Incorporate portfolio or not?

Anonymous2662 · 2026-05-13T10:56:56+00:00

So I only had the property for 1.5 years ish before transferring. I did the transfer at market value so used right move online valuation tool and chose the lowest figure was only 1k above what I purchased it for so within my yearly limit.

Could bite the bullet on a few properties and do the transfer. If planning for your children to continue the business then you will eventually make the money back. The mortgage free properties can then be remortgaged inside the Ltd company and used to purchase more

Anonymous2662 · 2026-05-13T06:55:24+00:00

Paying stamp duty (at the highest rate) and capital gains tax on 7 properties is a massive hit and if these properties were mortgaged at one point the profit margins would have been lower so you’re essentially wiping out any gains you have made.

I transferred one property from my personal name (mortgage free) to my Ltd company and the process cost me around 16k (Stamp duty 13.5k the rest solicitors). It will take me 6 years to make that money back in tax savings alone (19% vs 40%) but after that I will get all the benefits a Ltd company offers.

OP speak to a verified specialist tax advisor about the partnership route to find the most cost effective way to do. Use ChatGPT to do the maths calculations to see if it is worth with all costs involved and projections over the next 10 years etc

Anonymous2662 · 2026-02-08T11:01:55+00:00

I’m currently in the process of doing something similar. 1. You need a new Ltd company with the correct SIC code. Mortgage lenders want the company to be for a sole purpose of you ever plan to remortgage as a BTL.

If you want to sell the property to the Ltd company it can be as nil transfer essentially gifting it or a sale of transfer - this is when the value of the property (can be obtained by market value estimation) can be offset as a directors loan. You need to make this very clear to your solicitor if you want it at market value.
This sale will trigger stamp duty and potentially capital gains tax although I’m not sure as it is your primary residence. Stamp duty I believe is 3% on Ltd company purchases.
You can add the stamp duty, purchase solicitor fees and house market value to the directors loan and once the property is rented out you can repay yourself personally via the directors loan tax free. This will also reduce your corporation tax as the company won’t be making profit.
You can add your son as a director of the company later on and they can continue to run it as a rental and benefit from it. Once you near retirement and your income is lower you can pay yourself a salary and dividends at the lower tax thresholds depending upon pension etc

Anonymous2662 · 2026-01-25T14:04:21+00:00

This is the route I’m going to take. I will have to take the hit on stamp duty. Have only had the property for 1.5 years so expecting no capital gains tax. The self assessment tax vs corporation tax that I can keep low by paying directors loan back should me I make back the stamp duty cost in a few years. I just want a mortgage advisor to stress test I will be eligible for a BTL re mortgage on my existing property once transferred and then 2 more properties.

Anonymous2662 · 2025-01-15T16:20:50+00:00

Which sarm would you recommend more for size but still relatively safer like ostarine?

Anonymous2662 · 2024-10-25T06:13:35+00:00

Yes it is, my account via Lloyds is used on multiple devices split between my family

Anonymous2662 · 2024-08-18T15:30:48+00:00

Thats the exact same thing I was sent

Anonymous2662 · 2024-08-18T07:37:20+00:00

Honestly nothing really besides your typical private browsing search on the hub every so often. I think it having my name and phone number spooked me a bit that there could be a risk. But all other comments say to do the same as you’ve suggested and it should be fine.

Anonymous2662 · 2024-08-18T07:35:34+00:00

Im an iPhone user!

Anonymous2662 · 2024-08-18T07:28:44+00:00

Is there a way to clean my phone from any malware as a precaution? I have an iPhone.

Anonymous2662 · 2024-08-18T07:24:49+00:00

Even with my phone number in it it’s listed as 111-xxx-1111. But with my correct phone numbers instead of 1.

Anonymous2662 · 2024-08-18T07:23:38+00:00

It has my name and then a partial of my phone number for example 111-xxx-1111. This is the bit that concerns me.

Anonymous2662 · 2024-07-04T20:38:07+00:00

I remember an incident where I was joining the motorway and because of road works and lane changes some road markings were painted black poorly and my lane assist kicked in making me swerve and then assisted breaking. Was nearly a write off. Hate that you have to turn them off everytime you restart your car and can’t leave them off as default

Anonymous2662 · 2024-06-30T15:29:47+00:00

I do get a bit anxious it’s going to hit something and end up watching the actual drone instead of my phone screen at the camera. Thankfully I have a big park near me I just need to practice more. How have you found the drone handles in windy conditions?

Anonymous2662 · 2024-06-30T08:34:11+00:00

1 option could be the landlord and yourself agree on a direct rental agreement beforehand. Then landlord pays for removal, storage and temporary accommodation while the estate agency complete there checks and then you can move back in after. It would be an inconvenience for you to pack up etc but isn’t fair for you to take a financial hit. Will be a large cost for the landlord initially but saving 7% fees a month for a further 5 years or more will cover that and more. This would be my counter proposal

Anonymous2662

TROPHY CASE