Property Accountants

Welcome to Butt Miller, accountants for landlords and property investors

At Butt Miller, our dedicated team of property accountants helps landlords, commercial property developers and property investors. If you invest in any kind of UK property, whether it’s buy-to-let or a broader portfolio, we’re here to help keep your financial position clear and stable.

We have in-depth knowledge of UK property tax and can offer practical advice for your complete reassurance. Not only can we help you stay compliant with HMRC rules, but we can also ensure you make all available deductions to maximise your rental income or investment profits.

Our advice is grounded in experience, supported by clear reasoning, and comes from many years of working with business owners like you.

Find out more about us.

Why do I need a property accountant?

UK property tax has changed significantly over the past decade, so it’s important to have a specialist property accountant who can keep you compliant and also avoid paying too much tax.

Notable changes in recent years include reforms to mortgage interest relief. Landlords can no longer deduct mortgage interest from their rental profits; instead, it’s treated as a 20% tax credit. There have also been significant updates to Stamp Duty Land Tax over the past decade, including threshold shifts, new reliefs, and various surcharges.

The next big shift is the transition to Making Tax Digital for income tax in April 2026, which requires property business owners with qualifying income over £50,000* to keep and submit digital records via the self-assessment tax return system.

Keeping up to date matters because errors, however small, can invite HMRC scrutiny and dilute rental income due to penalties and missed tax savings.

The specialist property accountants at Butt Miller have a firm grasp on the tax landscape for property investors and can help you reduce risk, save tax where allowed, and avoid common mistakes.

*which will decrease to £30,000 in April 2027 and is expected to reduce to £20,000 at an as yet unlegislated date.

Our accounting services for landlords and property owners

Bookkeeping and digital record keeping

Landlords often tell us that keeping on top of admin is one of the most draining parts of running a property business. With mortgage interest, service charges, repairs, agent fees, insurance and utilities all flowing through at different times, records can quickly become out of control. And once accounts fall behind, it becomes harder to monitor cash flow and plan your next move.

We can keep that side of your business organised for you, so your numbers are clean, accurate and ready whenever you need them. We use cloud accounting tools such as Xero, giving you clear, up-to-date figures at a glance.

What we take care of:

• Categorising and reconciling all property-related transactions

• Keeping records accurate and ready for tax submissions

• Setting up and maintaining Xero or other cloud systems

• Preparing figures lenders often require for refinancing

• Keeping your books consistent across multiple properties

• Highlighting anomalies or trends that may need attention

• Digitising your records in preparation for Making Tax Digital for income tax

More on bookkeeping

Property tax advice and planning

Most landlords reach a point where tax becomes one of their biggest concerns. As your portfolio grows, every buying, selling, refinancing or transfer decision carries a tax consequence. Our job is to remove the uncertainty.

We go beyond basic tax compliance to look at the broader picture: how each property fits within your long-term plans, how different taxes interact, and how your choices affect everything from Income Tax and Corporation Tax to Capital Gains Tax, VAT and Inheritance Tax. By explaining these areas clearly, we help you avoid unnecessary tax bills and stay ahead of problems before they arise.

How we help:

• Explain the tax impact of buying, selling or refinancing

• Identify opportunities to reduce Capital Gains Tax

• Clarify which costs qualify as repairs vs. improvements

• Review your estate to minimise future Inheritance Tax (see more on our Estate Planning services)

• Map out the tax consequences of transferring property to family

• Provide ongoing, proactive planning as your portfolio evolves

Structuring advice for property ownership

At some stage, most landlords start questioning whether their portfolio should be held personally or through a limited company. It’s a major decision, and the financial consequences can be significant if you incorporate at the wrong time. We help you understand the real impact of each route so you can make informed choices.

For some investors, a limited company offers efficiency and flexibility. For others, personal ownership remains the best option. What matters is understanding how each structure affects tax, cash flow and long-term planning.

Our structuring support includes:

• Assessing whether a limited company is the right route

• Explaining the tax differences between personal and company ownership

• Calculating potential SDLT and Capital Gains liabilities

• Planning future purchases to avoid unnecessary tax charges

• Advising on incorporation and restructuring options

• Ensuring your chosen structure supports long-term goals

See more about our business advisory services

Choose Butt Miller as your UK property accountants

For property investments, you need expert advice that is straightforward, considered and rooted in experience. That’s exactly what Butt Miler offers.

We act for landlords, property investors, property developers and companies operating across the UK property market, from our base in Surrey. We understand how the sector works and how to help clients plan for both short-term decisions and long-term strategy.

Our approach is collaborative. We listen, understand your goals and shape the accounting and tax support around you. Whether you want to build wealth, manage risk, stay compliant or simply gain clarity, you will have an expert team at your side.

If you would like expert tax advice tailored to the property sector, please get in touch.