Landlord Accounting Packages in Chester
Expert accountancy for Chester landlords and property investors. Whether you own a single buy-to-let or a large property portfolio, our fixed-fee monthly packages keep you compliant, tax-efficient, and fully prepared for HMRC’s upcoming digital tax changes.
Maximise Your Rental Yields & Stay HMRC Compliant
Managing property income shouldn’t mean spending your weekends buried in spreadsheets or worrying about unexpected tax bills.
At Phillips & Co, we specialise in helping Chester landlords navigate the increasingly complex world of property tax. Our tailored monthly packages are designed to give you complete peace of mind. We ensure every allowable expense is claimed to maximise your returns, while keeping you strictly compliant with HMRC regulations.
Getting Ready for Making Tax Digital (MTD)
With HMRC’s Making Tax Digital for Income Tax launching in April 2026, landlords earning over £50,000 annually will soon be required to keep digital records and submit quarterly updates. Our portfolio packages are built specifically to handle this transition for you seamlessly, using industry-leading cloud software to keep your records MTD-ready.
Explore our transparent, fixed-fee packages below to find the right level of support for your property business.
Please note: Cloud accounting software subscriptions (e.g., Xero) are not included in the package fees; these can be paid directly by you or managed by us and recharged at cost.
Essential
Covering Your Basics with Confidence- Preparation of Property Accounts (1-2 properties) ✓
- 1 x Individual Self-Assessment Tax Return ✓
- Dedicated Accountants & Expense Advice ✓
- Proactive HMRC Deadline Reminders ✓
Portfolio
For Growing Property Investments- All Essential Features ✓
- Preparation of Property Accounts (3+ properties) ✓
- Cloud Accounting Software Support (Xero) ✓
- Ongoing Email and Telephone Support ✓
MTD Ready
For Gross Incomes Over £50,000- All Portfolio Features ✓
- Quartley MTD Update Preparation & Filing ✓
- Year-End MTD Final Declaration ✓
- Dedicated MTD Tax & Software Planning ✓
Thinking of Using a Limited Company for Your Properties?
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).