Louise and Simon Misiewicz are a wife and husband team. We see our employees are part of a growing family and we include our clients in the same notion.
Optimise Accountants is designed to help both property investors and property developers to save tax on their property portfolio. We provide accounting support and pro active tax support whenever clients need it.
We are here to help our clients make more money and pay less tax on their property portfolio through our expertise and knowledge. We are passionate about being client focused and providing the best products and services.
We believe in the concept of continuous improvement in order to support and delight our clients now and in the future. We know that the very best ideas come from our clients and employees. We encourage them to share their ideas on new products and services. Are you interested in working in a company that specialises in property finance and tax but not yet experienced in this field? Our employees are supported through ongoing property investing and finance training to develop their skills, abilities and confidence.
Our employees tell us that it is great to work at Optimise Accountants because we care about them just as we care about our clients. We demonstrate this by giving flexible working, listening and acting on individual's needs, providing ongoing training and support to ensure our employee’s success.
BSc Hons, FCCA, ATT, MBA
A seasoned property investor and tax specialist. Focusing on buy to let property investments and developments.
Focuses on strategic tax planning and developing the online property tax portal for clients
BA Hons, MCIPS
Co-owner of Optimise Accountants and manages the day to day operations of the business. She manages Nadeem Raziqw and Emma Pincott to ensure that we deliver accounts for clients on timer whilst being as proactive as possible when delivering property tax advice.
ICEAW, ATT
ACCA, MAAT
ACCA, MAAT
ACCA
Louise always has time to answer every question either in the same session or another session and ensures you understand. Having worked with Optimise and Louise for many years now, having an accountant you can rely on, can check back on previous calls and filings saved me £1000 on my personal tax bill. A true and caring professional.
Laura was very helpful. We are purchasing an investment property and were odds about in what capacity to purchase. Laura answered my questions and gave advice. She then followed the call up with an email summary and a recording of our conversation so that Mike could read/listen to it too and we could make an informed decision.
Muhammed was particularly helpful and went out of his way to resolve outstanding issues, explaining everything very clearly.
An accountancy that gives you all the time you need and quality advice allowing you to make your own decisions. Excellent service.
Excellent service and advised to take a closer look at my portfolio as circumstances change and preparing for section 24 coming into full effect
I booked a 30minute consultation with Louise. Given that I currently reside overseas, the online platform in which I could upload questions beforehand so as to make the best use of the 30minute slot was extremely beneficial. Louise was extremely knowledgeable and provided valuable detailed feedback on our conversation. I highly recommend them and certainly intend to use their services again in the future.
Optimise accountants have been absolutely incredible since being a client of theirs for around 4 years. Always helpful and going that extra mile. Not only that but they have saved me lots of money due to their guidance. I could not imagine building my companies without Optimise. If I could give them review 10 stars, I would! Thank you!!
These guys are both incredible at what they do and bring a genuine desire to add value to people even in ways that dont have direct return. I love it!
Phone call to discuss relative advantages of putting part of our business in private manes compared to company name. Very helpful and I can now make an informed decision rather than just guessing.
I find that all of the appointments I have with Optimise are really good - extremely knowledgeable and likeable people. I do get a bit lost with how Optimise works though - I seem to have about 5 people who are acting on behalf as an accountant.
I needed advice on property investment. The accountant who advised me clearly knew a great deal about the subject and gave me a lot of useful information to put into action now and in the future. We covered so much during the allotted time, I hadn't been able to take many notes. I was delighted to learn that I would receive an email with a resume of the topics we discussed. I would use Optimise Accountants Ltd again and highly recommend them.
I don't know what I'd do without the guys at Optimise Accountants. Been a client for coming up to two years now and still find their ability to provide financial guidance and tax services in relation to my property portfolio invaluable. It's safe to say I received my ROI and more in the first few months of being a client. Thank you for all your support and work over the last two years.
Optimise have specialised knowledge of property as well as tax laws so they are in a position to provide excellent advice to property investors. I find each consultation with them extremely useful. Highly recommended
My session with Rob was very useful. Rob was really helpful, friendly and patient, which was much appreciated.
We also had a great session with Simon that’s helped us with our tax planning.
Had a zoom meeting with Ghania to work through my queries for both mine and husbands self assessment forms. Great to be face to face and Ghania was very helpful, friendly and knowledgeable. All my questions were answered in the 30 mins time slot.
Nadeem Raziq was very helpful and explained very clearly what I needed to do to resolve my tax issues. Thanks Nadeem. Marilyn
It is possible to gift a buy to let property investment to a child. In the majority of times, you will pay Capital Gains Tax (CGT) when passing a buy to let property to a child. However, using a trust wrapper allows you to use your IHT lifetime allowance rather than being charged CGT. See the article for more details: https://www.optimiseaccountants.co.uk/gifting-buy-to-lets-properties-to-children/
Transferring properties to a limited company from your personal name will in the majority of occasions incur a Capital Gains Tax (CGT) charge on uoi as the seller. You will also have a Stamp Duty Land Tax (SDLT) charge by the purchasing limited company. Both of these may be avoided using the incorporation reliefs of moving properties to a limited company via a partnership. Read our article here: https://www.optimiseaccountants.co.uk/how-to-incorporate-your-property-business-and-mitigate-sdlt-cgt/
Stamp Duty Land Tax (SDLT) is a tax that is paid by property investors and developers when a property is purchased. There is also the new 3% SDLT surcharge that applies to residential property investments. However, like many taxes SDLT is optional. As a property developer, it is possible not to pay SDLT on residential property investments. In this article, we explore the many ways in which SDLT may be avoided altogether: https://www.optimiseaccountants.co.uk/developers-do-not-pay-sdlt-on-flips/
Rent is normally VAT exempt. Therefore many landlords will not charge their tenant’s VAT on their rent. However, this is a little more complex for those that have serviced accommodation/holiday lets. Once your turnover exceeds £85,000 you will need to register for VAT. This could be a problem as you may lose business by charging this extra 20% cost. In this article, we explore the implications of VAT and how you could use the flat rate scheme to mitigate the potential negative impact. Article: https://www.optimiseaccountants.co.uk/vat-flat-rate-for-holiday-lets/
There are many ways in which you can extract money from a limited company. The most obvious ones are wages and dividends. However, there are many golden nuggets that may be extracted from your limited company gold mine. Please see this article to see how you can extract more than just wages and dividends. Article: https://www.optimiseaccountants.co.uk/extracting-cash-out-of-a-limited-company-2018-19/
Capital Gains Tax (CGT) will be charged when you sell a buy to let property and you have made a taxable gain. However, it is possible to minimise the amount of CGT that is paid to zero. Please read our article as we explore the many ways in which CGT may be reduced https://www.optimiseaccountants.co.uk/avoidance-of-paying-cgt-on-selling-an-investment-property/
Section 24 mortgage interest relief cap started to come into effect 2017/18 with the reduction of 25% to the amount of mortgage interest that is allowed to be offset against your property income. From 2020/21 landlords will no longer be able to offset mortgage interest against their property income. This means that the majority of landlords will pay more tax. In this article, we explore what Section 24 is, how it will affect you as a property investor and what may be done to mitigate its effect. Article: https://www.optimiseaccountants.co.uk/how-section-24-affect-property-investors/
