Accountant for Landlords & Property Investors | MTD, Section 24 & Tax Planning | Finsight
Being a landlord has never been more complicated. Between Section 24 mortgage interest restrictions, the incoming Making Tax Digital for Income Tax mandate, capital gains tax changes, and the ongoing question of whether to hold property personally or through a limited company — the tax landscape for property investors has shifted dramatically in recent years.
Most landlords we speak to are doing one of three things: paying more tax than they need to because nobody has reviewed their structure, worrying about MTD deadlines they don't fully understand, or making portfolio decisions without proper financial modelling behind them.
Finsight specialises in property tax and landlord accounting. We help you stay compliant, plan proactively, and keep more of what your portfolio earns.
The Landlord Tax Issues We Deal With Every Week
Section 24 Mortgage Interest Relief
Since the Section 24 changes were fully phased in, landlords can no longer deduct mortgage interest as a business expense. Instead you receive a 20% tax credit — which means higher-rate taxpayers are effectively paying tax on income they haven't received. We help you understand your true tax position, model the impact on your portfolio, and assess whether restructuring makes financial sense.
Ltd Company vs Personal Ownership
The question of whether to hold property in a limited company or personally is one of the most consequential decisions a landlord can make — and the right answer depends entirely on your individual circumstances, tax position, mortgage situation, and long-term intentions. We model both scenarios with real numbers before you make any decisions.
Capital Gains Tax on Disposal
Selling a property triggers CGT, and with rates and allowances having changed significantly in recent years, the tax on disposal can be substantial. We help you plan disposals in advance — timing sales to make use of annual allowances, reviewing principal private residence relief where applicable, and ensuring you're not paying more than you're legally required to.
HMO & Multi-Let Portfolios
Houses in multiple occupation have specific financial complexity — higher running costs, licensing requirements, and a different income and expense structure to standard buy-to-let. We prepare accounts that properly reflect HMO finances and ensure all allowable expenses are captured.
Rental Accounts & Tax Returns We prepare annual rental accounts and Self-Assessment tax returns covering all property income — residential, HMO, and previously holiday let — with all allowable expenses properly claimed and documented. Fixed fee, filed on time, no surprises.
MTD Setup & Quarterly Compliance We set you up on MTD-compatible software, migrate your records into a digital format, and handle all quarterly submissions and year-end finalisation. Whether you're a single property landlord or managing a large portfolio, we make MTD invisible to your day-to-day life.
Section 24 Impact Modelling We calculate your true tax liability under Section 24, model the impact of different portfolio structures, and give you a clear picture of what you're actually paying and why. For many landlords this is the first time they've seen the numbers properly laid out.
Capital Gains Tax Planning We review your portfolio with disposal in mind — modelling the CGT position on individual properties, advising on timing, and ensuring that when you do sell, the tax outcome is as efficient as it legally can be.
What Finsight Does for Property Owners
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We handle all compliance for landlords alongside the strategic work — Self Assessment, MTD quarterly submissions, VAT where applicable, and bookkeeping on Xero, QuickBooks or FreeAgent. One firm, full picture, nothing falling between the gaps.
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Finsight landlord clients range from single property buy-to-let owners approaching the MTD threshold to portfolio landlords managing ten or more properties across residential and HMO. What they have in common is that they want proactive advice — not a once-a-year conversation when it's too late to change anything.
We work with landlords across the UK, with a strong base in Brighton and the South East.
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If your total income from property and other sources exceeds £50,000, you need to be MTD-compliant from April 2026. That means starting your setup now — not in March 2026. We recommend getting in touch at least three to four months before your mandation date to ensure everything is in place without a last-minute scramble.
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For straightforward single property situations, a good accountant pays for itself in correctly claimed expenses alone — letting agent fees, repairs and maintenance, mortgage interest tax credit, insurance, and allowable professional costs. Add proactive tax planning and the saving typically exceeds the fee. And with MTD coming, having professional support in place before the deadline makes the transition significantly less stressful.
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This depends entirely on your personal tax position, your mortgage situation, your long-term intentions, and the specific properties involved. There is no universal right answer — and anyone who tells you otherwise without looking at your numbers is guessing. We model both scenarios before advising you either way.
Frequently Asked Questions
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