Landlord & Property Tax · Yorkshire
Landlord accountants in Bradford
Owning rental property in Bradford means a UK property return every January, mortgage interest that is no longer deductible but a 20% credit, and from April 2026 quarterly digital updates for landlords with higher rental income. We handle all of it online, reconcile every agent statement, and file once you have approved the figures. One fixed fee.
from £149 · fixed, per year
Next deadlines
- UK residential property disposals: CGT return and payment within 60 days of completion
- UK residential property disposals: CGT return and payment within 60 days of completion
- Online Self Assessment filing deadline and balancing payment due
- UK residential property disposals: CGT return and payment within 60 days of completion
Who this is for
Landlord & Property Tax for Bradford
Residential and commercial landlords in Bradford: accidental landlords renting a former home, buy-to-let investors with one to several mortgaged properties, portfolio landlords, joint owners and couples, owners of furnished holiday lets and serviced accommodation, overseas landlords with UK rentals, and anyone who has let a property for years without declaring it and wants to put it right.
What is included
Everything inside the fixed fee
- Rental income and expenses for each property reconciled to agent statements and bank records
- Allowable expenses claimed in full: repairs, insurance, agent fees, ground rent, service charges, replacement of domestic items
- Mortgage interest handled correctly as a 20% tax credit, not a deduction, with the restriction carried forward where it cannot be used
- Joint ownership splits, Form 17 elections and the property allowance applied where they help
- Furnished holiday lets, serviced accommodation and rent-a-room treated under the rules now in force
- UK property pages of the Self Assessment completed and filed, with Making Tax Digital readiness assessed
How it works
Landlord & Property Tax from Bradford, step by step
Scope the job
We find out what you need filed, when it is due and what state the records are in, and tell you which fixed-fee package applies.
Agree the price
The fee is confirmed in writing. There is no hourly billing and nothing added for questions during the work.
Hand over the records
Photographs, PDFs, software access or a spreadsheet, sent however suits you. We confirm what we have and what is missing within two working days.
Approve, then we submit
You review the draft with our explanation, sign off, and we file. Receipts, copies and the next deadlines come back to you immediately.
Why IGI
The IGI way of working, in Bradford
The price for landlord & property tax is published on this page and is what a client in Bradford pays. We confirm it in writing first, and the invoice matches the quote.
Nothing for Bradford is left to the last week. Each deadline relevant to landlord & property tax is tracked from the day you join, with the next four shown on every page we send you.
No appointments, no travel across Yorkshire, no parking. Everything for landlord & property tax in Bradford happens online, with a real person on the other end during UK working hours.
A named person handles your landlord & property tax from Bradford and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Bradford clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for landlord & property tax.
Nothing is filed for Bradford until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Bradford
Bradford is in Yorkshire, in the BD1 postcode district, England. For businesses in England the tax rules are those set by the UK Parliament: the 20/40/45% income tax bands, Class 4 National Insurance for the self-employed at 6% and 2%, Corporation Tax at 19% to 25%, and Stamp Duty Land Tax on property. Business rates are set locally by the council.
| Place | Distance | Direction |
|---|---|---|
| Eastbrook, Bradford | 0.3 mi | E |
| Wapping, Bradford | 0.4 mi | NE |
| Barkerend | 0.6 mi | E |
| Broomfields, Yorkshire | 0.6 mi | S |
| Pollard Park | 0.7 mi | E |
| Hill Side Villas | 0.7 mi | NE |
| Leeds, New | 0.8 mi | SE |
| New Leeds | 0.8 mi | SE |
Worth knowing
Rules that come up in this work
Corporation Tax rates and marginal relief
Corporation Tax is not a flat rate. Profits to £50,000 pay 19%, profits above £250,000 pay 25%, and the band between is taxed at an effective marginal rate of 26.5% through the marginal relief mechanism. Associated companies share the thresholds, which catches directors who own more than one company and is the most common cause of underpaid tax in owner-managed groups.
The VAT registration threshold
Watching the rolling twelve-month turnover figure is one of the quiet jobs of monthly bookkeeping, because the £90,000 VAT threshold arrives silently. Crossing it brings quarterly returns, Making Tax Digital software and a decision about schemes. Crossing it late brings a bill for VAT you could not recover from customers and a penalty for failing to notify.
