Accountants for Landlords & Property — Winchester

Accountants for landlords & property

From a single buy-to-let to a growing portfolio or a furnished holiday let, we keep your property tax straightforward. Rental income, allowable expenses, Section 24, holding property personally or through a company, and the move to Making Tax Digital — all handled, all in plain English.

Rent

Rental income and allowable expenses reported correctly on Self Assessment

S24

The Section 24 mortgage-interest restriction handled the right way

SPV

Personal ownership vs a limited company (SPV) weighed up for you

MTD

Ready for Making Tax Digital for Income Tax before it applies to you

What You Need to Know

What every landlord needs to get right

Property tax has changed a great deal in recent years, and the rules keep moving. Here are the areas we keep a close eye on for every landlord and property investor we look after.

Rental income & Self Assessment

Most landlords report rental profits through Self Assessment each year. We make sure your income and expenses are recorded correctly, your profit is worked out properly and your return is filed accurately and on time.

Annual

Allowable expenses vs capital

Repairs and running costs can usually be deducted from your rental income, while improvements are capital and treated differently. Getting the line right matters. We make sure you claim every allowable expense and treat capital costs correctly for later.

Tax Savings

Section 24 mortgage interest

Since the Section 24 rules, individual landlords can no longer deduct mortgage interest in full. Instead you get a basic-rate tax credit, which can push some landlords into higher-rate tax. We calculate this correctly and show you the real impact on your bottom line.

High Priority

Personal ownership vs an SPV

Holding property personally or through a limited company (an SPV) each has trade-offs across income tax, corporation tax, mortgage rates and getting money out. There is no one-size-fits-all answer. We model both so you can make an informed choice for your circumstances.

Structure

Making Tax Digital for Income Tax

Making Tax Digital for Income Tax (MTD for ITSA) will require many landlords to keep digital records and file quarterly updates. We help you get ready well ahead of time so the switch is a non-event rather than a scramble.

Get Ready

Capital Gains Tax & 60-day reporting

Selling a residential property can trigger Capital Gains Tax, and CGT on a UK residential disposal must generally be reported and paid within 60 days of completion. We help you plan disposals, use your reliefs and meet the deadline.

On Disposal

Furnished holiday lets

Furnished holiday lets have historically had their own tax treatment, and the rules in this area are changing. We help you understand where you stand now and plan ahead, rather than assuming last year’s rules still apply.

Special Rules

Portfolio bookkeeping

As a portfolio grows, spreadsheets stop coping. We set up simple, tidy records for each property so income, expenses and mortgage interest are always clear, and your tax return practically writes itself.

Simplicity

Buying & structuring property

How you buy and hold property affects Stamp Duty, ongoing tax and your eventual exit. We help you plan the tax side of a purchase — though please note we provide tax compliance and planning, not regulated mortgage or investment advice.

Planning
Packages for Landlords

Everything included, built for property

All packages are structured around how landlords actually operate — rental accounts, Self Assessment and, where it fits, a limited company (SPV). Software is included where it helps, or we can work from simple digital records.

Pricing depends on the size of your portfolio and whether you hold property personally or through a company. Everything is geared to keep you compliant and MTD-ready. View our standard packages →

Worth knowing

We set up simple, tidy records for each property so income, expenses and mortgage interest are clear — and you are ready for Making Tax Digital for Income Tax well ahead of time.

Lite
The Lite Package
from£120/month
Core Inclusions
  • Property bookkeeping set-up (Xero or simple digital records)
  • Self Assessment tax return incl. property pages
  • Annual rental accounts (up to 2 properties)
  • Email support
Landlord Add-ons
  • Allowable expenses vs capital review
  • Section 24 interest-restriction calculation
  • MTD for Income Tax readiness check
Get started
Complete
The Complete Package
from£250/month
Core Inclusions
  • Everything in Core
  • Limited company (SPV) accounts & corporation tax
  • Annual tax planning & strategy meeting
  • Unlimited phone support
Landlord Add-ons
  • Portfolio profitability & yield reporting
  • Capital Gains Tax planning & 60-day reporting support
  • Incorporation & structuring guidance
  • Rolling cash flow forecast across the portfolio
Get started
Why Lumi

Why choose Lumi as your property accountant

Section 24, SPVs, MTD, CGT — we keep property tax clear and make sure you claim everything you are entitled to.

Plain English, no jargon

Property tax has become genuinely complicated. We cut through it with clear, straight-talking advice, just numbers that make sense and actions you can take.

Property tax done properly

Section 24, capital versus revenue, CGT and the move to MTD are all easy to get wrong. We keep your compliance tight and your tax as low as legally possible. We provide tax compliance and planning, not regulated mortgage or investment advice.

Structure that fits you

Personal ownership or a limited company (SPV) is one of the biggest decisions a landlord makes. We model both honestly, without a sales pitch, so you can choose what genuinely suits you.

One point of contact

You deal directly with a qualified Chartered Accountant who knows your properties. We are responsive and accessible. When you call, we pick up, or we call you back the same day.

Get Started

Ready to get your property tax sorted?

Book a free 30-minute call. We’ll talk through your properties, your plans and how we can take the tax and admin off your plate.

Further Reading

Landlord & property guides

Plain-English reads on the issues that catch landlords out.

Self Assessment: declaring your rental income Accounts & Corporation Tax: holding property in a company Salary vs dividends: paying yourself from a property company
Accreditations & Memberships
ICAEW Chartered Accountants Xero Bronze Partner Hampshire Chamber of Commerce Member Saints Foundation — Proud Corporate Patron