Nice video. A big benefit for me of owning property through a limited company is being able to add my daughters (currently 12 and 10) as company directors. When I die they can continue to reap the benefits of the portfolio without having to pay inheritance tax.
APG As an expat living outside of UK, looking at setting up a FIC and build a portfolio that way, allowing for ltd benefits as well as succession planning
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I currently have 2 btl in personal name. Trying to decide how I go from here. I’m a sole trader for my day job and thinking of going ltd for day job and keep buying in personal name. Main reasons are cheaper mortgages and cheaper accountancy fees. I would then just restrict the amount of money I pay myself from ltd Co day job and use the rental money as wages keeping myself below higher rate tax. I could then use excess profits in the ltd Co to pay for allowable expenses, pension etc.
So long as you keep yourself down to a 20% Income Tax payer (say by increasing pension contributions in your normal job), then owning properties in your OWN name avoids the problem of extracting profits from your limited company. Sure, buy them via a limited company when you can no longer remain a 20% tax payer.
I'm a 40% tax payer and right from the beginning I set up my LTD company. 1. for tax reasons, 2. because I wanted the risk to be on the company and not me. 3. I see it a tax free investment vehicle. I provide the equity in the form of a directors loan and then when the business turns a profit i'll begin returning my loan to myself. Once I'm ready to buy again i'll start the whole process again. My intention is to keep adding as many as possible during my life. Currently have two properties, about to add a third
I’m an aspiring house flipper, haven’t started a portfolio yet as I’m still getting my head around a few things. I’m going to be setting up a Ltd Co as a side business purely for, and as you mentioned in the video, for protection. I’m an electrician full time so I’ll be doing a lot of the work myself, and any profit made will be staying in the company accounts as I can live off my full time wage 👍🏼
Why not consider transferring the corporate profits to a SIPP or a SSAS pension to provide for your retirement and to reduce therefore the declared earnings legitimately and so pay less Corporation Tax? The limit is now £60,000 that can be thus transferred pee annum now, before you start to consider using past unused allowances.
Good luck mate - I’d love my son to take up a trade such as being an electrician/joiner… if you get the correct properties your ability to make a bigger profit from flipping if you have the skills to do much of the remodeling is enormous compared to someone like me who has to employ tradesmen. My portfolio is in a Ltd company and it will eventually be my pension. All the best on your property journey fella
The reason for the introduction of Section 24 was that it levelled the playing field between property investors and house buyers who were bidding on the same houses. Investors had the advantage of having their mortgage interest payments subsidised by having tax relief, whereas the ordinary buyer did not.
‘Levelled the playing field’? You clearly don’t know what you’re on about. It’s a bit like saying, a company should not be able to deduct interest costs associated with the loans used for the purchase of vehicles that are required to undertake business activity, as private individuals aren’t able to do the same on interest they pay towards vehicle finance where the car is utilised for personal use!
@@ruhaluddin I know EXACTLY what I wrote, thank you very much! Do I agree with the change? No. Perhaps, individuals buying their own homes should be able to offset the mortgage interest expense? We had something like that under MIRAS. However, it was abolished as too expensive and people did not need to be incentivised to buy property anyway. The next, obvious, step is to stop limited companies being able to deduct the financing interest on property purchases...
@ruhaluddin Actually, it DID level the playing field! You and I might object to it, but it did what it was meant to, ie remove the advantage that property investors had over first time buyers looking for somewhere to love for themselves.
My husband is only on £23,000 a year so we have been advised by our property accountant to do it in our own name. It’s good to see that you mention the lower tax earners and doing it in our name, whereas most other property investors are saying do a Ltd company etc etc.
If he makes 6k average a year in rental income, that will boost his income to 29,000. Eventually if you are buying more and more, you will cross the 50k threshold
APG. Just one thing. I don't have 50K cash, I just have a house in a nice area of Leeds which is paid off. Probably worth about 400 K and another property which I let out and have a mortgage on. Your advice is appreciated.
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Is there a particular reason to constantly buy property? After a certain amount arent you essentially only buying for the sake of buying since you cant really make use of that extra money? My wife and i have maximised both our personal basic rate band with btl property. We were going to expand into a LTD company until i questioned what i need it for. Felt more like an addiction rather than a practical decision I figured we can save for a new main residence and pay down mortages in a few years. Then start investing in our children when they come of age.
APG want to know is it best to put my property as a plus company or just let it as a personal let. I’m a 10% tax payer atm. Want to avoid paying more tax and CGT later ? What is best
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Great video as always Jamie. So you only have up to 20 properties per company then you establish a new one for further properties and so on because it's easier to get lending this way? Thanks.
Those wanting to scale I would look into setting up a holding company which owns your property businesses. You can then loan each of your businesses money interest free without paying corporation tax as it comes off before your tax returns.
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Of course through limited company! Pay the max £60K pension through the LTD and this will completely offset any taxes for rent income that you get! So yeah, really, there will be zero tax...
