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Property Articles

How to use funds in your non-property company to tax-efficiently fund your property investing

First Published: September 2015 | Available in: Property Articles Your Property Network

By specialist property accountant Stephen Fay ACA

Most property investors have a ‘day job’ limited company – whether a contractor / consultant company, or a more traditional business – which has excess cash that can’t be extracted without incurring at least an 25% tax charge. This article looks at how such funds can be used for property investing, without incurring a tax charge. Continue Reading »

Mortgage interest relief restricted for landlords – part 1: Are you affected?

First Published: July 2015 | Available in: Property Articles Your Property Network

By specialist property accountant Stephen Fay ACA

The July 2015 Budget saw several key changes that will impact landlords in the future – by far the most important is the restriction on mortgage interest relief. This article explains the change, and enables readers to check if the affects them and approximately by how much, and provides some initial pointers as to how to mitigate the impact of this change. Continue Reading »

Are lender arrangement fees tax deductible for landlords?

First Published: May 2015 | Available in: Property Articles Property Investor News

By specialist property accountant Stephen Fay ACA

Most property investors use mortgage finance to buy their properties, and so have to pay a range of lenders fees – as well as interest – in order to do so.

This article looks at whether finance fees (NOT interest – this is covered next month) are tax deductible, and how relief can be obtained. Continue Reading »

Getting a tax deduction for employing your children in your property business

First Published: May 2015 | Available in: Property Articles Your Property Network

By specialist property accountant Stephen Fay ACA

Many property investors need help with managing their business, and involving their children has a number of potential benefits, both financially and otherwise.

This article looks at how investors can get a tax deduction for employing their children, or child in their property business, and how to ensure that this is done lawfully.
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How could investing in an SEIS-company help property investors?

First Published: April 2015 | Available in: Property Articles Your Property Network

By specialist property accountant Stephen Fay ACA

SEIS is the ‘Seed Enterprise Investment Scheme’ was introduced in 2012 and extended in 2014, and enables certain types of small companies to raise finance while offering generous tax incentives to investors.

This article looks at how SEIS tax reliefs work, both for income tax and capital gains tax, and key amounts and dates to be aware of when considering making an SEIS investment.
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I own jointly-held property – is this a tax partnership (and does it matter)?

First Published: March 2015 | Available in: Property Articles Your Property Network

By specialist property accountant Stephen Fay ACA

Many property investors own property in joint names with other investors, or a spouse, or a family member, or a friend. But is this a tax partnership, and if it is, does it matter

This article looks at property rental partnerships – what are they, what are the implications if you have one, and what should you do about it.

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Lessons from the World’s most successful investor

First Published: February 2015 | Available in: Property Articles Your Property Network

By specialist property accountant Stephen Fay ACA

Warren Buffett is widely acknowledged to be the world’s most successful investor. From a standing start he has built up a personal fortune of around £50 billion – and Buffet is well-known for his witty quotes, and his willingness to pass on his knowledge. He is known as the ‘Oracle of Omaha’ and the annual general meeting for his company, Berkshire Hathaway, is a mecca for investors world-wide, seeking pearls of wisdom from the world’s richest investor.

This article looks at Buffett’s most well-known tips and sound-bites, and looks at how these might apply to property investors.
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