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Accounting for Property Investors & Landlords

Specialist financial services for buy-to-let landlords, property portfolios, and letting agents - from tax planning to client account compliance
 



Our Partners

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Why work with Accounted?

We’re not just your accountants, we operate like part of your team.

  • Your own dedicated accountant

  • Monthly check-ins

  • Unlimited questions

  • Proactive support, not reactive

  • Total clarity on your numbers

  • Free consultation included

 

Property Tax Doesn't Have to Be Complicated

Section 24 mortgage relief restrictions. Limited company vs personal ownership. Capital gains on sales. Client money regulations. Property investment brings serious tax questions - and the answers depend entirely on your specific situation. We help landlords and letting agents navigate the complexity with clear advice tailored to your portfolio.

Your Property Investment Journey

Every property investor follows a path, but the financial and tax complexities grow at each stage. Here’s how we help you navigate every step.

  • FIRST PROPERTY

    Single residential property investment with house keys
    Learning the Basics

    Your first property investment comes with questions: How is rental income taxed? Which expenses can you claim? How do mortgage interest restrictions affect your profits?
    We guide you through tax rules, identify deductible expenses, and structure your finances so your first property is profitable and compliant.

  • BUILDING PORTFOLIO

    Multiple rental properties in UK property portfolio
    The Structure Question

    Owning three, five, ten properties raises bigger questions: Should you keep them in your personal name or set up a limited company? How much is Section 24 affecting your returns?
    We advise on the best ownership structure, model the tax impact, and make sure you’re taking advantage of allowances and reliefs to protect your portfolio’s profitability.

  • PROPERTY BUSINESS

    Professional property management business office with commercial buildings
    Professional Scale

    At this stage, you’re managing service charges, planning disposals to reduce capital gains tax, handling client money compliance, or expanding into development. Your portfolio is now a full-scale business.
    We provide strategic tax planning, ensure regulatory compliance, optimise profits, and support you with the financial management needed to run your property business confidently.

Real Results from Property Investors

"Accounted Ltd handled our client account reconciliations and tax returns - seamless from start to finish."

Letting Agent, London

£10,000+ Annual Tax Savings

A property investor was facing higher tax costs as their portfolio grew. After reviewing their setup, we helped them transition to a more tax-efficient structure. This delivered substantial savings and positioned them better for expansion.
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Financial Management for Property Investors, Landlords & Developers

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Portfolio Bookkeeping

Complete bookkeeping and tax support across residential, commercial, and mixed property portfolios

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CGT Planning

Strategic capital gains tax planning and disposal advice to minimise tax on property sales

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VAT Guidance

VAT registration, opting-to-tax advice, and compliance for commercial properties

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Client Account Management

Professional client account reconciliation and management for letting agents and landlords

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CMP Compliance

Full compliance with Client Money Protection standards and deposit regulations

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Service Charge Reconciliations

Clear, audit-ready service charge statements and reconciliations for property management

What our customers are saying

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Been with accounted for 4 years now and couldn't ask for better accountants. They are so professional, friendly and provide all services in a timely manner. Thank you for always going above and beyond!

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Busola B.

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Owning a business I have struggled with doing my own accounts. Accounted LTD have literally taken the burden off my shoulders and I will continue to use their services.

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Imi Adedapo

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My consultation with them was very insightful and clear - would 100% recommend to any SME, they are very professional!

 

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Grace Kamara

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Accounted has helped me so much and has made my accounting back-end management much easier! Would 100% recommend to any SME that needs support.

 
 

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Barbara A.

Frequently Asked Questions

What are you looking for?
  • Yes - we handle full reconciliations, service charge statements, and ensure compliance with Client Money Protection (CMP) regulations.
  • We analyse your individual tax position and financing options to recommend the most tax-efficient ownership structure for your circumstances.
  • Yes - we manage both property types, including VAT treatment and capital allowances claims where applicable.
  • Absolutely - we advise landlords on strategies to mitigate the impact, including restructuring options and available tax reliefs.
  • Yes - we prepare transparent, audit-ready reconciliations that meet regulatory requirements for property management companies.
  • Full mortgage interest relief is available for company-owned properties, whilst individual landlords receive a tax credit at the basic rate (20%).
  • Yes - we handle all property tax compliance for individuals, partnerships, and limited companies.
  • Yes - VAT registration is often beneficial for commercial property owners and can improve cash flow through input tax recovery.
  • Yes - we ensure client deposits are properly recorded, segregated, and fully compliant with Client Money Protection requirements.
  • Yes - we track construction costs, development finance drawdowns, and calculate profit margins throughout the project lifecycle.

Related Services

Bookkeeping Services

Keep your finances organised with accurate, real-time bookkeeping. We record every transaction, reconcile your accounts weekly, and keep you HMRC-compliant so you can focus on running your business.

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Annual Accounts

File your year-end accounts accurately and on time. We prepare statutory reports, submit filings to HMRC and Companies House, and explain your results clearly - no jargon, no stress.

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Management Accounts

Gain financial clarity with monthly or quarterly management accounts. Track performance, forecast cash flow, and make data-driven decisions with tailored insights and KPI reporting.

Read more

Stop leaving money on the table

Every year, property investors overpay thousands in tax because they didn't get the right advice at the right time. Whether you're buying your second property or managing a twenty-unit portfolio, we'll help you structure it right and keep more of what you earn. Book your free consultation today.

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