Accountants for Landlords & Property

Property accountancy · MTD ready

Property tax that doesn’t eat into your rent.

Whether you’ve got one buy-to-let or a portfolio of HMOs, we’ll keep your tax bill as low as the law allows, file everything on time, and get you ready for Making Tax Digital before it bites.

200+landlord clients
MTD-readyworkflows
Cloud-basedbookkeeping
Fixedmonthly fees

Property income tax, done properly

Property tax has got messy. Section 24 changed the maths on mortgage interest. Furnished holiday lettings lost their special status. HMOs have their own grey areas. And from April 2026, Making Tax Digital for income tax brings quarterly filings to anyone with rental income above the threshold.

We help landlords navigate all of it without the panic. We’ll model your numbers under different ownership structures, file your self-assessment, set up cloud bookkeeping that actually works for property, and make sure you’re not paying a penny more tax than you have to.

In your fixed fee

What’s included

  • Annual self-assessment with property pages
  • Income & expense modelling per property
  • Section 24 mortgage interest tax credit calculation
  • Furnished Holiday Lettings (FHL) treatment
  • HMO accounting and licensing checks
  • Capital Gains Tax on disposals
  • Stamp Duty Land Tax (SDLT) advice
  • Incorporation Relief modelling (sole trader to Ltd)
  • Making Tax Digital (MTD) setup and quarterly filings
  • HMRC enquiries and Let Property Campaign disclosures
Why Mercian

Why clients stay

A genuinely modern approach

Cloud accounting, MTD-ready workflows and secure document portals — no shoeboxes of receipts, no surprise emails in March.

Fixed fees, no clock-watching

A clear monthly price agreed up front. Call us as often as you need without worrying about a meter running.

Senior advice, not call-centre answers

Every client has a named accountant who knows your business — not a ticket queue.

FAQ

Common questions

Should I move my portfolio into a limited company?
It depends on your income tax band, gearing, and long-term plans. We model both options side-by-side before you commit.
Will MTD apply to me?
From April 2026, anyone with rental income above 50,000 pounds falls into MTD for income tax. We will set you up for digital quarterly filing well before the deadline.
What can I claim as an expense?
Mortgage interest (with tax credit), letting agent fees, repairs and maintenance, ground rent, service charges, insurance, council tax in voids, and reasonable travel to inspect.
I haven’t declared rental income before. What do I do?
The Let Property Campaign is a structured way to disclose to HMRC with reduced penalties. We have handled hundreds of these.
Do you handle HMOs and FHLs?
Yes. They each have specific tax treatments and we work with both regularly across Shropshire and the wider UK.

Ready to talk to a real accountant?

Book a free 30-minute call. We’ll tell you straight whether we can help, what it would cost, and what to do next. No sales pitch, no obligation.

Free calculators for landlords

Estimate the CGT on disposing of a rental property, or the SDLT on your next purchase including the +5% additional dwelling surcharge.