GoForma provides specialist property accounting for landlords, buy-to-let investors, property developers, and SPV company directors across the UK. Get a dedicated property accountant, proactive capital gains tax planning, and all your HMRC and Companies House filings handled.
Trusted by UK contractors, freelancers and limited-company directors since 2020.
From single-contract IT consultants to growing limited-company directors — pick the situation that fits and you'll get a qualified property accounting who actually knows it inside out.
What we cover
Residential and commercial landlords managing portfolios who need help with rental income tax, allowable expenses, and HMRC self assessment.
Residential and commercial landlords managing portfolios who need help with rental income tax, allowable expenses, and HMRC self assessment.
What we cover
Investors building a buy-to-let or holiday let portfolio who need strategic capital gains tax planning and income structuring advice.
Investors building a buy-to-let or holiday let portfolio who need strategic capital gains tax planning and income structuring advice.
What we cover
Developers buying, building, and selling residential or commercial properties who need accurate reporting of costs, VAT treatment, and capital gains.
Developers buying, building, and selling residential or commercial properties who need accurate reporting of costs, VAT treatment, and capital gains.
What we cover
Investors frequently buying and selling properties who need active tax planning and accurate transaction reporting to optimise their position.
Investors frequently buying and selling properties who need active tax planning and accurate transaction reporting to optimise their position.
What we cover
Directors holding property through Special Purpose Vehicles or limited companies who need annual accounts, corporation tax returns, and corporate planning.
Directors holding property through Special Purpose Vehicles or limited companies who need annual accounts, corporation tax returns, and corporate planning.
What we cover
Individual buy-to-let owners with rental income to declare who need self assessment support, expense reviews, and mortgage interest relief guidance.
Individual buy-to-let owners with rental income to declare who need self assessment support, expense reviews, and mortgage interest relief guidance.
Not just the filings — the dedicated accountant, the contract guidance, the software, and the structure that makes property accounting actually work for you.
Single buy-to-let, HMOs, holiday lets, mixed portfolios, SPVs, family investment companies — we work with every type of UK property investor. Your dedicated accountant tracks Section 24 finance restriction, allowable repairs vs capital improvements, mortgage interest, and the dozen small choices that decide your tax bill.
Section 24 changed how mortgage interest works for individual landlords — it's now a 20% basic-rate credit, not a deduction. We model the impact on your real tax bill, claim every legitimate repair / running cost, and identify when restructuring (incorporation, ownership swap, joint tenancy split) actually pays back.
Selling a property triggers CGT inside 60 days of completion. We model the gain in advance, claim Private Residence Relief for any periods you lived in it, factor in lettings relief where it still applies, and use available CGT allowances. Most clients save £3–10k in CGT by planning the disposal before they exchange.
Holding rentals personally vs through a limited company changes your tax position fundamentally. We model both based on your portfolio size, income tax band, and growth plans — and where incorporating wins, we handle the SPV setup, the s162 incorporation relief claim, and the SDLT and refinancing implications.
Stamp Duty surcharges, multiple dwellings relief, Annual Tax on Enveloped Dwellings (ATED) for company-owned residential property, non-resident landlord scheme returns — the niche filings most general accountants miss. We don't.
FreeAgent included, configured property-by-property so you can see income, mortgage, repairs and net cashflow per unit. We review your books monthly and flag mortgage rate changes that materially shift your tax position — usually before your broker does.
Answer a few quick questions and we'll match you to the right package — with a price tailored to your business. Takes about 60 seconds.
| Feature | GoForma | High Street Accountant | Budget Online Service |
|---|---|---|---|
| Dedicated named accountant | ✓ | ✓ | ✗ |
| FreeAgent software included | ✓ | ✗ | ✗ |
| WhatsApp and live chat support | ✓ | ✗ | ✗ |
| Monthly rolling contract | ✓ | ✗ | ✓ |
| Money-back guarantee | ✓ | ✗ | ✗ |
| Proactive tax planning | ✓ | ✓ | ✗ |
| Instant online quote | ✓ | ✗ | ✗ |
Getting started with GoForma property accounting is quick, simple, and entirely online.
Book a 20-minute call with a specialist accountant to discuss your situation before committing.
Choose your package and complete onboarding in your dashboard, including ID checks and company details.
We handle all authorisations with HMRC and Companies House so everything is in place from the start.
Your FreeAgent accounting software is configured with bank feeds, invoicing, and expense tracking ready to go.
Get proactive reminders and accountant-led support for all quarterly and annual filings.
Book a call with your accountant anytime throughout the year for advice and updates.
Real reviews from real GoForma clients. Names match those on our verified Google profile.
Modelled Section 24 properly on my five-property portfolio and showed the case for incorporating into an SPV. Saved about £6k/year in tax once we restructured.
Got my CGT 60-day return filed correctly, claimed PRR for my owner-occupier period, and saved about £4k in tax. My old accountant would have just filed the gain at full whack.
