Property tax & portfolio structuring — done by people who invest themselves.

It depends on your income bracket, financing plans, exit horizon and family situation. For higher-rate taxpayers building a portfolio with debt, an SPV is often more tax-efficient after Section 24. For a single low-yield property held long-term, personal ownership can still win. We model both, in numbers, before you decide.

Sometimes — s162 incorporation relief can defer the CGT, and partnership SDLT relief can eliminate stamp duty, but both require the portfolio to be run as a genuine business. Evidence, structure and timing matter. We assess eligibility properly before recommending it.

For higher-rate landlords holding property personally, mortgage interest is no longer a deduction — you get a 20% credit instead. On leveraged portfolios that can quietly push you into paying tax on losses. We model the real number and design around it.

Yes. SA and FHL are core specialisms — including VAT thresholds, capital allowances on furnishings and the transition after the FHL regime ends. We keep clients ahead of the rule changes, not scrambling after them.

Yes — it's a core specialism. We prepare service charge accounts under ICAEW TECH 03/11, statutory accounts for Residents' Management Companies (RMCs) and Right to Manage (RTM) companies, corporation tax returns, and support agent audits where client money is held. We work with blocks from a single converted house up to multi-block portfolios.

If your lease requires it — and most modern leases do — leaseholders must be given an annual summary of service charge income and expenditure, usually prepared under ICAEW Tech Release 03/11 and independently examined or audited. We prepare and sign these off, keeping the RMC or managing agent compliant with the Landlord and Tenant Act 1985 and the lease itself.

ICAEW Tech Release 03/11 is the recognised standard for residential service charge accounts in England and Wales. Most modern leases either specifically require it or require an equivalent standard of reporting. Preparing service charge accounts under TECH 03/11 — with a proper accountant's report — is the safest way to satisfy the lease, Section 21 of the Landlord and Tenant Act 1985 and any future First-tier Tribunal challenge.

It depends on the lease. Some leases require a full audit, others only an accountant's report or independent examination. We read the lease first, then prepare the service charge accounts to the exact standard required — whether that's an audit, an independent examination or a certified TECH 03/11 report — and issue the accountant's certificate leaseholders expect to see.

Service charge monies held on trust under Section 42 of the Landlord and Tenant Act 1987 are not the RMC's or agent's income — they belong to leaseholders and are taxed under the trust rules on any interest earned, not as company profits. We make sure reserve funds and sinking funds are separately identified, correctly taxed and clearly disclosed, so nothing gets swept into the wrong return.

Yes. We support letting agents and block managers with client money accounting, reconciliations and the audit/accountant's report required under ARLA Propertymark, RICS or Safeagent client money protection schemes. We also handle the managing entity's own corporation tax, VAT and payroll.

Yes. Property management companies, developers and refurbishers using subcontractors typically fall inside the Construction Industry Scheme. We run monthly CIS returns, verify subcontractors and reconcile deductions alongside the company's payroll and VAT.

No. We work with property clients across the UK. Meetings happen via video call, WhatsApp and phone — with in-person available when it matters.