What are the main benefits of incorporating a property portfolio?

Benefits can include full mortgage interest relief, potential for more efficient inheritance tax planning, and the ability to retain profits within the company at a lower corporation tax rate.

What are the main costs of incorporating a portfolio?

Key costs include Capital Gains Tax on the deemed sale of properties, Stamp Duty Land Tax on the transfer to the company, and professional fees for legal and accountancy services.

What is Section 162 relief for incorporation?

Section 162 relief can allow the transfer of a business (including a property business if it qualifies) to a company without an immediate Capital Gains Tax charge, provided specific conditions are met.

Will my mortgage be affected by incorporation?

Yes, transferring properties to a company usually requires new mortgages, as residential mortgages are typically not suitable for company ownership. Specialist limited company buy-to-let mortgages are needed.

Portfolio incorporation advice

The short answer

Moving a portfolio into a company

Price from: £400.00
Time on site: 1 to 2 hours

What you get

A consultation with an accountant to assess the feasibility, tax consequences, and benefits of incorporating your property portfolio.

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When do you need a Portfolio incorporation advice?

You need this service if you own multiple rental properties in your personal name and are considering moving them into a limited company for tax or structural reasons.

What happens on the day

The accountant will discuss your current property holdings, future plans, and financial goals. They will outline the potential tax implications (e.g., CGT, SDLT) and ongoing benefits or costs of incorporation.

How to prepare

List of all properties in your portfolio (address, value, mortgage details).
Current rental income and expenditure for each property.
Details of your personal tax situation.
Your long-term financial and property investment goals.
Any existing limited companies you own or operate.

How to improve your result

Obtain accurate valuations for all properties.
Understand your current Capital Gains Tax position.
Discuss your plans with a mortgage advisor first.
Consider the administrative burden of operating a company.

Why it is useful day to day

Informed portfolio incorporation advice can lead to substantial long-term tax savings, better financial planning, and clearer separation of personal and business assets for your property investments.

Why we ask these questions

We ask about your current property portfolio, ownership structure, and long-term goals to provide tailored advice. Understanding the value and mortgage status of your properties is crucial for assessing potential tax liabilities on transfer.