Can do similar in personal name also - contribute to a pension to bring back to basic rate tax payer so s24 doesn’t apply but depends on other income salary I guess
@@SycAamore struggle possibly but I’m on £62k salary plus my portfolio is half with my wife’s whose on maternity / part time and got under the threshold on about £30k of rental income but did contribute £35k with tax relief plus & £8k of my salary into a DB pension. Actually I over contributed and I got a tax rebate when I submitted my self assessment
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@@SuccessBoosterAcademy I also like the video and I agree with your comment in principle. I just personally don’t appreciate “misleading” thumbnails. “Good” thumbnails, I’m here for!
@dyin2live83 thanks for the comments. I agree with you. Jamie 's thumbnails was definitely misleading. It was catchy, but I guess that was Jamie's goal- to catch our attention. 😮
@@SuccessBoosterAcademy, again, I agree with you in principle. It did grab my attention… But then, after realising it was misleading click bait, for me it gives a “🙄” effect. I think there are ways to be straight up and still get people’s attention. Though I do recognise that he got a lot of responses to his “call to action” so good for him! For other people, (like myself) it can leave one questioning, where else is he being creative with the truth 😏?
Excellent! The only issue is that should you sell any held in your own name, any holding gain would be subject to Capital Gains Tax. Whereas, if you sold a property for gain in a limited company, it would be subjected to Corporation Tax instead. Then this could be reduced with a personal pension contribution, pretty easy to achieve now that the limit is £60,000pa!! Frankly, you should probably aim to buy in your own name properties that you will hold forever and never sell, that way avoiding CGT. You could always extract the equity by remortgaging every decade or more often.
I have my own properties that pay me, but a limited company with a few rent to rents, that I don’t pay myself with. Do you think I should be paying myself enough to get to the 40% tax bracket? Anyone feel free to advise.
As for Jack and Sally...is there not some way to transfer their properties into a limited company? Sure, there would be loads of stamp duty to pay, but they could avoid going back to work. What about a transfer into an LLP and then into a limited company?
You can gift your property to a LTD once it is mortgage free, as it is your personal asset. With a mortgage the LTD company would need to buy it at market value…so pointless
@GG-mx9fj This does not sound correct. It is the owner's asset regardless of whether there is a mortgage or not. The market value must be used when taken on board by a limited company. If you disagree, could you kindly provide a link to an article or website that explains your methodology.
@@johnporcella2375 if you buy with LTD it can have a mortgage. However if in your own name and mortgaged it’s not your asset is it, because the bank has an interest in the asset. They gave you a loan based off your filings, not a ltd company. So you’d need to obtain consent from the mortgage lender, it may also be subject to CGT and SDLT. It’s possible then, just needs several steps to jump through first
Hi Jamie, great video, I really like the way you bash the taxes, LOL. I just started out renting my first property, as a private, none Ltd Co. I've got my mortgage set at the moment above the minimum payments and have asked from the tenant to pay £150 more than that to cover maintenance if needed. I'm going to keep paying the higher rate to the mortgage company to get the property paid for early and keep the £150 building up. I going to keep myself with in the 20% tax bracket trough my other full time job including the rent.
Hi Jamie. Im inheriting a property. I want to flip it to sell on, then buy to flip. I will have enough cash, so wont need a morgage. Not interested in rentals. Im in the trades, so have some experience on flips. Question.. ltd or not ?
Probably as you’ll likely be triggering the higher income tax bracket when you flip. Trades you’re probably already earning a good pay so it wouldn’t take much profit to put you into the higher bracket
1 BTL in my personal name, almost ready to buy another but considering doing it through a ltd company. Is it worth setting up Ltd for second and transferring ownership of personal BTL when mortgage term ends? Current sat just below £50k tax threshold, many thanks
It's worth setting up a Ltd company if you plan on expanding until your gross income exceeds £50,271. If that's the case, then yes, you should set up Ltd for your second BTL. However, you should keep your 1st BLT in your own name for two reasons - it will be expensive because you'll have to pay 3% in Stamp Duty + legal fees. Also, it's good to have one BTL in your own name because you can include it in your £12,570 of non-taxable income when this is your only source of income (I'm not a legal adviser so seek advice if unsure. This is just my opinion)
Please, a quick question. So far i have one BTL property, under my name. But I also have a LTD. company. Should I then transfer the BTL from my personal name under the LTD?? Many thanks in advance guys. And Jamie, many thasnks for good videos.
I'm in a situation where I will be moving abroad and was hoping to keep my home to rent it out. What would the best route to go down? BTL or carry on with my usual mortgage?
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APG Would you be able to work with someone looking for a Sharia Compliant financing portfolio. I know a lot of people with the funds that would only look at these type of financing in their property portfolio. Gatehouse Bank provide such financing as long as minimum 75k per property.
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another option is to use a partnership with the right person. Also depends on the type of property you invest in (HMOs?), whether you want to fully reinvest property profits or whether you want to take the money out and to what extent. Also from those I know those people who have cautiously built portfolios and not continually leveraged themselves to the max, kept LTVs and mortgage costs under control and at the lower end can and will survive even if outside a company.
