Landlords and property investors
Specialist accountancy services for landlords and property investors.
PJCO has a dedicated team of ACCA-qualified accountants within our Property Investor Department, who specialise in property investor activities, and we truly understand the importance of buying at the right price, strong rental yields, and returns on investment.
We have helped hundreds of landlords and property investors build and grow their portfolios through tailored advice on structure, tax efficiencies, company formations, ongoing compliance, and key steps to build their property portfolio.
Why choose PJCO
- Property specialists not generalists
- Dedicated property investor team
- Initial set up and structuring advice
- Support for both individual landlords and limited companies
- Ongoing tax advice and strategic guidance as your portfolio grows
- End-to-end compliance support
- Experience with HMRC enquiries
- Making Tax Digital expertise
- Trusted property industry network
The right property advice helps you understand your options and plan with confidence.
Why specialist property advice matters
Property investing may or may not be right for you. PJCO will give you clear and honest advice based on your personal circumstances to ensure you have all the facts before investing.
We will consider the best route for you when starting your property investor journey, and this will include considering the tax implications of investing in your name personally or within a company.
If you are looking for tax efficient ways to hold your long-term property investments, PJCO also has expertise in family investment companies, and group structures.
Whether you’re growing your portfolio, restructuring, or planning for retirement, we scale our support around you every step of the way.
The right advice isn’t just about compliance. It’s about understanding your options, forward thinking, and making decisions that support your long-term goals.
Plan your property finances with confidence
Get the right guidance to help you manage your property investments effectively.
Individual landlord services
If you own property in your name personally or are looking to invest personally, PJCO can help you stay compliant with the law and all HMRC reporting requirements.
Owning property comes with tax responsibilities. We'll help you understand what they mean for you.
We provide specialist advice for individuals who own property in their personal name, helping you understand the tax implications of your ownership structure, the impact of Section 24 finance cost restrictions, and identify opportunities to improve tax efficiency.
From HMRC registrations and Making Tax Digital compliance to bookkeeping software setup and training, we take care of the detail, so you don’t have to.
Our approach ensures your records are accurate, compliant, and up to date, giving you the clarity and confidence to make informed decisions about your property portfolio.
- HMRC registrations
- Personal Tax/Self-Assessment tax return services
- Making Tax Digital for Income Tax services
- 60 Day Residential Capital Gains Tax returns
- Let Property Campaign disclosures
Let Property Campaign Disclosure team
If you have undeclared rental income and you need to bring your tax affairs up to date, we can guide you through HMRC’s Let Property Campaign disclosure process and help resolve matters with ease.
PJCO has years of experience, and we work to achieve the most favourable penalty rates, whilst staying compliant with HMRC regulations.
We handle all your tax filings and deadlines, keeping you compliant and protected from rule changes.
Limited company services
If you own property through a company or are looking to invest through one, PJCO provides specialist accounting and tax support to help you manage your property business.
Get your property company set up correctly, with the right foundations for long term success.
From forming a Buy-to-Let Special Purpose Vehicle (SPV) and selecting appropriate Companies House SIC codes to advising on shareholdings and directors’ responsibilities, we’ll help you establish your company correctly from day one.
As your portfolio grows, we’ll manage your ongoing accounting, tax and reporting requirements, helping you meet your Companies House and HMRC obligations.
Our services include:
- Company formations
- Annual accounts
- Corporation Tax returns
- Bookkeeping and letting statement processing
- VAT advice and returns
- Property management reports
We keep up to date with relevant legislation and regulatory changes, providing clear, proactive advice to help you manage your property company with confidence.
Property network
Every successful property investor has the right team behind them. We make sure your finances, tax, and structure are all working together to help your portfolio reach its full potential.
PJCO has built long-standing successful business partnerships with providers who can help our landlords in all areas of property investing.
- Tag commercial mortgages
- PropertyX sourcing and education
- Hammock landlord specialist software
- Solace Property Management Group
- DMH Stallard conveyancing solicitors
Access a trusted network of property specialists to support your investment journey.
Clarity for your financial journey
Talk to our team and take the next step forward with confidence.
FAQ
How is rental income taxed in the UK?
If you own property personally, rental income is added to your other earnings and taxed at your usual income tax rate. If you own property through a limited company, then corporation tax applies instead. The right structure can make a significant difference to your overall tax bill.
What expenses can landlords claim?
You can claim for things like repairs, letting fees, insurance, utility bills and professional fees against your rental income. Mortgage interest relief is still available but comes with Section 24 restrictions attached to it. It is always best to check with an expert accountant to ensure you are claiming for the right things and not missing any tax saving opportunities.
How does Section 24 affect landlords?
Section 24 replaced full mortgage interest deductions with a basic rate tax credit for personally owned properties. For higher rate taxpayers, this means a noticeably higher tax bill. It’s one of the main reasons many landlords are now considering limited company ownership.
Do landlords need to register for Self Assessment?
Yes. If you earn rental income that hasn’t been taxed at source, you must register for Self Assessment and declare it annually. It’s easy to put off, but HMRC will catch up eventually — so the sooner you get it sorted, the better. If you earn over £50,000 a year (2026/27 tax year), you are also required to comply with Making Tax Digital for Income Tax Self Assessment.
Should landlords consider owning property through a limited company?
It’s not a simple yes or no. A limited company works well for some landlords and not at all for others. Your tax position, mortgage arrangements and future plans all need to be factored in before making a move.
What is the Let Property Campaign?
It’s an HMRC scheme allowing landlords to voluntarily declare previously undisclosed rental income. Coming forward typically means lower penalties than being found by HMRC. The process is straightforward and we handle everything on your behalf if needed.