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Our property accountants work with landlords, investors, and developers looking for specialist tax advice – supporting everything from structuring a property portfolio to extracting profits and enabling growth.
Whether you own a residential buy-to-let or commercial premises, get started with a free consultation to learn more about how we can help.
There are a variety of property taxes in the UK, from one-off charges on a purchase or sale, such as Stamp Duty Land Tax or Capital Gains Tax, to regular liabilities like Personal Income or Corporation Tax on rental profits.
It can be difficult to keep up – especially when the rules change, as they often do in the UK property sector.
Without specialist knowledge, figuring out the best approach for your situation is challenging. This can easily lead to overpayments, missed opportunities to use an exemption or relief, and lower returns on your property investments.
We’re here to make sure that doesn’t happen to you.
Partnering with us means benefiting from our deep industry knowledge and personalised approach. We ensure your financial operations are streamlined, accurate, and compliant with all regulatory requirements. Our goal is to give you peace of mind, knowing that every aspect of your accounting, from payroll to tax planning and financial statements, is handled with the utmost precision and care.
Our Manchester property accountants can help with the following:
Being a landlord isn’t just about handing over the keys and collecting rent. Between chasing payments, handling maintenance issues, and dealing with tenants, it can feel like a full-time job (and for those with a large portfolio, it is!).
But your finances don’t have to add to the stress.
Whether you’ve got one property or multiple, our specialist accountants for landlords will help you stay on top of your accounts, maximise your profits, and keep the taxman happy. No jargon, no hassle. Just clear advice and expert support, whenever you need it.
From our offices in Manchester, we provide a full range of accounting services for landlords in the residential and commercial property sectors. Our family-owned accounting firm is here to lift the burden of financial management off your shoulders, allowing you to focus on managing and growing your property business.
Having worked with landlords for over 30 years, we’ve seen it all – the rise of the buy-to-let market, the changes in stamp duty and tax relief, the impact of capital gains tax, and more. So, rest assured, we truly understand the challenges faced by landlords – from managing multiple tenants to keeping compliant with regulations that seem to change every few years.
As a Xero Platinum Partner, we’ll set you up with Xero’s excellent cloud accounting platform for seamless financial reporting. This means we can easily manage your day-to-day bookkeeping, annual tax returns, and Making Tax Digital requirements, while you have up-to-date information on your finances.
As a firm of chartered accountants, our property tax advisors have worked with landlords and businesses across Manchester (and beyond) for nearly 30 years.
As an independent, family-owned firm, we build client relationships often lasting many years by offering a personal service that larger firms simply can’t match.
We're proud of our work and the kind feedback we receive from our clients. Check out our reviews and testimonials to see what makes us so well-placed to help you.
Whether you're just starting or you have an extensive portfolio of properties, we'll provide tailored, no-obligation advice as part of an initial consultation.
No, you do not need to set up and register a business to rent out property. However, depending on your finances and the size of your portfolio, it can be more tax-efficient to own your properties via a limited company. This really does depend on your situation, so it’s best to discuss ownership structures with an accountant (like us) to figure out the best option for you.
To determine profitability, most landlords tend to calculate gross rental yield. This is simply a percentage showing the profitability of a property (after expenses) relative to the value of the property.
So, say you received £20,000 in rental income last year. Expenses, including maintenance, tax, and insurance, came to £8,000. The property cost £200,000, meaning your rental yield is 6%:
(£20,000 – £8,000) / £200,000 = 6%
The benefit of using rental yield is that you can easily compare property performance within a portfolio, or against a local/national average (in our example, 6% is relatively good for the UK). We can help you determine profitability and identify ways to improve your yield.
As a landlord, you can deduct several expenses from your rental income to reduce your tax liability. These include: mortgage interest (exact amounts vary depending on whether you own the property personally or through a company), legal, accounting and letting agent fees, insurance, maintenance and repairs, advertising costs (for finding new tenants), ground rent, service charges, and bills (if you pay them).