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Great content, we have seen so many other investors jump straight into the ltd company route when they didn't need to. Harder to get cash out of a Ltd company. We have a portfolio in our own names and to keep us in the lower tax bracket we are now buying in a ltd company. Just a quick question is there a vehicle out there where we can transfer the properties that are in our own names into the ltd company without the stamp duty having to be paid? eg trusts
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Question myself and my partner are not married, if i go basic rate ato 50k a year which is only %20, what would happen if my partner wanted to do the same? will we be in the 40% or is only %20?
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Hi, my question may be a bit out of context here. Any advice will be great. Im a sole proprietor and its my full time job, been leasing a property where i run my biz for over 5 years now. Would it be better if i convert my sole proprietor to a limited company and buy a property thru the company?
APG - just about to purchase 4th btl and torn between keeping properties in own name or maybe going as Ltd. Currently all in personal name as this is only income in my name. Hubby is on the mortgages but properties are all in my name only. He is salaried. Which way should I go?
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APG - Completely agree with you mate, section 24 is just ridiculous. I currently own 2 buy to lets in my personal name and I'm now debating on how to buy the third one, in my personal name or in a Limited Company. One thing I've noticed is the mortgage fees are absolutely insane to buy it through an LTD. Not only is the interest rate much higher, the product fee for the mortgage is almost double. I've seen product fees as high as 7% if you're buying it through a LTD compared to around 3% in your personal name. Not to mention the annual cost to have an accountant do the taxes for the company. All these littles costs add up and makes me wonder if it's even worth it. Then let's not forget, you pay your 25% corporation tax on the profit and then when you extract some profits as dividends, you personally pay tax on the dividends. So am I missing something here? Where is the incentive to purchase it through the LTD other than being able to offset the mortgage payments? Even if I'm a higher rate tax payer, I've still payed 25% corporation tax on the profit and now 33.75% tax on any dividends I take out. I just don't see where it makes sense.
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I'm looking into directors loan account where you can pay yourself the money back tax free which you "loaned" the company to buy the BTL? Going to speak to an accountant about this next week.
@@raymondwuimanyiupianist4164 Yea I was looking into this as well. From what I understand, you lend your LTD company money from your personal account, let's say £50K and you charge interest on that money and slowly extract it back out from the LTD company as and when you want. As it's a loan that the company is repaying, there is no tax on this.
I am literally in the same situation, and also dont see the benefit of buying through a company as the moment you take it out to use the money you end up paying just a smuch tax as if it wa sin personal name. Also more expense and more work to do to run a company, all the bookkeeping is a pain. Did you get any advice in the end?
Can you refinance a buy-to-let in a PERSONAL NAME to generate funds for purchasing another buy-to-let in a limited company? Or are the released funds just for personal use?
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Great Video . One question- I am one the way of buying first home through Ltd company . I just managed to open business acc through Tide . Do I need to transfer money to solicitor through tide or directly from my personal account ? Please advise
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Jamie, this example of Jack and Sally, you know that there is jurisprudence out there that means they could’ve incorporated all of their portfolio into a limited company without paying stamp duty tax because there is I’m sure ample evidence they’ve been running this is a business and this the only evidence that they need to bring to court if HMRC challenges them.
APG - Jamie I'd b einterested in what you've said and I do have some money sitting in my LTD company already but have never done any property work. Thanks
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APG I own a property that I live in with my family. I got probably £80k of equity I could release. My wife owns a property in her own name which she lets out and has got about £80k equity too. Can you help to build a portfolio
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Expenses aren't taxed. Assets are taxed. If you buy an additional property, the deposit is taxed because it's an asset which added value to the property. The mortgage is taxable but the interest is an expense. For example, if you pay a £25,000 deposit, that's all taxable because the company is worth £25,000 more. The interest didn't make the company worth more. The expenses didn't make the company worth more (Obviously I'm assuming the deposit was income from rent within the company. If you lend the company a deposit from your own bank account then it's not taxed)
Yeah, unless they are mortgage free you can gift them to the company. Which should be the long term plan if you wish to avoid inheritance tax for example
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I'd like an answer to this question too. Also considering buying more properties, eventually in a LTD when the tax threshold is near 40%. @JamieYork give us a hand please.
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Let's get increasing it! Thanks! Head over to www.aspirepropertygroup.co.uk/?UA-camOrganic and fill in your details, and a member of my team will be in touch! 😊
@ Jamie York: I thought you dont look at the price, but at the value.. guess what.. you get value for your tax.. security, roads and other infrastructure, service such as firefighters and health.. what else? Greetings from the Congo
@JamieYork .. hmm.. fair point I guess.. not great here either, nor in the Netherlands. Would you rather decrease price or increase value? Or is there a third way?
