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Lera Accountancy

Lera Accountancy

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Accounts for landlords & property investors

We are property & landlord accounting experts

The UK property market remains a cornerstone of personal and institutional investment, attracting landlords and property investors across residential, commercial, and mixed-use sectors. Whether managing a single buy-to-let property or a diversified portfolio, property investment offers long-term financial potential, rental income, and capital growth.

However, the regulatory and tax landscape has become increasingly complex in recent years, with changes to mortgage interest relief, stamp duty, and the introduction of Making Tax Digital (MTD) for Income Tax. This evolving environment highlights the importance of specialist accounting services tailored to the unique demands of property ownership and investment.

Our property & landlord accounting service

  • Your own dedicated chartered accountant with industry specific advice & support
  • Financial business support
  • Access to our accounting software
  • Tax & advisory service
  • Accounts and statutory compliance
  • Payroll setup & management
  • VAT returns setup & management
  • CIS compliance

We provide provide specialist services for landlords & property investors including:

  • ​Private landlords​
  • Property development companies​
  • Property lettings companies
  • CIS contractors

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Request a call back by completing the form below, or start chatting to our team on WhatsApp.


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What challenges do property investors and landlords face?

Landlords and property investors in the UK face a number of financial, legislative, and operational challenges, including:

  • Cash flow management – Irregular rental income, maintenance costs, and mortgage repayments can make budgeting and forecasting challenging.
  • Tax changes – The phased removal of mortgage interest relief and tightening of allowable deductions have affected many landlords’ profit margins.
  • Regulatory compliance – Ongoing changes in property legislation, such as energy efficiency standards and licensing schemes, add complexity and cost.
  • Capital Gains & Inheritance Tax planning – Property assets can trigger significant tax liabilities without proper planning.
  • Bookkeeping requirements – MTD for Income Tax requires digital record-keeping and quarterly submissions, increasing administrative burdens.
  • Incorporation & structuring decisions – Determining whether to hold properties personally or via a limited company affects tax, financing, and future planning.

How do we meet these challenges?

Our specialist services for landlords and property investors offer tailored solutions to meet these challenges and maximise financial returns including:

  • Succession planning – Helping clients protect and pass on property wealth through effective estate planning and trust advice.
  • Tax planning & compliance – Advising on the most tax-efficient ownership structure (personal, joint, or corporate), ensuring compliance with income, capital gains, and inheritance tax obligations.
  • Property-specific bookkeeping – Managing digital records in line with MTD requirements, categorising income and expenses per property for accurate reporting.
  • Rental profit & loss tracking – Producing clear, property-by-property financial reports to monitor performance and plan for improvements.
  • Incorporation advice – Evaluating the pros and cons of transferring property portfolios into a limited company, including stamp duty and capital gains implications.
  • Capital allowances & reliefs – Identifying opportunities to claim available reliefs, including wear and tear or capital allowances on furnished holiday lets and commercial property.
  • Mortgage & finance strategy support – Working with brokers and lenders to optimise borrowing structures and align with tax efficiency.

Our locations

We deliver our services online and over the phone; however, we also offer face-to-face meetings in the following locations.

Worcester

Oxford

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