Property Structuring
How you hold your property investments can have a significant impact on your income tax, Capital Gains Tax, SDLT, and Inheritance Tax positions. The right structure from the outset — and regular reviews as your portfolio and tax position evolve — can materially improve your net returns over time.
What are the benefits?
Personal vs Company Ownership
We model the full tax implications of holding properties personally versus in a limited company, taking into account your income tax rate, mortgage finance costs, planned holding period, and exit strategy — to identify the most efficient structure for your portfolio.
Spousal and Family Arrangements
Where properties are held jointly with a spouse or other family members, income can be split across multiple personal allowances and tax bands. We advise on appropriate ownership structures and the tax considerations of transferring interests between family members.
IHT Planning
Residential property is fully subject to IHT. We advise on strategies to reduce the IHT exposure on your property portfolio, including gifting strategies, trust arrangements, and the interaction with business property relief where property is held as part of a business.
Portfolio Restructuring
As your portfolio grows and your personal tax position changes, restructuring may become advantageous. We review your portfolio structure periodically and advise on any restructuring that would improve your overall tax efficiency.
How can Zenus Tax help?
We model the tax position across different ownership structures for your portfolio
We advise on transfers of property interests between spouses or to family members
We review your portfolio structure periodically and recommend adjustments
We coordinate all tax aspects of property acquisitions, disposals, and restructurings
Frequently Asked Questions
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