Specialist Accountants for Landlords

Property Accounting That Works as Hard as Your Portfolio

Rental income, allowable expenses, Section 24, capital gains and Making Tax Digital — all handled by qualified accountants who understand property.

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✓From £175/month✓MTD ready✓Section 24 expertise
We Understand Your Challenges

Property Income Has More Tax Complexity Than Most Landlords Realise.

Section 24 mortgage interest restriction

Since April 2020, residential landlords can no longer deduct mortgage interest as an expense. Instead, you receive a 20% tax credit. For higher-rate taxpayers, this change significantly increases the effective tax rate on rental profits. We ensure your position is structured correctly.

Making Tax Digital for landlords

From April 2026, landlords with property income over £50,000 must use MTD-compliant software and submit quarterly updates to HMRC. We already operate on MTD-ready systems and will have you fully prepared well before the deadline.

Capital gains tax when you sell

Selling a rental property triggers capital gains tax on the gain. The rate is 18% for basic rate taxpayers and 24% for higher rate taxpayers. With careful planning — principal private residence relief, annual exempt amounts, timing of disposals — the liability can often be reduced significantly.

Landlord Accounting, Covered End to End

Whether you have one property or a growing portfolio, your fixed monthly fee covers everything below.

Rental income bookkeeping

Monthly reconciliation of all rental income and allowable expenses across every property, clearly categorised and always up to date.

Self Assessment tax return

Annual personal tax return covering all rental income, expenses, mortgage interest credits, and any other income sources.

Section 24 planning

We calculate your mortgage interest restriction accurately, advise on restructuring where beneficial, and ensure your Self Assessment reflects your correct position.

Making Tax Digital (MTD) compliance

Quarterly digital submissions to HMRC via MTD-compliant software. We set up your system and handle all submissions from day one.

Capital gains tax

When you sell a property, we calculate your CGT liability, identify all available reliefs, and advise on timing to minimise the charge.

SPV and limited company structuring

For landlords building a portfolio, we assess whether holding properties in a Special Purpose Vehicle offers a tax advantage and guide you through the setup.

Allowable expense review

We review every expense category — repairs, management fees, insurance, professional fees — to ensure you claim everything HMRC allows.

HMRC correspondence

All enquiries, notices and compliance checks from HMRC handled on your behalf.

Dedicated accountant

A named qualified accountant who knows your portfolio, available via Slack during UK business hours.

Why Landlords Choose Cledger

01

We understand property tax in depth

Section 24, capital gains relief, SPV structuring, furnished holiday lettings rules — property tax is its own specialism. We work with residential and commercial landlords across the UK and understand the rules that apply to your specific situation.

02

MTD ready before the deadline

Making Tax Digital for Income Tax is coming for landlords. If your property income exceeds £50,000, you need to be on a compliant system by April 2026. We already operate entirely on MTD-ready software and will have you set up with time to spare.

03

Fixed fees that scale with your portfolio

We charge a fixed monthly fee based on your portfolio size and services required — not by the hour. You know exactly what you pay each month, and as your portfolio grows, your pricing adjusts transparently with no surprises.

Pricing

Fixed-Fee Landlord Accounting

Landlord accounting starts from £175 per month for a single property with rental income under £100,000. Pricing scales with portfolio size, turnover and the services you require. Use our calculator for an instant estimate.

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Frequently Asked Questions

Get Your Property Finances in Order

Book a free 30-minute consultation. We will review your portfolio, explain your obligations and give you a fixed-fee quote with no commitment required.

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