Landlord Accounting Packages in Chester

We believe expert property accounting should never come with surprise bills. Our transparent, fixed-fee monthly packages give you complete peace of mind, knowing your HMRC compliance, tax returns, and allowable expense claims are fully covered.

Whether you are managing a single buy-to-let, expanding a larger portfolio, or need our dedicated MTD Ready package (specifically designed for landlords with a combined income over £50,000 or proactive investors looking to volunteer for Making Tax Digital early), choose the perfect tier for your property business below:

With the recent restrictions on mortgage interest relief (Section 24), many property investors are choosing to buy and manage their portfolios through a Limited Company (Special Purpose Vehicle).

Operating through a company allows you to deduct 100% of your mortgage interest as a business expense and pay Corporation Tax rather than higher-rate Income Tax. However, the transition requires careful tax planning regarding Stamp Duty Land Tax (SDLT) and Capital Gains Tax (CGT).

Need advice?

Book our one-off Director’s Tax Efficiency Review (£495). We will run the exact numbers on your portfolio to determine if incorporating will actually save you money.

Ready to incorporate?

We can handle the official setup of your property SPV with the correct SIC codes for mortgage lenders for just £175 (plus Companies House fee).

Already have an SPV?

You will simply fall under our standard Limited Company Accounting Packages (from £75/month).

We believe expert property accounting should be completely transparent. When you choose a fixed-fee monthly package with Phillips & Co, you are not just paying for a year-end tax return—you are gaining a dedicated property tax partner.

Explore the comprehensive breakdowns below to see exactly how much administrative heavy lifting we take off your shoulders at every tier, ensuring your rental portfolio remains highly profitable, tax-efficient, and strictly compliant with HMRC.

The Essential Package (£32/month)

The perfect core compliance package for accidental landlords or investors managing 1 to 2 rental properties who want absolute peace of mind and zero surprise tax bills.

► Comprehensive Property Accounts Preparation We take your raw rental income data and turn it into a clear, compliant financial picture.

Allowable Expense Optimisation: We meticulously compile your annual rental income and rigorously review your ledger to ensure every single allowable property expense is claimed (from maintenance and letting agent fees to insurance and ground rent).

Mortgage Interest Relief: We calculate your exact financial position regarding the latest Section 24 mortgage interest relief restrictions, ensuring your tax reduction is applied perfectly.

► Personal Self-Assessment Tax Return (SA100) We eliminate the stress of the January tax season completely.

Tax Calculation: We accurately calculate your exact Income Tax liability, factoring in your property yields alongside your standard employment salary or dividend income.

Complete Tax Return Filing: We prepare and submit your full Self-Assessment tax return directly to HMRC, providing you with a clear summary of exactly what you owe and precisely when to pay it.

► Year-Round Proactive Support & Alerts Unlike a one-off accountant, we act as your ongoing financial safety net.

Dedicated Local Accountant: You get a dedicated property tax expert who understands the Chester market and is always available for plain-English advice.

Deadline Management: We actively chase you for your records well ahead of time, ensuring you never miss an HMRC deadline or face a late-filing penalty.

The Portfolio Package (£52/month)

Built specifically for expanding landlords managing 3 or more properties. If your portfolio is growing and the paperwork is piling up, this package takes the administrative burden completely off your hands.

► Everything in the Essential Package You receive comprehensive preparation of your Property Accounts, your full Self-Assessment tax return, allowable expense optimisation, and year-round proactive support from our dedicated team.

► Multi-Property Financial Apportionment Managing multiple yields requires precise financial structuring.

Individual Property Tracking: We separate and track the income and expenses for each specific property within your portfolio, so you can see exactly which houses are highly profitable and which are draining your cash flow.

Complex Expense Allocation: We accurately apportion shared portfolio expenses across your properties, ensuring your tax declarations are mathematically flawless.

► Ongoing Cloud Software Support As your portfolio grows, your financial tools need to keep up.

Digital Record Keeping: We provide ongoing guidance for your cloud accounting software, helping you track rental arrears, manage digital receipts, and connect your bank feeds flawlessly.

The MTD Ready Package (£75/month)

Total peace of mind ahead of the April 2026 mandate. Designed specifically for property investors with a combined gross income over £50,000, or highly proactive landlords looking to volunteer for Making Tax Digital early.

► Everything in the Portfolio Package You receive full multi-property Annual Accounts preparation, your complete year-end tax calculations, complex expense tracking, and ongoing expert support.

► Making Tax Digital (MTD) Quarterly Submissions We handle the complete transition to HMRC’s mandatory new digital tax system so you do not have to lift a finger.

Quarterly Digital Updates: Instead of one annual return, HMRC now requires quarterly digital submissions. We process and submit these mandatory rental income and expense updates on your behalf every three months.

Final Declaration (EOPS): At the end of the tax year, we seamlessly process your End of Period Statement and Final Declaration, tying all your quarterly updates into one legally compliant final tax bill.

► Dedicated MTD Cloud Software Setup Navigating new HMRC property software requirements can be daunting. We make it effortless.

Full Digital Onboarding: We fully migrate your property finances onto approved, industry-leading cloud accounting software (such as Xero) tailored specifically for the new MTD for ITSA property rules.

Automated Receipt Capture: We help you implement automated receipt capturing tools, meaning you can simply snap a photo of a plumber’s invoice and have it instantly recorded, drastically reducing your administrative hours.