That's a great question actually. I would: 1) No one gets taxed up to £30k 2) 30% tax across the board after 3) The country can only be led/ at least the economic decisions, by business leaders. If you haven't run a business, you shouldn't run a country 4) Delayed tax on new businesses. No tax for the first 5 years, on the basis that the tax saved gets reinvested into the business Something like that. In short. More tax over the long run, and higher value deployment
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Ltd would be better than personal name but LLP if you plan to grow. Again seek advice from accountant so you are aware of all associated costs and pros and cons
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APG , Hi, I'm new to property investing. I'd like to get into buying an auction property, renovate and flip, then maybe sercived accommodation. I've worked in Railway construction and maintenance for 20 years and i really need a career change.
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I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Elizabeth Frankel.
My biggest gripe about the section 24 law is that we were not given the opportunity to move our portfolio into a limited company without cost or little cost. Just straight into S24
So I earn £42k salary and get bits of overtime that bumps it up abit more if I get a buy to let property that turn more than 8 k a year should I think more down the Ltd route? Thanks for the great videos really informative.
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Just go North. Everything is friendlier, less crime and cheaper. Labour for repairs much cheaper. Plus property will highly likely go up more and go down less over longer periods. Plus tenants stay longer so no need for estate agent commisions. Besides if you end up with 3 small houses you can just sell one at a time!
It was harsh, but it wasn’t brought in over night, it was phased in by the government over a number of years I believe! U can sell your personal portfolio to your Ltd company but then you have stamp duty, personal capital gains etc! You would need to sit down and crunch the numbers to see which way would be best for your circumstances
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Nice video. A big benefit for me of owning property through a limited company is being able to add my daughters (currently 12 and 10) as company directors. When I die they can continue to reap the benefits of the portfolio without having to pay inheritance tax.
APG
As an expat living outside of UK, looking at setting up a FIC and build a portfolio that way, allowing for ltd benefits as well as succession planning
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APG
APG. I'm in a similar scenario as @shafikhan2220. Any advice welcome
Apg
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I currently have 2 btl in personal name. Trying to decide how I go from here. I’m a sole trader for my day job and thinking of going ltd for day job and keep buying in personal name. Main reasons are cheaper mortgages and cheaper accountancy fees. I would then just restrict the amount of money I pay myself from ltd Co day job and use the rental money as wages keeping myself below higher rate tax. I could then use excess profits in the ltd Co to pay for allowable expenses, pension etc.
Thanks Kevin, great ideas! 🤗 Very smart.
Intrest rates are the same in limited company as individial with some lenders. Just done one now
So long as you keep yourself down to a 20% Income Tax payer (say by increasing pension contributions in your normal job), then owning properties in your OWN name avoids the problem of extracting profits from your limited company. Sure, buy them via a limited company when you can no longer remain a 20% tax payer.
What’s the best lease hold or free hold on BTS ?
I'm a 40% tax payer and right from the beginning I set up my LTD company. 1. for tax reasons, 2. because I wanted the risk to be on the company and not me. 3. I see it a tax free investment vehicle. I provide the equity in the form of a directors loan and then when the business turns a profit i'll begin returning my loan to myself. Once I'm ready to buy again i'll start the whole process again. My intention is to keep adding as many as possible during my life. Currently have two properties, about to add a third
APG
I want to buy in limited company
APG
You sound like a real no-hoper.
APG
I’m an aspiring house flipper, haven’t started a portfolio yet as I’m still getting my head around a few things. I’m going to be setting up a Ltd Co as a side business purely for, and as you mentioned in the video, for protection. I’m an electrician full time so I’ll be doing a lot of the work myself, and any profit made will be staying in the company accounts as I can live off my full time wage 👍🏼
Love that Jack!
Why not consider transferring the corporate profits to a SIPP or a SSAS pension to provide for your retirement and to reduce therefore the declared earnings legitimately and so pay less Corporation Tax? The limit is now £60,000 that can be thus transferred pee annum now, before you start to consider using past unused allowances.
Good luck mate - I’d love my son to take up a trade such as being an electrician/joiner… if you get the correct properties your ability to make a bigger profit from flipping if you have the skills to do much of the remodeling is enormous compared to someone like me who has to employ tradesmen. My portfolio is in a Ltd company and it will eventually be my pension. All the best on your property journey fella
@@benjohnsmith thank you buddy. Hope your portfolio is growing handsomely too!
The reason for the introduction of Section 24 was that it levelled the playing field between property investors and house buyers who were bidding on the same houses. Investors had the advantage of having their mortgage interest payments subsidised by having tax relief, whereas the ordinary buyer did not.
‘Levelled the playing field’? You clearly don’t know what you’re on about. It’s a bit like saying, a company should not be able to deduct interest costs associated with the loans used for the purchase of vehicles that are required to undertake business activity, as private individuals aren’t able to do the same on interest they pay towards vehicle finance where the car is utilised for personal use!
@@ruhaluddin I know EXACTLY what I wrote, thank you very much!
