Landlords

Being a landlord has quietly become one of the most tax-intricate ways to hold wealth: mortgage interest restricted to a basic-rate credit, furnished holiday lets' regime abolished, capital gains on residential property reportable within 60 days, Making Tax Digital arriving for property income, and an incorporation debate full of promoters selling structures that suit the promoter. The rules changed faster than most landlords' advice did.

Acumon acts for landlords across the spectrum — single buy-to-lets, portfolios, HMOs, holiday lets, non-resident owners — computing the income properly, planning disposals before they happen, and giving the structural questions honest numerical answers.

Rental Income, Computed Properly

Property pages reward knowledge: the repair-versus-improvement boundary argued correctly, replacement of domestic items relief, finance cost restriction mechanics — including the credit's traps for higher-rate landlords near thresholds — the £1,000 allowance where it helps, joint ownership splits and Form 17 elections done right, and losses carried properly. We prepare returns for individuals, companies and non-resident landlords, and clean up prior years where things were missed in either direction.

Selling: the 60-Day Clock and Planning Before It

Residential disposals at a gain must be reported and paid within 60 days of completion — separate from self assessment, widely missed, penalised automatically. We handle the returns, but the real value is earlier: timing disposals against tax years and losses, main-residence and lettings relief history reconstructed properly, spouse transfers before sale where they genuinely help, and the CGT arithmetic done before you accept an offer, not after.

Company or Personal: Arithmetic, Not Fashion

Incorporation restores full interest deductibility and lower rates on retained profits — and costs SDLT and CGT on the way in (with incorporation relief available only on genuine facts), double taxation on the way out, and higher admin forever. The answer depends on your leverage, rate band, reinvestment intentions and exit horizon; for some portfolios it is compelling, for many it is a mistake sold as a scheme. We run your actual numbers both ways, including the transition costs promoters skip.

MTD, Non-Residents and the Estate Angle

Making Tax Digital reaches landlords above £50,000 of property income from April 2026 (£30,000 from 2027) — quarterly digital submissions replacing the annual return, and shoebox record-keeping stops being viable. We set up compliant, painless records now. Non-resident landlords get the NRL scheme and their UK filings handled; and because property estates end up in inheritance planning eventually, the IHT and succession conversation is available in the same firm before it becomes urgent.

What You Get With Acumon

• Property income computed with reliefs and boundaries argued correctly
• Section 24 finance-cost restriction managed, not just suffered
• 60-day CGT returns filed on time, disposals planned before completion
• Incorporation analysis with real numbers, including entry and exit costs
• HMOs, holiday lets and mixed portfolios handled through the rule changes
• Form 17 and joint-ownership planning for couples
• Non-resident landlord scheme and UK filings for overseas owners
• MTD-ready digital records ahead of the 2026 mandation

Why Acumon for Landlords?

• Many of the firm's qualified tax advisors previously worked for HMRC
• 60-day property returns, self assessment and non-resident CGT reporting handled as core practice
• Property VAT and SDLT specialists in the same firm for complex transactions
• All 90 of the firm's professionals are based in the UK

Get a Fixed-Fee Quote

Tell us what you need and we'll come back within one business day with a clear scope and a fixed price — no hourly-rate surprises. Call 020 8567 3451 or use the form and we'll be in touch.