Chartered Accountant - HMO Investor - Straight Talker

Hello... I'm Clive Cass

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I’m Clive — a qualified Chartered Accountant and hands-on property investor with over 30 years’ experience helping people make smarter financial decisions and build long-term wealth.

My day-to-day work is split between:

Investing in high-yield HMO properties across the North West and Yorkshire

Advising landlords, builders, and small businesses on tax, accounting and compliance

And I love both.

Because I believe smart property investing and smart tax planning go hand-in-hand — and most people don’t get either right.

What

Let me work with you on property, tax or accountancy and I am sure I can make a measurable difference to your wealth as you look to achieve your financial freedom through property investment.

Why

Work with me in the knowledge that I myself do exactly what I will advise you to do. So if it is good enough for me, I am confident it will be good enough for you.

When & How

I work full time and will be very responsive to all your communications. I always get things done and you will always work directly with me. We can work via email or in person and I am always happy to answer all of your questions.

I’ve built a growing portfolio of Family Buy-to-Lets (FBTLs) and HMOs, carefully selected and professionally managed for strong, consistent returns.

I don’t chase “get rich quick” deals. I invest in quality housing, in real locations, for long-term income.

Most importantly: I invest using the same strategies I recommend to my clients.
If I wouldn’t do it with my own money, I won’t suggest it with yours.

Property Investing with a Numbers-First Mindset

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Tax & Accountancy That Actually Makes Sense

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I run a long-standing accountancy practice working mainly with:

Property investors & landlords

Builders and tradespeople

Self-employed professionals

Whether you need help with Making Tax Digital (MTD), claiming allowable property expenses, or just understanding your books — I make it simple, accurate, and jargon-free.

As a landlord myself, I understand your challenges better than most accountants do.

I’m not a flashy guru or a corporate firm. If we work together, you’ll speak to me directly — not a bot, I'm not a call centre.

I return calls. I answer questions. And I care about long-term partnerships, not quick wins.

If you’re looking for:

A hands-free HMO investment

Expert tax advice tailored to landlords

Someone who actually does what they preach

…then let’s talk.

A Personal, Straightforward Approach

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Elite Broker Blogs

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How to check if your supplier invoice is correct for input tax

Tax| Accounting

June 26, 2026•2 min read

How to check if your supplier invoice is correct for input tax

Many business owners have made the mistake of purchasing business supplies in their own name rather than the business’s name. Or if you have multiple companies, the purchase invoice may be directed at the incorrect company.

However, in the eyes of HMRC, invoices that are not directed to the correct company may be invalid for reclaiming VAT.

As a general rule, you should always ensure that if you are purchasing business supplies, the invoice states the correct business name.

Supplies to employees

Business owners can reclaim input tax on supplies to employees in certain circumstances. Supplies to employees include expenses such as fuel, accommodation and meals.

To reclaim input tax on supplies to employees, the supply must be paid for by the employer for the purpose of the business.

For instance, you can reclaim input tax on fuel expenses to a work site. However, you should not claim fuel expenses that are not work-related.

Simplified VAT invoices

When the total amount due on a business's invoice is under £250, they can issue a simplified invoice. Simplified invoices do not need to include the customer’s name and address.

You can reclaim input tax with a simplified invoice as long as it includes all of the mandatory information:

●The supplier details

●An invoice number

●The tax point (the transaction date)

●A description of the products/ services sold

●The VAT rate(s)

●The total (gross) amount due

If the simplified invoice is above £250 or does not include the mandatory information, you must contact the supplier as soon as possible. Make sure you document your attempts of getting a valid invoice in case HMRC ask for it.

Reclaiming VAT without a valid invoice

If you do not have any luck obtaining a valid invoice, there are other ways that you can prove the sale to HMRC.

You will need to prove to HMRC that:

There has been an actual supply of goods and/or services to your business.
Your business received the goods and/or services.
You have some form of documentary evidence to support the claim.

Any additional documentation would be helpful to your claim - including contracts, purchase orders, email correspondence, bank statements, etc.

The information you provide will be reviewed by HMRC staff who will have the final decision on whether or not your deduction request is approved.

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Clive Cass

Clive Cass is a Chartered Accountant & Property Investor who shares his insights into the world of Property Investing. Read along with him as he breaks-down all the facts, information and legislation into easy to follow blog posts.

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