Property Accounting & Tax Services Made Simple

Whether you’re a non-resident landlord, a seasoned property developer, or managing a growing buy-to-let portfolio, the UK property tax laws can quickly become overwhelming for you if you don’t know your way around them.

With constant regulatory updates, strict filing deadlines, and complex rules around Capital Gains Tax (CGT), Stamp Duty Land Tax (SDLT), and Annual Tax on Enveloped Dwellings (ATED), even a small oversight can lead to expensive mistakes.

That’s where Monarc steps in.

At Monarc, we specialise in helping UK and international property investors manage their accounting and tax obligations with confidence. From tax-efficient ownership structures to robust compliance, we’re your trusted partner in protecting your investment, maximising returns, and staying one step ahead of HMRC.

We’ve worked with everyone from accidental landlords to international property groups, and our proactive, plain-English approach ensures you’ll always understand what’s happening with your money. 

No jargon. No surprises. Just expert advice tailored to your portfolio.

Why Property Investors and Landlords Choose Monarc

Property investors don’t want a “generalist” accountant. You need a team that understands the ins and outs of the UK property market and how to optimise your tax strategy, avoid pitfalls, and stay compliant as regulations evolve.

Here’s why landlords and property professionals choose to work with us:

• Specialist Tax Knowledge
  We stay ahead of UK and international tax changes that impact landlords, including recent reforms around non-resident landlord schemes, capital allowances, and changes to CGT on residential property.
  
• Tailored Structuring Advice
  Whether you own personally, via a limited company, or a trust, we advise on the most tax-efficient way to hold property based on your goals.
  
• End-to-End Support
  From initial property acquisition through to rental income tracking, bookkeeping, and final sale, we cover every stage of the property investment journey.
  
• Clear Reporting & Personalised Advice
  You’ll always know where you stand with HMRC. We provide regular updates, plain-English advice, and a clear view of your portfolio’s performance.
  
• Global Reach, Local Expertise
  As a UK-based firm with international insight, we support both UK-resident and non-resident landlords, including those based in Dubai, Hong Kong, and across Europe.
  

We don’t just do the numbers. We help you make better property decisions, so you can grow your portfolio with clarity and control.

Our Property Services at a Glance

Managing property investments takes more than collecting rent and filing a return once a year. Whether you’re renting out a single flat or running a portfolio of HMOs, you need strategic financial guidance and airtight compliance.

Here’s how we at Monarc support your property success:

✓ Property Tax Planning
We help you plan ahead and minimise tax across your property lifecycle—whether you’re buying, renting, or selling. We’ll assess your ownership structure, optimise reliefs, and ensure you’re not leaving money on the table.

✓ Buy-to-Let Tax Services
Specialist support for individual and corporate landlords, including advice on allowable expenses, Section 24 mortgage interest restrictions, and annual self-assessment filings.

✓ Capital Gains Tax (CGT) Advice
From calculating accurate gains to applying every possible relief (like Private Residence Relief or Lettings Relief), we ensure you pay only what you owe—nothing more.

✓ Stamp Duty Land Tax (SDLT) Guidance
We advise on the right SDLT rates, including for second homes, company purchases, and non-resident buyers. We’ll also check if you’re eligible for any lesser-known reliefs.

✓ Annual Tax on Enveloped Dwellings (ATED)
If you hold property via a limited company, we’ll assess your ATED exposure and handle your annual reporting to HMRC.

✓ Non-Resident Landlord Scheme (NRLS)
We’ll help you register with HMRC, receive rent gross (where applicable), and manage ongoing compliance if you’re investing in UK property from abroad.

All services are delivered with clear communication, fixed fees, and a partner-led approach because your portfolio deserves more than guesswork and generic advice.

Support for Non-Resident Landlords

Investing in UK property while living overseas is increasingly popular, especially for professionals based in Dubai, Hong Kong, and the US. But it also brings an extra layer of tax complexity, especially when it comes to double tax treaties, currency issues, reporting requirements, and cross-border estate planning.

At Monarc, we specialise in supporting non-resident landlords who want peace of mind while growing their UK property portfolio. 

Here’s how we help:

• NRLS Registration & Compliance
  We’ll handle your HMRC registration under the Non-Resident Landlord Scheme so you can receive rent without automatic tax deductions.
  
• Rental Income & Tax Reporting
  From bookkeeping to filing your self-assessment return, we’ll ensure you’re meeting your UK tax obligations without overpaying.
  
• Cross-Border Tax Planning
  We take your home country’s tax laws into account and help you avoid double taxation using applicable tax treaties.
  
• Advice on Holding Structures
  We help you decide whether to own property personally, via a company, or through a trust, based on your goals and location.
  
