Property investors
Accountants for property investors UK.
SPV structuring. CGT planning. Section 24 advice. MTD Income Tax readiness. Year-round portfolio accounting through Compliance Vault™.
Book a call →What does a property investment accountant do?
A property investment accountant handles the tax and compliance obligations that arise from owning, running, and disposing of property as an investment. This includes self-assessment for rental income, capital gains tax on disposals, SPV (limited company) annual accounts and CT600s, Section 24 mortgage interest modelling, and MTD Income Tax readiness from April 2026.
Who this applies to: UK investors with residential portfolios, commercial property, HMOs, SPV structures, or mixed portfolios.
Why it matters: Property tax involves decisions — on structure, timing, and disposal — that cannot easily be undone. The right advice at the right moment prevents five-figure tax bills.
Who we work with
- ✓Residential property investors with 2–15+ properties
- ✓SPV (limited company) property portfolios
- ✓Personal-name landlords affected by Section 24
- ✓HMO operators with multiple licensed properties
- ✓Investors planning disposals and CGT management
- ✓Buy-to-let investors approaching the MTD Income Tax threshold
- ✓Property investors setting up their first SPV structure
- ✓Mixed portfolios (residential + commercial, UK + overseas)
What we handle
Self-assessment — property pages
SA105 / SA110 rental income pages prepared and filed accurately.
SPV annual accounts + CT600
Statutory accounts and corporation tax returns for property limited companies.
Section 24 modelling
Mortgage interest restriction impact assessed and planned across your portfolio.
Capital Gains Tax planning
Disposal timing, PRR, lettings relief, and CGT computations modelled before you sell.
SPV vs personal-name analysis
Which structure works for your situation, properties, borrowing, and exit plan.
MTD Income Tax (from April 2026)
Quarterly digital submissions, records, and final declaration for landlords above £50k gross.
Portfolio Reporting Pack
Property-by-property P&L monthly. Know each property's yield before year-end.
Allowable expenses
Repairs vs improvements, finance costs, furnishing — claimed correctly first time.
Why property investors work with RR Accountants
Property-specialist depth
Section 24, SPV structuring, MTD for landlords, CGT across multiple disposals — handled with real expertise, not generalist guesswork.
Named accountant continuity
Iftikhar Rashid FCCA has 16 years in practice with a focus on property and landlord tax. You speak to the same person each time.
MTD already prepared
We are onboarding affected clients for April 2026 now. Your quarterly submission rhythm will be established before the deadline.
Published service standards
WhatsApp under 30 minutes typically. Email within one working day. In your engagement letter, reviewed annually at the ACR.
Frequently asked questions
Do property investors need a specialist accountant?
Most property investors with two or more assets benefit significantly from a specialist. UK property tax involves capital gains on disposals, Section 24 mortgage interest restrictions, SPV vs personal-name structuring decisions, and MTD Income Tax from April 2026. A generalist accountant rarely has the depth to advise on all four.
What is the difference between a landlord accountant and a property investment accountant?
A landlord accountant handles rental income tax, expenses, and self-assessment. A property investment accountant covers the full picture: portfolio structuring, SPV formation and ongoing accounts, CGT planning across multiple disposals, commercial property VAT, and development accounting. RR Accountants handles both.
Should I hold property investments in a limited company?
It depends on your portfolio size, borrowing structure, and exit strategy. Limited companies (SPVs) are not subject to Section 24 and pay corporation tax rather than income tax — which can be more efficient at scale. But transferring existing properties triggers SDLT and CGT. We model your specific situation before recommending any transfer.
How is capital gains tax calculated on a property disposal in the UK?
CGT on residential property is calculated on the gain (sale price minus acquisition cost, improvement costs, and allowable expenses). The current CGT rates and annual exempt amount should be verified on gov.uk before planning any disposal. Timing, principal private residence relief, and lettings relief all affect the final liability. [VERIFY: current CGT rates and annual exempt amount at gov.uk/capital-gains-tax]
What accounting do I need for an SPV property company?
An SPV requires annual statutory accounts, a CT600 corporation tax return, and Companies House filing. If the SPV is VAT-registered, quarterly MTD-compliant VAT returns are also required. Payroll applies if directors take salary. We handle all of this under a single monthly engagement.
What is Making Tax Digital for property investors?
MTD for Income Tax starts April 2026 for landlords and sole traders with gross income above £50,000. Property investors with rental income above this threshold must keep digital records and submit quarterly updates to HMRC. Properties held in a limited company are not affected — they follow corporation tax rules instead.
Related services
Ready to talk?
Book a 20-minute call. We will confirm whether we are a fit, and if we are, tell you exactly what the next step looks like.
Book a call →Iftikhar Rashid FCCA · 16 years in practice · Specialist in property and landlord tax