Landlord Accounting Packages
in Chester
As the proactive accountants Chester property investors trust, we deliver expert accountancy for local landlords. 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 protected against active HMRC digital tax mandates.
Transparent, Fixed-Fee
Landlord Packages
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 across Chester, Wirral, and Liverpool.
Whether you are managing a single buy-to-let, scaling a larger portfolio, or preparing for mandatory Making Tax Digital (MTD for ITSA) reporting (£50,000+ qualifying gross income live mandate, and £30,000+ preparing for April 2027), choose the ideal tier for your property business below.
Landlord Tax Guarantee: Flat Rates — No VAT Charged On Our Fees
Maximise Your Net Rental Yield: Because residential landlords cannot reclaim VAT on accountancy fees, standard practices charging VAT cost you an extra 20% out-of-pocket. At Phillips & Co, a £95/month Portfolio package costs exactly £95—protecting your rental cash flow.
Essential
1 to 2 Rental Properties
- ✓ Annual property accounts for 1 to 2 rental units
- ✓ One full Self-Assessment tax return (SA105)
- ✓ Section 24 mortgage finance relief computation
- ✓ Maximisation of allowable repairs & renewals
Portfolio
3 to 5 Rental Properties
- ✓ Annual property accounts for 3 to 5 rental units
- ✓ Includes all features from our Essential package
- ✓ Integration with your cloud software (e.g. Xero)
- ✓ Ongoing portfolio tax efficiency & SPV reviews
MTD Compliant
Gross Income Over £50k / £30k
- ✓ Includes all features from Portfolio tier
- ✓ 4x Quarterly MTD digital update submissions
- ✓ Year-End Final Declaration preparation & filing
- ✓ Complete digital record-keeping audit protection
Expanding Portfolios (6+ Properties)
Managing a larger portfolio? We keep pricing completely transparent with zero hidden fees:
- First 5 Properties: Covered under our standard Portfolio Package (£95/month).
- Each Additional Property: Simply add +£15/month (No VAT) per additional rental unit.
- Example: A 7-property portfolio is £125/month (£95 base + £30 for 2 additional units).
Jointly Owned Properties (Spouses & Partners)
Our standard packages include one primary Self-Assessment tax return. If your rental properties are jointly owned with a spouse or partner and require a second return filed with HMRC, a discounted joint-filer add-on applies (+£15/month or £150/year).
Property Types & Operational Scope
Our standard package fees apply to residential Assured Shorthold Tenancies (ASTs) and standard long-term private lets.
Add +£15/month per HMO property to cover multi-room tenancy tracking, room-by-room reconciliations, and utility allocations.
Quoted transparently based on monthly booking volume, cleaning turnovers, and channel manager/platform integrations.
Section 24 Tax Comparison —
Personal Ownership vs. SPV Limited Company
HMRC’s Section 24 rules restrict mortgage interest tax relief for individual landlords across Chester, Wirral, and Liverpool. Compare your estimated personal tax liability against operating through a dedicated Property Limited Company (SPV).
Mortgage interest is not deductible as an expense; only a restricted 20% basic tax credit applies.
Mortgage interest is 100% deductible as a legitimate commercial expense before Corporation Tax.
*Estimates illustrate pre-tax profit sheltering within an SPV corporate wrapper for debt repayment or deposit reinvestment. Personal dividend taxes apply if funds are drawn as personal income. Consult our ACCA team for exact numerical modelling tailored to your wider earnings.
Thinking of Using a Limited Company
for Your Properties?
With Section 24 mortgage interest relief restrictions fully in effect, buy-to-let investors across Chester, Wirral, and Liverpool are increasingly holding and expanding their property portfolios through a Limited Company Special Purpose Vehicle (SPV).
Operating through an SPV allows you to deduct 100% of your mortgage finance costs as a legitimate business expense and pay Corporation Tax (from 19%) rather than higher-rate personal Income Tax. However, moving existing properties requires careful commercial appraisal of Stamp Duty Land Tax (SDLT) and Capital Gains Tax (CGT).
Need Advice? Tax Efficiency Review
Book our dedicated Tax Efficiency Review for £250 (No VAT). We calculate the exact figures across your portfolio to determine whether an SPV structure genuinely saves you money after accounting for refinancing, legal, and transfer costs.
Ready to Incorporate? SPV Formation
We handle the complete statutory incorporation of your property SPV, establishing the precise specialist SIC codes (68100, 68209) required by buy-to-let mortgage lenders to secure commercial property finance.
Already Have an SPV?
We provide dedicated corporate property accounting tailored to your company's actual transaction volume and operational scale:
Holding SPV / Baseline
Designed for holding companies or SPVs managing a single rental property with standard mortgage financing and low transaction volumes.
- ✓ Full CT600 Corporation Tax return preparation
- ✓ Statutory year-end annual accounts & balance sheet
- ✓ Annual Confirmation Statement preparation
- ✓ Proactive statutory deadline management
Active / Multi-Asset SPV
Designed for active property SPVs managing multiple tenancies, ongoing refurbishments, or multi-lender finance facilities.
