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Who you will be dealing with

The person behind Landlord Tax Enquiry.

Landlord Tax Enquiry is run by one person, and you will deal with that person. I have been a professional landlord since 1989, have worked in property accounting and commercial finance since 2005, and spend my working week on the paperwork that frightens most landlords: HMRC letters, disclosures and the returns behind them. This page tells you who I am, what I am qualified to do, and, just as importantly, what I am not.

This page is about the author of this site, BK VermaProfessional landlord · Property Accounting Specialist · Commercial Finance ConsultantReviewed 22 September 2026

Who I am

Professional landlord · Property Accounting Specialist · Commercial Finance Consultant

MSc · CeMAP · AdvCeMAP · CeFA · CeRER

I bought my first rental property in 1989 and have owned and let residential property ever since, so I have made most of the mistakes this site helps you avoid, and filed the returns that followed. Since 2005 I have worked in mortgage and commercial finance, which is where the finance qualifications come from and why the mortgage side of a landlord’s tax position is second nature to me. I am not a regulated mortgage broker or financial adviser today, and nothing on this site is regulated financial advice.

Through my accounting practice, Landlord Accounting, I prepare landlords’ Self Assessment returns and the property pages behind them. Through Landlord Tax Enquiry I help landlords who have had a letter from HMRC, or who know they should have declared something and have not yet done so, to get organised, understand their position and put it right.

What I am, and what I am not

  • I am a professional landlord, a property accounting specialist and a commercial finance consultant who does this work every week.
  • I am not a chartered accountant, a solicitor or a tax barrister, and this site never claims otherwise.
  • I do not act as your agent with HMRC. I prepare; you sign and send. That keeps you in control and keeps the cost down.
  • I am not a regulated mortgage broker or financial adviser, and I am not regulated by the Financial Conduct Authority. Nothing here is regulated financial advice. Where a commercial mortgage is relevant I introduce you to BCL Commercial Finance, which is not FCA-regulated, and tell you so.
  • If HMRC alleges deliberate behaviour, or you have a Code of Practice 9 letter, I will tell you to get specialist representation, and help you find it.

How this site is written and checked

1
Every guide and tool carries my name and a review date. If the law or the figures change, the page is updated and the date moves.
2
Figures are checked against HMRC’s own publications — the SA105 notes, the manuals and the current rates — and re-checked after each Budget.
3
Plain English is the standard. Every page is written for a landlord with no tax background, and measured for reading level before it is published.
4
The tools keep your data on your device. Nothing you type into a calculator or checklist is sent to me or stored on a server.

The words we use

Enquiry (compliance check)
HMRC looking into a return or a period to check the tax is right.
Disclosure
Telling HMRC about income or gains you have not declared, before or after they ask.
Let Property Campaign
HMRC’s standing route for landlords to disclose undeclared rental income on better terms.
Section 24 (finance-cost restriction)
The rule that gives a tax reduction for mortgage interest on residential lets instead of a deduction.
Making Tax Digital for Income Tax
Quarterly digital updates to HMRC, replacing the once-a-year return for many landlords.
Capital vs revenue
A repair is a running cost; an improvement is capital. The distinction decides what you can claim against rent.

Company details, complaints and data-protection information are on the contact, complaints and data protection pages.

Where to go next

Ready to talk it through? Send us the details

This is fixable — and you can do a lot of it yourself. For a straightforward case, the free tools take you through it step by step, no accountant needed. For the genuinely complex ones, a professional earns their keep — and we’re here if you want one, or if you’d simply rather not do it alone. The choice is yours.

There’s no charge to make contact and no obligation. Hands-on help starts from a fixed £450 case review, and the full price is always agreed with you before any work begins.

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