• Exit Strategy & CGT Planning
  When the time comes to sell, we’ll calculate Capital Gains Tax (CGT), explore any available reliefs, and ensure proper reporting under the 60-day CGT rules for non-residents.

Whether you own a London flat, a portfolio of student rentals, or a family home you’re leasing while abroad, Monarc ensures your investments are protected and profitable.

Capital Gains Tax & SDLT Planning

Two of the biggest tax liabilities facing property owners are Capital Gains Tax (CGT) when selling, and Stamp Duty Land Tax (SDLT) when buying. 

These can significantly eat into your profits, especially if you don’t plan ahead.

Our role at Monarc is to guide you through both.

Capital Gains Tax (CGT)

CGT applies when you sell a property that isn’t your main home. If you’re a landlord, property developer, or non-resident investor, this likely affects you.

We will:

• Calculate your gain with precision, including all allowable costs (legal fees, stamp duty, renovations, etc.)
• Apply reliefs like Private Residence Relief, Lettings Relief, or Business Asset Disposal Relief (where applicable)
• Submit your 60-day CGT return (if required)
• Integrate CGT planning with your overall tax strategy
  

Stamp Duty Land Tax (SDLT)

Buying a property in the UK, whether for personal use or investment, usually triggers SDLT. But many investors overpay or miss reliefs they’re entitled to.

We will:

• Advise on SDLT rates for your situation (residential, commercial, mixed-use, or second home)
• Explore reliefs like Multiple Dwellings Relief (MDR), First-Time Buyer Relief, or exemptions for corporate structures
• Help you avoid common mistakes that result in higher SDLT bills

With early advice and the right structure, you can significantly reduce your tax liabilities and boost your post-tax returns.

Property Portfolio Structuring

As your property investments grow, the question isn’t just what to buy — it’s how to own it.

Should you buy personally or through a limited company? Is a partnership more tax-efficient? Should you consider using a trust? These are critical questions, especially with evolving tax rules around mortgage interest, dividend tax, and corporation tax.

At Monarc, we don’t just file your returns; we help you structure your portfolio in a way that supports long-term wealth growth, succession planning, and tax optimisation.

We’ll Help You:

• Assess the best ownership model for your short- and long-term goals
• Understand the tax implications of incorporating or disincorporating your portfolio
• Plan for exit strategies, like selling or passing assets to family members
• Consider estate planning tools like trusts for high-value portfolios

If you’ve got more than one property—or you plan to grow your portfolio—this is a conversation worth having early.

Support for Property Developers

We understand that property development is a different beast altogether. From acquisition to construction to resale, every phase brings its own tax implications and risks.

Whether you’re flipping houses, building new units, or converting commercial spaces to residential, you need accountants who understand the fast-moving nature of development and the importance of cash flow forecasting.

At Monarc, we support developers with:

• SPV Setup & Structuring
  We advise on the use of Special Purpose Vehicles (SPVs) and group structures to manage liability and optimise Corporation Tax.
• VAT Advice for Developers
  We’ll help you navigate VAT registration, reclaim, and exemptions—especially for zero-rated and reduced-rated works.
• Cash Flow & Project Forecasting
  We help you model your development project finances accurately—so you can plan ahead and stay liquid.
• Tax-Efficient Exit Planning
  Whether you’re selling to end users or retaining assets for rental income, we’ll advise on CGT, SDLT and VAT impact.
• R&D Tax Credits
  If your development involves innovative design, materials or construction techniques, you could be eligible for valuable R&D tax reliefs.

We partner with developers of all sizes, from first-time project managers to seasoned property entrepreneurs, so you can focus on the build, not the bookkeeping.

Why Property Clients Trust Monarc

The property world moves fast. You don’t have time to second-guess your accountant or chase generic advice. 

At Monarc, we combine technical expertise, sector experience, and responsive service to become a true financial partner to our clients.

Here’s what makes us different:

✅ Specialists in UK Property Taxation
We’ve advised everyone from single-property landlords to large development firms. We stay on top of legislative changes so you don’t have to.

✅ Personalised Strategic Advice
No cookie-cutter checklists here. We take time to understand your goals and create a plan that fits you.

✅ Dedicated Point of Contact
You get a named expert you can email, call, or Zoom, not a call centre or rotating team.

✅ Tech-Forward but Human-Led
We use modern cloud accounting tools to streamline your finances, but never lose the human touch in our service.

✅ Transparent Pricing
No surprise bills or hourly rates. You get clear, upfront pricing that matches your needs and stage of growth.

We’re here to help you get clarity, stay compliant, and maximise your return on every property decision, whether you’re buying your first BTL or managing a growing portfolio.