Landlord Accountants
Your rental income, your tax bill — properly handled.
Most landlords underestimate their tax exposure until self-assessment is already overdue. Whether you hold one buy-to-let or a growing portfolio, the Section 24 restriction, allowable expenses and CGT planning need an accountant who already knows how rental income works. Fixed fee, FCMA-qualified, same-day replies.
- Your self-assessment filed on time, with all allowable expenses claimed
- Section 24 mortgage interest restriction understood and planned around
- Capital gains tax exposure known before you decide to sell
- Rental income reported correctly — no surprise HMRC correspondence
No long-term contract. If it is not working after three months, you leave with clean records and nothing owed.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Money saved more than covers the fees
"His fees are very reasonable and the money he has saved me more than covers them."
★★★★★
Goes above and beyond, always available
"Niall and his team go above and beyond the duties to provide accounting services but also general advices. They are always available if you need anything while charging very competitive prices."
★★★★★
Always on the end of the phone
"They're always on the end of the phone to advise and assist and provide a top service for our accounting needs."
★★★★★
Confident and well-informed at every stage
"We always feel well-informed and confident about our financial processes and data. Highly recommend."
Sound familiar?
Rental income is simple — until it really is not.
A single buy-to-let looks straightforward. Then Section 24 removes mortgage interest as a direct deduction, your repairs versus improvements distinction gets challenged, and CGT on a potential disposal turns out to be considerably more complex than you expected. Most landlords reach an accountant when something has already gone wrong. That tends to cost more to fix than it would have to avoid.
- Self-assessment filed late, or allowable expenses missed because the rules changed
- No clear view of your CGT position until a sale is already in progress
- Unsure whether a limited company structure would actually save you tax
What handled looks like
Your rental accounts are kept current on cloud software throughout the year. Your self-assessment is prepared with every allowable expense identified and your Section 24 position properly calculated. Your tax bill is known well before HMRC sends the reminder.
- Self-assessment prepared in full, filed on time, with all expenses correctly applied
- CGT liability modelled before you commit to a sale or transfer
- Company versus personal ownership analysed with numbers, not guesswork
- Fixed fee agreed upfront — no invoices arriving after the year-end work is done
What landlord clients say about OD
Personal tax clients with multi-year tenure are well-represented in OD's verified Google reviews — many citing specific tax savings and hands-on availability as the reason they stayed.
My other-half introduced me to Niall at OD Accountants and I have to say my finances are so much the better for it. Unlike my previous Accountants, Niall is far more hands-on, available for advice and able to care for me as an individual, rather than a faceless client. His fees are very reasonable and the money he has saved me more than covers them. If you need an Accountant who cares, Niall and OD Chartered Management Accountants are the way to go.
I've been there for years and Niall and his team go above and beyond the duties to provide accounting services but also general advices. They are always available if you need anything while charging very competitive prices. I could not recommend them enough.
Everything a landlord's accounts need
From day-to-day rental records through to self-assessment, CGT planning and incorporation advice — all on a fixed fee, delivered via cloud accounting software.
Self-Assessment and Rental Income
Your rental income, allowable expenses and finance cost restriction are calculated correctly each year. The return is prepared, reviewed and filed before the January deadline — with your final tax figure confirmed well in advance so there are no surprises. Letting agent fees, repairs, insurance, ground rent and management costs are all reviewed and claimed where eligible.
Included as standardCGT Planning and Portfolio Advice
Capital gains tax on a residential disposal is calculated at the current rates, with principal private residence relief, letting relief and annual exempt amount all considered where relevant. If you are thinking about selling, transferring to a spouse or restructuring your portfolio, the tax position is modelled before you commit — not after. That tends to produce meaningfully different decisions.
On request or ongoingIncorporation and Company Structure
The question of whether a limited company is worth it depends on your income level, mortgage situation, long-term plans and the stamp duty cost of transferring existing properties. That calculation is done properly, with real numbers, not a rule of thumb. If a company makes sense, the setup and ongoing accounts are handled from the same fixed-fee engagement.
Strategic advisoryConsistent across more than a decade of reviews
Verified Google reviews from clients across personal tax, start-ups, hospitality and consultancy — many with multi-year tenure and specific tax savings cited.
Tricky Client, Handled Without Fuss
“Been with OD Accountants for over a year now. Niall and the team are brilliant. They helped me set up a company and get everything I needed in place to run my business. I'm a tricky client due to my 'digital nomad' status, but their advice…”
Always Available, All Issues Resolved
“As a new start up and having never dealt with an accountant, Niall at OD Accountants has been very welcoming and supportive. All our prior queries and issues have been resolved, and he is always available to meet the needs of our team.”
Supportive, Clear, Always On the Phone
“Niall and his team are supportive, clear and directional accountants who have supported our small business staff up. They're always on the end of the phone to advise and assist and provide a top service for our accounting needs. Plus they're just nice people which helps too!!”
