Investment & Property Tax Accountants for UK Investors
Clear, actionable tax advice on ISAs, pensions, stocks & shares, bonds/gilts, VCT/EIS and buy-to-let property tax—so more of your returns stay yours.
Why investors choose Optimise Accountants 🧠💼
📊 Investment tax first: We optimise structure, allowances and reliefs across ISA, pension, stocks & shares, bonds/gilts, VCT/EIS, and property tax.
🧩Joined-up planning: Personal, company and trust layers considered together for efficient outcomes.
🗂️ Fixed fees, plain English: Transparent pricing, clear steps—no surprises.
🛡️ Compliance + defence: Accurate filings, evidence packs, and support if HMRC asks questions.
🔄 Actionable reporting: Exactly what to change this tax year—and why.
Authored & led by: Simon Misiewicz, ACCA, ATT — Managing Director, investment tax advisor, and SWW member (for estate/will coordination where relevant). We publish practical guidance and stand behind the numbers we file.
👉Book a call to discuss our services.
Qualified Expertise
We only hire qualified advisors from ACCA and ATT. You’ll always speak with experienced, certified staff.
UK Based Professionals
Our specialists are based in the UK and speak perfect English, ensuring clear and effective communication.
Answering Your Questions
We respond to emails within three working days, providing timely and reliable support.
Investment Tax Services 🔍
Comparing UK Investment Structures
| Factor / Investment Type | ISA | Lifetime ISA (LISA) | Pensions | Stocks & Shares (Personal) | Buy-to-Let Property | Family Investment Company (FIC) |
|---|---|---|---|---|---|---|
| Tax on Growth | Tax-free | Tax-free | Tax-free | CGT on gains > £3k allowance | CGT on gains > £3k allowance | CGT on shares > £3k allowance |
| Tax on Income (Dividends/Interest/Rent) | Tax-free | Tax-free | Tax-free until withdrawal | Dividend tax: 8.75–39.35% | Rental profit taxed 20–45% | Corp. tax 19–25%, dividends 0% in Co. |
| Upfront Tax Relief | None | None (25% govt bonus on £4k p.a.) | 20–45% income tax relief | None | None | None (but profits taxed in Co.) |
| Withdrawal Tax | None | 25% penalty if before 60 | Taxed as income (25% tax-free) | CGT or dividend tax applies | CGT + Income tax on rents | Dividends taxed when extracted |
| Annual Contribution Limits | £20k | £4k | £60k (tapered >£260k income) | No limit | No limit | No limit (capital into company) |
| IHT Treatment | In estate | In estate | Outside estate if in pension | In estate | In estate (some relief BPR rules) | Shares can be gifted gradually |
| Liquidity & Access | Anytime | After age 60 or property purchase | After 55/57 | Anytime | Depends on property sale | Flexible dividends/share transfers |
| Risk Profile | Market risk only | Market risk only | Market risk only | Market risk only | Market + tenant risk | Market risk (depends on assets) |
| Costs & Complexity | Very low | Low | Low–Medium (advice fees) | Low | Medium (SDLT, legal, agents) | Higher (accounts, legal setup) |
| Best For | Tax-free growth/flexibility | First-time buyers + long-term savers | Retirement savings + IHT planning | Flexible investing | Income + capital growth + leverage | Wealthy families, succession planning |
🟦 ISA tax review: Contribution strategy, transfers, bed & ISA, dividend/interest positioning.
ISAs underused = tax on interest. You can shelter £20,000 each year; many higher-rate savers breach the £500 Personal Savings Allowance and pay unexpected tax on bank interest. We prioritise cash/short-term funds into ISA first.
🟧 Pension tax planning: Annual/carry-forward checks, salary/dividend balance, employer funding.
📈 Stocks & shares tax: Dividend and CGT planning, share pools, bed & spouse, loss harvesting.
Dividends now bite sooner. The dividend allowance is only £500; above that you’re at 8.75% / 33.75% / 39.35% depending on your band. We structure holdings and spouse allocations to reduce dividend tax, and use wrappers first.
Share “bed & breakfast” traps. Sell and rebuy within 30 days and the UK matching rules can wipe out a loss you thought you’d banked — or increase gains. We plan around the same-day/30-day rules.
🧾 Bonds & gilts: Coupon/discount treatment, accruals, gilt-specific rules, portfolio placement.
🚀 VCT & EIS support: Relief claims, carry-back, record-keeping, exit/clawback risk checks.
VCT/EIS clawbacks. VCT needs 5-year holding; EIS 3-year holding/qualifying period. Break the rules and 30% income tax relief can be clawed back. We check paperwork, claims, and exits.
