Setting Up a Property Investment Company for Free with Optimise Accountants
Optimise Accountants specialises in helping landlords set up UK property investment companies that offer significant tax advantages, especially for those affected by the Section 24 mortgage interest relief cap. This cap restricts landlords from offsetting mortgage interest against rental income when properties are purchased in their own name. By setting up a UK property investment company, landlords can minimise the impact of this restriction and access a range of other tax benefits.
We can help you set up a Family Investment Limited Company (FIC) or SMART structure within 5 days, ensuring it’s done efficiently and in a tax-effective manner.
During a 60-minute consultation, we’ll discuss the most suitable tax structure for your needs, how to manage share ownership and the best strategies for extracting profits from your company.
Why Use a Limited Company for Property Investment?
Using a limited company to purchase buy-to-let properties offers several benefits:
– Tax efficiency: The company will pay corporation tax (currently 19%) on profits, which is often lower than personal income tax rates.
– Mortgage interest relief: Limited companies can still fully deduct mortgage interest from rental income, which individuals cannot due to the Section 24 cap.
– Liability protection: A limited company offers protection from personal liability, safeguarding your assets if a tenant takes legal action.
– Inheritance tax savings: We can advise on structuring your company to pass wealth to future generations, reducing inheritance tax exposure.
A Free Setup for Retained Clients
At Optimise Accountants, we believe in building long-term relationships with our clients. If you become a retained client after setting up your property investment company, we’ll refund the fees paid for the setup, essentially setting up your company for free.
How We Help You
60-minute consultation: We’ll discuss your current investment structure, future plans, and who in your family should benefit from the property business.
Tax advice: We’ll advise on using the limited company structure in the most tax-efficient way, including how to manage shares, extract money, and minimize tax liabilities.
Full support: We provide guidance on everything from the tax structure to how to handle Inheritance Tax and property sales, ensuring you are well-prepared for any future challenges.
Why Choose Us Over Online Setups?
While it’s possible to set up a limited company online, cheaper alternatives may not offer the flexibility or tax protection you need. Online services typically provide ordinary shares, which don’t allow for the creation of freezer or growth shares, limiting your ability to minimize tax and manage wealth transfer efficiently. These structures also don’t offer the Inheritance Tax protection that our FIC/SMART setup provides.
By working with Optimise Accountants, you can avoid costly mistakes and ensure your property investment company is structured in the most efficient and tax-friendly way.
Take the Next Step:
Work with Optimise Accountants to schedule your consultation and find out how we can help you set up your property investment company for maximum tax efficiency.
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