You can’t deduct costs related to capital improvements, like adding an extension, or costs related to the purchase, like stamp duty. However, these can reduce your capital gains tax liability if and when you sell.
It’s not uncommon for people to rent a spare room to a lodger. This does, however, make you a landlord, so please be aware of your legal responsibilities. HMRC has a special initiative to cover such scenarios: the Rent-A-Room Scheme. Under the scheme, you can earn up to £7,500 tax-free each year by letting out a furnished room in your primary residence. As long as you’re under this threshold, you don’t need to report anything to HMRC. However, if you earn over £7,500, then you may be subject to tax, so please get in touch with our team to discuss further.
This has become one of the most common questions asked by property investors. Limited companies can claim mortgage interest payments as an expense to reduce their tax bill, but individuals cannot. Even so, this doesn’t mean limited companies are always the best choice. The right property ownership structure depends on your portfolio size, situation and plans. We can determine which structure offers the greatest savings for you.
The Annual Tax On Enveloped Dwellings (ATED) only applies to companies that own a property worth more than £500,000. Even then, it only applies to some types of properties (mainly anything that can be used as a residence). So if you don’t own property through a company, or it’s worth less than £500,000, then ATED likely doesn’t apply to you.
It depends on what you do with the property. If you’ve inherited a rental property, and you continue to let it out, then you must report the income on an annual self-assessment and pay tax on the profits. If you’ve inherited an empty property, and you decide to sell, you may be liable for capital gains tax if the property has increased in value since you inherited it.
VAT can apply to certain property transactions, such as commercial property sales, leases, or refurbishments. The rules are complicated so get in touch and we can help ensure you don’t fall foul of the rules while minimising costs.
As a property tax advisor, it’s our role to help you structure your portfolio in a tax-efficient manner, calculate and reduce your tax liability, extract profits (either in the form of dividends or regular income), and ensure full regulatory and reporting compliance (thus avoiding a stressful HMRC investigation). Plus, we can provide support with unlocking equity and growing your portfolio.
Started by first-time investor, Andrew, A&N Property Portfolio has steadily built a portfolio of residential investment properties.
However, the added complexity of a growing portfolio requires specialist tax advice – especially when it comes to annual reporting and compliance. We supported Andrew through his first tax return, provided peace of mind in his accounts, and delivered key insights into the company’s financial performance.
We offer a free consultation for all new clients – either over the phone or in person. To get started, fill in the contact form or call us on 0161 962 1855 to speak to our property tax specialists.
“I had to submit a tax return for the first time and did not know where to start. A&C helped me understand what was needed and were always at the end of the phone if I was unsure about something. Josh was extremely professional and informative throughout the whole process! A big thank you to the whole team for making my tax return less stressful.”
Andrew, A&N Property Portfolio
Call, email, or book your free consultation with an A&C property accountant in Manchester. Tell us as much as you can about your situation, so we can fully prepare for our meeting and understand your needs.
One of our team members will get in touch within 24 hours to discuss your needs. We focus on your priorities and deliver the support you need, precisely when you need it.
We remove the barriers that hold you back, so you can focus on your strengths. Discover how your finances can drive impactful results.
With just over a year to go before Making Tax Digital for Income Tax (MTD for IT) becomes mandatory, now is the time to check whether your business will need to comply from 6 April 2026.
ATED applies to companies and other ‘non-natural persons’ that own UK residential properties valued at over £500,000. The tax is based on the property’s value, unless an available relief is claimed.
Normally a residential rental property would be subject to a 28% capital gains tax (CGT) rate on its disposal. However, if it qualifies as a furnished holiday let (FHL) then the capital gains tax rate can be reduced to 10% by taking advantage of Business Asset Disposal Relief (BADR). It may be possible to make a non-FHL into an FHL for the two years prior to disposal and then enjoy BADR on the whole gain.
