A little bit about us.

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.

Our pedigree.

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.

Meet the team.

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.

See our LinkedIn profile here: https://www.linkedin.com/company/862872/admin/

Simon Misiewicz.
Founder & Director

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

Louise Misiewicz.
UK Operations Director

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.

Nadeem Raziq.
Senior Lead Accountant

FCCA, ATT

Emma Pincott.
Senior Accountant

ICEAW, ATT

Muhammed Ahmed.
Accountant
Mohsin Qayyum.
Accountant
Lottie Hardy.
Trainee Accountant
Linette Coe.
Lead Accountant

ACCA, MAAT

Laura Unwin.
Lead Accountant

ACCA, MAAT

Ghania Ali.
Lead Accountant

ACCA

Tanya Vardy.
Administration

We love our clients, and they love us.

FAQs.

How can I gift my assets to my children to avoid IHT?

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/

How do I transfer a property into a limited company?

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/

When does Stamp Duty Land tax apply to property developers and when doesn’t it?

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/

What VAT considerations do I need to have for serviced accommodation?

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/

How do I extract cash out of a limited company in the most tax efficient way?

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/

How do I mitigate Capital Gains Tax on a disposal of an asset?

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/

How does Section 24 (mortgage interest relief) affect my tax position?

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/

Book a call to see how we can help you.