Services for property investors

Our Principal, Stephen Fay ACA, is a fully-qualified Chartered Accountant specialising in all aspects of property taxation.� Few accountants understand property investment, and so are unable to advise clients properly about how to manage their property business.� Stephen has been a property investor since 1999 and himself has a substantial portfolio (see �Stephen�s property investment story�).� Stephen also speaks regularly at property networking events, landlord and BTL shows, and is an active poster on several property forums.

We offer an all-round, thorough service to property investors, including:

Ensuring your ownership structure is suitable for your circumstances

Should you own your properties in your personal name?� If so, should your spouse (if relevant) jointly own your properties with you?� With the tightening in the mortgage market, many investors are now using family & friends as �mortgage hosts�.� We can ensure that the appropriate Deed Of Trust is in place to split the beneficial ownership from the legal title.

Or, it may be that using a property company may be better for you.� We will work with you to explain the options, and advise you of the most suitable set-up structure for your circumstances.

Ensuring that your property rental profits are calculated correctly

For tax purposes, property investors are running a business.� This means that there is more scope to legitimately offset expenses against rental profits.� We ensure that every possible expense, allowance and claim is made to minimise your property rental profits.

We also provide property investors with various templates and checklists to help them to run their business.� These were designed by Stephen to help him to run his own portfolio, and are free to clients.

Constantly monitoring your tax strategy to ensure it remains appropriate

Stephen will ensure that he understands your property investment goals and strategy, so that changes can be made as necessary.� For example, many property investors have been making unexpected substantial rental profits as a result of the fall in Bank of England and LIBOR interest rates.� We have therefore had to ensure that appropriate changes are made to clients� tax strategies to minimise the tax exposure.� Adjusting the ownership structure, setting up a property company, and changing the property beneficial ownership structure are all tax planning options to be considered.� We work with investors to develop a cost effective, sensible tax planning approach.

Staying at the forefront of new developments in the property business

The property business is always changing, as new financing and marketing strategies are developed, and property investors need to understand the tax and business impact of these.� For example, seller financing and lease options are now coming into use, as instant remortgage and No Money Down strategies fade.� Stephen ensures he is full up to date with new developments, and proactively keeps clients informed via the blog and newsletter.

Keeping the �end game� in mind

Many investors are initially focussed on the acquisition aspects of property investment, and the process of building a portfolio.� Stephen will ensure that your long-term tax planning interest are considered.� Proactive and careful capital gains tax and inheritance tax planning can make a huge difference to the �back end� tax bills, as many investors wind down their portfolio and look to their retirement, as well as passing on their wealth to their family.

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