£2.4m+
Tax Saved for Clients
HMRC
Compliant
50+
Five-Star Reviews
Property
Tax EXPERTS
Fixed Fee
No hidden charges
£2.4m+
Tax Saved for Clients
Who We Are
UK’s specialist accountants for property tax planning
Property taxation in the UK is one of the most complex and frequently changing areas of the entire tax system. Whether you own a single buy-to-let property or manage a sizeable portfolio, the decisions you make today about ownership structure, timing of transactions, and use of available reliefs will have a profound impact on your long-term returns.
At UK Property Tax Accountants, our specialist team of Chartered Accountants and Chartered Tax Advisers delivers bespoke property tax planning advice that puts more money back where it belongs in your hands. Every recommendation is tailored to your specific circumstances, goals, and risk appetite.
Tax Advice & Planning
Personal ownership, limited company or trust we advise on the right structure
One of the most important decisions any property investor faces is whether to hold property personally or within a limited company. The correct structure depends on your marginal income tax rate, your mortgage arrangements, your long-term portfolio goals, and your succession intentions. A higher-rate taxpayer who reinvests rental profits will often benefit from the corporate route, while a basic-rate taxpayer may find personal ownership simpler.
We carry out a full analysis of all available structures personal ownership, limited company or Special Purpose Vehicle, Limited Liability Partnership, Family Investment Company, and trust arrangements providing clear, jargon-free advice so you can make the decision that best serves your interests. The most important principle is this: seek advice before you complete any transaction. Restructuring property after purchase can be very expensive.
Quarterly
Proactive Reviews
100%
Compliance Rate
Accounts & Compliance
Rental income optimisation and CGT planning
For landlords who hold property personally, we review your rental accounts to ensure all allowable expenses are claimed, your mortgage interest restriction position is correctly understood, and your income is split efficiently between spouses or civil partners where possible. When you come to sell a property, timing and structuring of the disposal can make a substantial difference to the Capital Gains Tax you pay. We advise on maximising Private Residence Relief, timing sales to use the basic rate band, and using losses to reduce overall chargeable gains. All CGT returns on UK residential property must be filed and the tax paid within 60 days of completion.
Annual CGT exempt amount of £3,000 fully utilised per taxpayer
Common Pain Points
The Tax Traps Property Investors Must Avoid
Without proactive planning, property investors face a series of costly tax traps. Understanding these risks in advance is the difference between a thriving portfolio and an unnecessary tax bill.
5% Additional Dwellings Surcharge
Since October 2024, buyers of additional residential properties pay a 5% SDLT surcharge on top of each applicable band. Without advance structuring advice, investors can inadvertently pay far more stamp duty than necessary on portfolio acquisitions.
60-Day CGT Reporting Deadline
Any disposal of UK residential property with a taxable gain must be reported and the tax paid to HMRC within 60 days of completion. Missing this deadline triggers automatic penalties and interest. Many investors are unaware this rule applies even on relatively modest gains.
Annual Tax on Enveloped Dwellings (ATED)
Companies holding UK residential property worth more than £500,000 face annual ATED charges and mandatory return filing. The relief for genuine property rental businesses must be actively claimed each year. Missing a claim means paying charges that could have been entirely avoided.
Inheritance Tax on Property Portfolios
Investment property generally does not qualify for Business Property Relief. A large property portfolio can face a 40% IHT charge on death. Without long-term IHT planning through gifts, FICs, or trust structures, families can lose a significant portion of accumulated wealth.
Gift with Reservation of Benefit
If you give away a property but continue to occupy or benefit from it without paying a market rent, HMRC treats the property as still forming part of your estate for IHT purposes. Getting the mechanics of gifting right requires specialist advice.
Free No-Obligation Review
Let’s discuss your property accounting needs
Book a 30-minute consultation with a specialist. We’ll review your current structure and identify immediate opportunities.
- HMRC-compliant tax strategies
- Specialist UK property tax expertise
- Proactive planning, not just compliance
- Fixed-fee, no hidden charges
Our Services
Our Property Tax Planning & Advisory Services
From initial ownership structure advice through to succession planning and CGT returns, we cover every aspect of property taxation for UK landlords and investors.
Ownership Structure Review
Full analysis of personal vs corporate vs LLP vs FIC ownership, with modelled tax comparisons and a clear recommendation tailored to your portfolio and long-term goals.
Rental Income Tax Planning
Annual review of rental accounts, expense optimisation, income splitting between spouses, Section 24 mitigation, and dividend extraction strategies for corporate landlords.
Capital Gains Tax Returns
60-day CGT return preparation and filing for residential property disposals. Full calculation of Private Residence Relief, annual exemptions, and other reliefs to minimise your liability.
ATED Returns and Planning
Annual Tax on Enveloped Dwellings returns for companies holding high-value residential property. Proactive claiming of all available reliefs to reduce your ATED exposure to the minimum.