🏠 Property tax for investors: Section 24 planning, company vs personal, transfers, CGT, IHT exposure.
CGT on portfolios & property — new rates, tiny allowance. The annual CGT exemption is £3,000 and residential property gains are typically 18%/24% for basic/higher-rate taxpayers. We plan disposals, pair gains/losses, and timetable transactions.
60-day property reporting. Sell a UK residential property with CGT to pay and you must report and pay within 60 days of completion — penalties apply if late. We calculate, file, and document through the HMRC service.
🏢 Company structures: SPVs/holdcos, remuneration, profit extraction and distributions.
✅ Tax returns & compliance: Self Assessment, CT600, relief claims, capital allowance schedules.
👉 Book a call to discuss our accountancy services.
How we work (simple, defensible, fast) ⚙️
Discovery call ☎️ — your assets, wrappers, goals, timelines.
We begin with comprehensive review of your investment portfolio, tax position, and objectives. This includes analysing current ISA/pension utilisation, investment structures, and identifying immediate tax-saving opportunities.
Investment tax review 🔎 — ISA/pension usage, dividend/interest mapping, CGT planning, VCT/EIS position, property tax.
Based on your specific circumstances, we develop detailed recommendations covering optimal investment structures, timing strategies, and compliance requirements. Our plans integrate across all investment types to maximise overall tax efficiency.
Action plan 🧭 — step-by-step changes, estimated tax impact, evidence list.
Implement & file 🧮 — returns and claims completed; documentation ready for HMRC
We handle all filing requirements including Self Assessment returns, corporate tax returns, and specialist claims for VCT/EIS relief. Our service includes ongoing monitoring to ensure continued compliance and optimisation as circumstances change.
Monitor 🔁 — adjust as rules (and your portfolio) change.
Professional Credentials and Standards:ACCA • ATT • SWW member for estate coordination. We reference current HMRC guidance in our working papers and maintain comprehensive professional indemnity insurance with HMRC agency status for all client representations.
Pricing
Book a call to discuss our services.
Elevate your financial results, tax mitigation and profit maximisation with our delivery focused, premium accounting services. We’ve designed every aspect of our service to offer you unmatched quality and peace of mind. Here’s what you get when you choose us:
– Expert Guidance: Receive advice from a fully qualified ACCA accountant. Say goodbye to doubts about the reliability of your financial advice from non-qualified others.
– Personalised Service: Enjoy a personal account manager’s dedicated attention and expertise. No more uncertainty about who to contact for your needs or repeatedly getting them up to speed with your plans and ideas.
– Prompt Responses: Get your emails answered within three working days. Forget about waiting weeks for a reply or having to chase.
– Convenient Access: Easily book Zoom/phone appointments with your dedicated qualified account manager online at any time of day or night. Access their calendar to schedule a time that works best for you.
– Proactive Solutions: Benefit from advice focusing on your success, not just HMRC compliance. No more wondering if you’re receiving the best possible guidance.
– Peace of Mind with HMRC: We hold HMRC agency status and insurance, acting as your representative for all HMRC enquiries. Rest assured that we’re handling your affairs and relationship with HMRC expertly.
– UK-Based Accountants and Account Managers: Articulate UK-based people supporting you and your business. No more struggling to understand or access your essential support team.
Don’t miss out on the opportunity to work with a trusted, competent team that takes your results beyond just reporting them. Join us now and experience the difference!
Book a call to discuss our services.
Self-Assessments: £58.29 + VAT Per Month
Book a sales call to learn more
Limited Company: £108.29 + VAT Per Month
Book a sales call to learn more
Trust & transparency 🔒
Professional credentials: ACCA • ATT • SWW member (estate/will coordination where relevant).
Compliance: We reference current HMRC guidance in our working papers and client packs.
GDPR: Secure client portal and documented data handling.
Scope: We provide tax advice and compliance; we do not provide regulated investment advice.
Do you give investment tips?
No. We’re accountants and tax specialists — we optimise investment tax and complete the filings.
Can you sort ISAs and pensions as well as buy-to-let?
Yes — we coordinate ISA, pension, stocks & shares, bonds/gilts, VCT/EIS and property tax in one joined-up plan.
Will you handle VCT/EIS claims and evidence?
Yes — including relief claims, carry-back, holding-period monitoring and exit checks.
I sold a rental — can you do the 60-day return?
Yes. We calculate the gain, prepare the HMRC 60-day report, and advise on payments/records.
What are your fees?
Fixed-fee scopes with clear deliverables; no surprises.