Director's loan accounts
A director's loan account records money moving between a director and the company that is not salary or dividend. If the director owes the company money nine months and one day after the year end, the company pays section 455 tax at 35.75% of the balance, refundable only when the loan is repaid. Loans over £10,000 are also a benefit in kind unless interest is charged at HMRC's official rate.
Salary versus dividends
Paying yourself from a company involves two routes with different tax treatment. Salary through payroll is a company expense and builds a National Insurance record; dividends come from post-tax profit at lower personal rates. Undocumented drawings that are neither become director's loans, with a 35.75% section 455 charge if not repaid within nine months of the year end.
Payments on account
Payments on account catch out most people in their second year of self-employment. HMRC assumes next year's tax will match this year's and collects half in January and half in July, in advance, on top of the balancing payment. If profits are dropping you can apply to reduce them, but reducing them too far attracts interest. We calculate the right figure rather than guessing.
The Self Assessment calendar
The tax year runs from 6 April to 5 April. Anyone new to Self Assessment must register by 5 October after the end of the tax year in which their untaxed income began. The online return and the balancing payment are due by 31 January, with a second payment on account on 31 July where they apply. Paper returns have an earlier deadline of 31 October and are rarely sensible.
Making Tax Digital for Income Tax
MTD for Income Tax replaces one annual return with quarterly digital updates and a year-end declaration, submitted from software. The threshold is gross trading and property income, measured two years earlier, and started at £50,000 in April 2026 before falling to £30,000 in April 2027. Anyone affected needs digital record keeping in place before their start date, not after.
Questions
Landlord & Property Tax questions from Bradford
I live abroad and rent out a UK property. Do I still pay UK tax?
Yes. UK rental income is taxed in the UK regardless of your residence, with the personal allowance available to most non-residents. Letting agents or tenants must deduct 20% at source unless you are approved under the Non-Resident Landlord Scheme to receive rent gross. We handle the approval and the annual return.
Should I put my properties into a limited company?
Sometimes. A company deducts mortgage interest in full and pays Corporation Tax at 19% to 25%, but extracting profit costs dividend tax, mortgages are dearer and transferring existing properties triggers CGT and SDLT. It suits higher-rate taxpayers building a portfolio long term; it rarely suits one or two properties. Our tax planning review runs the numbers.
I have been letting for years and never declared it. What now?
HMRC's Let Property Campaign allows landlords to disclose undeclared rental income with lower penalties than if HMRC finds it, which with data from letting agents, deposit schemes and councils it increasingly does. We quantify the undeclared years, prepare the disclosure and negotiate the settlement. Acting first is always cheaper.
I rent out a room in my own home. Is that taxable?
Rent-a-room relief exempts the first £7,500 a year of income from letting furnished accommodation in your main home, or £3,750 each if the income is shared. Above that you can pay tax on the excess over £7,500 or on actual profit. Lodgers, Airbnb rooms and short-term lets of a room all qualify.
Is replacing a kitchen a repair or an improvement?
Replacing like with like, or with the modern equivalent, is a repair and deductible, even if the new kitchen is better quality because standards have risen. Adding something that was not there before, such as extending the kitchen or adding a dishwasher space, is an improvement and goes against the capital gain instead. We split mixed invoices.
What expenses can I claim?
Letting agent fees, repairs and maintenance, buildings and contents insurance, ground rent and service charges, council tax and utilities you pay, accountancy, legal fees for lets of a year or less, replacing furniture and appliances, mileage to the property, and advertising. Improvements, your own labour and the capital part of mortgage payments are not allowable.
How do I get started from Bradford?
Message us on WhatsApp or email with a sentence about your business and what you need. We reply in working hours with any questions and a fixed fee for landlord & property tax. Once you confirm, we tell you exactly which records to send and the work begins. Most Bradford clients are set up within a day.
Which deadlines matter most for landlord & property tax?
The next four dates that apply to landlord & property tax are shown at the top of this page, calculated from today. For Bradford clients we diarise every one of them from the day you join and send reminders before each, so the work is done in good time rather than in the last week before a penalty.
Start the conversation from Bradford
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.