Do I agree with the change? No. Perhaps, individuals buying their own homes should be able to offset the mortgage interest expense? We had something like that under MIRAS. However, it was abolished as too expensive and people did not need to be incentivised to buy property anyway.
The next, obvious, step is to stop limited companies being able to deduct the financing interest on property purchases...
@ruhaluddin Actually, it DID level the playing field! You and I might object to it, but it did what it was meant to, ie remove the advantage that property investors had over first time buyers looking for somewhere to love for themselves.
The problem when you incorporate is when the Government have a captive audience they will move gole posts to draw in more taxes😢
My husband is only on £23,000 a year so we have been advised by our property accountant to do it in our own name. It’s good to see that you mention the lower tax earners and doing it in our name, whereas most other property investors are saying do a Ltd company etc etc.
If he makes 6k average a year in rental income, that will boost his income to 29,000. Eventually if you are buying more and more, you will cross the 50k threshold
User… but then they would stop in the personal name and start buying in the Ltd company
APG. Just one thing. I don't have 50K cash, I just have a house in a nice area of Leeds which is paid off. Probably worth about 400 K and another property which I let out and have a mortgage on. Your advice is appreciated.
Take out a massive loan on the property and buy loads more in a PLC.
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I’m in a similar situation and would appreciate some advice too
But how can u extract money out of the business when corporation tax is 19% and dividend tax is 33.74% ? Paying 54% tax would destroy your profit.
Ohhhh now THAT’S a great video idea. In short you LIVE through the business as much as possible
Is there a particular reason to constantly buy property? After a certain amount arent you essentially only buying for the sake of buying since you cant really make use of that extra money?
My wife and i have maximised both our personal basic rate band with btl property. We were going to expand into a LTD company until i questioned what i need it for. Felt more like an addiction rather than a practical decision
I figured we can save for a new main residence and pay down mortages in a few years. Then start investing in our children when they come of age.
APG want to know is it best to put my property as a plus company or just let it as a personal let. I’m a 10% tax payer atm. Want to avoid paying more tax and CGT later ? What is best
10% Tax? The team can chat to you about it: Head over to www.aspirepropertygroup.co.uk/?UA-camOrganic and fill in your details, and a member of my team will be in touch and will help and advise you on your situation further! 😊
Great video as always Jamie. So you only have up to 20 properties per company then you establish a new one for further properties and so on because it's easier to get lending this way? Thanks.
Don’t have cash but equity in my property, can we use this?
Those wanting to scale I would look into setting up a holding company which owns your property businesses. You can then loan each of your businesses money interest free without paying corporation tax as it comes off before your tax returns.
Not sure how favourably the commercial lenders view holding companies for funding BTL?
@@kellysimes8238same thought.
@@kellysimes8238Do they need to know? Surely you would just give them the property business name since the holding company isn't getting the mortgage?
APG Currently with a limited company set up and would like to know more on how to get a property portfolio set up
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Of course through limited company! Pay the max £60K pension through the LTD and this will completely offset any taxes for rent income that you get! So yeah, really, there will be zero tax...
Can do similar in personal name also - contribute to a pension to bring back to basic rate tax payer so s24 doesn’t apply but depends on other income salary I guess
@@philiphayton8261 If you're making six figures, how will you bring it back to the basic rate even if you're paying £60K for your pension?
@@SycAamore struggle possibly but I’m on £62k salary plus my portfolio is half with my wife’s whose on maternity / part time and got under the threshold on about £30k of rental income but did contribute £35k with tax relief plus & £8k of my salary into a DB pension. Actually I over contributed and I got a tax rebate when I submitted my self assessment
@@philiphayton8261 Btw, do you own your house? Once you see how these things work, it's just too tempting to not own it and instead invest it all...
@@SycAamore yes I do own my house with a small mortgage
APG
I am looking to find more information on how to build a property portfolio
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Clickbait thumbnail?
Thumbnails are one of the first thing our audience sees, so as UA-camrs we need to make our Thumbnails are good. I like the video.
@@SuccessBoosterAcademy I also like the video and I agree with your comment in principle. I just personally don’t appreciate “misleading” thumbnails. “Good” thumbnails, I’m here for!
Thanks for the heads up, I stopped watching
@dyin2live83 thanks for the comments. I agree with you. Jamie 's thumbnails was definitely misleading. It was catchy, but I guess that was Jamie's goal- to catch our attention. 😮
@@SuccessBoosterAcademy, again, I agree with you in principle. It did grab my attention… But then, after realising it was misleading click bait, for me it gives a “🙄” effect. I think there are ways to be straight up and still get people’s attention. Though I do recognise that he got a lot of responses to his “call to action” so good for him! For other people, (like myself) it can leave one questioning, where else is he being creative with the truth 😏?
After, the properties will be passed to my children..
What about Inheritance Tax ..
Personnel or Ltd Co ??
Both I have some in personal and now building into my Ltd company
Love that!
Excellent!
