We explain property in a limited company in plain English, handle it correctly, and make sure you claim every relief you are entitled to, all at a fixed fee.
Property in a Limited Company
Holding rental property through a limited company can restore full mortgage interest relief and offer Corporation Tax rates, which appeals to higher-rate landlords hit by the Section 24 restriction, but incorporating an existing portfolio carries Capital Gains Tax and Stamp Duty costs that must be weighed.
We model whether a property company makes sense for you, comparing the tax on holding personally versus through a company, and if it does, advise on incorporating or buying future properties through a company, handling the whole structure correctly.
A company gets full relief for mortgage interest and pays Corporation Tax rather than higher-rate Income Tax, but transferring existing properties in can trigger Capital Gains Tax and Stamp Duty, so it suits new purchases or larger portfolios more than a casual switch.
The Detail That Matters
Holding rental property through a limited company restores full mortgage interest relief and offers Corporation Tax rates, which appeals to higher-rate landlords hit by Section 24. But incorporating an existing portfolio carries CGT and Stamp Duty costs to weigh.
Companies are outside the Section 24 restriction, so they get full relief for mortgage interest, and pay Corporation Tax (19% to 25%) on profits rather than higher-rate Income Tax, attractive for geared, higher-rate landlords.
Transferring existing properties into a company is a disposal for CGT and usually triggers Stamp Duty Land Tax on the company's purchase, real up-front costs that can outweigh the savings for a small portfolio.
Buying future properties through a company avoids those transfer costs entirely, so incorporation often suits new purchases and growing portfolios more than moving existing ones.
We model your tax holding personally versus through a company, including the incorporation costs, so any decision is based on real numbers rather than a rule of thumb.
Landlords often rush into a property company for the interest relief without weighing the CGT and Stamp Duty of moving properties in, which can wipe out the benefit for an existing portfolio.
Key Figures
How We Help
We model the tax of holding property personally against through a company, so you can see whether incorporating genuinely benefits you.
A company gets full relief for mortgage interest, unlike personal ownership under Section 24, which can significantly help higher-rate landlords.
Incorporating existing property can trigger CGT and Stamp Duty. We weigh these costs against the savings so you make an informed decision.
All the forms, calculations and correspondence handled on your behalf, so you never have to decode HMRC's rules or sit on hold.
A clear fixed fee quoted after a free call, your position explained in plain English, and never a surprise bill.
We act quickly, and where earlier years are involved we put those right too, reclaiming refunds or minimising penalties.
Landlords often rush into a property company for the interest relief without weighing the Capital Gains Tax and Stamp Duty of moving properties in. We model it properly so you only incorporate if it genuinely pays.
Recent Client Outcome
A higher-rate landlord hit by the mortgage interest restriction wondered whether to move their portfolio into a company.
What we did. We modelled the tax both ways, factoring in the CGT and Stamp Duty of incorporating the existing properties versus buying future ones through a company.
The outcome. Incorporating the existing portfolio was not worthwhile once the transfer costs were counted, but buying future properties through a company was, so we set up that structure.
Modelling it properly avoided a costly incorporation that would not have paid, while still fixing the problem for future growth.
Why People Come to Us
Questions Answered
Free fifteen-minute call. Fixed quote within twenty-four hours. Your return filed, every expense claimed, your bill explained, and salon VAT, payroll and accounts handled if you own a salon. Same accountant, start to finish.
Or email info@yourtaxhelp.co.uk, we typically respond within two business hours.
📅 Free consultation calls available weekdays 1pm to 3pm and 7pm to 8pm. Pick a slot that suits you.