u/Gold_Watercress1923

Curious what people are charging landlord clients these days, especially with MTD coming in.

For sole trader landlords / portfolio landlords / Ltd company structures:
- what are you typically charging for accounts + tax returns?
- are you moving people onto monthly packages yet?
- are clients actually willing to pay more for bookkeeping/MTD support?

Feels like the old “once a year SA return” model probably won’t survive long-term for landlord clients.

Interested to hear how others are pricing this work now.

One thing I’ve realised after working around both property investors and long-term index investors is that the “returns” conversation often ignores operational complexity.

On paper, leveraged property can look very attractive.

But once you factor in:
- refinancing risk,
- admin,
- tenant issues,
- maintenance,
- liquidity constraints,
- tax complexity,
- and time commitment…

…the comparison becomes much less straightforward versus low-cost passive investing.

I still think property can work very well in the right circumstances, but I increasingly understand why many FIRE-focused people prefer simplicity and scalability through index funds.

Curious how others here think about the trade-off between optimisation and simplicity.

I’m surprised how many landlords I speak to still don’t realise how significant Making Tax Digital (MTD) will become over the next couple of years.

A lot of people think it’s “just another tax return change”, but quarterly reporting and digital record-keeping could become quite painful for landlords still relying on spreadsheets, mixed personal accounts, or manual bookkeeping.

Especially for:
- HMO portfolios,
- mixed personal + LTD ownership,
- jointly owned properties,
- landlords with refinancing activity.

Feels like many landlords are underestimating the admin side rather than the tax side.

Curious how others here are preparing for it?