Why landlords set up SPVs too late
Once properties grow in value, restructuring becomes expensive. Early planning preserves options.
SPVs are not just about saving tax today
They’re about reinvestment, scalability, risk separation, and exit flexibility — not just corporation tax rates.
Transferring property to children
This can trigger CGT, SDLT, and IHT issues if not structured correctly. Good intentions often create bad tax outcomes.
The biggest SDLT misunderstanding
“No money changing hands” does not mean “no stamp duty.” HMRC looks at debt and consideration, not just cash.
Personal ownership vs company ownership
This affects borrowing, profit extraction, inheritance, and future sales. There is no one-size-fits-all answer.
How landlords accidentally create IHT problems
Property growth inside an estate can create large inheritance tax bills without any cash to pay them.
When gifting property works — and when it doesn’t
The 7-year rule is only part of the story. Control and benefit still matter.
Why HMRC challenges family transfers
If the structure lacks commercial substance, HMRC will look through it — regardless of paperwork.
Group structures for property portfolios
Holding companies and SPVs allow flexibility, refinancing options, and cleaner exits.
Property investors need strategic accountants
Rent reporting is easy. Structuring, exits, and wealth planning require deeper expertise.
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