The only issue is that should you sell any held in your own name, any holding gain would be subject to Capital Gains Tax. Whereas, if you sold a property for gain in a limited company, it would be subjected to Corporation Tax instead. Then this could be reduced with a personal pension contribution, pretty easy to achieve now that the limit is £60,000pa!!
Frankly, you should probably aim to buy in your own name properties that you will hold forever and never sell, that way avoiding CGT. You could always extract the equity by remortgaging every decade or more often.
I have my own properties that pay me, but a limited company with a few rent to rents, that I don’t pay myself with. Do you think I should be paying myself enough to get to the 40% tax bracket? Anyone feel free to advise.
I am currently away to start to invest in property for my retirement but looking for as much advice as possible
LFG!
Great videos. New subscriber and enjoying everything I’ve watched so far🎉
As for Jack and Sally...is there not some way to transfer their properties into a limited company? Sure, there would be loads of stamp duty to pay, but they could avoid going back to work. What about a transfer into an LLP and then into a limited company?
You can gift your property to a LTD once it is mortgage free, as it is your personal asset. With a mortgage the LTD company would need to buy it at market value…so pointless
@GG-mx9fj This does not sound correct. It is the owner's asset regardless of whether there is a mortgage or not. The market value must be used when taken on board by a limited company.
If you disagree, could you kindly provide a link to an article or website that explains your methodology.
@@johnporcella2375 if you buy with LTD it can have a mortgage. However if in your own name and mortgaged it’s not your asset is it, because the bank has an interest in the asset. They gave you a loan based off your filings, not a ltd company. So you’d need to obtain consent from the mortgage lender, it may also be subject to CGT and SDLT.
It’s possible then, just needs several steps to jump through first
Hi Jamie, great video, I really like the way you bash the taxes, LOL. I just started out renting my first property, as a private, none Ltd Co. I've got my mortgage set at the moment above the minimum payments and have asked from the tenant to pay £150 more than that to cover maintenance if needed. I'm going to keep paying the higher rate to the mortgage company to get the property paid for early and keep the £150 building up. I going to keep myself with in the 20% tax bracket trough my other full time job including the rent.
Hi Jamie. Im inheriting a property. I want to flip it to sell on, then buy to flip. I will have enough cash, so wont need a morgage. Not interested in rentals. Im in the trades, so have some experience on flips. Question.. ltd or not ?
Probably as you’ll likely be triggering the higher income tax bracket when you flip. Trades you’re probably already earning a good pay so it wouldn’t take much profit to put you into the higher bracket
1 BTL in my personal name, almost ready to buy another but considering doing it through a ltd company. Is it worth setting up Ltd for second and transferring ownership of personal BTL when mortgage term ends? Current sat just below £50k tax threshold, many thanks
It's worth setting up a Ltd company if you plan on expanding until your gross income exceeds £50,271. If that's the case, then yes, you should set up Ltd for your second BTL. However, you should keep your 1st BLT in your own name for two reasons - it will be expensive because you'll have to pay 3% in Stamp Duty + legal fees. Also, it's good to have one BTL in your own name because you can include it in your £12,570 of non-taxable income when this is your only source of income (I'm not a legal adviser so seek advice if unsure. This is just my opinion)
Please, a quick question. So far i have one BTL property, under my name. But I also have a LTD. company. Should I then transfer the BTL from my personal name under the LTD?? Many thanks in advance guys. And Jamie, many thasnks for good videos.
...and I am planning to buy more BLTs, yes (with APG as well haha). Cheers
You can't transfer it, you have to sell it to your LTD company thus pay stamp duty/ legals and any capital gains tax again
@@Andy5c Not always true. There are people out that who can do this without SDLT and the rest. Check out Property 118.
@@Andy5c many thanks Andy 👍🙏
How does these impact a foreign buyer?
I'm in a situation where I will be moving abroad and was hoping to keep my home to rent it out. What would the best route to go down? BTL or carry on with my usual mortgage?
Apg. I need help to build my property portfolio
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APG
Would you be able to work with someone looking for a Sharia Compliant financing portfolio. I know a lot of people with the funds that would only look at these type of financing in their property portfolio. Gatehouse Bank provide such financing as long as minimum 75k per property.
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All U.K. citizen should pay stamp duty, whatever their religion. Tony Blair was wrong to pass that law.
Say no to Sharia in U.K.
another option is to use a partnership with the right person. Also depends on the type of property you invest in (HMOs?), whether you want to fully reinvest property profits or whether you want to take the money out and to what extent. Also from those I know those people who have cautiously built portfolios and not continually leveraged themselves to the max, kept LTVs and mortgage costs under control and at the lower end can and will survive even if outside a company.
I have 150k and live in Manchester how would you begin a portfolio with that much ?
Buy two HMO in LTD
That’s what I’d do. About £30k gross on each property as a ball park figure
Is there a way to change properties on personal name to llp or limited company? Does this mean stamp duty needs to be paid?
Yes and yes.
Add to stamp duty Capital Gains Tax.
