A Chartered Accountant/Chartered Tax Advisor reviews your whole portfolio before you start selling, then gives you a written plan you can act on. The order of disposals, the reliefs you can use, joint ownership, and whether a company structure helps or hurts.
The costly errors happen before the first sale completes: everything sold in one tax year, allowances wasted, spouse transfers never considered, or an incorporation that triggers tax it did not need to. A review costs a fraction of what those cost.
CGT is charged per tax year against that year's allowances and your income. Sell everything at once and you waste allowances and stack the gains; spreading sales across years can change the bill materially.
Transfers between spouses and civil partners are normally no gain, no loss. Used right, that can bring a second annual exempt amount and a second basic-rate band into play before a sale.
Section 24 changed the maths on geared portfolios, and incorporation tempts landlords as the fix. Done without checking, it can trigger CGT and SDLT it never needed to. The reliefs have strict conditions.
Tell us the shape of the portfolio and what you want to do: sell up, restructure, transfer to family, or move into a company.
A short callWe quote a fixed fee for the review. No hourly billing, no surprises. You decide before any work begins.
No obligationA Chartered Accountant/Chartered Tax Advisor works through your whole position and walks you through it on a call.
CharteredOrder of disposals, the reliefs and allowances that apply, the likely tax at each step, and what to do next. Yours to keep.
Yours to keepNo hourly billing, no surprises. You agree a fixed fee before any work starts, and the call itself commits you to nothing.
One fixed fee covers a look at the whole position, not one property at a time. If anything needs substantial extra work, we say so plainly and quote a fixed fee first. No surprise bills.
Three ways to plan the tax on a portfolio. Only one looks at every property together and hands you a chartered-signed written plan with the price agreed up front.
| Work it out yourself | High-street accountant | LetsFile review | |
|---|---|---|---|
| Price | Free | £ per hour | Fixed quote |
| Whole-portfolio view (all properties at once) | ✗ | Sometimes | ✓ |
| Order-of-disposals plan across tax years | ✗ | Sometimes | ✓ |
| Section 24 and incorporation on your numbers | ✗ | If asked | ✓ |
| Chartered Accountant/Tax Advisor sign-off | ✗ | If qualified | ✓ |
| Written plan you keep | ✗ | Maybe | ✓ |
| Price agreed before work starts | n/a | Often hourly | ✓ |
A good high-street accountant can do this too, often by the hour and one property at a time. The review looks at the whole portfolio together, agrees the price before it starts, and leaves you with a written plan you keep whether or not we do the filings.
Your figures and documents are encrypted in transit and at rest.
UK/EU-hosted. We only ask for what the review needs.
Your review is worked through by a Chartered Accountant/Chartered Tax Advisor.
You get a fixed fee before any work starts. No hourly billing, no surprise invoices.
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Book a scoping call
A short call with a Chartered Accountant/Chartered Tax Advisor. Tell us the shape of the portfolio and what you want to do, and you get a fixed quote for the review before any work starts. The call commits you to nothing.
Book the call →It depends on the size and shape of the portfolio, so we quote a fixed fee after a short scoping call. You know the price before any work starts, and the call itself commits you to nothing.
Capital Gains Tax is charged per tax year, against that year's annual exempt amount and your income for the year. Spreading disposals across tax years, or timing them against years when your income is lower, can change the tax materially. Selling everything in one year is often the most expensive way to do it.
Often, yes. Transfers between spouses and civil partners who live together are normally treated as no gain, no loss, which can put a second annual exempt amount and a second basic-rate band into play on a later sale. The detail matters (and the transfer must be genuine), which is exactly the kind of thing the review works through.
Sometimes, and sometimes it is an expensive mistake. Incorporation can trigger CGT and Stamp Duty Land Tax on the way in unless specific reliefs apply, and the reliefs have real conditions. We look at your actual numbers and tell you plainly whether it stacks up for you.
Since the Section 24 finance-cost restriction fully bit, landlords no longer deduct mortgage interest from rental profits and instead get a 20% tax reducer. For higher-rate landlords that raised the real tax on the same rent, and it is one of the main reasons people look at incorporation. The review puts your actual finance costs into the picture before you decide anything.
Yes. Each disposal of UK residential property with tax to pay needs its own return within 60 days of completion. Our Reviewed service files each one for £199, prepared and signed off by a Chartered Accountant/Chartered Tax Advisor.
A written plan you can act on: which properties to sell and in what order, which reliefs and allowances apply, what each step is likely to cost in tax, and what to do next. Yours to keep whether or not we do the filings.
Yes. Losses realised in the same tax year offset gains automatically, and claimed losses from earlier years carry forward against future gains. Which is exactly why the order you sell in matters: realising a loss-making property in the right year can shelter a profitable sale.
The review covers personally held portfolios and the move into or out of a company structure. If your properties already sit in a company, the questions change (corporation tax, how you extract value, what a sale of shares versus a sale of properties looks like) and we scope that on the call before quoting.
Before the first sale, ideally before anything is even listed. The most valuable moves (timing around tax-year boundaries, spouse transfers, the order of disposals) only exist while nothing has completed. Once contracts complete, the numbers are fixed.
This page describes the service in general terms and is not tax advice. Your position depends on your facts; that is what the review is for.
More on the taxes a portfolio review usually touches.
Fee-based advisory for landlords and property investors across CGT, income and structure.
The annual return that reports your rental profits and finance-cost reducer.
Where a property portfolio sits in your estate, and what passing it on can cost.
Each UK residential disposal with tax to pay needs its own return within 60 days.
Get the whole position looked at by a Chartered Accountant/Chartered Tax Advisor, with a written plan you can act on and a fixed quote before any work starts.
Book a scoping call →A short call · fixed quote before any work · no obligation