Ltd or personal?
get advice on what's best for you.
Milton Keynes Chartered Accountants for landlords.
Landlords: don’t let HMRC eat your margins.
Rental income looks simple until the rules, restrictions and deadlines start draining it. We keep the filings right and the tax down, so the profit stays yours.
4.9 Google ratingFixed feesTax optimisedACCA regulated
Your portfolio
Compliant, every property
Filings, records, deadlines — all handled
Accounts
Reconciled
All properties
Tax returns
Filed early
Property pages
CGT on sales
Reported
Within deadlines
Next step
Portfolio review
Booked
Married?
income split between you both tax efficiently.
Airbnb income?
watch out for the VAT trap.
NRL scheme
sorted for landlords living abroad.
A Ltd company can save landlords tax.
But incorporating an existing portfolio has traps, and it isn't right for everyone. It needs the maths done properly.
Married couples have options.
Rental income can be shared between spouses to use both sets of allowances and tax bands. Done correctly, it cuts the household tax bill.
Living abroad doesn't end UK property tax.
Non-resident landlords still pay UK tax on UK rents, and may need to register under the NRL scheme.
Capital gains can be managed, not just paid.
Timing sales, using allowances and planning ahead can significantly reduce what you owe when you sell.
Who we help
Landlords —that we help.
Rental income of any kind? You're in the right place.
Single lets, multi-lets, HMOs, short-term and Airbnb lets. Whatever the setup, we know the rules that apply to it.
What nobody tells you
The landlord realitiesnobody warns you about.
Being a landlord looks passive from the outside. The tax rules, the admin and the deadlines tell a different story. Here's what most people never see.
The expenses aren't as generous as you'd think.
Mortgage interest restrictions and strict rules on what counts as a repair can push your tax bill up dramatically.
Rental income and cashflow rarely line up
Mortgages, void periods, repairs and tax payments all land at different times. Planning stops that hurting.
Property deadlines don't bend.
Self Assessment, CGT reporting windows, late penalties. Miss one and it costs you, automatically.
Personal or Ltd is a real question.
Each has different tax consequences, especially as the portfolio grows. And there's LLPs to think about too.
Simple record-keeping isn't simple.
Multiple properties, agents, statements and expenses make clean bookkeeping more demanding than anyone admits.
The long game decides your returns,
Selling, refinancing, moving abroad, inheritance. Each one changes your tax position, often dramatically.
Pull back the covers
Get a proper second opinion.
If you're wondering whether your current accountant is giving you the right advice, here's a low-risk way to find out.
Pull back the covers
2nd Opinion Package
£147
Refunded if you joinFixed feeFor existing business owners losing sleep wondering whether their accountant is giving them the right advice — and who want a proper deep dive into a specific issue.
Our promise
- A straight, honest verdict on the advice you're getting — no sugar-coating.
- We look for tax savings and profit opportunities you may be missing — and tell you straight if there aren't any.
- If it's complex, we'll be upfront about what deeper work would involve before you commit.
- Join us and the full £147 comes off your first fee.
- And if you don't feel the session was worth the fee, tell us and we'll refund it. No quibble.
We aim for the session to pay for itself many times over.
What you get
Everything a small business owner needs — under one roof.
Compliance handled, advice on tap, one firm that knows your whole position.
Essentials
Accounts, tax returns, bookkeeping, VAT and payroll, — the core work done properly, on time, every time.
Tax Protection & Planning
Proactive planning to minimise tax, tax enquiry fee protection available and dealing with HMRC so you don't have to.
Growth & Strategy
Regular numbers and practical advice on profit, pricing, margins, cashflow and the decisions that actually move the needle.
Perks & Bonuses
Extras to make life easier — such as free company formation, free mortgage references, independent legal advice lines & even free movie tickets (Conditions in FAQs)
Personal & Family Wealth
Inheritance tax and estate planning, plus a referral to a regulated IFA for anything investment-related.
Client Care
A dedicated accountant you can actually reach — clear replies, no minimum contract, deadline reminders, and someone who knows your business.
easyCHANGE service
Switching accountant iseasierthan you think.
Worried about the hassle? Don't be. You don't have to lift a finger or have an awkward conversation with your old accountant.
- 3simple steps
- 1short form from you
- £0switch fee
- You say yes One short form and a quick chat to get going.