It wont need to be paid. There is a loophole. Contact corporate tax advisors
@@ertugrulshah4209 lol.
Thank you for this video. APG
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If I transferred my personal properties to a limited company, would they be free from inheritance tax?
Yes but they need to be mortgage free before the transfer
I own a property in my name that i want to rent when i buy my next property, should i keep it in my name or sell it and buy one through a ltd company?
If the property is used for short stay let/airbnb , can the mortgage interest still be taxable through an Ltd?
Think this is what’s changing isn’t it?
@@kellysimes8238Changing in 2025. Don’t bother
Why didn’t you mention CG from private to Co
Can you use the funds built up in the ltd as deposit for future purchases?
100%
Great content, we have seen so many other investors jump straight into the ltd company route when they didn't need to. Harder to get cash out of a Ltd company.
We have a portfolio in our own names and to keep us in the lower tax bracket we are now buying in a ltd company. Just a quick question is there a vehicle out there where we can transfer the properties that are in our own names into the ltd company without the stamp duty having to be paid? eg trusts
Hey, thanks a mill for the content.
APG
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Question myself and my partner are not married, if i go basic rate ato 50k a year which is only %20, what would happen if my partner wanted to do the same? will we be in the 40% or is only %20?
Hi thanks for the advice
APG
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Hi, my question may be a bit out of context here. Any advice will be great. Im a sole proprietor and its my full time job, been leasing a property where i run my biz for over 5 years now. Would it be better if i convert my sole proprietor to a limited company and buy a property thru the company?
APG - just about to purchase 4th btl and torn between keeping properties in own name or maybe going as Ltd. Currently all in personal name as this is only income in my name. Hubby is on the mortgages but properties are all in my name only. He is salaried. Which way should I go?
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APG..own a 3 rental property...not limited...fully employed by NHS...
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APG - Completely agree with you mate, section 24 is just ridiculous. I currently own 2 buy to lets in my personal name and I'm now debating on how to buy the third one, in my personal name or in a Limited Company. One thing I've noticed is the mortgage fees are absolutely insane to buy it through an LTD. Not only is the interest rate much higher, the product fee for the mortgage is almost double. I've seen product fees as high as 7% if you're buying it through a LTD compared to around 3% in your personal name. Not to mention the annual cost to have an accountant do the taxes for the company. All these littles costs add up and makes me wonder if it's even worth it. Then let's not forget, you pay your 25% corporation tax on the profit and then when you extract some profits as dividends, you personally pay tax on the dividends. So am I missing something here? Where is the incentive to purchase it through the LTD other than being able to offset the mortgage payments? Even if I'm a higher rate tax payer, I've still payed 25% corporation tax on the profit and now 33.75% tax on any dividends I take out. I just don't see where it makes sense.
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I'm looking into directors loan account where you can pay yourself the money back tax free which you "loaned" the company to buy the BTL? Going to speak to an accountant about this next week.
@@raymondwuimanyiupianist4164 Yea I was looking into this as well. From what I understand, you lend your LTD company money from your personal account, let's say £50K and you charge interest on that money and slowly extract it back out from the LTD company as and when you want. As it's a loan that the company is repaying, there is no tax on this.
I am literally in the same situation, and also dont see the benefit of buying through a company as the moment you take it out to use the money you end up paying just a smuch tax as if it wa sin personal name. Also more expense and more work to do to run a company, all the bookkeeping is a pain. Did you get any advice in the end?
@@tobsstone I changed my mind now and don't really see the benefits of BTL at the moment...
Can you refinance a buy-to-let in a PERSONAL NAME to generate funds for purchasing another buy-to-let in a limited company? Or are the released funds just for personal use?
Yep… get the right lender. And then put the funds into your Ltd (DLA)
APG. Thanks for video
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Great Video . One question- I am one the way of buying first home through Ltd company . I just managed to open business acc through Tide . Do I need to transfer money to solicitor through tide or directly from my personal account ? Please advise
I would put the Kirby into your company account as a directors loan and then send from your company 😊
Hey I need help and advice!
APG!
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Thanks for the video.
APG.
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What about LLP. Thanks.you
Jamie, this example of Jack and Sally, you know that there is jurisprudence out there that means they could’ve incorporated all of their portfolio into a limited company without paying stamp duty tax because there is I’m sure ample evidence they’ve been running this is a business and this the only evidence that they need to bring to court if HMRC challenges them.
APG - Jamie I'd b einterested in what you've said and I do have some money sitting in my LTD company already but have never done any property work. Thanks
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APG
I own a property that I live in with my family. I got probably £80k of equity I could release. My wife owns a property in her own name which she lets out and has got about £80k equity too. Can you help to build a portfolio
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If u buy through a company and the company uses the profits to buy more property, does that reduce company profit and therefore tax bill? 🤔
Expenses aren't taxed. Assets are taxed. If you buy an additional property, the deposit is taxed because it's an asset which added value to the property. The mortgage is taxable but the interest is an expense. For example, if you pay a £25,000 deposit, that's all taxable because the company is worth £25,000 more. The interest didn't make the company worth more. The expenses didn't make the company worth more (Obviously I'm assuming the deposit was income from rent within the company. If you lend the company a deposit from your own bank account then it's not taxed)
@@MarkLikesCoffee860 great info thanks
How do you flip them into a LTD if you had already started in a personal name and you’re now stuck?
