Building
Growing what you’ve got.
Your affairs have outgrown the way they were set up.
The company’s making real money now, or the property portfolio has grown past what one person on a tax return was ever meant to hold, and the structure underneath it was designed for previous times.
What suited you then can quietly cost you now.
There are two decisions that tend to matter most at this stage
Extracting profit from your company.
The mix of salary, dividends, pension and benefits sets your effective tax rate.
A split that was right a few years ago may no longer reflect current rates and thresholds, and nobody’s obliged to tell you.
Tax Planning →Moving property into a company.
Since the financing-cost restriction took full effect, individual landlords can pay tax on more than they actually keep.
Incorporation may fix that — or may trigger a needless CGT and SDLT bill if it’s done without modelling the whole picture first.
Property Incorporation →Both are decisions where the outcome is calculated.
We model the alternatives on your own numbers, show you the difference in figures rather than assurances, and tell you honestly whether the move is worth making - before you commit to it.
The information on this page is provided for general guidance only and is based on current legislation at the time of writing. Tax treatment depends on individual circumstances and may change in future. You should not act on this information without obtaining professional advice specific to your circumstances.