£1,500 ex VAT
Company formation, initial accounts setup and first-year compliance support.
Specialist advice · Property portfolio structuring
A decision appraisal for landlordsKnow whether incorporation works before you move a property
Section 24 mortgage interest restrictions can squeeze landlord profits. We model your portfolio property by property, including the tax cost of moving it and the point at which any saving breaks even.
Get your quoteScope of the report
Your current position, the cost of change and a five-year view
The result is a 25 to 40-page PDF with an executive summary, built from your actual ownership, finance and tax position.
- Income tax liability calculations at current and projected rental income levels
- Mortgage interest restriction impact analysis under Section 24
- Effective tax rate analysis across your portfolio
- Property-by-property incorporation suitability assessment
- Embedded capital gains and SDLT exposure calculations
- Mortgage portability and lender consent assessment
- Five-year projection comparing personal and company ownership
- Annual tax savings, cumulative benefit and breakeven timeline calculations
- Phased transfer strategy with recommended sequence and timing
- TAAR and GAAR risk assessment with HMRC enquiry profile
- Property-by-property data sheets with individual recommendations
- SDLT worksheets, capital gains tax schedules and a dividend extraction guide
Advice is signed by the adviser who gave it, with the date and the facts it relied on. If your plans change, the advice is reviewed rather than stretched.
Priced by portfolio sizeImplementation support Lender liaison Annual review
The fee is agreed before the analysis starts
Standard
3 to 5 properties
£1,500 ex VATProfessional
6 to 10 properties, with extended analysis and scenario modelling
£2,500 ex VATEnterprise
11 to 20 properties, including complex structure and IHT considerations
£4,000 ex VATComplex
20+ properties or a multi-entity portfolio
From £5,500 ex VAT£500 ex VAT
Direct communication with lenders about consent and transfer requirements.
£750 a year ex VAT
Updated projections and strategy as the portfolio changes.
How the work runs
From portfolio facts to a signed recommendation
Enquiry and qualification
Complete a short online form. We send pricing and a service overview, with a 15-minute qualification call if needed.
Engagement and payment
Payment is collected by Stripe, with a 50% deposit and 50% on delivery. You receive a welcome pack and client portal access.
Data collection
The questionnaire covers property details, purchase prices, current values, rental income, mortgage positions and personal tax information.
Report delivery
A senior accountant quality-reviews the report before it is delivered through the client portal within 10 working days of complete data.
Decision points
Section 24
Since April 2020, individual landlords receive a basic rate 20% tax credit for finance costs rather than full mortgage interest relief. The effect is greater for higher and additional rate taxpayers.
When incorporation may not fit
Large embedded gains, unavailable lender consent, basic rate tax status or a plan to sell soon can change the answer. Each property is considered separately.
The SDLT point
SDLT may apply to market value when property moves to a company even without a third-party sale. The report calculates that exposure for each property.
Information required
Addresses, purchase dates and prices, current values, rents, mortgage balances, interest rates, lender names, personal income, tax band, goals and constraints.
Timing
Delivery is within 10 working days after complete data. Gathering that data typically takes one to two weeks, depending on complexity and availability.
A clear answer on incorporation
Get startedDo not let Section 24 erode rental profits without testing the alternatives
Your portfolio is unique. Generic advice cannot show whether the cost of restructuring is justified.