The portfolio is expanding
New borrowing or acquisitions make ownership, VAT, SDLT and cash-flow decisions more material.
Landlords & property investors
See the tax position of the whole property portfolio before choosing the next move.
UA Tax combines dependable rental reporting with advice on ownership, finance, acquisitions, disposals and succession, helping landlords understand both the immediate tax charge and the longer-term cost of a decision.
- FCCA & CTA expertise
- Experience at BDO & KPMG
- Responses in hours, not days
- Fees agreed upfront
Expert perspective
Property tax decisions are connected across time.
The structure that appears efficient for collecting rent may be costly when property is purchased, refinanced, transferred or sold. That is why a company-versus-personal comparison should include SDLT, finance, extraction and exit rather than stopping at the annual income-tax rate.
We establish a reliable portfolio schedule covering ownership, purchase history, debt, income, expenses and use. It supports accurate returns today and creates the base-cost and evidence file needed for a later disposal or restructure.
Advice is then built around your actual intention: income now, portfolio growth, family succession, risk reduction or an orderly exit. Where legal conveyancing, mortgage or regulated financial advice is required, we coordinate the tax steps with your other advisers.
When this matters
Recognise the point at which advice adds value
The best result usually comes from reviewing the position before documents are signed, money moves or a filing deadline becomes urgent.
Finance costs have changed the result
Cash profit and taxable profit have diverged, particularly where property is held personally.
A company is being considered
You want a full comparison of future purchases versus transferring an existing portfolio.
A sale or family transfer is likely
Base cost, reliefs, reporting deadlines and inheritance-tax objectives need review before completion.
The technical review
Specialist property advice across the portfolio lifecycle
Choose a defined service or ask us to coordinate the annual compliance and long-term property tax plan.
Landlord Accounts & Tax
Rental accounts, Self Assessment, expense review, finance-cost treatment and a portfolio record designed for future decisions.
Explore this service →Property Tax Planning
Compare ownership and transaction routes around acquisitions, refinancing, income, family and eventual exit.
Explore this service →Property Incorporation
Test CGT incorporation relief, SDLT, business activity, mortgages and implementation before transferring an existing portfolio.
Explore this service →Property Capital Gains Tax
Calculate disposals, Private Residence Relief, enhancement costs, losses and the separate UK property reporting deadline.
Explore this service →SDLT Advice
Review higher rates, multiple properties, linked transactions, mixed or non-residential use and company or partnership transfers.
Explore this service →Disclosure & Non-Residence
Resolve historic rental omissions through the Let Property Campaign and manage non-resident landlord reporting.
Explore this service →What changes the answer
Annual tax is only one line in the property model.
The right route balances cash flow now with transaction taxes, finance and the eventual extraction or disposal cost.
- 01Who owns each property beneficially and legally, and is the evidence consistent with tax reporting?
- 02How do interest restrictions, debt repayment and capital expenditure affect real cash returns?
- 03What SDLT, CGT, refinancing and legal costs arise if ownership is changed?
- 04Is the objective long-term income, reinvestment, succession or sale, and how soon might that change?
How UA Tax works
A clear route from question to implementation
You will know what we need, what we will deliver and which decisions remain yours.
Build the portfolio schedule
We map ownership, purchase cost, debt, rent, expenditure and historic use for every property.
Reconcile tax to cash
We explain differences created by finance costs, capital expenditure, loan repayments and timing.
Model the next decision
We compare realistic ownership, acquisition, refinance, transfer or disposal routes.
Maintain the evidence
Returns, elections, valuations and supporting records are organised so future transactions are not built on guesswork.
Questions worth asking
Frequently asked questions
Do you work with landlords anywhere in the UK?
Yes. We advise landlords and property investors across the UK using secure digital records and video meetings, while accounting for the jurisdiction-specific rules relevant to a transaction.
Should every landlord use a limited company?
No. A company can change the treatment of finance costs and retained profits, but it introduces corporation tax, extraction, administration and transaction considerations. Existing and future properties should be modelled separately.
Can you prepare accounts for a property company and personal returns for the owners?
Yes. Coordinating both helps reconcile loans, dividends, benefits, rental interests and the owners’ wider tax position.
What property records should I retain?
Keep completion statements, contracts, SDLT returns, legal invoices, evidence of enhancement work, loan statements and detailed rental records. Many disposal costs cannot be reconstructed reliably years later.
Can jointly owned rental income be split differently?
Sometimes, but the answer depends on the owners’ relationship, beneficial interests and any required declaration to HMRC. The legal ownership and evidence should be reviewed before changing the tax split.
When should I seek advice on a property transaction?
Before exchange of contracts, transfer or refinancing. SDLT, CGT and ownership consequences can be fixed by the legal steps, leaving limited options after completion.
Continue exploring
Related advice
Bring the decision into focus before you act.
Start with a short initial call, or book a focused consultation if you already have a specific transaction or technical question to resolve.