- ✓ Includes all baseline statutory SPV compliance
- ✓ Multiple rental tenancy reconciliations
- ✓ Ongoing contractor expenditure reviews
- ✓ Director loan account & capital tracking
Important Property & Tax Information
Property Sales & Capital Gains Tax (60-Day Returns)
Annual accounts and Self-Assessment returns include year-end disposal declarations. However, HMRC’s mandatory 60-Day UK Property CGT Return (required within 60 days of legal completion for residential property disposals) is a separate real-time filing service. Standalone 60-day CGT calculations and filings start from £350 per disposal (No VAT).
100% Data Ownership & Software Licensing
Subscriptions to cloud accounting software (e.g. Xero) are held directly in your name, guaranteeing 100% legal ownership of your financial records and eliminating accountant platform lock-in.
Bookkeeping Standards & Reconciliation Quality
Fixed-fee packages assume digital records and rental statements are reconciled prior to submission. If accounts require significant historical catch-up or unreconciled bank ledgers need clean-up, a transparent Bookkeeping Rescue fee will be agreed upfront.
In-Depth Package Breakdowns:
Exactly What You Get
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 across Chester, Wirral, and Liverpool with zero added VAT. Explore the comprehensive breakdowns below to see exactly how much administrative heavy lifting we manage at every tier.
The Essential Package
The perfect core compliance package for accidental landlords or investors managing 1 to 2 rental properties who want absolute peace of mind, allowable expense maximisation, and zero surprise tax bills.
Comprehensive Property Accounts Preparation
- Allowable Expense Optimisation: We meticulously examine your annual rental receipts and invoices, ensuring you claim every allowable deduction—from letting agent fees, insurance, and landlord licensing to genuine repairs, renewals, and ground rent.
- Section 24 Finance Relief: We calculate your exact position under Section 24 finance cost rules, ensuring your statutory 20% basic rate tax reducer is applied accurately to eliminate overpayments.
Self-Assessment Tax Return (SA100 & SA105)
- Tax Liability Calculation: We calculate your exact Income Tax liability, seamlessly integrating your net rental profits alongside PAYE salaries, dividends, and interest income.
- HMRC Filing & Tax Summary: We prepare and submit your full Self-Assessment return (including the SA105 property schedule) directly to HMRC, providing clear payment advice and advance notice of upcoming deadlines.
Year-Round Proactive Support & Representation
- Dedicated Property Accountant: Direct access to an ACCA property tax specialist who understands the Chester, Wirral, and Liverpool rental markets and provides plain-English advice whenever questions arise.
- Deadline Management & HMRC Liaison: We actively request your records well ahead of statutory deadlines and act as your authorized HMRC tax agent to handle official correspondence on your behalf.
The Portfolio Package
Built specifically for expanding landlords managing 3 to 5 rental properties. (Portfolios of 6+ properties: Add £15/month per additional rental unit).
Multi-Property Financial Apportionment
- Unit-by-Unit Financial Tracking: We separate and track income and expenditures for each individual rental property, giving you transparent visibility into real net yields across your portfolio.
- Shared Expenditure Allocation: We accurately apportion portfolio-wide overheads, landlord insurance policies, and professional fees across separate property records to ensure strict compliance.
Cloud Integration & Portfolio Scaling
- Digital Record Keeping: We link our systems directly to your cloud software (e.g. Xero or FreeAgent), ensuring bank feeds reconcile cleanly while you retain 100% legal ownership of your data.
- Predictable Growth Scaling: Seamlessly integrate new buy-to-let acquisitions into your package with transparent +£15/month (No VAT) per-unit scaling.
The MTD Compliant Package
Total compliance with statutory HMRC digital reporting. Designed specifically for landlords with qualifying gross rental income over £50,000 who are legally bound by Making Tax Digital for ITSA, and proactive investors over £30,000 securing their software ahead of the April 2027 mandate.
Making Tax Digital (MTD) Quarterly Submissions
- Quarterly Digital Updates: Instead of a single retrospective return, we review, reconcile, and submit your mandatory digital property income and expense summaries to HMRC every three months.
- Year-End Final Declaration: Following the tax year-end, we process your Final Declaration—reconciling all four quarterly updates and accounting adjustments into your definitive tax computation.
Dedicated MTD Digital Integration & Audit Trail
- Compliant Digital Linking: We connect HMRC-approved filing systems to your direct cloud software subscription (such as Xero), fulfilling all digital linking rules while keeping your records completely under your control.
- Automated Receipt Workflow: We assist you in establishing automated digital receipt capture tools, allowing you to record contractor invoices on the go and eliminate manual paperwork.
Ready to Optimise Your Property Portfolio Tax?
Across Chester, Wirral & Liverpool
Whether you own a single buy-to-let, operate through a dedicated property SPV, or need seamless compliance for mandatory MTD for ITSA digital reporting—we make property accounting transparent, tax-efficient, and stress-free with zero added VAT.