SPV property company accountants

Accountants for property SPVs, buy to let limited companies and property development vehicles, lender-ready accounts, director loans and interest relief inside a company.

• SPV accounts prepared in a format lenders and brokers accept

• Corporation tax returns covering rental profit or development profit

• Director loan accounts funding deposits, documented and tracked

• Interest, arrangement fees and refurbishment costs allocated correctly

• Investment against trading analysis for development projects

• Extraction planning, dividends, salary and loan repayment in the right order

A property company deducts mortgage interest in full against rental profit, unlike a personally held residential let where relief is restricted to a 20% reducer. That single difference is the reason most geared landlords look at an SPV, but extracting profit from the company is a second tax event in your own hands.

SIC code 68209 or similar is what most buy to let lenders expect on an SPV, and many will not lend to a company with trading activity mixed in. Keeping the vehicle clean is a lending requirement as much as a tax one.

Whether a project is investment or trading changes everything: a trading development company pays corporation tax on profit and has no capital gains treatment, while an investment company holds property as a fixed asset. Additional dwelling stamp duty at 5% on top of standard rates applies to company purchases of residential property from the first pound, and the 15% flat rate and ATED can apply above £500,000 unless a relief is claimed.

Thresholds, rates and deadlines quoted here reflect the 2026/27 UK position. Check current GOV.UK guidance, or ask us, before you rely on them for your own company.

We start by looking at the last filed accounts, your current records and your filing dates, then confirm a fixed scope and fee in writing.

Once the work is live you get reminders ahead of each deadline, a named person to ask questions, and a plain-English summary when the figures are ready, not a PDF with no explanation.