Landlord & Property Tax · South West London
Landlord accountants in Eel Pie Island
Landlords in Eel Pie Island come to us for the rental accounts that get the detail right: the difference between a repair and an improvement, the replacement of domestic items relief, the correct split of jointly owned income, and the finance-cost restriction that catches higher-rate taxpayers. Fixed fees across South West London, nothing filed until you approve.
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 Eel Pie Island
Residential and commercial landlords in Eel Pie Island: 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 Eel Pie Island, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
The IGI way of working, in Eel Pie Island
No hourly rate and no surprise invoice. Eel Pie Island clients know the fee for landlord & property tax before they send a single document, and it stays fixed.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Eel Pie Island get reminders at 60, 30 and 7 days before each date that applies to landlord & property tax.
We serve Eel Pie Island remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for landlord & property tax.
A named person handles your landlord & property tax from Eel Pie Island and knows the file, so you are not re-explaining your business to a different helpdesk each time.
We explain landlord & property tax in the words Eel Pie Island business owners use, not in accountant's shorthand, and we show our working so you can check it.
Nothing is filed for Eel Pie Island 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 Eel Pie Island
Eel Pie Island is in South West London, within Richmond upon Thames, in the TW1 postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Twickenham | 0.2 mi | NW |
| Twickenham Riverside | 0.5 mi | NE |
| South Twickenham | 0.7 mi | SW |
| St. Margarets and North Twickenham | 0.7 mi | N |
| Twickenham Green | 0.8 mi | W |
| Strawberry Hill | 0.8 mi | SW |
| St Margarets, Richmond upon Thames | 0.8 mi | N |
| Richmond, Richmond upon Thames | 0.8 mi | E |
Worth knowing
Rules that come up in this work
Salary versus dividends
Directors of their own companies usually take a salary at or just above the National Insurance thresholds, which keeps the year qualifying for State Pension and is deductible for Corporation Tax, with further income as dividends. Dividends above the £500 allowance are taxed at 10.75%, 35.75% and 39.35% by band and can only be paid from distributable profits after tax, with a minute and voucher each time.
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.
The VAT registration threshold
The £90,000 VAT threshold is measured over any twelve consecutive months, which is why a strong quarter can tip a business over unexpectedly. Registration must follow within thirty days of the end of the month the threshold was crossed. Below the threshold, voluntary registration is worth considering when customers are VAT-registered businesses and costs carry VAT.
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.
Late filing penalties
Lateness is expensive in a way that compounds. For individuals, £100 immediately, then daily penalties, then percentage-based ones at six and twelve months, with interest running on unpaid tax throughout. For companies, Companies House penalties scale with delay and double on repeat, and HMRC adds its own for a late CT600. Filing on time is the cheapest tax planning there is.
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.
The Self Assessment calendar
Four dates govern Self Assessment: 5 October to register, 31 October for paper returns, 31 January to file online and pay, and 31 July for the second payment on account. Missing the January date triggers an automatic £100 penalty before any tax is even considered, so we treat it as the fixed point around which the rest of the year is planned.
Questions
Landlord & Property Tax questions from Eel Pie Island
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 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.
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.
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 is included in the £149 one-property fee?
The rental income and expenditure account for the property, a review of every expense category, the finance-cost credit calculation, the UK property pages and the rest of your Self Assessment return completed and filed with HMRC. Rental income alongside employment or a pension is the most common case and this fee covers it.
How is mortgage interest treated now?
Since April 2020 individual landlords cannot deduct mortgage interest or other finance costs from rental profit. Instead you receive a tax reduction of 20% of the finance costs. For higher-rate taxpayers this means more tax than under the old rules, and the restriction can push rental profit into a higher band. We calculate it and carry forward any unused credit.
Do you have an office in Eel Pie Island?
No. IGI Accounting is an online-only firm. We serve Eel Pie Island and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for landlord & property tax is the same in Eel Pie Island as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is landlord & property tax in Eel Pie Island really the same price as elsewhere?
Yes. The fee published on this page is what a client in Eel Pie Island pays and what a client in any other part of England pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
One message from Eel Pie Island, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.