Tax for property investors, done by people who think long.
Specialist tax advice for landlords, buy-to-let investors and portfolio holders across Liverpool and the North West. Section 24, company structures, CGT on disposal, and the long-view decisions that compound over the life of a portfolio.
Landlords and investors who have outgrown the standard answer.
Most property investors we work with have been doing this for years. They have a portfolio — large or small — that has grown organically, with structural decisions made one at a time over a long horizon. Some of those decisions made sense then and do not now. Some never made sense.
The most common moments people come to us:
- The mortgage interest restriction has turned a profitable portfolio into a tax-driven loss on paper.
- They are weighing up whether to incorporate — and want a real answer modelled on the actual numbers, not a forum post.
- They are about to sell, and want to know what the tax bill could look like with the right preparation.
- They have inherited or are about to inherit a portfolio and are working out how to hold it.
If any of that sounds familiar, you are in the right place.
“The default answer for landlords is now ‘set up a company.’ That is sometimes right. Sometimes it is the most expensive mistake on the table. The honest version of the conversation depends on numbers, not slogans.”
Individual landlords can no longer deduct mortgage interest from rental income as an expense. Relief is given as a basic-rate tax reduction. For higher-rate taxpayers in a geared portfolio, the effect can be severe — sometimes you are taxed on more than the actual cash you kept.
You might be in the right place if you are:
- A landlord with a portfolio in the North West
- Considering buy-to-let through a limited company or SPV
- Higher or additional-rate taxpayer feeling Section 24 bite
- Preparing to dispose of a property or rebalance a portfolio
- Inheriting or planning to pass on a property holding
- Stuck with an existing structure that no longer fits
Four areas where investor decisions move the most.
Property investor tax is its own discipline. These are the four areas where the calls we get most regularly turn into the biggest swings of money on the table.
Personal vs limited company
The default advice for landlords has become “put it in a company.” Sometimes right, sometimes expensive. The honest comparison takes account of your marginal rate, what you intend to do with the rental profit, the cost of incorporating an existing portfolio, and the second layer of tax on extraction.
We model the actual numbers for your facts. There is a deep dive on the trade-offs in our blog post Buying Property Through a Limited Company.
Areas covered:
- Personal vs company analysis with real numbers
- SPV setup and structure
- Incorporation of existing portfolios
- Incorporation relief eligibility
- Group structures for larger portfolios
- Holding-company architecture and dividend planning
Section 24 and income tax structuring
The mortgage interest restriction has changed the maths for higher-rate individual landlords. Some of the work is straightforward (modelling whether the basic-rate credit covers it); some is about rethinking the structure (incorporation, sharing income, pension planning). Most of the work is about understanding the actual cash position your tax return is now hiding.
Areas covered:
- Section 24 impact modelling
- Income shifting to a spouse or family member
- Form 17 declarations
- Family partnership and trust structures
- Pension contribution strategies
Capital Gains Tax on disposal
When you sell, CGT is the bill that surprises landlords most often. The work is about getting the calculation right, but also about the timing — tax-year planning, spousal transfers, partial exemptions for periods of residence, and the way Principal Private Residence relief interacts with letting.
Areas covered:
- CGT computation and reporting
- 60-day reporting compliance
- Principal Private Residence relief on let property
- Letting Relief eligibility
- Spousal transfers before disposal
- Disposal timing across tax years
Long view: succession and inheritance
A portfolio is one of the most awkward things to pass on. The right structure now affects what is possible at the end. For investors thinking in decades — how the portfolio passes to family, what an eventual sale looks like, how to fund the IHT bill on a property-heavy estate — this is work that pays off precisely because it is taken seriously early.
Areas covered:
- Inheritance Tax planning on property estates
- Family Investment Companies
- Gifting and the seven-year rule
- Trust structures and protection
- Working with your solicitor on Wills and LPAs
A conversation first. Then numbers.
We do not give one-size-fits-all answers because property investors are not one-size-fits-all clients. The right answer for a single high-earning landlord with one BTL is rarely the same as for a couple building a portfolio together, or for a family wanting to pass property down two generations.
We start with a free initial conversation. We ask about the portfolio, the structure, what you are trying to achieve, and where the decisions are coming up. That tells us where the real value is and what kind of work makes sense.
Book a free conversationInitial call (no charge)
Tell us about the portfolio: what you own, how it is held, what you are thinking about. No commitment, no upsell.
We model the numbers
For structural questions, we model the actual cash position under each option on your facts. You see the answer, not a generic case study.
Written advice you can rely on
You get a written position you can share with your solicitor, your mortgage broker, or your family. Not a verbal opinion that disappears.
Ongoing where useful
For active investors, we stay involved across acquisitions, refinances and disposals. The right structure today is not necessarily the right structure in three years.
Investors, from Liverpool to Cheshire to Lancashire.
We work with property investors and landlords across the region — Liverpool, the Wirral, the Greater Manchester belt, the prime Cheshire corridor, and the growth zones of Lancashire. Most clients come by referral from solicitors, mortgage brokers or other investors, but the door is open either way.
Also see: Building or developing rather than holding? Our Property Advisory service covers developer VAT, SDLT, CGT and structure for active projects.
Liverpool · Wirral · Southport · Manchester · Salford · Stockport · Trafford · Bolton · Bury · Warrington · Widnes · Chester · Macclesfield · Wilmslow · Preston · Lancaster · Burnley · Blackburn
Have a portfolio decision coming up?
The decisions that move the most money are usually the ones made before the deal, not after. Talk to us first.
Book a conversation