Accountants for Landlords in Wirral

Why Landlords Choose APH

• Property tax specialists – We understand rental property taxation, mortgage interest restrictions, and landlord-specific tax rules.
• Maximise tax relief – We ensure you claim all allowable expenses and structure your property business tax efficiently.
• Capital gains expertise – We plan property sales to minimise capital gains tax and maximise reliefs.
• Portfolio planning – We advise on tax-efficient structures for growing property portfolios.
• Fixed fees – Transparent pricing based on property numbers. No surprise bills.

Our Landlord Accounting Services

• Rental Property Tax Returns – Self-assessment for rental income, property expenses, mortgage interest relief, tax calculations.
• Buy to Let Accounting – Rental income tracking, expense management, mortgage interest calculations, profit and loss statements.
• Capital Gains Tax – CGT calculations on sales, principal private residence relief, lettings relief, tax planning for disposals.
• Property Structure Advice – Personal ownership vs limited company, partnership structures, portfolio planning, incorporation relief.
• Furnished Holiday Lettings – FHL qualification, enhanced tax reliefs, capital allowances, business rates vs council tax.
• Multi-Property Management – Portfolio accounting, property-by-property analysis, cash flow management, expansion planning.

What Landlords Say

Anna Cook (8 Years with APH)
“Matt is incredibly patient, helpful and very professional. As I moved between countries and had businesses in other countries as well as the UK, they made sure all changes were compliant.”

Phil Paul McWilliam
“I have used APH for a number of years. Paul, Helen and Carla have looked after my accounts in an extremely professional and timely manner. Their advice has helped me on a business and personal level.”

Mike Waywell
“I can’t recommend APH highly enough. They’ve been brilliant supporting me across two different businesses, handling everything from regular tax submissions and bookkeeping right through to restructuring shares and selling one of the companies.”

Landlords We Support

• Single Property Landlords – One or two buy-to-let properties, first-time landlords, accidental landlords, side income from property.
• Portfolio Landlords – Multiple properties, growing portfolios, professional landlords, HMO operators.
• Limited Company Landlords – Property held in limited companies, incorporation planning, director’s tax, dividend planning.
• Furnished Holiday Lettings – Seaside properties, Airbnb hosts, short-term lets, FHL tax advantages.
• Commercial Property Landlords – Commercial property investors, mixed portfolios, business premises, industrial units.
• Overseas Landlords – UK property owned by non-residents, overseas income tax, double tax relief, compliance requirements.

Understanding Landlord Taxation

• Mortgage Interest Restriction – Since 2020, mortgage interest is no longer fully deductible. Instead, you get a 20% tax credit. This significantly impacts higher-rate taxpayers.
• Allowable Expenses – You can claim letting agent fees, insurance, repairs, maintenance, accountancy fees, legal fees, and ground rent.
• Capital vs Revenue – Repairs are deductible, improvements are not. We ensure correct treatment of property expenses.
• Capital Gains on Sales – Selling a property triggers CGT. Annual exemption, principal private residence relief, and lettings relief can reduce the bill.
• Limited Company Advantages – Companies still get full mortgage interest relief and pay corporation tax at 19-25% instead of income tax up to 45%.

Common Landlord Tax Challenges

• Mortgage interest restriction – Higher-rate taxpayers are hit hardest. We model different structures to minimise tax.
• Capital vs revenue confusion – Replacing a kitchen is capital, repairing it is revenue. We ensure correct treatment.
• CGT on property sales – Selling triggers substantial CGT bills. We plan disposals tax efficiently using available reliefs.
• Should I incorporate? – Transferring properties to a limited company can save tax but triggers costs. We analyse your specific situation.
• Record keeping chaos – Multiple properties mean multiple income streams and expenses. We implement systems making this manageable.

Frequently Asked Questions