Portfolio tax review
A full look across an existing portfolio: how each property is owned, what is being claimed, where the structure no longer matches the plan, and what the position looks like on eventual disposal or succession.
Advice across the full lifecycle of a property investment — from how it is bought and held, through how it is taxed each year, to how it is eventually sold or passed on.
Most work falls into one of these six engagements. They overlap — which is the point, because property tax heads interact and reviewing one in isolation is how savings in one place turn into costs in another.
A full look across an existing portfolio: how each property is owned, what is being claimed, where the structure no longer matches the plan, and what the position looks like on eventual disposal or succession.
Review before exchange, while the decision is still open. Ownership vehicle, stamp duty position, classification questions and the effect on the wider portfolio — settled before commitment rather than discovered afterwards.
Whether moving property into a company actually helps in your circumstances. A genuine two-sided analysis including the costs of getting there, not a default recommendation in either direction.
Capital gains position ahead of a sale: base cost and improvement evidence, available reliefs, ownership considerations and the timing decisions that sit either side of a tax year end.
How a property portfolio is expected to pass on, what the estate is likely to face, and whether the current arrangement leaves beneficiaries with an illiquid asset and a liability payable in cash.
For investors building rather than buying: trading versus investment treatment, VAT position on new build and conversion, and how multiple schemes should sit relative to one another.
Advice is worth most at the first and least at the last. Most people arrive at stage three. The work is considerably more valuable at stage one.
Stamp duty, ownership vehicle, funding structure. One-shot decisions with no realistic second chance once contracts exchange.
Annual rental profit, allowable expenditure, finance-cost treatment, and the running distinction between repair and capital improvement.
Capital gains computation, base cost and improvement evidence, reliefs, and the timing of when a contract is actually concluded.
What happens to the portfolio afterwards — how it is valued, how it is charged, and whether the estate can meet that charge.
The first conversation is a consultation, not a sales meeting. Its purpose is to establish whether specialist input would change anything in your situation. If it would not, we will say so — that answer costs you nothing and saves you a fee.
Where there is work worth doing, we scope it before starting and set out what is included. Advice is delivered in writing, specific to your circumstances, with the reasoning visible rather than a conclusion handed down.
Many clients keep their existing accountant for compliance and use us for portfolio and transaction decisions. That arrangement works well and we have no interest in disturbing a relationship that is doing its job.
Each of the taxes that bears on a property portfolio, what it actually catches, and where the decisions sit.
Rental profit, allowable expenditure and finance-cost treatment.
Acquisition charge, surcharges, reliefs and classification.
Disposal computation, base cost, reliefs and timing.
Estate exposure, succession and liquidity.
Trading treatment, VAT and scheme structure.
The five above brought into a single view.
A purchase under consideration, a portfolio that has outgrown its structure, or a disposal on the horizon. Call +44 7870 584425 or email info@bwinvestment.group.