Accountant for Property Investment

From commercial and residential landlords to property investors and developers, our accountant for property investment services help you manage rental income, property expenses, and tax efficiently. At Palmers, we provide specialist accounting solutions for property professionals to ensure compliance, maximise profitability, and simplify financial management.

Free up your time

so you can focus on growing
your portfolio

Stress-free finances

Easier tax planning, bookkeeping
and growth strategy

From compliance to growth

Solid financial support with actionable financial insights

Common Pain Points for Property Investors

Managing a property portfolio isn’t simple, it often means juggling multiple income streams, mortgages, expenses, and tax obligations. Without specialist support, property owners can easily overpay tax, miss reliefs, or struggle with cash flow.

Palmers helps property investors stay compliant, optimise deductions, and maximise profitability, while reducing admin stress.

Problems we solve for property investment

Handling multiple Rental Income Streams

Keeping track of rent from different properties can be a headache. We provide efficient systems to record and reconcile rental income, ensuring nothing gets missed.

Understanding Interest and Allowable Expenses

The rules around what you can deduct are complex. Palmers ensures all eligible costs are claimed correctly, from mortgage interest and maintenance to service charges and utilities.

Complex VAT for Property Businesses

Property VAT rules can be tricky, especially with commercial or mixed-use buildings. We help you stay compliant, register where beneficial, and recover allowable VAT.

Balancing irregular income and expenses

Rental income often comes in cycles, but expenses rarely do. Our cash flow forecasting helps you prepare for void periods, unexpected repairs, and plan for future acquisitions.

High taxes from property sales

Selling a property can trigger large tax bills. Palmers ensures you optimise capital gains tax and claim available reliefs, reducing liabilities when disposing of assets.

Choosing the Right Ownership Structure

Palmers provides tailored advice to help you choose the most tax-efficient structure, balancing short-term returns with long-term wealth planning.

We support property investment businesses, whatever their size.

We help property investors manage rental income, capital gains, and tax planning with clear, actionable financial insights. Focus on growing your portfolio while we take care of your accounts.

Individual landlords

Manage multiple rental properties and personal tax efficiently
Property investment companies

handle limited company accounts, VAT, and compliance
Buy-to-let investors

track income, expenses, and deductions
Commercial property owners

manage complex revenue streams and financial reporting

Why Choose Palmers for Property Investment Accounting?

We help ambitious business owners make brilliant business decisions

We created Palmers Accounting to help entrepreneurs make smart financial decisions to achieve their unique business vision.

We have extensive experience with property investment clients of all sizes. With a high level of understanding about your specific field, we’ll help you overcome all the issues that property investment businesses are uniquely challenged with.

I have worked with a couple of different accountants since setting up my business, both were excellent at what they do but neither provided the insightful information on my business that Palmers have. I can see at a glance the revenue drivers, profitability, average order value, customer retention rate and net worth of the company, plus plenty of other useful detail. These are all vital to help me grow my business.

Palmers have been my accountants since I first started my business; they have helped me find my feet and been a huge support. The team are able to explain even the most complex accounting concepts in plain English and always offer no-nonsense, pragmatic advice on broader areas than purely accountancy.

I love working with Palmers Accounting, they treat my business like it’s their business.

Palmers has provided me with invaluable advice and support as my business has grown and evolved. I’ve worked with them since setting up my business and the team is fantastic. They've looked after all my day-to-day accountancy needs whilst also providing insightful reporting; helping me to manage my business effectively. I’d highly recommend working with them.

When we decided to start a new business venture and buy the freehold to our local pub, the advice and guidance Adam and the team at Palmers provided was invaluable. From advising on the right company structure and setting up our operation and securing a significant VAT refund, Adam has been instrumental in ensuring we have the thriving business we always dreamed of.

Comprehensive and Specialist Accountant for Property Investment

Our services are tailored to provide specific accounting for property investment businesses, including VAT support, R&D tax credits, and growth planning.

Property Bookkeeping & Cloud Accounting

Stay in control of your portfolio with Xero or QuickBooks bookkeeping, making it easy to track rental income, expenses, and mortgage interest, all in one place, with real-time access to your numbers.

Self-Assessment & Company Tax Returns

Whether you own property personally or through a limited company, we handle accurate, stress-free tax filings tailored to landlords and property investment businesses.

VAT Guidance for Property Businesses

Commercial and mixed-use properties often bring VAT complications. Palmers provides specialist VAT guidance and compliance support, ensuring correct treatment on transactions and reclaiming allowable VAT.

Mortgage Interest & Allowable Expenses Tracking

The rules on what you can claim are complex. We ensure every deductible expense is recorded correctly, helping you maximise tax reliefs while staying fully compliant.

Cash Flow Forecasting & Portfolio Planning

Anticipate rental income cycles, void periods, and unexpected repairs with cash flow forecasting and scenario planning. We also support long-term portfolio growth with tailored investment strategies.

Capital Gains & Other Tax Reliefs

When selling or restructuring your portfolio, Palmers ensures you optimise capital gains tax and make the most of available reliefs, reducing liabilities and protecting your returns.

Ownership Structure Advice

One of the most important tax decisions for property investors is whether to own property personally or through a limited company. Palmers provides tailored advice on the most tax-efficient ownership structure, helping you balance short-term savings with long-term wealth planning.

Frequently Asked Questions

Here some quick answers to accounting matters related to property investment

Why do property investors need specialist accountants?

Property investment comes with challenges that general accounting often overlooks—multiple rental income streams, mortgage interest rules, capital gains, and complex tax reliefs. A specialist accountant ensures:

Compliance with HMRC requirements.
Optimisation of all allowable deductions and reliefs.
Clarity to make informed decisions about your portfolio.

Palmers specialises in helping investors not just stay compliant, but maximise profitability while reducing admin stress.

How can Palmers help landlords with tax and VAT?

We provide tailored tax planning and VAT advice designed for property businesses. Our support includes:

Guidance on allowable expenses to reduce tax liabilities.
VAT compliance for commercial and mixed-use properties.
Strategies to structure property ownership tax-efficiently (personal vs. limited company).

With Palmers, landlords and property investors can be confident their tax is not only correct but also as efficient as possible.

Can Palmers assist with cash flow and portfolio growth?

Absolutely. We understand that rental income can be irregular while expenses remain constant. That’s why we provide:

Cash flow forecasting to plan for rent cycles, voids, and unexpected costs.
Budgeting support to keep portfolio finances balanced.
Portfolio growth planning, helping you identify the best opportunities for expansion while staying profitable.

With our proactive approach, you’ll always know where your portfolio stands today—and where it could be tomorrow.

Should I own property personally or through a limited company?

This is one of the most common questions property investors face—and the answer depends on your personal circumstances, income level, and long-term goals.

Owning property personally may be simpler, but can lead to higher tax liabilities on rental profits.
A limited company structure can offer lower corporation tax rates and more flexibility for reinvestment, but comes with additional reporting and compliance requirements.

Palmers provides bespoke advice to help you choose the most tax-efficient ownership structure for your portfolio, balancing short-term returns with long-term wealth planning.