Run by a property investor,not just an accountant.
Fixed-fee accounting, tax and compliance for property investors and growing businesses, working with clients across the UK and overseas. Advice from someone who holds the same buy-to-let and serviced accommodation properties you do.
Property
Run by an FCCA-qualified accountant who's also a property investor, with a growing portfolio of buy-to-let and serviced accommodation properties, so every structure recommended has been used personally first.
Accounting
Straightforward bookkeeping on Xero, kept current, so you always know where you stand without the end-of-year scramble.
Compliance
Accounts, tax returns, Companies House filings and deadlines, all tracked and handled properly, with company secretarial work covered directly as an ACSP-registered firm.
Tax
Planned ahead of time, from mortgage interest relief to the everyday reliefs that often go unclaimed, rather than totalled up once the year's already gone.
One client, structured differently
A property investor and a growing business look the same to us: one fixed fee, one point of contact, and the same standard of advice, whether you hold property personally, through an SPV, or via a limited company.
Own property in your name
Straightforward accounting and compliance for landlords holding property personally, with Making Tax Digital for Income Tax built in as standard rather than charged as an extra.
See what's includedRun it through a company
Full bookkeeping, compliance and advisory for your SPV or limited company, so it's a genuinely hands-off service rather than something you have to chase.
Why a limited company usually winsPlan the bigger picture
Growing a portfolio, restructuring, or passing the business on sits outside the fixed fee. We scope that advisory work properly and agree the cost upfront, so it's never a surprise.
Talk through your plansAn advisor, not a filing service
Most accountants show up once a year to file what already happened. We'd rather be the call you make before you decide.
"I run my own property portfolio, so I know what you actually need to hear before a deadline forces the question, not after."
Dom, Director, Pact Accounting- Fixed fees
- One monthly fee, agreed up front, covering the work that keeps you compliant. No surprise invoices for a phone call.
- Real access
- You deal directly with the person doing your accounts and giving the advice, from day one through to your annual filing.
- Cloud-first
- Everything runs through Xero, so your numbers are live, not six months stale by the time you see them.
- Built for property
- Structuring, SPVs and holding company advice sit at the core of what we do, including using a holding company to safeguard cash and assets away from trading risk and reinvest surplus profit into property tax-efficiently.
Why property investors are moving to limited companies
The number of investors buying through a limited company keeps growing, and the same principles protect business owners with surplus cash to invest. Here's the short version of why.
You keep more of the rent
Mortgage interest comes off your profit before tax, and the company pays corporation tax rather than income tax at up to 45%. On a typical single let, that can mean thousands saved in year one alone.
You can extract profit more efficiently
Dividends, director's loan repayments and pension contributions all give you ways to take money out, or leave it working, with far more control than owning a property personally.
Passing it on gets simpler
Gift shares in the company rather than the property itself, keep control as director, and your beneficiaries can end up facing inheritance tax on a fraction of the value.
You can protect and reinvest surplus cash
A holding company sitting above your trading business keeps cash and other assets out of reach of trading risk. It also lets you move surplus profit into property without drawing it out personally and paying income tax first, something we regularly advise on for business owners as much as property investors.
"Buy the property in your own name and you have no flexibility. Buy it through a company, and every decision, how you're taxed, how you extract profit, how it passes on, stays in your hands."
The short version of a much longer conversation.
Straightforward, fixed-fee packages
Choose the package that matches your setup. Your Xero subscription is included as standard, so the only variables are anything genuinely out of scope.
Self-employed
From £50 /month + VAT
+ From £15/month + VAT for Making Tax Digital for Income Tax, once your income puts you in scope
- Self-assessment tax return
- Xero subscription included
- Ongoing record-keeping support
- Direct WhatsApp & email access
Limited company
From £79 /month + VAT
+ pricing scales with portfolio size for SPVs holding multiple properties — get in touch for a tailored quote
- Full bookkeeping, for a genuinely hands-off service from compliance to advisory
- Annual accounts & corporation tax return
- Companies House filings
- Xero subscription included
- Ongoing tax guidance for decisions as they come up
Company formation
From £150 one-off + VAT
- Company registration
- Share structure & VAT guidance
- Set up ready in days, not weeks
Need something bigger than day-to-day advice, a holding company restructure, an HMRC matter, or a wider tax review? That's scoped and quoted separately, with the cost agreed before we start.
Ask about one-off adviceLed by someone who's run the finance function too
Pact is run by Dom, a chartered accountant with years of experience running teams and helping clients grow their businesses, now building a practice of his own. He's also a property investor, with a growing portfolio of buy-to-let and serviced accommodation properties, so the advice here comes from someone who makes the same structuring and tax decisions you do, rather than someone who's only ever read about them.
Pact Accounting Limited covers the full range of compliance a growing business or property portfolio needs, from accounts and tax returns to Companies House filings, and handles company secretarial and identity verification work directly as an ACSP-registered firm. Dom's day-to-day advisory work spans corporate tax, inheritance tax planning, Making Tax Digital, property investment structuring, and the everyday reliefs that are easy to overlook, from trivial benefits to working-from-home allowances, through to more specialist territory like growth shares.
The practice stays deliberately small: a tight, dedicated team who know your business by name, working exclusively on Xero so your figures are always up to date. It's built for property investors and business owners who want a straightforward, trustworthy advisor for the long run, rather than someone who turns up once a year to file a return.
What clients say
"Supported me through my journey setting up my limited company for property."
"Restructure our company and given us lots of specialist advise on future property investments."
"Given some really useful insights to improve our financial understanding."
"Helped me set up my Ltd business and made the process super smooth."
Genuine excerpts from existing Trustpilot reviews. Read the full reviews on Trustpilot
Let's work together.
Book a free discovery call and we'll tell you plainly whether we're the right fit. No sales pitch.
Working with clients across the UK and overseas, everything runs on cloud software, wherever you're based.