Category Archives for "Property tax"

Buy to Let Property

Strategies to maximise buy-to-let yield and cut tax on rental income

How to use your allowances to minimise tax on rental income

For most investors, property is a long-term investment. According to a report by, gross buy-to-let yields in the UK average 4.17%. In some areas, they are almost three times as high. Gross yields are calculated before tax on rental income and other costs are taken into consideration, so provide the best comparison with income of other investments. Read More

The truth about investment opportunities and retirement

Investment Property can be overlooked as a retirement option, but jumping to such conclusions could be costly.

In this article, I’m going to look at the story of two twin brothers, Paul and James, who both inherited £20,000 in 1996 when they were aged 40 years. They each decided to do something very different with their inheritance, but with the same goal in mind: to semi-retire when they were 60.

James’s story – stock market returns and tax advantages

James spoke to his financial advisor. He explained his ambition and decided that he would put the entire sum into a personal pension rather than investment property. He was a higher rate taxpayer at the time, and so claimed full tax relief on his contribution. By doing so, his total investment wasn’t £20,000, but £28,000. Read More

How will the change to mortgage interest tax relief affect me as a property investor?

Property tax questions answered in plain English

Despite their introduction in April 2017, the changes to mortgage interest tax relief are still a hot topic of conversation among property investors. This may be because of the long, drawn-out process of their full effect. It could be because the accountants of many property investors find it hard to explain what’s happening in plain English. Whatever the reason, one of the most common questions we’re asked is, “How will the change to mortgage interest tax relief affect me?” Read More

Everything you want to know about stamp duty on property investment, but are afraid to ask

All the answers you need to help maximise buy-to-let profits

When you’re investing in property, you’ll need to consider stamp duty, though your stamp duty liability on off-plan property investment only becomes payable when you complete – which could be a couple of years away. In some cases, the developer may wrap the stamp duty in the price of your off-plan investment. Read More

BTL mortgage facts for limited company property investors

Your questions answered before you set up a limited company for property investment

You may be considering how to structure as a property investor. For example, you could increase your property investment profits as a limited company rather than by investing in your personal name. Predominantly, this is because of how tax relief on mortgage interest is changing. It pays, therefore, to understand how buy-to-let mortgages work for limited companies. Read More
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