Whether you own a single buy-to-let or a growing HMO portfolio, property tax has become more complex — and more costly to get wrong. We work with landlords across Brighton and the South East on everything from mortgage interest relief to MTD for ITSA readiness, so you keep more of your rental income and stay ahead of HMRC’s changing rules.
Since Section 24 restricted mortgage interest relief for individual landlords, many find themselves paying tax on income they never actually received. We review your current structure — personal ownership, joint ownership, or limited company — and model which approach is genuinely more tax-efficient for your situation, not just in theory but in practice.
Making Tax Digital for Income Tax Self Assessment is changing how landlords report rental income, with quarterly digital updates replacing the old annual return. We get your bookkeeping MTD-ready ahead of your mandation date, so the transition is smooth rather than a last-minute scramble.
As portfolios grow, so does complexity — HMO licensing costs, mixed-use structures, and the question of when incorporating into a limited company actually pays off. We help you structure ownership around your long-term plans, not just this year’s tax bill.
Whether you’re weighing up incorporating your portfolio, navigating a Section 24 bill for the first time, or simply want a second opinion on how your current accountant is structuring things, we start with a clear, honest review of your position before recommending anything.