London landlord accountants
Landlord accountant London.
Section 24 planning. MTD Income Tax. SPV structuring. CGT on London property. Led by Iftikhar Rashid FCCA — 16 years in property and landlord tax.
Book a call →Landlord accountant London — what we do
RR Accountants provides specialist landlord accountancy for London property investors. London portfolios carry higher property values, larger mortgage debt, and bigger CGT exposure than most UK markets — making Section 24 planning, SPV structuring, and disposal timing proportionally more valuable. We handle self-assessment, MTD Income Tax quarterly submissions from April 2026, SPV annual accounts and CT600, CGT 60-day reporting, and year-round portfolio reporting through Compliance Vault™.
Who this is for: London buy-to-let investors, HMO operators, SPV landlords, and property investors with multi-borough portfolios.
Why London landlord tax is different
Section 24 costs more in London
London mortgages are typically larger — £500k–£2m+ on a single property. Section 24 restricts the interest relief to 20%. On a £1m mortgage at 5%, the difference between the old and new rules is £10,000+ extra tax per year for a higher-rate landlord.
CGT on disposal is a 6-figure calculation
A London property bought in 2005 for £300k and sold in 2026 for £900k has a £600k gain before reliefs. CGT at current rates on that gain is significant — and must be reported within 60 days of completion. [VERIFY current CGT rates at gov.uk]
SDLT is a major consideration for SPV transfers
Transferring a £800k London property into an SPV triggers SDLT at full market value. At current rates including the 3% surcharge, that can be £35,000–£50,000 in cash before any CGT. We model this before recommending any transfer. [VERIFY current SDLT rates at gov.uk]
MTD Income Tax — London landlords above £50k
London landlords above £50,000 gross rental income must comply with MTD from April 2026. Quarterly digital submissions, HMRC registration, software setup. We manage all of this for every London landlord client in scope. [VERIFY threshold at gov.uk]
What we handle for London landlords
Self-assessment — SA105 property pages →
Annual return with all London property income, allowable expenses, and Section 24 calculation filed correctly.
MTD Income Tax (from April 2026) →
Software setup, HMRC registration, quarterly digital submissions for London landlords above the threshold.
Section 24 modelling →
Your specific London portfolio Section 24 position quantified — and options modelled before you decide anything.
SPV annual accounts + CT600 →
London limited company property portfolios — statutory accounts, CT600, Companies House filing.
CGT 60-day reporting →
Capital gains computation and HMRC report within 60 days of London property completion.
Portfolio Reporting Pack →
Property-by-property P&L monthly for London portfolios — delivered by the 7th of each month.
London landlord accountant fees
No London premium. Same national fee schedule.
Residential landlord
From £200/month
SA, SA105, MTD readiness, portfolio reporting, year-round advisory
SPV landlord
From £300/month
Everything above + SPV annual accounts, CT600, director self-assessment
Self-assessment only
From £300 (one-off)
Annual return, property pages. No ongoing engagement.
London landlord accountant — FAQs
Why do London landlords need a specialist accountant?
London property values are high, mortgage debt is typically larger, and portfolios often span multiple boroughs with mixed residential and commercial elements. Section 24 costs London higher-rate landlords disproportionately more than in lower-value markets. CGT on London disposals is typically a six-figure calculation. MTD Income Tax from April 2026 applies to all landlords above £50,000 gross regardless of location. The stakes are higher — specialist depth matters more.
How much does a landlord accountant cost in London?
Our London landlord fees start from £200 per month. We do not charge a London premium — same national fee schedule as Birmingham, Manchester, and Bradford. This includes self-assessment with SA105 property pages, MTD readiness, Section 24 modelling, and monthly portfolio reporting. SPV accounting adds £100–£200 per month. Exact fee agreed in writing after your discovery call.
Do you handle Section 24 for London landlords?
Yes. London landlords tend to have larger mortgages relative to rental income — which makes Section 24 proportionally more expensive than in lower-value markets. We model your exact Section 24 position and advise on options: portfolio restructuring, pension contributions, SPV for new acquisitions. We do not recommend SPV transfers without running the SDLT and CGT numbers for your specific London properties first.
Can you handle CGT on London property disposals?
Yes. London properties typically carry large unrealised gains — making CGT on disposal a significant calculation. We handle the 60-day CGT report (required within 60 days of completion), model PPR relief where applicable, advise on disposal timing, and ensure all allowable costs are correctly included. We recommend engaging before exchange of contracts, not after completion.
Do you work with London buy-to-let investors with SPVs?
Yes. London-based SPV landlords are a significant part of our London practice. We handle the SPV annual accounts, CT600, director self-assessment, and salary/dividend planning alongside any personally-held properties in the same engagement. London SPV clients often have complex cross-borough portfolios — we track property-by-property through Compliance Vault™.
Can I meet in person in London?
Yes. Our London office takes in-person meetings by appointment. Most engagement runs online through Compliance Vault™ — so most London clients never need to travel. Annual Compliance Reviews and major structural decisions (SPV transfers, exit planning) are typically done in person if the client prefers.
Related guides
London landlord specialist
Book a call about your London portfolio.
20 minutes. We confirm fit, model your Section 24 position, and tell you exactly what we'd do for your portfolio.
Book a call →Iftikhar Rashid FCCA · London · 16 years · Specialist in property and landlord tax