You have to sell them to your ltd company as far as I know
Yeah, unless they are mortgage free you can gift them to the company. Which should be the long term plan if you wish to avoid inheritance tax for example
Great video
APG
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Great video! APG
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APG... thanx for the understandable content
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APG - I'm looking to join BTL Market
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APG
Defo have a limited company for my BTL 😊
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APG. Thank you
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APG please
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Thanks Jamie
If you are living abroad and dont pay tax (0%), should you just buy it in your own name?
I'd like an answer to this question too. Also considering buying more properties, eventually in a LTD when the tax threshold is near 40%. @JamieYork give us a hand please.
APG - thank you
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Thank you Jamie.
APG. I have a single property under a LTD. company
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"It doesn't effect lower rate tax payers" please explain
@ Jamie York: I thought you dont look at the price, but at the value.. guess what.. you get value for your tax.. security, roads and other infrastructure, service such as firefighters and health.. what else? Greetings from the Congo
Haha… value for the tax we pay in the UK? There hasn’t been value for decades
@JamieYork .. hmm.. fair point I guess.. not great here either, nor in the Netherlands. Would you rather decrease price or increase value? Or is there a third way?
That's a great question actually. I would:
1) No one gets taxed up to £30k
2) 30% tax across the board after
3) The country can only be led/ at least the economic decisions, by business leaders. If you haven't run a business, you shouldn't run a country
4) Delayed tax on new businesses. No tax for the first 5 years, on the basis that the tax saved gets reinvested into the business
Something like that. In short. More tax over the long run, and higher value deployment
APG thanks
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How can I contact you?
Thanks APG
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I have 4 properties in my personal name, and completing on 5th, but i would like to know your views on LLP jamie, vs Ltd
Ltd would be better than personal name but LLP if you plan to grow. Again seek advice from accountant so you are aware of all associated costs and pros and cons
Thanks the accountants are the ones whos suggested this, i just dont know much about LLP,@@dch1648
@@dch1648 thanks appericate the advice the accountants have suggested llp but im not quiet sure what it intails
Is it possible to open a Ltd company and purchase a property straight away?
I hope so, as I've just started a company and put an offer on a property.
Do you pay your personal money for the deposit ?
That's how I did it. Setup the Ltd company last year and purchased through that. Looking to close on second soon.
APG
Tell me more
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APG , Hi, I'm new to property investing. I'd like to get into buying an auction property, renovate and flip, then maybe sercived accommodation.
I've worked in Railway construction and maintenance for 20 years and i really need a career change.
Definitely don’t do any of those as a newbie bud. You’ll lose money fast
Either keep it simple with BTLs, or get educated properly my man
Yes i would get educated first , I've booked into your Elite academy , Baz 😊
APG
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Reference not having £50k yes you do its your equity so with draw from mtg free property
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Elizabeth Frankel.
You are so welcome! Thanks for watching! Its been a pleasure 🙌
My biggest gripe about the section 24 law is that we were not given the opportunity to move our portfolio into a limited company without cost or little cost. Just straight into S24
That’s a VERY good point tbh. No one has actually said that to me before but it makes a lot of sense
So I earn £42k salary and get bits of overtime that bumps it up abit more if I get a buy to let property that turn more than 8 k a year should I think more down the Ltd route? Thanks for the great videos really informative.
APG 👍🏻
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APG 👍
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Just go North. Everything is friendlier, less crime and cheaper. Labour for repairs much cheaper. Plus property will highly likely go up more and go down less over longer periods. Plus tenants stay longer so no need for estate agent commisions. Besides if you end up with 3 small houses you can just sell one at a time!
Im self employed construction worker im looking to buy a place to let , i earnt around 35k last year . Ltd or own name for puchase
Can’t imagine 10k per month passive turning into £8k per year…that’s brutal….
Happened to a lot of people i know. 1 had 16,1 had 100 both no longer are landlords.
Yep its a bit of a body blow
It was harsh, but it wasn’t brought in over night, it was phased in by the government over a number of years I believe! U can sell your personal portfolio to your Ltd company but then you have stamp duty, personal capital gains etc! You would need to sit down and crunch the numbers to see which way would be best for your circumstances
APG. Only 30K but worth a shot.
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APG🎉
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Ltd only, 10 houses
Large houses personal only.
APG🗣
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APG holiday lets
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Section 24 is just there to stop Jo average from buying property as a second income and not being a ‘professional landlord’
Correct :)
APG!
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I have a btl property in my name. And 1 in a company.
APG, looking to add my property portfolio into a LTD company.
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