HMRC-registered landlord tax specialists serving Edinburgh property owners. Self-Assessment, Section 24 planning, MTD compliance and capital gains, from a fixed monthly fee.
Landlord Accountant in Edinburgh
Edinburgh has Scotland's highest-value buy-to-let market and one of the UK's most active regional markets, with very strong rental demand across EH1, EH2 and EH3 from city-centre professionals working in the substantial commercial cluster (the financial services cluster including RBS, Lloyds and Standard Life), the substantial student-let trade supporting the University of Edinburgh and Heriot-Watt, the New Town and Old Town conservation-area let market, and city-centre tower BTL across the substantial Edinburgh St James and Haymarket regeneration. Many Edinburgh landlords hold premium-value properties and face the full complexity of the modern landlord tax landscape: Section 24 mortgage interest restrictions are particularly punishing given typical EH1, EH2 and EH3 mortgage balances, Making Tax Digital is now live for landlords with income over £50,000, and capital gains exposure on long-held Edinburgh properties is often very substantial indeed. Note that Scottish-resident landlords are subject to the Scottish Rate of Income Tax (SRIT), with different bands and rates than the rest of the UK. Edinburgh's August Festivals also create a long-running short-let market that has its own tax treatment considerations following the abolition of the FHL regime in April 2025.
Your Tax Help Accountants, HMRC-registered, handles all aspects of landlord tax for Edinburgh property owners across EH1, EH2 and EH3. Self-Assessment, Section 24 planning, MTD compliance, capital gains tax and incorporation advice, all at a fixed monthly fee with same-day filing available when it matters.
💡 As an HMRC-registered agent, we deal with HMRC directly on your behalf, filing returns, managing compliance and advising on strategies to reduce your landlord tax burden legally and permanently.
What We Handle
Full SA100 covering all rental income, allowable expenses, Section 24 credits and any other income, maximising every legitimate deduction.
Exact calculation of the mortgage interest restriction on your Edinburgh portfolio and clear advice on strategies to minimise the tax impact.
Full MTD setup, quarterly digital submissions to HMRC and annual declaration, all handled from day one as part of your service.
60-day CGT returns filed accurately on sale, all reliefs applied and advance planning to minimise your liability before you sell.
Clear, numbers-based advice on whether moving your Edinburgh portfolio into a limited company would save you tax, modelled for your specific circumstances.
Annual or quarterly statements showing rental income, expenses, net profit and tax position across your full portfolio, keeping you in full control.
Section 24 has significantly increased tax bills for higher-rate Edinburgh landlords. Book a free call and we will calculate the exact impact on your portfolio and identify your best options.
📅 Get Your Free Section 24 ReviewReal Client Story
Client L owns four high-value rental properties across central Edinburgh, including two New Town converted-tenement flats, one Old Town apartment used historically as a Festival short-let, and a Marchmont student-let HMO. When they came to us they were declaring rental income on Self-Assessment as a Scottish-resident sole landlord, being hit very hard by Section 24 (compounded by Scottish higher-rate bands), juggling the post-FHL tax treatment of the Old Town Festival-let property, and acutely aware of the substantial latent CGT exposure across the portfolio. Their effective tax rate on the portfolio was sitting around 44 per cent of net rental income once the disallowed mortgage interest was factored in, and they had never had a proper conversation about whether their structure suited their portfolio size.
We modelled the position of incorporating the portfolio into a Property Investment Company against keeping it personal. The incorporation had transfer costs (Capital Gains Tax on the latent gains and Stamp Duty Land Tax including the Additional Dwelling Supplement) of around £82,000 upfront. Against that, the ongoing tax saving from full mortgage interest deductibility inside the company plus Corporation Tax rates substantially lower than their higher-rate income tax was around £26,800 a year. The breakeven was just over three years.
Outcome: ongoing tax saving of around £26,800 a year going forward, a Section 24 problem that no longer exists inside the corporate structure, a substantially improved Inheritance Tax position compared with holding the portfolio personally, and a structure now ready to absorb future portfolio growth without the headwind of the mortgage interest restriction.
Why Your Tax Help Accountants
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Landlord Tax Questions Answered
No obligation. No jargon. A straightforward conversation about your Edinburgh rental portfolio and how we can reduce your tax bill and keep you fully compliant.
Office: 020 8050 4564 | Mobile: 07478 645331 | info@yourtaxhelp.co.uk
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