Property and landlord accountants in Belfast and Northern Ireland

Usually not, and it costs you nothing to hear that. For a single unmortgaged property, or where the rental profit sits inside your basic-rate band, a company adds filing costs and a second layer of tax for very little gain. The case gets stronger with higher-rate income, mortgage debt caught by Section 24, several properties, and a long horizon. We run the comparison on your figures and tell you which way it falls.

Sometimes yes, sometimes no, and the cost of getting there is the part people forget. Moving property you already own into your own company is a disposal at market value, so capital gains tax can arise even though no money changes hands, unless a relief applies, and the company pays stamp duty on the way in. Mortgages usually have to be refinanced at company rates. For higher-rate landlords with three or more mortgaged properties and a long horizon the answer often leans yes, but only once those costs are on the table.

Residential property gains are taxed at 18% or 24% depending on where the gain sits against your income, after the annual exempt amount of £3,000. The gain is the sale price less what you paid, your buying and selling costs, and any capital improvements. If you lived in the property yourself at some point, private residence relief reduces the gain for that period. We calculate it before you accept an offer, so the tax bill is not a surprise afterwards.

If capital gains tax is due on a UK residential property disposal, yes. The return and the payment are both due within 60 days of completion, separately from your self-assessment return, and late filing brings penalties. It is the single most common thing landlords are caught by. Tell us before you complete, not the following January.

From April 2026 if your gross property income is over £50,000. From April 2027 if it is over £30,000. From April 2028 if it is over £20,000. We handle the setup and the quarterly submissions as part of the service.

Furnished Holiday Let status was abolished. You lose the capital allowances on furnishings, the more generous CGT treatment, and the pension-contribution-eligible income status. We model your specific position and the steps that recover the most of what FHL used to give you.

Probate value sets your CGT base cost, which is usually a meaningful uplift. You can sell, let, or move in. Each has different stamp duty, capital gains and income tax consequences. We walk you through the trade-offs before you decide.

Yes. We are based in Belfast and act for landlords right across Northern Ireland, including people who own property here and live elsewhere. Most of the work happens by email, phone and video call, with meetings in the office when they help.