Non-Resident Landlord Tax
Tax planning and compliance for non-UK resident landlords, including the Non-Resident Landlord Scheme, Non-Resident CGT returns, and double tax treaty advice for overseas resident investors.
Succession and IHT Planning
Long-term estate planning integrated with property tax strategy, covering gifting programmes, FIC structures, trust arrangements, and use of nil-rate bands to protect your wealth for the next generation.
How It Works
Get started in four simple steps
Changing accountants should be smooth and simple, not disruptive and difficult. Our skilled property accountants help you with every step of changing service providers so that your record-keeping and tax compliance remain intact.
Free Consultation
Tailored Proposal
Smooth Handover
Ongoing Support
Why UK Property Tax Accountants
Why UK Family Offices Trust and Stay With Us
That singular focus means deeper expertise in non-resident landlord taxation, faster answers on international treaty questions, and better outcomes for every overseas landlord we work with.
Dedicated Named Accountant
You will always work with a single, named Chartered Accountant who knows your companies, your portfolio and your goals intimately, not a call centre or a rotating team.
ACCA Registered Auditor
Registered as auditors in the United Kingdom by the Association of Chartered Certified Accountants, providing you with expert advice you can rely on and trust completely.
Transparent Fixed Fees
You will never receive an unexpected invoice. All fees are fixed, all-inclusive and agreed upfront, with no hourly rates and no extra charges for additional advice or HMRC queries.
Proactive Tax Reviews
We run quarterly tax reviews throughout the year, not just at year-end, so your corporate structure and tax position are constantly optimised as your portfolio evolves.
Cloud Accounting Technology
As Xero Platinum Partners and QuickBooks Pro Advisors, we provide real-time financial visibility across your portfolio, fully MTD-compliant and accessible anytime, anywhere.
Full Ecosystem of Services
Beyond accounting, we offer cashflow forecasting, legal referrals, commercial mortgage broker introductions and contractor insurance, providing a complete professional ecosystem for your property business.
Client Stories
What our clients say about us
★★★★★
“UK Property Tax Accountant Team saved me over £18,000 in CGT when I sold two properties last year. Their knowledge of available reliefs is extraordinary. I strongly recommend them. Unlike my previous accountant, they picked up the phone every time.”
★★★★★
“We restructured our entire portfolio into a limited company on their valuable advice. The tax savings pay for their fees many times over and every decision was explained clearly. Moving to them was the best decision we made for our property business.”
★★★★★
“As a property developer I deal with complex VAT, SDLT and CIS issues on every project. They handle everything seamlessly and their proactive advice has saved us significant six-figure sums. Switching from our old firm was completely painless.”
FAQS
Commonly Asked Questions about Tax Planning
Should I hold my next property personally or in a limited company?
The answer depends on your personal income tax rate, whether you have an existing mortgage, your plans for the rental income, and your long-term succession objectives. A higher-rate taxpayer who reinvests profits will often benefit from the corporate route, while a basic-rate taxpayer may find personal ownership simpler. We model both scenarios before you commit.
What is the 60-day Capital Gains Tax rule and does it apply to me?
If you dispose of a UK residential property and there is a taxable gain, you must report that gain and pay the Capital Gains Tax due to HMRC within 60 days of the completion date. This applies to both UK residents and non-UK residents. Missing the deadline triggers automatic penalties and interest charges.
Does UK Property Tax Accountants advise on both personal and corporate property portfolios?
Yes. We advise landlords and investors regardless of whether they hold property personally, through a limited company, an LLP, a Family Investment Company, or a combination of structures. Our advice covers every type of UK property ownership arrangement.
What is Annual Tax on Enveloped Dwellings and does it affect my company?
Annual Tax on Enveloped Dwellings is an annual charge payable by companies that own UK residential property worth more than £500,000. The charge ranges from £4,400 per year for properties valued between £500,000 and £1 million up to £287,500 per year for properties valued above £20 million. However, a full relief is available for genuine property rental businesses and must be actively claimed each year by filing an ATED return. We claim this relief for every eligible client as a matter of course.
How often should I review my property tax planning strategy?
We recommend a formal review at least once a year, timed before the end of each tax year in April. Additional reviews should be triggered by any significant change in your circumstances a new acquisition, a disposal, a change in your income level, a change in family circumstances, or any change in tax legislation. UK property tax law changes frequently and a strategy that was optimal three years ago may no longer be the most tax-efficient approach today.
Still have questions?
Our property specialist accountants are ready to answer any questions about your specific tax situation with no obligation for an initial conversation.
- +44 121 262 1528
- Mon–Fri, 9am–5:30pm
Ready to get started?
Reduce your property tax bill
Book a free call with our property specialist accountant. We will review your structure and identify immediate savings opportunities.
- ACCA Registered
- Fixed Transparent Fees
- Onboarded Within 1 Week