LANDLORDS
How to get the best out of a property investment
Owning property, whether it’s a single property or multiple properties, can make a big difference to your income, both now, and in later life. For many, investing in houses or flats, and building up a healthy buy-to-let portfolio, is a key part of any retirement planning.
Venturing into the world of property ownership as a landlord is indeed an exciting opportunity, offering the potential for financial growth and stability.
It’s an exciting proposition, but it does involve extra legal responsibilities, from looking after and maintaining your property and the welfare of your tenants, to making sure that you’re set up for and ready to use the government’s Making Tax Digital changes to tax regulations due for introduction on 6th April 2026.
Knowing what you can and can’t claim as a landlord is vital to make sure that you’re paying the right amount of tax, our Tax Planning Services and Bookkeeping Services will make sure you meet all your legal responsibilities whilst getting the best out of your investment.
Being a long-term landlord
At Pi, our Tax Planning Services don’t begin and end at tax-year end. The simplest self-assessment tax return can prompt us to ask questions that other accountants may not consider. We want to understand your long-term plans and how your property investment can help you achieve them. You may want to keep your rental portfolio as part of your income, and you might want to pass the assets on to your children – which means planning the best way to reduce your Inheritance Tax bill, after you’re gone.
You may be able to pass your property on as a Potentially Exempt Transfer, or PET, which means you won’t leave behind a large Inheritance Tax bill.
Forming a Limited Company for your property holdings could suit you better. That way, you can make other family members shareholders, so they can all receive dividends.
Why Pi?
All accountants ask questions. 9 times out of 10 they’re just fact-checks:
Where’s your May bank statement, or what happened to that receipt for the new flooring?
But every tax return we file tells a hidden story – and can raise much more interesting questions. Could you afford to buy another property next year? Could you or should you charge more rent, or become a limited company? Is your rental income pushing you over a higher tax threshold, so you’re paying more tax than you need to?
We spot ways that you can organise your finances and taxes differently in the future.
Got a query about being a landlord?
Get in touch with us by using our contact us pages if you’d like to find out about if you’d like to find out about any of our services. We understand that every situation is distinct, and by initiating this contact, you take the first step towards a more informed, effective, and successful journey.
Request a callback from one of our team
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