For Individuals · Landlords
Direct answer: whether you hold one rental property in your own name or several through a limited company, FinPilot handles the rental accounts, self assessment or corporation tax, and Companies House compliance that comes with it — on a fixed, fair fee.
A landlord with one or two properties held personally has straightforward, low-volume affairs — bookkeeping and an annual self assessment return, reflecting rental income, mortgage-interest restriction and allowable expenses correctly. Many landlords with larger portfolios have incorporated into a limited company (an SPV) for tax reasons — that's a different, Ltd-company-shaped job: full bookkeeping, annual accounts, corporation tax and Companies House filing. We work with landlords at either stage, and can talk through whether incorporating makes sense for your specific numbers if you haven't decided yet.
Not legally for a single property, but most landlords benefit from one once rental income, mortgage-interest restrictions and allowable expenses need calculating correctly each year — and it becomes far more valuable once Making Tax Digital for Income Tax applies.
If your gross rental (and any self-employment) income is over £50,000 it already applies; from 6 April 2027 the threshold drops to £30,000, bringing in a much larger group of landlords who'll need to keep digital records and submit quarterly, not just file once a year.
Many landlords with more than one or two properties have incorporated for tax reasons following the mortgage-interest-relief changes — whether it's right for you depends on your specific numbers, and it's worth a proper conversation rather than a generic answer.
Yes — every director of a limited company, including a landlord's own SPV, needs to verify their identity with Companies House, with the transition window for existing directors closing 18 November 2026.
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