseas landlords must pay UK tax on UK rental income through the Non-Resident Landlord (NRL) scheme, often requiring their letting agent or tenant to deduct basic rate tax at the source before paying the rent.
Is a limited company right for my property portfolio?
It depends on your long term goals. A limited company is highly tax efficient if you are a higher rate taxpayer wanting to reinvest profits to grow your portfolio. However, if you rely on the rental income for daily living expenses, owning the properties personally may still be the better option.
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I have been IBISS & CO client for past 7 years. Their team is professional and proactive who assist me in filing my overseas and UK tax disclosure.
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I’ve used them for the past few years now and I am very satisfied with their services. The staff are very amicable as well. Definitely recommend them.
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