YF Accounting Manchester based · UK-wide service · Landlords & property investors
Landlord accountant: fixed-fee tax returns for UK property owners
One buy-to-let or a growing portfolio, in your own name or through a company: we prepare your rental accounts and Self Assessment, handle Making Tax Digital quarterly updates, and tell you plainly when a structure change would save tax. Fixed fees, one point of contact, no hourly billing.
Yoni Finke FCCA
Your accountant, not a call centre
Landlord Self Assessment from £35/month
Or £500 for a one-off return. Every plan includes:
- ✓ One rental property included, then £50 a year per extra property
- ✓ MTD quarterly updates from £50 per filing
- ✓ Unlimited questions on CGT, mortgages, incorporation and expenses
Free 20-minute Zoom call. No obligation.
ACCA accredited · Xero & QuickBooks certifiedLandlord tax: key facts for 2026/27
- £50,000MTD thresholdLandlords with property (plus any self-employed) income over £50,000 joined in April 2026; over £30,000 join in April 2027 and over £20,000 in April 2028.
- 20%Mortgage interest creditFinance costs on residential lets are no longer deducted from rent; you get a 20% tax credit instead.
- 18% / 24%CGT on residential salesResidential gains are taxed at 18% and 24% with only a £3,000 annual exemption.
- 60 daysTo report and pay CGTUK residential sales must be reported and paid within 60 days.
What we do for landlords
Everything a landlord needs, on a fixed fee
- Rental accounts and Self AssessmentWe prepare your property income and expenses, complete the SA105 property pages and file your return, checking every allowable cost so you do not pay tax on money you have already spent on the property.
- Making Tax Digital for landlordsMTD for Income Tax is live: landlords with property (plus any self-employed) income over £50,000 joined in April 2026, over £30,000 join in April 2027 and over £20,000 in April 2028. We set up compatible software, submit the four quarterly updates and the final declaration.
- Mortgage interest and Section 24Finance costs on residential lets are no longer deducted from rent; you get a 20% tax credit instead. We work out the real effect on your bill and whether restructuring, or paying down the right mortgage, changes it.
- Capital Gains Tax when you sellResidential gains are taxed at 18% and 24% with only a £3,000 annual exemption, and UK residential sales must be reported and paid within 60 days. We calculate the gain, claim every relief and file the 60-day return.
- Property in a limited companyCompany landlords pay corporation tax at 19% to 25% and can deduct mortgage interest in full, but incorporating existing properties can trigger CGT and Stamp Duty. We run the numbers honestly before you decide, then handle the company accounts from £50 a month.
- Joint owners, holiday lets and non-residentsForm 17 elections for couples, the end of the furnished holiday lettings regime, rent-a-room relief and the Non-Resident Landlord Scheme: we deal with the edge cases that generic online services skip.
How it works
From first call to filed return
- 1Free callA 20-minute Zoom to understand your properties, mortgages and plans. You get a fixed quote on the call.
- 2We set you upHMRC agent authorisation, a simple way to send us rent statements and receipts, and MTD software if you need it.
- 3We prepare and checkAccounts for each property, every allowable expense claimed, and a plain-English summary of what you owe and why.
- 4Filed on time, every timeQuarterly updates, the annual return and 60-day CGT returns filed and confirmed, with reminders before every payment date.
Client stories
What our clients say
GoogleExcellent5.0★★★★★
I've been a client of YF Accounting for some time now, and I honestly couldn't be happier with the service I've received. From day one, Yoni has been professional, knowledgeable, responsive, and incredibly helpful in managing my accounting and tax affairs. What really sets Yoni apart is his attention to detail and willingness to go the extra mile. He has always taken the time to explain everything clearly and break everything down to make sure i understand clearly. Communication is always prompt, and no question is ever too small.
Gideon Tiano★★★★★ · via Google
“Yoni is fantastic to work with. Knows his stuff, is transparent, reassuring, and rapid as anything.”
Amos Schonfield★★★★★ · via Google
“Great accountant, have been using Yoni for over a year and am more then happy with the service he has provided.”
Finlay Harper★★★★★ · via Google
“Really helpful and professional advice. Always gets back to me with any queries I may have . I would definitely recommend”
Ruth Chester★★★★★ · via Google
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Questions
Landlord tax FAQs
Rental income and your return
Do I need to file a tax return for my rental income?+
If your gross rental income is over £1,000 a year (the property allowance), you normally need to report it. Income over £2,500 after expenses means a Self Assessment return. Register by 5 October after the end of the tax year in which you first received rent; the return and any tax are due by 31 January.
Can I still deduct my mortgage interest?+
Not as an expense. Since April 2020, individual landlords get a tax credit worth 20% of finance costs instead of a deduction, so higher-rate taxpayers pay more than the headline rate suggests. Limited companies can still deduct interest in full, which is one reason some landlords incorporate.
What expenses can a landlord claim?+
Letting agent and management fees, repairs and maintenance (not improvements), landlord insurance, ground rent and service charges, utilities and council tax you pay, accountancy fees, legal fees for renewing short leases, advertising, and replacement of domestic items. Travel to the property can qualify too. We check the list against your bank statements so nothing is missed.
Am I in Making Tax Digital?+
You joined from April 2026 if your combined property and self-employment income for 2024/25 was over £50,000. The £30,000 threshold applies from April 2027 and £20,000 from April 2028. MTD means quarterly updates (7 August, 7 November, 7 February, 7 May) plus a final declaration by 31 January. We charge from £50 per quarterly filing.
Selling, structure and fees
Should I put my properties into a limited company?+
Sometimes. A company pays corporation tax at 19% to 25% and deducts all mortgage interest, but transferring properties you already own can trigger Capital Gains Tax and Stamp Duty Land Tax (including the higher rate for additional dwellings), company mortgages cost more, and taking profits out is taxed again as dividends. It tends to suit landlords who are building a portfolio and reinvesting rather than living off the rent. We model both routes for you before you decide.
How is Capital Gains Tax charged when I sell a rental property?+
The gain (sale price less purchase price, buying and selling costs and capital improvements) is taxed at 18% within your basic-rate band and 24% above it, after the £3,000 annual exempt amount. If the property was ever your main home, private residence relief reduces the gain. UK residents must report and pay within 60 days of completion.
What does a landlord accountant cost?+
Our landlord Self Assessment plan starts at £35 a month with one property included, plus £50 a year for each additional property, or £500 for a one-off return. MTD quarterly updates are from £50 per filing. Company landlords pay from £50 a month for accounts and corporation tax. Every fee is fixed and agreed before we start.
Do you work with landlords outside Manchester?+
Yes. We are Manchester-based and work with landlords across the UK, and with UK property owners living abroad. Everything runs over Zoom, email and your online account, so where the property or you are located makes no difference.
Keep reading
Landlord guides
Stop guessing what your rental income costs you in tax. Book a free call and get a fixed quote.
Book a free landlord callOr call us on 0161 531 0959. Fixed fees, plain English, one point of contact.