Your buy-to-let, properly accounted for.
Most accountants treat a rental property like an afterthought bolted onto a personal tax return. We treat it as what it is: a business, with its own numbers, its own rules and its own opportunities to plan properly.
At Bernard Rogers & Co, we believe in a dedicated approach. You’ll have a named Client Manager who knows your business inside out, ensuring you have a consistent point of contact who truly understands your goals and can help navigate any challenges as they arise
That is what buy-to-let accounting looks like here. Not a bolt-on to a personal tax return. A proper look at your properties, individually and as a whole.
How this plays out in practice
A landlord with one rental property typically comes to us wanting their Self Assessment filed correctly, their expenses properly claimed, and reassurance that they are not missing anything. We handle the property pages as part of a standard personal tax service, flag anything that could reduce their bill, and let them get on with being a landlord rather than an accountant.
A landlord with a growing portfolio has a different set of questions. Should the next purchase go through a limited company. What happens to their tax position if they remortgage to fund it. Whether it makes sense to transfer an existing property into a company structure, and what that would actually cost in tax to do. We work through this with them property by property, rather than offering a generic answer that ignores what they already own.
What we do together
Rental income and Self Assessment
We prepare and file your property pages every year, making sure your rental income, allowable expenses and reliefs are all recorded correctly. If your qualifying income is above £50,000, Making Tax Digital already applies to you, and we get you set up on compliant software well before your next reporting point. The £30,000 threshold follows in April 2027, and we plan ahead for that too.
Allowable expenses and record keeping
Repairs, letting agent fees, insurance, service charges, and mortgage interest relief through the finance costs tax reduction rather than a straight deduction. Getting this right the first time avoids a difficult conversation with HMRC later. We set you up with a simple way to record everything as you go, so nothing gets missed at year end.
Capital gains tax planning
If you are thinking about selling, timing and structure matter. Residential property gains are taxed at 18% or 24% depending on your income, with a £3,000 annual exempt amount, and any tax due has to be reported and paid within 60 days of completion. We help you plan for that before you exchange, not after.
Structuring your portfolio
Some landlords are better off holding property personally. Others benefit from a limited company, particularly once mortgage interest restrictions and higher rate tax start to bite. There is no single right answer. We look at your specific portfolio, your plans for growth and your personal tax position, and tell you honestly which structure works for you.
Growing portfolios
As you move from one property to several, the accounting gets more complex fast. Different purchase dates, different finance arrangements, different levels of gearing. We keep track of it property by property, so you always know which ones are working hardest for you.
Buying and selling
Stamp duty on an additional property carries a 5% surcharge on top of the standard rates, and it catches people out if it is not planned for. We look at the numbers before you commit, so there are no surprises at completion, and we handle the reporting once a sale goes through.
Why landlords stay with us
Many of our clients have been with Bernard Rogers & Co for more than a decade, with some relationships spanning 20 years or more. For landlords, that continuity can be particularly valuable. As your property portfolio grows and changes, having an accountant who understands its history, how it is structured and what you are working towards means we can advise with the bigger picture in mind.
Every client has a dedicated Client Manager who gets to know you and your portfolio, supported by our wider tax and accountancy team when specialist advice is needed. It means you have a consistent point of contact, rather than having to explain your circumstances to someone new each time you need support.
Whether you own one rental property or have built a larger portfolio across Warwickshire and beyond, we can help you plan ahead, understand the tax implications of your decisions and keep on top of your accounting requirements.
"We've been using Bernard Rogers and Co for several years for all our business group's accounting needs, and we couldn't be happier with the service. The team are always professional, knowledgeable, and quick to respond to any questions. Highly recommend!"
FAQs
Common questions about Your buy-to-let. Get in touch if there is anything else you would like to know.
Not necessarily. It depends on your income, your growth plans and how you are funding your purchases. We look at your specific numbers rather than giving a blanket answer, because the right structure for a one-property landlord is often wrong for someone building a portfolio.
Repairs and maintenance, letting agent and management fees, insurance, ground rent and service charges, and a portion of mortgage interest through the finance costs tax reduction rather than as a straight deduction. We go through your specific property to make sure nothing allowable is missed.
If your combined rental and self-employment income is above £50,000, it already applies to you. The threshold drops to £30,000 from April 2027. We tell you exactly when it applies to you and get you set up on compliant software in good time, not at the last minute.
Capital gains tax is due on the profit, not the sale price, and needs reporting and paying within 60 days of completion. Timing the sale around your income in a given tax year can make a real difference to the bill. Speak to us before you exchange, not after.
Very straightforward. We handle the professional clearance, contact your existing accountant and make sure nothing falls through the gaps between one tax year and the next.
Get in touch with David
Contact David directly, or fill out the form below and we'll be in touch ASAP.
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