- We handle the handover We handle the professional clearance process and request the information we need from your existing accountant.
- We get you set up Software, deadlines and your first numbers, usually within weeks.
Reassurance
No gap in your filings. No lost records. No awkward conversations — we do that bit.
Free review of your previous accountants’ work
We’ll dig into last year’s accounts and tax. If we spot major issues, overclaimed or underclaimed items or potential savings, we’ll explain them clearly — and help put things right.
Why you can trust us
Properly regulated.Properly guaranteed.
Here's exactly why it's important and in writing.
ACCA Certified
Independently regulated since 1995.
In the UK anyone can call themselves an "accountant". We're Certified Accountants — independently regulated, professionally insured, and held to the highest ethical standards.
Milton Keynes Certified Accountants Indemnity Cover £10M
If they're not regulated, you get…
- No guaranteed training
- No guaranteed regulation
- No guaranteed insurance
- No built-in consequences
We're different. We're Certified Accountants.
Why does that matter to you?
When it comes to your tax, your business, and your financial future, the person you choose is the difference between peace of mind and potential disaster.
01
Recognised by mortgage lenders
Many lenders require references from qualified accountants. Our credentials tick that box without question.
02
HMRC dealings are easier
When your accountant is properly qualified, regulated and supervised, HMRC takes the file seriously from the start — exactly what ACCA membership guarantees.
03
Independent quality checks
We're subject to ACCA practice reviews and ongoing regulatory oversight — not just our own word for it.
04
Right of complaint
If you ever have an issue (rare, but possible), you have access to an independent complaints process through the ACCA.
05
Independent AML regulation
The ACCA, not HMRC, oversees our anti-money-laundering compliance — supervised by an independent professional body.
Verify our membership in the official ACCA Directory of Certified Accountants
Why gamble your business on someone who isn't regulated?
The Tax & Beans Guarantee
What we'll put in writing.
We don't make vague promises about "great service". We put ours in writing— every clause, in plain English.
30 days free We fix it, full stop Full refund Clean break Parting gift
01
30 days free
For recurring work, your first month costs nothing. No invoice. No obligation. No awkward conversations if it's not for you.
Just a proper feel for what it's like to have a real accounting team behind you.
02
We fix it. Full stop.
If something isn't right, tell us. We'll correct it. Quickly, professionally, and without complaint— until you're satisfied.
03
Full refund if we fall short
If we've had the chance to put something right and you still don't believe we've delivered, we'll refund the fees for that work.
No argument. No delay. No small-print wriggle.
04
Clean break
If you ever decide to move on, we'll release your records promptly and cooperate fully with your new accountant.
No missing files. No passive obstruction. No drama.
05
A parting gift
We'll also send you two cinema tickets on the way out.
Because how a firm behaves at the end tells you everything about its character.
The only condition
Let us know within 30 days of the work being completed if something's wrong. That's it. No hoops. No buried clauses.
Reviews you can trust
Real clients. Real results.
Featured review
Switched over on a recommendation. Best move in years. Sharp, proactive and relentless about saving tax.
More reviews
As a busy plumber, I needed accountants who truly understand tradespeople, and these guys deliver. They’ve sorted out years of messy books, helped me stay on top of my VAT, and how to lower my tax bills. Straight-talking, reliable, and worth every penny.
Switched over on a recommendation. Best move in years. Sharp, proactive and relentless about saving tax.
Have saved us over £12,000 in tax this year. We’ve worked with several accountants in Milton Keynes in the past, but none come close to the professionalism and efficiency of this firm. They stay ahead of deadlines, communicate clearly, and we finally have peace of mind.
Since partnering with these accountants, we’ve seen a dramatic improvement in our cash flow and overall financial health, with profits up 22%. They offer personalized guidance and have a knack for spotting opportunities for savings. Highly recommend!
This accounting firm has been a game-changer for our business. They not only handle our taxes with precision but also offer invaluable financial advice that has helped us grow. Their proactive approach and quick responses make them a pleasure to work with.
BeanGrower
The 3-line cashflow check
Take the next step
Ready whenyou are.
Pick the way that suits you — there's no wrong door.
Chat first
Book a free 20 minute call. No pitch. Just tell us where you're at and we'll point you in the right direction.
Book free 30 min callGet your price
Visit our pricing section to get a fixed fee quote.
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We always answer in person (business hours).
01908 123456