PROPERTY BUSINESS
Limited Company or Individual
If you own property to let – in your own name, jointly, or through a limited company – we keep you compliant and make sure you're holding it in the way that suits your position. The rules around landlord tax keep shifting, and Sadler Advisory works with property owners across all three structures so you don't have to track every change yourself.
At Sadler Advisory, we are Chartered Accountants and our starting point is your situation, not a checklist. Tell us what you own and where you want to get to, and we'll tell you what that means for your tax – and handle the reporting from there.
Who we work with:
- Individual and joint landlords with one property or a growing portfolio.
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Limited company landlords, whether you're already incorporated or weighing it up.
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Owners mid-decision – buying, selling, restructuring, or moving property between personal and company ownership.
Whichever you are, the same three questions tend to come up. Here's how we handle them.
What we handle for you
Getting you ready for Making Tax Digital. MTD for Income Tax is being phased in for individual landlords by income band – over £50,000 from April 2026, £30,000 from April 2027, and £20,000 from April 2028 (based on gross income, not profit).
Company landlords are outside it. We check whether and when it applies to you, get you set up on cloud accounting such as Xero, and make sure the first quarterly deadline is comfortable rather than a scramble.
Making the most of mortgage interest relief. Individual landlords now get relief as a 20% reduction rather than a full deduction, while companies still deduct finance costs in the usual way. Which side of that line you fall on affects your bottom line, and sometimes the case for incorporating. We'll show you the difference for your own numbers rather than leaving you with a rule of thumb.
Reporting the tax when you sell. Sell a residential property at a gain and you have 60 days from completion to report it and pay the Capital Gains Tax – separately from your normal return. We prepare the figures ahead of completion, apply the reliefs you're due, and file on time.
A simple habit that makes all of this easier
Run your property through its own bank account, keep every transaction going through it, and connect it to cloud accounting such as Xero. Your records then stay current all year instead of being rebuilt each spring – which also puts you a step ahead on Making Tax Digital. We'll set it up with you.
SELLING THE PROPERTY
When you dispose of a residential property in the UK, you need to report the gain and pay the tax within 60 days after the completion date. Reporting capital gains is done outside the ordinary self assessment tax return process, therefore a separate registation and filing is required when you dispose of a residential property in the UIK.