Landlord Accounting Services
We help Cardiff landlords keep their rental accounts in order, stay on the right side of HMRC, and pay less tax than they thought possible. Whether you're renting out a single property or managing a growing portfolio, we'll handle the paperwork so you can focus on your investment.
Everything under landlord accounting
From single buy-to-lets to multi-property portfolios, we cover every aspect of landlord accounts and tax. Here's what we can help with.
Rental Income & Expense Tracking
Monthly bookkeeping that keeps your rental income, mortgage interest, repairs and running costs organised and audit-ready.
Self-Assessment Tax Returns
Accurate filing of your property income, reliefs and allowances so you pay exactly what you owe and not a penny more.
Capital Gains Tax Planning
Strategic advice when you sell or transfer property, helping you minimise CGT liability through allowances and timing.
Property Business Structuring
Guidance on whether to hold properties personally, in an SPV, or as a limited company for the best tax outcome as you grow.
How we support Cardiff landlords
Landlord accounting is more than just adding up rent and expenses. It's about structuring your affairs so HMRC gets what it's owed, you keep what you've earned, and your records stand up to scrutiny. We work with landlords across Cardiff and South Wales who want professional support without the corporate jargon or sky-high fees.
We start by getting your books in order. That means setting up a system to track rental income, mortgage interest, repairs, agent fees, insurance and all the other costs that eat into your profit. If you're already using software like Xero or QuickBooks, we'll link in and tidy things up. If you're working from spreadsheets or shoeboxes, we'll get you onto something simpler.
We've saved landlords thousands by spotting reliefs and allowances they didn't know existed.
More information
Once your records are clean, we handle your self-assessment tax return. That includes claiming every relief you're entitled to, whether it's finance costs, capital allowances on furnished lettings, or wear-and-tear replacements. We also advise on timing: when to make repairs, when to sell, and how to use your annual CGT allowance before it goes to waste.
If you're growing your portfolio, we'll talk you through the pros and cons of holding properties in your own name versus setting up a limited company or SPV. The right structure depends on your income, your plans, and how much tax you're currently paying. We've worked with landlords managing everything from a single flat in Roath to a dozen houses across the valleys, so we understand the practical side as well as the tax side.
What's included
- Monthly or quarterly bookkeeping for rental income and expenses
- Preparation and filing of self-assessment tax returns
- Capital gains tax advice when you buy, sell or transfer property
- Guidance on property business structures and incorporation
- VAT advice if your rental income crosses the threshold
- Inheritance tax planning for property portfolios
- Support with HMRC enquiries and compliance checks
We're based in Cardiff, so we know the local rental market. We've worked with landlords in Cathays, Pontcanna, Whitchurch, Penarth and beyond. Whether you're renting to students, professionals or families, we understand the income patterns, the maintenance cycles, and the questions HMRC tends to ask about South Wales properties.
Most of our landlord clients come to us after a tax bill they didn't expect, or because they've outgrown a high-street accountant who doesn't specialise in property. If that sounds familiar, we'd be happy to review your current setup and show you where we think we can help.
You might also need
Furnished Holiday Let (FHL) Tax Returns
We prepare and file Furnished Holiday Let tax returns, checking qualifying days, allowable expenses and allowances, so your HMRC figures are correct and on time.
Furnished Holiday Let (FHL) Tax Returns→Property Portfolio Accounting
Rental income and expense accounting across multiple properties, with clean records, profitability by property, and HMRC-ready figures for returns and planning.
Property Portfolio Accounting→Buy-to-Let Tax Returns
Buy-to-let tax returns prepared and filed with clear guidance on rental income, allowable expenses and HMRC deadlines, so you stay compliant and pay the right tax.
Buy-to-Let Tax Returns→Before we start
Here are the questions we hear most often from landlords in Cardiff and across South Wales.
Do I need an accountant if I only rent out one property?
How much do your landlord accounting services cost?
What records do I need to keep as a landlord?
Should I set up a limited company for my rental properties?
Can you help with capital gains tax when I sell a property?
Do you work with landlords outside Cardiff?
What happens if HMRC opens an enquiry into my tax return?
How often will we need to speak?
Let's talk about your rental properties
Book a free consultation and we'll review your current setup, answer your questions, and explain exactly how we can help.
Book a free consultation