Why Specialist Advice Matters in Property and Tax Planning

Specialist Guidance Real Peace of Mind

When it comes to properties, mortgages, and taxes, even a small mistake can have serious consequences. A recent high-profile example was the resignation of Angela Rayner, the UK’s Deputy Prime Minister and Secretary of State for Housing, Communities and Local Government, after an error with her own stamp duty bill.

Had she taken specialist tax advice at the right time, the story might have been very different. This is exactly why at Nachu Finance, we believe in seeking specialist opinion whenever circumstances move beyond the standard and straightforward.

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Transferring a Property to a Ltd Company: Does It Really Make Financial Sense?

Thinking of Moving

Structuring your buy-to-let portfolio under a Limited Company has become an increasingly popular strategy for landlords. But while this setup can offer clear tax advantages for new purchases, it’s not always suitable when transferring properties already held in personal names—unless the property was once your own residence.

This article walks through how Ltd company mortgages work, who they suit best, when transferring properties makes sense, and the key traps to avoid.

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Understanding Capital Gains Tax When Gifting or Inheriting Property

Capital Gains Tax - Property Gifting

Capital Gains Tax (CGT) is payable to HMRC on the gain made when disposing of an asset, including property. However, it’s not just sales that are classed as a disposal-gifting a property can also trigger CGT.
In this article, we explore the implications of gifting a property either fully or partially, how it differs from inherited property, and what happens when property is placed into a trust. We also look at Stamp Duty considerations and share a real-life case study involving a family who transferred property between siblings.

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