Property tax advice from specialist advisors

A property tax advisor works out the tax cost of a property decision before you make it. We look at how you own property, when and how you sell or gift it, how your mortgage interest is relieved, what stamp duty applies and what your estate will face. You get the options costed against your own figures, a recommendation, and the deadlines that come with it.

Accountancy reports the year; advice changes a decision. Accountancy is the yearly cycle of bookkeeping, rental schedules, Self Assessment, company accounts and quarterly Making Tax Digital updates. Advice starts from one question, such as whether to incorporate or when to sell, and ends with a note that costs the options. You can buy the advice from us and leave your accounts exactly where they are.

No, you keep your accountant. The advice is a standalone piece of work. Many of the landlords who come to us stay with their existing accountant for the annual return and come to us only for the decision that sits outside it. We write the note so your accountant can act on it directly, and we will talk them through it if that helps.

The first call is free; the advice after it is a fee we quote before we start. A single sale is a small job; a portfolio split across spouses and a company is a large one, and the quote reflects that. Nothing starts until you approve the fee, and the free call commits you to nothing.

Bring a list of the properties and the decision you face. For each property, a rough value, the mortgage outstanding, how it is owned and, if you have them, the purchase date and price. Add your approximate income and your spouse's, because both change the answer. If some of it is missing, come anyway; we will tell you on the call what else we need.

Yes, though fewer options remain once it has completed. Before exchange we can still shape ownership, funding and structure. Afterwards we work with the reliefs, elections, income split and any disclosure still open to you. If you have sold and capital gains tax is due, the return and the payment are due within 60 days of completion, so bring the completion date to the first call.

Yes, it is one of the questions we are asked most. We model the capital gains tax and the stamp duty cost of moving the properties against the yearly saving, and show the year you would break even. Incorporation relief can defer the gain where your letting amounts to a business, but for transfers from 6 April 2026 it has to be claimed. Our buy-to-let incorporation guide explains the test and has a calculator for a first number.

Sometimes not, and we will say so. With one or two lightly mortgaged properties and an income inside the basic-rate band, there is often nothing worth planning. The value shows up when you pay higher-rate tax, when borrowing is heavy, when a sale or purchase is coming, or when the portfolio is large enough to leave an inheritance tax bill. The free call settles which group you fall into.

Yes. Commercial and mixed-use property raises its own questions: capital allowances on the fixtures in a building, the option to tax for VAT, and stamp duty at non-residential rates. Gains on commercial property are taxed at the same 18% and 24% rates as residential ones. These are the areas a generalist most often misses, so we check them before you buy rather than after.

Yes, and the earlier you come to us, the more options remain. Rent that was never declared is usually put right through the Let Property Campaign, and a disclosure you make before HMRC asks normally ends better than one they prompt. If a letter has already arrived, we read it with you and settle your position before you reply, because your first answer shapes the rest of the enquiry.

From 6 April 2027, rental income is taxed at its own rates: 22% basic, 42% higher and 47% additional, in place of 20%, 40% and 45%. This applies in England, Wales and Northern Ireland; Scottish taxpayers stay on the rates Holyrood sets. The tax credit for mortgage interest rises from 20% to 22% at the same time, so a higher-rate landlord's gap stays at 20 points. These rates are already law, not a proposal.

Yes, and it happens often. Leaving things as they are is a proper recommendation, and once the numbers are run it is the right one for many landlords. We would rather tell you that on a free call than sell you a restructure that costs more than it saves. If your current setup is already the right one, the note says so and shows you why.