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Landlord Tax Advice for THP clients

If you are a THP Platinum Service Landlord client and we prepare your Self-Assessment Tax Returns, then you qualify for our specialist landlord tax planning service. It's designed to help make your portfolio profitable, tax-efficient and in good shape for the future.

We offer this planning service only to our existing landlord tax clients because to be able to provide you with the best advice it's essential for us to be familiar with your overall financial situation.

As a Landlord you can obtain an instant quote for our Platinum Landlord Service here which includes the use of FREE SPECIALIST LANDLORD SOFTWARE, preparation of your Self Assessment Tax Return and much more besides.

Once you have signed up and are onboarded, you'll be able to tap into expert tax advice from people who have a wealth of knowledge about all the problems landlords encounter when managing a Buy-To-Let portfolio.

Whether you’re thinking of selling or transferring your properties to your spouse or a limited company, or you simply need help when the tax man comes knocking, our tried-and-tested services can get the results you need.

Below are the main services we offer to our landlord clients but if you need any other accountancy or landlord tax advice please talk to your account manager.

1.Transferring properties to your spouse or civil partner

Transferring properties to your spouse can help cut your tax bill significantly. But it’s a strategy that won’t work for everybody. If you are a THP client, we can prepare a Spousal Transfer Suitability Report for you. In it, we will analyse your individual circumstances and tell you:

  • How much tax you could save each year
  • What potential (one-off) costs to expect
  • Factors to take into account when deciding whether to go ahead
  • Our recommendation on whether the process will benefit you

To get started and find out whether you can make tax savings, talk to your account manager.

2. Advice on transferring properties to a limited company

The web is full of recommendations that tell landlords to transfer their properties to a limited company. It’s not that simple! You might save tax, but you could inadvertently be hit by major costs that could take years to recoup.

THP clients who are thinking of setting up a new company can ask us to prepare a Limited Company Suitability Report. We’ll use our knowledge of your financial circumstances to take a close look at your portfolio and circumstances. We'll then alert you to the hidden costs - as well as the tax savings you can expect -  if you:

  1. Retain personal ownership of your properties
  2. Transfer ownership to a new limited company
  3. Set up a new limited company for future property purchases

Thanks to this analysis, we can recommend the most efficient ways to hold your current and future properties – making sure your portfolio is in good shape for the future.

Once you have signed up to our Platinum service for Landlords you will be able to benefit from these comprehensive tax planning services for Landlords.

3. Property transfer assistance

If it is shown to be beneficial in your case to transfer your properties to your spouse or a limited company, we can take the hassle out of the process by dealing with the paperwork and liaising with third parties, such as solicitors and mortgage brokers. As an added bonus, if you are making the transfer on the advice of one of our Suitability Reports, we’ll deduct the cost of the report from our property transfer fee.

4. Capital Gains Tax and selling advice

If you sell a rental property, you could face a substantial CGT bill. For 2026/27, taxable gains are charged at 18% to the extent that they fall within the unused basic-rate band and 24% above it. Early repayment charges and legal or agent fees may also arise. SDLT is normally paid by the buyer, not the seller, although it can be relevant when property is transferred to a spouse, civil partner or connected company. Any UK residential-property CGT due normally has to be reported and paid within 60 days of completion.

THP now provides a CGT Fastrack Service to help Landlords calculate their CGT on sale correctly and claim all the CGT reliefs that are available.

5. Dealing with HMRC and tax investigations

Whether you need help keeping your accounts in order and your tax returns up to date, or you need expert backup to deal with a tax investigation, our experienced team is here for you. We can:

  • Make your buy-to-let accounts run like clockwork. From personal Income Tax and VAT returns through to bookkeeping services, we know how to make sure the taxman stays happy with your paperwork and payments.
  • Resolve tax investigations. If HMRC does decide to investigate your tax affairs, we can deal with them on your behalf – making sure they get the right information quickly and resolve the case as quickly and painlessly as possible.
  • Keep ‘Let Property Campaign’ penalties to a minimum. The HMRC Let Property Campaign offers landlords the chance to declare undisclosed income. Our experience in this area can help you negotiate the best terms with the taxman and keep penalties low – or even avoid them altogether.

If you are a THP client and would like to learn more about any of our services for landlords, please give us a call today or fill in the simple form below. We’re looking forward to helping you.

6. Making Tax Digital for Income Tax

Making Tax Digital for Income Tax applies from 6 April 2026 if the qualifying income shown on the 2024/25 tax return was more than £50,000. It extends from 6 April 2027 where the 2025/26 figure is more than £30,000, and from 6 April 2028 where the 2026/27 figure is more than £20,000. Qualifying income is broadly gross self-employment and property income before expenses. Subject to exemptions, affected landlords need compatible software, digital records, quarterly updates and a tax return. We can check the qualifying-income rules and help clients prepare
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    In the majority of situations probably not unless you have a large portfolio as the costs will likely exceed the benefits. Please read our page on this subject which outlines some of the issues and pitfalls. If you would like specific advice for your own situation, please look at our Platinum Service for Landlords.

    Our detailed landlord tax-planning service is available to Platinum Service clients after we have prepared the client's tax return. This gives us the information needed to provide joined-up advice on their wider tax position.

    We offer landlord accounts and tax returns, tax planning, property-transfer support, Capital Gains Tax calculations, Making Tax Digital support and help with HMRC enquiries and disclosures.

    Yes. We can identify expenses and reliefs that apply to your circumstances. Normal recurring accountancy fees for preparing property business accounts and agreeing property business tax liabilities are generally deductible. Fees for personal tax work, Capital Gains Tax or capital matters may not be.

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