ATED, SDLT surcharges, non-resident landlord scheme — the niche bits no one else seems to know about. Everything filed on time, every year.
FreeAgent set up property-by-property so I see income, mortgage and net cashflow per unit. They flagged a coming rate change before my broker did and re-modelled my tax position.
Read all 65 verified reviews on Google.
Practical guides on capital gains tax, allowable expenses, VAT and HMRC compliance for property investors and landlords.
The NHS pension annual allowance is the limit on tax-favoured pension growth each tax year — £60,000 for 2026/27. Because the NHS Pension is a defined benefit scheme, it is measured by your pension input amount (the growth in your pension's value), not the contributions you pay. Exceed it and a tax charge may apply, payable via Self Assessment or Scheme Pays.
Read guideMost locum doctors are taxed as self-employed sole traders, paying Income Tax and Class 4 National Insurance through Self Assessment. Some trade through a limited company and pay Corporation Tax instead. The big trade-off: limited company locum income cannot be pensioned via GP Locum Forms A & B, so incorporating usually means giving up NHS Pension accrual on locum work.
Read guideLocum pharmacists are paid via PAYE, self-employment or a limited company. Employment status depends on the facts of each engagement — control, substitution and mutuality of obligation — and HMRC views many community pharmacy locum arrangements as employment. Self-employed locums file Self Assessment and pay Class 4 NI; limited companies only save tax where engagements are outside IR35.
Read guideEmployed doctors, nurses and healthcare workers can claim tax relief on professional fees paid to bodies on HMRC's List 3 (GMC, NMC, GDC, HCPC), flat rate uniform laundry expenses and unreimbursed work mileage — backdated up to four tax years via form P87. Self-employed locums and private practitioners can deduct a far wider range of expenses through Self Assessment.
Read guideThe UK Crypto Tax Calculator estimates Capital Gains Tax owed on cryptocurrency disposals for 2025/26. It applies the £3,000 annual exempt amount and splits gains across 18% basic-rate and 24% higher-rate bands based on your salary. Built by ACCA and AAT qualified UK crypto tax accountants.
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UK VAT rules for international sales depend on whether you sell goods or services, whether your customer is a business or consumer, and where they are based. Exported goods are usually zero-rated with proof of export. B2B services to overseas clients typically fall outside UK VAT through the reverse charge, while B2C digital services to EU consumers require VAT at the customer's local rate via the OSS scheme.
Read guide
On the VAT Flat Rate Scheme, if your business spans more than one trade sector, HMRC requires you to apply the flat rate percentage for whichever sector accounts for the largest share of your VAT-inclusive turnover. That single rate then applies to your total turnover, not just the income from that sector. You must review your sector classification each year to keep it accurate.
Read guide
Most employers pay PAYE and National Insurance to HMRC monthly, with the payment due by the 22nd of the following tax month (19th for post). Employers with average monthly liabilities below £1,500 can pay quarterly instead. The method you choose determines how many working days you need to allow before the deadline.
Read guideA property tax accountant specialises in the tax and accounting needs of landlords, property investors, developers, and buy-to-let owners. They help you claim all allowable expenses, structure ownership tax-efficiently, report capital gains accurately, and file all required returns with HMRC and Companies House.
Rental income is subject to income tax after allowable expenses. Individuals pay tax at their marginal rate, while company landlords pay Corporation Tax on profits. When you sell a property, any gain above your annual CGT allowance is taxed at residential property rates. Structuring your ownership correctly from the outset can significantly reduce your overall tax burden.
All GoForma packages are transparently priced with no hidden extras and no long-term contracts. Get an instant online quote to find the right package for your property accounting needs.
Your accounting matters too much to be handed off to an offshore team you'll never meet. Every GoForma client gets a named, UK-qualified accountant, with a London office and a phone number that picks up.
UK off-payroll working rules. They decide whether a contractor working through a limited company is genuinely in business or is a 'disguised employee' for tax purposes.
Read the official HMRC / gov.uk guidanceThe tax a UK limited company pays on its taxable profits — currently between 19% and 25% of profit depending on profit level. Filed annually via a CT600 return.
Read the official HMRC / gov.uk guidanceThe annual personal tax return that a limited-company director files for their own income — typically dividends, salary and other personal income. Deadline: 31 January.
Read the official HMRC / gov.uk guidanceHMRC's programme that requires VAT-registered and self-employed taxpayers to keep digital records and file via approved software like FreeAgent.
Read the official HMRC / gov.uk guidanceAn annual filing to Companies House confirming the company's directors, shareholders and registered office. Separate from CT and SA — but every limited company has to file one.
Read the official HMRC / gov.uk guidanceA set of HMRC rules for the construction sector where contractors deduct money from subcontractor payments at source and pass it to HMRC as advance tax.
Read the official HMRC / gov.uk guidance
