Interest relief that shrank
Higher-rate landlords still get caught out by the finance-cost restriction.
Landlords & SPVs
Property accounts that treat each door (and each company) as its own story.
Buy-to-let, SPVs, mixed-use and the CGT clock on a sale. Finance costs, not folklore.
Landlords & SPVs
Property Investment
- The tell
- Finance-cost restriction · SPV · 60-day CGT
- Software
- Xero · Sage · QB · FreeAgent
- Reply
- Same day before 4pm
What we usually fix
- Interest relief that shrank
- One company, six mortgages, no pack
- A sale with a 60-day report
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What this sector actually gets wrong
Landlords in the North West are dealing with a tax system that no longer loves unincorporated property. We look after personal portfolios and limited-company SPVs: income, finance-cost restriction, VAT on commercial, and Capital Gains Tax before you exchange.
One company, six mortgages, no pack
Lenders want figures. Spreadsheets from 2019 do not count.
A sale with a 60-day report
UK property CGT has a short fuse after completion.
You probably need this if
The landlords and property companies who call us
- Interest relief shrank and the return still looks like 2016
- A broker has asked for figures you cannot export cleanly
- You are about to exchange and nobody has modelled CGT
- Holiday-let rules have moved and the old treatment is still in the software
Property Investment
Who we act for
Personal landlords
Self Assessment, finance-cost restriction, the 60-day CGT clock.
SPVs and portfolios
One company, several doors, a pack a lender will send.
Owners thinking of incorporating
A five-year model, including SDLT and extraction, not a slogan.
What sits in the monthly fee.
4 lines, all included
- Portfolio Self Assessment or SPV accounts
- Whichever vehicle you actually use. We do not force a structure.
- Incorporation advice
- Moving a portfolio into a company is a CGT and SDLT event. We model it first.
- CGT on disposal
- Report and reliefs, timed to completion.
- Lender packs
- A set of figures a broker can send without rewriting.
Then the calendar takes over.
- 01
Map the vehicles
Personal, partnership, company, and who owns the shares.
- 02
Annual rhythm
Rents, costs, capital spend, refinancing.
- 03
Plan the next purchase or sale
Tax is cheaper when it is designed, not discovered.
From the files
They stayed personal on two houses and put the next purchase in a company. That was the right messy answer.
What actually happened
A Cheshire landlord deciding whether to incorporate
We modelled five years of personal vs SPV after finance-cost restriction, SDLT and the extraction problem.
In plain English
Property Investment accounting, written properly
Each door is a story. Each company is another.
North West landlords are in a tax system that no longer loves unincorporated property. We look after personal portfolios and limited-company SPVs: income, finance-cost restriction, VAT on commercial, and Capital Gains Tax before you exchange. Incorporation is a CGT and SDLT event. We model it first.
Lenders do not read 2019 spreadsheets
Refinancing needs a pack a broker can send without rewriting. We produce that. On a sale, UK property CGT often has a short reporting fuse after completion. We diary it when the memorandum goes out, not when the solicitor chases.
Property Investment questions
Sometimes. Higher-rate taxpayers with growing portfolios often benefit. Extraction and SDLT can wipe the gain. We run the numbers for your properties, not a blog-post average.
Yes. The furnished holiday let regime has been changing. We apply the current rules, not last year’s article.
Yes. We produce the pack they ask for.
Both offices
One number. Whichever desk you land on.
01925 670289Or message us on WhatsApp- Warrington
- Ragan House, 674 Knutsford Road, WA4 1JHMap
info@countplus.co.uk
Monday–Friday, 9:00–17:00. Same-day response before 4pm.
Write to a human
Accounts, tax or consultancy. Pick a topic.
Countplus Accounting, since 2019
Talk to an accountant who already works with landlords and property companies.
A monthly number in a minute, or a conversation with the person who would do the work.
Get a quote, or call the desk on 01925 670289, Monday to Friday, 9 to 5. Write before 4pm and a named person answers the same day.