What makes the difference for landlords
There are plenty of accountants who will file your self-assessment. Fewer will tell you your CGT position before you need it, or model the incorporation decision with actual numbers.
Rental tax handled proactively
Section 24, CGT, wear and tear changes, and the incorporation question are not topics that should come up for the first time in January. The tax position on your portfolio is reviewed as part of the ongoing engagement, not only at year-end. You know where you stand before HMRC needs to know anything.
Chartered depth, not just compliance
Founder Niall O'Driscoll is a Fellow of the Chartered Institute of Management Accountants (FCMA, CGMA) with a background in commercial finance, restructures and turnarounds. That means the advice you get is not limited to what box to tick on a return. Portfolio-level decisions — sell, hold, transfer, incorporate — get a considered commercial view, not a generic answer.
Cloud records, nothing lost at year-end
Rental income and expenses are tracked through cloud accounting software throughout the year. By the time January arrives, most of the work is already done. There is no scramble to find twelve months of letting agent statements, and no estimate replacing a figure you cannot locate. The numbers are current because they have been maintained, not reconstructed.
Up and running in four steps
Most landlords are onboarded within a week. The process is straightforward and the initial call takes around 30 minutes.
Book a discovery call
A 30-minute call to understand your portfolio — number of properties, ownership structure, current accountant situation and what is most pressing. No preparation required on your part. You will leave the call knowing exactly what is included and what it costs.
Receive a fixed-fee proposal
A clear written proposal covering what is included, the annual fee and the onboarding timeline. No hourly rates, no ambiguity about what triggers an extra invoice. If the scope changes, that conversation happens before any additional work starts.
Handover and cloud setup
Existing records are migrated or reconstructed into the cloud platform. If you are switching from another accountant, the transfer is handled directly — you do not need to manage that conversation yourself. Access to prior year returns and any outstanding HMRC matters is sorted during onboarding.
Your tax position, visible year-round
Once set up, your rental income is recorded as it comes in, expenses are categorised and your estimated tax liability is visible at any point in the year. January is an administrative formality rather than a stressful deadline. Which is, frankly, the way it should be.
“The service from OD has been excellent, as has their advice. It's great to have access to a financial team who can guide us with such confidence and seamlessly integrate with our internal team. We always feel well-informed and confident about our financial processes and data. Highly recommend.”
Things landlords usually ask first
Do you understand Section 24 and how it affects higher-rate taxpaying landlords?
Yes. The mortgage interest restriction is calculated correctly in every self-assessment we prepare — the basic rate tax credit is applied properly and the interaction with your marginal rate and total income is accounted for. If Section 24 is materially changing your net position, that is a conversation worth having about whether an incorporated structure would produce a better outcome over time.
What does landlord accounting cost and what is included?
Fees are agreed as a fixed annual amount before any work starts. The exact figure depends on the number of properties, ownership structure and whether you need CGT modelling or incorporation advice in addition to the standard self-assessment. Clients consistently describe the pricing as competitive, and the tax savings identified in the first year typically cover the cost of the engagement. Indicative pricing is confirmed on the discovery call.
My records are a mess and I have missed a couple of years. Can you still help?
Catch-up work is a routine part of onboarding for landlords who have managed their own records or had a previous accountant who was not keeping things current. Prior year returns can be prepared and filed, late filing penalties are identified and, where there is a reasonable excuse, mitigation can be explored. The catch-up cost is agreed upfront — it will not escalate as the work progresses.
Is there a long-term contract or minimum commitment?
No long-term contract. If it is not working after three months, you leave with your records in order and nothing outstanding. The engagement runs on a rolling basis and either side can end it with reasonable notice. Most landlord clients stay considerably longer than three months, but that is their choice to make, not an obligation built into the fee structure.
Should I set up a limited company for my rental properties?
Whether incorporation makes sense depends on your income tax rate, how many properties you hold, your mortgage position and what you intend to do with the portfolio in the longer term. Transferring existing properties into a company triggers SDLT and CGT, which can outweigh the tax saving for some landlords entirely. The analysis is done with your actual numbers — not a generic answer — and the result is explained in plain English before any decision is made.
Can you help me understand my capital gains tax position before I sell a property?
Yes. CGT on residential property is calculated at current rates with all available reliefs applied — principal private residence relief, letting relief where applicable, and the annual exempt amount. If a sale is being considered, the liability is modelled in advance so the net proceeds are known before contracts are exchanged, not after. For properties held jointly, both owners' positions are reviewed.
Your rental tax, handled properly this year.
Fixed fee, FCMA-qualified, cloud-based and hands-on. Your self-assessment prepared correctly, your CGT position known in advance, and considerably less to think about come January.