Keep more of your rental income.

A property tax adviser looks at how your portfolio is owned, financed and run, and finds the structure that keeps the most tax-efficient result over time. That covers Section 24, whether to incorporate, buying in a company or personally, selling, extracting profits and inheritance tax. Good advice usually pays for itself many times over, because the decisions affect tax every year for as long as you own the properties.

It depends on your tax rate, your mortgages, the gains already built up in the properties and your plans. A company pays corporation tax on profits and isn't restricted by Section 24, which can help higher-rate landlords. But moving existing properties can trigger capital gains tax and SDLT, and taking money out of a company is taxed again. We compare both routes with your real numbers before you decide.

Section 24 stops individual landlords deducting mortgage interest from rental income. Instead you get a tax credit at the basic rate. If you pay tax at the higher or additional rate, you lose relief on the difference, which can be thousands of pounds a year on a mortgaged portfolio. It can also push your income into a higher band. Our free Section 24 calculator shows your figure in a minute.

Sometimes. Incorporation relief can defer the gain where you're transferring a property business, not just investments, in exchange for shares. The courts have said the letting needs to be run with real business activity, so it isn't available to every landlord. Where it doesn't apply, the gain may be taxable on transfer. We test your position carefully before anything moves.

Usually yes. A transfer to a company you're connected with is normally charged to SDLT on market value, including the surcharges for additional properties and companies. Some reliefs can reduce it, for example where a genuine partnership has been running the property business. SDLT is often the biggest cost of incorporation, so it needs working out before you decide.

A Family Investment Company is a private company used to hold property or investments, with parents keeping control and children owning shares that carry future growth. It can help with inheritance tax and with reinvesting profits at corporation tax rates. Setting one up with existing properties has the same CGT and SDLT issues as incorporation, so it often suits new purchases or cash best.

Rental property is usually treated as an investment, so it rarely qualifies for business relief. It's included in your estate and taxed at 40% above the available nil-rate bands. Gifts made more than seven years before death fall outside the estate, and Family Investment Companies, trusts and life insurance can all help. The earlier planning starts, the more options there are.

If you're UK resident and sell a UK residential property with capital gains tax to pay, you must report the sale to HMRC and pay the tax within 60 days of completion. The gain also goes on your Self Assessment return. Missing the 60-day deadline brings automatic penalties and interest, so it's worth planning before you exchange contracts.

Yes. After a free first call, we agree a fixed fee for the work upfront, in writing, before anything starts. You won't get an hourly bill or surprise extras. The fee depends on what's involved, for example a Section 24 review is simpler than incorporating a large portfolio, and we'll tell you exactly what's included.

The same working day. Send an enquiry, email or WhatsApp message, and our team will reply the same working day to arrange a call. If you're up against a deadline, such as a purchase completing or a 60-day CGT return, tell us and we'll prioritise it.

Your advice comes from a Big 4-trained team that includes ICAEW and ACCA Chartered Accountants, and every plan is reviewed by a Chartered Tax Adviser. We've advised more than 100 landlords and portfolios, incorporated more than £100m of property, and worked on portfolios of up to £30m. Property Tax Advisory is part of ASWATAX.

We focus on landlords with three or more properties, and on property companies and families with larger portfolios. That's where the structure makes the biggest difference and where specialist advice pays for itself. If you have fewer properties but a specific issue, such as a sale or an inheritance, get in touch and we'll tell you honestly whether we can help.

Yes. We focus on tax advice and planning, so we work alongside your accountant, who can keep your accounts and returns, and your mortgage broker, who arranges the finance. Incorporation in particular needs everyone working to the same plan, and we're happy to coordinate.

Yes. Landlords living abroad with UK property face their own rules, including the non-resident landlord scheme, the SDLT surcharge for non-resident buyers and capital gains tax on UK property. We advise UK property owners wherever they live.

A rough list of your properties is enough: how many, roughly what they're worth, what's mortgaged, who owns each one and when they were bought. It also helps to know your other income and your plans, for example growing, selling or passing the portfolio on. You don't need documents for the first conversation.

They're designed to show the scale of an issue, such as your Section 24 cost or the SDLT on a purchase, using current rates. They can't take account of everything, such as your full income, allowances and the history of each property. Use them to see whether it's worth a conversation, then we'll give you advice based on your actual figures.