Landlord accountant
in Erith
Fixed-fee property tax returns, Section 24 advice and MTD for landlords across Erith, Bexley and Dartford.
WHY LANDLORDS CHOOSE BDH
Property accounting.
Done properly.
Landlord tax has become significantly more complex in recent years. Section 24 has reduced the mortgage interest relief you can claim, Making Tax Digital is coming for rental income from 2026, and Capital Gains Tax rules on property disposals have tightened.
BDH Accounting Services handles all of it for landlords across Erith, Bexley, Dartford and Kent — one fixed monthly fee, no surprises and an ACCA-accredited accountant who actually knows property tax.
SERVICES FOR LANDLORDS
Everything you need, all included
One monthly fee covers your full landlord accounting — from self assessment and bookkeeping to CGT returns and MTD compliance.
Rental income Self Assessment
Annual SA tax returns covering all rental income, allowable expenses and Section 24 mortgage interest calculations — filed on time, every time.
Section 24 planning
We model the impact of Section 24 on your rental income and identify legal structures — including limited company incorporation — that could reduce your liability.
MTD for landlords
Making Tax Digital for ITSA requires quarterly digital submissions from April 2026. We set you up on compliant software and manage all submissions.
Capital Gains Tax on property
Selling a rental property triggers a 60-day CGT reporting obligation. We calculate your gain, apply all available reliefs and file the return before the deadline.
Portfolio bookkeeping
Accurate, property-by-property income and expense tracking across your entire portfolio — essential for correct tax calculations and mortgage applications.
Same-day support
Tenancy changes, mortgage renewals, new property queries — your dedicated accountant responds the same working day, every time.
SECTION 24 EXPLAINED
How Section 24 affects your rental income
Before Section 24, landlords could deduct mortgage interest directly from rental income before paying tax. Now you receive only a basic rate (20%) tax credit — meaning higher-rate taxpayers effectively pay tax on income they have not received.
The impact is largest for higher-rate taxpayers with highly leveraged portfolios. Strategies to mitigate the effect include incorporating into a limited company, adjusting ownership split between spouses, or reviewing your borrowing structure.
We model each option against your individual numbers before recommending anything. There is no one-size-fits-all answer.
Discuss your situationMAKING TAX DIGITAL FOR LANDLORDS
MTD ITSA — what you need to know
From April 2026, landlords with rental income above £50,000 must keep digital records and submit quarterly updates to HMRC. The threshold drops to £30,000 in April 2027 and to £20,000 in April 2028.
You will need MTD-compatible software and four quarterly submissions per year, plus an end-of-period statement and a final declaration replacing your current annual SA return.
We get clients set up on compatible cloud software, import existing records and manage all submissions — so the quarterly deadline never catches you off guard.
Get MTD-ready nowGOOD TO KNOW
Frequently asked questions
Do I need an accountant as a landlord?
If you receive rental income, you are legally required to declare it on a Self Assessment tax return. An accountant ensures you claim every allowable expense, apply Section 24 correctly and do not overpay tax. Most landlords find they save more in tax than they pay in fees.
What is Section 24 and how does it affect my tax bill?
Section 24 restricts the mortgage interest relief landlords can deduct from rental income. Instead of deducting full interest costs, you receive a 20% tax credit. Higher-rate taxpayers are most affected — we calculate the exact impact on your portfolio and advise on legal structures that may reduce your liability.
What expenses can I deduct from my rental income?
Allowable expenses include letting agent fees, property management costs, maintenance and repairs (not improvements), landlord insurance, ground rent and service charges, accountancy fees and a proportion of loan interest subject to Section 24 rules. We ensure nothing claimable is missed.
Will I need to comply with Making Tax Digital as a landlord?
Yes. From April 2026, landlords with rental income over £50,000 must use MTD for Income Tax Self Assessment. From April 2027 the threshold drops to £30,000. We can set you up on compatible software and handle your quarterly submissions from day one.
Do I need to pay Capital Gains Tax when I sell a rental property?
Usually yes. CGT on residential property is charged at 18% (basic rate) or 24% (higher rate) on gains above the Annual Exempt Amount. You must report and pay within 60 days of completion. We calculate your liability, apply all available deductions and file the return on your behalf.
Should I put my rental properties in a limited company?
It depends on your individual circumstances. Incorporation can reduce the Section 24 impact and offer tax-efficient profit extraction, but involves stamp duty on transfer, ongoing company compliance costs and potential mortgage complications. We model both scenarios against your numbers before making any recommendation.
Can you help landlords with multiple properties?
Yes — portfolio landlords are our speciality. We handle bookkeeping across multiple properties, allocate income and expenses correctly, advise on ownership structures and prepare a combined Self Assessment covering all your rental income.
Ready to sort your
landlord tax?
Book a free, no-obligation consultation. We will review your portfolio, explain your obligations and give you a fixed monthly price — no surprises.
Book your free consultation