Stay MTD-compliant. Cut your property tax. Lose the stress. Specialist accountants for UK landlords and buy-to-let investors — from £19.99/month. MTD Quarterly Submissions Section 24 Modelling Allowable Expense Reviews Self Assessment Joint Ownership & Form 17 Fixed Monthly Fees
Most landlords come to us because one or more of these has started keeping them up at night.
Quarterly digital submissions are now mandatory and you are not set up — the clock is ticking.
You have heard mortgage interest relief changed but have no idea what it is actually costing you.
Repairs, replacements, travel, agent fees — you suspect you are missing legitimate deductions.
Rental income and receipts scattered across spreadsheets, bank statements and shoeboxes.
You own with a partner and are not sure the income split is being taxed the right way.
A Self Assessment bill arrives each January with no warning — and no plan to reduce it.
Most accountants treat rental income as an afterthought on a Self Assessment return. We treat property as the specialism it is — Section 24, MTD, joint ownership and every allowable expense, handled properly.
As specialist accountants for landlords, we support everyone from first-time lessors to full portfolios. Our accountants for buy to let landlords handle the Section 24 interest restriction, incorporation modelling and MTD for Income Tax — the areas where accountants for buy-to-let landlords add the most value.
A dedicated accountant who understands property taxation, knows your portfolio and gives tailored advice — not a generic return filed once a year.
Section 24 modelling, repairs vs capital, replacement of domestic items relief and Capital Gains Tax planning — rules most accountants miss.
We register you, configure MTD-compliant software, then handle all four quarterly updates and the Final Declaration — see our MTD guide.
Letting fees, maintenance, insurance, travel and replacement items — we make sure nothing allowable is left unclaimed and nothing is overpaid.
Form 17 income-split declarations for couples and full incorporation modelling where it genuinely reduces your long-term tax.
One fixed monthly fee, no hourly billing and no surprise invoices — with same-day responses from a real accountant.
Penny is the AI assistant inside the AccTek Finance Lab. Message her like you'd text a colleague and she answers from your real, reconciled Xero numbers — in seconds, any time. She understands Section 24, MTD ITSA, capital gains planning, and the UK tax rules that affect property landlords, and she knows exactly where her job ends and your accountant's begins.
WhatsApp
Slack
AccTek Portal
ChatGPT
Real questions landlords ask — answered from your own live numbers.
Illustrative examples · Penny answers; your chartered accountant signs off.
“AccTek got me MTD-ready before the deadline and found expenses my old accountant never claimed. The quarterly submissions are completely off my plate now.”
Buy-to-let investor — 3 properties
“I became an accidental landlord and had no idea about Section 24. They explained exactly what it was costing me and sorted my Self Assessment without any drama.”
Accidental landlord — one rental property
“We own jointly and were taxing the income 50/50. AccTek set up a Form 17 declaration to shift it to the lower earner and our combined tax bill dropped noticeably.”
Joint owners — couple, 2 properties
From April 2026, landlords with rental and self-employment income above £50,000 must submit quarterly digital updates to HMRC. The £30,000 threshold follows in April 2027. If you have not registered, you need to act now — read our full MTD guide.
This service is designed specifically for landlords who do not see themselves as a “property business” but simply own a few rentals and want to stay compliant without the complexity:
Landlord tax is not simply “rent minus mortgage.” You are dealing with overlapping rules that interact in ways most general accountants miss:
AccTek understands these rules inside out. We ensure nothing is missed and nothing is overpaid.
Everything you need — nothing you don’t.
A dedicated accountant who understands property taxation, knows your portfolio and provides tailored advice — not a generic return filed once a year.
We register you correctly, set up MTD-compliant software, migrate existing records and connect to HMRC systems. No spreadsheets required.
Income reconciliation, expense categorisation, Section 24 mortgage interest calculations and HMRC submission. Four deadlines, zero panic.
Xero setup with automated bank feeds, expense tracking, monthly or quarterly bookkeeping, clear deadline reminders and predictable monthly pricing.
At year end we optimise allowable expenses, review ownership structure, confirm Section 24 impact and identify tax planning opportunities. MTD is compliance — strategy is where the savings are.
AccTek ensures every allowable deduction is captured and correctly categorised. Common landlord expenses include:
Repairs (restoring to original condition) are fully deductible. Capital improvements (upgrading or enhancing) are not deductible against income but reduce your Capital Gains Tax liability when you sell. AccTek classifies every item correctly — this single distinction can save thousands.
Yes, if rental income alone or combined with self-employment income exceeds £50,000 per year from April 2026, or £30,000 from April 2027. AccTek manages registration, quarterly submissions and the Final Declaration as part of your monthly fee.
Section 24 removed the ability to deduct mortgage interest as a business expense. Instead, you receive a 20% tax credit on finance costs. Higher-rate taxpayers now pay significantly more tax on rental income. AccTek models the full impact and advises on mitigation strategies including incorporation analysis.
Letting agent fees, property maintenance and repairs, buildings and contents insurance, ground rent, service charges, accountancy fees, advertising costs and replacement of domestic items. Mortgage interest receives a 20% tax credit under Section 24 rather than a full deduction.
Incorporation can benefit higher-rate taxpayers affected by Section 24 since mortgage interest is fully deductible within a company. However, stamp duty on transfer, capital gains tax, mortgage availability and ongoing compliance costs add complexity. AccTek models the long-term position before recommending a structure.
Yes. Each individual owner is assessed separately. Joint rental income is typically split 50/50 unless a Form 17 declaration with HMRC alters the split to match actual beneficial ownership — which can reduce total tax for couples.
MTD requires digital records of all rental income and allowable expenses per property. Xero automates this when connected to your bank, with categorisation reviewed by your accountant quarterly. Paper receipts are captured via the Dext app.
AccTek plans for landlords start from £19.99 per month fixed. This includes MTD quarterly submissions, Self Assessment, cloud accounting via Xero, expense tracking and a dedicated accountant who understands property taxation.
Repairs restore something to its original condition and are fully deductible against rental income. Capital improvements enhance or upgrade a property and are not deductible against income — but they reduce your Capital Gains Tax liability when you sell. AccTek classifies each item correctly.
Fixed fees • Full MTD compliance • Section 24 expertise • Dedicated accountant
Kishan Kedia ICAI, CAMS is a specialist accountant at AccTek with 20+ years of experience in locum doctor tax, NHS pension annual allowance, landlord tax, Section 24 planning and Making Tax Digital for Income Tax. He holds the ICAI qualification and is a Certified Anti-Money Laundering Specialist (CAMS).
AccTek is a member firm of the Institute of Certified Practising Accountants (ICPA). Our accountants have a wide range of qualifications and accreditations from trusted professional bodies such as the AAT, ICPA, and ACCA.
